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"Think Frailey First"
Our sincere condolences of the passing of Mr. John M. Frailey, the second generation owner of Frailey Insurance and Financial Services.

Services will be held on Saturday, August 15, at 1pm at Reeders United Methodist Church in Reeders, Pennsylvania with Dr. Jeffrey Weber officiating. Due to COVID-19 uncertainties, we request that anyone planning to attend the service RSVP to

John M. Frailey 10/09/1937 - 06/30/2020

John M. Frailey, 82, of Tannersville, died Tuesday, June 30. He was the husband of Arlene L. (Kauffman) Frailey. They would have shared 60 years of marriage on August 20, 2020.

Born on October 9, 1937 in Bartonsville, he was a son of the late Verdon E and Frances M (Cyphers) Frailey. He graduated from Pocono High School in 1955 and from East Stroudsburg State College in 1960 with a degree of Bachelor of Science in Education. He began his teaching career at Northampton High School where he taught physics for eight years. In 1963 he began working part-time as a solicitor for his father's insurance firm and in 1968 transitioned to a fulltime insurance career as the 2nd generation owner of Frailey Insurance Agency in Stroudsburg.

Over 46 years John achieved many company and industry awards including the National Quality Award, Million Dollar Round Table, and in 1996 induction into the Nationwide Insurance Company Hall of Fame as one of its top 18 agents in company history.

John was very involved in community organizations and activities including:

Gideons International - 53-year member including serving a Past Pennsylvania State President and State Secretary, local camp President, Chaplain, and Secretary, with a highlight being his ministry trip handing out Bibles in Venezuela; Reeders United Methodist Church - lifetime member serving in many capacities including Sunday School Superintendent, Sunday School teacher, Board of Trustees, and Chairman of the Administrative Board; Pocono Area Youth for Christ - Chairman of the Board and Interim Executive Director; Youth for Christ-USA - Chairman of the Board; Lehigh Valley Youth for Christ - co-founder and board member; Delaware Valley Christians Pilots Association board member; Wildlife for Everyone Foundation – President and board member; Spring Run Hunting Club; Pocono High School Alumni Association President; Rotary International 40-year member; Stroudsburg Torch Club President and member; Pocono-Jackson Historical Society board member; Mercedes Benz Club of America Northeast Section member; Pocono Medical Center – Chairman of the Board of Directors, past member of the Foundation Board of Directors, and member of Fundraising Committee; Pocono Leadership Prayer breakfast – 20-year sponsor and assisted in establishing the event; Blue Ridge Hook & Ladder Fire Company 20 year member and treasurer; Pocono Life Underwriters Association member and Past President; Boy Scouts of America Minsi Trails Council Cubmaster of Pack 84; Monroe County Church Bowling League 30-year participant; Safari Club International member; North American Hunting Club member; Rocky Mountain Elk Foundation member; National Federation of Independent Business member; Christian Business Men's Committee member; Pennsylvania Federation of Sportsmen's Club member; Pocono Mountains Chamber of Commerce; Little League Baseball team sponsor. John and his wife Arlene also owned and operated the Eagle's Nest Christian Bookstore on Main Street in Stroudsburg for five years.
Over the years he received numerous awards and recognitions including:
Salvation Army Others Award; Rotary International Paul Harris Fellow Level 3; Nationwide Insurance Company - President's Club 32 years, Executive Award 14 years, Challenger Award 17 years, Key Award-Health 2 years, Life Eagle 5 years, Champion Award 8 years, Wilkes-Barre Sales Region Agent of the Year 1979 and 1983, EPARO Service Award 1983, Commercial Business Award 4 years, Agent's Advisory Council, Agent's Hall of Fame as one of top 18 agents in company history at the time of his induction in 1996. Public Speaker; Gideons International, University of Scranton Small Business Management Course, Monroe County Area Vo-Tech School Adult Evening Program.

In addition to his wife, surviving are twin children, son Michael J. Frailey and his wife Leigh of Stroudsburg, and daughter Michele Miller of Myerstown; Granddaughter Elizabeth Frailey; Sisters Ada Mae Saxton of Granville Summit, and Elizabeth A Snyder and husband Charles of Ft. Myers, Florida; Brother-in-law H. Avon Doll Sr. and wife Gale of Stroudsburg; and many nieces and nephews. He was predeceased by brother Graydon Frailey and wife Martha, sister Ruth Doll, and Brother-in-law Wayne Saxton.

The service will also be broadcast and recorded via YouTube Live. Private Interment will take place at the convenience of the family in Reeders United Methodist Church Cemetery.

In Lieu of flowers, the family requests that memorial donations be made to:
Gideons International, PO Box 758, Stroudsburg, PA 18360
Youth for Christ, PO Box 820, Stroudsburg, PA 18360
Reeders United Methodist Church, PO Box 187, Reeders, PA 18352
or to one of the many worthy organizations John served.

Guidance Available to Safely Reopen Pennsylvania Schools
As many parents, teachers and administrators continue to prepare for the return to school in the fall, the state Department of Health and state Department of Education recently announced guidelines to safely reopen school buildings. The guidance includes recommendations for best practices on social distancing, health screenings, meals, extracurricular activities and more.
Under the new guidance, each school entity will determine whether classes will resume through in-person instruction, remote learning, or a combination of both. Questions and concerns about reopening plans should be directed to local school boards and other education entities.
Lawmakers approved $150 million in CARES Act funding to help schools navigate the challenges created by COVID-19.

When changes occur in consumer trends and needs, it can be a good time for small business owners to alter or pivot their operations to better serve customers and the core values of their business. You’re probably not surprised to hear that new research shows COVID-19 has impacted consumer behavior. According to McKinsey, consumer behavior will continue to evolve with the long-lasting impact from the pandemic.1 This means that small businesses that can adapt in response to the changing needs of consumers have the best chance for survival.
First, here’s what it looks like when a business “pivots.”
When a small business owner makes dramatic changes to their original business focus, it's referred to as pivoting a business.2 This usually includes a change in business model, altering what the business does to earn a profit. For example, a restaurant may begin offering pickup or delivery options, or a gym may add online classes to their existing in-person membership offering.
Small businesses that can adapt in response to changing market needs have the best chance for survival. The Harvard Business Review called adaptability the new competitive advantage in 2011.3 A recent study released by Advantage | ForbesBooks found that the adaptability quotient (AQ) of a business plays a critical role in its ability to survive.4

Should you pivot your business?
To determine whether you should pivot your business, you’ll need to identify your business’s core competencies, conduct market research and complete a competitive analysis. Follow these steps to determine whether and how you should pivot.

Step #1: Identify your business’s core competencies. Consider what gives your business a competitive advantage. Core competencies are typically difficult to duplicate, allowing you to serve your customers in unique ways. The Balance Small Business notes that successful businesses tend to have more than one core competency. Some examples include quality, customer service, value, innovation and marketing.

Step #2: Anticipate and forecast market needs and emerging trends. This is an important step in determining the long-term viability of your business. CB Insights found that 42% of startups fail because their business does not serve a market need.5 A market need refers to a functional or emotional need or desire of your target audience.

Step #3: Know your customers. Successful small businesses can identify what people want or need and then create products or services that meet those wants and needs. As consumer preferences change, businesses must adapt their offerings to stay relevant and continue to earn revenue.

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