January/February 2013 by St. Cloud Area Chamber of Commerce

HealtHcare construction & remodeling specialists at Boser, we deliver a single-source construction solution. From design to move in, we effectively coordinate and deliver results for a variety of healthcare new construction & remodeling projects. But it is our certifications, thoughtful planning and attention to detail that has made Boser construction a leader in the commercial construction industry for 16 years.

cHerrywood advanced living

centracare administrative services Building

park avenue medical oFFice

We take healthcare construction seriously.

320.393.3185 | www.boserconstruction.com

51st Annual Winter Institute

January 30 & 31, 2013 | St. Cloud, Minnesota AGENDA Wednesday, January 30, 2013 Cascade Room, Atwood Memorial Center, SCSU

3:00 - 4:30 p.m. Keynote Speech:

“The Moral Molecule: Improving Economics” Paul Zak

2:30 - 4:00 p.m.

Thursday, January 31, 2013 River’s Edge Convention Center, St. Cloud

Grow Minnesota! Business Panel* In collaboration with the St. Cloud Area Chamber of Commerce

4:30 - 6:00 p.m.

Economic Outlook Panel* King Banaian | Steve Hine | Tom Stinson

6:00 - 7:00 p.m. Reception

7:00 - 8:30 p.m. Keynote Speech*:

“Ethical Intelligence: Five Principles for Untangling Your Toughest Problems in Business and Beyond” Bruce Weinstein, “The Ethics Guy”

Registration:

Early Bird Registration: $30 by 3 pm on 01.10.13 Regular Registration: $40 after 3 pm on 01.10.13 Registration closes at 3 pm on 01.21.13

*CPAs may earn CPE credits for attending these sessions, visit our website for more information.

For more information about our program and registration, please visit

www.stcloudstate.edu/winterinstitute

S APP

IN EVERY ISSUE 8

6 President’s Letter

Editor’s Note

Business Calendar

Network Central

Top Hats

CONTENTS

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• BE

R END

GROW • NETWORK • PROFIT

S APP

JANUARY/FEBRUARY 2013

G R OW

Business Tools

22 Management Tool Kit Supervising Supervisors

Help your supervisors feel competent to create a productive workplace.

23 Doing Good Business Givers

24 Entrepreneurism

Common Startup Mistakes

Five fatal mistakes many startup ventures make.

25 Going Green 26 Economy Central

PROFIT

presented by Falcon Bank

30 COVER STORY

Local business leaders share their forecasts for 2013.

On the Upswing

PROFIT

This Issue 36 Feature

Sustainable Future

From farmer’s markets to your neighborhood grocery, sustainable farming is creating a new agricultural niche.

39 Special Focus The ROI of Wellness

A new survey shows employee wellness programs can have a positive impact on your company’s bottom line.

46 Business Spotlight Sandi Bernard, You Have it Maid!

PHILANTHROPES

Kathy Gaalswyk and Steve Joul describe the Mississippi River as a great community asset. The same could be said about their organizations.

PROFIT

Special Sections A1

N E T WO R K

Upfront 10 News Reel

What’s happening and who’s moving. Business news

from around Central Minnesota.

10 Book Review

1501 Ways To Reward Employees by Bob Nelson, Ph.D.

12 Your Voice In Government

The Time is Now! Add your voice to those of businesses that expect government accountability.

13 People to Know 16 The Trouble with Business Understanding LinkedIn

Tools like LinkedIn and Skype can help businesses expand their customer base worldwide.

Central Minnesota Farm Show Event Program and Map

39 Health Care

ONLY ONLINE •• Longstanding predictions that may come true

•• Five reasons why video can build business

•• Keeping private information, private

•• Top 10 Trends for 2013 and Beyond

www.BusinessCentralMagazine.com 4

Business Central Magazine •• JANUARY/FEBRUARY 2013

Dedicated, skilled professionals Serving you with dedicated, highly skilled professionals — it’s part of our commitment to quality care.

www.centracare.com 5

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

PRESIDENT’S LETTER

NETWORK

An Election to Remember

Teresa Bohnen, President

’ve read countless Monday Morning Quarterback reviews, expert analyses, and left/ right wing summaries about what happened in the 2012 elections. I’ve weathered my democratic friends’ gloating and my republican friends’ trepidation about what comes next. Through it all, I have concluded most of us will get up tomorrow, and the next day, and the next day, and what will be will be. There is no doubt the future of America will be changed by the outcome of this election. It seems half of us believe it will change for the good and half of us believe it will change for the worse. It remains to be seen which half is correct. Did you know that over the past 100 years the stock market has not seen long term impacts from presidential election outcomes? I saw a chart a few years ago that showed this phenomenon. I could not believe it, but there it was. The stock market has kept trending up through all our presidents’ terms. I attended the Mayors’ Prayer Breakfast right after the election. The presenter was nationally known author Shaunti Feldhahn. She spoke about the power of thinking the best of people instead of believing the worst. She gave an example of two emails she had recently received, one from a republican and one from a democrat.

Business Central Magazine •• JANUARY/FEBRUARY 2013

Have we become such a spoiled bunch of people that it’s “my way or no way” to the detriment of us all? The republican talked about how democrats were trying to destroy our country with their deficit spending, heavy handed taxation plans, and illconceived nationalized health care. The democrat laid out how republicans were trying to destroy our economy so they could blame it on President Obama and succeed in ousting him from office. Did these two people really believe the other group was trying to destroy our country and economy? Maybe that’s what’s wrong with politics today. Everyone believes the absolute worst of anyone in the other party. What is the reality? Could it be that everyone wants the best for our country, but we disagree about methods and philosophies to get there? If that’s the case, why can’t honest and considerate compromise be reached? Have we become such a spoiled bunch of people that it’s “my way or no way” to the detriment of us all? It will be entertaining to watch the Minnesota Legislature this year. It will be interesting to see if they choose to apply lessons learned from the past.

Will they be measured and considerate in their actions? Will they go overboard? Will the minority party be ignored? Or will they be invited to the table for additional input and ideas? My greatest hope is that the legislators weigh the impact of their actions with the impending and additional federal actions sure to occur simultaneously. New layers of taxation, debt and regulation have the ability to suffocate small businesses quickly, as well as make Minnesota an unattractive place for new and expanding businesses. So, be careful guys and gals. With great power comes great responsibility. I’m going to keep an open mind and believe that everyone has the best intentions. Until next issue (when the next election will be 20 months away),

Teresa Bohnen President

Main Phone 320-251-2940 Automated Reservation Line 320-251-2940, ext. 126 Program Hotline 320-251-2940, ext. 125 email: information@ StCloudAreaChamber.com www.StCloudAreaChamber.com ST. CLOUD AREA CHAMBER OF COMMERCE STAFF President | Teresa Bohnen, ext. 104 Vice President | Gail Ivers, ext. 109 Director of Administration Judy Zetterlund, ext. 106 Special Events Coordinator Virginia Kroll, ext. 105 Communications & Workforce Development Coordinator Whitney Bina, ext.130 Membership Sales Specialist Wendy Franzwa, ext. 134

Administrative Assistant Vicki Lenneman, ext. 122 Administrative Assistant Cindy Swarthout , ext. 100 Administrative Assistant Sharon Henry, ext. 124 CONVENTION & VISITORS BUREAU STAFF Executive Director Julie Lunning, ext. 111 Sales Manager Lori Cates, ext. 113 Director of Sales & Marketing Judy Okerstrom, ext. 112 Director of Sports & Special Events Kelly Sayre, ext. 128 Director of Visitor Services Jean Robbins , ext. 129 Sales & Marketing Coordinator Nikki Fisher, ext. 100 Administrative Assistant Rachel Campion, ext. 110

2012-13 BOARD MEMBERS Jim Beck Minnesota School of Business Jason Bernick Bernick’s - Beverages & Vending Gary Berg G.L. Berg Entertainment, Performing Artists & Speakers Craig Broman St. Cloud Hospital/CentraCare Health System, Board Chair Neil Franz Neils-Franz-Chirhart, Attorneys at Law Jayne Greeney Schill St. Cloud Area School District #742 Steve Hahn HahnMark, LLC John Herges Falcon National Bank, Board Vice Chair Scott Johnson Times Media

Diane Mendel Playhouse Child Care Kris Nelson Custom Accents, Inc. Rick Poganski Principal Financial Group Dr. Earl Potter, III St. Cloud State University Roger Schleper Premier Real Estate Services Jodi Speicher The Good Shepherd Community Bill Winter St. Cloud Federal Credit Union, Past Board Chair Chriss Wohlleber Le St. Germain Suite Hotel

Managing Print Expenses Get Input On Your Output Costs.

We hear you’re looking for ways to decrease costs. Expenses are justifiably top-of-mind for all businesses today. Marco’s team of print specialists can show you simple and productive ways to track and manage your printing costs. Our team not only knows the print industry, they’ve also been trained to listen. Want to chat about how much you could save? We’re all ears.

Marco helped a national optical retailer see the money they could save on their print costs. To read the whole story, visit www.marconet.com/SeeTheSavings

marconet.com

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

EDITOR’S NOTE

NETWORK

Power to the People

Editor Gail Ivers with two students from the Ngamo Village school, Zimbabwe, Africa. (Right) The newly installed water tower at the Ngamo Village school

n 2008 I visited the Ngamo Village School in Zimbabwe, Africa. We arrived on an auspicious day. The villagers had just erected a water tower. This was necessary because electricity in Zimbabwe is notoriously unreliable and the water pump – a gift from a charitable foundation – needed electricity to run. Installed on school grounds, the pump belonged to the whole village. Villagers no longer needed to travel miles for water – often on foot. They showed us where they were going to plant a garden so the children could learn the science and wonder of plants, and experience the responsibility and satisfaction of helping provide food for the village. The school headmaster proudly explained that once the electricity came back on they would fill the water tower and “never be without water again.”

My traveling companion on this, and most of my adventures, is my Aunt Nancy. Aunt Nancy lives in Princeton, New Jersey, where she recently had her own experience with unreliable electricity resulting from Hurricane Sandy. The town suffered high winds and hundreds of downed trees. She wrote in an email: “Power to the people” took on a whole new meaning for me last week. I lost power Monday at 6:00 pm and got it back at midnight on Thursday. Nothing hit my house but there are so many trees down that 80% of the town was without power for three days. The center of our universe was the public library which had power. Everyone was there charging their various electronic lifelines. I had a couple of friends with generators so I showed up, looked waif-like, charged my cell phone, and waited to be invited to stay for a meal.

Aunt Nancy has social capital. The City of Princeton has social capital. The villagers in Ngamo, Zimbabwe have social capital. Steve Joul from the Central Minnesota Community Foundation (see the story on page 30) talks about social capital as the interconnectedness of people in a community; the willingness to reach out and help others and the knowledge that others will help you. Communities and people who have social capital survive disasters better than those that don’t, and recover more quickly. A few years ago I went 24 hours without electricity and in my case that meant no running water. I took full advantage of the facilities at work and decided that dinner by candlelight is more fun when it’s optional. I now realize that I need more social capital. Any chance someone with a generator is looking for a new friend? Until next issue,

Gail Ivers

Vice President

Editor

PYMWYHI In November I wrote about PYMWYHI. I said I would explain the meaning to anyone who sent me $1, which I would put toward the Chamber Connection Glenn J. Imholte Unite for Success High School Scholarship. I received four guesses, but since they were not accompanied by $1, I neither confirmed nor denied the guess. I received one promise for a future $1, and one kind donation of $5. The offer remains for anyone who might still be pondering the answer.

Business Central Magazine •• JANUARY/FEBRUARY 2013

Publisher Teresa Bohnen

Dr. Fred E. Hill St. Cloud State University

Managing Editor Gail Ivers

Gail Ivers St. Cloud Area Chamber of Commerce

Associate Editor Dawn Zimmerman CONTRIBUTING WRITERS Whitney Bina St. Cloud Area Chamber of Commerce Teresa Bohnen St. Cloud Area Chamber of Commerce Bruce Hagberg riteSOFT Sharon Henry St. Cloud Area Chamber of Commerce

Tracy Knofla High Impact Training Mary MacDonell Belisle mary macdonell belisle – writerforhire Dawn Zimmerman The Write Advantage ADVERTISING Associate Publisher/Sales Wendy Hendricks, Hendricks Marketing

ART

110 Sixth Avenue South

Design & Production Yola Hartmann, Hazel Tree Media

P.O. Box 487, St. Cloud, MN 56302-0487 Phone (320) 251-2940 • Fax (320) 251-0081 www.BusinessCentralMagazine.com

Sarah Sucansky

For advertising information contact

Cover Photo Joel Butkowski, BDI Photography

Wendy Hendricks, (320) 656-3808, 110 S. 6th Ave., P.O. Box 487, St. Cloud, MN 56302-0487.

ACCOUNTING Accountant Judy Zetterlund WEBSITE Vicki Lenneman

Editorial suggestions can be made in writing to: Editor, Business Central, P.O. Box 487, St. Cloud, MN 56302-0487. Submission of materials does not guarantee publication. Unsolicited materials will not be returned unless accompanied by a stamped, self-addressed envelope.

CORPORATE SPONSOR

Ad Traffic & Circulation Yola Hartmann, Hazel Tree Media

by the St. Cloud Area Chamber of Commerce, 110 Sixth Avenue South; P.O. Box 487, St. Cloud, MN 56302-0487 • Phone (320) 251-2940 • Fax (320) 251-0081 Subscription rate: $18 for 1 year.

Business moves fast. So do our business programs. Earn your MBA or Master’s in Management in as little as 18 months with our accelerated evening programs. Enroll this spring and save $100 per credit for your first year.

School of Business and Technology

go.css.edu/BusinessCentral (866) 235-2706

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

Book Review

Point of View

Your Voice in Government

People to Know

Business Calendar

It Happened When?

The Trouble With Business

UPFRONT

R END

••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• H

Pay close attention to

difference in getting the best

Section 2, Five Trends Affecting

efforts out of them, keeping

Today’s Workforce. These trends

them, and helping you develop

are very dynamic. Here are

a reputation for treating

three of them. Trend #1

employees in a way that helps

Attracting and Retaining Talent:

attract talent to work for you

The growing shortage of skilled

and your organization.”

workers. Trend #3 Everyone’s

This book is 580 pages and

His/Her Own Boss: The rise

1501 Ways To Reward Employees by Bob Nelson, Ph.D., Workman

almost 1.5” thick – a whopper!

of the contingent worker.

It has a long subtitle, which I

Trend #4 We’re All Connected:

share because it is helpful to

The evolving role of virtual

Publishing, New York, 2012, ISBN 978-0-7611-6872-2

know: Low Cost and No-Cost Ideas,

employees.

Best Practices, Latest Trends, Proven

I also like Section 3: Six

Strategies, and Ways to Motivate the

Strategies for Engaging Employees

Millennial Generation. Wordy,

in Challenging Times. Get a copy

but excellent.

of this book and find out what

Author Dr. Bob Nelson virtually created the workplace

these six are. There are five appendixes,

culture of recognition. His

which may be as valuable as the

starting place is that “The

rest of the written content. They

shortage of skilled labor is

are (1) Where to get specialty

increasing, contingent workers

reward items (2) Companies

t is with this quote that 1501

and virtual employees are more

that arrange unusual reward

Ways to Reward Employees

commonplace, globalization of

activities (3) Incentive travel

launches into Section 1, The

the workforce is a reality, and

coordinators (4) Motivational

Recognition Revolution.

the new Millennial generation

and incentive companies and

Respect, according to the

of workers have brought new

associations, and (5) Featured

author, is more important to

attitudes and challenges to the

companies. BC

workers now than ever before.

workforce, all while national

The recognition revolution

unemployment remains high

Dr. Fred E. Hill is a professor of

determines that “Providing

and entire industries are

Learning Resources Services,

workers with recognition and

restructuring.”

at St. Cloud State University.

Business Central Magazine •• JANUARY/FEBRUARY 2013

respect can make a world of

Providing workers with recognition and respect is key to attracting talented employees. Reviewed by Fred E. Hill

The Recognition Revolution

– MARY KAY ASH, FOUNDER OF MARY KAY, INC.

S APP

NEWS & PEOPLE THAT MAKE UP THE CHAMBER NETWORK

BOOK REVIEW

“There are two things people want more than sex and money: recognition and praise.”

GROW NETWORK PROFIT

N E WS R E E L Regency Plaza sold Cavanmor, LLP, the real estate group that operates the historic Federal Building downtown St. Cloud, has signed a purchase agreement to acquire the Regency Plaza building, at 912 W Saint Germain, St. Cloud. The real estate group includes the owning and managing partners of Netgain Hosting, currently occupying the former Federal Building as corporate headquarters. Parts of the Regency building will be used to accommodate Netgain’s growing staff, while other portions of the building will be used for retail, restaurant, and event space.

CentraCare receives certification CentraCare Clinic – Health Plaza Family Medicine Clinic was certified as an International Travel Medicine Clinic by the Minnesota Department of Health. The St. Cloud clinic is the only certified provider of the Yellow Fever immunization in Central Minnesota. Pretravel counseling, required immunizations and other international travel tips are available at the clinic.

College of St. Scholastica expands The College of St. Scholastica is moving its St. Cloud campus to a bigger site in Sartell. The new building will include larger classrooms, meeting space for students, and enhanced technology.

POINT OF VIEW

Business Central asked readers: What is one business-related goal you hope to accomplish in 2013?

“

To continue to build the businesses that we’ve established. We also hope to celebrate our seven year anniversary in

Scott and Esther Widor Blue Line Sports Bar and Grill

Sartell and our one year anniversary in St. Cloud.”

“

To build a bigger clientele through social media.”

Kerry Peterson Premier Real Estate Services

“ Jayne Greeney Schill St. Cloud Area School District #742

To make clear connections for our district between what is in our curriculum and what our business community states are essential skills for successful employment.”

Cathy Maland Kumon Math & Reading Center

To increase the business, students and staff.”

“

To help even more clients!”

Cheryl Hochhalter Bremer

Big enough. Small enough. Your local Bremer business banker is big on big-picture financial solutions, backed by big bucks: nearly $8 billion in assets. But we’re big on small-town friendliness, too. And we pay attention to your needs, down to the smallest detail. Get acquainted with a local Bremer banker. It could be the start of something big.

The big small bank. Bremer.com Downtown St. Cloud 251-3300 • West St. Cloud 656-3300 • Sauk Rapids 252-1938 • Sartell 255-7121 • Rice 393-2600 Member FDIC. © 2013 Bremer Financial Corporation. All rights reserved.

BRE2017D1-Big-Enough-Small-Enough-7pt5x4pt875-12-5-12.indd 1

12/5/12 1:43 PM J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m 11

UPFRONT

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

NETWORK

N E WS R E E L Hart awards scholarship Brian Hart, Sandler Training, awarded Michael Vold, KwickSilver Wheel Repair of Minnesota, the first “Power and Potential” Scholarship for Veterans. The scholarship includes a oneyear membership in Sandler Training’s President’s Club, all course materials, a weekly two-hour class for one year, and unlimited access to Hart as a consultant, coach and trainer.

