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Chamber Insights for January 2009-Complete issue

Welcome to Chamber Insights -January 2009
The monthly newsletter of the Columbia-Adair County Chamber of Commerce.

Editor and feature writer:Sue Stivers
Presidents Message: Donna Stotts
Feature Writers: Dan Koger, Ramie Hutchison

The Purpose of the Columbia-Adair County Chamber of Commerce is to promote and enhance the Business, Cultural, Educational and Civic Well Being of Columbia and Adair County.

Presidents Message

As we move forward in 2009, our mission at the Columbia-Adair County Chamber of Commerce will continue to be the same as in the past; making our community a better place to live, work and play.

We will continue to bring you informative speakers about issues that face both you and our community. The doors of the Chamber are always open to support both old and new business and assist new residents.

In 2008 we sponsored 2 new events, the Ronald McDonald Wish List Event and the Halloween Treats on the Town. Due to overwhelming response we are excited to sponsor these events again in 2009. We are also exploring other events for the upcoming year.

We appreciate all Chamber members for their membership and sponsorship for these events. We especially appreciate all of the volunteers who share our goal in making, Columbia, KY, A Great Place To Call Home.

Corporate Sponsor of the Month

A special Thank You to First & Farmers National Bank for being the Corporate Sponsor of the month. The Chamber truly appreciates this outstanding business for their Chamber participation and for being our corporate Sponsor of the Month. The following remarks were given by Ann Martin, President/CEO:
First & Farmers National Bank is nearing its First Anniversary! In 1903, Adair County was introduced to First National Bank of Columbia. One hundred and five years later, First National Bank of Columbia consolidated banking operations with First & Farmers Bank located in Somerset and Albany as well as Bank of Cumberland in Burkesville, Kentucky. Now, the organization employs more than 130 people in the four-county region and has grown to a bank with over $430,000,000 in assets. One major goal of the merger was to retain the steady financial foundation that First National Bank provided to their community for 105 years. Another goal achieved with the merger is the added convenience of expanded banking centers and a total of 14 ATMs in Adair, Clinton, Cumberland and Pulaski Counties. Customers may now bank at any of the eleven First & Farmers National Bank locations!

Since the merger, services and products have been expanded as well. Online Banking and Bill Pay features have been improved and online cash management for businesses is now offered! By providing such great services, First & Farmers National Bank has helped its customers improve their livelihood and has also been a tremendous positive impact on the community.

Not only does First & Farmers National Bank think of their customers as great assets, but they know that their employees are the greatest assets. Their wonderful staff provides the warm, friendly atmosphere with the knowledge and experience to help their customers on a daily basis. First & Farmers National Bank currently employs thirty-nine people in the Columbia locations who provide excellent service to the bank. You will find many First & Farmers National Bank employees giving back to the community: either by serving on civic committees or donating their time to local organizations like Girl Scouts, Boy Scouts, Little League sports, local school systems, American Cancer Societys Relay For Life, Adair County Jaycees, Chamber of Commerce and more!

The same customer-service oriented atmosphere is present in each and every First & Farmers National Bank location! They offer a wide variety of services from your basic checking or savings accounts to Certificates of Deposit. Furthermore, their lending staff is among the best! First & Farmers National Bank is an Equal Housing Lender and Member FDIC.

First & Farmers National Bank currently employs thirty-nine representatives at three locations in Adair County. Automated Teller Machines are also located at the Branch location on Russell Road and at the Drive-In location on Burkesville Street. An ATM located in the Lindsey Wilson College Student Union Building provides convenience to students and staff. Please visit First & Farmers National Banks website at to find a product or service which fits your financial needs or call one of their friendly representatives today! First & Farmers National Bank is always putting YOU first!
Its Time to Renew 2009 Membership Dues

Membership dues should be paid by January 30th. The Chamber needs you and you need the Chamber. Dues may be paid by mailing your check to P.O. Box 116. Or stop by the Chamber office at 201 Burkesville Street.

