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March/April 2013 | Vol. 24 No. 2

Carter, Allen and Clark Headline Sports Celebrity Dinner

2 March/April 2013

2013 BOARD OF DIRECTORS

EXECUTIVEPresident

Richard BoltonCentricity 360 Consulting

Past PresidentMelissa Coulson

Melissa L. Coulson Chartered Accountant

Vice PresidentLesley Mansfi eld

Prosperity ONE Credit Union

TreasurerDouglas Francis

Padgett Business Services

DIRECTORS Ryan Carson

Haber & Associates

Teresa FujarczukGranite Ridge Golf Club

Keith HesseAimco Solrec Limited

Walter HeydenDufferin Aggregates

Blake MercerMercer & Mercer Certifi ed General Accountants

Heather RickardRBC Royal Bank

Rob RubinoRBC Dominion Securities

Rick MalboeufTown Council Representative

CHAMBER STAFF Sandy Martin

Executive Director

Krista Lenardon-TrullMarketing & Communications Coordinator

Joanne BarrettAdministrative Coordinator

Andrea BoyleMembership Coordinator

Cheryl CiccarelliCommittee & Program Coordinator

251 Main Street East, Suite 104Milton, Ontario

L9T 1P1

Telephone: 905.878.0581Facsimile: 905.878.4972

info@miltonchamber.cawww.miltonchamber.ca

Business News

Richard BoltonPresident

PRESIDENT’S MESSAGE

A swing and a belt! Left fi eld! Way back! We are already a few months into the year

of our 125th anniversary as an incorporated Chamber and we are off to a terrifi c start. Two of our major events thus far have been sell outs and I would like to thank you to the members for their ongoing support.

Do you remember where you were when Joe Carter hit his infamous homerun in the 1993 World Series? Who can forget those words in the title of my message belted out by the great Tom Cheek? Our 11th Annual Sports Celebrity Dinner and Auction was a huge success with over 285 people in attendance. We had fantastic celebrities, including baseball legend Joe Carter and Toronto Maple Leaf great Wendel Clark to entertain the crowd. Mark Hebscher did an excellent job as our new master of ceremonies and led our star studded event through the always popular and hilarious Hotstove interview.

The Sports Celebrity Dinner and Auction has raised over $195,000 in support of the Chamber Scholarship Fund. Thanks to our sponsors and to all who attended and purchased auction items. But we are not done yet! We have a goal of creating a self-suffi cient fund to ensure enough money will be there to support Milton students for many years to come. I had the pleasure of meeting Joe Carter and getting a baseball autographed that I now display on my desk. Thanks again to those on the committee co-chaired by Heather Rickard and Andrew Jackson.

The Mayor’s Breakfast, sponsored by OLG was held on Valentine’s Day and was another success for the Chamber early in 2013. Mayor Gord Krantz and acting C.A.O. Bill Mann addressed a sold out crowd of Milton Chamber members and guests and spoke about the vision of Milton: Engaging, Balanced, Connected. I sat on the panel at the breakfast, on behalf of the Chamber to answer the question “Has the Town of Milton been true to its vision?” What are your thoughts? In my opinion, it is truly amazing how this community has grown and this well managed

growth can be attributed to the strategy that the Mayor and key people at the Town have put in place. Key projects like the hospital expansion, the Milton Education Village, the Velodrome and Derry Green Corporate Business Park are positioned to have a favourable impact on the businesses of Milton. As Milton grows, I think the business sector has the opportunity to service a self-contained community where our residents can live, work, educate and of course, use the business services of Milton. This is an economic plus for everyone.

Our fi rst Milton Young Professionals’ meeting was held in January and by the time you read this we will already have had our second meeting. Thank you to the committee for all of their hard work in organizing the MYP meetings. The meetings have created a lot of buzz in town and I know that it will continue to grow stronger. The average age in Milton sits around 34-35 years of age so there are a lot of young professionals and entrepreneurs in our community. The Chamber wants to embrace and encourage their continued success.

Our China trip is all set to roll again this year and we are sending 35 people to the Asian business hotbed. You may also have heard that the Chamber is planning a Thailand trip in the fall which we have already started to market. Seeing the trip agenda, it looks to be an amazing fun fi lled trip. Contact the chamber for more details.

I hope to see all of you at our events marking our 125th anniversary. Remember we have a time capsule providing the opportunity for our members to help commemorate this milestone. If you can think of a unique business related item to place in the capsule, please bring it to the next Chamber event.

3.5¢ per litre LESS for Chamber MembersLooking to cut fuel costs?

Contact the Milton Chamber of Commerce at 905-878-0581 or

info@miltonchamber.ca for more informa on

3March/April 2013

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C h a r t e r e d A c c o u n t a n t s

To register for any of the following Chamber events please visit www.miltonchamber.ca or call 905-878-0581

UPCOMING EVENTS

Upcoming EventsMarch Business After Hours Tuesday, March 26, 2013 5:00 PM - 7:00 PM Co-hosted by: Birkdale Place Seniors Community and PROforma U-Want-One 611 Farmstead Drive

Milton Young Professionals Wednesday, March 20, 2013 5:00 PM - 7:00 PM Halton Country Inn & Golf Club 9196 6th Line Nassagaweya Guests Welcome

March Springboard Wednesday, March 27, 2013 8:30 AM - 9:30 AM Chamber Boardroom, 251 Main Street East No charge for members / General public $10

2012 Community Awards Gala Friday, April 12, 2013 Granite Ridge Golf Club Cocktails 6:00 PM / Dinner 7:30 PM Tickets: $85 (HST included) Join us in celebrating Milton’s fi nest.

Milton Young Professionals Wednesday, April 17, 2013 5:00 PM - 7:00 PM Walkers Fish Market 1185 Maple Ave. Guests Welcome

April Business After Hours Tuesday, April 23, 2013 5:00 PM - 7:00 PM Co-hosted by: CWB Group and Halton Learning Foundation 8260 Parkhill Drive

Chamber Farmers’ Market Opens Saturday, May 18, 2013 7:00 AM – 12:00 Noon On Main Street between Martin Street and James Street Come experience the Farm Fresh Fun!

24th Annual Chamber Golf Tournament Tuesday, June 11, 2013 Granite Ridge Golf Club Join us for a day of fun, sun and networking! See page 6 for more details and look for the registration form in this newsletter.

APRIL

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4 March/April 2013

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Sandy MartinExecutive Director

Important Chamber IssuesThe following is a letter sent to Halton

Regional Chair Gary Carr, from the Burlington, Halton Hills, Milton and Oakville Chambers of Commerce, regarding, the recent name change of the Toronto Board of Trade to the Toronto Region Board of Trade (TRBofT). We as one of the 23 Chambers in the GTHA want to be clear that the Toronto Region Board of Trade does not speak on your behalf and that only the local chambers advocate on issues affecting you on a local and regional scope. When we want to speak with a collective voice we do so through the Ontario Chamber of Commerce. A meeting is being arranged with the TRBofT and OCC representatives to discuss their reasoning behind the decision and to share our displeasure with the name change.

February 13, 2013Dear Gary Carr:

The Toronto Board of Trade recently introduced a new brand name – the Toronto Region Board of Trade. This was done without consulting the 23 other Boards of Trade and Chambers of Commerce in the Greater Toronto and Hamilton Area. As you might imagine, the response from Boards, Chambers and some political leaders has been immediate and negative. (Please see comments from Mayor Hazel McCallion in the January 30, 2013 edition of the Toronto Star.) Our concern is that the name change may imply that the Toronto Board of Trade is speaking and acting on behalf of businesses in the “region” (i.e. the GTA).

As you know our four Chambers enjoy a positive and effective working relationship with each other and the Halton Region. You may not be aware that our four Chambers all actively participate in the GTHA cau-cus of Chambers and Boards of Trade. We collectively work on regional issues such as transportation. We bring this to your atten-tion as a number of our colleagues across the GTA have raised their concerns related to the name change with their elected offi cials.

