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PROGRESS Business Finance Agriculture

First of Four Sections • Wednesday, February 20, 2013


BUSINESS • FINANCE • AGRICULTURE

Editorial index Agriculture, overview.................................2 Behr Design..............................................14 Brokers Real Estate Inc...........................16 Chase Bank ..............................................12 Creative Marketing Strategies ...............13 Creative Vacations by UNIGLOBE Travel.....................................................31 Edward Jones ...........................................17 Eikenberry Retirement Planning ...........21 Employment, overview ............................28 Farm Service Agency .................................7 Francis Furniture ....................................24 Gagel Plumbing and Heating..................23 Kah Nursery.............................................15 Mainstream Renewable Power..................5 McCrate, DeLaet Financial Advisors, LLC .......................30 Minster Bank .............................................9 Monnier & Co. ..........................................25 Osgood Bank ............................................11 PERRY proTECH.....................................26 PNC Bank ................................................10 Realty 2000 Group ...................................19 Studio Eleven ...........................................29

Sidney Daily News,Wednesday, February 20, 2013

U.S. Bank....................................................8 VPP Industries.........................................24 Winner's Meats ..........................................6

Advertising index A & B Machine .........................................16 Agrana Fruit US, Inc .................................4 Apple Farm Services ............................... 28 Barker Insurance Agency ......................... 9 Broker’s Real Estate Inc. ................11 & 27 Buckeye Ford............................................26 Clancy’s...................................................... 6 Cy Schwieterman Inc...............................30 Dr. Lee’s Stoves and Saddles ...................10 Dorothy Love Retirement Community .... 8 Edison State Community College .......... 17 Emerson Wagner Realty ..........................22 Fair Haven Shelby County Hom .............31 Father Hubbard’s Cupboard......................8 Ferguson Construction ............................15 Francis Furniture ....................................11 Fultz Warehouse Carpets ........................23 Gagel’s Plumbing & Heating ...................12 Gateway Arts Council ............................. 21

Page 2

Greve Drywall & Painting .......................13 Greve Electrical & Plumbing ................... 8 Hampton Inn Sidney................................. 7 Helman Brothers Body Shop.................... 4 Honda of America, Mfg ............................ 3 HR Associates Personnel Service ............13 Lochard’s Inc. ...........................................21 Mutual Federal Savings Bank ................ 6 New Knoxville Supply .............................13 Osgood State Bank...................................14 PERRY proTECH.....................................23 Primecare Physicians of West Central Ohio..........................................28 S & H Products.........................................12 Schmiesing Refrigeration ........................23 Shelby County Library ............................24 Shreves Construction............................... 7 Sidney Body Carstar............................... 26 Sidney Electric Co. ................................... 9 Sidney Inn ................................................29 The Pavilion Care Center ........................24 The Spot of Sidney ...................................16 Upper Valley Career Center ....................25 Valentine Vision (Dr. Phillip Valentine) ...........................21 Westaff ...................................................... 4 Western Ohio Cut Stone ..........................25 Wilson Memorial Hospital.......................32 Winner’s Meats.........................................29 Wissman Door Sales ..................................5

Farmland rent ‘going through the roof’ in Shelby County BY PATRICIA ANN SPEELMAN pspeelman@civitasmedia.com Despite drought, a too-wet spring and a too-hot summer, agriculture production in Shelby County is successful enough to have cash rents for farmland “going through the roof,” according to United States Department of Agriculture Farm Service Agency County Executive Director Latham Farley. The average rent per acre per year in 2012 was $162, up 18.2 percent over 2011’s average of $137, and a

whopping 33 percent increase over 2010. “The low end for the rents is $125 per acre,” Farley said. “We’ve been hearing the high end is up to $425 per acre.” Rents are based on how good the soil is, how rocky it is, how well it drains, how large the farm is, how close it is to a home farm and how easy it is to get in and out of. Current figures rank Shelby County fifth-highest among Ohio’s 88 counties after Darke, Mercer, Van Wert and Miami counties. The amount of farmland here is

about 217,969 acres, 88.46 percent of the total acreage of the county. The number comes from a survey conducted in 2007 by USDA National Agricultural Statistic Service (NASS), the latest information available. The NASS will conduct another survey this year. There are more than 2,000 farmers working 1,050 farms and 60 of those farms are operated by women. The average size of a farm owned by a woman is 133 acres. The average size of all Shelby County farms is 208 acres. Among minority farmers in 2007,

there were two Hispanic farm owners and two African-American farm owners in Shelby County. More recent figures available for crop yields rank Shelby County 11th in the state in 2012 winter wheat production, with 13,200 acres planted, 12,700 acres harvested of an average of 74 bushels per acre and a total production of 940,000 bushels. Figures were not available for corn or soybeans. End-of-year records also were not See FARMLAND/Page 4


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 3

CONTINUING Investments, New RESPONSIBILITIES Associates at Honda’s Anna Engine Plant have achieved many “firsts” over the last 27 years.

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BUSINESS • FINANCE • AGRICULTURE

FARMLAND

Sidney Daily News,Wednesday, February 20, 2013

Page 4

From Page 2

available for livestock at press time; however, NASS information lists the following statistics for the beginning of 2012: 6,700 milk cows in Shelby County, 27,500 cattle and 1,400 sheep. There were no figures available for goats, horses, hogs, or poultry. “Every year is different,” said Roger Lentz, who retired as the county executive director in October 2012, “and (2012) was very different.” The weather surprised everyone. “March was so warm and dry, some farmers began to plant,” Lentz said. “We went to the field two or three weeks early. The crops got a good start and then it got hot and then it got dry.” Farmers were worried about their yields but August rains saved most crops, even though the “saving” was not consistent throughout the county. “Most farmers were pleasantly surprised with yields this year,” Lentz said. Newer varieties of seeds can withstand weather changes. “The livestock producers didn’t fare as well as the grain producers,” he added. Beef sold well, especially because producers in the southwest U.S. had to liquidate herds because of the severe drought there. SDN Photo/Luke Gronneberg, file “But for (local) hog and dairy producers, it was more of a struggle because of the high cost of feed,” JORDAN WELLS watches his older brother Phillip Wells move cow manure on their family farm in Anna in March 2012. They are the sons of William and Mellisa Wells. Lentz said.

