New Member Highlight- Black Ops Security Services

March 19, 2025

New Member Highlight- Black Ops Security Services

Black Ops Security Services is a premier security provider based in Berwick, dedicated to safeguarding businesses, events, and individuals with expert protection. Founded on integrity and vigilance, the company offers armed and unarmed security, event security, executive protection, mobile patrols, and crisis response—all delivered by highly trained professionals with law enforcement and military backgrounds. Committed to community safety, Black Ops Security Services partners with local businesses and organizations to create secure environments. Trusted for their professionalism and reliability, they continue to set the standard for excellence in security. To learn more about Black Ops Security Services call (570) 520-4085

This or That? – New Business Decisions

March 19, 2025

This or That? – New Business Decisions

Source: McKonly & Asbury

Starting a new business is exciting! It is a new venture that follows a passion or dream. Starting a new business also means new responsibilities. With new responsibilities comes many decisions to be made. This can be very daunting and overwhelming for a business owner. How does one know what accounting method they should use for their business, or what type of entity should be selected? What difference does it all make? Throughout this blog article we’ll take a deeper look into the popular game of “This or That?” where new business owners are faced with two options and must choose one. Here goes…

Accounting Methods

One of the decisions for a new business is to decide what type of accounting method should be used for financial reporting. Accounting methods are primarily distinguished by when revenue and expenses are recognized. The two main accounting methods are accrual-based and cash-based accounting. Accrual-based accounting is often used by larger companies, while smaller businesses and sole proprietors tend to use cash-based accounting.

Accrual-based accounting recognizes revenue when it is earned, rather than received, and expenses when they are made, rather than when they are paid. Since accrual accounting records Accounts Receivable and Accounts Payable, it can provide a more accurate picture of a company’s financial health and profitability. However, by recording revenue that has not yet been received, it can make a company look more profitable than it really is, particularly if cash balances are low. Accrual accounting is more complex, which can be more time-consuming, and often requires additional accounts, such as Deferred Revenue and Prepaids.

On the other hand, cash-based accounting records revenue when payment is deposited into the business, and expenses are recognized when an expense is paid. Since cash-based accounting does not record Accounts Receivable and Accounts Payable, it is simpler to keep records updated and have an accurate picture of cash flow. However, due to the lack of Accounts Payable, it can overstate the health of a company because outstanding vendor invoices, which are additional expenses, are not included in the financial statements. The opposite is also true for Customer Receivables. Here is a helpful article depicting key differences.

Accounting Periods

An accounting period determines a business’s tax year for tax returns. The two tax year types are calendar year and fiscal year. Calendar year is as it sounds, a tax year that runs consecutive with the calendar year, beginning in January and ending in December. By choosing the calendar tax year, a business must report income received and expenses incurred between January 1 and December 31. A fiscal year is a 12-month period that ends on any last day of the month except December 31. If a business elects to use a fiscal year, they will report income and expenses for their selected 12-month time frame. A fiscal year is most common with governments, non-profits, and businesses that have seasonality periods, such as retail companies or resorts.

Business Entity Type

There are several different types of entities that should be compared to determine how an owner wants to structure their business. An owner should also review their state rules and requirements to see what may be most beneficial for their business. It is also helpful and recommended to contact an accounting professional and legal counsel for guidance.

A sole proprietorship is a business owned by only one person. The business income is reported on the personal tax return and the owner pays self-employment tax. The owner may also be liable for business debts.

A partnership is structured similarly to a sole proprietorship. The main difference is that the business is owned by two or more people. If it is a limited partnership, then one partner typically has unlimited liability for business debts, while the remaining partners have limited liability along with limited control. A limited liability partnership takes this one step further by giving limited liability to all partners.

A limited liability company is owned by one or more people. This type of entity provides benefits from a corporation and a partnership. It protects an owner from personal liability, and income is passed through to an owner’s personal return without having to pay corporate taxes. Like the sole proprietorship and partnership, owners must claim the income on their personal tax return and pay self-employment tax.

