ON THE JOB

See this months movers and shakers

throughout Columbia.
PAGE 6
PRSRT STD
US POSTAGE
PAID
BELLMAWR, NJ
PERMIT NO. 1239
JULY 2011
FOLLOW THE LEADER
For better results, use a checklist.
PAGE 8
MARKETING MATTERS
Door to door sales.
PAGE 7
SMART COLUMN
Identity theft: Prevent losing yourself.
PAGE 10
www.midlandsbiztrends.com
Special to Business Trends
The United Way of the Midlands recently held its fourth annual Young Leaders Society and Tocqueville Society
Cocktails & Conversations event, which provides opportunities for young leaders and more seasoned folks to
have conversations and get to know each other. Pictured, from left, are Daniel Smith (BB&T), Jim Apple (First
Citizens), Jennifer Phelps (SC Association of Technical College Commissioners) and Ryan Barnes (NBSC).
Cocktails & Conversations
Lexington Chamber . . . . . . 4
Columbia Chamber . . . . . . 10
West Metro Chamber. . . . . 12
P u b l i s h e d b y E l a u wi t Me d i a
By TIM RONALDSON
Business Trends
South Carolina is not as free as
you might think, and compared to
its neighbors, it isnt free at all.
A recent study, Freedom in
the 50 States, ranked South Car-
olina 26th in overall freedom
based on measurements of fiscal
policy, regulatory policy, econom-
ic freedom and personal freedom.
While the ranking puts the state
in the middle of the pack overall,
it lags behind other Southeastern
states such Florida (11th), Geor-
gia (15th), Tennessee (16th) and
North Carolina (18th).
For the most part, the Palmetto
State ranks in the upper half of
the category breakdowns, but its
overall rating is dragged down
due to its poor No. 40 ranking in
personal freedom.
South Carolina is in the mid-
dle of the pack when it comes to
overall freedom but performs
quite poorly on personal free-
dom, reads the study, written by
William P. Ruger and Jason
Sorens, and conducted by the
Mercatus Center at George
Mason University. Gun-control
laws are a bit better than average,
but among the worst in the South.
For instance, open carry is com-
pletely banned, the state licenses
gun dealers, and design safety
standards for handguns have
been imposed.
The study which can be found
in its entirety online at
http://mercatus.org/freedom-50-
states-2011 comprehensively
ranks the states on public policies
that affect individual freedoms in
the economic, social and political
spheres, updating its initial re-
lease in 2009. The studys ap-
proach to measuring freedom in-
cludes three unique areas: It
measures social and personal
freedoms such as peaceable citi-
zens rights to educate their own
children, to own and carry
firearms and to be free for unrea-
sonable search and seizure; it in-
corporates more than 150 distinct
...and compared
to the rest of the
Southeast, South
Carolina isnt free
please see FREEDOM, page 2
Freedom
isnt
free...
By TIM RONALDSON
Business Trends
There has been an upward trend in lend-
ing as the credit market has begun to loosen
and return to pre-recession days.
Thats good news for the future prospects
of business expansion, and potential job
growth, and it comes from a man whos intri-
cately involved in small business lending
Elliott Cooper, the South Carolina district di-
rector for the Small Business Administra-
tion.
We do see the market picking up, Cooper
said. Our volume is picking up. I would as-
sume that is because the overall economy is
improving.
The South Carolina SBA office had a
record first quarter of its fiscal year, from
October through December, mainly because
of enhancement programs from the federal
stimulus plan. Those enhancements have
Lending trends upward
please see LENDING, page 7
Small business lending back to pre-recession levels, SBA district director says
2 BUSINESS TRENDS JULY 2011
public policies; and it carefully
measures fiscal policies in a way
that reflects the true cost of gov-
ernment to the citizen.
We explicitly ground our con-
ception of freedom on an individ-
ual-rights framework, the study
reads. In our view, individuals
should be allowed to dispose of
their lives, liberties and proper-
ties as they see fit, so long as they
do not infringe on the rights of
others.
According to the study, South
Carolina ranks 21st for fiscal poli-
cy, 12th for regulatory policy, 17th
for economic freedom and 40th
for personal freedom. Taken
alone, these numbers and rank-
ings dont mean much, but delve
deeper and one can find why leg-
islators should pay attention.
Two of the most intriguing
findings of our statistical analy-
sis are that Americans are voting
with their feet and moving to
states with more economic and
personal freedom, and that eco-
nomic freedom correlates with in-
come growth, the study reads.
Those states that rank lower on
the overall freedom list are more
likely to lose, and not gain, new
residents, which could drastically
affect the future economy. And for
a state such as South Carolina,
with neighboring states that are
much freer, that effect could be
even more drastic.
The study found that South
Carolinas tax burden is fairly
low, but government spending,
and consequently debt, is high.
Spending on government employ-
ment and education is higher
than normal, and social-service
spending could be more effi-
cient.
Gun control is seen as better
than the national, according to
the study, but among the worst in
the South. Labor and health-in-
surance regulations are also gen-
erally good, with the state having
a relatively low number of health-
insurance coverage mandates.
In education, South Carolina
fared quite poorly in terms of
schooling laws. While it has
mandatory kindergarten, it does-
nt have mandatory intradistrict
public-school choice. In the realm
of homeschooling, the state has
teacher qualifications and bur-
densome standardized testing,
recordkeeping and notification
requirements.
Freedom, properly under-
stood, can be threatened as much
by the weakness of the state as by
overbearing state intervention,
the study reads. Individuals are
less free the more they have rea-
son to fear private assaults and
depredations, and a useful gov-
ernment punishes private aggres-
sion vigorously.
