Business Archive

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New Law addresses credit fees

Few areas of our lives have become as expensive as fees associated with maintaining a credit card. In February, a federal law designed to ease the costly burden of credit cards will take effect.

The Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009 will curb some of the abuses credit card companies have used to separate consumers from their money. The American consumer wins four ways with the new law:

First, your rate for existing balances will no longer be raised just because you’re a few days late with your payment.

Second, the credit card can’t jack up your interest rate if you don’t make your minimum monthly payment within 60 days of the payment due date.

Third, money you pay over the minimum payment will now be used to pay down balances with the highest interest rate.

And fourth, your payment date will always fall on the same date of each month, and it will be at least 25 days from the closing date printed on your statement.

Credit card companies have been making things tough on people who carry balances on their credit cards, and have been making it very hard to get out of debt. We all know how hard it is to pay off a credit card, and many people who have them carry balances on more than one card.

The CARD Act of 2009 is one of the good things to come out of Washington, and we applaud this step to help Americans dig themselves out of debt. Now, if only the government would do something to get itself out of debt …

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Without Insurance Albany GA skate park is padlocked

The City of Albany allowed a businessman to operate the $500,000 taxpayer-owned skateboard park for $1 a year without a lease or liability insurance, public records show.

Assistant City Manager James Taylor told the Albany-Dougherty Inner City Authority last week that the city padlocked the skateboard park on the Flint River’s east bank last week upon learning that there was neither a lease nor the requisite insurance coverage the park.

Taylor and his boss, City Manager Alfred Lott, refused to answer questions about the snafu, which exposed taxpayers to liability from injuries that occur at the park, which is named Riverskate.

A $1-a-year lease was drafted but never executed, public records show.

Riverskate operator Thomas Hale, who formerly operated the concessions for the South Georgia Wildcats arena football team, did not return the Journal’s telephone call and electronic message Monday or Tuesday. Hale moved last summer to Russellville, Ark., where he operates a another skateboard park.

The city closed the park last week; a sign at the park says it will reopen Jan. 15. Meanwhile, public records show that efforts are under way to get a lease with Hale executed.

Lott did not acknowledge an e-mail asking the following questions:

  • Why was the park operational without an executed lease and liability insurance?
  • How much liability insurance is the leaseholder required to have?
  • How did you find out that there was no executed lease or liability insurance?
  • When do you expect the park to reopen?

Through Lott’s non-response to public records requests, the city manager claims that there have been no letters or e-mails sent between the city and Hale, or any reports generated on the topic by his staff. If such records have been generated, the city is violation of state open records regulations that require the public’s business to be conducted in the sunshine.

The recreation facility at College Drive and East Oglethorpe Boulevard was funded with by 1-cent sales tax funds in Dougherty County and touted by Albany Tomorrow, Inc. as an ingredient of downtown redevelopment. Before the facility was built, then-city commissioner Bo Dorough argued that too much money and not enough planning went into Riverskate – and that it wasn’t part of the downtown revitalization master plan.

Former Albany Tomorrow CEO Tommy Chatmon defended the park as filling a small niche, but he also said that the park was the product of elected officials’ political desires rather than good business sense.

Riverskate was originally operated by Kevin Jones, who transferred his business interests to Hale.

Upon opening, the skateboard park was billed as being a regional facility that would draw customers from as far away as North Florida and Southeast Alabama. “Riverskate will complement other downtown events and venues in order to draw revenue, but more importantly to increase the quality of life for the people of Southwest Georgia,” according to Jones’ business plan. “The park will be a great addition in making downtown Albany the prime entertainment destination in the area.”

In return for Jones’ $1 annual rental payment and startup capital of about $10,000, the City was to receive a recreational outlet for its citizens, utility revenue and free maintenance of the grounds and park fixtures, according to public records.

Tags: Business
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Girls Inc. awarded

Girls Inc. members (left to right) Destiny Holmes, Destiny Davis and Jada Cowart work to
build their robot – Electra Girl – in preparation for the national Robotics Challenge next month.


Girls Inc. Albany gained national recognition this week when it was named Affiliate of the Year for the second year in a row.