It is quite possible that you may be contacted by the Toronto Board of Trade or other elected offi cials from the GTHA and we wanted you to know that our common goal is to focus attention on the fact that while the GTHA is one economic region, our business communities and our economic priorities

are in no way represented by one Board of Trade.

Chambers and Boards of Trade in On-tario’s distinct and unique communities such as Oakville, Burlington, Milton, Halton Hills, Mississauga, Markham, and Ajax-Pickering (in fact all GTA and Hamilton Chambers) have an important role to play in advocating locally, regionally, provincially and federally for the distinct needs of the business commu-nities that we represent.

We believe that the strength of the Cham-ber network is in its ability to speak for the GTHA business community on region-wide issues such as transportation. Our collab-orative efforts in this area have yielded posi-tive results that benefi t all communities.

We hope we can count on your support to raise a collective voice against this ill-ad-vised move by the Toronto Board of Trade.

Signed by Halton Chambers of Com-merce Executive Directors/CAO’s

POTENTIAL IMPACT OF CANADIAN ANTI-SPAM LEGISLATION

The Canadian Chamber is very concerned about new “anti-spam” rules the federal government announced mid-January. There is information on the adjacent page regarding how this legislation will affect all of us who use email/social media to connect with cus-tomers, clients or potential ones in an effort to market our products/services.

Canadian anti-spam legislation and the related policies have taken a “ban-all” posi-tion to controlling commercial electronic messages (CEMs). The Canadian Chamber has urged all of its members to contact their local MP to make them aware that we are not supportive of the heavy handed approach taken in the “anti-spam legislation”.

I have spoken to MP Lisa Raitt’s staff about this issue and our very real concern over the impact this will have on business. I have been told that there has been some modifi cation to the legislation however we haven’t seen it yet. We will continue to follow this with our MP.

EXECUTIVE DIRECTOR’S REPORT

5March/April 2013

melissa@melissacoulson.ca

Melissa L. CoulsonChartered Accountant

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Potential Impact Of Canadian Anti-Spam Legislation (CASL) And Suggested ActionsBACKGROUND

The Canadian Chamber is very concerned about new “anti-spam” rules the federal government announced two weeks ago.

Canadian anti-spam legislation and the corresponding regulations have taken a “ban-all” approach to regulating commercial electronic messages (CEMs).

All emails, SMS texts, social media sent in a commercial context are captured. The legislation will obligate the sender to obtain consent from the receiver prior to sending a CEM. That consent may not be obtained by sending a CEM. The defi nitions for consent are quite specifi c and are more demanding than existing privacy legislation.

The legislation also requires an opt-out mechanism in all CEMs which must be backstopped with a database with the details of all business/personal relationships and removals of consent.

The administrative penalties for non-compliance are excessive. The rules would also provide powers for private parties to sue under the legislation.

WHERE IS THIS NOW?After passing legislation, the government

drafts regulations to enforce it. The law usually doesn’t come into effect until the regulations are approved by Cabinet. Before that happens, regulations are published in the Canada Gazette and interested parties can comment on them. That’s where these rules are now. They were published in the Canada Gazette on January 5 for a 30-day comment period. The law could come into effect sometime toward the end of 2013.

WHAT THIS MEANS FOR CANADIAN BUSINESS?

The broad scope of CASL means that it will impact every single business, association, club, charitable organization and foundation that conducts activities in Canada. Without signifi cant modifi cations and exceptions, this legislation will impede commercial speech, an essential ingredient of market competitiveness and lead to reduced competition and higher prices.

This legislation will also impose massive compliance costs on businesses that may be ill-equipped to undertake them and will

result in economic hardship for both business and not-for-profi t organizations. The result will be a corresponding negative impact on local economies.

In its current form, these regulations will impede innovation and competitiveness by needlessly channelling resources away from new ventures and opportunities and by slowing the regular updating of computer software and systems. Ultimately, this legislation and the regulations in their current form will not solve the problem of nuisance/fraudulent messages or of nuisance/malicious software, which are generally initiated outside the jurisdictional reach of the CRTC, the agency tasked with enforcement of the CASL.

WHAT YOU CAN DO?1) Get informed about the impact of the

legislation and regulations. Information about anti-spam can be found on the industry Canada Website here: Fightspam.gc.ca/eic/site/030.nsf/eng/h_00211.html

2) Express your concern about how this legislation will impact your organization and make suggestions about improvements to the regulations that will lessen the impact on your organization. Additional details regarding the impact of this legislation, including recommended changes, will be posted on the Canadian Chamber of Commerce website (please check here: Chamber.ca/index.php/en/from-the-top/C163/policy-alert-anti-spam-legislation). Comments to Industry Canada on the proposed regulations can be submitted electronically to Industry Canada: bruce.wallace@ic.gc.ca.

3) Send a letter to your local MP, expressing your concerns and the impact this will have on your organization. To fi nd contact information for your local MP, please visit the Parliamentary website here: Parl.gc.ca/SenatorsMembers.aspx?Language=E

4) Distribute this alert to those in your network and encourage them to take this same course of action.

5) Keep the Canadian Chamber informed about your actions by advising our Policy Director for this issue, Scott Smith at ssmith@chamber.ca. The more we know about what steps our members take, the stronger our own lobby will be.

6 March/April 2013

Follow the Milton

Chamber of Commerce

CHAMBER GOLF TOURNAMENT

Think Warm, Think GolfSunshine, warm breezes, a little

exercise…sharing a few laughs with friends and business associates…great food, prizes, FUN! What are you waiting for? If you haven’t ever joined us for the annual Chamber of Commerce Golf Tournament—this is our 24th—then you are missing out on a great day and a great opportunity!

Let’s face it--the Chamber Golf Tournament is a genuine excuse to get out of the offi ce to share quality networking time with business associates, clients, fellow workers and friends. If you are a really good golfer, you can go for the trophy. If you are just an occasional Sunday golfer, you can vie for the Duffers’ Trophy. There’s a place—and a prize—for everyone!

Mark your calendars—Tuesday, June 11th, 2013 at Granite Ridge Golf Course—and then send in your entry form (available at www.miltonchamber.ca and in this newsletter). If you are a single golfer, we’ll fi t you into a foursome. We are anticipating a great turnout this year, so don’t wait too long!

SPONSORSHIP OPPORTUNITIESWe are seeking corporate sponsors

who recognize the value of reaching out to 288 golfers who are Milton’s leaders in business and government and who want to support the work of the Milton Chamber of Commerce. We have developed a roster of sponsorship options and benefi ts—from $2,500 for the Dinner Sponsor ranging to

$1000 for a Cart Sponsor. A number of last year’s sponsors have indicated they are returning, so opportunities are limited. Please contact Golf Tournament Chair Carol McDonald (905-875-1795) for more details.

We also offer hole sponsorships at $100 which include signage and recognition on the score sheet and in the golf program. Or if you have a product or service you would like to donate, we might be able to fi t you in as Specialty Hole Sponsor or Auction donor.

In short, even if you can’t join us for golf, there is an opportunity to get some excellent visibility for you and your company at the Chamber Golf Tournament.

We hope to see you there!

A Clean ImageAim Lock & Safe Ltd.Allison’s at the BestAllison’s Gourmet Catering & Event PlanningAndrews’ Scenic Acres / Scotch Block Winery *Apex Pest Control Inc.Astrid Lakats Chartered AccountantAusten & Noble Insurance Brokers Ltd.Bahr Saddlery Ltd.

Bailey Heating & Cooling Ltd.Balla Investments Ltd.Bergsma’s Paint & DecorBig Brothers Big Sisters of HaltonBlue Springs Scout Reserve *Bramdon Renovations Ltd.Brookville Veterinary ClinicC.M. Morris Design LimitedCanadian Champion, The

Children’s Aid Foundation of HaltonChudleigh’s Apple Farm Ltd. *Cogeco Cable Canada LPCommunity Living North HaltonCrawford’s Country Gardens *Creative Memorials Ltd.Crosswinds Golf & Country Club *CulliganD & S Signs

A Special Thank You...TO THE FOLLOWING BUSINESSES FOR THEIR CONTINUED SUPPORT * Escarpment Country™ Partner

MEMBER RENEWALS

7March/April 2013

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At work or at home?Access online library resources there, too!

