PRO-GROWTH BUSINESS TAX REFORMS PASS HOUSE; FINAL PACKAGE INCLUDES POISON PILL
Source: PA Chamber of Business & Industry
Last Tuesday, the Pennsylvania House of Representatives passed House Bill 1219, tax code legislation that would make several significant changes to the Commonwealth’s business tax structure. In the course of considering this bill, the House voted on and passed two PA Chamber-supported amendments offered by Rep. Dallas Kephart (R-Clearfield) to accelerate the phasedown of the Corporate Net Income tax (CNI) and raise the cap on Net Operating Loss (NOL) deductions, respectively. However, the final tax package would also impose combined reporting as the new system for tax filings for multi-state employers, a measure which the PA Chamber strongly opposes.
In a statement, PA Chamber President & CEO Luke Bernstein welcomed strong support from both sides of the aisle for measures to speed up the CNI reduction and improve the treatment of NOLs.
“Once again, when lawmakers have an opportunity to vote on pro-growth tax reform to improve Pennsylvania’s business climate, these measures pass with strong bipartisan support,” Bernstein said. “Just like in the Senate Finance Committee earlier this year, it is clear that Republicans and Democrats all agree that we need to make Pennsylvania more competitive by reducing tax rates on businesses and encouraging companies to invest here in the Commonwealth,” Bernstein continued. Bernstein also pushed back on the combined reporting requirement, which he identified as a “poison pill.”
He cited an analysis from the Council on State Taxation (COST), concluding that such a system would transform Pennsylvania’s business tax structure into one of the most punitive and aggressive in the nation. Nevertheless, Bernstein emphasized the state’s potential to become “an economic powerhouse” with the right policies, given the Commonwealth’s many strategic advantages related to geography, natural resources, infrastructure, and workforce quality.
“Passing an expedited CNI and increasing the cap on NOLs without combined reporting would set Pennsylvania on a competitive path that would rival not only other states but other nations,” Bernstein said. House Bill 1219 passed in a party-line vote on Tuesday evening. It now heads to the Senate, where its fate is uncertain: the Senate could decline to consider the bill, amend and send it back to the state House, or vote for it as-is and, if it passes, send H.B. 1219 to the Governor for his signature or veto. As this process unfolds, the PA Chamber continues to work closely with lawmakers to advocate on behalf of Pennsylvania employers. If you have any questions, please contact PA Chamber Director of Government Affairs Neal Lesher at nlesher@pachamber.org.
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Founded in 1916, the Pennsylvania Chamber of Business and Industry is the state's largest broad-based business association, with its membership comprising businesses of all sizes and across all industry sectors. The PA Chamber is The Statewide Voice of BusinessTM. The Columbia Montour Chamber of Commerce is a member in good standing of the PA Chamber of Business & Industry.
Attention Small Businesses: Achieve Big Things When You ‘Think Small’
Preview
• Entrepreneurs are encouraged to have ambitious goals, but it is also important to take time to focus on the present.
• One way for small business owners to gain an advantage is to build a rapport with their initial customers: personalize support, actively solicit feedback, and create customer success teams.
• Focusing on small numbers associated with the business can lead to a better understanding of profit margins and ROI; investing in a strong POS system can help with this.
• Lastly, taking daily actions that support long-term plans and recognizing employees' contributions will help businesses grow and scale.
~ 672 words/ 3 min. read
Entrepreneurs, particularly those running small businesses, are often encouraged to aim high. What's the pace of your business growth? How soon can you onboard a team? What's the timeline for expanding to multiple locations? Although it's common practice to idealize an accelerated pathway to success, it is valuable to slow down and concentrate on the present. For those managing lean start-ups or small ventures, adopting a "think small" mentality has significant advantages. Here are three ways focusing on the little things makes a big difference.
#1 Learn from Your Initial Customers
Building a rapport with first-time customers is one of the most crucial actions a business owner can take. After all, they’re choosing your products and services for the first time. Understanding what drew them to your business is valuable feedback that will help your business grow. Was it the charm of your sales pitch, your interpersonal skills, or factors such as your product package or location?