Staff, board members and Girls Inc. members were on hand for the announcement Monday afternoon. The award follows an intense application process and judging by a non-Girls Inc. panel, said LaKisha Bryant, executive director.

“This is a very big deal because it’s such a competitive process,” said Bryant. Affiliates are judged on categories including trustee involvement and governance, advocacy and programming.

“We work hard every day to implement programming for the girls, but the board makes sure we have what we need to do that,” said Bryant.

While all Girls Inc. affiliates operate under the same quality standards set by the organization, individual affiliates are charged with providing programming and having impact on the communities in which they operate.

Last year Girls Inc. Albany served about 2,300 girls in Dougherty and Terrell counties in summer, afterschool and outreach programs. During the afterschool program, the girls rotate through classes that focus on science, math, technology, economic and financial literacy, health and sexuality, sports skills, leadership and advocacy and character building.

“This is the best of behavior change, role modeling and benchmark setting when it comes to the lives of these girls in Dougherty and Terrell Counties,” said Karen Wakeford, board member and past president.

Girls Inc. serves girls ages 7 to 18. Those who attend the afterschool program in Albany may qualify for transportation. Fees for the five-day program are about $15 per week per girl. Currently, the two Albany centers serve about 125 girls, while another 65 girls attend Girls Inc. programming offered in Terrell County about four times each month.

“The staff here works ever so hard and are committed to making a difference in the lives of these young ladies,” said Wendy Wilson, board president. “To be recognized for the second year in a row speaks volumes about this affiliate.”

The “Be a Friend” campaign encourages donors to financially support girls enrolled in Girls Inc. Albany. While any donation amount is accepted, Bryant estimates the cost per girl to be about $500 per year.

Girls Inc.is a nonprofit organization that inspires girls to be strong, smart and bold. Girls Inc. has responded to the changing needs of girls through research-based programs and public education efforts that empower girls to understand, value and assert their rights. Girls Inc. Albany began serving girls in Southwest Georgia in 1974.

K.K. Snyder is a freelance writer and editor based in the Albany area. With over 20 years
in the industry, she writes for a number of magazines and newspapers around the country and
has published hundreds of articles, with topics ranging from travel and real estate to art
and personality profiles. In addition, she is the author of Frommer’s Atlanta travel guidebook,
which she rewrites every two years.

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Albanians Eat More Chicken

catch phrase at Albany’s Chic-Fil-A drive thru. Then again, this isn’t your typical fast food restaurant. Here, patrons are more likely to hear, “See you tomorrow!”

Happy customers are return customers and that’s exactly what has put the Albany store in the top three across the nation in terms of cost efficiency and profitability. In fact, in recent years the store ranked number one three years in a row for those accomplishments.

Owned by K.J. and Anna Wari, who purchased the store in 2002 from former operators, the Chic-Fil-A drive thru location on Dawson Road holds holds that number three ranking among 1,471 locations across the country.

“When we compare our store with others, we can’t compare customer service. But we (earned top ranking) through customer service. Our customer service kept people coming back and made us shine,” said K.J. Wari, whose children, Sara and Jason, also work in the family business.

The business’s success is attributed to the 47 employees trained under the biblical-based principals of the Chic-Fil-A corporation, of which the Wari’s are huge fans. On average, they hire one person for every 10 interviewed, taking extreme care to ensure whomever they add to the team will be a good fit.

Having well-trained, happy employees is key to the overall success of this corporation, which offers two levels of college scholarships to loyal employees. The Wari’s take the generosity a step farther and cover the cost of employee’s college textbooks not covered by the HOPE scholarship.

“That’s a way to keep good folks here and have an impact on encouraging them to stay in school,” said Anna Wari.

The drive thru competes for business with about 17 restaurants in a 1-2 mile radius, using top customer service practices to keep customers coming back. Their goals? Good quality food, served quickly, with a smile.

“We are here not to produce chicken sandwiches every day, but to train (employees) and teach them the ethics and values of business,” he added.

K.J. and Anna Wari

The Wari’s report they’ve never had difficulty in finding good employees to hire from the Albany pool, adding that they have the best results with first time workers as they can train them using Chic-Fil-A guidelines and not have to “untrain” habits learned at other jobs.