Johnson joins Y Ashley Johnson was hired as social work director at Johnson the St. Cloud Area Family Y. Johnson is a licensed social worker with a degree from St. Cloud State University. As social work director, she will lead the Y’s supervised visits and supervised/monitored exchanges for area families.

Godtland accepted as Fellow Dr. Ragna Godtland, PineCone Vision Dr. Godtland Center, was accepted as a Fellow in the American Academy of Optometry (AAO) in November. Fellowship candidates complete rigorous coursework and are evaluated on the highest standards of professional competence.

Marolf joins CSB Chad Marolf joined the College of Saint Benedict Institutional Marolf Advancement team. As a senior officer, he is responsible for fundraising in the central and northern Minnesota regions. Marolf has 20 years of experience in development. Isaacson joins CW Technology Trent Isaacson joined CW Technology as a Level 2 Service Desk Isaacson Engineer. Isaacson provides IT support for CW Care managed clients.

YOUR VOICE IN GOVERNMENT

The Time is Now!

There is no more critical time to get involved with your government.

ou can take your pick from the following activities offered through the St. Cloud Area Chamber of Commerce and add your voice to those of businesses that expect government accountability.

•• Monthly Educational Meetings The Chamber’s Government Affairs Committee meets the second Friday of each month from 7:30 to 9 a.m. in the Chamber’s main conference room. Policy and legislative information is shared to keep Chamber members in-the-know. Local legislators regularly attend our monthly meeting, providing convenient access for our members. During the first quarter, we’ll be covering labor initiatives, energy policy, and health care reform. –––––––– •• Session Priorities Wednesday, January 9, 2013 RiverCenter, St. Paul This annual Minnesota Chamber of Commerce gathering for chamber members from across the state provides a preview of the 2013 legislative session and features our Governor and Senate and House leadership. –––––––– •• Legislative Session Conference Calls Minnesota Chamber of Commerce lobbying staff provide up-to-the-minute reports on activities at the State Capitol. Specific call dates are available on our website. –––––––– •• St. Cloud Area Evening at the Capitol Wednesday, February 27, 2013 5 – 7 p.m. Best Western Kelly Inn, St. Paul The St. Cloud Area Chamber of Commerce showcases St. Cloud, Sauk Rapids, Sartell,

Waite Park, St. Joseph and St. Augusta for all Minnesota legislators. Chamber members are invited to participate in an evening of networking, business and fun. –––––––– •• Minnesota Business Day at the Capitol Wednesday, March 13, 2013 Crown Plaza, St. Paul This annual statewide event brings together local chambers from across Minnesota to learn about business issues and advocate for business friendly legislation. You can join hundreds of business leaders and speak out on issues critical to Minnesota’s competitive business environment. This is an excellent event for people interested in learning more about how to be involved with the government process. –––––––– •• U.S. Chamber Small Business Summit April 29 – May 1, 2013 A St. Cloud Area Chamber of Commerce delegation will join the U.S. Chamber’s Small Business Summit in Washington, D.C. this year. This event unites hundreds of business leaders from across the nation to advocate for important business issues and policies. National speakers share their insights on the federal government and the event culminates with visits to our Minnesota Congressional leaders. We arrange side trips and information sessions for our St. Cloud guests. For more information and pricing for these events, please contact Sharon Henry at (320) 251-2940, extension 124, or email shenry@ stcloudareachamber.com. BC

IN THE NEWS

DOWNTOWN ALLIANCE RECEIVES GRANT

The St. Cloud Downtown Alliance

Foundation (SCDAF) received a $5,000 award from the Initiative Foundation in support of a revitalization/ redevelopment marketing effort for St. Cloud’s downtown. The goal of the project is to position St. Cloud’s downtown as a regional core and a valuable and vibrant regional asset.

Business Central Magazine •• JANUARY/FEBRUARY 2013

PEOPLE TO KNOW

Roger Schleper

Katie Goff

The Membership Division is responsible for all marketing and membership activities, including workforce development, networking programs and all of the Chamber’s special events.

The VIP (Value Information Promotion) Retention Committee calls on Chamber members to share information about coming events, inquire about membership satisfaction, and encourage businesses to take full advantage of their membership.

Premier Real Estate Services P: (320) 259-4554 E: Roger@PremierHomeSearch.com Chair, Membership Division, St. Cloud Area Chamber of Commerce

Bonnie’s Printing Plus Inc. P: (320) 252-8774 E: bonnie@cloudnet.com Chair, VIP Committee, St. Cloud Area Chamber of Commerce

Greg Theis

Greg E. Theis Remodeling P: (320) 253-2312 E: grege@GETRemodeling.net Chair, Central Minnesota Farm Show Committee, St. Cloud Area Chamber of Commerce This committee is responsible for planning and organizing the Central Minnesota Farm Show, the largest agri-business expo of its type in the Upper Midwest. The annual threeday show starts the last Tuesday in February at the River’s Edge Convention Center in St. Cloud.

Marilyn Birkland

Times Media P: (320) 255-8794 E: mbirkland@stcloud.gannett.com Chair, Marketing Committee, St. Cloud Area Chamber of Commerce The Marketing Committee is responsible for the over-all marketing efforts of the Chamber of Commerce, including communication materials, advertising, publications, the website, promotional programs, and organizational research.

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

UPFRONT

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

NETWORK

N E WS R E E L CSB, SJU remain No.1 The College of Saint Benedict and Saint John’s University remain No. 1 nationally among baccalaureate intuitions with students who participate in semester and quarter-long study abroad programs. This is the third consecutive year CSB and SJU have been recognized by Open Doors, the annual report on international education that is published by the Institute of International Education. Fisk named Rising Star Attorney Julie Fisk, Neils, Franz, Chirhart, was named Fisk Minnesota Rising Star attorney by Super Lawyers. This distinction is only given to two and a half percent or less of Minnesota attorneys who are 40 years or younger. Candidates are evaluated on 12 indicators of peer recognition and professional achievement.

Mehr

Peterson

Moore

BUSINESS CALENDAR JANUARY/FEBRUARY 2013 ••

Compiled by Whitney Bina

Visit events.StCloudAreaChamber.com for a detailed calendar.

Can’t miss opportunities to influence, promote, and learn. FEBRUARY 26-28

Central Minn. Farm Show Tuesday - Thursday, February 26-28, 2013 from 9 a.m. – 4 p.m. at the River’s Edge Convention Center in St. Cloud. The largest farm show in the upper Midwest, with 300+ booths, sponsored by the St. Cloud Area Chamber of Commerce. Jan. 9 and Feb. 6

Lunchtime Learning noon-1 p.m.

Educational networking events that give busy professionals a chance to stay on the cutting edge. Meets the first Wednesday of the month at the Chamber office, 110 6th Ave. S. Registration is required: $15 for Chamber members, $22 for the general public.

January 9: “Using Social Media

Effectively for your Business” by Holly Lee, Coborn’s, Inc., sponsored by You Have It Maid! Note: this session is the second Wednesday due to the New Year holiday

Nelson

Marco hires, employees receive certifications Marco hired the following employees: James Diehl, Rachel Flint, Mary Johannes, Molly Mehr, Cliff Moore, Brandon Nelson and Daniel Peterson. Several Marco employees received certifications. Mark Levendowski and Doug Schwanke completed the Professional Certification for IBM for System X. Kyle Plantz and Tim McKenzie completed the requirements to become Microsoft Certified IT Professionals.

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

February 6: “Creating a Stronger Workforce: Enhancing Diversity” by Denny Smith, Dennis Smith Training & Development, sponsored by Roger Schleper and Jeremy Forsell, Premier Real Estate Services. Jan. 24

Supervisor Development Training 8 a.m. – noon

Designed for new supervisors, or for those who have received limited supervisor training or who need a refresher course, this series of six sessions provides the necessary tools to become a more effective supervisor. Topics range from

Business Central Magazine •• JANUARY/FEBRUARY 2013

hiring for retention to motivating employees to conflict management. Reservations are only accepted for the entire series; cost is $325. Series kicks-off with Employment Law – Keeping You and Your Employer Out of Trouble, by Melinda Sanders and Cally Kjelleberg, Quinlivan & Hughes. Located at the Chamber office.

Jan. 17 and Feb. 6

Business After Hours 4:30 - 6:30 p.m.

A complimentary open house for Chamber members and guests. Bring lots of business cards and prepare to grow your network!

January 17: Hosted by St. Cloud Hospital – Behavioral Health Services, at Clara’s House, 1564 County Rd. 134, St. Cloud February 6: Hosted by

Granite City Food & Brewery, 3945 2nd St. S, St. Cloud

Jan. 24 and Feb. 28

Sauk Rapids Chamber 11:30 a.m. - 1 p.m.

For businesses interested in Sauk Rapids issues. Lunch is provided by the host when you register at least two days in advance.

January 24: Hosted by 360 Chiropractic at Good Shepherd

Fellowship Hall, 325 11th St. N, Sauk Rapids, with a presentation by DAYTA Marketing on “5 Best LinkedIn Tips for Businesses.” This is the 2nd Annual Guest Drive, everyone is welcome, reservations are required.

February 28: hosted by Independent Lifestyles, on-site at 215 N Benton Drive in Sauk Rapids. The program will include an opportunity to meet new Sauk Rapids Mayor Brad Gunderson. Jan. 16 and Feb. 20

Waite Park Chamber 11:30 a.m. - 1 p.m.

For businesses interested in Waite Park issues. Lunch is provided by the host when you register at least two days in advance.

January 16: Hosted by Plaza Park Bank at the Moose Lodge, 1300 3rd St N, Waite Park, with a presentation by Gail Ivers on “Creating a Charitable Giving Plan for Your Business.” February 20: Hosted by Falcon National Bank at Waite Park City Hall, featuring a State of the City Address by Waite Park Mayor Rick Miller. This event is open to the public; reservations are required. For information on these or other business events, call 320-251-2940.

IT HAPPENED WHEN?

November 4, 1969 – “Things Don’t Just Happen”

o celebrate its 100th Birthday, the St. Cloud Area Chamber of Commerce held a Membership Drive that kicked off on November 4, 1969. “Things Don’t Just Happen” was the theme of the drive and a breakfast was provided for members. Glenn Carlson, then Chamber president, and Eldon Siehl, chair of the Chamber’s Board of Directors spoke at the kickoff breakfast. Louis Coursolle, Herb Price, Jim Gammell, Cy Kuefler and John Miller also helped organize the drive. TOP LEFT: Chamber President Glenn Carlson addresses attendees at the kickoff breakfast TOP RIGHT: Planning committee members (L-R) Louis Coursolle, Herb Price, James Gammell, Cy Kuefler, Eldon Siehl and John Miller.

BOTTOM RIGHT: Eldon Siehl, Board of Directors chair BOTTOM LEFT: St. Cloud Area Chamber of Commerce’s Birthday Cake. “Things Don’t Just Happen” (Oops! Quick, someone, eat the typo!) was the theme of the 1969 Membership Drive.

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

UPFRONT

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

NETWORK

THE TROUBLE WITH BUSINESS: Understanding LinkedIn

It’s a small, small world

Tools like LinkedIn and Skype can help businesses expand their customer base worldwide. By Bruce Hagberg

f you are a business owner or entrepreneur and you’re not on LinkedIn, you’re possibly missing out on valuable leads, opportunities, and connections. If you’re not using Skype, you may be paying too much for your phone service. These communication tools are easy, fast, convenient and affordable (how does FREE sound?), and they have helped riteSOFT expand into a global software marketplace. These tools have helped us find new customers and business partners around the world that we may never have discovered otherwise. Not using LinkedIn could be costing you money! If you aren’t using LinkedIn because you don’t know where to start, here’s a primer: LinkedIn is a social networking website for people in business. It’s a little like Facebook, but it’s designed specifically for business professionals to connect with potential clients, suppliers, or business partners, all over the world. There are currently more than 150 million registered users in over 200 countries. To get started, set up a profile, participate in groups, share news and views, and connect with people. At riteSOFT, LinkedIn is primarily a tool to stay current on trends and conversations related to our industry, build our brand reputation, network, develop relationships, and advertise our software solutions to a focused target market. Skype allows users to communicate by voice, video, and instant messaging over the Internet. Phone calls may be placed to recipients on the traditional telephone networks. Calls to other users within the Skype service are free of charge, while calls to landline telephones and mobile phones are charged via a debit-based user account system. Skype is popular for its additional features, including file transfer, screen sharing and videoconferencing. Skype now

LinkedIn is designed specifically for business professionals to connect with potential clients, suppliers, or business partners, all over the world. has over 600 million registered users and is owned by Microsoft. We use Skype every day as an efficient and cost effective way to communicate with our customers, partners and prospects both nationally and internationally. Try Skype with a friend or family member to get the hang of it and see if it’s a fit for your business. Not convinced to try these business tools? Let me tell you a story. On a Sunday afternoon a few years ago I was doing market research on LinkedIn. I conducted a number of “word searches”

Business Central Magazine •• JANUARY/FEBRUARY 2013

and found a consultant in the United Kingdom who was a member of a LinkedIn group that I also belonged to. I sent him a LinkedIn invite with a personal message about why I thought we should connect and he responded within seconds. I asked him if he used Skype and a minute later we were having a free Skype video conference call. After our Skype call and his review of our software solutions, his company became a reseller partner. They will soon have about a dozen new riteSOFT customers in his UK territory. Talk about ROI! BC

MAKING THE MOST OF LINKEDIN To start leveraging the power of LinkedIn for your business: •• Set up a LinkedIn profile: www.linkedin.com •• Make your profile detailed, professional, and well written. Include your website and a professional photograph; proof read carefully. •• Link your profile to your other social networking pages and profiles. •• Start adding contacts. LinkedIn lets you add contacts from most major email platforms and you can choose who to select. •• Look for groups that relate to your industry and join them. •• Start posting useful information, links to industry news, questions, or answers on your groups. •• Contact other LinkedIn members directly if you think you might be able to do business together. •• Research companies you might want to do business with or make sure that people you are selling to or buying from are who they say they are.

About the writer Bruce Hagberg is the owner of riteSOFT, an established value added reseller of ERP and CRM software solutions and a developer of commercial data collection software programs for manufacturing and distribution companies worldwide. riteSOFT is based in St. Cloud, MN Web site: www.ritesoft.com email: Bruce.Hagberg@ritesoft.com LinkedIn: http://www.linkedin.com/in/ brucehagberg Skype: bruce.hagberg.1

Really

Wants to Grow Your Business. Laser Hair Removal $200,000 Waite Park

Restaurant Franchise $1.2 Million Baxter

Towing Company $442,000 St. Cloud

Pharmacy $308,000 Cold Spring

Fast, in-house approval & processing to close quickly

Flexible, no defined “credit box”

A nationwide Preferred SBA Lender

Loan amounts of all sizes, terms up to 25 years

A Stearns Banker walks you through the entire loan process

Tux Rental $1.8 Million Minneapolis

Call us to get the job done!

253-6607 Dave Kahlhamer, Tom Ethen, Robin Studniski, and Nate Lloyd Member FDIC. Equal Housing Lender

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

UPFRONT

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

NETWORK CENTRAL

Profıt!

The Technology and Education Conference offered attendees plenty of opportunity to meet with vendors.

Brenda Eisenschenk, inteleCONNECT, shares her best “deal” with conference attendees.

John Riordan, (L) DAYTA Marketing, explains the company’s social media services.

Locally owned Shred-N-Go was one of several vendors at the Technology & Education Conference in November.

Grow!

The Technology and Education Conference provided information on a wide range of topics, including disaster recovery, cloud computing, and HR basics.

Conference goers could choose from 12 different educational sessions.

Shelly Caldwell, Marco, explains the company’s managed service solutions to conference attendees.

Almost 200 people attended the annual conference in November.

Business Central Magazine •• JANUARY/FEBRUARY 2013

NETWORK CENTRAL

Network!

The Star-Studded Celebration recognized Chamber volunteers who held leadership positions during 2011-12.

John Herges, Falcon National Bank; Molly Renslow, College of St. Benedict; Kristin Darnall, Catholic Charities

Erica Jodsaas, (L) Edina Realty and Rachael Ausmus, American Heritage National Bank

Ted Plombon, (L) Advantage 1 Insurance Agency and Al Karasch, TDS

(L-R) Wendy Hendricks, Hendricks Marketing; Barry Kirchoff, Minnesota Central Region SBDC; Berta Hartig, Metro Bus

(L-R) Tammy Hansen, Minnesota School of Business; Della Ludwig, Schlenner Wenner & Co.; Brian Jarl, Stearns Insurance Services

(L-R) Chriss Wohlleber, Le St. Germain Suite Hotel; Robin Studniski, Stearns Bank; Jean Dotzler, Events Extraordinaire by Jean. Dotzler was chair of the 2012 Star Studded Celebration Committee.

Larry Schill, Schill Trucking and Jayne Greeney Schill, St. Cloud School District #742

Mike Brandt, Minuteman Press St. Cloud

(L-R) Brenny Transportation’s Sarah Hanebuth, Bonnie Supan, and Beth Johnson

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

TOP HATS | New Members Tri-County Humane Society, practicing and promoting quality pet adoption services and education programs. 735 8th St. NE, St. Cloud. Pictured: Bob Lien, Vicki Davis and Tauna Quimby.

LinnihanFoy Advertising, a full-service marketing agency, 615 1st Ave. NE, Suite 320, Minneapolis. Pictured: Diane Ohmann, Dave Hruby, Dan Rasmussen and Tauna Quimby.

Rapids Alterations & Repair provides professional sewing services, 621 N Benton Drive, Suite 101, Sauk Rapids. Pictured: Shannon Templin, Cindy Battleson and Kris Nelson.

Seven Elephants, Coffee Shop and Café - serving breakfast lunch and dinner, 27 7th Ave. N, St. Cloud. Pictured: Diane Ohmann, Nacta Pojanatus, Ying Pojanatus and Inese Mehr.

Bella Rose Photography, wedding, event, and lifestyle photography studio, 3333 W Division St., Suite 202, St. Cloud. Pictured: Roger Schleper, Jessica Tallant, Jesse Tallant and Tauna Quimby.

Noodles & Company, the best dishes from Asia, the Mediterranean and America, 4011 W Division St., St. Cloud. Pictured: Bryan Kosidowski, Rachael Goerger and Bob Lien.

Noodles & Company, the best dishes from Asia, the Mediterranean and America, 211 5th Ave. S, St. Cloud. Pictured: Diane Ohmann, Brandon Hoon, Traci Knick, Drea Kuechle, Briana Potoscnik, Sigurd Lubke and Inese Mehr.

Loffler Companies, integrated office technology and services, 1101 78th St. E, Bloomington. Pictured: Roger Schleper, Sonia Hessler and Tauna Quimby.