Main Library: 1010 Main St. E.Beaty Branch: 945 Fourth Line

www.mpl.on.ca 905 875 2665

A Special Thank You...TO THE FOLLOWING BUSINESSES FOR THEIR CONTINUED SUPPORT * Escarpment Country™ Partner

Dance Shoppe, TheDental Hygiene on Holly & Mobile LifestylesDone-Right Roofi ng & Sheet Metal LtdDSDDufferin AggregatesECC Cosmetic & Laser Centre Inc.Elayne Tanner & Associates Inc.Express Employment ProfessionalsGallinger Ford LincolnGlobalaire Mechanical Systems Ltd.Halton MachiningHalton Region – Employment, Housing & Social ServicesHalton Region - Small Business CentreHJM Insurance and Financial Services Ltd.Holden & QuirtHoliday Inn Express & Suites *Hutchinson Thompson Henderson & MottJ. Hardiman Roofi ng Co. Ltd.J. Scott Early Funeral HomeJackson EventsJohn’s Truck & Car Service (Milton) Inc.Joyce Scott Real Estate Inc.Koski GlassLaurier Dental - Dr. Larry Tenaschuk and AssociatesLaw Offi ce of Fay Hassaan, TheLedgers (Milton)M.D.M. Sales Ltd.Marbro Group Inc.Mattamy Homes Ltd.McKersie-Kocher Funeral HomeMcMarketing Inc.Mervyn A. Fonseca Professional CorporationMilton Denture ClinicMilton Diagnostic ImagingMilton Hydro Distribution Inc.Milton Mall *Milton Public Library - Beaty BranchMilton Public Library - Main BranchMilton Springers Gymnastics ClubMilton Tutoring CentreMiltown Computer Services Ltd.Miltowne Insurance Services Inc.Minuteman Press MiltonMoulding & MillworkMS Society of Canada - Halton Chapter

Mullin Micules Szagala LLP Chartered AccountantsMutt LifePadgett Business ServicesParallax Paralegal ServicesPeggy’s of Milton Ltd.Phoenix Manufacturing Ltd.PLS Insoles Inc.Presse LawPro Con BuildingPROforma U-Want-OneProsperity ONE Credit Union - Head Offi ceProsperity ONE Credit Union - Holly AveProsperity ONE Credit Union - Main St. E.Re/Max Real Estate Centre - Bill CurrieRe/Max Real Estate Centre - The Prior TeamRejuvenating Spring/Swiss PackRobert W. Lawrence Investments Ltd.Rogers Communications Inc.Roxul Inc.Royal LePage Real Estate Services Ltd. Brokerage - Mary T. CardamoneSargent Farms Ltd.Scannell Moving & Storage Inc.Service Ontario - Main St. E.Simpson Telecom GroupState Farm Insurance Agency Ltd.Structural Inspections LimitedStutzman Properties Inc.Taylor Nursery *TD Business BankingTed Chudleigh, MPPTeine FinancialThe Heron Group The Oakville Milton & District Real Estate Board The Stonehouse of Campbellville *Torbram Electric SupplyTownsend Smith FoundationTrafalgar Golf & Country ClubUnion Gas Limited - UGLUnivet Pharmaceuticals LimitedWalker’s Living LightingWallace Chevrolet Buick Cadillac Ltd.We Print InkWillow Foundation, TheYork Trafalgar Corporation

MEMBER RENEWALS

8 March/April 2013

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NEW MEMBERS

Welcome New MembersWelcome to the following new Chamber Members. We invite you to participate in Chamber events and encourage you to take part in one or more of the Chamber committees.

22GLOBAL INC.Milton, OnContact: Darren deLean, Director and PresidentTel: 416-619-4811Fax: 905-864-8339www.22global.tvInternational media buying agency and media rep fi rm, specializing in long format paid television programs. Primary markets are Canada, U.S., Australia, New Zealand, Hong Kong and China.

BUZZCO INTERNATIONAL INC.Milton, ONContact: Anthony Wagler, OwnerTel: 416-570-4950Silent and live auction professionals conducting fundraising auctions across the province for charitable organizations. Will supply silent auction items.

EVERYDAY NUTRITION238 Main St. E., Unit BMilton, ON L9T 1P1Contact: Amanjit Takk, Independent DistributorTel: 905-299-0830We are a part of the number one company in wellness and nutrition providing customers with the best products available. Founded in USA in 1980, they are currently in 88 countries. We specialize in weight

management, energy and fi tness, digestive health, and skin care. All products are herbal based and natural.

FAY’S ELECTRIC INC.342 Bronte St. S., Unit 4Milton ON L9T 5B7Contact: Margie Edwards-Steele, BookkeeperTel: 905-878-2048Fax: 905-878-8440Electrical contracting – industrial, commercial and residential. Pole line construction and aerial fl oodlighting. Service and panel upgrades.

GEORGE MINAKAKIS, MANAGEMENT CONSULTANTSCampbellville, ONContact: George Minakakis, CEOTel: 416-460-4333www.georgeminakakis.comThe organization functions as management consulting group to retail, restaurant and healthcare. Our business interests also involve private equity investments in growth and small cap businesses. Primary focuses are Consumer and Health Care.

HALTON MULTICULTURAL COUNCIL (HMC) 310 Main St. E. Ste. 107Milton, ON L9T 1P4Contact: Kim Jenkinson, Executive DirectorTel: 905-842-2486Milton Tel: 905-864-6565Milton Fax: 905-864-4748www.haltonmc.org

HIGH PERFORMANCE CYCLING INC.1171 Vanier Dr.Mississauga, ON L5H 3W9Contact: Michael Merrall, PresidentTel: 416-206-0041www.hpmarketing.caHigh Performance Cycling Inc. is part of the High Performance Marketing Group of companies, one of the leading sports marketing and management companies in Canada. High Performance is the organizer of PwC Epic Tour Halton.

NEWCON ELECTRIC52 Steeles Ave. E. Unit 7Milton, ON L9T4X1Contact: Kyle Newmarch, OwnerTel: 647-388-3141www.newconelectric.com

9March/April 2013

2300 Steeles Ave West, 4th Floor, Vaughan, ON L4K 5X6

Phone (905) 761-7500 • Fax (905) 761-7505

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AggregatesDufferinA division of Holcim (Canada) Inc.

NEW MEMBERS

OPERATIONS IMPROVEMENT INC.Acton, ONContact: Derrick Somers, OwnerTel: 416-418-6097A management consulting fi rm providing industrial engineering, project management and product innovation services to small and medium size business.

RBC DOMINION SECURITIES - WILFRED (BUDDY) EDGE65 Ontario St. S.Milton ON L9T 2M3Contact: Wilfred (Buddy) Edge, Investment AdvisorTel: 905-875-0946Fax: 905-875-4035www.rbcds.com/wilfred.edgeGuiding investors to achieving fi nancial independence through sound fi nancial and investing advice.

SHARP MY KNIFEMilton, ONContact: Andrew Hutchinson, PresidentTel: 905-699-3693www.sharpmyknife.comMobile sharpening service specializing in culinary knives but also offering sharpening for scissors, garden tools, mowers, paper cutters and most blades

TOP RAIL STABLES INC.16406 5TH Side RoadNorval, On L0P 1K0Contact: Jeremy, PresidentTel: 905-877-8007www.toprailstables.caContact Top Rail Stables Inc specializes in quality riding lessons and training for equine enthusiast. We train and campaign high end hunters and jumpers within Canada and the US, and purchase from all over the world.

WELKE CUSTOMS BROKERS & GLOBAL LOGISTICS LTD.Contact: Mohamad Azimi, Bus. Dev. MgrT 416-674-0592 ext.224F 416-674-1635www.welke.comWelke is a Canadian and U.S. Customs Broker & International Freight Forwarder; a family owned and operated company with over 25 years’ experience in business. Clearing customs for business importers & exporters, One of the most trusted names in the industry today, Welke’s dedicated staff is there to assist you in the clearing process.