The study made three recom-
mendations to help S.C. be freer:
n Prune state employment and
cut hospital and health-care
spending, which is far above
national norms.
n Eliminate homeschooling
regulations.
n Revise the states asset-forfei-
ture laws to make it more difficult
for the government to seize assets
and to reduce the incentive to do
so by lowering the percentage of
proceeds that go to law enforce-
ment.
In essence, what this study at-
tempts to measure is the extent to
which state and local public poli-
cies conform to this ideal regime
of maximum, equal individual
freedoms, the study reads. For
us, the fundamental problem with
state intervention in consensual
acts is that it violates persons
rights. To paraphrase (philoso-
pher Robert) Nozick, in a free so-
ciety, government permits and
protects both capitalist and non-
capitalistic acts between consent-
ing adults.
Freedom isnt free
FREEDOM
Continued from page 1
Ah >P9b>9k fAkb> Thf>f kfAT kfAk>:
A link to your website as an advertising tool for one year.
Six large, attractive, double-sided, free-standing displays that will be located at each entrance of the Multipurpose
Building and inside the building near the band.
Your businesses name to be mentioned by both indoor and outdoor bands several times during each day of the Festival.
Your businesses name listed in the Festival Program given to each attendee.
Your business acknowledged and thanked in a half page advertisement in The State Newspaper midweek of the Festival.
An invitation to our "Thank You" Appreciation Dinner.
Donate to a great cause, expose your business to tens of thousands of
attendees and get FREE business-to-business advertising to all of
Columbia's Business Community what could be better?
To learn more, contact
Niki Stewart at (803) 407-1190 or (803) 260-5719 or
Mary Rickman at (803) 361-2905 or (803) 252-6758 ext. 0.
5PDh5Dk5H!P LYL5
!b AlTl9b T9 Th9>f kfAT kfAk>,
Each new 2011 sponsor will earn an exclusive, FREE quarter page ad to run in an upcoming edition of
Midlands Business Trends.
5!LYk 5PDh5Dk5H!P
51,200
Includes 8 free food vouchers.
DL 5PDh5Dk5H!P
52,z00
Includes 20 free food vouchers and
your company's name printed on an
oversized banner throughout the
indoor arena.
PLA|!hUM 5PDh5Dk5H!P
5z,000
Includes 30 free food vouchers and
your company's name printed on an
oversized banner throughout the
indoor arena.
Holy Trinity Greek Orthodox Church welcomes you and
offers our hospitality for the 25th annual Greek Festival.
Every year, more than 80,000 visitors attend Columbia's
Greek Festival. It provides entertainment, shopping with
vendors from numerous states across the country, and
unbelievable Greek food. This year we anticipate exceed-
ing those attendance numbers once again.
This year we are looking for you to participate in a way
you may never have considered. We are offering three
sponsorship levels to allow you and your Organization to
be highlighted to each one of our attendees. This is your
chance to be Greek for a week!
Our "Thank You" Appreciation Dinner is the highlight of our event. We invite all sponsors, church Parishioners, and the
Directors of each Charity that is sponsored to be honored and presented their checks. Charities are invited to an-
nounce how the donations from the event will be used.
L9Al hAklTlf> !blUf:
Providence Home, Sister Care Services, American Red Cross, Harvest Hope, Family Shelter,
Camp Kemo, Oliver Gospel Mission, Cooperative Ministry, Federation Center of the Blind, Women's Shelter,
Washington St. United Methodist Soup Kitchen, Habitat for Humanity, Make A Wish Foundation,
Five Points Wheel Transportation, Harbison Wheel for Transportation, Christ Central Ministries and Glen Forest School.
PUT Y9Uk |U>lbf>> lb Fk9bT 9F 0,000 Yl>lT9k> AT
9lUb|lA'> kffK f>TlYAl
>fPTfb|fk 1z~1, 2011
251-2544 (Harden Street)
781-2161 (Irmo)
Fruit on a stick is FUN!
(Dont tell the employees that it's healthy, too.)
Make a presentation
thats sure to impress.
If you want a build a productive team,
start by building a group of friends.
And let us get things started
Call Edible Arrangements today and
we'll set you up with a monthly/weekly
plan that includes deep discounts. First
arrangement, in fact, is on the house for
the first five businesses to call.
$5 OFF ANY ORDER!
Just mention coupon code MIBT2011.
JULY 2011 BUSINESS TRENDS 3
JULY 5, 12, 19 & 26
ROTARY CLUB
OF CAYCE-WEST COLUMBIA
Time: 1 p.m.
Location: Brookland Baptist Con-
vention Center
Contact: Club President Carolyn
Lykes at 667-2532, or visit
caycewestcolumbiarotary.com
JULY 5 & 19
KIWANIS CLUB
OF LEXINGTON
Time: 7:30 a.m.
Location: OCharleys Restaurant
Contact: Gina at 359-7644, or visit
www.lexingtonkiwanisclub.com
JULY 6, 13, 20, & 27
CAPITOL CITY
SALES EXCHANGE
Time: 11:30 a.m. to 12:30 p.m.
Location: Grecian Gardens, 2312
Sunset Blvd., West Columbia
Contact: Tom Hooker at 960-2800
JULY 11 & 25
CAYCE-WEST
COLUMBIA JAYCEES
Time: 6:30 p.m.
Location: CWC Jaycee Hut, 1153 Wal-
ter Price St., Cayce
Contact: 409-9139 or visit
www.cwcjaycees.org
JULY 12
LEXINGTON CHAMBER
BREAKFAST MEETING
Time: 7:30 a.m.
Location: The Country Club of Lex-
ington, 1066 Barr Road
Cost: $7
Contact: 359-6113
JULY 14
SOUTHERN PATRIOT
PURPLE MARTIN CRUISE
Time: 6:30 to 10 p.m.