Friendship Ventures, serving children and adults with disabilities through camp, travel, and respite care, affordable conference and retreat services are also available, 10509 108th St. NW, Annandale. Pictured: Tauna Quimby, Kevin Dietrich and Bob Lien.

Center for Nonprofit Excellence & Social Innovation (CNESI), consulting with emerging nonprofits to encourage best practices, 101 7th Ave. S, Suite 201, St. Cloud. Pictured: Diane Ohmann, Jeannette Bineham and Inese Mehr.

WORKING WITH PEOPLE, NOT JUST NUMB3RS.

Put a little fun on your next meeting’s agenda.

BRIAN MACKINAC & STEVE SCHUELLER, C.P.A.’S with Jim and Linda Hilmerson of Hilmerson RV

“The Schlenner Wenner accounting firm is like family to us. We can call anytime we need to and they are right here if we have any questions from business to setting up of corporations, or tax questions and so on. The rock of our business success is Schlenner Wenner.”

Let us make your next meeting, banquet, or special event truly memorable. With 2 spacious casino hotels, 24-hour gaming action and award-winning dining, we offer the perfect setting for your guests. For more information call Grand Casino Mille Lacs Events & Convention Center 800-626-5825, ext. 8515; Grand Casino Hinckley Events & Convention Center 877-447-2631; or visit grandcasinomn.com

INFORMATION 364-12121

Trim

3.625 x 4.875”

Modification Date

– Jim Hilmerson, Hilmerson R.V.

www.swcocpas.com Little Falls 320.632.6311 Albany 320.845.2940

Business Central Magazine •• JANUARY/FEBRUARY 2013 Job Number

November 15, 2012 1:15 PM

Maple Lake 320.963.5414 Monticello 763.295.5070

St. Cloud 320.251.0286

TOP HATS | New Businesses

TOP HATS | New Locations, New Ownership & Expansions

TOP HATS | Milestones

Flying Pig Pizza Co., fresh ingredients, unique flavors and friendly service 106 2nd Ave. N, Sauk Rapids. Pictured: Roger Schleper, Roy Dodds and Bob Lien.

Freightliner of St. Cloud, trucks, parts, service and body repair, 25200 Augusta Drive, St. Cloud. Pictured: Chris Panek, Scott Anderson, Jon Pearson and Owen Peterson.

25 year Chamber member Wollak Construction, 6228 Lark Road NW, Sauk Rapids. Pictured: Kris Nelson, Ernie Wollak, Terri Wollak and Shannon Templin.

Midwest Weight Control transforms overweight people into thin healthier versions of themselves, 62 10th Ave. S, Waite Park. Pictured: Tauna Quimby, Imo Kalla, N.P., Janel Hemmesch, R.D., Terri Hemmesch, LPN and Kaitlyn Anderson, CMA.

25 year Chamber member Central Hydraulics, hydraulic service, parts and repair shop, 7245 Old Highway 52, St. Cloud. Pictured: Owen Peterson, Scott Gronseth and Chris Panek.

City of Sauk Rapids, 250 Summit Ave. N, Sauk Rapids. Pictured: Diane Ohmann, Dana Furman, Todd Schultz, Ross Olson, Perry Beise and Roger Schleper.

25 year Chamber member City of Sartell, 125 Pine Cone Road N, Sartell. Pictured: Jill Magelssen, Patti Gartland and Inese Mehr.

Brothers Bar & Grill, 119 5th Ave. S, St. Cloud. Pictured: Diane Ohmann, Ben Lachecki, Mark Bernadot, Josh Aliesch, Kiley Finn and Roger Schleper.

FaceTime Business Resources, your single source for many business solutions, 921 1st St. N, Suite 202, St. Cloud. Pictured: Chris Dolney and Jill Magelssen.

25 year Chamber member Forum of Executive Women, a non-profit organization of managers and professionals who value the connection between and among women. PO Box 1451, St. Cloud. Pictured: Kris Nelson, Laura Tomczik and Shannon Templin.

Bus Central ad_St_Cloud_JanFeb2013.qxp_Layout 1 11/28/12 2:29 PM Page 1

tax Planning & Preparation | accounting | auditing | Business Consulting Mike Zager CPa Partner

In sales if you can’t identify your prospect’s “pain,” you’ll be the one who’s hurting.

Matt Steidl Michael Johnson Certified finanCial CPa, CVa, aBV ® Planner Professional Partner Tax Planning & Preparation accountant

If only filing your taxes were as easy as filling out a form.

reap the benefits of a trusted tax advisor Tax laws are constantly changing and oen complex. At CDS, we work with you to understand the "big picture" of your financial situation, both now and in the future, to help you make the right tax choices to achieve your goals. Exceptional service, dedication to detail and technical competence are at the foundation of our firm. Our team of tax experts includes over 60 experienced staﬀ, including 28 Certified Public Accountants, ranking us as one of the top CPA firms in Minnesota. Mike Zager

Michael Johnson

CPa, CSeP™ Partner

CPa, CVa, aBV Partner

Matt Steidl

Certified finanCial Planner® Professional accountant

Sandler Training® utilizes continual reinforcement through ongoing training and individual coaching sessions not only to help you learn but also to ensure your success. With over 200 training centers worldwide to provide support, you won’t fail…because we won’t let you.

Brian Hart 220 Park Avenue South, Suite 100 St. Cloud, MN • 320-224-2121 www.brianhart.sandler.com S Sandler Training Finding Power In Reinforcement (with design) and Sandler Training are registered service marks of Sandler Systems, Inc. © 2012 Sandler Systems, Inc. All rights reserved.

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

Management Toolkit

Doing Good

Entrepreneurism

Going Green

Economy Central presented by Falcon Bank

BUSINESS TOOLS

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• GROW NETWORK PROFIT

RESOURCES THAT HELP YOUR BUSINESS GROW

MANAGEMENT TOOLKIT

Supervising Supervisors Help your supervisors feel confident in creating and maintaining a productive workplace. By Tracy Knofla

“My job would be awesome if I didn’t have to deal with employee issues.” As spoken by many a frustrated manager

hose who aspire to supervisory positions soon learn to be careful what they wish for. Supervision is one of the most challenging positions in the corporate hierarchy. In fact, it can be so challenging that many managers become overwhelmed with the task and find ways to abdicate the role — while still maintaining their positions. It’s not that these managers are lazy or unqualified. Rather, the task of managing people is complex and requires a level of attention that is often greater than the time available. The enormous expectations of staff within the organization make the need for increased supervision imperative. What’s the impact? Employee morale and effectiveness are severely reduced by inconsistent supervision. Poor performance

is not addressed and outstanding performance is not rewarded. Conflicts within the department are not resolved. Employees need strong leaders who they can count on to keep them focused on departmental goals. Encourage empowered supervision by: •• Recruiting staff for supervisory positions who have demonstrated abilities in that area. Hire for more than just the tasks on the position description. Identify the critical skills and be sure to use those criteria when hiring.

•• Making use of many different workshops, selfdirected learning, web-based training, books, etc. One training technique does not fit all, and is not adequate for all. •• Training employees in assertive communication and praise its use. Teach supervisors to listen to their employees non-judgmentally and without defensiveness. Foster an environment where subordinates can respectfully

About the writer Tracy Knofla is co-owner and featured presenter for High Impact Training www.highimpacttraining.net

Business Central Magazine •• JANUARY/FEBRUARY 2013

challenge their supervisors without fear of reprisal. Develop expectations that employees will respectfully confront behaviors that do not move the department forward.

•• Rewarding successful managers. Coach/discipline weak managers. Provide everyone with examples of successful management. Ask senior administrators to recommend managers who need additional coaching. Incorporate managerial components into performance evaluations and hold managers accountable for them. Develop mentoring partnerships with new/first time managers. Staff members want an effective supervisor. They appreciate a fair and equitable workplace. When they feel that their work matters, as conveyed

by their supervisor, they bring their best effort every day. Help your supervisors feel competent and confident in creating and maintaining a productive workplace. BC

GETTING STARTED The St. Cloud Area Chamber of Commerce offers new supervisor development training. Topics of this seven-course program include: Employment Law; Hiring for Retention; Supervising Others – A Team Approach; Motivating Employees; Conflict Management; Interpersonal Communication; and Leadership in the Workplace. Courses run January – April 2013. For details contact Whitney Bina, (320) 656-3830,wbina@St.CloudArea Chamber.com; or visit BusinessCentralMagazine.com

DOING GOOD

BUSINESS GIVERS Business Gives recognizes companies that give cash and/or in-kind contributions amounting to 2 percent or more of their pretax earnings to charitable organizations.

peers. Best of all, because recognition is of Commerce, provides an opportunity t. Cloud Area Business Gives is based on the percent of income given in cash to present a uniform and comprehensive intended to engage businesses in and in-kind donations, a small business that picture of how businesses contribute to the contributing to, and being involved gives $1,000 each year can receive the same quality of life in our communities. in, the community, and to publicly recognize recognition as one that contributes $10,000. that commitment. Businesses are recognized that give Participation in Business Gives programs, You can find information and photos about cash and/or in-kind contributions the St. Cloud Area Business Gives participants at sponsored by local chambers of commerce amounting to 2 percent or more of www.BusinessCentralMagazine.com. and coordinated by the Minnesota Chamber their pretax earnings to charitable organizations. The program is based on the Minnesota THANK YOU TO THE 2012 ST. CLOUD AREA BUSINESS GIVES PARTICIPANTS Keystone Program Standard, •• Bernick’s – •• Conway, Deuth & •• Leonard, Street and Deinard criteria established in 1976 •• Netgain Beverages and Vending Schmiesing, PLLP by the Minneapolis Regional •• Bremer, St. Cloud, N.A. •• GNP Company •• Quick Fix Massage Shop Chamber of Commerce. St. Cloud Area Business •• Brenny Transportation, Inc. •• Granite Financial •• The Write Advantage, Inc. Gives is an excellent way for •• Bursch Travel Agency, Inc. •• Heartland Glass Co., Inc. •• Wells Fargo Bank businesses to share their stories •• Coborn’s, Inc. •• Laraway Financial Advisors, Inc. and be recognized among their

888.330.8482 | myCMCU.org facebook.com/myCMCU

Federally Insured by NCUA

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

BUSINESS TOOLS

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

G R OW

ENTREPRENEURISM

Common Startup Mistakes

Many startup ventures make the same fatal mistakes. Here are five to avoid.

he failure rate for startups is between 25 and 30 percent, according to the National Venture Capital Association. Many startups fail after making the same mistakes. Understanding and avoiding these common mistakes can help your startup achieve success.

1 Failing to plan. “The number one mistake is the failure to plan,” according to Barry Kirchoff, director of the Central Region Small Business Development Center (SBDC). “A well-designed, executable plan will address the basic elements needed for your business.” Establishing a strong business plan is the most critical part of the startup process, Kirchoff emphasized. He suggested seeking help from a business development organization like the SBDC, Central Minnesota SCORE, the St. Cloud State University Microloan Program, and the Better Business Bureau. These organizations provide clients with a unique, no cost, consulting experience. Small business owners also benefit by seeking help from paid professionals such as accountants, attorneys and insurance agents, Kirchoff said.

By Whitney Bina

“Learn about the market and listen to advice. Learn to say no to some ideas because marketing that works for one business may not work for yours.” —Dr. Tom Johnson, Infinite Eye Care

2 Failing to recognize the time commitment needed to succeed. Starting a business is a huge time commitment. Plan to spend many hours establishing your business and building a good reputation. Startups should also focus on allocating appropriate time for certain tasks. Keep meetings efficient and establish individual job descriptions to help balance your time. “Three of us would go to a meeting instead of just one person,” said Mike Anderson, QuarterTon Productions. “Meetings with clients would last an hour and a half when they could have been a half hour.” 3 Identifying the capital needed for your startup. “The hardest part about starting

Business Central Magazine •• JANUARY/FEBRUARY 2013

our business was raising capital,” Anderson said. “We underestimated the bank’s lending abilities and were not as easily able to get funding.” Startups should also be careful about overspending money. “Rule No.1 when starting a business is stick to your budget,” according to Dr. Tom Johnson, Infinite Eye Care. “Make sure you have a budget for everything!” Don’t be afraid to charge a reasonable price for your products or services. Many startups undercharge for their services which makes it harder to stay in business. 4 Conducting inadequate market research. Understanding the market will help you succeed. “Constantly monitor the market trends and

ensure your business’ products and services continue to meet market needs,” Kirchoff said. “Learn about the market and listen to advice,” Johnson said. “Learn to say no to some ideas because marketing that works for one business may not work for yours.” 5 Making poor hiring decisions. One of the most common mistakes startups make is employing friends and family members who are not qualified to help your business grow, Kirchoff said. Business owners should focus on hiring people who are right for their companies. BC Whitney Bina is the communications and workforce development coordinator at the St. Cloud Area Chamber of Commerce.

2013 Central Minnesota Farm Show February 26, 27 & 28

Photos contributed by KCC Farms â&#x20AC;&#x201C; Gary & Sue Johnson

CENTRAL MINN. FARM SHOW 2013

Greg E. Theis Greg E. Theis Remodeling Volunteer Chair, Central Minn. Farm Show

Brian Olson Mark J. Traut Wells Volunteer Vice Chair, Central Minn. Farm Show

Ginny Kroll Special Events Coordinator St. Cloud Area Chamber of Commerce

Did you know? The state ranks Stearns County first in market value for cattle and calves; milk; corn for silage; and oats;

second in broilers and third in turkeys. A2

C E N T R A L M I N N E S O TA FA R M S H O W 2 0 1 3

he Central Minnesota Farm Show, brought to you by the St. Cloud Area Chamber of Commerce, is the largest show if its kind in the Upper Midwest. Why does such a show exist in this growing metropolitan area? Because agriculture is still one of the area’s leading industries! Since opening its doors over four decades ago, the Farm Show has been a popular community event for Central Minnesota. Drawing from over a 100-mile radius, the show gives area farmers a unique opportunity to check out the season’s newest products, as well as socialize with other members of the agriculture industry. It also allows vendors a rare chance to meet their customers in person. The show offers something for everyone with an interest in agriculture. Visitors can look for special product offers, entertainment, and educational opportunities from a variety of professional vendors. Again this year we have over 200 vendors showcasing their ag-related products and services. When you turn to the center of this brochure you’ll find a complete map of the show and a list of vendors to help you make the most of your visit. The St. Cloud Area Chamber of Commerce is committed to helping

area farmers through organization and sponsorship of the Central Minnesota Farm Show. And there’s something else we’d like you to know. As part of our commitment to agriculture and education, each year the Chamber dedicates some of the proceeds from the Farm Show to high school scholarships. High school seniors apply for the scholarships, which are awarded based on merit and a stated intent to continue their education by studying some area of agriculture. Since the program started in 1982, the Chamber has awarded 182 scholarships for a total of $65,200. Volunteers have worked hard to put together a show that you will find both valuable and fun. Enjoy your visit with us and if you have questions or suggestions, please stop by the information booth. We’d like to hear from you. Sincerely,

Greg E. Theis

Greg E. Theis Remodeling Volunteer Chair, Central Minn. Farm Show

Brian Olson

Mark J. Traut Wells Volunteer Vice Chair, Central Minn. Farm Show

Ginny Kroll

Special Events Coordinator St. Cloud Area Chamber of Commerce

Source: Minnesota Department of Employment & Economic Development; *Most recent data available

Welcome to the 2013 Central Minnesota Farm Show!

CENTRAL MINN. FARM SHOW 2013

By the numbers 4,287 the number of farms in the St. Cloud Metropolitan Statistical Area in 2007*

$633 million the market value of products sold by St. Cloud Area farms in 2007

NECESSARY COMPONENTS Much like the machines on display, the agriculture industry depends on a complex network of parts to keep it running smoothly. With so many industry representatives on hand at one time, the Farm Show clearly illustrates the many components successfully at work. And once again all the pieces are in place for a 2013 show that promises to bring the same level of quality vendors, customers, and information that make the Farm Show a Central Minnesota tradition.

WE WON’T BE BEAT! Exclusive offer only from Gilleland…

Bring in this ad and receive an additional

$750 towards your trade Offer Expires 3/31/13 – Can’t be combined with any other private offers

3019 Division St - St. Cloud, MN 56301 320-251-4943

www.gillelandchevrolet.com C E N T R A L M I N N E S O TA FA R M S H O W 2 0 1 3

CENTRAL MINN. FARM SHOW 2013

2013 Booth Floor Plan By the numbers Farming and agriculture have changed significantly in the last 100 years, but don’t be fooled – agri-business is still a major player in Central Minnesota’s economy. #1 the state ranking of Stearns County for market value of agricultural products sold in 2007 55+ the average age of farmers in Stearns County … and it’s increasing

Keeping the Farm in Farm Show 46th

magine visiting a home and garden show and finding fishing poles on sale. Sure, it might provide a convenient distraction for bored spouses, but it has little to do with the home or the garden. Each year the Central Minnesota Farm Show planning committee faces the same dilemma. Approached by vendors that sell nonindustry related merchandise, the group must decide which merchants are genuinely appropriate for the event. “Farmers aren’t interested in knick-knacks,” says Greg Theis, Greg E. Theis Remodeling and chairman of the 2013 Farm Show. “We work hard to keep the quality of vendors high.” Keeping the farm in Farm Show requires careful consideration of industry changes, logistics and consumer interests. The Chamber’s Farm Show Committee has proven that it’s possible to make adjustments without sacrificing quality, and that’s one thing that will never change.

ANNUAL Special Thanks... Thank You to Our Hospitality Sponsors AgStar Financial Services • Duet • Wells Fargo Bank Thank You to Our Bank Sponsors AgStar Financial Services • BankVista • Bremer Bank Central Minnesota Credit Union • Falcon National Bank Farmers & Merchants State Bank • Frandsen Bank & Trust

2013

MidCountry Bank • Minnwest Bank, M.V. • Sentry Bank Saint Augusta Bank Office - State Bank of Kimball Stearns Bank • Wells Fargo Bank

February 26, 27, & 28 2013

C E N T R A L M I N N E S O TA FA R M S H O W 2 0 1 3

Acknowledgements

Andy’s Towing for delivery of forklifts

Bernick’s – Beverages & Vending for providing signage Our many volunteers for their time

CENTRAL MINN. FARM SHOW 2013

Photos will be taken at this event.

2013

Photos will be taken at this event.