WHITEWOOD MICROCOMPUTER CONSULTINGMilton, ON Contact: Jamie Whitewood, OwnerTel: 905-878-4005Providing affordable computer programming services to small and medium sized businesses.

Be A Mentor. Share Your Story.HIEC’S WOMEN AND MEN AS CAREER COACHES EVENTS

Would you have benefi ted from a mentor when you were in high school? If so, the Halton Industry Education Council (HIEC) invites you to take part in an opportunity to be a mentor and share your story at this year’s Women as Career Coaches (WACC) and Men as Career Coaches (MACC) intergenerational mentorship events.

These events foster new levels of

mentorship, as adult role models engage with youth to help them become informed about opportunities available in the world of work. At the event, students are introduced to a variety of dynamic speakers that further emphasize the theme of fi nding your career passion.

To make sure these great opportunities continue to be available to Halton’s youth, HIEC is putting the call out to participate

in our $30,000 Community Challenge. For more information, please contact Michelle Marino, HIEC Events Lead, at (905) 634-2575 ext. 30.

• WACC - Wednesday, March 27, 2013• MACC - Thursday, April 18, 2013

To learn more and register visit www.hiec.on.ca.

CHAMBER MEMBER NEWS

10 March/April 2013

Golf Tournament PRESENTING SPONSOR Cogeco Cable Canada Inc. HOLE-IN-ONE SPONSOR Wallace Chevrolet Buick Cadillac Ltd. PUTTING GREEN SPONSOR Youngs Insurance Brokers - Rob Clarkson & Caledonian Carpentry GOLF BALL SPONSOR Rogers Cable Inc. SPECIALTY BALL SPONSOR Roxul Inc. CART SPONSOR Heathwood Homes CART SPONSOR Mortgage Architects REFRESHMENT SPONSOR Milton Toyota SCORECARD SPONSOR Miltowne Insurance Services Inc.

Community Awards Gala PLATINUM SPONSOR MinMaxx Realty Inc. PLATINUM MEDIA SPONSOR The Canadian Champion GOLD SPONSORS Bell Canada Cogeco Cable Dufferin Aggregates GavCom Media Productions Inc. Roxul Inc. SILVER SPONSORS Kwik Kopy Design & Print Centre Prosperity ONE Credit Union BRONZE SPONSORS Albatross Restaurant at Granite Ridge Golf Club - Jimmy D. Halton Region – Small Business Development Diego and Carlanna Sdao & Family - Tim Hortons on Derry FRIEND SPONSORS DundeeWealth Granite Ridge Golf Club Karen’s Flower Shop Les Fleurs Kathleen McCuaig Insurance Limited Milton Greenhouses Flower & Gift Shop Miltowne Insurance Services Inc. Oceana Whispers Floral Boutique Raymond James Ltd. - Tim Niblett Robert (Pie) Lee Insurance Agency The Flower Mill

Sports Celebrity Dinner & Auction PLATINUM AUTOGRAPH SPONSOR Gorman Auto Group of Companies PLATINUM VIP RECEPTION SPONSOR Arthur Electric Inc. PLATINUM AUTOGRAPH SPONSOR RBC Royal Bank PLATINUM MEDIA SPONSOR The Canadian Champion PLATINUM CELEBRITY SPONSOR Jackson Events Inc. GOLD SPONSORS ClubLink Corporation Roxul Inc. TD Canada Trust U-Need Storage SILVER SPONSORS Crush Strategy Inc. Impact Logistics Manulife Investments Modern Crane Newco Industrial Ltd. PRINT SPONSOR Empress Communications A.V. PARTNER GavCom Media Productions FRIEND SPONSORS Robert (Pie) Lee Insurance Agency HOTEL SPONSOR Best Western Plus Milton Inn

Biz-2-Biz Trade Show PLATINUM SPONSORS Boston Pizza Milton GOLD SPONSORS Andrews’ Scenic Acres / Scotch Block Winery Bell World - WPCI SILVER SPONSORS Mohawk Racetrack Ontario Electronic Stewardship Woodbine

Small Business Week Business Development Bank of Canada Dell Halton Region RBC Royal Bank Sanctuary Studios Inc. Communication Zone Inc. - TELUS Mobility TD Canada Trust The Canadian Champion Town of Milton - Economic Development

Mayor’s Breakfast PRESENTING SPONSOR OLG

The following companies have generously supported the events of the Milton Chamber of Commerce.

SPONSORSHIP CORNER

11March/April 2013

IInterior Design & Space Planning:

Space Requirement Studies

Concept and Planning Drawings

Design and Construction Drawings

Outdated?

Just Starting?

Expanding?

Moving?

...smart design is smart business

MAKE THE MOST OUT OF EVERY SQUARE FOOT p: 905-878-0668 e:brenna@dezign1.ca

DEZIGN 1

Your Library: Great Value for the Business Community8 WAYS TO GET THE MOST FROM MILTON PUBLIC LIBRARY

It is a source of pride to know that every day hundreds of Miltonians, across all ages and from all walks of life, directly benefit from the resources, programs, and services available from the Milton Public Library (MPL).

Libraries are cornerstones in our communities, and are in demand now more than ever. Last year, MPL saw increases in most key areas, including: on-line visits, programming, and items borrowed. Presently, 57% of the Milton community are registered library users, and over 32,000 new cards have been signed up over the last six years.

MPL is committed to engaging and inspiring the Milton community, including the business community. Be sure to get the most from Your Library:

Technology – get personalized help with your technology questions (30 minute sessions, all skill levels) i.e. eBooks/eAudiobooks, social media, popular apps, online magazines; join us for a hands-on demonstration of a technology application (Thursdays); free wireless access, or get help in choosing an eReading device.

Join us for an Author Visit – Canadian author, Keith G. Richards, will present his latest book, Sideways. Technical analyst, portfolio manager, author, columnist, BNN contributor, and a 23-year veteran of stock market madness, Keith uses straight talk and everyday language to describe his 2013 market anticipations. April 24 from 7-8:30 p.m. (Main Library). Call 905-875-2665 x6263. Please register early as seating is limited.

Social Media for Business – learn quick and easy tips to build your business using Facebook, Twitter,

LinkedIn, and Pinterest (April 3 and 10 from 7-8:30 p.m. Main Library, cost $5, please register).

Financial Planning WorkshopsOnline Resources: Business

Databases – search for articles from journals, newspapers, magazines,

encyclopedias and directories (access from home, work or library).

Business Books – wide variety of business books including business “best sellers”.

Access eMusic: your way – your library card now gives you access to downloadable and streaming music

from thousands of artists, tens of thousands of albums, and millions of songs.

Business Consultations – gain access to knowledgeable business consultants to start or enhance your business (partnership with Halton Region).

Research Mondays – use the library to create or grow your business by investigating trends, researching target groups, and finding motivational resources to plan your success. Our friendly, expert staff can assist you.

Join consultants from Investors Group Financial Services Inc.

Connect with MPL on Twitter, Facebook, Flickr, www.mpl.on.ca and Be Inspired!

MILTON PUBLIC LIBRARY

Deputy Chief Librarian Susan Mickalow (left) and Circulation Staff member Alison Bell present a gift to Jason Van-derholt for checking out the one-millionth library item in 2012.

Library Usage is Up IN 2012, THE MILTON COMMUNITY BORROWED MORE THAN 1 MILLION ITEMS TO READ, WATCH, LISTEN TO AND MOST IMPORTANTLY, ENJOY: A FIRST IN MPL’S 157 YEAR HISTORY!