Location: 1600 Marina Road, Irmo
Cost: $25 per person, includes two
drinks
Contact: Call 749-9355
JULY 15
LAKE MURRAY LIONS CLUB
Time: Noon
Location: Flight Deck Restaurant,
Lexington
Contact: Gary Deese at 808-5993
JULY 18
LEXINGTON SERTOMA CLUB
Time: 6:30 p.m.
Location: Flight Deck Restaurant,
Lexington
Contact: Matt Quinton at 260-7178
or www.lexingtonsertomaclub.org
JULY 19
CHAPIN CHAMBER
MEMBERS BREAKFAST
Time: 7:30 a.m.
Location: Mt. Horeb Lutheran
Church, 101 E. Boundary St., Chapin
Cost: $5 for members. $10 non-
members.
Contact: Call 345-1100 or e-mail
laura@chapinchamber.com
JULY 19
WEST METRO CHAMBER
BUSINESS AFTER HOURS
Time: 5:30 to 7 p.m.
Location: Agape Senior Assisted
Living, 2705 Leaphart Road, West
Columbia
Contact: 794-6504
JULY 19
SC GOOGLE TECHNOLOGY
USERS GROUP
Time: 6 to 9 p.m.
Location: IT-oLogy, Tower at 1301
Gervais
Contact: Steve Hodges at 399-0008
or steve@scgtug.org, or visit
scgtug-biztrends.eventbrite.com.
JULY 20
CHAPIN CHAMBER
TOUR OF VC SUMMER
NUCLEAR STATION
Time: 9:30 a.m.
Location: V.C. Summer Nuclear Sta-
tion
Contact: Reservations required. Call
345-1100 or send an e-mail to
laura@chapinchamber.com
JULY 20
GREATER IRMO CHAMBER
MONTHLY LUNCHEON
Time: 11:45 a.m. to 1 p.m.
Location: St. Andrews Presbyterian
Church, 6952 St. Andrews Road,
Irmo
Contact: 749-9355
JULY 26
WEST METRO
CHAMBER BREAKFAST
BUSINESS EXPO
Time: 7 to 10 a.m.
Location: Glenforest School, 1041
Harbor Drive, West Columbia
Contact: 794-6504
business Calendar
803-781-7017
Wayne Fields is the President/
CEO of Oliver Gospel Mission. As a
writer, his published work includes
the Reality Living Devotional Guide
series. He can be contacted to speak
to your group through Beth at
bwell@olivergm.com.
The oldest members of the
Baby Boomer generation reach
the age of 65 this year. This gener-
ation, born 1946-1965, comprises
about 70% of the American work-
force. Though many in this group,
due to the combination of eco-
nomic and improved health fac-
tors, plan on working past the
normal retirement age, the reality
of a workforce and leadership
void will exist. An associated real-
ity is that this void will be filled by
members of the next two genera-
tions, referred to as Generations
X (1965-80) and Generations Y
(1981-94). Baby Boomers can ig-
nore these realities and operate
with a business as usual attitude
until we depart from the work-
force and collect Social Security
(or whatever remains of it), or we
can take steps to prepare younger
people for the challenges ahead.
We can operate with a short-term
focus, viewing them as threats
and necessary evils to be tolerated
until we are off the scene, or we
can demonstrate foresight by in-
vesting time and other resources
into their development. This is
the challenge facing many of us
in leadership roles the next few
years. If we choose the self-cen-
tered response, we will miss out
on a great opportunity to influ-
ence our replacements, and our
organizations may suffer the ef-
fects of an ill-equipped core of
new leaders. If, on the other hand,
we choose the latter course of ac-
tion, what I refer to as the legacy
approach, what are some ways
that we can effectively prepare the
younger generations of leaders?
To begin with, we need to recog-
nize and appreciate what they
uniquely bring to the workplace,
such as their technological savvy,
especially with social needs
media. While there needs to be
policies to regulate its use, some
latitude needs to be given for the
text messaging crowd with
greater emphasis being put on job
accomplishment than on commu-
nication techniques. Another
thing that we can do is to try to
make the work environment more
fun. For example, I have set up a
putting toy in the conference
room. It is amazing how often
scheduled meetings begin with
putting contests. Periodically, I
even get beatbut not too often
ha! Another way to do this is to
make staff meetings more fun.
Once we did a scavenger hunt,
which by the way, was organized
by our two youngest team mem-
bers. Relationships help to keep
Xers and Yers in the work place,
so invest time in this manner. Re-
lated to this, I have found that they
are hungry for mentoring from
those who have traveled the lead-
ership journey longer and further
than they have. With this in mind,
I put a high priority on developing
this important group of people. If
you are a part of the Boomer gen-
eration, are you seeking to leave a
legacy in your involvement with
the next generation? On the other
hand, if you are a member of
Generation X or Y, are you taking
advantage of the opportunity to
glean from those who have trav-
eled further than you? May we all
view this period of time as a
tremendous window for genera-
tional leadership growth!
Complete Dinner for S2.05
No one should go hungry, especially when it costs so lit-
tle to serve a complete meal to a hungry and homeless
person. And a hot meal is often the first step in dealing
with the problems of the homeless. So please help feed
and care for our hungry and homeless neighbors.
YES, I want to help feed the hungry and homeless.