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 5

Shelby County farmers look to growth of new local “windustry” JACKSON CENTER — In 1887, inventor and Ohioan Charles F. Brush invented what many believe was the world’s first electric wind turbine. “Now, more than 125 years later, technology innovation and wind energy remain part of Ohio’s tradition,” said Lena Stinsa, Mainstream Renewable Power subcontractor. Her report continues: Coupled with Shelby County’s rich agricultural heritage, the natural compatibility of wind energy production with agricultural production now offers a new window of opportunity with the development of the Montra Hills Wind Farm. In the fall of 2010, Mainstream Renewable Power began researching Shelby County as a proposed wind farm site. Focusing on the areas north and west of Jackson Center, spread-

ing to the east of Botkins and the northeast of Anna, the Montra Hills Wind Farm site would serve as the new home to a proposed 200 MW of clean, renewable energy. In the spring of 2011, the multi-year process of connecting with landowners on the wind farm and leasing requirements began. Landowners within the project area soon began doing their research into wind farms and the leasing requirements. During 2012, Mainstream established a local office in the village of Jackson Center inside the People’s Federal Bank building on E. Pike Street. Visitors are welcome on Monday, Wednesday and

Friday from 9 a.m. to 4 p.m. The numerous longterm economic and environmental benefits of wind farms are among the many reasons that area farmers are embracing this new endeavor. These include: Local investment • A new, fixed source of tax revenue which can greatly help finance vital public services • The project could add local property tax payments up to $1.8 million per year, while generating a total of $300-$400 million investment that result in economic benefits (directly and indirectly) to the state • Up to $1.1 million to local landowners in annual lease payments

• Increasing day-today local spending on goods and services • Contributing to the increased prosperity of counties, often creating a sharp increase in local business revenues during and after construction Job creation • Wind farms generate local employment throughout their lifecycle, from the earliest years of the development phase, through construction, and to the operational phase, which lasts 25 years or more • Once completed, the wind farm would employ about 10-15 full-time employees • Statewide, it is estimated that 5,000 to 6,000 jobs in Ohio are currently tied to wind power, second only to Iowa. (http://www.wksu.org/ne Photo provided ws/story/33839) Additionally, farmers MAINSTREAM RENEWABLE Power, located in hosting wind turbines Jackson Center, is proposing using wind farms in See WIND/Page 6 the county to create clean, renewable energy.

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 6

Third generation of Winner family continues traditions started in 1928

WIND

third generation of the Winner family, with members of the fourth generation starting to take on leadership roles at Winner’s Meats. Winner’s Meats reputation for decades has been, “Quality.” Producing retail cuts from their own cattle and hogs, they raise themselves, and then selling them as quarters or halves cut to their customer’s specifications. Currently they are operating two processing facilities and a retail store located in Osgood,

From Page 5

on their properties will be able to depend on the fact that no matter how high temperatures rise or how limited the rainfall, the wind blows steady, the turbines continue to spin, and the checks arrive in the mail. During a very uncertain time, wind energy can provide a stable, additional and welcomed source of revenue for farmers. As of the end of 2012, more than 6,000 acres have been committed to the Montra Hills Wind Farm. Mainstream is dedicated to being a good neighbor in Shelby County, and looks forward to helping create new economic and clean energy opportunities in the community with the Montra Hills project. In 2013 and beyond, Shelby County citizens literally will have an opportunity to secure a cleaner, safer and more sustainable future for their children, their grandchildren, and their community by embracing all the benefits that wind energy production has to offer. For more information on the Montra Hills Wind Farm and Mainstream Renewable Power, please visit our website at www.mainstreamrp.com or contact us at: 115 E. Pike St., P.O. Box 277, Suite 100, Jackson Center, OH 45334, (937) 421-4018 or at montra.hills@mainstreamrp.com.

where they provide fresh cuts, homemade products and friendly service. The main operation is located in Osgood, while the second is just West of Greenville. Both facilities are fully equipped to do custom butchering and fulfill their customer’s processing needs. The Osgood processing plant is USDA Inspected, which allows them to ship products nationwide and process certified organic beef and pork. This up-scale inspection produces the highest and safest quality of meat. Winner’s Meats was recently been voted the No. 1 Butcher Shop in Darke County, an award they won for the past 2 years, voted on by the Darke County Advocate readers. Winner’s has also won multiple Blue Ribbon awards at the Ohio Association of Meat Processors Convention held every spring in Columbus as well as awards won at the National level which are held country wide. Winner Trucking Inc.

known as WTI, another avenue of their family business has currently expanded their fleet to around 20 trucks and trailers. While continually replacing the older models of trucks with the newer aerodynamic styles to maximize fuel mileage, they keep the cost of moving livestock for their customers to minimal as possible. They now are hauling hogs and cattle of all sizes and delivering them to farmers and meat packers across 24 different states. They continue to upgrade their fleet of trailers also, to better serve the animals needs as they continue to learn even better animal handling techniques, which are essential for this generation of livestock. All of their drivers are “TQA certified livestock handlers” insuring their customers that their livestock will be handled both professionally and humanely. WTI has established a reputation second to none! Robert Winner Sons Inc. is a family owned

business in which provides “Quality” products and service to all their customers. Introducing the fourth generation to a family business is certainly a rare commodity these days! So Winner’s would like to thank all of their customers from past to future generations for their business and support over these years. Winners will con-

tinue to service the community in the same manner as they started so many decades ago. So be sure to visit them at www.winnersmeats.com and become a subscriber to receive specials, recipes and other useful information from this astounding family business they call Winner’s Meats!