12 March/April 2013

The Next Bubble? Desmond Jordan, Financial Literacy Learning Centre Inc. (www.fl lc.ca)

Investors historically seem to go from investment bubble to bubble. Remember the real estate bubble that ended in 1989? Bramalea Ltd, one of the biggest Canadian corporations in 1989 went under by 1991, taking the largest insurance company, Confederation Life, down with it. The late 1990’s gave us the technology bubble which burst in the year 2000. The stock market itself also peaked in 2000. In 2008 the U.S. real estate and mortgage market burst the fi nancial system. So, today, where is the bubble? What has gone to historic extremes? A good place to fi nd the answer is the mutual fund market. There is

nothing wrong with mutual funds, but they cover many areas of investment (real estate, bonds, precious metals, etc). Most investors will crowd together in the same asset class in a Bubble. Remember how hot Technology funds were in 1999 and 2000? You never got your money back after that. Looking at fund purchases today, the bubble has revealed itself and it may get bigger. We have an Interest Sensitive or Debt Bubble!

Over 80% of mutual fund investment dollars are going into the following 4 fund categories:

• Monthly Income Funds

• Dividend Funds• Income and Growth Funds, or Growth

and Income Funds• Balanced Funds

The biggest driver of these four funds is falling interest rates. Both short and long term interest rates were crushed following the fi nancial crisis in 2008. These are immediate benefi ciaries of falling rates. It is mostly FALLING INTEREST RATES, not low interest rates, that has allowed these investment categories to achieve this signifi cant growth.

Chart A compares a typical Bond Fund to 10 year Canada bond yields. These funds are very straight forward; interest rates fall and Bond Fund prices rise and visa versa. The average current yield of 2% across longer term bonds is now refl ected in these funds. Fund managers mandate is NOT to get out of these investments and into cash. They maintain, at most, about 5% cash in the fund and the rest fully invested. When interest rates go back to normal, these Bonds will lose money and maybe for a very long time.

Chart B is a very long term chart of U.S. 10 year bond yields going back to 1905. Canadian and U.S. bond yields move together historically, and are close in yields.

Note the huge spike in rates in 1981. The rate got to 15.84%. Imagine being able to buy a government guaranteed 10, 20 or 30 year bond in 1981 for 15% return, every year! If you bought a bond fund 10 years earlier, you may possibly have lost half of your investment. This chart also shows that since 1981-82, the greatest investment return did not come from stocks, real estate or commodities, it was made from long term government bonds. Look at the “circled” area of this chart. This refl ects today’s rates. We now have rates that are below infl ation and, in fact, the lowest on the chart! Rates now are below rates during the defl ationary depression of the 1930s. What is the probability of rates going lower? No one wanted to buy Bonds in the early 1980s, today investors in the U.S. are tripping over each other to buy these investments! Lock-in those low rates before they go up… crazy! A 1% rise in 10 – 20 year bond yields can translate into a 20-25% capital loss in your fund, and fees currently are eating over 50% of the current yields today.

Look at the “circled” area of this chart. This refl ects today’s rates. We now have rates that are

below infl ation and, in fact, the lowest on the chart! Rates now are below rates during the defl ationary depression of the 1930s. What is the probability of rates going lower? No one wanted to buy Bonds in the early 1980s, today investors in the U.S. are tripping over each other to buy these investments! Lock-in those low rates before they go up… crazy! A 1% rise in 10 – 20 year bond yields can translate into a 20-25% capital loss in your fund, and fees currently are eating over 50% of the current yields today.

CHART B

CHART A

13March/April 2013

CHART C

This brings us to Chart C, the favourite of investment funds for Canadians; the Balanced Fund. Look at the relationship between bond yields and the typical Balanced Funds… very close. These funds have a very large Bond component. Typically, balanced funds over a 5 to 10 year period are 60% stocks and 40% bonds (fixed income). What can we expect going forward? These funds are most popular because investors are seduced by the idea that they can somehow get the best of both worlds with a combination of stocks and bonds. Mutual fund companies often offer Balanced Funds, Balanced Income Funds, Growth and Income Funds, AND Income and Growth Funds, where all four can be

very similar, and place an emphasis or dividend paying stocks alongside bonds. The balanced concept implies that you have reduced risk by splitting your eggs into two different baskets – stocks and bonds. In theory this is correct, but the problem arises when you realize that rather than diversifying you have combined the two halves of the interest sensitive universe! That is fine until falling interest rates come to an end. The Balanced Funds present another problem going forward.

Look to the next example. Let’s assume a 60% stock and 40% bond content within a mutual fund. Assume the stock portion of the fund returns 7% per year (very generous) and the bond portion reflects today’s 2% return which is what the fund manager is stuck with.

POTENTIAL RETURN OF THE NEXT 10 YEARS60% stocks at 7% per year = 0.6 x 7% = 4.2%40% bonds at 2% per year = 0.4 x 2% = 0.8%Total Return per year = 5%As you can see the stock portion will return 4.2% per year and the bond

portion will give us 0.8% per year for a potential of 5% per year and that’s with a very generous stock return assumption of 7% per year! Is 5% a good return?

Not with these funds because the biggest problem going forward are Management Expense Ratios (MERs) or fees.

A typical Balanced Fund MER can be 2.25% per year. After deducting MER, the net return would be 2.75%, and that’s with RISK! In this example, fees reduced the potential return by about 40%. What if the stock market went up only 5% per year?

Chart D is a typical Monthly Income Fund. This is one of the most popular types of funds being purchased in Canada today, especially with elderly Canadians. These funds are 60% bonds and 40% stocks and may present a major problem when interest rates go up. You see from the chart what drives these funds. Fees (MERs) may rob 60% of future returns.

Dividend funds have really benefited from falling bond yields (Chart E). These funds are heavily populated with Bank stocks and Utility stocks. We are lucky Canadian bank stocks did not copy what happened to U.S. banks in 2009 when the Real Estate market in the U.S. collapsed. Today large U.S. and most European banks are selling at 30%-70% below 2008 stock prices. It’s a good thing that Canadians are NOT laden with big mortgages and that we don’t have a Real Estate Bubble like they did?

Why are investors “pilling” into these funds? Buying funds in a bubble always seems logical. People are not fools, but they can get confused. Prudently, they look for evidence of past performance suc-cess. They go to mutual fund resource sites on the internet and look at history. They identify what investments appear to have the best track record and use this to guide their selection of the funds they buy. Financial planners sell funds the same way, in general. Sellers tend not to recommend funds that lost money over the last 2 to 3 years. Unfortunately these are the funds that may do well in the future. Terms like, “conservative” and “long term” are used. Most investors buy high and they tend to make overly optimistic assumptions for the future.

Imagine, that by owning these funds we are assuming interest rates will go into negative territory to be able to match the drop in rates over the last 3 years. Lack of knowledge and greed drive invest-ment decisions in a bubble environment. So… where’s the bubble?

CHART D

CHART E

14 March/April 2013

Visit www.clublink.ca for more information and a complete list of venues.Birthdays • Graduations • Anniversaries • Retirement Parties • Family Reunions • And more !

Contact us today to get the most out of your next happy occasion!

What’s not to celebrate?Whether it’s a milestone birthday, retirement party or family reunion, we’ll work with you to create the perfect party and fond memories that will last a lifetime.At all of our Clubs, we off er a beautiful space, mouth-watering food, spectacular staff and competitive pricing.

Greystone Golf Club9689 Dublin Line, Milton

905-875-3808Groups up to 120

Blue Springs Golf Club13448 Dublin Line, Acton

519-853-0904Groups up to 200

BUSINESS AFTER HOURS

Springridge Farm Recognized with National Retail AwardSpringridge Farm, Milton’s one-stop

destination for family fun, good food and fantastic shopping, is proud to announce they are the recipient of the 2012 Retailer of Distinction Award. Every year the Canadian Gift and Tableware Association recognizes leading retailers in the Canadian giftware industry. On Sunday, January 27, Springridge Farm accepted the award in recognition of their outstanding achievements including excellent merchandising, innovative marketing campaigns and top customer service.

With each season Springridge Farm attracts locals, Southern Ontarians and tourists alike. “We love to see visitors of all ages enjoying a day in the country,” explains co-owner Laura Hughes. “Springridge is a wonderful place to explore.” Springridge

Farm’s restored 19th century bank barn is home to endless treasures. Their retail store includes homemade jams, gourmet items and preserves, a mouth-watering scratch bakery and a tasteful selection of seasonal décor, art, giftware and jewellery.