Advertisement

Next Generation Leadership

By Wayne Fields, President/CEO
Oliver Gospel Mission
Drop us a line
Email: news@midlandsbiztrends.com
HOW TO REACH US
803-929-3563 fax: 803-771-0138
WHOM TO ASK FOR
Advertising: Lindsey Johns, Marketing Consultant
News/Editorial: Tim Ronaldson, Associate Publisher
ON THE WEB
www.midlandsbiztrends.com
EMAIL DIRECTORY
newsroom: news@midlandsbiztrends.com
advertising: advertising@midlandsbiztrends.com
publisher: publisher@midlandsbiztrends.com
SUBSCRIPTIONS
Business Trends is mailed each month to the business and
community leaders of Lexington and Richland counties. If you
would like to receive the paper, but are not currently on our
mailing list, you can request to be added to the mailing list by
emailing your name, title, company, address, phone, fax and
email address to news@midlandsbiztrends.com.
NEWS IDEAS
Business Trends has limited resources to send photographers to
events, so the best way to seek coverage is by sending us your
news release and photos to the attention of Tim Ronaldson at
the below address, or to news@midlandsbiztrends.com.
Business Trends is published monthly by Elauwit Media,
LLC, 3518 Medical Drive, Columbia, SC 29203
Monthly Update
Historic Columbia Found.
recognizes Studio 2LR
Studio 2LR, an architecture and in-
terior design firm with an emphasis
on sustainable contemporary design,
recently earned recognition from His-
toric Columbia Foundation for the
firms work on adaptive use of a
mixed-use development at 601 Gervais
Street and 1218 Pulaski St.
Tripp Riley, AIA, vice president of
Studio 2LR, accepted the award, where
Historic Columbia Foundation recog-
nized local preservation projects that
epitomize efforts to maintain and add
to the historically, architecturally, and
culturally significant buildings, neigh-
borhoods and landscapes in Columbia
and Richland County.
Studio 2LR joined with the proper-
tys owner and developer to transform
the corner at the intersection of Ger-
vais and Pulaski streets to a mixed-use
development with one existing build-
ing, a new building and courtyard
space between.
Snelling Staffings Columbia
office celebrates 60th
Last month, Snellings Columbia of-
fice celebrates the national staffing
services firms 60th anniversary.
Known since 1951 for family values
and exemplary customer service,
Snelling connects the best employers
in a variety of industries and at vari-
ous levels of experience to the best
employees, including temporary,
temp-to-hire and direct hires.
Based on a philosophy of helping
people, husband-and-wife founders
Gwendolyn and Louis Snelling opened
Snellings first office in 1951 in a tiny
office on Market Street in Philadel-
phia. Within two years, Snelling be-
came a family-run operation with
their children, Bob (a former Snelling
chairman) and Ray, and eventually
three generations of Snellings joined
in the family business. With a true en-
trepreneurial spirit, Snelling in 1955
made its first franchise sale and has
continued to blossom to more than 100
franchises and company-owned loca-
tions nationwide. In 2005, Patriarch
Partners purchased the business and
continued the tradition. Together, the
Snelling family, Patriarch and hun-
dreds of franchisees and dedicated
employees have made the business
what it is today.
Asheley Scott starts new
firm, 1x1 Design Inc.
Asheley Scott has announced the
launch of 1x1 Design Inc., a full serv-
ice architectural design firm located
in Columbia. The firm will provide de-
sign and planning services for a range
of residential and commercial clients,
focusing on innovative design and de-
livery services, strong client relation-
ships and an emphasis on the develop-
ment of the professionals it employs.
Scott received a Bachelor of Arts
degree in design from Clemson Uni-
versity and a Masters of architecture
from the Georgia Institute of Technol-
ogy. She has been a design and project
team member for a wide variety of
clients, from international mixed-use
developments to interior renovations
and tenant up-fits. She is a registered
architect in South Carolina and a
LEED accredited professional through
the United States Green Building
Council.
Currently, Scott serves as president
of the Greater Columbia section of
the American Institute of Architects.
She is also president-elect of the Con-
temporaries of the Columbia Museum
of Art, a board member of the Colum-
bia Development Corporation and
serves on committees for the Colum-
bia Museum of Art and Historic Co-
lumbia Foundation. A Leadership Co-
lumbia Class of 2009 graduate, she is
also a member of the 2011 20 Under
40 class, a recognition by The State
Media Company for young profession-
als in the Midlands of South Carolina.
McKay firm selected as
recommended agency
McKay, Cauthen, Settana & Stubley,
P.A. has been selected for the 2012 Edi-
tion of the Recommended Insurance
Attorney Directory published by A.M.
Best Company Inc. The directory is
comprised of selected and client-rec-
ommended attorneys from each state
that are considered to be uniquely
qualified to handle insurance indus-
try needs.
4 BUSINESS TRENDS JULY 2011
Drop us a line
Email: news@midlandsbiztrends.com
Phone: 803-929-3563
Mail: 3518 Medical Drive,
Columbia, SC 29203
WOMEN IN BUSINESS Sponsored by VISTABANK
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6 BUSINESS TRENDS JULY 2011
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SALES ASSOCIATES
Coldwell Banker United Realtors
Coldwell Banker United Real-
tors announced that it has added
two new sales associates in the
Midlands offices. Bob Duker has
joined the Chapin office, and Sil-
via Holliday has joined the
Sumter office.
BRIAN COMER
Collins & Lacy, P.C.
Collins & Lacy, P.C. announced
Brian Comer has been selected to
serve as vice chair of the Agricul-
tural, Construction, Mining and
Industrial Equipment Specialized
Litigation Group within the Prod-
ucts Liability Committee in the
Defense Research Institute.
Comer is of counsel to Collins
& Lacy, and is the products liabili-
ty practice group chair for the
firm. He practices in the areas of
products liability and profession-
al liability. His practice focus in-
cludes the defense of product
manufacturers and distributors
in claims arising from product de-
fect. Comer presently serves as
co-chair of the Products Liability
Substantive Law Committee for
the South Carolina Defense Trial
Attorneys Association. He also is
the founder and contributing au-
thor of The South Carolina
Products Liability Law blog,
which provides current informa-
tion on trends in products liabili-
ty law in South Carolina for indi-
viduals and product manufactur-
ers.