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OSGOOD — Robert Winner Sons Inc. has been in business since 1928. That is an astonishing 85 years! “A company doesn’t stay in business that long in this area without serving the community both professionally and fairly,” said President Brian K. Winner. “Their motto, to be honest with every customer and treat them with the utmost respect!” His report continues: Today, seven of Robert Winner’s grandchildren are running the business; this is the

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

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Lentz retires, Latham joins FSA staff as executive director been consistent with previous years with very few exceptions. Over 2,000 farms, 7,500 tracts of land and approximately 1,450 farm owners and operators continue to call Shelby County home. After more than 30 years of service, Roger Lentz retired from the Farm Service Agency. Luckily, his great management skills created

a stable office for myself, the new manager. Larenda Cordial, a transfer from Champaign County, was also hired this year. Despite all of the adjustments, the experienced staff was unfazed and continued to bring the same great service to the producers of Shelby County. The Food, Conservation and Energy Act of 2008, also known as

the 2008 Farm Bill, included programs for farm commodities, food safety, nutrition, conservation, research, agricultural trade, and price support and expired on Sept. 30, 2012. Congress was unable to create a new long term Farm Bill so a nine month extension was put in effect on the 2008 Farm Bill. Currently, FSA in Washington, D.C., and

Hampton Inn Sidney

Kansas City are working hard to create the forms, software, and information needed for these programs to be administered during the 2013 crop year. Over 2,000 state and county offices dispense the United States Department of Agriculture’s Farm Service Agency programs in the continental U.S. With decreasing budgets and the federal

government looking to become more efficient, a few county offices have closed and combined with neighboring county offices. Shelby County was unaffected by the downsizing but there were 4 counties in Ohio that were not so lucky. Montgomery was combined with Preble, Meigs with Gallia and Lawrence, Clark with Madison, See FSA/Page 12

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The United States Department of Agriculture’s F a r m Service Agency serves producers in Shelby County and administers Farley Fe d e r a l programs, authorized by Congress, for grain, livestock and soil and water conservation. “The local Agency is located in the Shelby County USDA Service Center at 820 Fair Road in Sidney. Co-located with OSU Extension, the Natural Resources Conservation Service, and the Soil and Water Conservation District, we all work together to meet all of the agricultural needs of Shelby County,” said Latham Farley, county executive director. His has submitted the following report: The Shelby County Farm Service Agency (FSA) experienced many changes over the past year. With a retirement, two new hires, a now expired Farm Bill, a decreasing budget and unusual weather, there was not a dull day! We have noticed the participation in farm programs has

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 8

2012 was an exciting year at U.S. Bank Locally, U.S. Bank continues to see a strong increase in consumer loan demand. “ W e closed $67 million in new conCounts sumer l o a n s during the year,” said Andrew Counts, regional president, U.S. Bank Western Ohio. “Small business and middle market lending was also a focus of ours as we closed over $27 million in new commitments in 2012. Our business equipment finance lending also saw significant growth of 42 percent year over year. Finally, home mortgage lending was a record year for us as we hired additional staff in our markets and increased

our market share. We closed 431 loans totaling more than $50 million during the year, capitalizing on lower interest rates and an improving housing market.” His report continues: Deposits also continued their strong growth similar to what we have seen the past three years. Our deposit base grew over $74 million year over year as our customers took advantage of our consumer and business packages and our Savings Today and Rewards Tomorrow (S.T.A.R.T.) program. We saw 15 percent growth in non-interest bearing accounts and nearly 11 percent growth in our savings products. Our wealth management business also had a record year in terms of new business as we were able to provide highly personalized service to our clients to allow them to take ad-

vantage of many nontraditional investment services we offer through our Private Client Group. As always, U.S. Bank contributed to our community with volunteer efforts as well as supporting many community service programs. We supported more than 40 programs during the year through the U.S. Bancorp Foundation. Our local employees also serve on more than 50 community boards and have contributed more than 150 hours of volunteer service in our communities as we participated in the U.S. Bank Volunteer Days in our markets. We also completed more than 30 seminars in our communities which included Teach Children To Save and First Time Home

Buyer seminars. I would like to note the U.S. Bank Western Ohio Region Advisory Board had four members retire at the end of 2012. Robert Koverman had served on the board for 28 years, Roger Lentz for 18 years, William Earhart for 16 years and Brian Williamson for 15 years. I want to personally thank each of these individuals for their years of service to U.S. Bank and wish them all the best in their retirement. Their leadership will be missed. Finally, I would like to thank our employ-

ees, advisory board members and customers for another outstanding year. Our advisory board member Timothy Geise, Martin Given, Mark Hamler, George Meeker, Diane Meyer, Charles Rhyan, Thomas Shoemaker, Bradley Smith, Steven Staley, Jerrold Stammen and Timothy Weaver provide us with local expertise, knowledge and guidance that is unequaled in our market. Our focus in 2013 will continue to be on providing excellent customer service through our dedicated

and highly trained employees. U.S. Bancorp with $354 billion in assets as of December 31, 2012, is the parent company of U.S. Bank National Association, the fifth largest commercial bank in the United States. The company operates 3,084 banking offices in 25 states and 5,065 ATMs and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. Visit U.S. Bancorp on the web at www.usbank.com.