Springridge Farm invites you to explore their award-winning farm shoppe this season. The Hughes family agrees that “Because of the retail side of our business, Springridge has grown into something much bigger than we ever dreamed of. It’s exciting. It’s challenging. And we love it.”

This nation-wide award is assessed by a panel of expert judges whose criteria are vital to success in the retail industry: visual merchandising and store design, business achievements, advertising and public relations, community involvement,

innovation and originality followed by a visit from a secret shopper.

Springridge Farm opens for the season on March, 28, 2013.

January Business After HoursHOSTED BY TEATRO EVENT & CONFERENCE CENTRE

A delightful evening was had by over 90 Chamber members and guests at the January Business After Hours hosted by Teatro Event & Conference Centre. Guests enjoyed delicious food, provided by the conference centre, while they networked.

A special addition to this Business After Hours was a mini trade show featuring Chamber businesses. Guests

were also encouraged to fill out a Business After Hours passport to win 2 complimentary ticket to the Mayor’s Breakfast, congratulations to Sam Kassam Macfie of Momstown Milton who was the recipient of the tickets.

Tiffany Budler and Horst Summer from Teatro Event and Conference Centre.

CHAMBER MEMBER NEWS

15March/April 2013

K A R L M C I N T Y R EManaging Partner | Broker of Record

T 905-491-6967 F 905-491-6801 C 905-699-6920E kmcintyre@brontecommercial.com

W brontecommercial.comBRONTE COMMERCIAL REALTY INC., BROKERAGE

Gordon M McTavish & Associates Inc

Human Resource Consulting and Executive Search

Gordon M McTavish & Associates Inc is a full service Human Resource Consulting Company providing

human resource solutions for our clients.

615 Sunnyvale Cres, Milton L9T 4K9905-873-5772 • g_mctavish@sympatico.ca

www.gmmctavishassinc.synthasite.com

Phone: (905) 693-1207 Email: info@stanmar.netwww.stanmar.net

Your Technology Partner

Solutions since 1998

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at 905-336-6112

or derek.jones@td.com

Commercial Banking

810 Main StreetMilton, OntarioL9T 0J4

Join the Milton Chamber on an adventure to...

USD, Taxes included

visit www.miltonchamber.ca for more details

Handymen Enterprises ENJOY A CHANGE,

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• Bathrooms• Basements• Kitchens

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2012 COMMUNITY AWARDS GALA

Help Celebrate Milton’s Finest Help recognize the outstanding citizens and business people who make an outstanding impact in our community by attending the Milton Chamber of Commerce 2012 Community Awards Gala.

2012 COMMUNITY AWARDS CATEGORIES: • Citizen of the Year • Business Person of the Year • Business of the Year (99 employees or less) • Business of the Year (100 employees or more) • Entrepreneur of the Year • Lifetime Achievement • Civic Improvement • Joyce Hagevik Volunteer of the Year

The Annual Community Awards Gala is the Chamber’s most prestigious and elegant affair. The Gala celebrates the special citizens of the Milton community by honouring them at a “Black Tie” dinner and an Offi cial Awards Ceremony. With support from local businesses, the Chamber has acknowledged Milton’s fi nest since 1973 with this festive evening of celebration and recognition. The 2012 Community Awards Gala, “A Night of Honour and Celebration” will take place on Friday, April 12, 2013 at Granite Ridge Golf Club. A seafood appetizer bar and cocktails begin at 6:00 p.m. then a gourmet dinner is served at 7:30 p.m. Join us in celebrating Milton’s best at the Community Awards Gala – the “must attend” event in April! Buy a ticket or book a table and bring your colleagues, friends or

family for an evening of fun. Tickets are $85 (including HST), call the Milton Chamber of Commerce at 905-878-0581 to purchase your tickets or for more information about the event. Sponsorships are still available, please contact the Milton Chamber at for more information at 905-878-0581.

COMMUNITY AWARDS GALA SPONSORSPLATINUM SPONSORS The Canadian Champion Cogeco Cable

GOLD SPONSORS Dufferin Aggregates GavCom Media Productions Roxul Inc.

SILVER SPONSORS Bell Canada Prosperity ONE Credit Union

BRONZE SPONSORS Albatross Restaurant at Granite Ridge Golf Club - Jimmy D. DundeeWealth Halton Region – Business Development Centre

FRIEND SPONSORS Granite Ridge Golf Club Miltowne Insurance Services Inc. McCuaig Insurance Limited Raymond James Ltd. – Tim Niblett Robert (Pie) Lee Insurance Agency

16 March/April 2013

INTRODUCING THE ALL NEW 2013 DODGE DART

INTRODUCING THE ALL NEW 2013 KIA OPTIMA HYBRID

905-878-8877 81 Ontario St. N., Miltonwww.miltonchrysler.com

905-878-7700 65 Ontario St. N., Miltonwww.miltonkia.net

#1 Chrysler Dealership in Canada for Customer Satisfaction

Town of Milton Economic Development905.878.7252 Ext. 2107

economicdevelopment@milton.ca

Milton Makes It Happen

When it comes to opportunities for businesses tobuild a solid base, Milton speaks for itself. As one of Canada’s fastest growing urban centres, it’s easyto see how business continues to succeed. To learnmore about the opportunities in town and how Milton delivers, visit www.miltonthiswayup.ca.

Or contact:

Halton’s One-Stop Resource for BusinessWe want your business to succeed. The following programs

and services are available to help your business.

Halton Region Economic Development

Small Business Centre

1151 Bronte Road, Oakville, Ontario L6M 3L1 Dial 311 or 5 5 6 Toll ree 1 66 5 66 TT 5 33 www.halton.ca LP

S-11

113

Young Entrepreneurs Canadian outh Business

oundation C B

Summer Company

Business Plan Competition

uture Entrepreneurs

Exporting/Importing Seminars

Resources

Start-Up/Existing Seminars

Business Consultations

Business Registrations

Resource Library

Public se Computers

Business Retention, Expansion and Site Location

Site Location Assistance

Economic Research

Physician Recruitment

Regional nnovation Networks

www.haltonsmallbusiness.ca

Join our online commumnity:

TOWN OF MILTON

Move More With Your Business!Move More, Milton! is a community-wide

program that encourages Milton residents and employees to be more active, more often and as a result - healthier!

PARTICIPATE IN MOVE MORE, MONTH! Join the active revolution and get involved

in Milton’s third annual Move More, Milton month. Try something new and plan an active event at your business for your staff and/or customers. Help us achieve our goal for all of Milton to reach 85,000 reported minutes of activity during the month of March.

Set a positive example, increase workplace health and gain visibility within the community as a business that moves more by registering your group on our website at www.MoveMoreMilton.ca to report your progress. Participating groups will receive special recognition on our website with:

• Company name, logo and link to website

• Participation commitment details• Tracked progress of accumulated

minutes of activity

PROMOTIONS IN THE WORKPLACEVisit our website to take advantage of articles,

resources and logos that will help you promote your active living initiatives and discover creative ways to be more active, more often. Get involved as a mobilizer (physical activity businesses) or a motivator (all businesses) to encourage those who live and work in Milton to move more.

SIMPLE WAYS TO MOVE MORE AT WORK:• Plan lunchtime walking clubs:

Head outside for a daily walk or visit the walking/jogging track at the Milton Sports Centre during inclement weather.

• Attend a free group fi tness class: A variety of free group fi tness/aquafi t classes and cardio/weight room workouts will be offered during the month of March at Town facilities. Visit the Milton Sports Centre on “Work It Wednesdays” and the Milton Leisure Centre on “Free Fitness Fridays.” For class schedules, visit www.MoveMoreMilton.ca.

• Issue a staff challenge: Boost motivation by setting a group goal and working towards achieving it together to develop as a team and increase workplace health.

• Get active before meetings: An active living break before a meeting will increase the energy and alertness of the group, allowing you to be more productive.

• Engage in some friendly competition: Put out an active living challenge to other departments or branches within your organization, or neighbouring businesses to see who can be the most active during the month of March.