Advertise with us next year, reserve your space for the 2014 show today! For more information, please contact Wendy Hendricks at (320)656-3808 or at whendricks@Business CentralMagazine.com

C E N T R A L M I N N E S O TA FA R M S H O W 2 0 1 3

CENTRAL MINN. FARM SHOW 2013

2013 BOOTH VENDOR LIST* Company........... Booth # Abba Roofing....................... 207 ABC Seamless..................... 803

Centra-Sota Coop........................ .301-307-400-406 Carlson Hall Champion Ag Electric......... 405

Grassland Solutions..............11 Green Energy Products.........410 Carlson Hall

Mobile Washer..................1014

ABS Global........................... 925

Champion Milking........ 401-409-500-502

ADM....................................... 217

Channel Bio.......................... 924

Advanced Comfort Technology........................... 316

Cleary Building..................... 831

Hanson Silo.................................. .207-213-306-312 Carlson Hall

Agri-King................................ 926

Complete Grain Systems...............804-806-808

Hubbard Feeds.................... 709

Mycogen Seeds................... 828

Agri-News................................... 5

Courtland Waste................. 910

Hydro Engineering............... 827

Nextire ............... 307-309 Carlson Hall

Agri-Systems......................1018

Culbac Products....................... 9

AgStar Financial..........801-900

Cutco........................................12

Albers Dairy Equipment..... 829

Dairy Farmers of America..........................1001

Allied Distribution................ 419 Ameribuilt Buildings............ 604

Dairy Star................................... 7

Greystone Construction..... 104

Minnesota Spray Foam Insulation................1031

Growers Mineral Solutions.... 612

Joes Supplies....................... 934 K&S Millwrights......108 Carlson Hall

Northland Farm Systems................................ 915

KASM/KDDG............................ 1

Norwex.................................. 830

Kaler Farms......................... 406

Oakwood Insurance Agency .............................................1012

AMPI..............604 - Carlson Hall

Dairyland Real Estate......... 618

Knife River..........................1009

API Garage Door Store....... 819

Dairyland Seed................606 Carlson Hall

Kramer Financial................. 918

Dairyland Supply.........601-621 Deaton Nutrition.................. 506

Arnzen Construction/ St. Rosa Lumber.......................... .201-205, 300-304 - Carlson Hall

Diamond Industrial.........602 Carlson Hall

Mulching Mania.................. 209

NorthernTool & Equipment................421 & 520

Dairyland Pest Control............105 Carlson Hall

Arnold’s Equipment....821-823

Morton Buildings................. 614

Jung Seed Genetics............ 104

American Pressure............. 320

Arnold’s of Kimball ............... 901-905, 1000-1004

Modern Farm Equipment.......... .401-411- 500-510 Carlson Hall

KleenTest Products............ 713

Kruger Seeds .........................110 Carlson Hall

Osakis Silo Repair..............408 Carlson Hall Patz Corp. . 07-111-208-212 Carlson Hall 1 Paul Mueller Co. ................ 608-612 Carlson Hall

Kuhn North America .............300-302-304-306-308

Peterson Farms Seed......... 309

L & L Sales.........................1010

Pluto Legal, PLLC................ 305

Dick Meyer Co...................... 912

Lange Ag.............................1007

Dupont Pioneer................... 616

Legend Seeds....................3 & 4

Powerhouse Outdoor Equipment...............1006-1008

Edward Jones Investments.......................1011

Lumber One Avon.............1005

Prairie Brand Seed.............. 118

Mark J. Traut Wells............. 816

Prairie Lakes Coop.............. 204

MEDA............................415-417

Producers Hybrids............... 313 Provanco, LLC...................... 919

Bremer Bank........................ 400

Farm Bureau Financial Services................................ 904

Messer Repair & Fabricating ..............................103-105-107 Mid-Central Heating............ 913

Quality Sales & Service...... 711

Brenny Transportation....... 930

Feed Co................................. 813

MidCountry Bank................ 315

Byron Seeds......................... 606

Feed Stuff Bagging............. 815

RDO Equipment .................... 115-121, 214-220

C. S Arvola, Inc........1017-1019

Finken Water...............600 Carlson Hall

Midsota Manufacturing ..................... 414-416-418-420

Real-Tuff.......................715-717

Midwest Machinery....519-521

Redfield, LLC........................ 213

First District Association..... 321

Mies Outland....................... 101

Renewable Energy SD......1003

Form A Feed......................... 319

Mimbach Fleet Supply.120-122

Retrogreen Energy.............. 515

Central McGowan.......206 Carlson Hall

Fusion Catrography............. 932

Minnesota Beef Council .........................200 Carlson Hall

Rinke Noonan Law Firm..... 805

Central MN Corn Growers....................... 822

Genex Cooperative............. 817

Arvig Communication......... 811 Avon Ag Lime............................ 2 Benton County Ag Society................1022-1024 Big Iron Stock Auction........ 826 BOE Custom Services......... 410 Bongards Creameries......1020

Calf Star........................411-413 Carlson Wholesale...................... .101-103-202-204 Carlson Hall

Central Minnesota Credit Union......................... 908 Central Minnesota Ethanol.................................. 809

Equip-A-Life.......................... 106 Exclusive Home Products............................13-15

G3 Power Systems.............. 112 Genex Farm Systems....... 1025-1027-1029 Gilman Coop Creamery......................914-916 Granite Electronics.............. 202

*based on data as of December 1, 2012

C E N T R A L M I N N E S O TA FA R M S H O W 2 0 1 3

Minnesota Farm Guide...... 200

QC Supply............................. 807

Roto-Mix........................700-720

Minnesota Farmers Union.402

Royalton Lumber & Hardware.......................... 505

Minnesota Home Improvement...............114-116

Sam’s Club........................... 301

Minnesota Pneumatic Products ................ 501-511 Carlson Hall

Select Sires.......................... 303 Slipka Trading...................... 516

CENTRAL MINN. FARM SHOW 2013

St. Cloud Overhead Door... 835

Townsquare Media.................. 6

St. Cloud State University... 517

Traeder Enterprises....109-113

St. Cloud Times Media .........................515 Carlson Hall

Traeger Industries of MN, Inc............................. 824

St. Cloud Toyota.....1021-1023

Tri-County Foam Insulation................1013

Stearns County Farm Bureau ............................................... 906 Stearns Electric Association ............................................... 501 Stearns Vet Outlet.......921-923

WORKING WITH PEOPLE, NOT JUST NUMB3RS.

21st Century Ag................... 206 Uncle Sam’s Flag & Pole.... 215 Weight-Rite Scale Co.......... 513

BOB HENGEL, C.P.A.

Wells Fargo Bank................ 600

with Roger Mergen of Mergen Century Farm

Stine Seed Co...................... 208

Wieser Concrete Products............................... 201

Sunrise Ag Coop.................. 205

Woller Equipment, Inc. ..............................310-312-314

“I enjoy working with Bob because he not only cares that I am satisfied with my tax results, but he also cares about my health, both personal and financial. Some qualities that I look for in people are honesty and confidentiality. Bob and his staff have both. Add to that his knowledge and ability in keeping current with the tax laws, especially agriculture, and it makes for a comfortable and satisfying working relationship.” – Roger Mergen

Steffes Auctioneers............. 210

Surface Specialists Mid-MN................................. 408

WVAL.......................................... 8

The Land..................................10

Ziegler CAT..................100-102................ 104-106 Carlson Hall

COME SEE US AT THE FARM SHOW!

Zoske’s Sales & Service ................ 929-935-1028-1034

Albany 320.845.2940 Little Falls 320.632.6311

The Minnesota Project....... 503 Thein Well Company........... 404 Titan Pro SCI........................ 211

St. Cloud 320.251.0286 Maple Lake 320.963.5414

Monticello 763.295.5070

www.swcocpas.com

Local Experience, Hometown Pride. At Farmers & Merchants State Bank, we’re proud of our people. That’s because they have the knowledge and experience to offer you everything you’d expect from a full-service bank, and more. We believe you want a banker to do more than just hand you an application. You want someone who understands you, your business, and our community. We offer just that — employees with local roots and experience to help your business grow. If that’s the kind of local experience you’re looking for, let’s talk.

Sauk Rapids 1301 2nd St N. 320.252.5121

Patty Schlichting, Branch Manager/Loan Officer 31 years experience, Royalton native

Because friendly still counts.

Pierz

80 Main St. 320.468.6422

Eric Peterson, Loan Officer 9 years experience, Rice native

fmpierz.com C E N T R A L M I N N E S O TA FA R M S H O W 2 0 1 3

6962

7.5x10 4c

Looking for an ag banker?

For generations, our ag bankers have lived and worked among our customers. They work only with ag‑related businesses and are local decision makers who can respond quickly as conditions change for your specific financial needs. It’s the main reason Wells Fargo is the #1 lender to U.S. agriculture among commercial banks. To learn more about reaching your financial goals, stop by and see us at our Farm Show booth. We will visit you on site and get to know your ag business needs

743352_06962 7.5x10 4c.indd 1

11/15/12 4:45 PM

BUSINESS TOOLS

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

G R OW

Expensive Air

GOING GREEN

Smart Glass

mart glass, a unique type of material used in windows, electronically controls glare and heat. It’s primarily used in architecture and transportation, privacy glass and museum artwork expositions. A report from Pike Research predicts that, as a result of new production capacity, smart glass production could become a nearly $700 million a year industry by 2020, eight times more than it’s worth today. As more people start to adopt green building standards, industry will look to smart glass to address these needs. ”This class of high-performance glazing products offers significant energy efficiency, aesthetic, and user comfort and well being benefits as compared to conventional ’static’ glazing,” according to the report. Source SmartPlanet

ompressed air is NOT free. In fact, it is one of the most expensive sources of energy, yet it is routinely ignored at most businesses. A leak as small as 1/16 of an inch in a compressed air tool or motor system, for example, can increase energy costs by as much as $500 a month. Many of today’s compressed air systems are unbalanced, inefficient, and pieced

together over time. Some research shows that only half of the compressed air that is paid for is used, while the rest escapes through leaks. Inappropriate usage such as cleaning a work surface or personal cooling is also a factor in air waste. Many utilities offer funding assistance for compressed air studies and upgrades. Source Energy Smart

51st Annual

Winter Institute January 30 & 31, 2013

Featuring: “The Moral Molecule: Improving Economics” Paul Zak Grow Minnesota! Business Panel* In collaboration with the St. Cloud Area Chamber of Commerce Economic Outlook Panel* King Banaian | Steve Hine | Tom Stinson “Ethical Intelligence: Five Principles for Untangling Your Toughest Problems in Business and Beyond” Bruce Weinstein, “The Ethics Guy”*

Registration: (Registration closes 3 pm on 01.21.13) Early Bird: $30 by 3 pm on 01.10.13 Regular: $40 after 3 pm on 01.10.13 *CPAs may earn CPE credits for attending these sessions, visit our website for more information. For more information and to register, please visit

stcloudstate.edu/winterinstitute

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

ECONOMY CENTRAL

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

PRESENTED BY FALCON BANK

Local business leaders share their forecasts for 2013.

exponentially, especially in the areas of social applications and internet protocol television applications. “At W3i, we think application development will double every year over the next couple of years.” The competition for software developers has increased since the recession and therefore, finding software development talent will be a major industry challenge in 2013.

Business Central asked local industry leaders to share their business forecasts for the upcoming year. We interviewed one person each from the healthcare, technology, manufacturing and construction industries and here’s what we learned: HEALTHCARE Dr. Cheri Carlson, Synergy Chiropractic & Wellness Business has picked up for the healthcare industry in the last year, but hesitancy remains among patients. During “The Great Recession” patients cut back on seeking care unless it was necessary. In 2013, people will feel more stable and will therefore seek more care. Focusing on preventive care will be common and the demand for holistic care will continue to increase. Of course, healthcare will also experience an impact from the 2012 elections. TECHNOLOGY Andrew Johnson, W3i Holdings, LLC Central Minnesota is slowly emerging into a technology driven area. In 2013, the technology trend will continue to accelerate. Mobile applications are expected to increase

MANUFACTURING Carmie Mick, Custom Welding & Metal Fabricating, Inc. Over the last two years, the local manufacturing industry has steadily increased with minimal effects from the recession. “I feel that the manufacturing industry is definitely on the upswing and companies are busy.” In 2013, it is crucial to stay diversified within the industry in order to meet customer needs and reduce costs. The biggest challenge the manufacturing industry faces is finding the labor force to keep up with the high sales demand. CONSTRUCTION Craig Schoenberg, Schoenberg Construction, Inc. Business will continue to increase in 2013, but construction in general will recover slowly. People will still do maintenance on their homes, but will focus on smaller projects, such as remodeling kitchens and improving siding, instead of larger projects like entire home remodels. Customers are more conservative today than they were before the recession, but business is improving. “At Schoenberg Construction, we are encouraged by the potential projects for spring 2013.” Compiled by Whitney Bina

Business Central Magazine •• JANUARY/FEBRUARY 2013

Streamlined & Simplified The U.S. Small Business Administration (SBA) began streamlining and simplifying many of its loan programs in 2012, providing more access and opportunity for both lenders and small businesses.

$30 billion

SBA dollar volume of loans to small businesses

53,848

the number of loans made to small businesses by the SBA through its two main loan programs

80%

SBA loan applications that can now be processed online

$410 million SBA dollar volume for the CAPLines loan program administered by the SBA*

1,300

the number of lenders returning to SBA lending following the program enhancements

*The revamped CAPLines program, which provides working lines of capital to small businesses such as manufacturers and government contractors, jumped from 108 loans and $118 million in FY 2011, to 532 loans and $410 million in FY 2012.

Economy Central presented by

Source: US Small Business Administration; fiscal 2012 results

ON THE UPSWING

BY THE NUMBERS

$64,755

62 128 160 157 182 117 215 144 145

ECONOMIC INDICATORS TRENDS Sartell St. & Cloud

$2,071,350

$2,489,399

$1.5M

Sartell Sauk Rapids

$0 F

O M

N A

D M

permits No. of permits 52 27 No. 37 of57 24 141 35 59 32 42 41 17 45

M A

A S

M O

27 59

46 43

98 36

92 34 122 118 127 1

Compiled by SharonWaite Henry,Park data current as of 12/12/12 Sauk Rapids

RESIDENTIAL BUILDING RESIDENTIAL PERMITS BUILDING PERMITS

Commercial Building Permits

$2M

$2,622,544

$1.5M

St. Cloud

RESIDENTIAL BUILDING RESIDENTIAL PERMITS BUILDING PERMITS

$2,434,500

$2,071,350

$2,489,399

$2,622,544

Sartell

SM OA

Sauk Rapids Sartell

Residential Building Permits $2M

No. of27permits 206 106 62 118 25 127 62 105 128 97 160 157 182 117 215 144 145 17 46 98 92 122

RESIDENTIAL BUILDING RESIDENTIAL PERMITS BUILDING PERMITS $2M

D 42

$0 M AO MN JD

No. of permits 141 59

$2M

$1.5M

$2,434,500

No. of permits 206 106 62

$1.5M

St. CloudWaite Park Sauk Rapids

Sartell

$2M

$1.5M

Sartell St. Augusta Waite P Sauk Rapids

COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDA COMMERCIAL BUILDING PERMITS,RESIDENTIAL CONSOLIDATED COMMERCIAL BUILDING PERMITS, RESIDENTIAL CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED RESIDENTIAL RESIDENTIAL BUILDING PERMITS RESIDENTIAL RESIDENTIA RESIDENTIAL BUILDING PERMITS BUILDING PERMITS BUILDING PERMITS BUILDING PERMITS BUILDING PERMITS RESIDENTIAL BUILDING PERMIT

of permits 141 59

$0 M AO MN JD

$2M $0 M O J NJ DA

$2M J S FO M

SM OA

of permits No. of27permits 206 106 62 118 25 127 62No. 128 160 157 42 1823111741215 27 144 28 145 15 17 46 98 92 122 105 97 $1.5M

Sauk Rapids Sartell

A O

S N

$1M J F J

M A

17 45

43 46 36 98

$1M

59 27

A S

M O

$1M J A

92 34 122 118 127 105

$.5M

$0 F

O M

N A

D M

M A

$2M $0 M O O J NJ DA

A S

$2M $0 J S FO M AO MN JD

$0 J J AOF

M ODA SN

D 2

$46,603,752

$1M $0 J F M AO MN JD JJ AF SM OA $2M No. 3 of0permits 6 16 52 13 27 11 37 757 1124 2635 14 32 $568,250 $.5M

St. Joe

$1M

RESIDENTIAL BUILDING PERMITSBUILDING PERMITS RESIDENTIAL

O D

N 8

St. Joe

$64,755

$8,511

$64,755

$3M

$0 O $2M No. of permits 4

$1M

$8,990

$1.5M

$1M J J

$2M

$0 O MJ AA

S MN

D JO

$2M $0 J S FO O M

$0 M O J NJ DA

N A

$.5M

$1.5M

Sauk Rapids Sartell St. Augusta Waite Park

$0 J FJO M AN A SD M OJ

D M

4No. 91 1 of83permits 4617

354

$39,800

RESIDENTIAL BUILDING PERMITSBUILDING PERMITS RESIDENTIAL

permits 31 41 21 40 48 11 45 757 11 9105of6permits 242 No. 2 of10 527 12 7 43of11 7 permits 27No.43 46of permits 98 92 122 4118 8127 No. 97 5 52 13 27 37 24No. 35of permits 32 41 0 45 1 59 No. 36 1434 31 permits 59 36 34 31 428 8715 2831 No. 335 of026 6 16 26 14

31 No. 35 of26 21 40 48 No. 45 of57 permits permits 52 27 37 24 141 35 59 32 42 41 17 45

$12,457,379

$17,096,137

$12,449,306

$25,702,953

$46,115,239

$12,457,379 $23,294,590

$5,434,857

$1.5M

$.5M

$8,511 $3M

$8,431

St. Augusta St. Augusta

St. CloudWaite Park Sauk Rapids

Sartell

$2,434,500

$17,096,137

$0 J

$0 F M O N A M D $2M No. permits 37 of57 24 141 35 59 32 42 41

$2M No. of permits 52 27

$.5M $64,755

$.5M

$4M

$4M $.5M

$778,000

$2M

$5,475

RESIDENTIAL BUILDING PERMITSBUILDING PERMITS RESIDENTIAL

$12,449,306

No. of27permits 17 46 98 206 92 106 122 62 118 25 127 62 105 128 97 160 157 182 117 215 144 145

$1M

TSBUILDING PERMITS AL $0

Waite Park Waite Park

$1.5M

$6,178,910

$.5M

apids

$3M

$1.5M

$215,190

157 182 117 215 144 145

$1M J J

$4M

$.5M $64,755

$3M

$1M $0 M AO MN J D J J A F SM OA

$.5M

$6,178,910

O N $2M No. of permits 141 59

$4M $1.5M

$8,431

$1.5M

$778,000 $2M

$5M $1M

$2M

$5,475

$.5M

$215,190

$25,702,953

$3M

$1M

$1M J J

$4M $.5M

$46,115,239 $2,071,350

$1.5M

$5M $1M

$2M

$1M

$23,294,590 $2,489,399

$1.5M

$5M $1M

$5,434,857 $2,622,544

$2M

$2,434,500

$2M

$0 JM AOA S

235 of10 326 No. permits 43 8 3 57 12

$1.5M

St. Joe Waite Park Sauk Rapids

St. Augu

BUILDING PERMITS BUILDING PERMITS BUILDING PERMITS RESIDENTIAL BUILDING PERMITS BUILDING PERMITS RESIDENTIAL BUILDING PERMITS TS,RESIDENTIAL CONSOLIDATED COMMERCIAL BUILDING COMMERCIAL PERMITS, RESIDENTIAL CONSOLIDATED BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING COMMERCIAL PERMITS, BUILDING CONSOLIDATED PERMITS, CONSOLIDATED COMMERCIAL BUILDING COMMERCIAL PERMITS, CONSOLIDATED BUILDING PERMITS, CONSOLID RESIDENTIAL BUILDING PERMITS RESIDENTIAL RESIDENTIAL RESIDENTIAL

