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Issue No. 188 Published by: Ottawa Valley Business Group August 16, 2016 Campgrounds Face Triple Tax Rate CRA backcharging for 2015 season By: Jennifer Layman ism. Campgrounds are a small [email protected] “The worst case scenario is that we will see part of the tourism puzzle, and in some communities they are a If you ask anyone in the Ot- a decline in campgrounds in this country. vital part.” tawa Valley if a campground That doesn’t just impact camping, but all of Anderson has the numbers was more like a tourism business to prove her point. In or more like a storage facility, tourism.” alone, there are 1,144 camp- chances are they would go with - ALEXANDRA ANDERSON grounds and more than 150,000 the tourism angle. Even the prov- Executive Director, Camping in Ontario campsites. More than 1.8 million ince and the country in general Ontarian camp and the spend, count campgrounds as part of plus employment adds up to the “accommodations” aspect small businesses. A campground park owner, however, can only $1.2 billion annually. Of course, of the tourism industry. Up until was more like a “specified increase his rates in the future. there is also the rural factor of this year, the Revenue investment business” where in- Therefore the tax increase should camping as campgrounds are Agency (CRA) agreed with the come is made from real property. be announced for the future. most often located outside of the majority of Canadians. This year, The specified investment busi- This would allow the business to city centres. Some feel it’s just they changed their mind. nesses tax rate had another small budget and, if necessary, to raise one more slap in the face of the Starting With The Act benefit to the federal coffers: the prices accordingly.” economy for rural areas. Under the Income Tax Act, they were taxed at 45 to 50 per Camping in Ontario However, there is a way for campground corporations have cent. The Conservative govern- Alexandra Anderson is the Ex- campgrounds to get around this always qualified for the small ment said they would look at this ecutive Director of the Ontario triple tax increase: they just need business tax deduction. This proposal. The Liberal govern- Private Campground Association to have five full-time employees means they pay about 15 per cent ment decided not to. So the CRA (OPCA). She and her provincial working year-round! Not only is income tax. It has been this way re-evaluated some campgrounds counterparts have been trying to that unlikely given the seasonal for a long time, no one really and re-taxed them at three times convince CRA that their “back- nature of the activity, but local knows how long, but accountants their accustomed amount - for a charging” is unfair and that if it municipalities also have zoning have filed the small business tax year that had already passed. continues, it could significantly rules for campgrounds which deductions for campgrounds for, “The denial of small business hamper a tourism industry that is prevent them from operating well, decades. tax credit to a small business just getting back on its feet. year round. That requirement Government Change is implemented to past years “The worst case scenario is forces campgrounds to either In 2015, before the change of (welcome to Canada) and the that we will see a decline in break municipal bylaws, or be federal government, CRA sug- “mom and pop” park owners are campgrounds in this country,” outside the “business” category gested that campgrounds were back charged,” explains Walter she says. “That doesn’t just of CRA. It’s an odd choice. more like storage facilities than Geisser of Bayview Lodge. “The impact camping, but all of tour- Continued on Page 3 GOOD LUCK MELISSA

August 17th - Women’s 800m Round 1 - 9:55am EST August 18th - Women’s 800m Semi Final - 8:15pm EST August 20th - Women’s 800m Final - 8:15 EST Coverage on TSN, CBC and Live Stream Download the Rio App for Live Stream August 16, 2016 Ottawa Valley Business Page 2 Valley’s Council Chambers, September 7, 2016 Pembroke 2:00pm-3:30pm at the Accessibility Commit- County of Renfrew Boardroom, tee Meeting. 7:00pm. Arnprior & Ottawa Valley Business (OVB) is a twice- Renfrew 7:00pm-8:30pm at District Museum, 35 Madawaska monthly publication covering business 1035 O’Brien Road. To register Street. All are welcome. news and events throughout Renfrew, contact Jessica Geick at jessica. September 7-8, 2016 Lanark and Pontiac counties and the Events [email protected] or 613-431- Two-day comprehensive Quick- surrounding areas. OVB is published by August 16, 2016 the Ottawa Valley Business group. 3951 ext. 225. books Training Course. Accoun- County of Renfrew Official Plan August 18, 2016 tapotamus in Ottawa. 8:30am- WHO READS US: Review. Open House (5:30pm- Beef Meeting. 4:30pm both days. $675 plus OVB is delivered via email to more than 7:00pm). Public Meeting Contact Donna at 613-432-5568. HST. Ask about Canada Ontario 3,400 businesses, government agencies (7:00pm-9:00pm). Chalk River August 22, 2016 Job Grant that may cover 2/3 of and organizations. & Area Lions Hall, Chalk River. Renfrew County Federation of your training. Contact Kathryn to For info contact Charles Chees- Agriculture Meeting. Cobden. register at: 613-656-0441 ext.441 HOW TO SUBSCRIBE: man at 613-735-3204. Subscriptions are free. Email us at Call Donna at 613-432-5568. September 14, 2016 [email protected] to subscribe at August 17, 2016 August 22, 2016 Upper Ottawa Valley Cham- www.ovbusiness.com/subscribe. Renfrew County Plowmen Deadline to book into the Ottawa ber of Commerce Annual Golf Meeting. Cobden. Contact Myles Valley Meetings and Events Tournament. Held at Whitetail ADVERTISING: England at 613-582-3470. Guide. Published by Ottawa Golf Club in Eganville. $105 OVB’s target audience is employers and August 17, 2016 Valley Business. Distributes per player or $400 per foursome. employees. Advertising is available from County of Renfrew Official September 1st. List as a supplier, Shotgun at 12:00pm. 80’s theme. 1/8 page to full page, plus online. See www.ovbusiness.com/advertising for Plan Review. Open House venue or more. admin@ovbusi- Call: 613-732-1492 to register more information. (5:30pm-7:00pm). Public Meet- ness.com or call 613-732-7774. your team. ing (7:00pm-9:00pm). Paul J. August 23, 2016 September 14-16, 2016 1/8 Page ...... $75 Yakabuski Community Centre, Enterprise Renfrew County’s Ontario East Municipal Confer- 1/4 Page ...... $150 Barry’s Bay. For info contact next Starter Company Intake ence. Held at the Ambassador 1/3 Page ...... $175 Charles Cheesman at 613-735- Session. 