Vol. 23 No. 2 Serving our community since 1957 February 2014

ChamberLine The

February 26, 2014 Business Breakfast

The Rhinecliff, 7:30 - 9:00 a.m.

Certified Business Coach & 2012 North America Coach of the Year

Ellie Marshall, ACTIONCoach

5 Ways to Massive Profit in 2013

“My profits have INCREASED 275% in 6 months by following the 5 Way System and being

coached by Coach Ellie Marshall!” David Jones (Owner, Broadleaf Behavioral Health)

There are truly only five ways to multiply your business profits, but most business

owners focus on the wrong things.

You'll learn the five "secrets" every successful business should focus on improving including:

1. How to take immediate control of your cash flow and profits.

2. How to multiply your number of customers, your revenues, and your profits.

3. How to retain customers for 2x or 3x as long as you do today.

4. How to avoid the top 4 common mistakes in advertising.

5. How to turn your marketing and advertising into an investment, rather than an

expense.

6. How to work ON your business instead of just IN your business.

This seminar is designed for BUSINESS OWNERS & LEADERS who are open to learning

simple, new ways to run their business are passionate about improving their business and want

to earn MORE PROFIT. Come learn what thousands of business owners are doing to make

their profits grow.

Coach Ellie is one of the most demanding coach’s out there with high expec-

tations for all of her clients to work hard and get outstanding results in their

business.

• Ellie’s passion is to help business owners rediscover their dreams; dreams

that have gotten lost in the day-to-day challenges of their business. Also to

make as much PROFIT as possible!

2 RHINEBECK AREA CHAMBER OF COMMERCE BOARD OF DIRECTORS Officers President Sean Kemp McCabe & Mack LLP Vice President Robert Babirad Hudson Valley Federal Credit Union Secretary Josh Burckhard, D.C. Rhinebeck Chiropractic Treasurer Jesse Hewitt Northern Dutchess Hospital Immediate Past President Vicki Haak, CFP® Ameriprise Financial Services Directors Charles Derbyshire Old Mill Wine & Spirits Kyle Eighmy NDP EMS Suzanna Hermans Oblong Books & Music Kristin Hutchins Ruge’s Automotive, Inc. Tom Jozefowicz Williams Lumber Tina Keil Bella Fiori Philip Meltzer, CFP® Meltzer & Hill Wealth Advisory Looking Glass B&B Kevin O’Connor The UPS Store Janet Trupiano Trupiano Uniform Company Chamber Staff Colleen Cruikshank, Ex. Director Chamber Office Information: 23F East Market Street 876-5904 fax 876-8624 Mailing address: PO Box 42, Rhinebeck, NY 12572 info@rhinebeckchamber.com RhinebeckChamber.com

The ChamberLine

2014 CHAMBERLINE ADVERTISING RATES: 1/2 page—$75 per month or 12 months for $750

Business Card —$25 per month or 12 months for $250 Single page inserts $100 (must be provided pre-printed for insertion)

1/4 page —$50 per month or 12 months for $500 For more information on advertising, please call 876.5904.

Dear Members:

I would like to take a moment to thank each of you who were able to attend the

Annual State of Rhinebeck Dinner on January 30, 2014 at the Beekman

Arms. It was great to hear from our local elected officials and, of course, it

was a wonderful occasion to honor Ward and Linda Stanley as the recipients of

the 2014 Rhinebeck Area Chamber Commerce Good Egg Award.

The cold weather still appears to have us in its grasp, however, the days are

beginning to get a bit longer and there are some subtle signs that Spring is not

too far away. Before we know it, the ice will melt on the Hudson and they will

be taking the boats and trailers out from storage at the Fairgrounds.

Another sign that warmer weather is on the way is the release of the Rhinebeck

Area Chamber Commerce’s Membership Directory and Visitor’s Guide. You

most likely have already received communication regarding listing and adver-

tising your business in the guide. I hope that each of you choose to do so as

this is an excellent opportunity to raise the visibility of your business. Our

guide is circulated to over 7,000 people many of whom are looking to use your

service or buy your goods.