Connecting with your customers is more than a growth strategy—it’s a differentiator. In their article, "Rapport-Building Questions: 68 Memorable Questions for Establishing Rapport with Customers," Hubspot suggests focusing on these strategies to build rapport with your business patrons:
Personalize Customer Support
Take time to learn your customers’ first names and use them to personalize communication. Survey and email automation tools have made adding personal touches easier than ever.
Actively Solicit Feedback
Customer reviews make a real difference in how many first-time buyers choose your business. Encourage customers to leave google reviews or testimonials through positive messaging or even incentives. The time customers take to leave a review and your gratitude fosters customer loyalty.
Create a Customer Success Team
Customer success and customer service have an important difference: the first is proactive and the second is reactive. By ensuring customers achieve their goals when they do business with you, you’re showing that you care about their experience and building long-term connections.
#2 Focus on Small Numbers
In addition to cultivating relationships with individual customers, Hannah Shr, senior program manager at ICA Fund, recommends concentrating on the smaller numbers associated with your business. These might include a single transaction, one SKU, a solitary purchase order, or a single credit card swipe. As inconsequential as these figures may seem, understanding them is key to unlocking broader concepts around your profit margins, sales, and ROI.
Investing in a strong POS (point of sale) system to help calculate this kind of data is one of the most important things a small business can do. The Small Business Association defines POS as including “the hardware and software related to transactions, such as the cash drawer, credit card swipe bar, barcode scanners, receipt printers, and more.” The SBA also notes that a quality POS system can help you do more than improve functionality and track real-time data, it can also help evaluate employee sales records, manage inventory, and prepare for taxes.
#3 Take Action Daily
Like most things in life, your vision becomes a reality when you execute consistently. When it comes to your business, consider the small actions you can take daily that support your long-term goals. The US Chamber of Commerce has 10 action steps small businesses can take to grow and scale that range from social media exposure to optimizing your website. And one of the most practical and important steps you can take today is recognizing your employees.
Hiring and retention have become even more challenging for employers in the last few years, but it’s also re-energized the conversation around workplace happiness and satisfaction. Jessica Elliot, US Chamber contributor, offers these helpful strategies for making employee recognition straightforward and effective:
• Gather employee details with a profile template you can use over and over
• Take high-quality images and create short videos of team member contributions
• Spotlight employees of the week/month on multiple channels, including your website
The Bottom Line
As you look to the future of your business, remember: thinking small pays big dividends. Focusing on the customer experience, employee satisfaction, and real-time data create a solid foundation for business growth. Each action you take will become a stepping stone for the business you’ve always wanted.
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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. Our resources provide insights, advice, and news that are relevant to business owners, entrepreneurs, and community members alike.
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Chamber Seeks Member Feedback for Commissioner Candidate Forums
The Columbia Montour Chamber of Commerce is pleased to announce that we'll once again be hosting Candidate Forums for the upcoming general election. On November 2, the Chamber will host a similar forum for the candidates for Columbia County Commissioner (Dean Brewer, Randy Karshner, David Kovach, and Edward Sanders III) in partnership with Commonwealth University, Bloomsburg.
The Chamber's Government Affairs Committee is hard at work preparing for each of these events, and at this time, we're offering Chamber members the opportunity to propose questions for the forums. If you have a question that you'd like to see us pose to the commissioners, please submit it below.
If you'd like to attend the events, please register here:
New Member Highlight – Pave It, Inc.
Pave It, Inc. offers Asphalt Paving, Asphalt Stamping, Concrete, Concrete Stamping, Retaining Walls, Landscape Curbing, Preventative Maintenance, Patch Paving, Sealcoating and that is just the shortlist. But the long of it is if you don’t see what you’re looking for, just ask. Chances are, if it’s about paving, they are able to do it.
2023 Third Quarter Compliance Digest
Source: My Benefit Advisor
Download My Benefit Advisor's 2023 Third Quarter Compliance Digest, featuring all of the released compliance bulletins for July through September. This document is a valuable resource, putting all of the latest health care reform news and updates in one location. Click here to download the 2023 Third Quarter Compliance Digest.
If you missed our Second Quarter email, click here to download the 2023 Second Quarter Compliance Digest.