The C Corp is a corporation and is also owned by one or more people. However, unlike the previously mentioned entity types, income is reported on a corporate tax return rather than being passed to the personal tax return. Corporations are liable for business debts instead of the owners. Corporations can be more expensive to form and require additional financial reporting. There may also be double taxation when dividends are paid to shareholders, which must be claimed as income on personal tax returns.

An S Corp is owned by 100 or less people. In some cases, trusts and estates can be structured as an S Corp. An S Corp is structured like a C Corp, except that there is protection from double taxation. Business profits are passed to the owners and reported on personal income tax returns instead of being taxed as a corporation. States can have their own rules for S Corps, so it is important to review state guidelines.

When starting a new business, there are so many decisions to make. Some are fun and easy, like choosing the business name or what items will be sold. Others, such as business entity structures and accounting methods, can be difficult and confusing. With those types of decisions, a tax advisor or legal counsel can help guide a business owner and simplify the process. For specific questions, assistance, or additional information, please contact Becky Lauffer, a member of our Entrepreneurial Accounting Solutions (EAS) team, to help solve your “This or That?” questions.

Delegation Done Right: Free Yourself and Empower Your Team

March 19, 2025

Delegation Done Right: Free Yourself and Empower Your Team

Delegation is a leadership multiplier. Done right, it empowers your team, builds future leaders, and gives you back time to focus on strategy.
Why it matters: Leaders who master delegation grow faster. Gallup found they generate 33% more revenue than those who don’t delegate effectively.
Delegation myths hold leaders back: It’s not about losing control or dumping tasks. It’s about creating clarity, trust, and accountability.
The bottom line: You can’t scale by doing more. You scale by letting go—and empowering your team to step up.

You’re juggling too much—and it’s slowing you down.

615 words ~ 3 min read

Many leaders take pride in wearing all the hats. You built the business. You know how everything works. But the constant “I’ll just do it myself” mindset can quickly lead to burnout—and a team that’s disengaged, underutilized, and uninspired.

Here’s the truth: Delegation isn’t giving up control. It’s multiplying your impact. When done right, delegation empowers your team, develops future leaders, and gives you the space to focus on the work that only you can do: vision, strategy, and growth.

Why Leaders Struggle to Delegate

If you’ve ever thought:

“No one can do this as well as I can”
“It’s faster if I do it myself”
“If something goes wrong, I’m the one on the hook”

You’re not alone. These beliefs are common—but they limit your potential and the potential of your people.

A Gallup study found that leaders who delegate effectively generate 33% more revenue than those who don’t. (Gallup) Delegation isn’t just a time-saver; it’s a growth strategy.

The #1 Leadership Mistake: Doing It All Yourself

When leaders hoard decision-making and execution, they:

Become the bottleneck
Burn out
Create a team culture of dependence instead of ownership

Delegation flips the script. It encourages autonomy, accountability, and initiative—three things every high-performing team needs.

As Harvard Business Review puts it:
"Delegation is not a zero-sum game where one person’s gain is another’s loss. It’s a win-win when approached with clarity and purpose.” (HBR)

Common Delegation Myths—And the Truth Behind Them

Myth: “I’ll lose control.”
Truth: Clear expectations and regular check-ins keep you informed without micromanaging.
Myth: “Delegation is dumping.”
Truth: Delegation is a leadership skill that builds trust and empowers others to grow.
Myth: “I don’t have time to train someone.”
Truth: Time invested in training upfront pays dividends in productivity and independence later.

The Delegation Playbook: 3 Simple Steps

Step 1: Clarify the Why

Don’t just assign tasks. Provide context. Explain why the task matters and how it ties into bigger goals. People are more engaged when they understand the purpose behind the work.

Step 2: Match Tasks to Strengths (and Stretch Them)

Delegate based on individual skills—but also look for opportunities to develop new ones. Aligning tasks with someone’s career goals creates buy-in and drives personal growth.

Step 3: Define Success, Then Step Back

Be clear about desired outcomes, deadlines, and key metrics. But don’t dictate how the work gets done. Let people problem-solve and take ownership. Check in, but don’t hover.