“This is what K.J. and I thrive on, pouring ourselves into the people,” said Anna Wari. “We don’t believe in giving up on people. Some are more challenged than others and you never know when the light bulb will go off and they will get it.”

In addition to the amount of time they commit to their business, the Wari’s also look for opportunities to penetrate the community and frequently help out organizations, schools and individuals, aiming for one community project per month. And when a school places an order, the Wari’s return 10 percent to the school.

Because they know how crucial good customer service is to the success of a business, the Wari’s offer customer service workshops to other businesses in the area. Lawrence Knighton, who manages sales for the store, says customer service training “is something that is desperately needed in Albany.”

He frequently addresses local groups on the basics of customer service and on other topics, including the interviewing process to teach students what potential employers are looking for in a new hire. In addition, Chic-Fil-A speakers share information about Chic-Fil-A’s core values, company history and general business knowledge through engagements at civic meetings and schools.

“Restaurants and businesses as a whole thrive on customer service,” he said. “I just love (Chic-Fil-A’s) customer service. I think we need businesses to focus more on customer service.”

Anna Wari agrees.

“We’re living proof that people go where they feel welcome and their patronage is valued.”

Written by  K.K. Snyder.

chick3


Tags: Business
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Palmyra bariatric center recognized for ‘excellence’

Patients Kim Barber (from left) and Kendra Wilson chat with Amy Grasman, the Bariatric Institute of Southwest Georgia’s director, on Tuesday at Palmyra Medical Center.

The institute has been named an American Society for Metabolic and Baiatric Surgery Bariatric Surgery of Excellence.

(Photos by Kevin Hogencamp.)


Palmyra Medical Center announced Tuesday that the Bariatric Institute of Southwest Georgia has been named an American Society for Metabolic and Bariatric Surgery (ASMBS) Bariatric Surgery Center of Excellence.

The ASMBS BSCOE designation recognizes surgical programs with a demonstrated track record of favorable outcomes in bariatric surgery. To earn a Bariatric Surgery Center of Excellence designation, the Bariatric Institute underwent an extensive site inspection process during which all aspects of the program’s surgical processes were closely examined and data on health outcomes was collected. The institute’s director is acclaimed physician John Bagnato of Albany.

The Bariatric Institute and other centers receiving the Bariatric Surgery Center of Excellence designation agree to continue to share information on clinical pathways, protocols and outcomes data.

“We established the Bariatric Institute because we saw an increasing prevalence of morbid obesity in our region and the inherent risks involved, and knew there were the  opportunities available to greatly improve the health of this patient population,” said  Amy Grasman, FNP-C, director of the Bariatric Institute. “We recognize the need to implement a systematic approach to improving quality. At the Bariatric Institute we  believe that the ASMBS Bariatric Surgery Centers of Excellence program will serve as a  catalyst, driving strong programs to get even better.”

Dr. Bagnato credits the designation as “a total team effort”.

“A tremendous amount of work was completed by many individuals for the Bariatric Institute to become a Center of Excellence. From the beginning of the program in 2002, our goal has been to help improve the health of this segment of our population,” said Dr. Bagnato. “We have worked to improve the health of our patients and eliminate many of the health risks associated with obesity. In addition, we have been encouraged by the remarkable changes in the quality of life for these individuals.”

According to a report released in 2007 by the Agency for Healthcare Research and Quality, the number of bariatric surgeries has grown from 16,000 procedures performed in 1992 to 170,000 performed in 2005. Faced with clinical evidence that the most experienced and best-run bariatric surgery programs have by far the lowest rates of  complications, the ASMBS Bariatric Surgery Centers of Excellence program was created to recognize bariatric surgery centers that perform well and to help surgeons and hospitals continue to improve the quality and safety of care provided.

Surgical Review Corporation (SRC), an organization dedicated to pursuing surgical excellence, formulates and establishes the rigorous standards with which The Bariatric Institute and other Bariatric Surgery Centers of Excellence must comply, thoroughly inspects and evaluates each candidate for designation, and upon review recommends approval of designation for those physicians and facilities whose practices and outcomes meet the stringent demands set forth by SRC for ASMBS.

