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Welcome to Columbia Magazine  

Welcome to Chamber Insights - August 2011

In this month's issue
  • President's Message
  • Purpose of Chamber
  • Thought for the Month
  • United Citizen's Bank
  • New member: Pablo's Grill
  • Chamber Activities
  • Looking Ahead
  • Duo-County column

The monthly newsletter of the
Columbia-Adair County Chamber of Commerce
201 Burkesville Street, Columbia, Kentucky 42718
(270) 384-6020 / /
Editor: Sue Stivers
President's Message:Ron Heath
Feature Writers: 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.

"Thought For the Month"

"Today I Will Make A Difference"

Today I will make a difference. I will begin by controlling my thoughts. A person is the product of his thoughts. I want to be happy and hopeful. Therefore I will have thoughts that are happy and hopeful. I refuse to be victimized by my circumstances. I will not let petty inconveniences such as stoplights, long lines and traffic jams be my masters. I will avoid negativism and gossip. Optimism will be my companion and victory will be my hallmark.

"Today I Will Make A Difference"

I will be grateful for the twenty-four hours that are before me. Time is a precious commodity. I refuse to allow what little time I have to be contaminated by self-pity, anxiety or boredom. I will face this day with the joy of a child and the courage of a giant. I will drink each minute as though it is my last. When tomorrow comes, today will be gone forever. While it is here, I will use it for loving and giving.

"Today I Will Make A Difference"

I will spend time with those I love, my spouse, my children, and my family. A man can own the world but be poor for the lack of love. A man can own nothing and yet be wealthy in relationships. Today I will spend at least five minutes with the significant people in my world. Five quality minutes of talking or hugging or thanking or listening; five undiluted minutes with my mate, children and friends.

"Today I Will Make A Difference"

President's MessagePresident's Message - Ron Heath

For small businesses on a tight advertising budget it's really important to use those dollars wisely. Advertising in (the local media) hits most area residents and is the most effective way to get your business name out to a lot of people at once. However, there are two other populations that spend money locally that business owners need to cultivate. This month will focus on the first group - the more than 1,200 students at Lindsey Wilson College. These young men and women naturally gravitate to the "name brand establishments. When they arrive in Columbia they don't know anything about the small local businesses that could provide the same product or service.

Students have money to spend. As freshmen they establish their buying patterns soon after they arrive on campus. They are a huge potential market for businesses that have a product or service they want. A year or so ago, two seniors from Lindsey Wilson were helping out at the Chamber office and were asked to visit a local business. Even though they had been on campus for four years, they didn't know this place existed. They both stated that if they knew it was here they would have gone there during their time on campus. What a missed opportunity for the business owner!.

In an effort to help area businesses that have something to offer that students might purchase, the Chamber and College jointly sponsor a "Wares Fair" every year. It's held at the beginning of the school year before students establish their buying patterns. Here's a great chance for enterprising business owners to focus their appeal on the goods or services that might be of interest to students. This event usually attracts more than 600 students, faculty and staff. Displaying your "wares" at this event allows you to meet and greet every student who walks past your table. Students then can put a face with a business.

The most popular tables at the Wares Fair are the business owners who are creative in how they market themselves to the students. Students seldom go into a business alone. Usually there are two or three friends with them and many times they all end up buying something. Enterprising business owners can capitalize on that by offering an attractive prize that means they have to come back again and again. For example, in the past some businesses that sell soft drinks have offered a prize of a large drink every week of the school year. Restaurants and fast food places have offered a free meal once a month..

Students need medical and dental care as well as prescription medicines. They buy clothes for the different seasons. Their cars need to be serviced. Don't sit back and wait for them to try to find you. Be pro-active and get your name in front of them. The Wares Fair gave all business owners the opportunity to get their foot in the door to the campus community at the start of the school year. If you own a business that has something to offer students, don't pass up this chance to expand your customer base next year.