New Member Hi-Lights:

The Chamber is extremely happy to have 2 new members to the Columbia-Adair County Chamber of Commerce. They are:
  • Shutterbug Studios of Kentucky, located at 300 Greensburg Street in Columbia, (270) 723-0540. Owner: Helen Williams Kendrick
  • Ruth Hadley - Individual Member
By joining the Chamber, you become a part of an organization that is dedicated to the economic growth and prosperity of Columbia and Adair County. Your investment in the Chamber means an investment in your community. This is your Chamber your voice in our communityhelping to make Columbia-Adair County A Good Place To Call Home.

Chamber of Commerce Monthly Meeting Schedule
January June 2009

  • January 20th @Lindsey Wilson College, Speakers: Judge Ann Melton & Mayor Pat Bell. Corporate Sponsor: First & Farmers National Bank
  • February 17 @Lindsey Wilson College. Speaker: Maury Cox, Executive Director Kentucky Dairy Development Council. Corporate Sponsor: Rowe Farms
  • March 17 @Columbia United Methodist Church. Speaker: Dr. Joseph J. Zadon, Jr., M.D. Bowling Green & Columbia Offices. Corporate Sponsor: Aaron Medical Center
  • April 21 @Lindsey Wilson College. Annual Chamber Banquet
  • May 19 @Columbia United Methodist Church. Speaker: Mary Phelps-Hathaway. 2010 Equestrian Games in Lexington, KY. Corporate Sponsor: Mary Phelps Hathaway, Markel Equine Insurance Specialist
  • June 16 @Roadside Park - Annual Picnic. Corporate Sponsor: Bank of Columbia
Close Your Eyes and PretendPoof, the Chamber is Gone

What if there was no ChamberWhat would happen next?

  • Without the Chamber there would be no organization to monitor legislation, in all areas, that affect the business community.
  • Without the Chamber there would be no business development to assist new entrepreneurial businesses with development from inception.
  • Without the Chamber there would be no statistical and demographic data to assist commercial, retail, and wholesale businesses to determine the market.
  • Without the Chamber there would be no leadership development programs to assure quality leadership for the future.
  • Without the Chamber there would be no meetings set up with city, county, state, and legislative groups, so that the business community can maintain personal contact.
  • Without the Chamber there would be no listings of businesses in the community.
  • Without the Chamber there would be no free listings on the Internet.
  • Without the Chamber there would be no Christmas In ColumbiaBuy, Swap, Trade, Sell DayFolklore of the Old WestTreats on the TownRonald McDonald House Project and other community activities and events.
  • Without the Chamber there would be no Welcome Center to provide information to tourists and retirees, about Columbia and Adair County, and refer them to businesses to spend their money.
  • Without the Chamber there would be no community retail promotion effort to encourage purchasing which leads to tax dollars for our government entities.
  • Without the Chamber there would not be monthly meetings to recognize Governors Scholars, Rogers Scholars, and other students on their achievements, and adults who receive recognition for community service as Presidents guests.
  • Without the Chamber there would not be Awards for business, professional, agriculturalists, volunteers, teachers and industries to recognize their achievements, which provides Columbia and Adair County a higher quality of life and a great place to call home.
  • Without the Chamber there would be no mixers to increase business contacts for the business community.
  • Without the Chamber there would be no information supplied to you through your newsletter to keep you abreast of projects, activities, events and programs important to the community.
  • Without the Chamber there would be no one to answer the thousands of phone inquiries handled each year.
  • Without the Chamber there would be no quality of life publication used to answer the hundreds of letters answered each year about Columbia and Adair County.
Did you ever think of these and the many other projects, on a daily, monthly, and yearly ongoing basisthat makes YOUR Chamber important to you and your business and all of the residents of Columbia and Adair County.What a nightmare and loss if Columbia and Adair County did not have a Chamber of Commerce. It is through the support of the Chamber members that the organization will not gopoofand disappear.A Special Thanks for your support! Chamber members you are appreciated!!
Golf Course Deal Saves A Valuable Tool for Area Economic Development

By Dan Koger, Associate Professor of Communication, Lindsey Wilson College

When youre playing golf, its important to pick the right clubs to move the ball down the fairway and into the hole. The game gets harder if youre missing one or more of these tools.