$6,178,910

$3M

D M

No. 41 of83permits 91 417 6

$0 A JM AO $2M 3 57 4123 362 No. 2 35 of10 permits

345

$.5M

St. Augusta St. Augusta 2

7No.120 23permits 6 $2M50 22 27 19 of

$30,000

$107,200 $1M

No. 9 of6permits 5 242 31 2

$46,603,752

41 10

$1.5M

SM OA

28 715 527 12

831

$2M F M

$2M J J $0

No. of permits 0

$1.5M

D M

M A

A S

M O

No. permits 7 of11 14 31 7

$1M

$46,603,752

1.0

$12,457,379

120 $4M $568,250 $.5M

$.5M 0.8

$39,800 COUNTY BENTON

$39,80090

$150,000

$2M $709,473 $1M

J $0

No. of permits 0

$0 F

$489,679

7 of11 14 431 7 No. permits

No. of permits 14 12

No. 13 of 9permits 9 06

1 11

11 18

120

3.0

$.5M $107,200 $18,600 ST. CLOUD

ST. CLOUD

$2M

$18,600

$90,000 2.5

1.5 $30,000

$.5M0.8

$195,840 90

$900

JN 4 61

$568,250

O -0.6N

A N

M D

J F

A M

S A

O M J -0.8 32 10 -1.0

ST. CLOUD $1,200 $900

AF 0.5 SM

No. of permits 14 12

13 of 9permits 9 No. 06

11 1

8 7

18 11 16 14 127

12 1

J A $0 M AO

J A $30,000

0.0

MO -0.6 AN MD O -0.8 3

3rd quarter

4th quarter

2.2% 2.0 Nonfarm Jobs oss Domestic United ProductStates$60,000 $60,000 $1M

0.4

$1M

UNITED STATES MONTHLY % CHANGE -2012 QUARTERLY % CHANGE IN REAL- GDP

20,000

3.0

120

2.8%

$.5M

$.5M 0.8 $195,840 N/A $72,162

N/A $195,840

90,000 2.5

$900

J 2.2% J60

1.5

A 30,000

-1.0 J F 1st Quarter

1.0

$30,000 -0.4

XXXX 2.0%

1.0

1.7%

0.0

-0.2

0.0

DN/A

-0.2 $2,500

$1,200

3rd quarter

$150,000

ST. CLOUD

XXXX $1M

$120,000

3.0

$.5M

Source: www.positivelyminnesota.com 0

MO -0.6 AN MD

0.0

$.5M

N/A

$90,000

-0.8 -1.0 J F 1st Quarter

MINNESOTA

-1.0 J F M A M 1st Quarter 2nd Quarter $30,000 A 20 M

M A M 2nd Quarter

J A $30,000

3rd quarter

UNTRY WIDE

10%

4th quarter

$200,000 J

COUNTRY WIDE 10%

$150,000

$0 M

MINNESOTA

$200,000 M A M 2nd Quarter

$150,000

0.0

1.7% 0

O N/A

-1.5%

M 3rdAquarter M J 4th J quarter A S

2.0

0.0-2.0% F

0.8

0 of permits 1 0 14 0 120 No. J A $30,000

10%

$150,000

$1.5M

0.5S

0 13

0 M

O A

$46,603,752

J J

A S O $0 M OA

No. 0 of permits 1 0 14 0 1

COMMERCIAL BUILDING PERMIT COMMERCIA $2M

$1.5M

ST. CLOUD

COUNTRY WIDE

$150,000

2.0%

N M

$.5M

N/A

FA $0

No. 6% of permits 10

XXXX

8% $.5M

$0 M

1.7%

0.0

$90,000

$195

A S $0 M OA N

D$60,000 J F

11 No. 13of permits 3 8 03 4

Minnesota Nonfarm Jobs Minnesota Nonfarm$30,000 Jobs

N/A

M 3rdAquarter M J 4th J quarter A S N/A

1st O Quarter

2nd Quarter

MINNESOTA - MONTHLY % CHANGE - MONTHLY % CHANGE MINNESOTA 2.0 NM

2.0

N M

50 1.0

XXXX XXXX X XXX XXX 2.0

St. Cloud -1.5 Paul Minneapolis/St. Minnesota United States $50,000 -2.0 J

F A

MINNESOTA BENTON AND STEARNS COUNTY -

-1.0

1.0

0.5

-1.5

-2.0 M 10

10%

Median Local Nonfarm JobsHo 1.5

$100,000-1.0

$200,000

0.8

$150,000

0.0

SA 0.6

M S

MSt. CloudJ

A O

0 M J N/A

0.4 -1.0

N M

M S

St. Cloud Minneapolis/St. P 6% Rochester $100,000

-0.5

-1.5 Minneapolis/St. Paul 0.2 Minnesota Benton & Stearns Counties $50,000 United States Minnesota -2.0 J

St. Cloud Minneapolis/St. Paul Rochester J

MINNESOTA - MONTHLY % CHANGE COUNTRY WIDE

0.0

Minnesota Unemploy Nonfarm J

$150,000 0.0

STEARNS COUNTY

$200,000 1.0

D J

J F M A M J J A Sheriff ’s Foreclosure Auctions Median Housing Prices 1.5 1.5

MINNESOTA

O Quarter 1st 2nd Quarter D $30,000 J20 F

2.2%

O A

1.0

$100,000

M 3rdAquarter M J 4th J quarter A S O N N/A

No. of permits 0

$30,000

J D

10%

S M

2.0%

A S O $60,000

OM N

$1M $1M 2.0 $0 N D $60,000 J F M O A NM D J J J F A MS A O M J J $489,679 9 11No.13 3 8 10 3 9 6 11 3 13 3 3 4 8 6 $120,000 of permits 3 11 6 3 3

St. Cloud Minneapolis/St. Paul $90,000 Minnesota 40 United States

Food & Be Unemployment Rates

$90,000 2.5

JF A M SA O M NJ

AM $0

2.8%

$120,000

$2M

$.5M

STEARNS COUNTY 1.7%

MINNESOTA

$1M

2.2% Housing Sheriff ’s Foreclosure Auctions -0.5 Median Prices -0.5

2nd Quarter

$2M MO AN MD S

1.5

Local Nonfarm Jobs Local Nonfarm Jobs 1st O Quarter

$107,200 20 $2,500 $1,200

St. Cloud Source: www.positivelyminnesota.com $50,000 4% $0 Minneapolis/St. Paul J F M A M 10 J O J N A D SJ OF NM DA M DJ S AO M OA N JJ FA M J J A S O Minnesota BENTON AND STEARNS COUNTY MONTHLY % CHANGE - MONTHLY % CHANGE BENTON AND -STEARNS COUNTY United States

MINNESOTA - MONTHLY % CHANGE- MONTHLY % CHANGE MINNESOTA 2.0

4 J

ST. CLOUD

-1.0% $150,000

4% 2.0% M A M JJ J A 0.5 S O

Minnesota Nonfarm Jobs Minnesota Nonfarm Jobs O

COUNTRY WIDE

$200,000

-0.5%

Unemployment Rates Food & Beverage Tax Collections 0.5 0.5

1.0

1.5

1.0

nemployment Rates Unemployment Rates Economy Central presented by

2.2%

6%0.0%

1.5

M O A NM D J J J F A MS A O M J J A S O -0.6 10 J $0 2.0 $0 $60,000 O N D $60,000 J F MO A N MD J J J F AM S A OM 30 -0.8 No. of permits 10 9 11 13 3 8 3 6 3 3 4 6 No. of permits 10 9 11 13 1 3 8 3 11 6

N/A

$90,000 2.5

Median Housing Prices Median Housing Prices0.5

J F AM SA OM

2.8%

2.0

0.5%

1 12

$30,000

$72,162

XXXX XXXX XXXX 2.5

Gross Domestic Product Sheriff ’s Foreclosure Auctions

-0.4

uctions Auctions oreclosure 0.5

$150,000

2.0% $1M

4th quarter

ST. CLOUD

1.0%

$0 O 30 No. of permits 10

2.8%

STEARNS COUNTY2011-2012 QUARTERLY % CHANGE 30IN REAL GDP 1.7% 6%

0.2 0.0

$72,162 $2,500

$1,200

$900

0.6

1.5 $30,000

0.4 O A S O $0 0.5S A O M MO A N MD J J J F AM 0.2 1No. of 0 permits 1 00 0 4 0 1 1 0 0 1 1 0 0 0 1 0

J J J F A MS AO M $0 O N D

2.0 60,000

o. of permits 0

1.0

$3,105,391

0.6

$1.5M

$157,030

150

$90,000

$1.5M

$15,075

50,000

$90,000 2.5

$3,105,391

ST. CLOUD

8% Food & Beverage Tax Tax Collections Lodging Dollars

Sheriff ’s Foreclosure Gross Domestic Auctions Product

$157,030

. CLOUD

0.8

$3,105,391

$1.5M

$15,075

$1.5M

$3,105,391

$3,536,834

2.8%

odging TaxHome Dollars Sales Closed - Total

$60,000

JF AM SA OM J J A S O $0 $0 O N D $60,000 J F M O A N M

N/A

Gross Domestic United ProductStates Nonfarm Jobs

$90,000

COUNTRY WIDE COUNTRY WIDE 2011-2012 % CHANGE COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED $150,000 10% $150,000 10% 0 0 $0 0 $2M $0$2M $0 J J A S O J J A S O O N D J F 10% M $2M A MO J N J D A J S F OM A M O N D J F $2M MO AN MD JJ JF AM SA OM O N D J F M OA 2.0% NGE 2011-2012 QUARTERLY % CHANGE UNITED STATES IN REAL-GDP MONTHLY % CHANGE STEARNS COUNTY2011-2012 QUARTERLY % CHANGE IN REAL GDP $120,000 $120,000 3.0 3.0 1.5% 1.0 50

arm Jobs

$2,500

$60,000

No. of permits 0

$.5M

N/A $195,840

STEARNS COUNTY2011-2012 QUARTERLY % CHANGE IN REAL GDP $120,000 $120,000 3.0 50

$900

$30,000 Unemployment Rates Unemployment Non Farm JobsRates

$1M

$.5M

-0.4

M J J60 F

$.5M

XXXX $.5M

$1.5M

1.7%

MO J N J D A J S F OM $0 $60,000 O N

14 12 7 16

2.0%

$.5M

Gross Domestic Product Sheriff ’s Foreclosure Auctions

$72,162 $2,500 ST. CLOUD$1,200

$150,000 $150,000 0.4 $1M $1M $0 MO O A N M D J J J F A M S A O M J J A 0.2 1 No.45 0of permits 1 0 0 $120,000 0 4 0 1 1 0 0 1 1 0 0 0 1$120,000 0 1 0 57 32 33 0.0

2.2% J60

1.0

Lodging Dollars Food & Beverage Tax Tax Collections

$1.5M $195,840 $72,162

0.6

Lodging Dollars Food & Beverage Tax Tax Collections St. Joe St. Augu ST. CLOUD ST. CLOUD

$2M

1.0

2.8%

$.5M

$18,600

$8,990

St. Joe

COMMERCIAL BUILDING PERMITS, BUILDING CONSOLIDATED COMMERCIAL PERMITS, CONSOLIDATED $150,000 $150,000

$1M

$120,000 $4M

$1.5M $.5M

& Beverage Tax Collections ax Dollars UnemploymentFood Food & Beverage Tax Collections St. Augusta2011-2012 St. Joe CLOUD ST. CLOUD St. Augusta ST.Rates St. Joe 30

J A $0 M AO

UNITED STATES MONTHLY % CHANGE 2011-2012 QUARTERLY % CHANGE IN REAL- GDP

$489,679

$.5M

$8,431

$5,475

M O

J F

150

Sales Closed - Total Lodging TaxHome Dollars

$.5M 8 $107,200

Employment

M J

$107,200 2 N/A -0.2 $195,840 -0.2 Building departments Sources: for the following cities: St. $1MCloud, Sauk Rapids, Sartell, Waite Park, St. Augusta, and St. Joseph. $8,990 90 $90,000 $90,000 $90,000

A D

$1M

-0.4 M 60

$0 $2M O

MO J N J D A J S F OM $0 O N

Gross Domestic United ProductStates Nonfarm Jobs

$709,473 $1M$5M

XXXX

0.0

$568,250 8

= exceeds chart scale $1M

$8,990

$1.5M

0.6 $3M $3M $3M 150 12 $150,000 6 0.4 $1M $0 $0 $0 $0 $0 2.0 $0 $0 O N D J F M A M J J A S O S A OM O N D J F MA N AS D MO JJ A S OO O N D J F M A M J J O N M D J J JO F ANM SDA OJM F J MJO A AN MSD J OJ J F A M 60 FJ $60,000 M A M J J A S O $489,679 0.2 10 $2M $2M of permits 14 12 7 No.813 8 13 18 50 12 11 o.120 No. of7permits of permits 5 3permits 3 1 7 17 12 0 21 221627 1912 72212 23 61 657No.45 32 33 1 of3permits 7 1 11 41714 34 7 36No. 1 3of 4 3 43 0 6 3 215 3 8 3 12No. 12 11 9 16 27 9 12 67No. 8 6 $2M 1850 of23permits 7 8of3permits 8 12 129 49 14 6$120,000 22 19 220 120

150

$1M

M $2M A

COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED

12 $1M

Sheriff ’s Foreclosure Auctions ome Sales Closed - Total

$1.5M

United States Nonfarm Jobs UNITED STATES - MONTHLY10% CHANGE

$8,990 CLOUD

$2M O N

N A

$1.5M

150

$5M $1M

$4M 68,250 $.5M

$2M $0 F

O M

$900 COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDA

Home Sales Closed Sheriff - Total ’s Foreclosure Auctions Lodging TaxHome Dollars Sales Closed - Total Waite Park Sauk Rapids ST. CLOUD St. Augusta Waite Park ST. CLOUD BENTON COUNTY ST. CLOUD

COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED $5M $1M

$568,250

St. Joe

$8,990

$3,536,834

e Auctions Sauk Rapids Sartell $1.5M

$1M $1M $0 $0 $0 $0 S A O M O J NJ DA J60 JJ FA $60,000 M S FO M AO MN JD JJ O AF N SM DOA JM FJ MJO AN $489,679 12 13 14 6 1 22 8 38 12 13 06No.11 1of permits 78 18 1150 16 1427127 7 12 1 23 417 19 34 No. of3permits 221 0 No.68of permits 16 11 127 711 No. 26 of 9permits 14 9

870

$3,536,834

of permits 31

$46,603,752

$6,178,910

$0 M AO MN JD

$3,536,834

0 $2M

$2M O

$568,250 $1.5M $.5M

$1.5M $.5M

$107,200 $1M

$2M $1M J J

O M 33 22

M ODJ SN

ITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED RESIDENTIAL BUILDING PERMITSBUILDING PERMITS RESIDENTIAL BUILDING PERMITSBUILDING PERMITS AL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED RESIDENTIAL RESIDENTIAL $2M $0

$.5M

$2M $709,473 $1M M J J A S D F M A $489,679 22 61 57 45 7 23 6 22 32 19

A N

$157,030

N A

No. of permits 50 $120,000

$90,000

$8,511

M O

$3,105,391

A SD M OJ

$.5M $39,800

$3,536,834

$15,075

$3,105,391

$1M

$8,990

$0 F

$157,030 $3,105,391

St. Joe

$1M

$1.5M

COMMERCIA COMMERCIAL BUILDING PERMIT

$778,000

$1M $0

$15,075

$5,475

$568,250 2

S A

Waite Park Waite Park St. Joe

$1M $0 J F JO M AN

$1M

$8,990

$150,000

$5M $1M J A

$4M

$568,250 $1.5M $.5M

$1M

$3,105,391

$12,457,379

$64,755

$157,030

COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED $3M 150

$2M $1M $0 M O A NM D J J J F A MS A O M 10 $2M 6 No. 5of permits 3 7 17 3 4 0 6 21 5 8 3 12 7 8 3 12 0 D

$18,600

$3,105,391

$2M 17 No. of permits 120

$3M

$2M

$1.5M

$.5M

$18,600

$15,075

$215,190

45 17

A M

$12,457,379

$46,603,752

$.5M

$8,511

$2M

$4M

$1.5M $.5M

$3,105,391

$46,603,752

$215,190

$8,431

$5,475

$8,431

J F

$8,431

$5,475

$1M

$0 $0 $0 $0 $0 $0 O O J NJ DA J S FO M AO MN J D J J AOF SNM ODA JM FJ MJ AO SM OA M O J NJ DA J S FO M A MN S JO O D JJ AF 60 M $2M $2M 4 permits 59 43 36 335 of026 621 16 2635of 14 permits permits 9105of6permits 242 No. 31 2 of 10 41 527 412 28 8715 2831 No. 40 13 48 11 45 757 1124No. 7 43of11 7 permits 27No. 46of permits 98 34 92431 122 4118 8127 No. 97 5 52 27 37 32 41 0 45 1 59 No. 36 1434 31

St. Augusta St. Augusta apids

$778,000 150

$4M

$4M $.5M

$0 $0 O D J F M A M J J A N S O O N D $2M $2M No. permits 37 24 141 35 59 32 42 41 35 of 26 21 52 40 27 48 No. 45 of57 permits M

$1.5M

$39,800

$46,603,752

$1M

$1.5M

$.5M

$39,800

$8,431

2 No. 3of permits 0 $2M6 4 16 8 13 2 11 3 7 0 11 6 26 16 14 13

$1M

$.5M

$5,475

$17,096,137

$3M

$12,449,306

$.5M $64,755

$5M $1M $0 M O A NM D J J J F A MS A O M

$25,702,953

$.5M

$5M $1M J A

$709,473 $1M$5M

Sheriff ’s Foreclosure Auctions Sales Closed - Total Home Sales Closed - Total Lodging TaxHome Dollars BENTON COUNTY ST. CLOUD ST. CLOUD Waite Park Sauk Rapids ST. CLOUD St. Augusta Waite P