The Chamber of Commerce would like to "Thank" all the businesses that participated in the Annual Wares Fair at Lindsey Wilson College. This gives our businesses an opportunity to show students, faculty, and staff what goods and services are available right here in Columbia

United Citizens Bank of Southern Kentucky
Chamber Corporate Sponsor 8-16-11

United Citizens Bank of Southern Kentucky is nearing our Seventh Anniversary. On December 6, 2004 we opened our first location at 700 Jamestown Street as an FDIC insured, state chartered bank with $12 million dollars in capital and 15 employees. We now have 2 locations in Adair, 1 in Taylor and 1 in Russell County. Since opening in 2004, United Citizens Bank has grown to over $140,000,000 in assets and now employs 46 people in the three counties.

United Citizens Bank serves individuals and businesses with a full range of banking products and services just as the other banks in town. This article will focus on 2 of our many product offerings.

First is our 30 year fixed rate loan product. With rates at historic lows, now may be a great time to refinance your existing home or purchase that new home. For example, homeowners in their early 50s who have lived in their homes for a number of years and have positive cash flow may want to refinance into a shorter-term now and pay off their house before retirement. Homeowners in their 30s and starting a family might be looking to refinance into another 30-year loan to create more breathing room in the monthly budget and enable them to sock more money away into retirement or college savings. Or you may want to just buy that new home. A 30 year fixed rate loan is currently around 4% or you can get a 15 year fixed rate loan with 1 point for near 3%. We also offer USDA Rural Housing Loans on new purchases, and if you meet the income, Credit & Property Eligibility requirements, there is not down payment required and we can finance 100% of the loan up to 30 years. Unlike some of our competitors, we make the loan and service it in-house, your loan is not sold to another bank for servicing, your payments are made locally and if you ever have a question about your loan, you can stop by one of our locations or call and talk with your lender.

Our newest product offering is Mobile Banking. With your life on the go, you should be able to manage your money on the go too. That's why United Citizens Bank offers you free Mobile Banking. This service lets you access your accounts and conduct transactions from different mobile devices and carriers. So if you have a mobile service, you have access to your money. With Mobile Banking you can Check Balances; review transaction histories, transfer funds, check rates, or locate one of our ATM's. You can also receive daily text alerts. Get a message of your balance or a message if your balance drops below a preset amount, or notification of an ACH deposit. If you happen to be out shopping and would like to make a purchase but you realize your checking account doesn't have enough money, just sign on to Mobile Banking and transfer the needed funds from your savings account.

Allow us the opportunity to let you experience the Welcome Home feeling we are talking about with United Citizens Bank. Stop in one of our 4 full service locations or visit our website at to find out how we can satisfy your banking needs. We look forward to meeting you and showing you what we have to offer and what has made us "The Bank to Come Home To"(UCB is an Equal Housing Lender and Member FDIC)

Welcome New Members

The Columbia-Adair County Chamber of Commerce welcomes:
Pablo's Mexican Grill,
Location>: 104 Public Square
Owners: Antonio & Teresa Aquino, Phone: 384-6394
Open: Sunday - Thursday: 10:30 AM to 9:00 PM; Friday & Saturday: 10:30 AM to 10:00 PM
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 business voice in our community...helping to make Columbia-Adair County "A Great Place to Call Home". Remember, what you get out of a membership association is what you put into it. You are encouraged to get involved today!

Looking Ahead - Chamber Activities & Events

September 5 (Labor Day) - Annual Buy, Swap, Sell &Trade Day on the public square.

Vendors interested in a booth may call Chairman Charles Grimsley at 384-5658 or stop by Grimsley's Jewelry at 102 Public Square.

City Wide Yard Sales - Labor Day Weekend

Monthly Chamber Meeting - September 20, 11:45 AM at The Pines at Lindsey Wilson.Program: Adair County Adult Education Center, Speaker: Mary Ann Branham, Director.Corporate Sponsor for September: Wal-Mart of Columbia.

All Chamber members are encouraged to attend.

Saturday, December 3rd

Christmas Parade "Under the Lights" theme

"The Spirit of Christmas"

Editorial Of The Month
By Sue C. Stivers

Your Attitude Determines Your Altitude....