In addition to receiving his
Juris Doctor and his Internation-
al Masters in Business Adminis-
tration from the University of
South Carolina, Comer is a
magna cum laude graduate of the
University of South Carolina
Honors College in international
studies and economics, having
served as student body president
during his undergraduate career.
JAY COURIE
McAngus Goudelock & Courie
McAngus Goudelock &
Couries Managing Member Jay
Courie has been re-elected to
serve as the chairman of the
Hammond Schools Board of
Trustees for a two-year term.
Located in Columbia, Ham-
mond School is the largest inde-
pendent school in South Carolina.
The school enrolls students from
pre-kindergarten through grade
12. Courie is a founding member
and the managing member of
McAngus Goudelock & Courie,
LLC. He represents businesses,
professional associations and in-
dividuals in a variety of matters
including contract negotiations,
employment matters, finance and
insurance issues, governmental
relations, procurement, business
development and strategic plan-
ning.
ROBYN FISHER
Studio 2LR
Studio 2LR, an architecture
and interior design firm with an
emphasis on sustainable contem-
porary design located in Colum-
bias Vista, welcomed Robyn Fish-
er to the studio.
on the job
please see JOBS, page 10
JULY 2011 BUSINESS TRENDS 7
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FI VE POINTS
now expired, but Cooper said the
SBA is still averaging steady
growth.
Through June 22, the SBA has
completed 277 loan guarantees for
a total of about $150 million, num-
bers that are better than last year
through the same time period.
While Cooper said that about one-
third of the South Carolina of-
fices loans come from the six
coastal counties, the trend
statewide, regionwide and nation-
wide is looking good. On average,
the SBA does about 1,100 loan
guarantees at a value of about $63
million per week.
Generally, were back to
where we were prior to the reces-
sion, he said.
Through various programs
and initiatives, the SBA guaran-
tees loans to small businesses,
which must have 500 employees
or fewer to qualify. A business
seeking to borrow money applies
at a financial institution, which
then sends the loan to the SBA,
which then guarantees up to 75
percent of the total amount,
Cooper said.
While the South Carolina dis-
trict used to process the small
business loans through its Co-
lumbia office, its role now is to
market its products to banks and
educate the public on the pro-
grams it offers. Most businesses
that fail do so because the owners
dont understand the business
part of the company, Cooper said.
The educational aspect is han-
dled with the aid of SCORE vol-
unteers and the Small Business
Development Center network.
The SCORE program includes
roughly 260 volunteers statewide,
run primarily through local
chambers of commerce, while the
SBDC network is a consortium
run by the deans of business at
the University of South Carolina,
Clemson University and
Winthrop University.
Educational services include
not just information on SBA
loans but also on business struc-
ture, tax implications, start-up
tips, obtaining licenses and per-
mits, loan procurement and doing
business with the government.
The latter category is a focus for
Coopers office, which helps small
businesses provide services to the
federal government. While the
federal stimulus funding has al-
ready been awarded, the govern-
ment is still in a spending mode,
as it has to utilize the money its
been given.
The SBA judges itself based
not only on the total number of
loans and amount of money guar-
anteed, but the number of busi-
nesses it is able to help. With the
creation of the Small Business
Jobs Act of 2010, the SBA was
able to expand its Microloan Pro-
gram, which provides small,
short-term loans to small busi-
ness concerns and certain types
of not-for-profit child-care cen-
ters.
Through the program, the SBA
makes funds available to specially
designated intermediary
lenders nonprofit community-
based organizations with experi-
ence in lending as well as man-
agement and technical assis-
tance who then make loans to el-
igible borrowers.
Cooper said his office is also
working on an internal project to
improve programs focused on
lines of credit, which he believes
is one of the biggest areas of need
for small business financing
today.
I think everybody is still cau-
tious, he said, but there seems
to be a trend to get back into the
lending arena.
Lending trends upward
LENDING
Continued from page 1
Drop us a line
Email: news@midlandsbiztrends.com Mail: 3518 Medical Drive, Columbia, SC 29203
By ANN ELLIOTT
Many business owners operate
without written procedures,
guidelines, systems or checklists.
Not only is this inefficient, it is an
invitation for chaos. Preventable
confusion squanders valuable
time. It zaps your mental energy.
Some people feel that structure
stifles their creativity and spon-
taneity. Too much micro-struc-
ture like micro managing can be
counter-productive.
In the high-risk construction
industry, checklists help lower
the risk. A large construction
company that I worked with rou-
tinely hires graduates of design,
architecture and construction
from Auburn University. With six
new employees, they recognized
the value of standard operating
procedures from bidding through
punch-out, billing and collection.
With written checklists and
procedures, they run projects
smoothly and minimize fire fight-
ing. Anyone can look at the mas-
ter file to determine the project
status. When projects finish on
time, they eliminate penalties
and clients are satisfied. They can
accurately forecast profits before
the project is over. This keeps the
bonding company happy.
The solution is simple. Regard-
less of the size of your business,
look at all areas. With the help of
your people, create the appropri-
ate guidelines and checklists in
each area.
Checklists can be valuable per-
sonally, too. Consider a travel
checklist. Packing is easier. Cer-
tain that you have everything you
need for a productive trip, you
can focus on the business at hand.
No more turning around to re-
trieve a forgotten file. Checklists
replace stress with confidence.
Create guidelines or checklists
with these points in mind:
1.) Put them in writing and eas-
ily available.
2.) Keep them simple.