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 9

Minster Bank enjoys successful year gomery County market. Bopp, who is an experienced banking professional, is to build on Minster’s reputation as a solid commercial banking choice for small to medium size businesses. We continue to invest in technology. Our customers can access their accounts anytime, anywhere, and in multiple different ways. In 2012, Minster Bank began offering Mobile Banking to our customers by app, text, or browser. This service launched midyear and has been readily accepted as another convenient way to manage money. Our Minster Bank VISA Debit Card gives our customers access to their bank accounts with no surcharge at any ATM displaying the Money-

Pass logo. There are more than 20,000 MoneyPass ATMs across the United States. Our business customers continue to enjoy the benefits of remote deposit capture, which allows them to deposit checks at their place of business by scanning and transmitting the images to our bank for posting and clearing. The installation and set-up of the service is easy, saves time preparing deposits, and can help reduce the risk of fraud. Minster Bank believes in giving back to the communities that have contributed to our growth and success. In 2012, scholarship money was donated to 12 graduating seniors throughout Auglaize, Mercer, Miami, and Shelby coun-

ties. Minster Bank also held Community Shred Days at our St. Marys and Troy offices, which gave people the opportunity to have their sensitive documents shredded on site for free. Close to four tons of paper was shredded and recycled during these events. We have been very active in providing financial education programs to the schools in our

area. Through this program and others, we reach over 3,000 students of all ages. We have also provided educational programs through the Ohio State Extension service, through talks at local service clubs, and through Chamber events. Again, we want to thank our customers, employees, and directors for their loyalty, support,

and contributions to our success over the past 98 years. Minster Bank, a local community bank, and a subsidiary of Minster Financial Corp, is headquartered in Minster, Ohio, and has offices located in Minster, New Bremen, St. Marys, Sidney, Troy, Vandalia, and Wapakoneta. Visit www.minsterbank.com to learn more about Minster Bank.

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“Thanks to the support of our customers and the h a r d work and caring service of our emp l o y e e s, Minster Bank enjoyed ano t h e r Henschen successful year in 2012.” said Mark Henschen, president and chief executive officer. “Total assets increased to an all time high of $366 million. Total deposits increased to $312 million for the year. These deposits were utilized in the communities we serve in the form of consumer and business loans, which grew to more than $195 million in balances.” His report continues: Our Private Trust and Wealth Management services continue to grow. We have developed a specialty in both personal and corporate retirement planning. Assisting our small business owners and high net worth customers with business succession planning and investment management is another expertise our Private Wealth Management group continues to provide. We continue to expand our footprint into Montgomery County with the addition of our loan production office in Vandalia at 6450 Poe Ave in the Sand Lake Plaza building. Joel Bopp is leading the bank’s efforts to grow its commercial presence in the northern Mont-


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 10

PNC Bank continues momentum to serve its customers, community Royal Bank of Canada’s 415 branches joins PNC family PNC has always believed that a company is only as strong as the community it serves. We continue to strongly support early childhood education through our signature philanthropic initiative, PNC Grow Up Great, a $350 million, multi-year initiative that began in 2004 to help prepare children from birth to age 5 for success in school and life. Throughout the Miami Valley, PNC works with non-profit organizations such as ReadySetSoar, the Muse Machine and the Dayton Metro Library to provide leadership, advocacy, funding, tools and volunteers to educate parents, caregivers and communities about how to prepare young children for success in school and life. To date, the PNC Foundation has provided more than $420,000 in grants to support early childhood education throughout the Miami Valley and is currently working with 10 low-to-moderate income schools, serving more than 350 preschoolers. In the fall, PNC became the first U.S. bank to integrate with Visa’s new V.me digital wallet service to simplify on-

line purchases. Virtual Wallet customers making purchases at participating merchants need only enter their user name and password. PNC Mortgage got into the innovation game, too, with the new PNC Mortgage Center online service that gives borrowers realtime, 24/7 updates on their loan applications and lets them quickly and securely submit documents. And, for customers who are unable or unwilling to open a traditional checking account, PNC introduced the SmartAccess Prepaid Visa reloadable card. In Shelby County, I bring 15 years of consumer and business banking expertise. I and my staff, which includes Business Banker Christopher George and Financial Adviser Jason Moore, lead a team that has extensive banking experience. The branch, located at 2221 W. Michigan (next to McDonald’s), was renovated in 2010, including an upgraded ATM that allows customers to cash checks and deposit cash for immediate access. The local PNC team

also has personal experience working with the owners of agriculturalbased businesses. Many of our regional representatives were raised on farms and have deep backgrounds in the industry. Further, PNC is one of the Top 20 agriculture banks in the nation and has supported the in-

dustry for many years (Source: FDIC) and offers a variety of products suitable for a farm or agri-business. PNC Bank in Sidney reached double digit growth in 2012 in both consumer loans and deposits. The branch also achieved Human Sigma Six, Gallup’s highest honor for cus-

tomer service and satisfaction. As the local economy improves in 2013, we look forward to helping our customers achieve their needs with our array of products, services and investments. I and the PNC Bank Sidney office staff can be reached at (937) 4984761.

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PNC Financial Services Group Inc. continues to build on its momentum to meet the needs of its clients and to help customers achieve their financial goals and communities grow and prosper. Sidney Branch Manager Thomas Paul has issued the following report: PNC expanded its footprint in March 2012 to include more than 400 Royal Bank of Canada branches across six Southeastern states: Alabama, Florida, Georgia, North Carolina, South Carolina and Virginia. It was PNC’s seventh successful acquisition in the past eight years and — at 415 branches — marked the company’s single biggest conversion at one time. From products and services to sustainability, PNC looked to deliver the “next big thing.” With PNC DepositEasy, customers can make “envelopefree” deposits at the ATM anytime day, night or weekends — freeing up branch teams to have more robust customer conversations. PNC also has an app for those who have a tablet and Virtual Wallet.


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 11

Customers No. 1 priority for Osgood Bank $63,717,000 an increase of 4 percent. This growth was accomplished by the bank’s increased residential mortgage activity due to continued record low mortgage interest rates that started in 2010 and continued in 2012. The deposit growth continued because of the confidence and loyalty that our local communities have in the stability and conservative nature of community banks especially when economic times are challenging. Osgood State Bank expects more challenges to come in 2013 as unemployment and economic growth are still uncertain and public confidence continues to be low concerning national economic growth. The regulatory demands in the banking industry will continue to change because of the implementation of new restrictions that limit the ability of banks to increase lending activity and profits that meet previous growth levels of four and five years ago.