COMMERCIAL BUILDING PERMITS, COMMERCIAL BUILDING PERMITS, CONSOLIDATED $3M $3MCONSOLIDATED 12

$2M 10 4 No. of permits

$46,115,239

$4M

$12,457,379 $23,294,590

$5,434,857

$1.5M

$709,473

$2M $1M

$2M

$4M

$17,096,137

$1.5M

$8,511

27 4137 4557 59 2443 3536 32 34 41

$12,449,306

$.5M

$8,511

COMMERCIAL BUILDING PERMITS, CONSOLIDATED$3M COMMERCIAL BUILDING PERMITS, CONSOLIDATED $3M A

$25,702,953

$.5M

$2M

$5M $1M

$2M

Sheriff ’s Foreclosure Auctions Sartell BENTON COUNTY Sauk Rapids

$1.5M

St. Cloud

$5M $5M$1M $1M NM D J J J F A MS A O M J J

$778,000

$46,115,239

$4M

$5,434,857

$64,755

$2,434,500

$4M

$17,096,137

$1.5M

Sartell

$778,000 $2M

$5M $1M

$12,457,379 $23,294,590

$5M $1M

$2M

$12,449,306

$25,702,953

$2M

United States

4% M

0.0

-0.2

J A N0.8U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

M OJ N J D

$1M $0

No. of permits 206 106 62

62 128 160 157 182 117 215 144 145

$60,000

ECONOMY CENTRAL

$30,000

No. of permits 31 $0

XXXX 7

N/A M

No. of permits 6% 0

No. of permits 141 59

$778,000

$1M

$.5M

$150,000 $0

0.5%

$.5M

DM A

JJS

FJO MA

0.4

AS MO

-0.4

-1.5% A N/AS

Minneapolis/St. Paul Rochester -1.0 J

$0 M AO MN J D J J A F SM OA

St. Cloud Minneapolis/St. Paul Rochester

No. of permits 0.0 52 27

J O-1.0 J A

St. 30 Cloud M J J A Paul S O Minneapolis/St. Minnesota 11 8 18 16 12 12 United States

$.5M $0

$1 O

No. of permits 10 $0

-1.5

No. of permits 0

-2.0

Augusta SaukSt. Rapids

RESIDENTIAL BUILDING PE COMMERCIAL BUILDING PERMITS, S

Minneso

$2M

$5M

MINNESOTA $4M

$1.5M

3.0

2.8%

$778,000

$709,473

$1M

2.5

2.2%

$0 D

JMO

JAN AMD SJ J OJ F A M S AO

D M

50 16 7 11 1914 22 2No. 02 10 6 260.5 5 of32permits 527St.13 12 7 23 78 6 11 22 Cloud

$30,000 4%

0.0

Mpls/St.Paul

M Minnesota A M J

United States

M 2006

M J 2007

A 2008

-0.2

O 2009

0.0

D 2010

$0 M

J N

FO MN A D M

-0.5

$39,800

$0 St. Cloud $0 O O N DO JN FD6%MJ AF MM -1.5 Minneapolis/St. Paul

32 No. of0 permits No.33of permits 4 1 717 11 Minnesota

4th quarter

6 14

United States

N/A D

3rd quarter

0.0 8% $568,250

-1.0

1.0

$60,000 = exceeds chart $0 scale

O 0.2 N

0.5

2.0%

= exceeds chart scale 1.7% $.5M $1M $8,990

1.5

12 of permits No. No. 49 31 of 4permits 8

$1M $2M

$.5M

$18,600

COUNTRY 1.5 WIDE 10% 1.0

$3M

-2.0

1st Quarter

2nd Quarter

Sources: Minnesota Compass led by Wilder Research; Bureau of Economic Analysis - www.BEA .gov.

0.0

$90,000 $8,511 6%

$1M

-1.0%

0.6 $0 F OM M J NAJ

0.2 O

8% $120,000

$2M

0.00.0%

$39,800

0.8

-2.0%

0 F $50,000 MO ANMD J J J F AM S A OM

2.0

No. of permits 14 12 A

-1.0

0.6

14 permits No. $50,000 of permits No. 52 27 37 57 32 6 41 45 359 42 of31 41 27 28 No. 15of permits 31 24 35 1735 26 4 21 40 548 45 743 336 034 21 8-0.612 8 0.4 -2.5% $30,000 $0 St. Cloud -0.8 N/A O N D J F M A M J J A S O -3.0%

$100,000

$1.5M

$1M

0.8

2.0%

A N/AS

30 $0

2.5%

$150,000

0.6

D M

$2M

$3M

3.0% 0.8

N F

$1.5M

O J

COUNTRY WIDE

0.2

$.5M

$60,000 $30,000

$0 D

BENTON AND STEARNS COUNTY - MONTHLY % CHANGE ST. CLOUD

60 M

$2M

-0.5%

1.03.5%

J J F A MS AO M

$4M

of permits 42 No.17 27 46 4 98 8 92 2 1223118 0127 61051697 13

J A FM M J

$5M

-0.2

60 $30,000 $0 D J F M OA NM D J

No. of permits 141 59

1.0%

$90,000 $60,000 $64,755

XXXX XXXX XXXX XXXX

$1M

$100,000

$1M $.5M A

2.0 10% United States Nonfarm Gross Domestic Product Annual change inNonfarm realJobs GDP Local Unemplo FoodJobs & Beverage Tax Collections UNITED STATES - MONTHLY % CHANGE 2011-2012 QUARTERLY % CHANGE IN REAL GDP COUNTRY WIDE

Local Nonfarm Jobs

$1M

$8,511

0.41.5%

$.5M

St. Cloud -1.5 Minneapolis/St. Paul Minnesota RESIDENTIAL BUILDING PERMITS RESIDENTIAL PERMITS COMMERCIAL BUILDING BUILDING PERMITS, CONSOLIDATED United States -2.0

BENTON AND STEARNS COUNTY - MONTHLY % CHANGE $120,000 $90,000

$2M $150,000

$200,000 90 $60,000

$1.5M

ST. CLOUD

$150,000 $120,000

$1M

MINNESOTA

$.5M

$46,115,239

$3M

120 $90,000

$1.5M

MINNESOTA $200,000

Median Housing Prices

$1M 40

$23,294,590

150 $120,000

$215,190

$4M

$5,434,857

$1.5M

TEARNS COUNTY ST. CLOUD

ST. CLOUD

$150,000 Median Housing PricesTax Dollars Lodging

$2,434,500

$150,000

XXX

-0.5

0.5O

Gross Domestic Product Unemployment Rates

Food & Beverage Tax Collections

ST. CLOUD

heriff ’s Foreclosure Auctions Home Sales Closed - Total

$6,178,910

$17,096,137

$12,449,306

$25,702,953

$2M O

$2,500

SartellWaite ParkSt. Joe

RESIDENTIAL BUILDING PERMITS RESIDENTIAL PERMITS COMMERCIAL BUILDINGBUILDING PERMITS, CONSOLIDATED 4% F M A M J J A $2M J $2M $5M

Housing/Real Estate Lodging Tax Dollars

$2M

$72,162 $489,679 $1,200

No. of permits 0

-0.5

$107,200

0.0

1.0

92 122 118$900 127 105

$.5M $0

N/A

RESIDENTIAL RESIDENTIAL BUILDING PERMITSBUILDING PERMITS $0

XXXX XXXX

$568,250

$30,000 ECONOMIC INDICATORS & TRENDS Waite Park St. Augusta Sartell Sauk Rapids St. Cloud O

N $8,990 D J

No. of permits 14 12

$30,000

$0 N/A O N D J BY F MFALCON A M J J BANK A S O PRESENTED $60,000

8% $1M $0

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• O N D J F M A M J J A S O •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• No. of permits 0 1 7 11 14 7 1 3 1 4 3 3 3 •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

$90,000

0.5 $0

$46,603,752

$5,475

$60,000

$107,200

$8,990

1.0

120

$1M $.5M 1.5J J A A M $195,840

$12,457,379

$2M $1M

$120,000

2.0

$.5M A$2MM

$8,431

$0 $90,000

$8,431

$90,000

10% $568,250

$5,475

$150,000

-0.2

Cost of Living - Minnesota

Sheriff ’s Foreclosure Auctions Median Housing Local Nonfarm Jobs Sheriff ’s Foreclosure AuctionsPrices Home Sales Closed - Total Lodging Tax Dollars Waite Park St. Augusta St. Joe Sartell STEARNS Sauk Rapids Waite Park COUNTY MINNESOTA BENTON AND STEARNS COUNTY - MONTHLY % CHANGE ST. CLOUD St. Augusta BENTON COUNTY ST. CLOUD COMMERCIAL PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS,BUILDING CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PERMITS, CONSOLIDATED COMMERCIAL BUILDING PE $200,000 Gross Domestic Product Sheriff ’s Foreclosure Auctions he St. Cloud area Median Housing Pricesaverage cost of living during Local No experienced a below A

$3M

2.0%

$8,431

$5,475

$107,200

N D J F M A M J J A S O $0 J J A S F M OA NM D J J J F A MS AO M

$1M

D $0

$568,250

$.5M

$195,840

$8,990

$72,162

$900

$010

O A

N JJ M DJ $0 J F OM NA

FA DM

M S JJ

A O M FJ MA

AS MO

9 7 Cloud 6 8 11 Area 8 18 16 12 12 of Realtors, No. ofhttp://stcloudrealtors.com/pages/statistics; permits 0 8 No.9of permits 6 5 14 2 12 2 7sources: 10 135 912 St. 1 No. 7 of permits 11 14 0 7 4 1 1 3 0 1 14 03 03 Housing/Real Estate Association 0.0 0 O N D J F M A M J quarter 4th quarter Quarter 2nd Quarter Benton3rdCounty Sheriff’s Civil1st Process; Stearn’s County Sheriff’s Office; http://thething.mplsrealtor.com/

ST. CLOUD

$150,000

150

0.4

0.0 -0.2

$90,000

-0.4

$60,000

$30,000

COUNTRY WIDE 10%

-0.6

-1.0

J F M $0 O N

No. of permits 14 12

N/A

M O A NM D J

J J F A MS A O M

1.0

4% F

J M

M M

0.0

JA JM A J S

0.6

0 Oct-06

1.0

Oct-07

Oct-08

Oct-09

Oct-10

XXXX

0.4 Visit www.BusinessCentral 20 Magazine.com 0.2

$100,000

1.5

0.8

Now online

2.0% 1.7%

Oct-11

$50,000 10 St. Cloud Sources: Tax Collections – City of St. Cloud Minneapolis/St. Paul Incorporations - MN Secretary of State, Graph courtesy of SCSU Rochester

0.5 0.0

$0 3rd quarter

4th quarterO

N1st Quarter D J

F 2ndMQuarter A M

0.0

-0.2 M JA

4th quarter

102.0

126.5

100.3 102.0

6% 101.1 108.2

98.0 N/A

102.2 109.2

100.9

117.5

-1.5

92.9

93.4

81.6

M J A FM MJ

Business Central Magazine •• JANUARY/FEBRUARY 2013

M A

95.4

112.3 106.4

M A

101.3 95.6

90.4

94.2

75.9

88.1

Wausau, WI

95.7

102.1

80.2

102.3 101.8

Median Housing Prices ACCRA COST OF LIVING MINNESOTA Among the 304 urban areas $200,000 participating in the third quarter report, the after-tax cost for a professional/ $150,000 = exceeds chartranged scale managerial standard of living from more than twice the national $100,000 average in New York (Manhattan) NY to almost 20 percent below the national $50,000 average in Harlingen, TX.

8% 111.9 102.5 20

103.7

Eau Claire, WI

10%

110.6 102.5 30

10 110.8 104.5

92.8

97.1

104.9 102.2

100.4 -2.097.0 D

78.2

2nd Quarter

99.7

XXX

110.2 101.4 4% 97.8

97.9

109.3 96.8 106.1 101.3

New York (Manhattan), NY Local 229.6 Nonfarm Job New York (Brooklyn), NY

Unemployment Rat

103.3 COUNTRY 102.4 WIDE

XXXX

-1.0

0 -0.2

107.5

-0.5

STEARNS COUNTY

96.2

1st Quarter

108.4

Minneapolis/St. Paul Minnesota United States

95.5

BENTON AND STEARNS COUN

180.2

Honolulu, HI San Francisco, CA

169.7 0.8 168.3

San Jose, CA New York (Queens), NY

157.0 0.6 152.4

Washington, D.C.

150.9 0.4

Stamford, CT Boston, MA

148.4 0.2 142.8

Juneau, AK St. Cloud

141.5 0.0

$0 MJ

Sheriff ’s Foreclosure Auc

Minneapolis/St. Paul Rochester FM

No. of permits 0

250

2.2%

200

$150,000

6 12

150

123

$0 St. Cloud O N D J F M A 0.0M J Minneapolis/St. Paul$0 O N D J F M O Rochester

78.0

0.0

110.8

3rd$30,000 quarter

76.8

STEARNS COUNTY BENTON AND STEARNS COUNTY - MONTHLY % CHANGE

2.0

168

100

Local Nonfarm Jobs Sheriff ’s Foreclosure Auctions

$200,000 30

2.5

183

2.8%

13 8

3.0

106.8

0.5

97.4

Cedar Rapids, IA

$90,000

Rochester, MN $0

ST. CLOUD AREA

MINNESOTA 2011-2012 QUARTERLY % CHANGE IN REAL GDP

2.0%

1.0

95.0

Cloud St. Paul,St.MN

N/A

Number of Incorporations

Median Housing Prices Gross Domestic Product

2.0

Minneapolis, MN J

No. 10 7 of13permits 9 9 $0

1.5106.2 94.7 1.7%

St. Cloud, MN 3rd Qtr0.52012 $60,000

$60,000

2.2%

$120,000

$90,000

-0.2 J J A S O M JJ J F A M S A O M $0 J J J F MO AN MD JJ JF AM SA OM

O O N D JCities F M of A Comparable M J J A S Size O Minnesota and other Upper Midwest to St. Cloud

1.5 MN St. Cloud, 2nd Qtr 2012

J F $30,000

$150,000

XXXX XXXX

-0.8

St. Cloud, MN 1st Qtr2.0 2012

0.2 $120,000

$120,000

120

2011-2012 QUARTERLY % CHANGE IN REAL GDP

Unemployment Rates Lodging Tax Dollars ST. CLOUD

0 S

St. Cloud, 3.0 MN 2.8% 2011 Average Minnesota Nonfarm Jobs Food & Beverage Tax Collections Annual2.5Data ST. CLOUD 95.6 MINNESOTA 103.9 78.5 102.2 101.1 - MONTHLY % CHANGE

1.0

0.6 $150,000

XXXX

Gross Domestic Product

UNITED STATES - MONTHLY % CHANGE

0.8

BENTON AND

0.8

United States Nonfarm Jobs Commerce/Services & -Beverage Home Sales Food Closed Total Tax Collections

$2M

MINNESOTA

Third Quarter 2012

0 A

$150,000

$2M

150

$200,000 the of 2012. The Cost of Living index measures regional 120 third quarter $120,000 $1.5M differences in the goods and services, excluding $1.5M taxes= exceeds chart scale $1.5M cost of consumer 0.6 0.8 90 $90,000 and non-consumer expenditures, for professional and managerial $150,000 0.4 households in the top income quintile. It is based on more than 90,000 0.6 $1M $1M $1M prices 60covering almost 600.2 different items for which prices$60,000 are collected $489,679 $100,000 quarterly by the St. Cloud Area Chamber of Commerce. Small differences 0.4 $30,000 $.5M $.5M $.5M St.30 Cloud 0.0 as showing $107,200 $195,840 should not be interpreted any measurable difference, according 0.2 Minneapolis/St. Paul $2,500 $1,200 $900 Rochester $50,000 to ACCRA.

$2M

30 $489,679

Al l It em s

No. of permits 31

$100,000

$50,000 $.5M

1.0

$1M

1.7%

1.5 10

$1.5M 40

2.2%

$1M

$150,000

$4M 8

0.5

$15,075

2.0

$1M

$3,536,834

$3M

$2M

$46,603,752

2.8% $1.5M

2.5

STEARNS COUNTY

$12,457,379

$4M

$2M

$5M

2011-2012 QUARTERLY % CHANGE IN REAL GDP 3.0 40

$2M

$5M

$3,536,834

Source: C2ER - The Council for Community and Economic Research. *Includes single-family and multi-unit residential housing

G Se ood rv s/ ice s

T po ran rta stio n He a Ca lt re h

Ut ili tie s

$3,105,391

$157,030

Ho us ing *

$3,105,391

G Ite roc m ery s

Economy Central presented by

-0.2

XXX J

Caryn Stadther Business Services Expert & Marketing Director

FUELING GROWTH ONE BUSINESS AT A TIME WITH PREFERRED SBA LENDING Thatâ&#x20AC;&#x2122;s me. At Falcon National Bank, we are proud to be a SBA Preferred Lender. We understand the financing needs of small and growing businesses and our knowledgeable experts take pride in delivering customized loans to help your business prosper. Falcon can meet a variety of small business needs including commercial real estate purchases, acquisition or expansion, construction, and much more. Thatâ&#x20AC;&#x2122;s reality.

www.FalconNational.com

“WHEN IT’S ALL SAID AND DONE, YOUR TIME, YOUR MONEY—ALL THAT WILL BE GONE. BUT IF YOU HANDLE THINGS RIGHT, YOU WILL HAVE LEFT YOUR MARK. AND THAT’S WHAT’S LASTING.” –ALEX DIDIER

Business Central Magazine •• JANUARY/FEBRUARY 2013

PHILANTHROPES KATHY GAALSWYK AND STEVE JOUL DESCRIBE THE MISSISSIPPI RIVER AS A GREAT COMMUNITY ASSET. THE SAME COULD BE SAID ABOUT THEIR ORGANIZATIONS.

BY DAWN ZIMMERMAN // PHOTOS BY JOEL BUTKOWSKI

t. Cloud businessman Alex Didier couldn’t stand by and watch another business be sold and charitable dollars follow it out of the community. He knew the vitality of the place he raised his family, built a business and called home for so many years depended on keeping the dollars in the community. So he took action and led a grassroots effort to create a vehicle that would facilitate giving locally. In his words, “When it’s all said and done, your time, your money—all that will be gone. But if you handle things right, you will have left your mark. And that’s what’s lasting.” Didier died in 2010, but his legacy lives on through the Central Minnesota Community Foundation. Nearly three decades since its founding, the Community Foundation has grown to more than $75 million in assets in 550 charitable funds and serves as a primary grant maker in the St. Cloud area, looked to for both dollars and insight. “Thank to Alex’s vision, the Community Foundation has generated over $100 million in charitable gifts and over $70 million has been distributed in grants to charities,” said Steve Joul, president of the Central Minnesota Community Foundation. In 1986 – not even a year after the start of the Community Foundation – the economic issues related to rural flight, poverty, and downtown decline in Greater Minnesota communities led the McKnight Foundation to step outside of the Twin Cities and provide the funding to start six Initiative Foundations, including the one based in Little Falls that serves a 14-county region encompassing the greater St. Cloud area.

In the past 25 years, the local Initiative Foundation has awarded more than $23 million in grants, provided $41 million in private business investments, and offered training and assistance to nearly 6,000 people through its programs focused on creating healthy communities, organizations, lakes and rivers and early childhood education.