10:00am-Noon. This Hotel in Kingston. www.oemc.ca 1/2 Page ...... $275 3204. is a mandatory session for all September 21, 2016 2/3 Page ...... $325 Full Page ...... $475 August 17, 2016 potential Starter Company Cultural Heritage Conservation Information Session on PARO: Applicants. Pre-registration is Workshop. Heritage Conserva- CONTENT & SUBMISSIONS: a Women’s Business Networking required. See website for details: tion in Ontario: Fundamentals News, article ideas, employee news, Group. Sessions: Barry’s Bay www.enterpriserenfrewcounty.com for Municipal Heritage Commit- business events, tenders and letters 11:00am-12:30pm at Madawaska tees. Led by the Ontario Ministry to the editor are welcomed. Content of Tourism, Culture and Sport. will be edited to fit the space available. 6:00pm-10:00pm. Carleton Submissions must have to impact the business community to be considered. Place and Beckwith Heritage Museum. 267 Edmund Street, CONTACT US: Carleton Place. Free of charge. Publisher...... Jennifer Layman Registration limited. Deadline to Advertising...... Kallie Doering register is September 14. Contact Email...... [email protected] 44% Bert Duclos at 1-888-997-9015 Phone...... 613-732-7774 of employees have ext.7154 or [email protected] Online...... www.ovbusiness.com experienced a mental health issue September 27, 2016 2113 Boulevard, Renfrew County Veterinary Pembroke, Ontario K8A 7G8 Services Committee Annual Meeting. Whitewater Municipal SOCIAL MEDIA: Building in Cobden. Producers welcome to attend. For informa- tion contact Lloyd Robinson at www.facebook.com/OVBusiness 613-582-3715. @JennLayman (Twitter) Help is here if you need it. October 24-25, 2016 OH!Tourism Summit. Best West- Valley EFAP is a workplace-based program that ern Plus Perth and Code’s Mill on the Park. More information offers mental health support to employees, at: www.ohtourismsummit.ca employers and families. The cost can be covered by November 19-20 2016 the employer or cost-shared with staff. This program The Franchise Expo in Ottawa. Saturday 11:00am-5:00pm. Sun- is also available to small businesses. Proudly in the day 11:00am-4:00pm. Eastern community for more than 30 years. Ontario’s largest “Own Your Own Business” event. Register for free at: www.ottawafranchi- Valley Employee and seexpo.com ----- Family Assistance Program Send us your business event to [email protected] | Phone: 613-735-2116 [email protected] August 16, 2016 Ottawa Valley Business Group Page 3 Campgrounds (Continued From Page 1) Continued from Page 1 who have been prohibited from ment. They never asked for the Note 2: Ottawa Valley Busi- obtaining the small business Council’s opinion, never gave ness asked additional questions What’s Going To Happen? tax deduction, and taxed at the them any notice, nothing. That of CRA staff. Answers did not “I would suspect one of two higher rate. leaves the Council trying to im- add more information to the things will happen to those “The CRA will review the re- pact the 2017 budget process and article, but are provided on our campgrounds that are impacted,” sults to date and undertake edu- change decade-old language to website at: www.ovbusiness.com says Todd Dowser of Morning cational activities related to the better reflect what a campground About Specified Investment Mist Resort. “Either the business eligibility criteria,” says Chloé truly is, which is not a storage Business: From CRA will shut down or the costs will Luciani-Girouard, Press Secre- facility. Devenish is trying to In general terms, a corpora- be passed to the consumer. Either tary for the Ministry of National minimize the negative impacts of tion’s business is a specified way, the tourism industry loses.” Revenue. “The determination of closed campgrounds. investment business if the prin- Why this differently-applied whether a corporation’s business “As an association, we are cipal purpose of that business is tax category has happened seems is a specified investment busi- aware of the impacts,” he says, to earn income such as interest, to be the million dollar question. ness is ultimately a question of “and we want to get the whole dividends, rents and royalties It certainly has the campground fact. CRA considers the specific industry behind it.” from a source that is property associations, manufacturers and facts of each case in order to de- Devenish references a (other than a business carried on suppliers perplexed. CRA can’t termine whether a corporation’s $100,000 study that shows the by a credit union or a business of explain it either - they’re just income qualifies for the small economic impact of camp- leasing property that is not real enforcing the rules as determined business deduction.” grounds and camping and sug- or immovable property). There by the Ministry of Finance. But National Organization gests that the tourism industry is an exception to this rule if the that would mean they didn’t Weighs In may not want to lose 5.7 million corporation employs more than follow the rules previously. So Shane Devenish is the Execu- Canadian campers, or the value five full-time employees in that again, why now? tive Director of the Canadian the industry brings. That value business throughout the year. “To be honest, we really Camping and RV Council. He includes $2.9 billion in jobs The CRA has published guid- haven’t gotten a strong answer says it “ludicrous” that a camp- for 60,000+ people and a total ance and there is also a signifi- on this,” says Anderson. “We ground is not considered a small of $4.7 billion to the Canadian cant body of case law relating haven’t been given a good an- business for tax purposes. He economy. to the factors that are relevant in swer as to why it has changed.” says that CRA never reached out A Rural Canada Issue determining if a corporation’s Instead of doing assessments to them, even during their annual Alexandra Anderson says this business is a specified invest- in advance, CRA is doing post- lobby day where they meet with is very much “a rural Canada ment business. assessments of campgrounds more than 50 Members of Parlia- issue” and while the tourism in- Generally, the business of a dustry as a whole has been slow campground involves the rental to show support, one munici- of real or immovable property, pality is being proactive on the often including the