1. Grace Andrews andrewsgrace96@gmail.com
Inniswood
Metro Gardens
A Tribute to
Two Sisters
Inniswood Metro Gardens was once
the 37-acre estate of sisters Grace and
Mary Innis, who enjoyed gardening
and wildlife observation respectively.
enhance their gardens and woodlands
for the enjoyment of all people resulted
in the generous donation of their home
and property to Franklin County Metro
Parks in 1972.
To honor the memory of Grace
and Mary Innis, Metro Parks opened
the 2.8-acre Sisters’ Garden in 2002.
Designed to celebrate the complex-
ity of nature and the inquisitiveness of
“to nurture the nature of the child in
everyone”.
Visiting Hours
Inniswood Metro Gardens is free and
open daily throughout the year from
7 a.m. to dark.
Innis House, the former residence of
Grace and Mary Innis, is open Tuesday
through Friday 8am-4:30pm, Saturday
and Sunday 11am - 4pm and is closed
Monday and holidays.
For information about programs at
Inniswood, click on “Calendar of Events”
then on “Program Schedule” or call
Directions
Inniswood Metro Gardens is located at:
940 S. Hempstead Road
Westerville, Ohio 43081
• From I-270, take exit 29.
• Drive south on State Route 3 to
• Continue on Dempsey to Hempstead
• Continue on Hempstead as it turns
right just past the Blendon Township
Community Center.
Inniswood
Metro Gardens
Nestled within a scenic nature preserve,
the 121-acre Inniswood Metro Gardens
is a continual source of inspiration for
Central Ohioans of all ages. Streams
-
ers and wildlife provide a majestic
backdrop to the beautifully landscaped
Dedicated to cultivation and preser-
vation of nature’s treasures, Inniswood
boasts more than 2,000 species of
plants, specialty collections and several
theme gardens including the rose, herb
and woodland rock garden.
Visitors will enjoy the seasonal beauty
of the gardens and natural areas as they
stroll along three miles of trails and
paved pathways.
Inniswood
Metro Gardens
940 S. Hempstead Road
Westerville, OH 43081
(614) 895-6216
www.inniswood.org
Inniswood Metro Gardens is a facility of the
Franklin County Metro Parks. Operation and
maintenance funds are provided by the District,
however, continued growth and development
and philanthropic organizations.
1984 to assist the Franklin County Metro Parks
in the growth and development of Inniswood
Metro Gardens in a manner that is consistent
with the goalsand philosophies of the park
district. Additionally, the Inniswood Garden
Society assists with the promotion of Inniswood
by sponsoring horticultural programs for its
members and the public.
Society members receive an Inniswood Garden
Society newsletter, a vote at the annual meeting
and information on the activities and special
events at Inniswood. Membership in the Society
helps to assure the success of Inniswood and
brings a deep sense of involvement in knowing
that your membership is helping support this
excellent horticultural facility. Your membership
helps the Gardens grow!
To learn more about the Inniswood Garden
Society, please call (614) 895-6226.
Gardens are a
metaphor for
life itself...
a perpetual gift
renewing itself in
beauty and wonder
for all to enjoy.
Learning
and Appreciation
-
ture and the natural sciences for children
and adults. Dramatic displays of natural
and cultivated gardens, seasonal celebra-
tions and a variety of programs provide a
wealth of information and enjoyment.
education programs, a horticultural refer-
Inniswood Garden Society
Inniswood Metro Gardens Brochure • Adobe InDesign
2. Grace Andrews andrewsgrace96@gmail.com
Community Management Services
Company Overview
Crawford Hoying provides solutions for every aspect of real
estate in today’s ever changing market. In addition to manag-
ing approximately eight million square feet of multifamily
and commercial properties, Crawford Hoying and its affiliates
assist clients with asset acquisition and disposition. We also
offer a full range of development, construction, insurance
and risk management services. More than 200 team members
work for Crawford Hoying and its subsidiaries in the Colum-
bus Market, and more than 15,000 residents call one of our 30
communities their home.
www.crawfordhoying.com
The Crawford Hoying Difference
Rarely found in this industry, our approach is very systematic and
data-driven, with leadership as the key component. Borrowing
from the GE and Toyota business models, we focus on people and
process to deliver results.
At Crawford Hoying, we base our performance targets on beating
the market average, as defined by REIS. Specific occupancy, rate,
and expense ratio goals are set for each unique community.
After establishing strategic objectives, we develop operating
budgets, capital budgets and action plans to support the strategic
objectives.
Our point of pride is our ability to execute the plan. Standard
operating procedures establish clear expectations and produce
predictable results. Carefully selected leaders and team members,
coupled with incentive programs tied to the bottom line, ensure
everyone is committed to the same ideals – beat the market and
deliver results.
We closely monitor progress with weekly and monthly operational
reviews. Team members are reviewed three times per year.