Obesity has become a significant national health issue, with the Centers for Disease Control and Prevention (CDC) reporting that 66 percent of all US adults are overweight or obese. Morbid obesity is closely correlated with a number of serious conditions that severely undermine the health of overweight patients, including heart disease, high blood pressure and diabetes.

Bariatric surgery, when performed correctly, can help obese patients manage these conditions. By definition, surgeons with ASMBS Bariatric Surgery Center of Excellence designation practice only top quality care, ensuring efficacy of the procedure with each patient to the best of their abilities. At the Bariatric Institute the team demonstrates this willingness to take the extra step by providing one-on-one, individualized patient care, offering monthly support groups with a wide variety of topics and providing extensive pre-operative and post-operative teaching to all patients to improve outcomes and overall success.

As a pioneering organization, designating Bariatric Surgery Centers of Excellence based on top quality care and efficacious outcomes, the American Society for Metabolic and Bariatric Surgery, with the help of SRC, is working to align the common interests of patients, surgeons, hospitals and insurers, all of whom suffer when complications develop  after surgical care.

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Albany dealership holds it in the road

In 1948, Albany saw the showroom doors of Albany Ford, Lincoln, Mercury open for the first time. Two of the community’s big names in business; Haley and Pritchett, were behind the post-World War II venture, and the new dealership was a sign of good days ahead. In 1951, Pritchett bought out and took over the Ford line, leaving the Haley family with Lincoln and Mercury.

Today, Albany Lincoln Mercury on Broad Avenue, is still owned by the Haley family, and is one of the oldest dealerships in the nation with the same, original owner. The business employs 25 people, covers almost three acres, and is doing well, according to General Manager Bill Chaffin.

Not that the current economic crisis has not had its effect on business. It has. Chaffin says that last year was very difficult, with sales dropping in line with the downturn, but things are beginning to climb back up. “We’re still soft, it could be better, but things are moving in the right direction,” said Chaffin.

Ford and Lincoln Mercury did not participate in the federal bailout like GM and Chrysler, and Chaffin is certain that helped their business, saying, “We had people coming in who had never owned our makes before, deciding to buy from us simply because we took no government money to stay in business.”

One factor in the solid bottom line of Albany Lincoln Mercury is the ownership. The Haley business model is actually very simple. If they do not have the money to buy something, they don’t. The dealership has no debt load to carry, making day-to-day operations much more manageable and profitable. The success of the Haley corporation throughout southwest Georgia gives it the capital to make that possible.

Chaffin is from Columbus, arriving in Albany just after the 1994 flood. He recalled some very sage advice that Joel Haley gave him at the time. “Mr. Haley looked at me and said, ‘Bill, I am going to give you just one thing, and it’s up to you what you do with it; an opportunity.’” In just a few years, Chaffin had moved into a management position with the dealership, and in 2001 was named general manager, taking Haley’s words to heart. Last year, even with the drop in business that everyone was going through, the dealership did $14 million in sales, Chaffin said.

But nothing stays constant in business. With the passing of Joel Haley a few years ago, the financial officers in charge of the estate began crunching the numbers and planning the future. Chaffin says the first priority is a decision on the location. Currently at 632 W. Broad Ave., a lot that has served them well over the years, there is a serious concern that changes around it are having a direct impact on business. “A lot of our customers are older people,” said Chaffin, “and frankly, many of them are not coming in like they use to.” Exactly when, and where to go, are decisions that are a ways off yet, but he says at some point a move will happen. There is no shortage of location options. The Haley estate is a significant property holder in Albany and surrounding communities.

Like so many other family-owned, long-standing businesses here, Albany Lincoln Mercury has always seen itself as community minded, taking into account what was best for the city, as well as the business. “Ten years ago, that would have been a factor,” said Chaffin, “but today, with the way Albany is being operated, that loyalty is just not there as much. Our decisions going forward will be primarily about what is best for the dealership.” Chaffin said that the commitment to the people of the area, and in particular their customers, is solid, and he expects Albany Lincoln Mercury to hold on to what it has built and grow. It just may be growing on a new parcel.

Written by Lon McNeil.

Tags: Business
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ASU offers Continuing Ed Courses for Small Biz Owners

Albany State University Center for Entrepreneurship and Continuing Education has two more courses to offer for fall 2009. The classes are focused on meeting the needs of today’s business owners and potential business owners.