3.) Allow latitude for creativity
within the guidelines.
4.) Use them as a training tool
for new hires and new role assign-
ments.
5.) Hold people accountable to
the procedures.
6.) Measure results and change
the procedures that are not pro-
ducing the results you want.
7.) Review and revise regularly
with dates of the revisions.
The structure allows more cre-
ativity rather than less. It frees
your mental energy. Use a simple
checklist or system to handle
basic issues so that people have
more time to think about the non-
basic ones. This positions you to
take advantage of unexpected op-
portunities. The time you save
and the efficiencies you create
will pay for your effort many
times over.
Ann Elliott, leadership expert, is
founder of The Berkana Company, a
business coaching company. Contact
her at (803) 254-0193 or online at
www.berkanacompany.com.
8 BUSINESS TRENDS JULY 2011
Oheck out some demos at
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FOLLOW THE LEADER
Use a checklist
Drop us a line
Email: news@midlandsbiztrends.com
Mail: 3518 Medical Drive, Columbia, SC 29203
JULY 2011 BUSINESS TRENDS 9
RUSSELL CANN Chairman of the Board
DAN McDONOUGH, JR. Co-Chairman and Chief Executive
MICHAEL LaCOUNT, Ph.D. Vice Chairman
www.elauwit.com
No new jobs
Is this good or bad?
M
ays employment statistics, released in early June,
showed not much of a change, month-over-month,
which has followed recent trends for the last few re-
ports from the Bureau of Labor Statistics.
The national unemployment rate of 9.1 percent and the total
number of unemployed workers (13.9 million) hardly changed
from Aprils numbers. Neither did the unemployment rate for
the major worker groups: adult men (8.9 percent), adult women
(8), teens (24.2), whites (8), blacks (16.2) and Hispanics (11.9).
Is this good or bad, though?
On the good hand, at least were not losing more jobs. At least
more people arent becoming unemployed. At least the stats
arent predicting another dip in the economy.
On the bad hand, how come more jobs arent being created?
Isnt everyone saying that the economy is getting better? Arent
more businesses borrowing money, spending money and ex-
panding? Whats the deal?
Were at least a little concerned, if for no other reason than
business leaders seem to be saying one thing but acting the op-
posite way.
Business outlook surveys across the country youre bound
to find one by hitting the Internet show that decision makers
have a positive outlook for the economy as a whole, and that
they dont believe were in for a Double Dip recession.
These surveys generally show that business owners believe
their own companies are at least stable, if not growing, and that
unemployment remains one of the biggest obstacles to a full re-
covery.
The disturbing part these same respondents say they have
little to no plans of hiring in the foreseeable future. Its a Catch
22 if ever there has been one.
Change wont come on its own. Change will come only from
action. Change will come only once business owners stop talk-
ing and start doing.
in our opinion
RUSSELL CANN
Publisher
TIM RONALDSON
Associate Publisher
ALAN BAUER
STEVE MILLER
ED LYNES
General Manager & Editor
Executive Vice President
Vice President of Sales
By KEN GASQUE
Recently, a young man and his
assistant came to my door sell-
ing educational materials ma-
terials or processes to help stu-
dents 12th grade down through
elementary to study better and
achieve better grades.
While I was not hostile, I was
not warm and friendly when he
introduced himself. I reacted the
way you react to someone when
they have intruded on your pri-
vacy.
I have difficulty with my hear-
ing and I made him repeat much
of what he had to say. His assis-
tant smiled, I think she thought I
was being difficult. My hearing
didnt faze him, he repeated
questions and did so with a very
pleasant smile.
Then, maybe because of the
consistent smile and positive at-
titude, I decided to be helpful. I
told him that ours was a mature
neighborhood and there were
not many children. I pointed out
a house or two that I thought had
children in high school, however,
I wasnt much help.
After he left, I wondered why I
was guarded and cool to his in-
quiries. It really wasnt an inva-
sion of my privacy; it was an op-
portunity. Why didnt I inquire
about what he was doing and
learn something about market-
ing door-to-door? That has to be
marketings most difficult job
trying to talk to people like me
who look at you suspiciously and
maybe even with some contempt
or hostility.
Door-to-door is one of the old-
est means of sales and distribu-
tion, and its as low tech as it
gets. Why would companies use
this method of sales? Why would
anyone do this? Is it just
teenagers who cant get other
work? Or is it college students
looking for big commissions? It
reminded me of my attempt to
sell Fuller Brush door-to-door
while I was in college. It was
hard work, my territory was
probably not the best and the re-
wards were a long way off. I did-
nt make much money but I
learned a lot. Im sorry to say I
didnt last the summer.
After thinking about it a bit, I
decided to go find this young
man and his apprentice. I drove
around the neighborhood and
came up behind a car with a
Maine license plate definitely
not from around here. He pulled
over to start his next street of
door-to-door canvasing and I
pulled in behind him. He recog-
nized me and smiled big with a
questioning look. His female
companion was a little unsure
and was watching to see what
was going to happen. I suspect
they have never had a non-
prospect or even a prospect
chase them down before.
I re-introduced myself to him.
I told him I was in marketing
and I was really curious about
the effectiveness of his door-to-
door sales effort. He kept the
smile and said in an urban
neighborhood he could find
someone at home and get them
to the door about 30 times a day.
Of the 30 that he talks to, 18 (on a
good day) would let him come in
and show his products. Of the 18
he would close about eight (on a
good day).
That is a 27 percent closing
rateof new customers. How
many sales people do you know
that are closing 27 percent a day?
I asked him if he enjoyed the
work and he said this was his
fifth summer selling this pro-
gram. I suspect he received a
good commission. Then he said
in a most professional manner
he would love to talk more but he
was training the young lady and
they needed to keep moving. I
was impressed. He will do well
in marketing.