Many companies measure, but few take action. At Crawford Hoy-
ing, action plans are modified to leverage newly discovered best
practices, avoid projected performance misses, or recover from
current performance shortfalls: plan, execute, measure, counter-
measure, execute, measure, countermeasure, etc.
Community Management Services
www.crawfordhoying.com
The Perfect Position
Crawford Hoying is a perfect partner. Large national com-
panies have their priorities on the east, west, and southern
coasts. Many have already exited the Midwest and Mid-
Atlantic. Based in central Ohio, we are committed to owners
in these areas.
Our Size Is Ideal
We Provide The Best Of Both Worlds
Small enough to be:
• Entrepreneurial
• Flexible
• Opportunistic
• Accessible
Large enough to deliver:
• Stability and Security
• Economies of Scale
• Revenue Share Opportunities
• Negotiated Volume Discounts
Critical Partners
In addition to our marketing partners, Crawford Hoying has
built a team of strong operational partners to deliver consistent
quality management throughout the entire process. The follow-
ing companies meet the same high standards we set for
our company:
CBC Innovis
Headquartered in Columbus, Ohio, CBCInnovis delivers
solutions such as credit reports, property information ser-
vices, employment and resident screening, and loan applica-
tion processing software services. CBCAmRent’s integratable
scoring and decision tools ease the screening process, improve
efficiencies and promote vacancy reductions. CBCInnovis and
AmRent give Crawford Hoying the best tools for selecting the
most qualified residents.
YARDI
Yardi Systems has set the standard for high-performance
software solutions and services for the real estate industry since
1984. They include deliverables or valuations, accounting, fore-
casting, budgeting, customer portals, electronic transactions,
payables and procurement for multifamily, commercial, retail
and homeowner association management.
Yardi has received accolades for both its impressive products
and accomplished staff.
REIS
REIS provides commercial real estate market information and
analytical tools for its customers. It maintains a proprietary
database containing detailed information on apartment, of-
fice, retail, and industrial properties in metropolitan markets
throughout the U.S. REIS is used by real estate investors,
lenders and industry analysts, and enables Crawford Hoying to
provide its clients relevant and accurate data.
Crawford Hoying Flyer • Adobe InDesign
4. Grace Andrews andrewsgrace96@gmail.com
“I was seeing what was happening around the world, and what
was happening in my backyard, and I was thinking, ‘This is not a
great idea,’” Mr. Towner said recently.
The resurgence of overall credit card use in the United States over
the last year or two has been driven largely by subprime borrow-
ers, according to the Federal Reserve, which has not looked at the
recent growth in borrowing by age.
But it is clear to economists who study payment patterns that
millennials are gravitating toward payment methods that skirt
both cash and credit. Why carry cash when you can whip out a
debit card for the smallest transaction — a sandwich or a bottle
of soda — or use an app like Venmo or an online payment service
like PayPal? All of those typically draw funds directly from a bank
account.
Mr. Elliehausen of the Federal Reserve said he expected the aver-
sion to debt among young Americans to continue, potentially
with a downside. Credit cards are frequently necessary for the
bigger purchases — like washing machines and computers — that
can make households more efficient and help the economy grow.
And credit cards are usually an essential part of the credit history
that allows someone to borrow to buy a house.
Only 37 percent of American households headed by someone
aged 35 and under held credit card debt in 2013, the most recent
year for which data from the Survey of Consumer Finances is
available, down by nearly a quarter from immediately before the
financial crisis. That statistic may undercount young cardholders
to some extent, as it excludes people under 35 who live with their
parents.
But more recent data has also suggested that millennials are using
credit cards less than people of a similar age did in the past — and
that they are taking on fewer auto loans and mortgage loans than
people of similar age did before the financial crisis.
Rebecca Liebman, 23, graduated from Clark University in 2015
with a load of student debt. She avoided getting a credit card until
earlier this year, and did so then only because she kept hearing
about how she would need to build up her credit history if she
ever hoped to get a mortgage.
“I don’t want to use a credit card irresponsibly, and because of
that, it’s scarier to use,” she said. “I grew up — I saw 2008 — I saw
my dad get laid off. I don’t trust the financial market.”
Today Ms. Liebman is a founder of a financial literacy site for mil-
lennials, LearnLux, and the reluctant holder of a Discover card.
Even after getting the card, it took her five months to overcome
her ingrained aversion to debt and make her first purchase — a
physical wallet.
She understands what the aversion will mean for her and for her
customers.