Ready or Not, Year-End is Approaching: Ways to Reduce Your Tax Bill
Source: Lindsay Young, McKonly & Asbury
It is not too late to find some simple ways to reduce your tax bill for this year. Tax deductions (or “tax write-offs”) offset your taxable income, thereby allowing you to pay a smaller tax bill. Therefore, it’s important to make sure that you are both claiming all tax deductions available to your small business and claiming them accurately.
Items to Consider as Year End Approaches
Advertising and promotion – Want to send a holiday card or sponsor an upcoming client’s event? Deduct these items as marketing and advertising expense.
- Business meals – If you provided your employees with a holiday party, this social event is 100% deductible. However, lunch brought in, office snacks, team training or other meals with employees or clients, are only 50% deductible.
- Business insurance – Have you reviewed your insurance policies to make sure you are adequately covered for emergencies? Are there additional insurances you should consider? A common missing insurance is protecting yourself against possible cyberattacks.
- Business use of your car – Have you discussed with your accountant the best method to record vehicle expenses? There are two methods available: either the standard mileage rate or the actual expense method. Are you tracking mileage correctly? Apps, such as Mile IQ, can help simplify and increase accuracy of mileage tracking.
- Depreciation – Did you purchase any new furniture or equipment? Assets purchased over $2,500 should be capitalized and depreciated over the asset’s useful life, while items under $2,500 may be recorded as a direct expense.
- Education – Are there available learning opportunities at an upcoming seminar or workshop to improve skills and help your bottom line? Consider registering your team today for these continuing educational courses and include this a business expense deduction.
- Gifts – Thinking about giving a gift to your employees during the holiday season? You can deduct no more than $25 of the cost of business gifts that you give directly or indirectly to each person during your tax year. Incidental costs such as engraving, packing, or shipping aren’t included in the $25 limit if they don’t add substantial value to the gift. Any item that could be considered a gift or entertainment is generally considered entertainment and cannot be deducted.
- Home office – Conducting work from your home office? Depending on your situation, a dedicated office space in your home that’s used solely for business may qualify you to deduct certain home office expenses on your personal income tax return.
- Interest – If you are making loan payments, make sure you’re allocating the applicable interest paid to the profit and loss statement as interest expense.
- Legal and professional fees – Yes, those accountant fees are deductible, along with applicable bookkeeping or services provided by lawyers.
- Merchant service charges and bank fees – You can deduct merchant fees paid to a third-party like PayPal or Stripe. Are you coding these correctly in the accounting software to ensure that you are appropriately representing your gross sales and recognizing your merchant fees?
- Rent expense – Rent paid for traditional office space, along with equipment rentals, are both deductible expenses.
- Salaries and benefits – Review year-to-date payroll expenses to ensure that you have accurately reflected gross to net payroll, employer taxes paid, and benefits.
- Taxes and licenses – Payments for state licensing or business privilege taxes should be recognized as an expense. Most payments for personal taxes should be coded as an owner’s draw (not expensed).
Telephone, internet, and utilities – Review your business usages annually to deduct any business portion of applicable phone, internet, and utility related expenses. - Travel expenses – Business travel is a deductible expense. Maintaining copies of applicable business receipts while traveling is important. Documentation, including travel and event details, ensures creditability in an audit.
- Personally paid business expenses – Did you pay any business expenses with personal funds? If so, those can be deducted as business expenses. Work with your accountant to record these. Make sure you have all associated receipts to support the expenses.
The IRS has specific criteria regarding many of the tax deductions listed above. Many of the deductions listed may or may not be available to your business. Best practice is to consult with your tax advisor or CPA before claiming a deduction on your tax return.
Have a financial check-up soon, so YOU ARE READY FOR YEAR-END!
If you would like to talk to one of our professionals on this topic or any other business-related topic, please do not hesitate to contact a member of our Advisory and Business Consulting team, such as Lindsay Young.
Business Matters Hits Newsstands
Thanks again to our partner The Press Enterprise, the newest edition of Business Matters has officially hit newsstands (today)! Inside the edition, you'll see a recap of the last quarter's member news highlights, ribbon cuttings, events, and more. You'll also learn about upcoming programs and events, and business news that will impact your business in the coming months. Special thanks to Special Editions Editor Shawn Stair for another wonderful publication.