Unlocking Potential

MCF and IF are not traditional foundations that raise money and award grants to worthy projects, although they do that, too. They are focused on facilitating dialogue around broad issues and connecting resources that improve the quality of life in this region. They both have complex, yet different, business models and they share a simple mission of building a stronger, more vibrant community. Much like businesses, they are driven by revenue, producing a valuable product and delivering value to their “shareholders,” Joul said. At the center of their work is a high amount of heart and an unwavering commitment to community. Their goal is to have the capacity and flexibility to meet community needs as they rise and stay at the forefront to be proactive whenever possible. Both foundations are looked to for community leadership. It’s not simply because they have the dollars to fund a project. It’s because they are connected at a level that few leaders are and they have an ability to initiate and facilitate action in ways that few can.

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

ABOUT

THE COMMUNITY FOUNDATION

101 Seventh Avenue S, St. Cloud, MN 56301 (320) 253-4380 CommunityGiving.org

MISSION: To engage people,

in the winter of 2011, more than

200 people evaluated the remaining list of 30. From that process came the Top 10 Community Priorities.

connect resources, and build community FOUNDED: 1985 by a group

of local business leaders, spearheaded by Alex Didier SERVICE AREA: Stearns, Benton, Sherburne counties with its affiliates serving Douglas, Kandiyohi, Crow and southern Cass counties PRESIDENT: Steve Joul EMPLOYEES: 15 ASSETS: $75 million NUMBER OF FUNDS: 550 ANNUAL GRANTS:

$5.3 million (2011)

ABOUT

THE INITIATIVE FOUNDATION

405 First Street Southeast, Little Falls • (877) 632-9255 IFound.org MISSION: To unlock the power of Central Minnesota people to build and sustain healthy communities FOUNDED: 1986 by the McKnight Foundation to address economic issues related to rural flight, poverty, and downtown decline, which were prevalent during the mid-1980s SERVICE AREA: 14-counties: Benton, Cass, Chisago, Crow Wing, Isanti, Kanabec, Mille Lacs, Morrison, Pine, Sherburne, Stearns, Todd, Wadena, Wright PRESIDENT: Kathy Gaalswyk EMPLOYEES: 21 ASSETS: $47 million NUMBER OF FUNDS: 65 ANNUAL GRANTS: $1.4 million in

grants and scholarships (2011) ANNUAL BUSINESS FINANCING:

$1.6 million (2011)

A Community Vision

hey came together in 2011 for the largest community collaboration to date. The result has been the identification of the St. Cloud Area’s Top 10 Community Priorities – and the achievement of some major, even longtime, goals such as starting a new privately led and funded economic development corporation, attracting air service, and developing plans for an aquatic and community center – just for starters. “We both are strong organizations with different goals and focuses, but we can complement one another and collaborate beautifully,” said Kathy Gaalsywk, longtime president of the Initiative Foundation. The community visioning process all started in 2010 with a trip to Dubuque, Iowa to see that city’s Cinderella story firsthand. The city went from stifling unemployment and business closures in the 1980s to one of the most vibrant towns today. The Central Minnesota Community Foundation and the Initiative Foundation led a group of community leaders to Dubuque to see what had made that small city in Iowa so successful. What they discovered was that Central Minnesota already had many great assets similar to Dubuque, but the St. Cloud area’s collective actions in making things happen were not always in sync with one another. That made all the difference in Dubuque. So in 2011, the Community Foundation and the Initiative Foundation, with the support of the St. Cloud Times, launched a community visioning process designed to identify key ways to improve the region’s vitality. Joul and Gaalswyk led community groups through a process to narrow a list of 200 priorities down to 30. Then in the winter of 2011, more than 200 people evaluated the remaining list of 30. From that process came the Top 10 Community Priorities.

Business Central Magazine •• JANUARY/FEBRUARY 2013

“This region is a great place to live, work and play,” Joul said. “But through this process, we are coming together to drive some key efforts that are taking our community to the next level.” The foundations organized task forces to develop and implement plans on how to meet the priorities. They created a joint fund with the Morgan Family Foundation last year to provide $75,000 to support key needs of the priorities. The three foundations awarded $52,500 of those dollars last year to seven of the projects. “I really believe the recession, as tough as it was, triggered some important conversations in our communities on what’s important and where we should focus our scarce resources,” Gaalswyk said.

Supporting Philanthropy

hile the two foundations have long been partners on a variety of community projects, they have two distinctly different business models and identities. Both of the foundations provide donor services, but it has been the primary focus of the Community Foundation since its inception. Today, the Community Foundation has 550 funds with $75 million in assets and the Initiative Foundation has 65 funds that represent $7.4 million of its $47 million in total assets. The Community Foundation has dedicated its resources to be the community’s “giving consultant,” Joul said. That means going beyond being a “charitable checking account” to providing individuals and businesses with the insight and expertise they need to connect their charitable gifts to their passions and increase the impact of those donations. “People want to know that their lives had meaning and one of the ways to do that is leaving a legacy in the community,” Joul said.

1 1

SUPPORT REGIONAL AIR SERVICE AND BIG LAKE CONNECTION TO NORTHSTAR LINK. LEADS: BILL TOWLE, ST. CLOUD REGIONAL AIRPORT, AND BRIAN BENSEN, SHERBURNE COUNTY

What’s New: Allegiant Air is beginning to provide flights from St. Cloud to Arizona and work continues to secure flights to Chicago. Efforts also continue to bring the Northstar commuter rail service all the way to St. Cloud.

5 5

COORDINATE REGIONAL PROMOTION OF CULTURAL, ARTS, AND ENTERTAINMENT ACTIVITIES. LEAD: MIMI BITZAN, ARTWORKS INITIATIVE

What’s New: AroundtheCloud. org has been launched and the City of St. Cloud and St. Cloud Arts Commission are focusing on marketing this highly interactive portal. It serves as an engaging one-stop resource for arts and cultural events in the greater St. Cloud area.

7 DEVELOP MULTIGENERATIONAL, MULTICULTURAL SERVICE AND COMMUNITY ACTIVITIES.

LEAD: GREG VANDAL, VOLUNTEER ENGAGEMENT INITIATIVE

What’s New: United Way of Central Minnesota “Week of Action” activities continue to spur volunteerism in the community. The United Way is working to recruit a strong base of volunteers who will be called on regularly to meet needs in the community.

2 2

CREATE EDUCATION AND BUSINESS PARTNERSHIPS THAT BUILD AND RETAIN AN EXCELLENT WORKFORCE.

SUPPORT THE LAUNCH OF THE GREATER ST. CLOUD DEVELOPMENT CORPORATION (GSDC).

LEAD: DR. EARL POTTER,

LEAD: JOHN KRAMER, GREATER

ST. CLOUD STATE UNIVERSITY

ST. CLOUD DEVELOPMENT CORP.

What’s New: St. Cloud State University, in partnership with the other academic institutions and the business community, is creating a web-based talent portal to connect local employers with prospective employees to help retain and attract workers.

What’s New: GSDC has taken leadership in economic development and received funds to implement a GIS planning tool that allows businesses to view and search available commercial properties in the area.

TOP 10 COMMUNITY PRIORITIES

The Central Minnesota Community Foundation and the Initiative Foundation partnered in 2011 to initiate a community visioning process that led to the identification of the St. Cloud Area’s Top 10 Community Priorities. The foundations have facilitated the project, organizing leadership teams for each priority, engaging area communities and providing financial support. Last year, the foundations awarded $52,500 to seven of the projects using dollars pooled in a joint fund they created with the Morgan Family Foundation. Here’s a look at some of the progress made. The foundations will host a community meeting to share more detailed updates on each of the priorities on Feb. 21 from 7:30-10 a.m. at the River’s Edge Convention Center in St. Cloud. Register at CommunityGiving.org

8 8

CREATE A RIVERFRONT DEVELOPMENT INITIATIVE BASED ON THE NEW RIVER PLAN.

LEAD: DAVID LEAPALDT

What’s New: The St. Cloud Area Joint Planning District Board has formally approved the plan, and Mississippi Partners, a group of city leaders and community volunteers, has formed to champion the implementation of the plan and other initiatives that impact the area’s urban river corridor. The group is working with the City of St. Cloud on updating the plan.

6 6

USE PLACEMAKING AND PUBLIC ART TO REVITALIZE THE URBAN CORE AND CONNECT THE RIVERFRONT, DOWNTOWNS AND NEIGHBORHOODS. LEAD: JENNIFER PENZKOVER

What’s New: City of St. Cloud and St. Cloud Arts Commission are developing a Placemaking Plan that outlines best practices, identifies key stakeholders, and engages community members in the process. Among the art infusions is the stamping of poetry in the city sidewalks in St. Cloud.

910 9

DEVELOP A REGIONAL COMMUNITY AND/OR AQUATIC CENTER.

STREAMLINE LOCAL REGULATIONS FOR NEW AND GROWING BUSINESSES.

LEAD: GREG GACK, YMCA AND

LEAD: TERESA BOHNEN, ST. CLOUD

What’s New: The St. Cloud Area Family Y announced plans in September to build this facility. The Y completed a feasibility and market study and is partnering with the City of St. Cloud and others to make this long desired community asset a reality.

AREA CHAMBER OF COMMERCE

What’s New: The Chamber of Commerce is developing a shared services survey to provide a comprehensive view of how local government units are working together.

CHUCK RAU, CITY OF ST. CLOUD TASK FORCE

FACILITATE CONNECTIONS FOR NEW IMMIGRANTS AND REFUGEES WITH THE BROADER COMMUNITY. LEAD: STEVE JOUL, CMCF AND KATHY GAALSWYK, INITIATIVE FOUNDATION

What’s New: The Central Minnesota Community Foundation and the Initiative Foundation together hosted a gathering of immigrant business owners and community leaders to discuss ways immigrants and new residents can grow and expand their businesses. Many ideas have come out of that event, including the possibility of creating a global marketplace in St. Cloud.

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

The results of that work can be seen throughout the community. The Clemens family looked to the Community Foundation to establish an initial fund for support of the Clemens-Munsinger Gardens that have become a destination in St. Cloud. Today, that fund has grown to more than $2 million in total assets and provides $200,000 in annual support. After years of managing corporate giving internally, Bernick’s began working with the Community Foundation and through it to give back to the communities it serves. The Community Foundation helped the company establish a systematic process that was fair and aligned with its charitable interests. Donor services are not something the Central Minnesota Community Foundation does – it is who they are. It’s not focused on a program, but rather keeping it personalized. That takes attentive listening and caring about the wishes and lives of each donor, Joul said. The role of the Community Foundation, although often unseen, has impact in the lives of people it serves. Being asked to speak at the funerals of donors and even carry their caskets are testaments to that. “It’s such an honor and privilege to carry a casket, knowing the peace they had and the legacy they’re leaving” Joul said.

Supporting Business

he Initiative Foundation was founded on the belief that the strength of a community is determined by the quality of its jobs and the vitality of its businesses, and has made economic development a primary focus since its inception. Gaalswyk said the Initiative Foundation has seen that businesses often have the knowledge, leadership, and innovative products to thrive in a community, but lack the collateral or capital to fully execute their ideas. The Initiative Foundation received an IRS designation after its inception to make business financing a charitable activity. “The Initiative Foundations are the only foundations in the country that we know of that have this IRS ruling,” Gaalswyk said. The Initiative Foundation dedicates about one-quarter of its assets to provide financing for new, expanding and locallyowned businesses in Central Minnesota. They invest $3.5 million annually in gapfinancing to financially-sound businesses that contribute to a strong and diversified economy. It’s been behind some of the most successful and well-established businesses in the region, from Netgain and DeZurik to Rengel Printing and Microbiologics, and helped retain or create about 11,450 jobs. More than one-third of those jobs are located in the tri-county area.

The Initiative Foundation’s five business financing programs provide between $50,000 and $500,000 and focus on providing more livable wage jobs in the region. These funds support jobs that pay an average of $18 an hour.

Community Impact

hile the Community Priorities have been the most recent and visible, the impact of the two foundations extends far beyond this work. They are often working behind the scenes, connecting both human and financial resources and building capacity. Joul and Gaalswyk have established both broad and deep connections in the local communities and have engaged soughtafter leaders in projects. Both foundations have been heavily involved in the Mississippi River Partnership, a multi-year effort to improve the environmental health and economic vitality of rivers and communities in the 10-state Mississippi River region. They have helped foster both conversation and concrete plans on how the St. Cloud area could leverage its place on the river. Over the past five years, the Initiative Foundation has played a key role in helping strengthen the seven core St. Cloud neighborhoods, providing a combination of training, technical assistance, resource connections and grant support. The

EDUCATION: BA Management,

College of St. Scholastica

WORK HISTORY: English Teacher at Civil Aviation Institute - Peoples Republic of China; Director of Marketing & Fund Development at Riverview Healthcare in Crookston MN; Director of Development at the Northwest Minnesota Initiative Fund in Bemidji

WORK HISTORY: 10 years

at Region 5 Development Commission in Staples; over 26 years at the Initiative Foundation based in Little Falls. FAMILY: Married to Neal for 36

KATHY GAALSWYK AGE: 54 TITLE: President, Initiative

Foundation

HOMETOWN: Born in Encino,

years. Three adult children, all married, and four grandsons (age 3 and under).

HOBBIES: Trained doula (birth

coach) and love to volunteer in this capacity; active in church and missions work; love hosting people in our home (especially if they bring babies).

California. I have spent all of my BEST ADVICE YOU’VE RECEIVED: adult life in Minnesota living first Treat others as you would like to on our family farm near Pillager, and now in the Brainerd lakes area. be treated.

Business Central Magazine •• JANUARY/FEBRUARY 2013

STEVE JOUL AGE: 46

TITLE: President

FAMILY: Wife, Brenda; three

children, Maura, 16; Bethany 14; Nicholai 7

EDUCATION: University of

HOBBIES: Kids Activities; Biking; Skiing; Sailing; Reading; Travel; MN Gopher Football

Chicago and University of Minnesota – Twin Cities; BS Economics; Past fellow Humphrey Institute Policy Forum

My father said “It’s not always what you know, but what you do with what you know that counts.”

HOMETOWN: Jackson, MN

BEST ADVICE YOU’VE RECEIVED:

the initiative foundation’s five business financing programs focus on providing more livable wage jobs in the region. Initiative Foundation provided the initial training to help the neighborhoods form a coalition in 2007. Since then, the Initiative Foundation has provided about $20,000 annually to help carry out neighborhood goals and assist with the cost of operating the St. Cloud Neighborhood Coalition. The foundations have helped expand thinking and create a greater sense of community. The Central Minnesota Community Foundation first brought the concept of social capital to the St. Cloud area through its creation of the community’s first Social Capital Survey in

2004. It initiated the survey with the help of the St. Cloud Times as well as support from the United Way of Central Minnesota, St. Cloud State University, St. Cloud Area Economic Development Partnership, and St. Cloud Area Chamber of Commerce. “We know that the more interconnectedness there is in a community, the higher the quality of life,” Joul said. “Through these surveys, we have brought awareness to that and helped people think differently.” The Social Capital Survey measures several indicators, from trust of policymakers

and law enforcement to awareness of opportunities to get connected in the community and the willingness to reach out to others, whether you are a student, a longtime resident, or a relative newcomer. The Community Foundation led a follow up survey in 2010 that showed that many of the community’s strengths identified in 2004 - volunteerism, high community engagement and philanthropy – remain. Many of those strengths are because of the work of the two foundations. “We just want to make our communities better,” Joul said, “and we’ve been able to engage some of the best and brightest leaders. Our job is to bring out the best of their abilities to lead and do good in this community.” BC Dawn Zimmerman is CEO of The Write Advantage, a St. Cloud-based communications company that specializes in helping organizations shape and share their stories.

Jan/Feb 2013 BC Ad_Layout 1 11/28/12 5:11 PM Page 1

Continuing to Make a Difference!

Committed to value, dependability, and quality. Providing architectural design and construction services in the Upper Midwest for more than 100 years.

architectural design + development +

Celebrating 41 Years of Excellence in Caring for You!

construction services + design/build + financing assistance +

Accredited by Accreditation Association for Ambulatory Health Care, Inc.

St. Cloud Surgical Center 1526 Northway Drive • St. Cloud • 251-8385 • 800-349-7272 www.stcsurgicalcenter.com

site selection +

Since 1874

Single source. Superior service. Remarkable Results. 320.251.4109 | www.millerab.com

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

FEATURE

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

PROFIT

Sustainable FUTURE

From farmer’s markets to your neighborhood grocery, sustainable farming is creating a new agricultural niche.

ncouraged by conscientious citizens and paying customers, the sustainable and organic agricultural movement is alive and thriving in Central Minnesota. Organic continues to be one of the most rapidly growing sectors in the food industry, now numbering 4 percent of total U.S. food sales, according to the Minnesota Department of Agriculture (MDA). MDA also notes there are more than 650 certified organic farms in Minnesota, with Stearns County No.1 in the state in the number of organic farms its population supports––58 total. “We believe in small scale and local. Farming organic fits hand-and-glove with this,” said Jim Degiovanni, who, with his wife Mary, farms 15 acres on a 40-acre tract outside of St. Joseph, Minn. They are certified organic for fruit, vegetables, and flowers, offering them at the St. Joseph and Sartell farmer’s markets and the Good Earth and Minnesota Street Market food coops. “Some commercial farms are mining the soil, depleting topsoil, adding more chemicals and petroleum-based products. The theory is this is not sustainable,” he said.

By mary macdonell belisle

Organic growth in supermarkets he natural and organic products niche has been growing steadily over the years and remains one of our strongest growing areas,” said Rhonda Siltman, category manager for Natural and Organic Foods, Coborn’s, Inc. “This is a direct response to customers requesting organic and local offerings.” Beginning 17 years ago with a single department at Cashwise in Waite Park, 30 Coborn’s stores now offer natural and organic foods. “Organics are an important part of the new stores we open.” Supermarkets now surpass specialty outlets in sales of organic food – 54 percent to 39 percent, respectively, according to the Organic Trade Association.