Finally, I want to mention the photo contest for this year’s guide. In years past,

the cover of the guide has featured the artwork of a local artist. This year we

are holding a photo contest to select the cover of the directory. The contest is

open to members and nonmembers and both professional and amateur

photographers are welcome to submit photographs. Please contact Colleen

Cruikshank for further details regarding the contest.

Very truly yours,

Sean Kemp

Sean M. Kemp, Esq.

A Message from the

Chamber President

The ChamberLine 3

RHINEBECK AREA CHAMBER OF COMMERCE

ANNOUNCES LAUNCH OF

COVER PHOTO CONTEST

The Rhinebeck Area Chamber of Commerce has officially

announced the launch of a contest designed to find a cover

photo for the 2014-2015 Membership Directory & Visitor’s

Guide. Approximately 7000 copies of the guide, which pro-

vides tourists and locals with a comprehensive overview of

area businesses, attractions, and events, are distributed each

year locally, regionally, and nationally. The contest, which

is open to both amateur and professional photographers,

allows the public an opportunity to share their best photos of

the Rhinebeck area. One winner will be selected, whose image

will be used for the cover of the 2014-2015 publication.

Colleen Cruikshank, Executive Director of the Rhinebeck Area Chamber of Commerce, stated

of the contest, “For the past several years, our Membership Directory and Visitor’s Guide has

featured a painting of a Rhinebeck scene from a local artist on the cover. This year, we are

looking for photography that captures the spirit of our beautiful area, and we enthusiastically

look forward to seeing what the public has to share. Any local shutter bug can present us with a

photo of a scene or event in our area and have a chance to showcase his or her work to the

thousands of people who enjoy our guide”.

Images not chosen for the cover may be used in the content of the Guide, with the photographer

credited. A committee will choose five finalists. The winner will be chosen by the Rhinebeck

Area Chamber of Commerce membership and guests who attend the March Business After

Hours event on Thursday, March 13th, at The Shelter, Rhinebeck’s newest late-night venue.

Photographs should be submitted digitally, minimum 300 dpi, to info@rhinebeckchamber.com

by Wednesday, March 5th. Please contact Colleen Cruikshank, 845-876-5904, for more

information.

All members: Please be sure to go onto the www.rhinebeckchamber.com to check your

listings! This is the contact & category information that will be used for the Member Direc-

tory. All event listings should be submitted via email by February 28th.

The ChamberLine 4

UPCOMING CHAMBER EVENTS

Monthly Business Breakfasts

Wednesday, March 26, 7:30-9:00 a.m., The Rhinecliff

Mary Kay Vrba, Executive Director, Dutchess County Tourism

Liz Mazzarella, European Adoption Consultants

European Adoption Consultants Inc(EAC)

CELEBRATING OVER 22 YEARS of assisting families in completing international adoptions! Euro-

pean Adoption Consultants, Inc (EAC) is a non profit 501(c)(3) international child adoption placing

agency. EAC is Hague Accredited, China (CCCWA) Licensed, and approved to complete adoptions in

many countries around the world.

As one of the larger international adoption agencies, we have assisted in over 7,800 adoptions since

1991. Currently we have adoption programs in China (including China Waiting Children), Bulgaria,

Uganda, DR Congo, Ukraine, India, Panama, Colombia, Honduras, Haiti and Poland!

EAC prides itself on providing world class adoption services, while being able to maintain a personal

relationship with each adopting family. We focus on educating each adopting family before, during,

and after their adoption. Our post adoption resource desk continues to provide assistance to families

even after their adoption is completed.

Find out for yourself why so many families have chosen to become EAC families!

Wednesday, April 23rd, 7:30 - 9:00 a.m., The Rhinecliff

Speaker will be Senator Terry Gipson.

Business After Hours

Thursday, March 30th, 5:00-7:00 pm at the Shelter (formerly CruClub Winebar)

47 East Market Street, Suite 2. Entrance between FACE Stockholm and Bumble & Hive.

Come vote for the cover photo of the 2014-2015 Member Directory & Visitor’s Guide!