Would you like copies of Business Matters for your waiting room or lobby, or to share with your friends? Stop by the Chamber or request copies by calling (570) 784-2522.
Governor Shapiro Unveils Economic Development Strategy
Source: PA Chamber of Business and Industry
PA Chamber President & CEO Luke Bernstein joined Governor Josh Shapiro and York County Economic Alliance President & CEO Kevin Schreiber at a press conference at Penn Air in York last week in which the governor announced that his administration will formalize an ambitious economic development strategy for Pennsylvania – the first time such a plan will have been proposed statewide in nearly two decades.
Standing alongside Penn Air CEO Seth Bray, Department of Community and Economic Development (DCED) Secretary Rick Siger, and Pennsylvania’s Chief Transformation Officer Ben Kirshner, Gov. Shapiro called the plan a “new, forward-looking strategy to ensure Pennsylvania becomes a national leader in innovation, job creation, and economic development.
The themes emphasized by the Governor align closely with many of the pro-business reforms long championed by the PA Chamber. As the Statewide Voice of Business, our organization has advocated for a statewide economic development strategy, and we are pleased that Gov. Shapiro and his administration have answered that call to make Pennsylvania more competitive.
At the forefront of this strategy is a commitment to simplicity and efficiency in state operations. The first step of this plan, Shapiro said, will be “simplifying the landscape of available programs and incentives available through DCED and growing a smaller set of essential tools that will be the most useful.”
Earlier this year, an official review by the Shapiro administration identified more than 2,400 state licenses, permits, and certifications that fall under the governor’s jurisdiction.
The creation of the Office of Transformation and Opportunity marked a pivotal step toward streamlining these processes, so much so that the PA Chamber made codifying the governor’s executive order one of the pillars of our comprehensive permitting reform framework.
In his address, Shapiro noted the office’s efforts will be another key part of this broader strategy, focused on making it easier for businesses to relocate or expand into Pennsylvania.
The governor also announced the launch of a new pilot program to support the redevelopment of business spaces across the Commonwealth. The Pennsylvania Strategic Investments to Enhance Sites Program (PA SITES) will provide at least $10 million in grant funding to assess existing sites across the Commonwealth and prepare them for remediation.
Additional areas of focus outlined by the governor include providing targeted support to some of Pennsylvania’s fastest-growing industrial sectors (such as life sciences, agribusiness, manufacturing, technology and robotics, and energy) and fostering small business growth.
The plan itself will be created following a series of listening sessions with business and economic development leaders which DCED plans to host across the state in the coming weeks. The administration conducted similar meetings over the summer.
The PA Chamber welcomes this collaborative approach to economic development, and we look forward to working closely with Gov. Shapiro and his administration to enact meaningful reforms that will help make Pennsylvania the most competitive state in the nation for business.
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Founded in 1916, the Pennsylvania Chamber of Business and Industry is the state's largest broad-based business association, with its membership comprising businesses of all sizes and across all industry sectors. The PA Chamber is The Statewide Voice of BusinessTM.
Why Understanding Workplace Personality Boosts Company Culture
• Workplace personalities can be broken down into 4 distinct types: Go-Getters, Loyalists, Career Builders, and Lifers.
• Go-Getters are motivated by challenge and opportunity; Employers should provide them with chances to take on challenges and learn new skills.
• Loyalists place value on stability and predictability; Employers should focus on providing clear paths for advancement.
• Career Builders are always looking for new opportunities; Employers need to offer challenging work assignments as well as career growth within the company.
• For Lifers, employers need to provide stable, long-term positions that make them feel connected to the company mission and build meaningful relationships.
• No two people are wired the same way, so understanding what motivates employees benefits both workers and employers alike.
~ 625 words/ 3 min. read
What’s motivating your employees? It turns out that workers want a lot more than a paycheck and job flexibility. In fact, some of what they want is rooted in personality and workplace psychology.
Workplace personalities can be broken down into four distinct types of workers. Understanding the different types of workers and what motivates them can lead to greater job satisfaction and a better fit between employer and employee.
4 Types of Workplace Personalities
Go-Getters
Go-getters make up the smallest group of workers, but they are also the most likely to be satisfied with their jobs. This group is motivated by challenge and opportunity; they want to continuously improve their skills and grow within their companies. For employers, this means providing go-getters with opportunities to take on challenges and learn new skills.