provision issue. The City of Quinte West is of basic services typical to that Meetings soliciting its fellow municipali- type of rental operation. In such ties in support of campgrounds a situation, the principal pur- in Ontario. Mayor Jim Harrison pose of that business would be is sending a letter to Bardish to earn rental income from real Events Chagger, Minster of Small Busi- or immovable property and the ness and Tourism, to support that corporation would not qualify change be implemented to ensure for the small business deduction campgrounds be recognized as unless it employs more than five Guide small businesses and pay the full-time employees in that busi- & same taxes as small businesses. ness throughout the year. PUBLISHING Seems easy enough to support. However, if a corporation car- Let’s see which municipalities rying on a campground business SEPTEMBER 1st agree. does not employ more than five Article Notes full-time employees throughout DEADLINE TO Note 1: Travel Our Backyard the year but does provide signifi- has sent a letter to Minister cant additional services that are BOOK SPACE Chagger in support of the Quinte integral to the success of its busi- August 22nd West resolution. While not a mu- ness operations, CRA may con- nicipality or campground, Travel sider that its principal purpose Our Backyard is a promoter of is not to earn income from real the tourism industry in the Ot- or immovable property. In these Do you have a space for rent for a small or large tawa Valley and recognizes the select instances, a corporation’s gathering? Maybe you provide a service for importance of campgrounds to income may qualify for the small meetings and events? If meetings and event be respected as small businesses business deduction, assuming in the local, rural communities. other conditions are met. business is part of your business, you should be We encourage local municipali- in our Meeting & Events Guide! ties, tourism organizations and tourism businesses to support the [email protected] | Phone: 613-732-7774 campgrounds in this initiative. August 16, 2016 Ottawa Valley Business Page 4 Building Permit Stats

Ottawa Valley Business asked municipalities in Lanark County, January-July - 32 permits On The Move Renfrew County and the Town Permit Values - $2,628,632.00 Mandy Stinson Michael G. March of Bancroft to provide building Permit Fees - $17,191.00 Mandy Stinson is the new Ontario has appointed a new statistics for 2016. The following Administrative Assistant for the judge to the Ontario Court of municipalities provided their to- Laurentian Valley Arnprior-Braeside-McNab Se- Justice, effective August 18, tal building permits, the value of January-July - 88 permits niors At Home Program Inc. The 2016, Justice Michael G. March. those permits and most provided Permit Values - $11,643,625.00 Community Support Services For the past 21 years, March has the fees municipalities earned Building Permit Fees - NA Agency in Arnprior serves the practised criminal law, primarily from those permits: communities of Arnprior, Town- in Renfrew County. He recently Madawaska Valley ship of McNab Braeside and served as vice-president and Admaston Bromley January-August 11 - 53 Permits parts of West Carleton. president of the Renfrew County January-June - 24 Permits Permit Values - $4,494,274.64 Terry Cairns Law Association, and is also a Permit Values - $2,286,000.00 Permit Fees - $36,427.84 Terry Cairns is the new Board member of the Criminal Law- Permit Fees - $113,672.00 Chair for the Carleton Place yers’ Association and the Ontario Petawawa & District Memorial Hospital. Bar Association. Arnprior January-July - 193 Permits Cairns’ career began in the Cana- Tanner Smith January-July - 112 Permits Permit Values - $19,368,950 dian Armed Forces and evolved Joshua Russelle Permit Values - $9,939,290 Permit Fees - $70,459.35 through several industries Tanner Smith and Joshua Ruselle Permit Fees - $14,811.00 including high tech and life sci- are summer students for the Renfrew ences. He has been volunteering Public Works department for the January-July - 75 Permits at the hospital for four years. Town of Petawawa for 2016. January-August 12 - 26 Permits Permit Values - $4,166,944.46 Dr. Scott Higham They began work with the Town Permit Values - $2,444,000.00 Permit Fees - $34,186.86 Dr. Scott Higham is the new on June 20th. Permit Fees - $10,142.33 Chief of Staff at the Carleton Ryan Paulsen Mississippi Mills Place & District Memorial Hos- Ryan Paulsen, a reporter for The Deep River January-June - 236 Permits pital. Higham has had a family Daily Observer, will be changing January-July - 42 Permits Permit Values - medical practice in Carleton careers and leaving the local pa- Permit Values - $2,065,483.00 $15,745,884.00000 Place since 1981 and has been per. Paulsen will be starting law Permit Fees - $4,379.00 Permit Fees - $262,838.58 Chief of Staff for the Hospital on school in Ottawa in September. two previous occasions. Paulsen came to the Observer in Montague Steve Fournier 2009 after a career with Barry’s January-June - 44 permits January-July - 21 Permits Trevor Choffe Bay This Week. Permit Values - $3,032,800.00 Permit Values - $1,615,757.00 Steve Fournier, the Fire Chief Building Permit Fees - NA Permit Fees - $7,651.00 for the Town of Perth has retired. Do you have people news? Send Trevor Choffe has been hired as it to: [email protected] Horton Perth the new Fire Chief, and will take January-July - 37 Permits January-July - 117 Permits over the position in September. Permit Values - $5,296,171.00 Permit Values - $7,380,773.00 He is currently a volunteer fire- Building Permit Fees - $25,812 Permit Fees - $70,291.20 fighter in Perth. Tay Valley

THE OTTAWA VALLEY’S HEALTH MAGAZINE. January-July -66 Permits FREE! Now Booking for the Fall Edition Permit Values - $3,761,477.00 HealthMatters Permit Fees - $29,317.55 SUMMER 2016 Summer of Health Matters Magazine! Health Starting The The following municipalities Experts Conversation Advertising Options: were not able to provide this Time to talk about Editorial, display ad or health services listing information by press time: All About death and dying Vitamins and Bancroft Minerals Special Special Section: Seniors Beckwith Section Retirement homes, fitness programs, nutrition guides, End-of-Life Brudenell, Lyndoch & Raglan Options supplement stores, general health promotion, Drummond North Elmsley downsizing and remodelling homes and more. Head, Clara & Maria A Community Lanark Highlands Responsibility McNab Braeside Abuse and assault Printing & Distribution are not private matters 15,000 printed copies plus 2,000 online downloads Updated website includes online directory Pembroke Deadline: August 19, 2016 All advertising includes graphic design of display ads and assistance Publishes: September 9, 2016 with writing editorials. We are here to help get your message out! Phone: 613-732-7774 | [email protected] August 16, 2016 Ottawa Valley Business Page 5 Business News Around The Valley