For e-newsletter sign-up, promotional materials, templates and more details, visit www.MoveMoreMilton.ca or call 905-878-7252, ext. 2231.

17March/April 2013

245 Commercial St., Milton L9T 2J3Of ce: 905-878-5786 • Fax: 905-878-3692

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Follow us

Is Bigger Better?We often look at business with the view that

bigger is better. In some instances this may be true. However, sometimes having a larger business comes with additional challenges that may or may not be worthwhile, depending on our personal goals and beliefs.

A small business, often called a micro business or SOHO (Small offi ce/home offi ce) can provide the owner with a good livelihood. This model can be fairly simple in concept and the owner can maintain a good living with the understanding of the maximum earning capacity that the venture can provide. This in some cases is why we choose to start a business… to provide individual income or a living wage.

If you are comfortable making a good living with a micro business, then why look to expand? If you increase expenses, including wages, will your revenues also increase? If not, what are you really accomplishing? You have increased liabilities and are now increasingly responsible for others’ wages or livelihoods. You now have to handle or juggle multiple tasks and external issues. If sales revenues do not meet expectations, your stress levels will also surely rise.

An example comes from the retail fl oristry industry. An owner has a successful fl orist shop with a few employees and is making a good living. The owner then considers an opportunity to purchase or start up a second shop in town.. If this owner opens the second location, the expenses will double. Now looking at the revenues…. Will this new

location provide similar revenue to the fi rst shop? If not, then the net profi t of operating two locations decreases. The roles and responsibility for the owner have increased by twofold. We often assume that sales will increase and they often do, however, if they don’t increase enough, then the expansion has not provided a benefi t to the owner.

According to Robert Tomasko, management consultant and author of Bigger Isn’t Always Better: The New Mindset for Real Business Growth, “[a] more useful defi nition of growth is one built around becoming “better,” not bigger. A business grows whenever it moves beyond the self-imposed limits that defi ne and constrain it. Growth is about forward movement. It is not about getting bigger or holding a record of unbroken success. Getting bigger may be a by-product of growth, but it is not its main feature.”

In summary, when considering growth for your business, ask yourself: Does it make sense to expand both fi nancially and personally? Or am I fi ne with earning a good living by providing the best possible product or service I can, each and every day? If you chose the latter, you just might be surprised at the results.

The Halton Region’s Small Business Centre is here to help you work to make plans and take steps towards gaining success in your business. Contact us by dialing 311, 1-866-442-5866, online at www.haltonsmallbusiness.ca, smallbusiness@halton.ca or visit us at 1151 Bronte Road, Oakville.

HALTON REGION SMALL BUSINESS CENTRE

18 March/April 2013

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MARKETING

A 5-Step, No-Nonsense Marketing PlanMARKETING PLAN = CONFIDENCEThe only way to start a business venture with

confi dence is to develop a good marketing plan - one that’s backed up with facts and research. The following points will clearly show you how to attract customers to your product or service and persuade them to buy. The marketing plan also builds confi dence with fi nancial institutions, showing lenders that your business has a good chance of being successful.

There are many different models for market-ing plans. Here are fi ve essential ingredients.

1. DO A SITUATION ANALYSISMany companies start with a SWOT analy-

sis, looking at their fi rm’s strengths, weaknesses, opportunities and threats. This involves identi-fying your competitors, understanding exactly how they operate and becoming familiar with their strengths and weaknesses.

Strengths are any competitive advantage, skill, expertise, profi ciency, talent or other factor that improves your company’s position in the marketplace and can’t be easily copied. Exam-ples are a well-trained sales team, low staff turn-over, high consumer retention or low production costs due to superior technology.

Weaknesses are the factors that reduce your company’s ability to achieve its objectives independently. Examples include unreliable delivery, outdated production tools, insuffi cient marketing efforts and a lack of planning.

Opportunities are ways for your busi-ness to grow and be more profi table. These can include seeking new markets, managing tech-nological change or addressing new consumer trends. You need to look at how your company’s main skills can be used to take advantage of these opportunities.

Threats are barriers to entry in your pri-mary markets, such as a labour shortage, legisla-tive hurdles or detrimental economic or political developments.

2. DEVELOP A TARGET MARKET PROFILEDEMOGRAPHIC PORTRAIT

Here you want to demonstrate that you know your customers inside and out, including their expectations and their whims. Your pro-fi le should include basic demographic portraits that paint a clear portrait of your clients. Look at characteristics such as age, sex, profession or career, income level, level of educational attain-ment and geographic location.

ESTIMATED DEMAND You’ll want to provide research that

shows the estimated demand for your prod-uct or service as well as the rate at which that demand is expected to grow. This builds confi dence within fi nancial institutions that your business has growth potential.

PURCHASE MOTIVATION It’s also important to understand exactly

what motivates customers to buy. Are your clients looking for savings or a way to simplify their lives, for example, or are they just shopping for pleasure? Ask yourself why they would buy your product or service. In the same vein, you may want to know what keeps customers away from your competitors’ products or services. Are they too costly? Do they lack something unique? These insights will help you develop a product or service that outshines the competition.

3. SET CLEAR MARKETING OBJECTIVESHere you describe the desired outcome of

your marketing plan with attainable and realistic objectives, targets and a clear time frame.

The most common approach is to use marketing metrics. For example, your market objectives could look at total market share and segments, the total number of customers and percentage retained, the proportion of your potential market that makes purchases and the size or volume of those purchases.

4. DETERMINE YOUR MARKETING STRATEGYOnce you’ve determined your objectives and

targets, it’s time to look at how you’ll promote your business to prospective customers. Strate-gies typically cover the Four Ps of marketing: product, price, place and promotion.

Your choice of marketing vehicles will be gov-erned by the profi le of your target market, so you need to understand how different vehicles reach different audiences. Don’t always assume you have to spend money on costly advertising. If you have a niche audience, for example, you can take advantage of low-cost marketing strategies such as e-mail. The costliest options are usually ad-vertising, sales promotions and public relations campaigns. Referrals and networking are lower-cost ways to reach customers,and e-marketing is a powerful strategy because it is inexpensive and effective in reaching target markets.

5. DO YOUR FINANCIALSA marketing plan without fi nancials has little

clout. Financials can also be included in a general business plan. One document you’ll need to pro-duce is a budget and sales forecast. This needn’t be complex; in fact, it’s wise to keep it simple. It may help to start with the following questions:

• How much do you project that you will sell?• What will you be charging?• What will it cost to produce your products

or deliver services?• What will be your basic operating expens-

es? Be sure to include recruitment costs and salaries here.

• How much fi nancing will you need to run your business?

• A break-even analysis is another important step in developing your marketing plan. This analysis shows exactly how much you need to sell to cover your costs of doing business. If you can surpass your break-even point and easily bring in more than the amount of sales revenue needed to meet your expenses, you stand a good chance of making a profi t.

19March/April 2013

NOT ALL EMPLOYEE

BENEFIT PLANS ARE

WHAT THEY'RE

CRACKED UP TO BE.

SEE WHY WE'RE CANADA'S #1 GROUP BENEFIT PLAN FOR SMALL BUSINESS

Roger Lauzon905.878.1633 • RogerL@miltowneinsurance.com

CHAMBER GROUP INSURANCE

Employee Assistance Plans: A Big Benefi t For Small Firms

If you’re running a small business, you know the effort that goes into hiring new employees. It’s critical that you find the right people and bring them up to speed as quickly as possible.

But what do you do if something in an employee’s personal life starts to drive their productivity off the rails: marital issues, family problems, financial concerns or substance abuse? You know that looking for someone new is a lengthy and expensive process, so what are your options?

One great way to protect your investment – and give the employee a hand – is an Employee Assistance Program (EAP) through your group benefit plan. An EAP lets employees and their dependents consult with a range of professionals, in complete confidence.

The cost of an EAP is very modest, less per employee per year than most help-wanted ads, and certainly less than the cost of interviewing and training new staff.