Many go-getters are also what Psychology Today contributor Melody Wilding, a professor of Human Behavior, refers to as a “sensitive striver.” While this type gives 100% to their job, they also process information and emotions on a deep level. This combination is part of what makes them top talent, but it can also lead to burnout. Managers attuned to the stress of high achievers can help them translate their effort into success rather than self-sabotage.
Loyalists
Loyalists are devoted to their employers and place a high value on stability. They are motivated by predictability and routine and prefer to stick with what they know. In the present economy, employers would be unwise to rely too much on loyalists to stick around if the work environment is poor or pay is not competitive. Still, understanding what motivates loyalists can help companies serve this personality type better.
Employers can improve worker satisfaction for this group when they focus on stability and predictability in their jobs. Additionally, loyalists are often looking for opportunities to move up within their companies, so employers should provide clear paths for advancement.
Career Builders
Career builders are similar to go-getters in that they are motivated by challenge and opportunity. However, unlike go-getters who are looking to grow within their current companies, career builders are always on the lookout for new opportunities—even if that means changing jobs.
For employers, this means offering career builders challenging work assignments as well as opportunities for growth within the company. According to Forbes’ contributor and workplace consultant Heidi Lynn Kurter, the Great Resignation could have been avoided by tending to the needs of career builders.
What motivates them? Here’s what Kurter says tops the list: compensation and pay transparency, job flexibility, a positive work culture, and inclusive policies ranging from dealing with loss to infertility.
Lifers
Lifers make up the largest group of workers and are defined by their loyalty to their companies. Like loyalists, lifers place a high value on stability and predictability. However, unlike loyalists who are interested in moving up within their companies, lifers are content with remaining in their current positions for the long haul.
For employers, this means offering lifers stable, long-term positions. Staying with a company for your whole career isn’t as common as it once was, and employers shouldn’t take this type for granted. It’s important that employers recognize that lifers also have external opportunities and are choosing to stay with the company at many different points along the course of their career. Make sure lifers feel connected to the company mission and provide them with opportunities to build meaningful relationships with coworkers and superiors.
No Such Thing as an Average Employee
Above all else, it's important to remember that not every person is wired the same. Understanding what motivates employees benefits everyone. It helps workers find meaning in what they do, and it helps employers invest wisely in hiring and retaining employees who can contribute to a strong company culture.
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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. Our resources provide insights, advice, and news that are relevant to business owners, entrepreneurs, and community members alike.
Member News – October 4, 2023
PA Chamber Announces "Best of Fall" Competition - Bloomsburg Fair is nominated
First-round voting is open now through October 6th for the first annual Pennsylvania "Best of Fall competition. The 32 Best of Fall nominees included in this year’s tournament will face off in a single-elimination bracket format with winners chosen through public voting on the PA Chamber’s X page and, for the final 24 hours of voting only, the PA Chamber’s Instagram page. The Bloomsburg Fair is among the nominees! Learn more about this competition and VOTE!
IMC hosting webinar October 17th
The IMC will be hosting a 55-minute webinar called Meeting the HR Challenge October 17th. This webinar will help identify and invigorate a new or refreshed awareness of several important elements of meeting today’s HR challenges, especially those directly connected with workforce trends. Learn more and register here.
The Exchange Calls for Entries
The Exchange calls for entries for their October 16th show "Food for Thought" and their annual "Cash & Carry" will celebrate 10 years this November. Learn more on how to enter your artwork.
North Shore Railroad Company & Affiliates Newsletter out now
Take a look at the third quarter newsletter from The North Shore Railroad Company & Affiliates.
MARC posts an invitation to Bid for 2024 Lawn Care
Sealed bids for lawn care at the various properties managed by the Montour Area Recreation Commission (MARC) will be received by MARC at any time until 6:59pm on Monday, October 23, 2023. Get the invitation to bid packet here.
Tina Welch presenting at SBDC workshop
Tina Welch of Welch Performance Consulting is presenting at the Bucknell SBDC's October 18th "I'm Ready to Hire! What do I do now?" workshop. This IN PERSON event will explore: Your shift from technical expert to leader, manager, motivator, how to hire for both culture & competence,
the role of change management including role clarity, process, and communication, and employment Law 101 elements that can help you hire smart and stay out of trouble -common first-time employer myths & mistakes will be addressed. Sign up today!