Supporting Campgrounds was the basis for the pool instal- municipal conference as part ing more than 5,000 babies in The City of Quinte West is so- lation business. The company of the Mayors’ Pembroke, Dr. Foohey started liciting its fellow municipalities was in Rio since October 2015, Caucus (EOMC). From August his practice in Pembroke in in support of campgrounds in and left a toonie beneath the 14-17, municipal leaders across 1949. He also served as the Ontario. Mayor Jim Harrison is competition pool! the province will meet in Wind- Chief of Obstetrics to both the sending a letter to Bardish Chag- Combined Fire Resources sor, Ontario for the Association Pembroke Civic and Pembroke ger, Minster of Small Business Three municipalities in the of Municipalities of Ontario General Hospitals. He was also and Tourism, to support Camp- Pontiac have merged their fire (AMO) conference. Mayor Le- on the Board for both the Public ing in Ontario’s initiative that departments into a single entity, may will be attending and partic- and Catholic school boards in change be implemented to ensure promising increased efficiency ipating with provincial leaders to Renfrew County. campgrounds be recognized as as a result. The municipalities advocate for important regional Local Municipalities small businesses and pay the L’Isle-aux-Allumettes, Sheen- priorities for Eastern Ontario. Battle Water Quality same taxes as small businesses. boro and Chichester now have The EOMC is comprised of 11 The Town of Petawawa and the Municipality Purchases School fire services handled by the Pon- mayors of regional cities. Town of Arnprior have had some The Township of Madawska tiac Ouest Fire Department. Museum Call For Artists battles with poor water quality. Valley has purchased the former Pontiac Home Wins Award The Champlain Trail Museum The Town of Petawawa issued a Sherwood Public School at 39 Architect Malcolm Wildeboer of in Pembroke is calling for artists beach closure at a favourite local St. Francis Memorial Drive. The the Ottawa firm Vandenberg & and artisans for their Art in the swimming locale, Centennial purchase price was $150,000. Wildeboer Architects has put a Park event. The event takes place Park (known locally as the Cat- Local Business Is An Pontiac home on the map. Wedge August 20th from 10:00am to walk) due to poor water quality. Olympic Supplier House, a newly-built Pontiac 4:00pm at the museum grounds. The Town of Arnprior issued an Andrew Tiffany, owner of residence has earned the 2016 Admission is free. There is enter- emergency warning on August Sustainable Aquatic Systems of Marvin Architects Challenge, tainment starting at 11:00am and 10th for residents not to consume Almonte has had an Olympic winning out over 170 competing food is available for small fee. or bathe with tap water. The is- experience. Tiffany installed all entries from across Canada and Contact the museum at 613-735- sue was due to a loss of pressure the Olympic pool liners in Rio. the United States. The house sits 0517 or pembrokemuseum@ in the water distribution system. Interestingly, Tiffany’s father, along the . nrtco.net Arnprior’s beaches remained Trevor, was the former head Lemay at Provincial Event Doctor Passes Away open. coach for the Canadian men’s City of Pembroke Mayor Mike Dr. Joseph Foohey has passed Swimming team - a career that Lemay will be at an annual away. Credited with deliver- GET UP TO a styllife you can e work with a rE ste n $5000 taOn rio TO START OR Jobseasternonta iojob .com r s GROW YOUR EXITSING BUSINESS! Information and Intake Session: Tuesday, August 23rd REGISTRATION IS REQUIRED Starter Company When you need to promote your job Receive business training and business plan development. Access to helpful information and workshops. opportunity to a larger audience, consider Mentoring from successful, local entrepreneurs posting on Eastern Ontario Jobs. Must be between the ages of 18 and 29 to apply Exclusively Eastern Ontario! [email protected] Enterprise Renfrew County (Renfrew and Pembroke locations) www.EasternOntarioJobs.com Ph: 613-432-6848 | Ph: 613-735-8224 | www.enterpriserenfrewcounty.com August 16, 2016 Ottawa Valley Business Page 6 Liberal Members Resigning MPP addresses energy costs and health care

We also learned recently that bracket. As someone who will be Tech Corner the levies as a result of the Lib- 60 on his next birthday, having eral’s cap-and-trade legislation my first hip replaced eight years will be anything but transparent. ago, without joint replacement I It was announced by the Ontario would be facing the same daunt- Energy Board that the cost of ing prospects of those people I cap-and-trade on bills for natural speak of. As a person who is in By: John Yakabuski, MPP gas will be hidden and made a otherwise excellent health, and [email protected] part of the distribution charge. I I dare say pretty darn strong raised this issue with the Minis- for my age, the absence of joint On August 3rd, Premier Kath- ter of Energy before the house replacement would make my life leen Wynne called a by-election recessed for the summer and dramatically different. I and so for September 1st in the riding made it clear that the people of many others are grateful for this of Scarborough-Rouge River, Ontario have every right to have life changing advancement in which was necessitated by the cap-and-trade charges clearly medical procedures. App: Shoeboxed Receipt and resignation of Bas Balkissoon. delineated on their energy bills. I must point out, that my ex- Mileage Tracker Both Wynne and Balkissoon It is done this way in Québec and perience at the Ottawa Hospital Cost: Subscription Required have refused to give any reason California. Ontarians deserve was absolutely wonderful. I Available: iOS, GooglePlay for his sudden resignation in nothing less. To add salt to the could not have been treated March. What is surprising is that wound, not only will the cap- better in any way. From the Shoeboxed