Tenacity trumps everything
in marketing. But if you com-
bine tenacity with enthusiasm, a
good product and message, the
results can be fantastic.
I am not recommending door-
to-door as a good marketing
strategy. But in this time of so-
cial media and Internet market-
ing, it did serve to remind me we
need to go back to basics every
now and then because there
maybe some things we could
find to improve our marketing
efforts.
As I pulled away, I saw him
and the apprentice running to
the next house. You have to
knock on a lot of doors to get 30
people to answer.
Tenacity is also a key to mak-
ing advertising effective.
Ken Gasque is president of Gasque
Marketing and Advertising a brand
development and marketing plan-
ning company in West Columbia. He
can be reached at
ken@gasque.com.
MARKETING MATTERS
Door to door
EDITORIAL
10 BUSINESS TRENDS JULY 2011
By JON ROBERTSON
When my children were very
young, our family was on vaca-
tion at the beach with friends. My
friends youngest child Luke was
busy at the waters edge, happily
jumping waves and chasing a
beach ball. In no time at all, Luke
was not within our sight. We
scurried to find him, spotting him
in the distance where he had ob-
viously lost himself in play. When
he realized that he could not see
us, a visibly upset Luke came run-
ning up the beach, and exclaimed
to his mother, Where were you? I
lost myself !
Are you afraid of losing your
identity yourself ? When iden-
tity theft occurs, we often feel as
though we have lost ourselves.
Just like Luke, we wonder how
this could have happened. Ac-
cording to Lifelock, an identity
protection agency, more than 8
million Americans became vic-
tims of identity theft in 2010.
South Carolina is ranked 29th na-
tionally for identity theft com-
plaints, with 2,726 in 2009. The top
three types of identity theft in-
volve government documents or
benefits fraud, phone or utilities
fraud, and credit card fraud.
Identity thieves can steal all
your personal information or just
bits of it to create a new persona.
The most wanted information is
your name, address and phone
number, date of birth, Social Se-
curity number, drivers license
number and your mothers maid-
en name. Credit card and debit
card information are the most
wanted list of identity informa-
tion. Identity thieves want your
card information, including ac-
count number, expiration date,
PIN, CVV2 or CID number.
Many of us have read about or
experienced mail fraud, mail
theft, dumpster diving for person-
al information or a stolen wallet.
But how many of us are con-
cerned about the safety of online
shopping security and/or com-
puter file sharing? The newest
identity theft techniques are
Phishing (e-mail impersonators),
SMSishing (text messages to your
mobile device) and Vishing (voice
calls to your home or mobile
phone).
How can we protect ourselves
from losing ourselves, our identi-
ty? Experts suggest some com-
mon sense, yet effective, tech-
niques:
n Monitor your credit report,
which contains your Social Secu-
rity number and a listing of your
accounts. You are entitled to a
free report each year from the
three credit reporting agencies.
Be sure to review reports from
each agency to ensure accuracy.
You may want to consider having
your credit reports placed on
fraud alert or credit freeze. This
will make it more difficult to steal
your identity, but will also make it
more difficult for you to quickly
obtain credit.
n Cancel any unused credit
card accounts, and be sure to re-
view your monthly statements
thoroughly for any unauthorized
activity.
n Be careful with your Social
Security number. Never have it
printed on your checks and ask
on any applications that your So-
cial Security number be truncat-
ed so that your whole Social Secu-
rity number is not visible. Do not
keep your Social Security card or
number in your wallet. Keep any
government identification cards
locked up.
n Shred your documents.
Shred old checks, junk mail, cred-
it card bank statements and any
other financial records.
n Stop your mail at the post of-
fice or have a neighbor pick up
your mail when you are leaving
your home for an extended period
of time.
n Be sure to shop smart when
shopping online. Look for the se-
curity seal (the image of a pad-
lock), or https in the Web ad-
dress of the site you are using.
This seal protects your personal
information from being disclosed
and helps stop you from being
Phished. Also be careful when
using a public or shared comput-
er.
nChange your passwords often
and when creating new pass-
words use numbers, symbols and
uppercase letters.
n Do not give out private infor-
mation unless you are the person
who initiated contact.
Because identity theft inci-
dences are on the rise, commer-
cial identity theft protection serv-
ices have evolved from a growing
concern and demand from con-
sumers. Professional identity
theft protection insurance servic-
es have become available in many
countries. These companies pro-
tect individuals from identity
theft and help detect whether a
breach has occurred for a month-
ly or annual fee. If you subscribe
to a commercial identity theft
protection agency, as part of their
contract, these agencies promise
to help protect you as well as help
resolve and restore your credit.
Several nationally known identi-
ty theft protection agencies offer
protections plans for individuals
and business, some for as little as
$10 a month per individual.
Dont be like Luke and lose
yourself ! Pay attention to your
surroundings, your financial ac-
counts, your confidential infor-
mation and/or enroll in one of
the identity theft protection agen-
cies. Identity theft is a risk all of
us should plan to manage before
it happens.
Jon Robertson is with Abacus Plan-
ning Group in Columbia. He can be
reached at 933-0054.
1006 12th Street Cayce, SC 29033
(803) 794-6504
westmetrochamber@gmail.com
www.westmetrochamber.com
Serving Cayce, Gaston, Pine Ridge, South Congaree,
Springdale, Swansea and West Columbia
July Business Breakfast Expo
Not just your ordinary breakfast!
Tuesday, July 26th * 7:30am - 10:00am
Glenforest School
1041 Harbor Drive in West Columbia
We will have over 40 local businesses on hand to showcase their
services. Door Prizes throughout the Expo and is open to the General
Public (admission FREE with business card). Carolina 92.1 FM Morning
Personality TIM MILLER will be emceeing.