An EAP program typically includes introductory materials for employees, to make them familiar with the breadth of confidential services they can access. They’ll often receive wallet cards with the EAP’s toll-free lines. These offer an initial point of contact, accessible 24 hours a day, to connect an employee with the professional in their area best suited to address the employee’s concerns.

As an employer, you probably don’t want to be in the awkward position of offering advice on personal matters. An EAP lets you gracefully and productively refer employees to help. An EAP can generate high satisfaction ratings from employees, helping address their personal problems, and keeping a trained employee productively at work for your small firm.

Benefit Facts presents information to help you manage your employee benefits. Brought to you by your Chambers of Commerce Group Insurance Plan® agent, representing Canada’s premier group plan for small and medium sized business. 1-800-665-3365 www.chambers.ca.

CONTACT ROGER LAUZON AT MILTOWNE INSURANCE SERVICES INC.

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20 March/April 2013

SPORTS CELEBRITY DINNER & AUCTION

Carter & Clark Headline 11th Annual Sports Celebrity Dinner

The 11th Annual Sports Celebrity Din-ner & Auction was a huge success this year. Baseball champion Joe Carter and hockey legend Wendel Clark headlined the event on February 12 at RattleSnake Point Golf Club.

Sports enthusiasts from all genres at-tended the event and were thrilled to meet Carter and Clark as well as CFL star Damon Allen, Maple Leaf Alumni Jeff O’Neill, Women’s Hockey Olympic gold medalists Jayna Hefford and Meghan Agosta, former CFL line backer and Toronto Argonauts Spe-cial Teams Coordinator Mike O’Shea and host of “Sportsline” and Master of Ceremo-nies Mark Hebscher.

Throughout the night sports fans bid on fabulous silent auction items and were a part of the spirited live auction with fabu-lous items during a delicious dinner.

Thank you to everyone who helped make this event such a success. The proceeds of the event will be added to our growing Scholarship Fund which with this addition is over $200,000. Special thanks are ex-tended to all our sponsors and prize donors – your generosity is greatly appreciated.

Thank you to the 2013 Sports Celebrity Committee led by Co-Chairs Andrew Jack-son of Jackson Events and Heather Rickard, RBC Royal Bank. Committee volunteers

include:• Dennis Durante, Durante Group of Companies• Kim Mitchell, Robert (Pie) Lee Insurance Agency• Katy Letourneau, Canadian Champion• Jim Firth, C.F. Crozier & Associates• Shawn Jackson, Crush Strategy Inc.

This evening would not be possible without the support of our sponsors, through their generous donations the Sports Celebrity Dinner has raised the profi le of the Chamber and of the sponsors involved. This evening showcased the Chamber’s commitment to the education of youth, our business leaders of tomorrow.

From left to right: Wendel Clark, Meghan Agosta, Joe Carter, Jayna Hefford, Jeff O’Neill, Damon Allen, Mark Hebscher and Mike O’Shea

21March/April 2013

SPORTS CELEBRITY DINNER & AUCTIONTHANK YOU TO OUR SPORTS CELEBRITY SPONSORS

PLATINUM SPONSORS

GOLD SPONSORS

PRINT SPONSOR FRIEND SPONSORS

HOTEL SPONSORBest Western Plus Milton Inn

AV PARTNERRobert (Pie) Lee

Insurance Agency

SILVER SPONSORS

Celebrities chatting during the hotstove interview (from left to right) Mike O’Shea, Jeff O’Neill, Damon Allen and Meghan Agosta

Thanks to Sports Celebrity regular and Toronto Argonaut’s Special Teams Coordinator, Mike O’Shea who brought the Grey Cup to the Sports Celebrity Dinner and Auction!

22 March/April 2013

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Ontario Business Confi dence IndexThe Ontario Business Confidence Index shows

that most Ontario businesses are confident in their own outlook (72 percent) and are planning to expand over the next five years (60 percent). However, the same businesses are unsure about the overall direction of Ontario’s economy--41 percent express confidence.

The index is a survey of 2,386 businesses and was conducted as part of Emerging Stronger 2013, a business-driven economic agenda for Ontario released today by the Ontario Chamber of Commerce and the Milton Chamber of Commerce, along with their research partner, the Mowat Centre at the University of Toronto.

Emerging Stronger 2013 is a transformational agenda aimed at accelerating Ontario’s economic growth. It identifies Ontario’s challenges and advantages, and sets out practical and detailed recommendations for government and business.

Some of its key recommendations include: enabling better access to capital for startups and small businesses through crowd funding; encouraging businesses to employ more Aboriginal people and people with disabilities; opening up more government services to private sector and not-for-profit delivery; utilizing Ontario’s large immigrant population to grow exports; and, allowing more employers to participate in training.

The agenda comes days after Kathleen Wynne was named Ontario’s next premier and is intended to provide a non-partisan platform that should appeal to all three parties.

“The Milton Chamber of Commerce and its Board of Directors support the OCC’s Emerging Stronger 2013 initiative,” said Richard Bolton,

President of the Milton Chamber. “Following the five priorities, we can ensure that Milton businesses champion innovation, continue to hire a well-trained and diverse workforce, support restoring fiscal balance by improving government, and take advantage of new opportunities and remain competitive in the global economy.”

“The Ontario Chamber of Commerce has criss-crossed this province engaging and hearing from local chambers and their 60,000 members,” added Allan O’Dette, CEO of the Ontario Chamber of Commerce. “We are confident that Ontario has all the assets to prosper, but we need to act collectively, strategically, and with purpose.”

“This Index is one of the largest surveys ever conducted of business opinion in Ontario,” according to Dave Scholz, Vice President of Leger Marketing, the pollster. “Business sentiment is very much ‘glass half-full’ in the province right now.”AMONG THE SURVEY FINDINGS ARE:

• Ontario is falling behind on productivity: only 10 percent of respondents believe their sector is a global leader in productivity.

• Some sectors are much more confident than others: the financial services sector is the most confident in their own outlook

• Businesses are struggling to diversify their exports: 45 percent of Ontario businesses view China as the most critical market in the next 5-10 years.

• Some regions are more confident than others: Greater Hamilton Area businesses are most likely to respond that the economy is heading in the right direction (48 percent), while Eastern Ontario businesses are the least likely (36 percent).

23March/April 2013

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CHAMBER NEWS

Student Jobs Available At The Milton Chamber of CommerceCOMMUNICATIONS CLERK Full-time position (Monday to Friday) for college or university student either entering a post secondary institution or returning to full time studies in September. Position starts May 6, 2013. Successful applicant will be responsible for developing an accurate and comprehensive database of all businesses in Milton for use in various publications in the community and region. Database information received by fax, email and telephone. Visits to area businesses required.Required skills/responsibilities include: • Excellent computer skills with

knowledge of database programs• Customer service oriented with strong

communications skills• Experience dealing with public• Strong organizational skills • Pleasant telephone manner• Must have access to vehicle

FARMERS’ MARKET SCHOLARSHIP CAFÉ SUMMER COORDINATOR Fast-paced, hands-on position requiring good communication, organizational, customer service and marketing skills. This position requires the successful applicant to work Wednesday to Friday 8:30 am – 4:30 pm and Saturday from 5:00 am – 1:00 pm. Student must be either entering a post

secondary institution or returning to full time studies in September. Position starts May 6, 2013.Required skills/responsibilities include: • Responsible for the weekly set-up,

opening and closing of the Farmers’ Market and Scholarship Café located on Main Street operated by the Milton Chamber of Commerce

• Work with vendors and/or customers at the market to ensure a successful market and ensure adherence to market rules policies

• Ensure visitors to market have a positive experience

• Work alongside Scholarship Café staff to serve customers coffee & bacon-on-a-bun

• Responsible for cash reconciliation at end of day

• Must have access to a vehicle

FARMERS’ MARKET SCHOLARSHIP CAFÉ ASSISTANTS Energetic and friendly individuals with good customer service skills are required for the position of a Scholarship Café Assistant, for Friday afternoons and Saturday mornings, approximately 11 hours/week, from May 17 to October 8, 2013. Duties will include assisting in the operation of the Scholarship Café. Heavy lifting is required.

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