The same can be said for rural economic development in places such as Columbia and Adair County. In tight economic times, competition to bring businesses and jobs to the area is keener than ever. Leaders need all the tools they can get, including good roads, good schools, attractive housing, a local college such as Lindsey Wilson College, and, if possible, an attractive, well-run golf course.

Together, such things can give your community a powerful edge in the race to attract top companies and the jobs and tax base they bring with them.

Failure to have one or more of these plusses in your bag and your area could go to the back of the bidding line. Worse yet would be to have had one of these resources, and then lost it, for whatever reason.

That basic tenet of rural economic development is part of the context of the recent struggle to keep Pinewood Golf Course off the auction block. Losing the existing club could potentially have been worse than never having had it at all.

By recently amassing the funds to preserve the golf course, local leaders are demonstrating to corporate decision makers across the country that, when the need is there and clearly defined, residents of Columbia and Adair County can unite to preserve something valuable

Such an effort comes right out of the rural economic development scorecard, as articulated by such gurus as Al Cross, long-time state political reporter for the Louisville Courier-Journal and Director of the Institute for Rural Journalism and Community Issues at the University of Kentucky.

Cross advises rural community economic leaders to do at least three things well unite with other areas for combined growth, encourage local entrepreneurs and build on your existing assets.

Pinewood Golf Course is definitely an existing resource, one of significant value says Sue Stivers, Executive Director of the Columbia-Adair County Chamber of Commerce and Economic Development.

Stivers sees expanding tourism and attraction of retirees as valuable sources of future economic development. A local golf course can only help in both these areas.

On the Al Cross scorecard, building on your existing assets includes finding your economic niche by developing a unique source of competitive advantage.

He cites one example from Southern Kentucky. In the Lake Cumberland area, lots of young people who learned to weld, wire and plumb at local vocational schools have helped create a center of the houseboat industry.

In other words, Cross says, rural areas such as Adair County have scenic assets that can attract job-creating businesses. As communities recruit new employers, they need to protect such assets and be careful about the environment.

In periods of economic downturn, such as were experiencing now, such wisdom and foresight can be more important than ever. It can also provide some control over your economic destiny, even in tough times.

In Cross words communities hungry for jobs may think they cant afford to be selective, in terms of what kind of employers they recruit, how they entice them, and how those employers treat their workers. But all those issues are legitimate items for public debate.

The more economic clubs in your bag, the more economic leaders can bring to the negotiating table.

How To Stop Bad Luck: The Truth About Email Forwards
By Ramie Hutchinson, Duo-County Telecom

If you dont send this to 10 people in the next 5 minutes, you will have bad luck for the next 15 years. How many times have these emails appeared in your inbox, sent by a friend who was reluctant to dump the message in the trash for fear of bad luck? What most people dont realize, is that they, along with the 10 people they send this message to, may be the ones having the bad luck.

According to, a site built for verifying or disproving rumors, anytime you send and email requiring you to forward the message to 10 of your friends or sign a petition, you are most likely allowing an email tracker program to track the cookies and emails of those folks you forward the message to. This will allow spammers to send you SPAM emails or sell your address to other spammers. also clarifies that although online petitions for causes are a great thought, they most likely will have no effect on or ever reach the recipient it needs. Even though the petition may gather thousands of online participants and appear harmless on the outside, you may very well be opening yourself to spammers across the globe.

Also, as points out, for a petition to even remotely be acceptable, they must have a signed signature and full address of the person signing the petition. So although online petitions may show an added interest in an issue, until there is a physical copy of signatures and addresses, nothing can legally be done.

There are many websites to avoid in order to keep your computer away from danger, but we also need to beware of the danger that can enter via email.

Some emails to be cautious of:
  • Petitions
  • Forwards
  • Special offers
  • Credit Card verification (if you receive these, call the company who sent the email, DO NOT fill out the information)
  • Free merchandise
  • Unknown email addresses
If you have any questions about emails or online security or need computer repair, feel free to call Duo County Telecom at 378-4141.

This story was posted on 2009-01-29 03:05:19
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