Pro Tip: Use this delegation script—
“I’d like you to take the lead on [project]. Here’s what success looks like: [clear outcome]. I trust your judgment. Let’s check in at [milestone] to make sure you have what you need.”

What You Gain When You Let Go

When leaders delegate effectively, they:

Free themselves to focus on strategy, customers, and growth.
Empower their teams to take ownership, which builds confidence and capability.
Avoid burnout by shifting from “doer” to “leader.”

You don’t scale by working harder—you scale by working smarter and building a team that grows alongside you.

Takeaway

Delegation isn’t a nice-to-have. It’s a critical leadership skill that drives growth—for you, your team, and your business.

It builds trust.
It develops leaders.
It unlocks time and energy to focus on what matters most.

Let go of the small stuff. Step into your role as the visionary leader your team needs.

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The Columbia Montour Chamber of Commerce is a private non-profit organization that aims to support the growth and development of local businesses and our regional economy. We strive to create content that not only educates but also fosters a sense of connection and collaboration among our readers. Join us as we explore topics such as economic development, networking opportunities, upcoming events, and success stories from our vibrant community.

Member News ~ March 13, 2025

March 13, 2025

Member News ~ March 13, 2025

RAISE THE REGION- LIVE NOW

Many of our members are participating in Raise the Region today. There's only a few hours left, be sure to donate by 11:59 PM tonight!

Community Giving Foundation Surveys Impact of Executive Orders

The Community Giving Foundation wants to hear from you. The survey will close on March 15. Take the Nonprofit Survey: Impact of Executive Orders

The Bloomsburg Council Approves New Hires

Congratulations to these new hires!

Public Works Department: Brian Hess, Brady Brink
Pool Consultants: Janelle Surkin and Ron Pratt
Pool Coordinator: Brandee Faust-Long
Part-time Airport Manager: Dan Broadt
Seasonal Hires: William Stewart, Jeffrey Parcell

Innotek hosts Cyber Games

Learn to stop scammers with eye-opening videos that expose how phishing, vishing, and smishing attacks works- so you can spot scams before they catch you. Click here for more information

Service 1st Federal Credit Union Honored with Distinguished MemberXP™ 'Best of the Best' Award

Service 1st Federal Credit Union has been recognized as a recipient of the 2025 Best of the Best Award, presented by MemberXP™, a leading customer experience program. This notable accolade celebrates credit unions committed to delivering exceptional service and member experiences. Read More Here

Individual Member Gearing Up From Busy Spring

CMCC Individual Member Mark Giesen is getting ready for a busy spring at the DACC. He is re-launching the capital campaign. He is also helping launch Veterans Thrive, an adolescent emotional health lecture series, and assisting in the development of a new preschool. If you see Mark out and about, be sure to check in with him!

Bloomsburg Children's Museum: Strawberry Jam Making Class

Nothing says summer like homemade strawberry jam! Join the children's museum on Saturday, June 21st, from 10 AM - 1 PM for a hands-on jam-making experience. Learn the art of preserving fresh strawberries and take home a jar of your delicious creation! Register Here

Berwick Historical Society Restores History

The Berwick Historical Society unveiled the newly restored stained glass windows that once were in Bloomingails. Bloomingails was destroyed by a severe storm on June 26, 2024. This was a community effort to preserve, restore, and bring this part of history to the David A. Sadock House, headquarters of the Berwick Historical Society.

Horst Insurance shares insights about Liability Exposure

Read more about how Liability Exposure can affect your organization here

PPL Electric Utilities partners with Focus Central PA

Danville, PA – PPL Electric Utilities is investing $1,000 in Focus Central Pennsylvania as a gold level investor in 2025. PPL Electric Utilities’ investment will support the mission of Focus Central PA to attract investment that cultivates economic growth in Central PA. Read the full article

Did You Miss Last Week's Member News? Here's News That's Still Timely

Attention Central PA Manufacturers!

Your insights are crucial! IMC is surveying Manufacturers to understand how the proposed tariffs will impact your business in Central PA. Take the survey here.

LCBC will be one of several national locations hosting the Global Leadership Summit on August 7 -8. Learn more about speakers and how to register.