One of my favorite posters among the inspirational, motivational set typically portrays a ski-jumper soaring high in mid-flight over the snow covered Rockies, or a high performance jet aircraft screaming skyward with full after-burner blazing from the tail. The inscription reads, "Your Attitude Determines Your Altitude".

Ernest Holmes told us that "Life is a mirror and will reflect back to the thinker what he thinks into it". It's just another way of measuring altitude through attitude.

I am an avowed believer in the theory that positive thinking directly translates to the top line as well as the often over used "bottom line". It's always about money, isn't it?

As members of the business community, we owe it to our collective selves to do as much as we can to make sure that the image that we project into the mirror is one of a healthy, vibrant, progressive, and enjoyable place to live, work and play.

IBM's Thomas Watson shared a sage bit of advice when he suggested to readers "If you want to be a big company tomorrow, you have to start acting like one today". I'll extrapolate that thought to suggest that if we want to continue to be an exciting community tomorrow, we have to continue acting like one today. Anything less threatens to hold us back while others steal the thunder, the limelight, the quality of life and the jobs that we all know are critical to ongoing success and vitality.

The best thing that we can do now is to act as if it were impossible to fail. The dreams and visions we formulate now are crucial as we strive to implement them. It was George Eliot who told us "Our deeds determine us, as much as we determine our deeds". Determination plays a major role in how high we fly, alone or together.

As I observe and work with businesses, I have seen the impact that high self-esteem has on successful business people. The self confidence they exude spills over into their decision-making when it comes to growing a business from start-up to super star. Many businesses know what mirror imaging can do. Expect victory and you make victory. No where is this truer than in business life, where bravery and faith bring both material and spiritual rewards.

Key community leaders throughout our City and County have worked diligently to show the diverse amenities we have and why they all add up to a truly rewarding life style admired of hundreds of tourists and visitors, many of whom choose to stay and build a business with us.

When we look into the community mirror, it is obvious that we don't all see the same thing. It's probably just as well. If we did, we wouldn't be the exciting dynamic place we have been working to become. However, our goal as a community should be to make sure that when we look into that mirror we're all seeing a good, honorable, fun place to live, work and play.

Opportunities multiply when they are seized. They die when neglected. Life is a long line of opportunities. We only have one community mirror available. We need more people to look into it honestly. If you come away with a good, positive to polish it and keep it bright. If you come away with a bad, negative image...maybe it's time to take a look into your own mirror at home. It's never too late to start changing your attitude and achieving new altitudes. Remember..."Your Attitude Determines Your Altitude".

Mirror, Mirror on the wall....Give us courage to be the best of them all.

Quick Reference Codes: What are they?

By: Ramie Hutchinson

Whether you're looking through a magazine, walking through a restaurant or even driving, you may have noticed odd looking squares printed on billboards, brochures and advertisements. Although they look more like a Rorschach Tests, these Quick Reference (QR) codes have actually become the new trend in advertisement.

These codes are similar to a bar code you see on retail products, but are much more versatile. They can store anything from Web addresses, text or even phone numbers. If you see a QR code in a magazine, usually it will be a link to a website or to a particular article online. Businesses like Duo County Telecom have started linking to their social media sites with these codes. But how do you scan them?

If you have a smartphone (Android or iPhone) you can download an application that scans barcodes or specifically QR Codes. The most popular app for Android is "Bar Code Scanner." The application uses your phones camera to read the code. Simply line up the QR code's image with your camera and wait for the app to read it. Once it recognizes the code, it will bring up the text or link that was embedded.

The best thing about QR Codes is that there are several FREE generators on the web. An easy one to use is Just visit the site, generate the code and save it as an image or a link.

If you have a smartphone (Android or iPhone) you can download an application that scans barcodes or specifically QR Codes. The most popular app for Android is Bar Code Scanner. The application uses your phones camera to read the code. Simply line up the QR codes image with your camera and wait for the app to read it. Once it recognizes the code, it will bring up the text or link that was embedded.

The best thing about QR Codes is that there are several FREE generators on the web. An easy one to use is Just visit the site, generate the code and save it as an image or a link.

This story was posted on 2011-08-25 03:15:38
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