Visit www.facebook.com/westmetro or call (803) 794-6404 for details!
SMART COLUMN
Prevent losing yourself
Visit us on the Web at www.columbia.sunne.ws
A native of Columbia, Fisher
graduated from Clemson Univer-
sity in 2006 with a Bachelor of ar-
chitecture with a minor in fine
arts and in 2010 graduated with a
Master of architecture from
North Carolina State University.
Fisher studied at the Charles E.
Daniel Center for Building Re-
search and Urban Studies in
Genoa, Italy in 2004.
Fisher is an associate member
with the American Institute of
Architects and is a board member
for the AIAs Greater Columbia
Section. She also obtained her
LEED (Leadership in Environ-
mental and Energy Design)
Green Associate designation in
2009 and is currently pursuing
her architectural license by tak-
ing the Architectural Registra-
tion Exam.
APPOINTEES
McKay, Cauthen, Settana & Stubley
McKay, Cauthen, Settana &
Stubley, P.A. announced that Pub-
lic Affairs Director Ashley S.
Hunter has been selected to serve
on the Communications & Public
Relations Committee for the
South Carolina Chamber of Com-
merce. Hunter, a government af-
fairs executive for the past nine
years, serves as the information
liaison between McKay clients,
members of the media and the
various branches of state and
local government.
Marcy J. Lamar, a member of
the McKay Firm workers com-
pensation team, has also been se-
lected to serve on the 2012 Med-
ical Seminar Committee for the
South Carolina Workers Com-
pensation Educational Associa-
tion.
Lamar practices in the areas of
workers compensation defense,
workers compensation appeals,
subrogation, and civil defense liti-
gation. In 2010 and 2011, she was
selected by her peers for inclu-
sion in Best Lawyers in America,
in the field of workers compensa-
tion defense litigation. In addi-
tion, The McKay Firm was in-
ducted into 2011 Inaugural Edi-
tion of the Best Law Firms in
America in the field of workers
compensation defense.
OFFICERS
Midlands Technical
College Commission
Christopher M. Joye has been
elected chair of the Midlands
Technical College Commission.
Joye has served on the MTC Com-
mission since 2003 and represents
Lexington County. The MTC
Commission, the colleges board
of trustees, is comprised of 12
community leaders who are ap-
On the Job
JOBS
Continued from page 6
please see JOBS, page 11
JULY 2011 BUSINESS TRENDS 11
To see if you qualify, call to schedule an appointment With an academic advisor today.
Call Webster University at 803-699-0900. At Webster University it is about more than
convenience, we are dedicated to academic excellence and innovation in higher education.
Whats stopping you?
Pick up the phone give us call today 803-699-0900 or visit us at www.webster.edu/columbia
8911 Farrow Road, Suite 101 Columbia, SC 29203
Do you need to complete your undergraduate degree? Can you spare four hours a week to advance your education?
Because we understand the importance of convenience when it comes to busy adults like yourself with life demands that pull you in many directions.
We have a program just right for you.
Beginning Summer 2011 Webster University will offer daytime classes. Students will attend class one day a week .
Day classes will begin Summer 2011, Monday-Thursday, 1:00p.m.- 5:00p.m.
To be eligible, prospective students must have a minimum of 64 college credit hours from a regionally accredited college or university.
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Visit us on the Web at www.columbia.sunne.ws
pointed by the governor upon the
recommendation of their respec-
tive legislative delegations. Mid-
lands Technical College enrolls
more than 18,000 credit students
annually.
Joye is the principal of the
Joye Technology Group. He is the
past president of the Lake Mur-
ray/Irmo Rotary Club and former
board member of Irmo Little
League. Joye earned his bache-
lors degree from Clemson Uni-
versity and an MBA from the Uni-
versity of North Carolina at
Greensboro.
Other officers elected by the
Midlands Technical College Com-
mission are: Vice Chair Randall
(Mack) Jackson, Richland Coun-
ty; Secretary Robert P. Wilkins Jr.,
Lexington County; and Treasurer
George P. (Garry) Powers, Rich-
land County.
NEW EMPLOYEES
Rogers Townsend & Thomas, P.C.
Rex L. Casterline and Gary A.
Pickren, both experienced attor-
neys in real estate matters, busi-
ness counseling and litigation,
have joined Rogers Townsend &
Thomas, PC. Both will be head-
quartered in the firms Columbia
office.
Casterline, a native of subur-
ban Washington, D.C., is a cum
laude graduate of Lenoir-Ryhne
University and the South Caroli-
na School of Law.
Hes affiliated with the Central
Carolina Realtors Association,
the Home Builders Association of
Greater Columbia, the Sales and
Marketing Council of Greater Co-
lumbia and the Mortgage
Bankers Association of Greater
Columbia.
Pickren is a graduate of Wof-
ford College and Cumberland
School of Law at Samford Univer-
sity, where he was a member of
the Cumberland Law Review and
a Cordell Hull Teaching Assis-
tant.
He is licensed by the Depart-
ment of Labor, License and Regu-
lation as a continuing education
instructor for real estate agents
and as a real estate broker.
Pickren is also a member of
the Sales and Marketing Counsel
of Greater Columbia, the Home
Builders Association and the Co-
lumbia Mortgage Bankers Asso-
ciation.
He was recognized recently by
the Central Carolina Association
of Realtors for Excellence in
Serving on Contract Committee.
His practice areas include resi-
dential and commercial real es-
tate, construction law, real prop-
erty litigation, real estate devel-
opment, real estate licensing law,
estate planning and estate pro-
bate.
On the Job
JOBS
Continued from page 10