PATHS will offer over 50 trainings in March to educate you on ladder safety, poison prevention, and active shooter. Visit their website, Health & Safety Division | Department of Labor and Industry | Commonwealth of Pennsylvania, for other safety-related resources and to register for a training!

Camp Victory Bingo Event

Camp Victory is hosting a Bingo Fundraiser on March 22nd. Click here for more information.

Neighborhood Assistance Program to be held on March 19th

Join John Coates, Owner of Forest and Field, along with representatives from GMS Funding Solutions, Match Nonprofit Consulting, and the Bloomsburg Area YMCA to learn more about the Bloomsburg Area YMCA's exciting expansion and renovation project, and how your support can benefit your business through the Neighborhood Assistance Program on March 19th from 5:30-7:00 PM. Check out the informational flyer. and RSVP here.

Community Giving Foundation- YIP GRANT DEADLINE MARCH 17TH

Read About the Youth in Philanthropy Grant Round Here. and Apply for the Grants Here

Volunteer Income Tax Assistance (VITA) is now accepting appointments!

Our VITA Program is now accepting appointments. Please let your clients know they can get their state, federal, and local taxes done for FREE. You can book appointments from now through April 5th. You can book your appointment online at https://svuw.org/vita or call (570) 416-2704 and leave a voicemail, and a VITA volunteer will return your call as soon as possible.

Ronald McDonald House of Danville hosting Garden Party

Join the Ronald McDonald House of Danville for a captivating evening at the second annual Garden Party at Dark. Learn more here.

LCP Alumni Event

Are you a graduate of Leadership Central Penn? Meet the 2025 and connect with your classmates at an alumni event happening March 20th. Click here to register!

DCDC Dueling Pianos Back April 4th

Danville Child Development Center's Annual Dueling Pianos Event is happening April 4th. Learn more..

Bloomsburg ArtFest Announced, Applications Live

The seventeenth ArtFest will occur on Saturday, August 23, 2025, from 10:00 AM to 5:00 PM. ArtFest showcases regional artists' original work, accompanied by local food, live music, and activities. More details here. Read the call for entries.

New Member Highlight- Derr Insurance Group LLC

March 13, 2025

New Member Highlight- Derr Insurance Group LLC

Derr Insurance Group was founded on the belief that understanding your insurance options shouldn’t be a challenge. By offering expert guidance and clear information, Beth Derr and her team empower clients to make educated decisions about their coverage. Whether you're exploring Medicare plans, considering an IRA rollover, or securing life insurance for your family's future, Derr Insurance Group takes the time to explain your options and help you find the most affordable and effective solutions. Their mission is simple: to provide exceptional service and expert advice while ensuring each client feels comfortable and confident in their insurance decisions. To learn more about Derr Insurance Group, call 570-854-7658 or email, ederr@derrinsurancegroup.com

Understanding the Workforce Shift

March 12, 2025

Understanding the Workforce Shift

With Millennials and Gen Z now comprising most of the workforce, businesses must rethink their approach to employee benefits. These generations prioritize flexibility, mental health, financial wellness, and purpose-driven work environments over traditional perks. In a competitive job market, offering the right benefits package can significantly impact talent attraction, retention, and engagement.

Millennials, born between 1981 and 1996, prioritize work-life balance, career growth, and financial stability. Gen Z, born between 1997 and 2012, values flexibility, mental health support and diversity in the workplace. While each generation has distinct preferences, both groups share an expectation that workplaces will offer benefits that support not just their professional development but also their personal well-being.

Work-life balance is particularly important to these employees. Millennials appreciate flexible work schedules and remote work options, while Gen Z pushes for even greater workplace fluidity, preferring hybrid setups or fewer traditional work hours. Career development is another significant factor. Millennials look for tuition reimbursement and mentorship programs, while Gen z prefers digital learning opportunities, upskilling, and the ability to advance quickly through job-hopping. Financial wellness plays a crucial role in their decision-making, with Millennials drawn to student loan assistance and 401(k) matching, whereas Gen Z favors instant payroll access and budgeting tools. Health and well-being are also essential, as both groups demand comprehensive wellness programs, including therapy coverage and stress management apps.

