Success Stories

"Down to Business" is a monthly half-hour program that covers the diversity of concerns, people and issues of the Howard County business community, which debuted in October 2006. Sponsored by j-ref, the program is hosted by j-ref Executive Director, Michael Mobley.

The targeted audience is small businesses, Howard County and BWC Chamber members, politicians, bankers, CPAs, business publications, entrepreneurs, and business students.

Host Mobley is a highly motivated, experienced and energetic business executive with over 20 years experience in finance, strategic planning and operations that facilitated growth, market share and profitability for various businesses. This was accomplished by leading the development of a vision and mission, while communicating business objectives, along with facilitating and motivating multi-functional groups to develop the strategies and implement the tactics to reach these goals.

For information on sponsoring the program, securing a copy of a particular show, or suggesting a guest, write to info@jref.org

Print Media Sponsor:


Comcast Howard County Channel 98
Mondays & Fridays: 12:00, 4:00 and 8:00 p.m.
Wednesdays: 12:00 and 4:00 p.m.

Airs a month following:
Gtv – Comcast Howard County Channel 99/Verizon 44
Tuesday: 11:00 a.m., 4:00 p.m., and 9:00 p.m.
Saturday & Sunday: 12:00 p.m.

Guest List:

May 2009
Panel discussion of Women in Technology:
Shirley Collier, Opetmax
Donna Stevenson, Early Morning Software, Inc.
Michelle Benvenga, UMBC’s Center for Women and Information Technology

April 2009
Main Guest – Kent Menser, Howard County BRAC
Advice segment – Mary M. Redmond, Howard County Small Business Development Center
Entrepreneur segment – Stanley Crump, Ellicott City Fitness & Karate

March 2009
Main Guest – Andrew Flott, Revere Bank
Advice segment – Mark Cissell, Katz Abosch
Entrepreneur segment – Trent Kittleman, GenderStrategy

February 2009
Main Guest: Robert A. Wasilewski, Baltimore-Washington Financial Advisors
Advice segment - Dennis Mattey, Mid-Maryland Workforce Investment Board
Entrepreneur segment – Steve Gloyd, Energy Management Institute

January 2009
Main Guest: Victor Broccolino, Howard County General Hospital
Advice segment: Eileen Quann – SCORE
Entrepreneur segment: Marty Madera – Financial ETC

November 2008
Main Guest: Kate Hetherington, Howard Community
Advice Segment: Betty Noble, Howard Community College
Entrepreneur: Jonathan De Wald, Trifecta Industries

October 2008
Main Guest: Jim Kucher, University of Baltimore Entrepreneurial
Opportunity Center
Advice Segment: Duane A. Carey, IMPACT Marketing & Public
Relations, LLC
Entrepreneur: Christine Abunassar, ThinkBiG

September 2008
Main Guest: Maggie Brown, Columbia Association
Advice Segment: Kris Valerio, Chesapeake Regional Tech Council
Entrepreneur: Elisa Kamens, Club Pooche

August 2008
Main Guest: Linda Burger, Howard County Small Business
Development Center
Advice Segment: Robert Wasilewski, Baltimore Washington
Financial Advisors
Entrepreneur: Shirley Collier, Optemax

July 2008
Main Guest: Jamie Waldren, UMUC Entrepreneur Development Center
Advice Segment: Wayne Swan, Howard Community College
Entrepreneur: Doralee Billings, Small Office Solutions

June 2008
Main Guest: Jennifer Blake: FIRN; Maria Smith: Pinnacle Career Resources
Advice Segment: Laurie Reuben: Serious Business Discussion Group
Entrepreneur: Jandie Smith Turner: Acuity Sports

May 2008
Main Guest: Mike Genna & Ed Sheehan, Assured Decisions
Advice Segment: Jeff Agnor, Davis Agnor, Rapaport & Skalny
Entrepreneur: Tony Hill, Edwards & Hill Communications

April 2008 - The "Green" Show in honor of Earth Day
Main Guest: Joshua Feldmark, Howard County Commission on the Environment & Sustainability
Advice Segment: Stan Sersen, Green Building Institute
Entrepreneur: Del D. Karfonta, GreenConnected.com

March 2008
Main Guest: Larry Collins, Howard County Economic Development Authority
Advice Segment: Robert Wasilewski, Baltimore-Washington Financial Advisors
Entrepreneur: Phyllis Greenbaum, The Classic Cup

February 2008
Main Guest: Gregory Hamm, General Growth Properties
Advice Segment: Dennis Kleppick, Business Finance Group
Entrepreneur: Dawn Cooper, A ‘ Dawn Home

January 2008
Main Guest: Jorge Austrich, DBED
Advice Segment: Brian Israel, Bay National Bank
Entrepreneur: Elizabeth Hess, BullsEye Computing Solutions