“It’s going to make me buy a home a lot later in life,” Ms. Liebman
said. “I think it will impact a lot of big decisions and push them
further out. There are some things that are going to be specific to
our generation around financial decision-making for sure.”
continued on page 15
Arciist quamet que nobitat volorep elluptatur, nAb inimpos andunt. Essin et, consenis reiusda cum enimet odit repero di odis et hiligna tinitas eiurem
Ro dolo consequi aspelle nimoloribus nobisint ium sinis at maio tem aut ium acia siminulparum quis aut veliqui aut laute corio tem ilis pores doluptas
Arciist quamet que nobitat volorep elluptatur, nAb inimpos andunt. Essin et, consenis reiusda cum enimet odit repero di odis et hiligna tinitas eiurem
Ro dolo consequi aspelle nimoloribus nobisint ium sinis at maio tem aut ium acia siminulparum quis aut veliqui aut laute corio tem ilis pores doluptas
13
August 2016
youngbusiness.com
Young Business Two Page Spread • Adobe InDesign
Kids these days: They just aren't pulling out the
plastic like they did in the past
Data from the Federal Reserve indicates that the percentage of
Americans under 35 who hold credit card debt has fallen to its
lowest level since 1989, when the Fed began collecting data in
a standardized way, according to an analysis by The New York
Times.
Some older Americans have also been shedding credit card debt
since the financial crisis that began in 2008. But for no other age
group has the decline in the proportion holding credit card debt
been more rapid than it has been for young Americans — who
are often referred to as millennials — the data from the Survey
of Consumer Finances shows.
“It’s pretty clear that young people
are not interested in becoming in-
debted in the way that their parents
are or were,” said David Robertson,
the publisher of The Nilson Report,
a newsletter that tracks the payment
industry.
Their reluctance could have lasting repercussions for millenni-
als, as well as for the financial system and the economy. Early
use of credit cards has, in the past, helped young Americans
develop a comfort level with credit that can last a lifetime and
lead to a succession of big purchases financed by debt. Without
a substantial credit history, it is much harder to take out a home
mortgage, for example.
“It will probably take them longer to get access to credit,” said
Gregory Elliehausen, an economist at the Federal Reserve spe-
cializing in consumer finance. “In the meantime, their behavior
and some of their habits will have already been formed.”
Over all, Americans’ use of credit cards has recently been creep-
ing up again: Household debt in the United States increased
by $35 billion, to $12.29 trillion, during the second quarter
of 2016, a 0.3 percent rise from the previous quarter that was
driven by credit cards and auto loans, according to a report
released on Tuesday by the Federal Reserve Bank of New York.
Banks say that their credit card operations
are running at full tilt, and that in recent
months the number of people having
trouble paying their bills has been at record
lows.
But many younger people have been sit-
ting on the sidelines, deterred by new laws
passed after the crisis and big loads of student debt. They are
also spooked by the temptation that credit cards offer to spend
beyond one’s means.
Jason Towner, a 32-year-old who works at a private equity firm,
cut up his last credit card, from Capital One, in 2010. He did
not have any unruly debts, but he had just watched his father
and sister close the family furniture store after a bank cut off
their credit line in the middle of the financial crisis.
HOW MILLENIALS BECAME
SPOOKEd BY CREDIT
CARDS
BY NATHANIEL POPPER
“IT IS PRETTY CLEAR THAT YOUNG
PEOPLE ARE NOT VERY INTERESTED IN
BECOMING INDEBTED IN THE WAY THAT
THEIR PARENTS ARE OR WERE”
Cepernatibusetaturalitquiationnobistabo.Nequatemarumemostiint,ommosautprovoloreporroconseritiorumreicatuscidquiullaboremipientotaeocculparumquibusetoffictomodit
quedolorerumnessitemconsedmi,quianonestiumreperiaconeteosesnonsesequeFeromoloreseinvelintusetomnicomnist,quitetexelisautet,officidebitasdoloremodiciautaut
12
5. Grace Andrews andrewsgrace96@gmail.com
Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Nam nibh. Nunc varius facilisis eros. Sed erat. In in velit quis arcu ornare laoreet. Curabitur adipiscing luctus
massa. Integer ut purus ac augue commodo commodo. Nunc nec mi eu justo tempor consectetuer. Etiam vitae nisl. In dignissim lacus ut ante. Cras elit lectus,
Faerie Lights Magazine Cover + Table of Contents • Adobe Illustrator
6. Grace Andrews andrewsgrace96@gmail.com
Blended with care from seed to sip
www.celestialseasonings.com
Celestial Seasonings Victorian + Art Nouveau Advertisements • Adobe Photoshop + Adobe Illustrator
8. Grace Andrews andrewsgrace96@gmail.com
BASED ON THE TRUE CASE FILES OF THE WARRENS
BASED ON THE TRUE CASE FILES OF THE WARRENS
D.V.D. Covers • Adobe Illustrator + Abobe Photoshop
9. Grace Andrews andrewsgrace96@gmail.com
BASED ON THE TRUE CASE FILES OF THE WARRENS
PAT R I C K W I L S O N V E R A FA R M I N G A
BASED ON THE TRUE CASE FILES OF THE WARRENS
PAT R I C K W I L S O N V E R A FA R M I N G A
Movie Posters • Adobe Photoshop + Adobe Illustrator