To attract and retain these employees, organizations must rethink their benefits models and provide options that are personalized, flexible, and inclusive.

The Columbia-Montour Chamber of Commerce offers its members access to My Benefit Advisor as a solution for employee benefits, including voluntary offerings. For more information about My Benefit Advisor, visit our website at cmcc.mybenefitadvisor.com or contact Rob Higginbotham at (800) 377-3536.

5 Customer-Focused Strategies to Build Loyalty and Drive Growth

March 12, 2025

5 Customer-Focused Strategies to Build Loyalty and Drive Growth

Customers expect businesses to prioritize their needs, and those that do see stronger loyalty and growth. A customer-first mindset doesn’t require big budgets—just smart, intentional strategies. Here’s how:

Personalize Every Interaction – Use simple tools to track preferences and offer relevant experiences.
Deliver Seamless, Empathetic Service – Make customer support easy, responsive, and thoughtful.
Engage Proactively – Anticipate needs and check in before issues arise.
Build Community & Relationships – Go beyond transactions by supporting local causes and fostering connections.
Listen, Adapt & Improve – Gather feedback and refine offerings, just like top brands do.

Small steps make a big impact. Prioritizing customer experience helps businesses of any size outperform competitors. Ready to strengthen loyalty? Let’s dive in.

628 words ~ 3 min. read

Customer expectations have evolved. In today’s competitive landscape, businesses that prioritize customer needs see higher retention, stronger brand advocacy, and increased revenue. A study by PwC found that 73% of consumers consider customer experience a key factor in their purchasing decisions—yet, only 49% say companies provide a good experience. The gap between expectations and reality presents a major opportunity for businesses willing to go the extra mile.

Here are five strategies to build long-term customer relationships and drive loyalty:

1. Personalize Every Interaction

Personalization might seem overwhelming for small businesses, especially when looking at how giants like Amazon and Netflix use AI-driven recommendations and automation. However, the core principle remains the same: customers respond to businesses that understand their needs. Even without a massive tech budget, small businesses can apply these strategies in practical ways. Start by using a simple CRM to track customer preferences, segmenting email lists for more relevant messaging, or offering personalized discounts based on past purchases. Over time, these small steps can build stronger customer relationships and drive engagement—proving that personalization isn’t just for big brands, but for businesses of all sizes.

2. Deliver Seamless and Empathetic Service

Small businesses might not have the resources of Apple or Zappos, but that doesn’t mean they can’t deliver outstanding customer service. The key isn’t having a massive support team—it’s about making every interaction smooth, responsive, and thoughtful. Start by offering at least one or two reliable ways for customers to reach you, whether that’s email, social media, or a simple chat feature on your website. Focus on quick, clear communication and empower employees (or yourself) to handle issues with empathy. Even small improvements, like a faster response time or a more personal touch, can make a big difference in customer loyalty—proving that outstanding service isn’t just for big brands, but for businesses of any size.

3. Engage Customers Proactively

The best customer service isn’t reactive—it’s proactive. Businesses that anticipate needs and engage customers before they reach out gain trust and loyalty.

Send reminders for upcoming service needs or expiring subscriptions.
Offer educational content, like tutorials or insider tips.
Check in post-purchase to ensure satisfaction.

For example, Spotify’s curated playlists based on listening habits create a sense of thoughtfulness that keeps users engaged.

4. Build Relationships Beyond Transactions

Creating a community around your business fosters long-term loyalty.

Develop exclusive memberships or loyalty programs.
Engage on social media with authentic, two-way conversations.
Align with customer values — support community causes or partner with other businesses to demonstrate connectedness to the goal of a thriving local economy.

For example, a local bakery could build loyalty by partnering with a nearby school for a fundraiser, donating a portion of sales to support classroom supplies. Similarly, a boutique could team up with a nonprofit, hosting a special shopping event where proceeds go toward housing for refugees—showing customers their purchases make a real impact in the community.

5. Listen, Adapt, and Improve

Customer needs evolve, and businesses must continuously refine their strategies. The most successful brands actively listen and implement feedback. Here are a few ways to do so.