PLEASE CHECK THE CALENDAR OF EVENTS ON

WWW.RHINEBECKCHAMBER.COM FOR ALL THE GREAT MEMBER EVENTS

THAT ARE TAKING PLACE!!

The ChamberLine 5

New Members!

Building Environmenal Solution, Inc.

845-876-6006

William & Erin Sanchez

Asbestos and mold remediation.

Columbia Green Media

1 Hudson City Centre

Hudson, NY 12534

518-828-1616

www.registerstar.com

Jim Gibbons

Lexington Bates Asset Mgmt, LLC

646-773-1907

Brian Kearney

Old Stone Farm

1 Naylor Road

Staatsburg, NY 12580

845-876-3997

www.oldstonefarm.org

Paul Kahn

The Chamber Line 6

Winter hours are M-F 10AM to 6PM , Sat. 10AM to 5PM,

Closed on Sunday

Spring styles and colors are in, as well as our new Dansko

shoe styles

7 The Chamber Line

MEMBER NEWS

HVFCU Named among Best Companies in NY

For the fifth consecutive year, Hudson Valley Federal Credit Union (HVFCU) has been named one of the Best Companies to Work for in New York for 2014. The designation was awarded to HVFCU by the New York State Society for Human Resource Management and the Best Companies Group, an independent company managing the Best Places to Work programs on state, regional and national levels around the country. The Best Companies to Work for in New York list is comprised of two groups: small/medium sized companies with 5 to 249 employees; and large sized companies employing 250 or more employ-ees. HVFCU has been named one of the 28 large sized Best Companies to Work for in New York. Companies were evaluated on their workplace policies, practices, philosophies, systems and demographics. Employees within the companies that were nominated for the award were asked to complete a survey in order to measure each entity’s employee experience. HVFCU will be formally recognized and honored at the Best Companies to Work for in New York awards din-ner on May 6, 2014, at the Albany Marriott Hotel.

Hudson Valley Federal Credit Union is a community-chartered credit union providing personal and

commercial financial services to more than 281,000 members. HVFCU offers savings and loan

products to businesses and individuals that live, work, worship, volunteer or attend school in

Dutchess, Ulster, Orange, and Putnam Counties. With more than $3.8 billion in assets, HVFCU

serves its members through 19 branch locations, a nationwide network of more than 77,000 sur-

charge-free ATMs, Internet Banking, online bill payment, Mobile Banking, and 24-hour account

access by telephone. HVFCU was recently named the financial institution for “Best Nationwide Ac-

cess” by NerdWallet.com. HVFCU is federally insured by the National Credit Union Administration

(NCUA) and is an Equal Housing Lender. For more information, visit hvfcu.org.

DISTINCTLY HIMALAYAN WAREHOUSE SALE

February 10-15, 2014

Unique fair trade fashion accessories at wholesale and close-

out prices for limited time in Rhinebeck

www.distinctlyhimalayan.com

6565 Spring Brook Avenue, Suite #5

Rhinebeck, NY 12572

Tel: 845-876-6331

8 The Chamber Line

Conduct a Dress Rehearsal before Retiring

Two emotions are likely to strike those who are nearing retirement – excitement

and fear. Leaving the world of alarm clocks and cubicles and having time to pur-

sue your own passions on a daily basis is liberating – but the apprehension of en-

tering a new life stage can easily creep in. Although work-related stress will disap-

pear, the responsibility of filling each week in a satisfying way can be a challenge.

Top that off with the ever-present concern about long-term financial security in

retirement and the nerves can grow even greater.

The truth is, feeling excitement and fear is okay, but what if your retirement isn’t everything you envi-

sioned it to be before you left the workforce? What if life after work turns out to be far different from

your expectations?

Consider a practice run

If you’re nearing retirement, you’ve likely taken steps to prepare financially for the future. But there’s

one important thing you might not have considered adding to your pre-retirement checklist – a practice

run. How you choose to spend your time (and in many cases, your money) in retirement is your decision

to make, but it’s not always an easy one. As we age, our interests, hobbies and relationships change.