is a no-brainer for Wynne has refused to also call and-trade charge be hidden, but first contact at the admissions anyone who needs to track their a by-election in Ottawa-Vanier it will be taxed as well. desk through to my discharge receipts, mileage and business for the same day. The vacancy Hip Replacement the following day, every single cards without the added pain of in Ottawa-Vanier was created It is quite amazing how joint person I interacted with, from manual data-entry. Simply snap when long-time cabinet minister replacement has changed not the surgeons to the porter who a picture and we’ll extract the Madeleine Meilleur resigned only my life but the lives of so whisked me back to my room, vendor, total amount, payment at the end of June. While the many others. I recall as a young were absolutely tremendous. method, date and also categorize premier does have six months boy some 50 years ago, seeing Each one of them exhibited a the receipts into the most com- after a riding is declared vacant countless people in their 50s and commitment to professional, mon tax categories. You can also to call a by-election, it has been perhaps 60s hobbling in our store compassionate health care, truly instantly create expense reports the accepted tradition that when with canes, because their mobil- showing how dedicated they are (with original receipt images) a date is chosen for a by-election ity was so clearly affected by to their profession and the people that you can send right from it includes all vacant ridings. By worn joints. Because of mobility they serve. I extend a heartfelt your phone. not calling both by-elections, challenges, those people would thank you to each of them. 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MLimited August 16, 2016 Ottawa Valley Business Page 7 Book Club: Eat That Frog Get more of the important things done today There’s an old saying that if the twenty-one practical and doable It’s A Fact first thing you do each morning steps that will help you stop pro- is to eat a live frog, you’ll have crastinating and get more of the The 2016 Rio the satisfaction of knowing it’s important tasks done - today! probably the worst thing you’ll Brian Tracy is a world- Olympic Games do all day. renowned speaker, an expert 28 Using ‘eat that frog’ as a meta- on time management and the Number of sports at the phor for tackling the most chal- author of many books, includ- lenging task of your day - the ing The Power of Charm. He is 2016 Rio Olympics one you are most likely to pro- the Chairman and CEO of Brian 42 crastinate on, but also probably Tracy International, a company Number of sport the one that can have the greatest specializing in the training and positive impact on your life . development of individuals and disciplines Eat That Frog! shows you how organizations. 306 to zero in on these critical tasks Total number of events and organize your day. You’ll not Let us know what you’re read- only get more done faster, but ing! [email protected] 37 get the right things done. Total number of venues About the Author hosting Olympic events By: Brian Tracy Bestselling author Brian Tracy 205 cuts to the core of what is vital Countries participating There just isn’t enough time to effective time management: for everything on our ‘To Do’ decision, discipline, and deter- 4,924 list - and there never will be. mination. In this fully revised Wisdom Total number of medals Successful people don’t try to do and updated second edition, he Hire character. Train skill. available to be won everything. They learn to focus provides brand new information - Peter Schutz 17 on the most important tasks on how to keep technology from and make sure they get done. dominating your time. He details Number of days of the There is only one boss. The customer. And he can fire Olympics everybody in the company 10,500 from the chairman on down, Athletes participating in the Excellent Legal Advice simply by spending his money 2016 Olympics somewhere else. Makes All The Difference. - Sam Walton 315 Number of horses Corporate legal matters are important at every stage of your Employees will only complain attending the Olympics business life. As your business changes, so can your legal or make suggestions three 90,000 needs. A lawyer experienced in corporate matters can be an times on the average without a important advisor for your business development. response. After that they con- Number of Olympics clude that if they don’t keep employees quiet they will be thought to Corporate Legal Matters 50,000 be troublemakers or that man- Number of Olympics Small Business Sales & Purchases agement doesn’t care. - Peter Drucker volunteers Partnership & Shareholder Matters 17.5 Million You can’t out-spend the giants, Tickets available for sale Commercial Real Estate Transactions but you can out-think, out- for the Rio Games Corporate Giving & Philanthropy teach, and out-help them. 3.5 Billion - Brian Halligan Estimated global viewers of Matt Bradley, Partner Huckabone O’Brien Instance Bradley Lyle LLP Best efforts will not substitute the Rio Games [email protected] for knowledge. 112 - W. Edwards Deming Years that have passed Phone: 613-735-2345 ext.321 Slowness to change usually since the golf was last in- 284 Pembroke Street East means fear of the new. clude din the Olympics www.mattbradleylaw.ca - Philip Crosby 329 . 20 years of legal experience with Brazilian cities the Olympic Do what you do so well that services in English and French. they will want to see it again torch visited before Day 1 Chair, Pembroke Petawawa and bring their friends. District Community Foundation. Source: Various - Walt Disney August 16, 2016 Ottawa Valley Business Page 8 Ottawa Valley SPECIAL SECTION BUSINESS BANKS/CREDIT UNIONS Canadian CFIB Members Rate Bank Experiences Bank Facts Credit unions will easily over “Big 6” 80 Source: Canadian Federation Small Businesses banks. The Bank of Montreal Number of banks in of Independent Business (5-49employees) was the best scoring major bank Scores for small businesses for midsized Canada Distinguishing business clients were comparatively higher than businesses with a score of 7.5. 