As a result of implementation of the bank’s strategic plan, the bank was able to achieve a record net profit of $1,554,000 in 2012. The continuation of high residential mortgage activity and decrease of deposit rates were major factors in achieving the record income amount. The bank’s strategic plan focuses on meeting the financial needs of our customers and communities in 2013. The bank’s consideration of the meeting regulatory restrictions as well as the bank’s efforts to maintain the quality of the bank’s assets while growing the loan portfolio will in turn provide the necessary income to support the financial demands of our service area. Technology, enhanced efficiencies, and enhancing interest rate margin are major factors that will determine our success in 2013 and beyond. The Board of Directors, management and staff have pledged to invest our talent, time, and resources to meet

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OSGOOD — Osgood State Bank, a commun i t y b a n k , was established August 19, 1915, in Osgood and continues the tradition Monnier of customer-first mentality today throughout Darke, Mercer, Shelby, Logan and Auglaize counties. “Our OSB team is committed to providing full service banking with convenience, security, and a personal touch. We continue to offer a complete range of community banking financial services that meet the changing financial needs of our customers and communities we serve,” said Michael N. Monnier, president. His report continues: The banking industry continued to have many challenges as the local, state, and national economies had to deal with declining values in business and residential assets. Osgood State Bank continued to experience stable growth during 2012. Total assets at year end were $139,250,000, an increase of 7 percent. Total deposits increased to a record balance of $119,478,000, an increase of 7.00 percent. Total net loans increased to


BUSINESS • FINANCE • AGRICULTURE

FSA From Page 7 and Carroll County was combined with Tuscarawas. The unusual weather created an interesting crop year for corn, soybeans, and forage crops. Producers enrolled in the Conservation Reserve Program (CRP) were given the opportunity to graze livestock or bail hay with a lesser penalty since pastures were in such poor condition. Many producers got an early start planting their corn and were majorly affected by the hot, dry weather of the summer. Corn had pollination issues which created smaller ears and a lower yield. The corn planted later in the season produced a higher yield than the earlier planted corn. Soybean plants were shorter and the pods and beans were smaller, resulting in yield loss. Winter wheat had relatively normal yields and even developed a little earlier this year from last year’s warm winter. As we look into the eyes of 2013, we hope for a better crop year, a long-term Farm Bill, and a growing economy. Regardless, the Shelby County Farm Service Agency will be active in the community and provide great service for producers, landowners, and farm operators.

For Gift Subscriptions please call 937-498-5939 or 1-800-688-4820

Sidney Daily News,Wednesday, February 20, 2013

Page 12

Chase Bank credits residents, employees for successful 2012 Chase Bank enjoyed a very successful year in 2012 despite the uncertain economic climate reported M i k e Monnin, president of the Sidney Monnin Office. “We continue to enjoy success each year because of two major reasons: the hard working people of Shelby County and the dedicated employees of our three Sidney offices. This provided opportunities for Chase Bank that re-

sulted in significant growth in all banking categories,” said Monnin. The remainder of Monnin’s report is as follows: During 2012 the Sidney offices were able to provide incredible banking services to the people and business in Sidney and Shelby County. Our Business Banking staff provided new loans and renewals of $20 million to our business and agricultural customers. Our staff is very proactive in looking for ways to help our customers be more successful as we provide loans, excellent cash management services,

retirement plans, payroll services, credit card services and investment options. The banking centers enjoyed incredible success as they opened up 792 new savings accounts, 1107 new checking accounts, 258 new credit cards and closed $11 million in new mortgage and equity loans. As an alternative to the traditional depository accounts, local investors deposited $18.1 million with J P Morgan Securities taking advantage of diversifying and balancing of their investment portfolios. As we reflect upon 2012, Chase Bank with

its strong capital position continued to grow and prosper. Chase Bank has a history of doing the right thing for customers and investing in things that they know and trust. This is the reason why our clients continue to put their faith and trust in us to help them manage their financial assets during these times of unprecedented economic uncertainty. While we are cautiously optimistic for

2013, it is very gratifying to know that we can continue to provide a safe and sound banking institution for our many clients. We are especially thankful for the large number of new relationships that have made Chase Bank their “financial home” with the assurance that their hard earned money will continue to be handled professionally by a staff of local people with the support of a world class banking organization.

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 13

New clients, ownership change highlight 2012 for Creative Marketing Strategies

Darke, Miami, & Shelby Co.

Call 937-778-8563 or Apply Online @ www.hr-ps.com

care echoed through a well orchestrated billboard, signage, direct mail and print advertising campaign. CMS crafted a unifying design for the program that set it apart from other hospital marketing that was running concurrently. The campaign has lifted the public’s awareness of Wilson’s breadth and depth of quality healthcare offerings, close to home. Other projects throughout the year included the complete design and production of the 175th anniversary historic anthology for the Fort Loramie Historical Society. CMS also developed new marketing materials for a local

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financial advisor, advertising programs for Sidney and Cleveland machine tool manufacturers and crafted a new identity program for a major electronic supplier and fabricator. As the company moves forward, Marci Johnson, who has been a key graphic designer at CMS for six years has stepped up to the roll of art director and Dunlap will continue to consult with the company. Activities in 2012 would suggest that an ever widening list of clients recognizes the value CMS brings to the table and it is anticipated that 2013 will reflect that same level of client confidence.

