Seasonal Flu Vaccine

Eastside Medical Urgent Care will be hosting seasonal flu vaccine clinics at their facility located at 2226 Penfield Road (Route 441) in Penfield, just east of the Route 250 intersection. Most area insurance companies provide full coverage for seasonal flu shots. No appointment needed. 

Dates and Times
Thursday, November 5th - 9AM - Noon
Wednesday, November 11th - 9AM - Noon
Tuesday, November 17th - 9AM - Noon.

Margarita and Wine Event
Thursday, November 12th & 19th, 7:00 pm
Mud About You

Our next Margarita Glass/Wine Goblet Painting Party is Thursday 11/12 at 7pm.  Come in, paint your choice of pottery (margarita glass or wine goblet),

The following week on Thursday 11/19 at 7pm, meet us at Los Amigos (30 seconds from Mud About You) as we unwrap your art, become light headed from your inspiring artistic ability and enjoy a margarita or glass of wine.

For more information, contact:
Chuck Jones at 585-248-3790

Join Penfield Fitness & Racquet Club and the PBA for a Casino Night Fundraiser
Saturday, November 21, 7:30pm - 10:00pm
Penfield Fitness & Racquet Club
667 Panorama Trail West 

Tickets are $25 each and include $50,000 is "play money" to use at the fantasy casino tables. A variety of tasty appetizers will be provided. A cash bar is available.

Prizes will be given away at the end of the evening.

A portion of the proceeds will benefit SIS, a nonprofit organization providing financial assistance to those fighting breast cancer.

Purchase tickets by contacting Diane Thresh (746-6758) or Chuck Jones (248-3790).

We are also looking for event sponsors for the evening. This is a great way to gain BIG visibility with the east side of Monroe County community. Please contact Diane Thresh for details about the benefits of being a sponsor at the event. 746-6758 or dthresh@mosaicmktg.com.

Distinct Mugs from a Touch of Excellence

PBA member Touch of Excellence is offering a special discount on three different mug designs for members of the PBA. To place an order or for more information contact Amy Pellow, 739-2100, apellow@rochester.rr.com.

The Member-to-Member Discount Program has been revitalized for 2009. All members are encouraged to develop some type of discount, coupon, or incentive for fellow members to encourage solicitation of each other's businesses.

Businesses who offer member to member discounts will be given recognition in each monthly e-newsletter and at all PBA sponsored events. Additionally we will soon be issuing new signs for you to proudly display in your store.

More details can be found on the Member to Member Discount Program page located on the PBA website. Please contact us for more information or if you would like to participate in this program. If you are interested in taking advantage of any of these incentives, be prepared to show your membership card at the participating businesses.

Penfield’s 2009 Economic Development Activities and Future Plans presented by Jim Costello from the Town of Penfield
PBA Community Series
Thursday, November 5th, 11:45 am - 1:30 pm
Penfield Country Club, 1784 Jackson Road 

Do you want to know about the vacant business spaces at the Four Corners, potential Baytowne development, the new senior center under construction on Rte. 250? Don’t miss this opportunity to hear Jim’s presentation discussing all of Penfield’s business districts... what’s new, what’s pending, and what’s possible.

The PBA annual meeting and election of Board of Directors will follow the presentation.

Lunch will be served!

Members and Non-members: $20

All members are invited to bring business promotional materials for our “Building Business Relationships” table.

Contact Lynne Crawford at lcbiz@rochester.rr.com or 585-671-9102 to let her know how many will be attending. We understand that conflicts arise that may prevent you from fulfilling your rsvp. Since the PBA is responsible for covering the cost for all rsvps, we encourage you to send someone in your place if you are unable to attend.

Vote for Your PBA Board of Directors on November 5th

Come to the meeting at Penfield Country Club on November 5th and actively participate in choosing the PBA Board of Directors and the direction in which you wish the PBA to continue for 2010. This is the time to make yourselves heard!

PBA Seeking Board Candidates

The PBA is looking for candidates interested in joining a dynamic group of board members all working toward building business vitality in Penfield.

Board members serve for a term of two years. During the term, board members attend monthly board meetings, organize and participate in a number of initiatives and work closely with other members of the PBA to develop and execute programs beneficial to promoting business throughout Penfield.

Elections of board members will take place at our November 5th annual meeting. Seven board seats are open for candidates. Existing board members that are up for re-election include Chris Herlong (VP), Lynne Crawford (Secretary), Ann Young (Treasurer), and Dennis Shew. PBA Members seeking new election to the Board include Leslie Morgan and Keith Lopresto. Any other member interested in a Board position is encouraged to run.

The PBA membership is a terrific group of people to spend time with. Whether you live in Penfield, own a business here or work for a business located in this area, there is a spirit about this business community that is exciting. We hope you will consider joining us and work with the board to create an organization that we can all be proud of.

If interested in running, show up at the November 5th meeting at the Penfield Country Club.

Increase Your
Online Networking Power

The Penfield Business Association now has its own page on Facebook! Click the link to become a Fan.
http://www.facebook.com/pages/Penfield-Business-Association/114999697312?ref=ts.