A grant writing class is being offered to individuals wanting to learn how to write effective and powerful grant proposals. Participants will learn the essential components of a grant proposal package; the differences between government and foundation proposals; the behind-the-scenes decisions that determine proposal acceptance and denial; and much more. This course will be helpful to any business owner who is looking for additional funding sources to grow his or her business. This easy-to-follow course will provide sensible guidelines and instructions for writing a grant proposal from the perspective of the grant maker.

Each class has two sessions. Upcoming classes are scheduled for Oct. 20 and 27; Nov. 3 and 10; Nov. 17 and 24; and Dec. 1 and 8. Classes are from 6 to 9 p.m. The cost of the class is $149.

Vincent Hunt will introduce social media to all interested individuals on Oct. 29, Nov. 5, 12 and 19 (Thursdays) from 6 to 8 p.m. Known as “Guru” in social media, Hunt will share proven techniques on using social media as effective marketing tools to increase business productivity. In today’s world, successful marketing is definitely the key to thriving business. No matter how good one’s services are, people need to know what is being offered. One of the best ways to get the word out is through social media. Twitter, Facebook and Linked In are all social media outlets that are extremely popular. More business owners are tapping into the potential that social media offer.

The class size is limited to 18, so students should register early for $45. The class site is the Center for Entrepreneurship and Continuing Education located at 230 S. Jackson Street, Suite 355.

These classes have been established at the request of entrepreneurs who are seeking practical help in business ownership at a nominal cost. All fall 2009 courses are now open for registration.

The Center for Entrepreneurship and Continuing Education is always seeking qualified instructors. If you are an experienced instructor and are interested in teaching a Continuing Education course, contact Program Specialist Veronica Staten in the Center for Entrepreneurship and Continuing Education at (229) 430-4505.

For information on any courses, contact the Center for Entrepreneurship and Continuing Education at (229) 430-4661.

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Metro Albany’s July unemployment rate rises to 10.6 percent

The Georgia Department of Labor says the preliminary unadjusted unemployment rate in the metro Albany area rose to 10.6 percent in July, up five-tenths of one percentage point from a revised 10.1 percent in June.

In Albany, the number of unemployed workers increased in July to 8,120, up 2,987 from July 2008. The number of payroll jobs in metro Albany was 61,500, a loss of 1,800 or 2.8 percent from July 2008.

Statewide, the number of payroll jobs in July decreased 199,400, or 4.9 percent, from July 2008. The over-the-year losses were in manufacturing, trade, transportation and warehousing, professional and business services, including temporary employment agencies, and construction. Jobs in healthcare, private educational services, and local and state governmental education showed a combined increase of 19,600 jobs.

The state’s seasonally adjusted unemployment rate rose to 10.3 percent in July, up two-tenths of a percentage point from a revised 10.1 percent in June. Last month, 493,748 unemployed Georgians were looking for work, an increase of 63.6 percent from July 2008.

Georgia labor market data is available at www.dol.state.ga.us

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Update: Small Biz and Non Profit Winners from Albany Chamber are…

UPDATE:

The Winners are:

Not for Profit of the Year:   Lilly Pad

Small Business of the Year:  Modern Gas.

Congratulations to both!



The winner of the 2010 Small Business of the Year and Not for Profit of the Year will be announced at the Salute to Small Business Rise N Shine Breakfast at the Hilton Garden Inn.

The finalists were announced today by the Albany Area Chamber of Commerce. They are:

Small Business of the Year:

  • Eagle Cleaners
  • Modern Gas Company, Inc.
  • Ole Times Country Buffet

Not for Profit of the Year:

  • Girls, Inc.
  • Lily Pad
  • Thronateeska Heritage Center

The Rise N Shine begins with coffee and networking at 7:30 a.m. and continues with breakfast and the program at 8 a.m.

Tags: Business
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Cooper Tire sales way down

From Automotive World

With sales revenue dropping by $130 million to $636 million in the fourth quarter of 2008, sales at Cooper Tire & Rubber were down year-on-year to $2.9 billion in 2008.

Sales revenue dropped by $130 million to $636 million in the fourth quarter of 2008.

Tags: Business
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