Covered Bridge Festival happening October 5 - 8
The 41st Annual Covered Bridge & Arts Festival will have something for everyone! The Festival is one of the largest craft festivals on the East Coast, and four-day annual attendance is typically near 150,000 visitors. Learn more.
Senator Lynda Schlegel Culver opens satellite office
On Sept. 27 Senator Lynda Schlegel Culver opened a satellite office at the Salem Township Municipal Building, 38 Bombay Lane, Berwick. The office’s operating hours are on Mondays and Wednesdays from 8 a.m. to 4 p.m.
BTE Fall Theatre School Workshops
Mythology-loving kids and teens are encouraged to sign up for the Bloomsburg Theatre Ensemble’s Fall Theatre School: Greek Mythology Mayhem! Learn more about ages and class dates.
Bloomsburg Children's Museum October Events
Two special events are happening at the Bloomsburg Children's Museum in October. Mom & Son Dinosaur Brunch and Harry Potter Day. Learn more.
PA Build My Future day Happening October 12th
PA Build My Future gives students the opportunity to have a day to work in the construction and design industry through an interactive showcase. This program is for students entering grades 10-12. Learn more and register.
Apollo Point Hosting Dogtoberfest
October 13 - October 15 the first ever Dogtoberfest benefit will be held at Apollo Point. Learn more!
Luschas, Naparsteck & Crane Welcome new Associate
Luschas, Naparsteck & Crane welcomed Kyle Cosoleto-Miller as their new associate. Attorney Cosoleto-Miller graduated from Bloomsburg University (now Commonwealth University of Bloomsburg) and the University of Pittsburgh School of Law. He is a native of Bloomsburg, Pennsylvania. His practice areas include estate administration, civil litigation, personal injury, real estate, and estate planning.
The Women's Center hosting Domestic Violence Awareness Month Survivor Series
Every1KnowsSome1 recognizes how domestic violence not only effects an indiviudal but an entire community. On October 17 there will be a discussion on ways the community can work together to end domestic violence while hearing survivor stories from Crystal Silva and Jenny Rose. Register today.
Affordable Care Act Refresher - Employer Responsibilities Webinar to be held October 18th
Join the My Benefit Advisor compliance team for a review of ACA rules and regulations as well as best practices. They will provide key information for our broker partners to share with their Applicable Large Employers (ALEs), employers close to the 50-life threshold, and level/self-funded groups under 50. Click here to register.
Thrivent hosting fellow Chamber Member Cardinal Estate Planning for a workshop
Join Thrivent Financial and Cardinal Estate Planning for an informational estate planning workshop focused on estate planning on October 26th. Learn more about this workshop.
Bloomsburg YMCA looking for Trunks
Bloomsburg YMCA is searching for families, businesses, and organizations to participate in Trunk or Treat! See more details.
Celebration Villa Hosting Fall Festival
October 25th Celebration Villa of Berwick will be hosting a Fall Festival. This event is open to the public! There will be several activities to do such as: pumpkin painting, spooky cookie decorating, a walk through the haunted courtyard, trick or treating, and more!
Penn College Hosting Attack Surface Management Summit
Join Pennsylvania College of Technology and IBM Security for a half-day knowledge sharing summit on Attack Surface Management, Threat Intelligence, and in-demand Career Skills by leading organizations. Registration deadline is October 31st.
Halloween Events
- Ken Pollock Ford hosting Trunk or Treat on October 23rd 5:00 pm to 7:00pm
- Danville Halloween October 26th beginning at 7:00 pm.
- Town of Bloomsburg Trick or Treat night October 31st, 6:00 pm - 9:00 pm.
Commonwealth University of PA - Bloomsburg hosting public lecture series starting November 1
Please join us at the Commonwealth University of PA, Bloomsburg campus on the following dates for a public economic lecture series. These events will be live-streamed please visit their website for more information.
Luzerne County Community College hosting Fall Career Fair
LCCC will be hosting a fall Trades & Technology Career Fair in November and is looking for businesses to participate. Learn more and register today!