6,349 by their size is critical to obtain- those for micro businesses. This Typical SME Financing Number of bank branches ing an accurate assessment of demonstrates that business own- Access to competitively-priced across Canada 92,000 are banks since smaller businesses ers typically show higher levels financing is vital to the develop- in rural/small town areas) generally receive different levels of satisfaction with their bank, ment of any business, whether it of treatment and service com- the larger their business. Credit be short-term financing for cash 18,711 pared to larger firms. Previous unions outperformed other banks flow needs or longer-term financ- Bank-owned ABMs in CFIB banking reports show that in all areas except service (i.e. ing in the start-up or expansion Canada smaller businesses typically ex- access to branch and online stages. The most common source perience lower levels of satisfac- banking) with an overall score of financing used among busi- 741 Million tion with their main bank. of 7.4. The Bank of Montreal re- ness owners is their personal Transactions logged at Micro Businesses ceived the second highest overall funds, equity and other assets, at bank-owned AMBs in (Less than 5 employees) score at 5.6. 62 per cent. It is more common Canada in 2015 Among micro businesses, Mid-Sized Businesses for micro business owners to use credit unions outperformed all (50-499employees) their own funds for financing as 698.2 Million other banks with an overall score Once again, credit unions opposed to small or mid-sized Online banking transactions of 7.2. Credit unions scored the provided the best service to mid- businesses. Younger business at the six largest banks in highest in all four areas exam- sized businesses compared to owners also tend to use their Canada in 2014 ined (clarity of bank statements, other banks (8.5). Credit unions own funds. Bank financing such 0.28% access to branch, and online scored the highest in financing as business loans and credit lines banking). Although strong in (9.7) and fees (10.0). Scores through a bank are the second Bank mortgages in arrears performance, it is also important for mid-sized businesses were most commonly used financing as of March 2016 to keep in mind their relative generally higherMPP than those source (60 per cent). Financing $8.5 Billion presence - credit unions are observed among the micro and through a bank is also more com- 2014 taxes paid in Canada prominent in Western and Atlan- small businesses. This is another mon among larger businesses. by the six largest banks tic Canada. The closes bank to indication that larger businesses Personal financing through a credit unions was Scotiabank at typically experience higher bank is used by one third of 280,145 4.9/10. levels of satisfaction with their owners. Employees of Canadian banks in 2014 Most businesses build a www.fwdthink.net $1.6 Million website for their business. Phone: 613-732-7774 Financing to small and You should build a website [email protected] medium-sized businesses for your customers. provided by banks Marketing is about connecting to $14.8 Billion your customers and potential Dividend income paid to customers. That happens through bank shareholders in 2014 a variety of ways, including your 84% website. If you want your website Canadians with a to help connect you to customers, favourable impression of talk to us. This is what we do with clients every single day. banks in Canada 34.5% Senior managers within the forwardthinking six largest Canadian banks MARKETING AGENCY who are women

Source: Canadian Bankers Association August 16, 2016 Ottawa Valley Business Page 9 SPECIAL SECTION Ottawa Valley BANKS/CREDIT UNIONS BUSINESS Credit Unions: How They Emerged Credit Started in 1901 with steep lending fee Union Credit unions began in rural character (not just credit rating) Germany in the mid-1800s and • First fully functional online Facts today there are over 50,000 banking credit unions in 100 countries • First fully functional online 5.3 Million around the world serving 188 banking Canadian credit union million members. • First cheque imaging service members (not including Credit unions and caisses In Ontario Quebec) populaires are member-owned, Credit Unions are provincially deposit-taking institutions that regulated, and in Ontario, that 1,740 provide loans and other financial regulation through the Ontario Credit union locations in services to their members. Caiss- he learned of a Montrealer who Ministry of Finance. Meridian is Canada es populaires focus their services had been ordered by the court to Ontario’s largest credit union. 2,800 on French-speaking communi- pay nearly $5,000 in interest on With almost 1.6 million ties. There are more than 700 a loan of $150 from a money- members, Ontario’s credit unions Volunteer directors of credit unions across Canada. lender. Drawing extensively on have provided $39 billion in credit unions Canada has the highest per- European precedents, Desjardins loans to Ontario households and $177 Billion capita membership in credit developed a distinctive parish- businesses as of the end of 2015. Assets held by Canadian unions in North America. More based model for Quebec: the Approximately 6,800 Ontarians credit unions than a third of the population is caisse populaire. are employed by these institu- a member of at least one credit In Canada, credit unions have tions. 380 union. Credit union membership a rich history of banking ‘firsts’ There are more than 100 credit Communities in which the is largest in Quebec. including: unions in Ontario with more than only financial institution is a Starting in Quebec • First full-service ATMs 1.5 million Ontarians already credit union The first credit union in North • First financial institutions to members. Most credit unions be- America, the Caisse populaire de lend to women in their own long to The Exchange Network 27,000 Lévis in Quebec began opera- names which provides surcharge-free Canadians employed by tions in January 1901 with a ten • First debit card service access to more than 2,400 ATMs credit unions in Canada cent deposit. Founder Alphonse • First open mortgages in Canada and 245,000 in the 80% Desjardins, a reporter in the Ca- • First home equity lines of United States. nadian parliament, was moved to credit Capital held in the form of take up his mission in 1897 when • First loans based on borrower Source: Various Sources retained earnings (com- pared to 45% with banks) YOUR PHARMACISTS: 14.5 Joe Conway For every million dollars Matthew Conway of lending, credit unions CONWAY’S Livia Vodenicar create 14.5 jobs in Canada Jonathan Tsui (compared to 8 by banks) PHARMACY & HEALTHCARE Leanne Thom Hamed Elsobky 6.6% Increase of credit union lending to small businesses We have www.conwayspharmacy.ca in 