“T

Organic, natural, conventional SDA requires farmers and food producers who make organic claims to meet national organic standards, maintain careful records, and be certified by a U.S. Department of Agricultureaccredited organization, a process that includes on-site inspection. It takes 36 months for a conventional farmer to transition to organic. Crops must be grown on land managed to reduce erosion and increase soil nutrient levels, and nothing synthetic can be used before harvesting the first organic crop. There can be no use of genetically modified seeds. Insects and weeds must be controlled naturally, and there are strict manure and compost guidelines. Also, there are livestock guidelines. Animals need exercise, the outdoors, and humane treatment. Their diets should be organic feed

Petroleum, pesticides, preservatives oday’s conventional farming model uses chemical fertilizers and genetically altered seeds to increase yields and resist insects, transports goods over many miles to market, and uses preservatives and additives in its processing and packaging. Organic and sustainable farmers see these conventional practices as detrimental to the health of people and the environment. “I’m seeing more interest from the consumer about understanding the nature of high-quality food,” said Bernie Quist, senior team leader at CENTRAL MINNESOTA AGRICULTURE AgStar Financial Services, a cooperative that provides financial services and business tools to For more on farming in Central Minnesota, check out the special pull out section on agricultural and rural clients. “It’s of importance to page A1 in this issue of Business Central. You can also find out more at the 2013 Central every farmer, as most are conscientious stewards of Minnesota Farm Show. the land.” Over the past 10 years, Quist has heard FOR INFORMATION ABOUT BECOMING WHEN: Tuesday – Thursday, more farmers refer to themselves as “organic.” AN EXHIBITOR: Contact Ginny Kroll, February 26-28 from 9 a.m. – 4 p.m. Quist’s observations are supported by an MDA special events coordinator, St. Cloud Area report showing that three quarters of respondents WHERE: The River’s Edge Convention Chamber of Commerce, (320) 656-3805 or to a recent survey indicated they had switched Center in St. Cloud • COST: Free Admission vkroll@StCloudAreaChamber.com from conventional to organic farming.

Business Central Magazine •• JANUARY/FEBRUARY 2013

and pasture. They cannot be given hormones or antibiotics; however, a sick animal must be treated. Degiovanni noted that his sheep are susceptible to parasitic stomach worms. “Even under organic standards, you must treat them with a wormer. So they’re no longer certified organic, even if 99.9 percent of their life was organic.” “Organic” status calls for strict criteria. The chickens also are not organic because Degiovanni buys natural feed, rather than organic, from Heim Milling Company. To be USDA-certified as organic, the family-owned Heim Milling, St. Cloud, would have to set up a separate operation under strict rules. “Everything would have to be a special line,” said Bob Heim, manager/owner. Instead, the company processes and sells feeds without antibiotics or hormones for poultry, swine, dairy cows, beef, and specialty birds like turkey and pheasants. These are considered USDA natural products, Heim explained. The USDA defines “natural” as a product containing no artificial ingredient or added color and is only minimally processed. Minimal processing means that the product was processed in a manner that does not fundamentally alter the product.

In pursuit of a higher standard rganic,” “natural,” and “conventionally raised” are terms that cause consumers confusion, said Julie Berling, director of Brand Advocacy & Marketing for GNP Company (formerly, Gold’n Plump), in Cold Spring. “Our philosophy is that it’s all a matter of providing choice for the customer.”

“O

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

www.scr-mn.com

Formerly St. Cloud Refrigeration CentRal | metRo diViSion St. Cloud 320-251-6861 MetRo 800-827-1642

RefRigeRation HVaC SeRViCe Building automation food SeRViCe

noRtHeRn diViSion BaxteR 800-273-9071

SoutHeRn diViSion RoCheSteR 877-399-4546 Mankato 800-447-3259

POWERING YOUR BUSINESS IS HUMANLY POSSIBLE Build the workforce you need to succeed in this new business environment. 425 East Saint Germain Street Suite 103 Saint Cloud, MN 56304 320-251-1924

HARNESSING TECHNOLOGY. UNLEASHING

YOUR POTENTIAL.

C a l l t oday for all your IT needs: • Web Site Design and Development • Content Management Systems (CMS) • Search Engine Optimization (SEO) • E-commerce

• Custom Applications Development • Dashboards and Reporting • Project Management • Network Design and Support

Contact Jaime Engel 320.257.7100 www.jdb.com

Featured Project AbeTech

Highlights: Over 130 Pages , Kentico CMS Random Customer Quote Repeater, Web Analytics www.abetech.com 38

Business Central Magazine •• JANUARY/FEBRUARY 2013

FEATURE

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

PROFIT

Last year the company began a movement to better connect people with their food. It pursued “a higher standard of ‘natural’ than the USDA definition,” according to Berling. “With our ‘Just BARE’ brand, we have gone through another level of animal welfare. Our efforts are based on the need and desire for customers to know the animals are raised humanely.” The American Humane Society certified the brand according to rigorous standards for the handling and raising of the chickens.

Challenges or some farmers, this year may have been the turning point; it might not be economically feasible to continue with organic practices,” AgStar’s Quist said. “Feed costs are higher, maintaining organic certification is expensive, and accessing organic products like seed, feed, and fertilizer is more difficult.” Nevertheless, the MDA reports that organic farmers are optimistic and that three of four believe they’ll remain in farming for the next 20 years. That’s good news to Americans who have an appetite for food that is friendly to them and to the environment. For a list of resources for this article, visit www.BusinessCentralMagazine.com BC

“F

St. Cloud writer Mary MacDonell Belisle operates “mary macdonell belisle – writerforhire.” Her mission is to help businesses and non-profits craft effective communication messages through the written or spoken word.

SPECIAL FOCUS

•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

WELLNESS

THE ROI OF WELLNESS W Employee wellness programs can have a positive impact on your company’s bottom line. hile most small businesses don’t offer health and wellness programs* to their employees, three of four that offer such programs do find the initiatives have a positive impact on their bottom line. That’s one of the key conclusions of a study of more than 1,000 small business owners by Humana Inc. and the National Small Business Association (NSBA). The study, Workplace Wellness Programs in Small Businesses: Impacting the Bottom Line, aimed to uncover health and wellness needs and barriers facing small businesses in today’s post-recession business recovery.

Key findings include: •• An overwhelming 93 percent of the respondents consider their employees’ physical and mental health to be important to their financial results, but only one-third express confidence in their ability to help employees manage their well-being. •• More than half surveyed maintained

that insufficient information is available that pertains to small businesses introducing health and wellness programs. •• Startups – those companies less than 10 years old – are leading the way with 31 percent having already adopted health and wellness programs. CONTINUED ON NEXT PAGE.

HEALTH CARE & MEDICAL SERVICES

Turn the page to learn more about the variety of Health Care & Medical Services available in Central Minnesota.

HEALTH HEALTHCARE CARE&&MEDICAL MEDICAL SERVICES SERVICES

Williams Integracare Clinic

Certif ied Healthcare Constructor

St. Cloud Hospital St. Cloud Orthopedics

CentraCare Health System

Arminte Coleman Center Director Specializing in Weight Control 320-281-5201 stcloud@mymedifast.net www.medifastcenters.com

Dr. Timothy D.O. Gorecki Hiesterman Guest House

Mark Halstrom, M.D.

Douglas J. Boser

t Medifast it’s all about you!

Family Practice / Board Certified You’ll meet with someone (320) 251.2600 • www.icareclinics.com

honestly interested in you. To start, illiams Integracare is your Medifast counselor willClinic sit with pleased to offer the services of you and just talk. We want to get to Mark Halstrom, M.D., who specializes in know you and determine together Prolotherapy, a regenerative injection which path is right for you.knee, We are therapy. Worn out shoulder, andso elbow tissueyou andwill tissue beenwith confident losethat thehas weight injured pre-maturely becomeWeight our clinically provencan Medifast functional again through a series of Control Plan that we will guarantee Prolotherapy injections. Pain reduction, your results! Our Service Guarantee will improved movement, and increased provideare youallthe comfort and confidence strength benefits patients realize of knowing you chose the program with Prolotherapy. Call todayright for an appointment with Mark Halstrom, to achieve your weight loss goals.M.D.

C C

Boser Construction, Inc. www.boserconstruction.com

ongratulationsto to Douglas, Douglas, J.J.Boser ongratulations Boserwho who hasbrought broughtBoser Boser Construction, Construction, Inc. has Inc.toto thenext nextlevel levelby by attaining attaining Certified the CertifiedHealthcare Healthcare Constructor status through the American Constructor status through the American Hospital Association. As the business owner, Hospital Association. As theconstruction business owner, Doug has created a thriving Doug has created a thriving construction company over the past 16 years that has company over theleader past in 15Commercial, years that has become an area Medical and Institutional construction. His dedication become an area leader in Commercial, Medical to the medical construction industry is evident and Institutional construction. His dedication his processes, employee training and tothrough the medical construction industry is evident continued education in this field. through his processes, employee training and continued education in this field.

D C

General Orthopedics Contact:Trauma Sally Allen, Orthopedic Surgery Gorecki 320-259-4100 Guest House Manager (320) 251-2700, ext.50993 www.stcloudorthopedics.com allens@centracare.com www.centracare.com/foundation r. Timothy Hiesterman D.O. is

the latest addition St. Cloud onveniently located to across the street from St.expanding Cloud Hospital, the Gorecki Orthopedics, the specialty of Guest House is a non-profit service that Orthopedic Trauma Surgery. Dr. Hiesterman provides affordable, temporary housing in a treats fractures of the upper lowerand peaceful, homelike setting forand patients extremities, pelvismedical and acetabular fractures, families receiving care in the St. Cloud community.and A donation of any will help malunions, nonunions. Heamount also provides us continue care to offer to our Central orthopedic for hospitality hip and knee Minnesota neighbors and those traveling long replacements, surgeries, distances to bearthroscopic close to the people theyand love sports-related injuries. Hemost. bringsIfanyou extensive when they are needed the are interested inofmaking a donation, please knowledge musculoskeletal care and visit www.centracare.com/foundation. If you are orthopedic trauma to St. Cloud Orthopedics interested in volunteering at the guest house, and is now accepting appointments. please contact us at (320) 251-2700 ext. 55638 or at volunteer@centracare.com.

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

HEALTH CARE & MEDICAL SERVICES

McGough Construction St. Cloud Hospital Campus

Smoking habits

BY THE NUMBERS

Employee Well-Being Jim Rothstein General Manager (320) 654-2043 • jrothstein@mcgough.com www.mcgough.com • General Contractor

n early 2012, McGough expanded its presence to include St. Cloud. McGough’s history in this region began with the construction of St. John’s Abbey Church on the St. John’s University campus in Collegeville. Recent work includes the expansion of the CentraCare St. Cloud Hospital, a nine-andone-half-story, 516,000-square foot, multiphase project, and St. Cloud State’s Integrated Science and Engineering Laboratory Facility (‘ISELF’), a 100,000-square foot research and teaching facility for sophisticated science, technology, engineering, mathematics, medical technology, and radiology classes.

Survey results show that stress levels more than triple other employee well-being concerns.

42%

1Weight 1%

High stress levels

Management

13% Psychological 15 % well-being Don’t know/ unsure

CONTINUED FROM PREVIOUS PAGE.

“For 50 years, five behavioral issues have consumed an estimated 80 percent of the nation’s health care budget: poor diet, stress coupled with inactivity, smoking and drinking. Humana understands the role of small business in supporting our economy and we are committed to helping these employers and their employees combat such issues and achieve lifelong well-being,” said Jerry Ganoni, president of Humana’s

Small Business Division. “We’re encouraged that employers recognize the importance of wellness programs, and through our collaboration with the NSBA intend to provide information that small businesses can use to help address the wellness barriers they identified.” BC (*This survey defined health and wellness programs as initiatives aimed at encouraging employees to make healthier choices such as getting preventative care, eating right and exercising.)

ST. CLOUD HOSPITAL GETS A MAKEOVER! The St. Cloud Hospital is a comprehensive, high-quality regional medical center that provides a complete spectrum of inpatient and outpatient services. The hospital employs nearly 4,300 professionals, and, with a staff of 400 physicians, is the largest employer in the region. Recently, McGough Construction, one of the largest builders in the Upper Midwest, renovated the hospital, built a 10-story, 467,000-square foot addition that includes private rooms for post-surgical patients, OB/GYN, pediatric, medical, oncology and heart patients, together with infrastructure and services for 22 new operating rooms, a new 600-space parking ramp and 150 additional spaces in the existing ramp. McGough, headquartered in St. Paul, has additional offices in Rochester, Minnesota, Phoenix, Arizona, and a brand new office presence in St. Cloud, staffed with construction experts to participate in the explosive growth planned for Central Minnesota. 40

11%

Alcohol or other drug habits

Business Central Magazine •• JANUARY/FEBRUARY 2013

www.mcgough.com

HEALTH CARE & MEDICAL SERVICES

St. Benedict’s Senior Community

SAVING GREEN

Money-Saver Source: “Workplace Wellness Programs in Small Business: Impacting the Bottom Line”; National Small Business Association (NSBA) and Humana.

Lowering health costs is the No.1 reason companies implement employee wellness programs. Small business owners rely heavily on the bottom line when considering employee benefit plans. Among the small firms that offered a health and wellness program in the past, 49 percent said they believe such a program would positively impact their bottom line.

Among those that never had a wellness program, just 35 percent believe a wellness program would positively impact their bottom line.

When asked to rank their biggest motivators in implementing a wellness program, small business owners said:

LOWER LONG- TERM HEALTH COSTS

IMPROVE MORALE

INCREASE PRODUCTIVITY

Benedict Village and Benedict Court

Among those businesses currently offering a wellness program, 78 percent believe the program positively impacts their bottom line.

Online now For the complete survey, visit www.Business CentralMagazine.com

On the campus of St. Benedict’s Senior Community 320-203-2747 sbcinformationregistry@centracare.com www.centracare.com

he weather outside is frightful, but the fire is so delightful at Benedict Village and Benedict Court. Put down your shovel and pick up your social life with outings, happy hours, shopping trips, and musical entertainment. Personal care delivered to your individual apartment is among one of the many community highlights. Come in for a complimentary lunch and tour to hear firsthand how others are living life to the fullest at Benedict Village and Benedict Court.

When you get a second chance... from something as traumatic as heart failure – even recovery scares you. At the Short Stay Unit of St. Benedict’s Senior Community, heart-failure certified nurses excel at helping cardiac patients back to their highest level of independence.

(320) 654-2355 www.centracare.com

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

HEALTH CARE & MEDICAL SERVICES

St. Cloud Orthopedics

St. Cloud Medical Group

Dr. Kim Schaap, M.D.

Bartley Mueller, M.D.

General Orthopedics; Sports Medicine 320-259-4100 www.stcloudorthopedics.com www.schaapmd.com

Family Medicine 320-251-8181 www.stcloudmedical.com

im Schaap, M.D., is one of 19 physicians serving at St. Cloud Orthopedics. Dr. Schaap received her medical degree from the University of Minnesota Medical School after a residency at the U of M’s Department of Orthopedic Surgery. Dr. Schaap joined St. Cloud Orthopedics in 1999. She has a special interest in sports medicine, including arthroscopic knee and shoulder procedures, as well as minimally invasive joint replacements.

artley Mueller, M.D., specializes in Family Medicine at St. Cloud Medical Group. He received his medical degree from the University of Colorado Health Sciences Center in Boulder, Colorado and completed his residency at Clarkson Family Medicine in Omaha, Nebraska. Dr. Mueller is board-certified in family medicine and is a member of the American Academy of Family Practice and the Minnesota Medical Association. Dr. Mueller joined St. Cloud Medical Group in 2011 and is accepting new patients at the South Campus.

Midsota Plastic Surgeons

(320) 253-7257 •• info@midsota.com www.midsota.com

idsota Plastic Surgeons has set a standard of excellence in the cosmetic and reconstructive industry by delivering patients the results they desire. Our commitment to high quality and personalized patient care has made us the largest private plastic surgery clinic in the Upper Midwest. From our surgical center in Minnesota to our mission trips to Guatemala, our experienced surgeons are transforming not only our patients’ appearance, but also the quality of their lives. Let us help you imagine the possibilities.

We’re ready for you when accidents happen. Trauma specialists at St. Cloud Orthopedics are prepared to repair your injury and guide your recovery.

re turn

(verb) go back to a former condition See also: St. Cloud Orthopedics St. Cloud Orthopedics uses the same resources and has the same expertise found at any Level 1 trauma center in the state.

1901 Connecticut Ave S, Sartell StCloudOrthopedics.com 320.259.4100 orthopedics redefined

Knee & Shoulder • Joint Replacement • Sports Medicine • Hand Center • Trauma • Spine Center • Foot & Ankle • Physical & Occupational Therapy 42

Business Central Magazine •• JANUARY/FEBRUARY 2013

HEALTH CARE & MEDICAL SERVICES

Our Focus: Your Time Immediate care when you need it most Sometimes, your body runs on its own time—and it seems like most illnesses or accidents happen just after most clinics close. That’s why we offer after-hours health care at both of our St. Cloud locations, evenings and weekends, seven days a week. It’s the same conscientious and kind care we offer during business hours, but at a more sick-friendly time. It’s the genuine care and respect we have for our patients that make the difference.

StCloudMedical.com South Campus

320-240-2170 Northwest Campus

320-529-4741

Express Care Monday – Friday 2:30 P.M. – 9:30 P.M. Saturday – Sunday 10 A.M. – 5 P.M.

Family Medicine + OB/GYN + Pediatrics + Express Care Physical Medicine & Rehabilitation + Occupational Medicine + Surgery BusinessCentral7.5 x 4.875[ExpressCare].indd 1

6/26/12 9:53 AM

Celebrating 30 Years!

We would like to thank everyone who has contributed to the ongoing success of Midsota Plastic Surgeons, including our patients, their families, our past and current employees, our referring medical providers and our business partners.

Thank You! www.midsota.com 1.888.MIDSOTA St. Cloud • Brainerd • Alexandria Maple Grove • Pequot Lakes

Dr. Smith (Emeritus) • Dr. Yang • Dr. Heath • Dr. Houle • Dr. Erickson • Dr. Satterberg • Dr. Schultz

J A N U A R Y / F E B R U A R Y 2 0 1 3 • • w w w. B u s i n e s s C e n t r a l M a g a z i n e . c o m

SMART BUSINESS : WILLIAMS INTEGRACARE CLINIC – ICARECLINICS.COM

Medicine. Chiropractic. Physical Therapy. All in one. Williams Integracare Clinic – ICareClinics.com

Mark Halstrom, M.D., Nichole Roiko, D.P.T., Michael Milbauer, D.C.

recovery plan, avoiding the potential for conflicting opinions that could hamper your progress. Need a second opinion? Let us deliver our professional perspective, based on combined treatment options. — mary macdonell belisle

One body. One solution. One place.

WILLIAMS INTEGRACARE CLINIC

100 South 2nd St./PO Box 296 Sartell, MN 56377 320.251.2600 info@icareclinics.com Williams Integracare Clinic delivers ONE SOLUTION from an integrated team of professionals for an individual’s healthcare needs.

HEALTH CARE & MEDICAL SERVICES

Hagemeister Mack Architects

Sartell Pediatrics

Murray Mack, Principal (320) 251-9155 m_mack@hmarch.com www.hmarch.com

he Sartell Pediatrics clinic is a newly renovated facility designed by Hagemeister Mack Architects and is located in Sartell, MN. The building features a large lobby space with abundant natural light. Colorful walls, cultured stone, and unique lighting add to the appeal of the space. Large expanses of glass create a welcoming and visible space at night. We wish Dr. David Smith and his staff all the best as they begin operations in this unique building. 44

Business Central Magazine •• JANUARY/FEBRUARY 2013