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tioning of a totally innovative donor recognition interactive display system developed by one of its key clients. Once again, the company designed a bold trade show display for the launch of the system at a major conference in Chicago. A detailed informational packet was assembled as well as a unique show giveaway. The results: High recognition for the client’s new offering within a key segment of their targeted markets. CMS continues to work with the client on a unique, direct marketing campaign to expand the awareness of this innovative recognition system to an even wider audience. In 2012, Wilson Memorial Hospital decided to launch a strong image campaign throughout its market region. The purpose of the program was to communicate to the public the broad range of healthcare services provided by the hospital. With the help of CMS, the message Community People, Quality Health-

2363616

Ohio’s Site For Jobs

Photo provided

MARY BETH Monnier, new owner and president of Creative Marketing Strategies, reviews a client marketing plan with company Art Director Marci Johnson. mail and e-marketing. developed as well as a The breadth of the complete revamped webcompany’s capabilities site consistent with the perhaps is best exempli- new overall identity profied through the market- gram. The result was a ing efforts CMS brought unified, fresh look for the to a nationally acclaimed company. Kentucky film packaging Creative Marketing manufacturer. CMS first Strategies has had a redesigned the com- great deal of experience pany’s logo to better align with assisting clients with the current direc- through the years with tion of the company. Next launching new products was the creation of an en- and services. In 2012, tirely new trade show CMS brought this experibooth with bold graphics ence to the national posifor the early 2013 poultry show in Atlanta. Collateral material was also

2364322

Indeed, 2012 was an eventful year for Creative Marketing Strategies. Not only did the company add an impressive list of new clients, but also in December, CMS founder and owner John Dunlap, sold the business to Mary Beth Monnier who worked as art director for the company for over 10 years. “Gratifyingly, the business has grown year over year since we started in 2001, thanks in large part to the creative support of Mary Beth,” said Dunlap. “I am happy that she has taken ownership and is prepared to continue expanding and growing the company in the years ahead.” Monnier has submitted the following report: New clients from Lima to Louisville sought out the creative marketing support of CMS throughout 2012. The company helped clients with corporate identity programs, introduce new products and services, create interruptive trade show exhibits, launch new websites and strategically communicate to their customers through direct


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 14

Behr Design experiences sales, client growth in 2012 Behr Design. “Traditional means of marketing such as brochures, direct mail, print ads, printed newsletters and trade show graphics are still very important to the www.midwestohiodental.com www.ohioshistoricwest.com www.visitsidneyshelby.com proper marketing mix. But virtual and electronic media demands are increasing rapidly. The consumer now is much more complex than ever before due to social networking and technology like Smart phones and tablets. They want everything instantly, and having several methods to reach and engage them is the norm these days,” said Behr. Signage continued to Your message Y be another source of growth in 2012. “We focus on providing cost Print Web Trade Show Full Marketing Strategies effective, low-maintenance signage solutions for our clients. Whether Visit us on the web at www.behrdesign.com it is a yard sign, internal wall graphics, vinyl graphics, or a combination of all of these, our THIS IS a sample of some of the work that Behr Design has completed within See BEHR/Page 18 the past year.

web

|

Stewart

| print/design | solutions

thing we evaluate every year. In 2013, Behr Design is looking at offering more advanced Search Engine Optimization (SEO) and Search Engine Marketing (SEM) options to meet our client’s everchanging needs. We see the importance of offering both organic and non-organic (paid) search engine optimization. Behr Design can provide hosting services, website development, Content Management Systems (CMS) for internal updating, YouTube video implementation and email marketing campaigns,” said Chad Stewart, co-owner of

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Behr Design experienced growth in 2012 in both sales and clients, despite a still uncertain economy. “Businesses have been sitting back and waiting the last few years. They are now deciding to get back out and market their products and services as the economy sees slight signs of improvement. We saw growth specifically in the areas of web site development, branding, packaging, and exterior signage solutions. Instead of marketing to the masses, companies now like to maximize their ROI with specific markets and targets. No two clients are alike, and neither should their marketing campaigns and strategies,” said Kevin M. Behr, coowner of Behr Design. Web development continues to be a strong area of growth. “Staying on top of the latest trends is some-


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 15

‘Hop on the bus’ at Kah Nursery

Photo provided

KAH NURSERY has a shuttle to its business. Customers can “hop on the bus” to travel throughout the nursery picking out plants. With

93 years of experience why wouldn’t you...

build your next project

with us?

Dedicated to Excellence since 1920 www.ferguson-construction.com

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Richard L. Scott, President 1986 - 2000

plants to safely overwinter them in the cold frames. We have continued to expand our Christmas boutique with many items from Santa’s to snowman, artwork to ornaments and both live and artificial greenery and arrangements. The Garden Center has been growing with the addition of our indoor gift store that remains open all year long with merchandise such as houseplants, statuary, pottery, religious and bereavement items along with unique and exciting garden gifts. We have something for all ages from live bunnies for children, display beds for ideas, seminars to help the beginners with others to inspire the advanced. Our dedicated staff has been researching products and plant materials to make your success our own. We are excited about all the changes we have made and are making for 2013. To keep informed join us on the social media such as pinterest, twitter, and facebook, this can be found off of our website Kahnusery.com. Kah Nursery feels it is essential to encourage our young children to connect with the outdoors whether it is enjoying a feast from the garden, picking berries or planting a tree to watch it grow. We would like to remind you to Come Alive Outside! Kah Nursery is located at 17447 PascoMontra Road, Botkins.

Martin L. Given, President 2001 - Present

fireplaces, outdoor lighting and an artificial putting green to enhance your outdoor enjoyment. Moving forward with constant improvements is what we look forward to in 2013. The Landscape Division will be adding an additional maintenance crew to better serve our clients in a more timely fashion. At the Garden Center in 2012 with spring coming so early it was an unusual beginning to the year. There is never a shortage of duties in the spring around a Garden Center. While trying to juggle the semi shipments of fresh plant material, statuary, pottery, furniture and the list goes on, Mother Nature decided to throw in 80 degree weather in March jumpstarting the customers urge to start their gardening projects. Not knowing how the weather would hold it was difficult to know when to move out the plants from their cold house protection. As a rule, frost free date in Ohio is May 10. Handling the summer scorchers was the next challenge both to the home owners and staff. Improving water usage and irrigation practices are always a concern for us. Welcoming the fall for cooler weather with a feeling of relief we enjoyed the mild slide into winter. As our gift store was coming alive with Christmas we packed yet another year of