2014 2 updated NEW LOCATION IN PETAWAWA! Come visit us at Credit unions are the Your Independent Grocer - conveniently located! second largest provider of our website lending for entrepreneurs to serve Locations also in Cobden and Eganville. (RBC is first) More than 30 years of providing pharmacy Source: my Credit Union Matters: 2015 you better! Credit Union Community and Economic services in the Ottawa Valley. Impact Report August 16, 2016 Ottawa Valley Business Page 10 Tender Results Around The Region PW 09-2016 - Granular M Ma- Topographical Studies. De- Guard Hut and Parking Lot terial. Greater Madawaska. RFQ PW 07-2016 - Grinding fence Construction Canada. Modifications. Defence Con- BR Fulton - $108,943.30 of Construction, Demolition, Awarded to Adam Kasprzak Sur- struction Canada. RGT Clouthier - $98,073.83 and Other Waste at Mt. St. veying (Renfrew) in the amount Awarded to Turkstra Modular Smiths Const. - $139,611.50 Patrick Landfill Site. Township of $19,900.00 Builders (Beamsville) in the Cavanagh Const. - $94,575.35 of Greater Madawaska. 2016 Three-Quarter Ton amount of $786,120.00 Awarded to Cavanagh. Only one bid was received. Truck. Township of Drum- Awarded to National Grinding in mond/North Elmsley. Painting of Exterior Building. PW 10-2016 - Granular M the amount of $7,062.50. Awarded to Mike Fair in the Defence Construction Canada. Material - LimeStone Source amount of $34,109. Awarded to John Mackay Paint- Fraser Road. Township of PW-14-2016 Radtke Road. ing and Flooring (Pembroke) in Greater Madawaska. Town of Petawawa. Catch Basin and Manhole the amount of $119,788.00 BR Fulton - $104,525.00 Walsh Contracting - $328,241.06 Repairs. Defence Construction Smiths Const. - $93,790.00 RGT Clouthier - $323,631.35 Canada. Install Plug for Generator. De- Cavanagh Const. - $68,478.00 Smiths Const. - $341,949.60 Awarded to Eastway Contract- fence Construction Canada. Awarded to Cavanagh. Awarded to RGT Clouthier. ing (Pembroke) in the amount of Awarded to Rondeau Electric $16,997.16 (Pembroke) in the amount of #2016-004 - Drummond Con- Track and Field Scoreboard. $4,737.00 cession Road 7 Reconstruction Town of Petawawa. Valve List Test. Defence Con- Drummond/North Elmsley. Scoreboard Man (1) - $78,444.52 struction Canada. Correct Drainage. Defence Arnott Bros. - $852,451.00 OES (2) - $77,075.00 Awarded to Harrington Plumbing Construction Canada. Crains Const. - $822,749.00 Teksign (3) - $79,734.00 and Heating Limited (Pembroke) Awarded to Do All Construction Cavanagh Const. - $832,166.00 Centaur Prod. (4) - $79,500.00 in the amount of $29,800.00 (Pembroke) in the amount of Tackaberry Const.- $942,374.50 Awarded to Scoreboard Man. $127,325.00 Awarded to Crains. Pembroke Armoury Renova- Various Electrical Upgrades. tions. Defence Construction Install Lighting in POL Sheds. Disposal of Surplus: 1987 Defence Construction Canada. Canada. Defence Construction Canada. Champion Grader. Township Awarded to VCI Controls Awarded to Wade General Awarded to Panke Electric of Greater Madawaska. (Pembroke) in the amount of Contracting in the amount of (Petawawa) in the amount of No bids were received. $16,594.00 $1,172,000.00 $13,500.00

Modifications (Aviation). De- For full tender results, and ten- fence Construction Canada. ders with results pending, please Awarded to Harrington Plumbing visit: www.ovbusiness.com If you have questions, and Heating (Pembroke) in the we have answers. amount of $524,000.00 Let Your Business Fly. As a building owner, you have a significant responsibility in terms of the fire safety of your building. Fire extinguishers, fire alarms, emergency lighting and other safety needs is what our business is all about.

If you have questions about your fire safety needs, we have answers. Pembroke & Area AIRPORTT We make it possible.

Take a look at land lease and build opportunities at the Pembroke & Area Airport. Just off the Trans Canada Highway and Petawawa Boulevard. www.laymanfireandsafety.com Serviced and non-serviced land available. Phone: 613-732-5320 | [email protected] www.flycyta.ca | Phone: 613-687-5300 August 16, 2016 Ottawa Valley Business Page 11 Tender Results Around The Region T-16-07 - Supply & Delivery of T-16-09 - Sale of Used One (1) 2016 Backhoe Loader. Equipment and Vehicles. Tenders City of Pembroke. City of Pembroke. TENDERS ----- Reis Equipment - $78,760.00 1998 Ford F150 Half Ton Truck RFP - Fire Pumper Truck Wajax Equipment - $86,900.00 Awarded to Barry Swarbrick in Sale of Surplus Vehicles Preowned Cab & Chassis Toromont CAT - $105,637.00 the amount of $300.00 ------Nortrax Canada - $119,910.00 1995 Chev 1500 Half Ton Truck Screened Winter Sand RFP - Winter Liquids Awarded to Reis. Awarded to Ken Liedtke in the (North Algona Wilberforce) Storage Facility amount of $400.00 ------RFP-16-02 Engineering Ser- 2002 Ford F250 4x4 Truck Screened Winter Sand RFP - Long Range vices - Bell Street, O’Brien Awarded to Stan Marquardt in (Greater Madawaska) Financial Plan Street and Isabella Street the amount of 3,657.00 ------Reconstruction. Pembroke. 2010 Ford Crown Victoria Screened Winter Sand RFP - Social Infrastructure Fund AECOM No bids were received. (Madawaska Valley) Affordable Housing Units Ainley Graham & Associates 1997 Ford E35 Ambulance ----- Limited Awarded to Barry Swarbrick in One (1) 2017 4 x 4 Half Ton REQUEST FOR exp Services Inc. the amount of $1,200.00 Crew Cab Truck QUOTATION McIntosh Perry 2003 Dodge Neon ----- Tulloch Engineering Awarded to Ashley Peddle in the Supply and Installation Of A RFQ - Painting Services Awarded to McIntosh Perry in amount of $360.00 New Propane Boiler for the (Fire Station & Day Care Centre) the amount of $99,184.00. 1986 Kubota Tractor Municipal Office Awarded to Lavern Siegel in the ----- Tenders and results are posted RFP-16-04 - Operational amount of $7,156.00 One Three-Quarter Tonne online at: www.ovbusiness.com Review of City of Pembroke 1996 International Plow Truck Truck and Plow Administration, Treasury, No bids were received. ----- A Note About Tenders: Planning Building & By-law 2008 Neopost Folder Inserter Reroofing and Repair of the Ottawa Valley Business con- Enforcement Departments. No bids were received. West Dome, Goshen Renfrew tacts municipalities once a week City of Pembroke. County Works Yard for any active tenders they have StrategyCorp Inc. RFP-16-03 - Project Manage------available. We also visit their On the Right Track ment Services for Design-Build Removal of Undergroudn websites to provide these tenders Performance Concepts of New Fire Station. Storage Tanks, Goshen and and we contact municipalities Raymond Chabot Grant Thorn- City of Pembroke. Glasgow Public Works Yards for results as soon as the tender ton Consulting Inc. Awarded to Colliers Project expires. If there is a tender or Whitesell & Company Leaders Inc. in the amount of REQUEST FOR result you do not see posted with Awarded to StrategyCorp in the $127,833.00. PROPOSALS us, please let us know. amount of $24,952.50. 