You can also join the Penfield Business Association on LinkedIn.
http://www.linkedin.com/groups?gid=157381&trk=hb_side_g.

Bicentennial Banners Give Added Visibility to Your Business EVERY DAY in 2010

The PBA is helping to coordinate the promotion of special bicentennial banners that will hang throughout Penfield for all of 2010. This is a great way for our members to add their support to the bicentennial celebration and to have their business name seen by thousands of people traveling to and through Penfield.

Here is a breakdown of the banners available for purchase. In addition to your two-sided banner hanging at the location you chose, this cost also includes one FREE 16” x 46” two-sided banner for you to display in your place of business. Banners will be sold on a first come, first serve basis so if you are interested, please email Diane Thresh (dthresh@mosaicmktg.com) right away. We think these will go fast!

16” x 46” Banners = $300 each banner
22 banners are available at the intersection of Rt. 250 and Rt. 441
10 banners are available at Penfield’s Four Corners

30” x 80” Banners = $400 each banner
4 banners are available at the intersection of Rt. 250 and Rt. 441
4 banners are available at the intersection of Bay and Empire
10 banners are available on Empire Boulevard
2 banners are available at the intersection of Blossom, Creek and Browncroft

Business names only (white printing). Company logos cannot be included. Payments are due September 30, 2009.

Please Note: The four larger banners at the intersection of Rt 441 and Rt 250 have been sold. Please act now to reserve your banner.

Boy Scout Troop 9 Raising Funds for Equipment Trailer

The Troop, based out of Penfield High School, is working on raising money to purchase a new trailer for their equipment. The trailer will cost $3000 and the Troop is hoping that local businesses will offer their support through donations.

Businesses making a donation will have their name printed on the trailer and they will be recognized at the dedication of the trailer and in the local media through press releases.

If you are interested in helping the Troop, please contact Chris Klajbor at chris@frontierglassinc.com or 585-586-4240.

Holiday Shopping Night Out
Hosted by Penfield Cheerleaders
Friday, December 4th, 6:00 - 9:00 pm
St. Joseph’s Catholic School – in the Gym
43 Gebhardt Road, Penfield, NY

This event is hosted by the Penfield Cheerleaders, JV and Varsity. 

30-40 booths to shop at.  Music, snack items and food will be available.  Silent Auction, 50/50 raffle.  Come and support the team while shopping for unique and unusual gifts.

We are looking for community support in the following ways.

Be part of this special event:   Contact Deb McCord at 585-377-3089 or demccord@yahoo.com  for more information on a booth.

Check out our Community Calendar!
Please visit the PBA website to view a complete list of Penfield events.

What Should You Do with 401(k) after a Layoff?
by PBA Member Curt Regruit, Edward Jones

As you’re no doubt aware, the long and deep recession has resulted in the highest unemployment rate in decades. But if you’ve been laid off, or if you fear a layoff may soon be coming, you’re less interested in statistics than in your immediate financial future. How will you get by until you land a new job?

This is a scary question, of course. And it can cause you to look at all your available financial resources — including your 401(k), which may well be the largest single financial resource you have.

But before you cash out your 401(k), make sure you understand what’s involved. Your former employer is required to withhold 20% of your account balance to prepay federal taxes. Also, all your 401(k) proceeds will be taxed as ordinary income. And if you’re under age 59½ when you liquidate your 401(k), you may also be subject to a 10 percent penalty. And worst of all, the money may not be available to you when you retire.

Obviously, if you have no other financial resources, you may have no choice but to tap into your 401(k) plan. However, if you can find an alternative way to tide yourself over until you’re working again, you may be better off in the long run by not cashing in your plan.

If you decide against the “cash-out” option, what can you do with your 401(k)? Here are two possibilities:

• Keep the money in your former employer’s plan. If your former employer permits it, you may able to leave your money in your 401(k). You won’t have to pay any immediate taxes, and your money can continue to grow tax deferred. But you may no longer be able to add funds to your account.

• Roll your money over to an IRA. If you roll over your 401(k) assets to an IRA, you’ll avoid paying immediate taxes, and your money can continue to grow tax deferred. Furthermore, you can fund your IRA with many types of investments, as opposed to a 401(k), which may offer only a handful of choices. And when you can afford it, you canmake additional contributions to your IRA.Also, when you retire, youmay find that an IRA gives you more flexibility in making withdrawals than a 401(k).

While there are some clear benefits to keeping your 401(k) with your former employer or moving it to an IRA, neither choice helps you answer the question of how you’ll make it, financially speaking, until you’reworking again. If you’ve built up a cash cushion in the preceding years, you can turn to it now, of course. And if you’ve created an investment portfolio outside your 401(k), take a close look at it. You can consider adjusting your investment mix to add more income producing investments, if appropriate. Keep in mind that your portfolio should reflect your risk tolerance, long-term goals and time horizon.

A layoff is never easy — and it can force you to make some tough choices. But if you can help protect your 401(k) today, you’ll be helping yourself tomorrow.

*Edward Jones does not offer tax or legal advice. Consult with a competent tax or legal advisor about your specific situation.

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