Thomas E. Given, President 1978 - 1986

BOTKINS — Hop on the bus ….. the Kah Nursery Shuttle that is. “We n o w have a golf cart available for those c u s - Slaughter tomers who have trouble navigating the gravel or long distances,” said Kelly Slaughter, garden center associate at Kah Nursery. “This is great for bringing out the grandparents, now they can enjoy seeing what we have to offer. Find one of our staff members to assist you. We won’t leave anyone behind!” Her report continues: Kicking off 2013 with “Come Alive Outside,” the staff and owners are not only passionate about what they offer they are striving to create environments that engage people to spend more time outdoors. From enjoying families or relaxing by your-self, there is so much to gain by reconnecting with nature. Whether it be playing, gardening or enjoying the fresh air; the health benefits and memories that you create with your families are sure to last. In 2012 our landscape division was busy once again with anything from new plant installations, maintenance, to outdoor living spaces such as sitting areas, kitchens, water features,


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 16

Brokers Real Estate Inc. is on the grow

Complete access is just a

CLICK away... sidneydailynews.com • Local News • Local Sports • Local Opinions • Local Classifieds • Local Advertising • Local Features

We have been helping people buy or sell from a 1,000-squarefoot home to more than 100,000 square feet of industrial/commercial space and everything in between. We all have our long suit and interest from helping first time homebuyers to selling or leasing large commercial and industrial properties. It is a team effort and everyone enjoys being on the team. We all believe in the acronym for T.E.A.M. which is Together, Everyone, Achieves, More, for us and our clients. We work with the concept that we are not in the business to just list your property, we are in the business to sell your property. As a team we enjoy getting involved in the

community by supporting and participating in the Special Olympics and Relay for Life cancer walk. During the past holiday season Brokers Real Estate hosted a holiday open house inviting past and present clients as well as community leaders, bankers, attorneys, contractors and others associated with real estate. We have the desire, drive, and knowledge to help our clientele in any way we can. Give us a call at (937) 4984725 or stop by our office at 302 W. Russell Road with any questions or needs you might have. Whether big or small Brokers Real Estate is here to help you, we are a small office with big results!

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Caven Risk is surrounding himself with seasoned and committed sales associates and staff. “Five new sales associates have joined Brokers Real Estate as well as Joy Keeran who serves as the office administrator,” said Risk. “New sales associates include Pattie Braunm, Rita Thurman, Kristi Bayhan, Kristina Gold and Ed Wentworth.” His report continues: Kim McCarty continues to be a vital part of the team as well. Like the residential department at Brokers Real Estate, the commercial/ industrial department has also grown this past year. I continue to make an impact in the commercial/ industrial sales and service. I work with business owners in helping them sell their businesses and leasing their business space and new construction. Ed Wentworth is working with me to help with the growth in our commercial real estate department.


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 17

Edward Jones: Investors’ patience is often rewarded years,� said Vance Stewart. “But at Edward Jones, we stress the importance of staying invested in all types of markets, good, bad or inbetween. We’ve found that investors can achieve positive results if they buy quality investments, hold them for the long terms and make adjustments, as needed, in response to changes in their lives.� “Big news events happen every year, and this year was no different, with the European financial crisis, Hurricane Sandy and the presidential election. Obviously, some events may discourage investors. However, we encourage our clients to look past the headlines and keep their

Cooper Farms receives award ATLANTA (AP) — Cooper Farms’ Gary Cooper received Meatingplace magazine’s industry leadership award, The Jewell, at the International Production and Processing Expo in Atlanta recently. The Jewell award, named for poultry industry pioneer Jesse Jewell, was established to recognize a company that truly exhibits innovation in poultry processing.“Cooper Farms represents everything that the Jewell award stands for. The company is a constant innovator whose products, processes and overall approach to business have raised the standard of excellence for the entire poultry industry,� said Bill McDowell, editorial director of Meatingplace and its sister publications. “We look forward to the innovations that Cooper Farms will bring to the industry in the coming years.�

focus on their long-terms objectives.� His report continues: For the sixth year out of the past eight, financial-services firm Edward Jones ranks highest in investor satisfaction with full service brokerage firms, according to the J.D. Power and Associates 2012 Full Service Investor Satisfaction Study. Serving individual investors through a onebroker branch office network enables Edward Jones financial advisers to deliver personal service in convenient office locations. The Edward Jones fi-

nancial advisers in Sidney include myself, Erroll Broud, Danielle Sielschott, DiAnne Karas and Andrew Stewart. Edward Jones provides financial services for individual investors in the United States and, through its affiliate, in Canada. Every aspect of the firm’s business, from the types of investment options offered to the location of branch offices, is designed to cater to individual investors in the communities in which they live and work. The firm’s 12,000-plus financial advisors work directly with nearly 7

million clients to understand their personal goals — from college savings to retirement — and create long-term investment solutions that emphasize a well-balanced portfolio and a buy-andhold strategy. Edward Jones embraces the importance of building long-term, face-to-face relationships with clients, helping them to understand and make sense of the investment options available today. In January 2013, for the 14th year, Edward Jones was named one of the best companies to work for by FORTUNE Magazine in its annual

listing. The firm ranked No. 8 overall. These 14 FORTUNE rankings include 10 top 10 finishes, consecutive No. 1 rankings in 2002 and 2003, and consecutive No. 2 rankings in 2009 and 2010. FORTUNE and Time Inc. are not affiliated with and do not endorse products or services of Edward Jones. Edward Jones is headquartered in St. Louis. The Edward Jones website is located at www.edwardjones.com, and its recruiting website is www.careers.edwardjones.com. Member SIPC.