16-FIRE-001 - Breathing Air RFP - Construction of Natural T-16-08, Demolition of a Va- Compressor. Smiths Falls. Play Space Meetings cant Building - 415 Pembroke Only one bid was received. ----- St. West. City of Pembroke. La Boutique du Plongeur RFP - Town Hall Extension Event Awarded to Fast Eddie’s Auto (Triton) Ltée - $52, 474.39 Roof Replacement Guide Recycling in the amount of Not yet awarded. & ----- $46,000.00. Book By August 19th RFP - Parking Pay and Display [email protected] No. 16-12 - Remediation of Machine Replacement Phone: 613-732-7774 #2016-17 - HVAC Replace- Tennis Courts - Gemmill Park, ment at Highview PS. Renfrew Almonte. Mississippi Mills. County District School Board. Crains’ Const. - $59,943.20 Bruce Mechanical Ltd: Vitality Landscape - $68,584.70 of employees have had a Option #1 - $308,068.00 Cooney Const. - $69,900.00 44% mental health issue Option #2 - $336,257.00 Ottawa D-Squared - $70,787.50 Climate Works Heating/Cooling: Vallati Brothers - $89,690.00 Help is here if you need it. Option #1 - $448,924.00 Meyknecht-Lischer -$105,350.10 Option #2 - $485,578.00 Awarded to Crains. Irvcon Limited: Option #1 - $527,953.00 #2016-15 - Supply and Delivery Option #2 - $564,668.00 of Wi-Fi Access Points. Valley Refrigeration Ltd: Renfrew County District Option #1 - $597,000.00 School Board. Valley Employee and Option #2 - $637,000.00 Integra Data - $194,298.00 Family Assistance Program Awarded to Bruce Mechanical SHI - $309,732.00 for Option 2. Awarded to Integra. [email protected] | Phone: 613-735-2116 August 16, 2016 Ottawa Valley Business Page 12 Marketing A Cause How to succeed with advocacy able, they are also necessary This is not a place for egos. The to compete for someone’s time goal is to raise the awareness UPCOMING and attention to care about your level of your cause and everyone UPCOMING ISSUES cause. The comments that came involved needs to be on board out against the new ideas were with the best way to achieve September 6, 2016 focused on discussions the that. If people start doing their Regular Issue of OVB individuals had had with family own thing, it will detract from Special: Economic Development By: Jennifer Layman members, friends and others. The the organization of your cause Deadline: August 31st [email protected] problem with this type of evalua- campaign. ----- tion is two-fold. First, the people Cause campaigns exist for September 20, 2016 When I was involved with being asked for their opinions businesses and non-businesses. Regular Issue of OVB marketing a cause in Windsor, had a “friends and family bias” The campaign I was involved Special: Forestry Ontario I was disappointed with and would be impartial. Second, with in Windsor was a business Deadline: September 14th the fact that more people were the people being asked for their cause campaign. The goal was to ----- not paying attention to our cause. opinion were not in the target build awareness of an issue that October 4, 2016 An engineer who was working market for the campaign. was hampering development. Regular Issue of OVB with us gave me some advice I Many organizations make While it was led by one business, Special: Small Business Week have always since remembered. decisions to move forward with it had an impact for all business. Deadline: September 28th “Jennifer,” he said, “there are so campaigns based on the “friends That campaign was success------many causes that people should and family bias” and end up ful because we targeted our October 18, 2016 care about, you’re lucky if any- with disappointing results. audience specifically to busi- Regular Issue of OVB one gives you their time at all.” Equally, organizations choose nesses that owned land. We also Special: Small Business Week 2 And, he wasn’t wrong. not to move forward based on attracted support from businesses Deadline: October 12 Every “good cause” is a good opinions of those not in their involved with land development ---- cause and people simply can’t target market, and miss out on as well as private landowners. In November 1, 2016 care about all of them. As the very positive results. This is why the end, our awareness campaign Regular Issue of OVB person marketing the cause, marketing is so important when was successful and we rallied Special: Healthcare you have to be selective in who it comes to championing a cause the large majority of landowners Deadline: October 26 you approach to care about your - it’s the ticket to achieving suc- in the region. We were able to ----- cause. cess and preventing failure. leverage that strength of commu- November 15, 2016 Recently I was part of a discus- The other thing that is impor- nity support to further our own Regular Issue of OVB sion about building awareness of tant for cause-related marketing development goals. Special: Giving Tuesday a cause. I brought forward some is that the campaign is focused. Know your audience. Market Deadline: November 9th ideas and the people around the Messaging has to be consistent. to them. Stay consistent. table were a bit skeptical as these Images and follow-ups to that MEETINGS & EVENTS were not things that the organi- messaging have to be clear and Jennifer is the owner of Forward Think- GUIDE zation had ever done in the past. everyone involved in the cam- ing Marketing Agency. Her column appears every issue. While I know that new ideas paign has to play on the same 2016 Issue tend to make people uncomfort- side and by the same playbook. Publishes: September 1, 2016 Deadline: August 22, 2016

Make time for marketing. HEALTH MATTERS

Your competitors will. Fall Edition Publishes: September 9, 2016 Deadline: August 19, 2016 forwardthinking 101 THINGS TO DO MARKETING AGENCY IN THE VALLEY

August/September Issue Available online at: www.travelourbackyard.com ----- October/November Issue Publishes: September 29, 2016 Deadline: September 26, 2016 www.fwdthink.net ----- Phone: 613-732-7774 December/Christmas Issue Publishes: November 24, 2016 [email protected] Deadline: November 21, 2016