What you may consider your “ideal” retirement when you’re 55 may not fit when you’re 65. This evolu-

tion can make it hard to plan accurately for retirement.

To the extent you’ve made a financial commitment to a certain lifestyle, this can pose real problems. If

you’ve already committed a significant amount of savings toward a particular lifestyle (a home in an-

other part of the country or a trip around the world for a year), changing your mind in ten or fifteen years

could throw a wrench in your long-term financial plan.

Those who have based their financial plan for retirement on the idea that they will be living in a new

location may benefit from a practice run before making the big move. It’s natural to change your mind

about what you want, but it’s better to understand the potential implications of changing your mind be-

fore you actually retire as it can have unintended consequences.

For example, consider an individual who has lived his entire life in New York, but moves to Florida

when he retires – where taxes and cost-of-living are generally lower. Deciding after several years to re-

locate back to New York to be near family – where cost of living and tax rates differ – can mean the dol-

lars he’s saved will have to be re-allocated and his savings may not go as far as he’d planned.

The idea of practicing retirement may also mean leaving the 40-hour work week for something that’s

more part-time. Some people may want to take a part-time role with their current employer, or work as a

consultant to continue experiencing the challenge of work. This also can offer important financial bene-

fits that help preserve their nest egg.

Continued on page 9

9 The Chamber Line

Time for a financial rehearsal

Practice can also be beneficial in another way – simulating how to manage your expenses in retirement.

The idea that your cash flow no longer comes from a reliable paycheck, but from other sources like

Social Security and personal savings can come as a shock – even to those who are well-prepared for this

change.

One idea to accomplish this is to run two accounts for a certain period of time. Through one account,

manage all of your household and lifestyle expenses that you expect during retirement. This includes the

costs for necessities like food, clothing, shelter, utilities, taxes and insurance as well as “nice- to-have”

items like dining out, traveling, etc.

Keep in mind that you may have to estimate or inflate your lifestyle expenses for retirement as they

could rise when you have more free time. The best way to get a handle on these expenses is to experi-

ence them while you’re still working. Take that trip to Europe before retirement and find out first-hand

what you can do within your budget. If the cost is different than expected, make adjustments to your

financial projections to more accurately reflect reality.

Through the second account, manage all of your expenses that are expected to end in retirement like

principal and interest on a mortgage payment (if your home will be paid off), current car payments

(although car payments can certainly happen again in retirement), college costs for your kids and con-

tributions to retirement plans.

Perfecting life in retirement

A little practice can go a long way toward easing emotional and financial concerns when it comes to

making the jump into retirement. A retirement trial run may not answer all of your questions – and it

doesn’t necessarily include the unexpected events that can often throw retirement off track – but doing it

for six months or so can be very beneficial in determining if your budget and lifestyle expectations for

retirement are realistic. Consider working with a financial advisor who can help you determine a budget

and a retirement income plan that fits your needs and desires for retirement.

Vicki L. Haak, Certified Financial Planner®, is a financial advisor with Ameriprise Financial. Haak provides

financial advice that is anchored in a solid understanding of client needs and expectations, and provided in a

one-on-one relationship with her clients. Her office is located at 30 East Market Street, Rhinebeck NY 12572,

and she can be reached at (845)-876-1157. For more information, visit ameriprise.com or ameripriseadvisors.com/

Vicki.l.haak

9 The Chamber Line

State of Rhinebeck & Good Egg Award 2014

Thank you to our sponsor &

advertisers:

Cale Communications

Dutchess County Fairgrounds

Vicki Haak, Ameriprise Financial

Meltzer & Hill Wealth Advisory

Rhinebeck @ Home

Rhinebeck Farmers’ Market

Sharp Images Photographic

Trupiano Uniform Company

Winter Sun & Summer Moon

2014 Good Eggs, Linda &

Assemblymember Kevin

Cahill Senator Terry Gipson

DC Legislator Joel

Tyner Mayor Jim Reardon

Supervisor Elizabeth Spinzia

Lots more photos on our Facebook page!

The ChamberLine