Conduct surveys and NPS (Net Promoter Score) assessments.
Analyze customer support trends to identify pain points.
Show customers that their feedback drives meaningful changes.

Big brands like Netflix regularly tweak its recommendation algorithms based on user interactions, ensuring an ever-improving experience. Small businesses can take a similar approach by tracking customer preferences—whether through purchase history, survey feedback, or social media engagement—and using that insight to tailor offerings, suggest relevant products, or refine their services to better meet customer needs.

Final Thoughts

A customer-first mindset isn’t just about satisfaction—it’s about long-term success. Businesses that invest in personalized marketing, seamless service, proactive engagement, strong relationships, and continuous adaptation will stand out in an increasingly crowded market.

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President’s Message: Happy Philanthropy Day!

March 12, 2025

President’s Message: Happy Philanthropy Day!

Longtime Chamber member and Chair of the Community Giving Foundation Board, Harry Mathias has a friendly bone to pick with Waze, the GPS navigation system that regularly brings commuters to their desired destinations. (Truth be told, after hearing Harry speak about it at this morning’s Community Giving Foundation Annual Meeting, I do too.)

Have you ever been on a trip and had your GPS announce, “You have arrived at your destination,” only to have it glitch out when you circle the block trying to find a parking spot? When that happens to me, I just want to say, “Be quiet, GPS, I’m not done yet!” In a far more eloquent version of this metaphor, Harry laid out the case for the recent success and the inspired future of the Community Giving Foundation. Drawing attention to the compelling story told by CGF’s Dashboard, Harry boasted about our amazing neighbors and what they’ve accomplished this year. By “neighbors”, I mean the philanthropy-minded people who are all around us and lift us up through their generosity.

These neighbors of ours, through Community Giving Foundation alone, generated a record-breaking $6,417,464.00 in charitable gifts through 1,369 unique donors in 2024. These unsung heroes equipped the organization in awarding $3 million through 722 grants and 310 scholarships. In short, the region’s proud tradition of impactful charity was on full display. The numbers speak to Harry’s point - the organization isn’t “circling the block”, or even tapping the brakes. No, Community Giving Foundation, through new initiatives, programs, grants and scholarships, continues their journey to leave our region a better place. They’re a testament to what makes this such a wonderful place.

But that’s not all. If ever there was a case to be made for a regional holiday to celebrate philanthropy, many in the non-profit sector would join me in dubbing today, March 12, 2025, “Philanthropy Day in the Columbia-Montour Region.” That’s because this morning’s event was just a part of the picture of ongoing charitable impact. I’d be remiss if I didn’t mention that in addition to the fine work of Community Giving Foundation, the First Community Foundation Partnership (CGF’s neighbor in Williamsport) and their annual “Raise the Region” campaign, a seven-county, 30-hour online giving event, begins tonight at 6pm. Many of our area’s nonprofits engage in the program, and I’d encourage you to consider visiting the site in support of these amazing nonprofits.

I’m encouraged and humbled to be part of a community that supports one another, especially as I realize that my children will benefit from the contributions of countless others. No doubt if you’re reading this, you’ve supported our community generously yourself. Thank you – but our work isn’t done.

Now more than ever, nonprofits need our help. At the conclusion of today’s meeting, the call to giving was not the most pressing call in the room. Rather, there was universal acknowledgement of one of our greatest opportunities – the need to develop volunteers who will give time, talent and treasure. The Chamber is committed to help on this front, through the work of our own Chamber Foundation and our flagship program, Leadership Central Penn, but most of all, we want to help you make the connections that leave a lasting impact on your hearts and minds. Help us connect you to the places you want to support.

If you’d like to support the Chamber’s nonprofits directly, I’d encourage you to take a look at the Chamber Directory, which is full of great organizations who serve the community. To make a connection through our staff, all you’ve got to do is call or email.

To give through the Community Giving Foundation, visit their site, and to give through Raise the Region, visit www.raisetheregion.org.

Happy Philanthropy Day to all!

Member News ~ March 6, 2025

March 6, 2025