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It doesn’t take long for the investment landscape to change considerably. In March 2009, just following the height of the economic crisis, the Stewart D o w Jones Industrial Average had fallen to about 6500. But throughout much of the second half of 2012, the Dow has hovered near the 13,000 mark — a gain of exactly 100 percent in just over three years. “Of course, we’re certainly not predicting these same types of returns over the next few


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

BEHR design experience allows us to maintain continuity within the client’s brand. We work with our clients to provide a complete solution from design to production to installation. We even help obtain any sign permits that might be needed with city and/or state if needed,”

147 Years...

From Page 14 said Stewart. The Behr Design team had some great opportunities last year to get out into the community and offer marketing presentations on branding and social media. “Each year, we get the opportunity to provide presentations to the Chamber of Commerce,

127 Years...

Edison Community College, and other private businesses to talk about Social Media and Marketing. Everyone wants to know how Facebook, Twitter, Linkedin, and other Social Media should be something they should be spending resources on. They want to see where those fit

into their marketing efforts”, said Behr. “We are positioned very well entering 2013, and are truly excited about all the opportunities and projects that this year has in store. We have the in-house talent, resources, and capabilities to develop complete marketing strategies

and all the collateral that goes with it; whether it is something in print, something virtual, or just a good solid marketing plan to guide them. In an age where there are so many potential providers available for every service a company could need, it is still a major asset to our

126 Years...

122 Years...

106 Years...

Salm- RUESE Versailles The Spot Savings Sidney Insurance McGill & Agency, Inc. & Loan Daily Restaurant Company Tangeman News Downtown 27 East Main Funeral Home 502 S. Ohio Sidney

Courtview Center Suite 200 100 South Main Ave. Sidney, Ohio

492-5130

937-498-4586

81 Years...

74 Years...

1451 N. Vandemark P. O. Box 4099 Sidney, Ohio 45365

Versailles

526-4515 H

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71 Years... Since 1942

498-8088 1-800-688-4820

68 Years...

Sidney

67 Years...

FRANCIS Cromes SIDNEY Lochard, Manufacturing Co. Funeral BODY Inc. TV & Producer of CARSTAR Home 903 Wapakoneta Aluminum Sand Appliances

492-6430

302 Main Ave. Sidney 937-492-5101 www.cromesfh.com

175 S. Stolle Ave., Sidney

937-492-4783

Ave. Sidney, Ohio

937-492-8811 lochard-inc.com

clients to have someone overseeing the whole process to make sure their message is delivered in a clear, consistent way,” said Stewart. For more information about Behr Design or our services, please call us at (937) 492-5704 or visit us on the web at www.BehrDesign.com.

91 Years... Dorothy Love Retirement Community 3003 W. Cisco Rd.

Sidney

492-9181 497.6542

Flint’s

212 E. North St., Sidney, Ohio

Page 18

Casting Russia, Ohio

66 Years...

Bunny’s Pharmacy 112 N. Main Downtown Sidney

937-526-4551 492-4550

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 19

Realty 2000 Group sales surge 25%

Gleason

“Powerful” best describes the performance of Realty 2000 Group, said Tim Gleason, president. “The fact that our sales grew by another 25 percent over sales in the previous year is unbelievable. The fact that this was accomplished after growth

of 37 percent in 2011 is even more impressive. This was during a market where most firms are just hoping to survive…a very powerful statement. Our success is no accident, it comes from hard work,” he said. His report continues:

63 Years...

60 Years...

Schafer Oil Co.

Sidney Electric Co.

“We Make Service Our Business”

9109 St. Rt. 66 840 Vandemark Rd. Ft. Loramie, Ohio Sidney

937-295-2801 937-498-2357 42 Years...

Schweitzer Insurance Bob Schweitzer 920 Wapakoneta Ave., Suite A (Front of Shelby County Motor Club)

38 Years...

Cutting edge technology combined with oldfashioned values are once again maintaining Realty 2000 Group Inc.’s place as the premier real estate company in Shelby County and surrounding areas. Realty 2000 Group Inc. ex-

49 Years...

Sidney, OH

937-492-4084 937-492-1001

45 Years...

45 Years...

Each new agent undergoes a comprehensive training program that we have worked for several years to perfect. Buyers and sellers can rest assured that they are receiving the best representation available See REALTY/Page 20

42 Years...

Meyer’s Schulze EDWARDS Barker Garage & Accounting and Machine Insurance Tax Service Service, Drive Computerized & Inc. Thru Electronic Filing Corner St. Rt. 47 & 66 Electronic Refund Newport Check 24 Hour AAA Towing 422 Buckeye Ave.

937-295-3773 Car and Truck Repair

36 Years...

Air STURM Construction Handling Equipment Inc. 2596 Wapak Ave.

panded its staff this year to include Patty McMahon, Deb Goins and Brian Moses (2013). Three new agents in 2012 and another already in 2013 continues the growth in a company showcasing professional, highly trained agents.

1389 Riverside Dr. Sidney, Ohio We Keep the Pressure on!

937-492-5331

Sidney, Ohio

8800 State Route 66 Fort Loramie

Denny, Deron & Dan - Agents 9040 Co. Rd. 25A N. Sidney

498-5125 937-295-2929 937-492-1857 36 Years...

36 Years...

35 Years...

RON & NITA’S

S&H PRODUCTS

Cotterman & Company

On The Square Sidney

492-0198

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937-492-3596 800.713.3190


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 20

REALTY in the industry. We enter 2013 with strong momentum from the previous two years. Despite an uncertain economy Realty 2000 Group continued to grow, invest and expand its business. The coming year is sure to be excit-

35 Years...

Greve Electrical And Plumbing 103 E. Walnut St. Botkins

937-693-6838 OH LIC 38294

From Page 19 ing for our customers. Our focus is to continue to provide professional service that is backed by the integrity that our customers have come to expect. Some of the products and services offered by Realty 2000 Group include:

23 Years...

• A powerful web presence that is second to none. • A comprehensive guide to assist both buyers and sellers of homes in addition to a regularly published company specific Homes Guide in Shelby County.

23 Years...

• Real Estate auction services, world wide relocation services and a company web site with access to more than 4,000 real estate listings. All of these can be accessed at www.realty2000group.co m.

23 Years...

McMahon

18 Years...

Goins

Moses

17 Years...

The Shear William Lee Pete Middendorf Huskey D.D.S. DeLuke Medicine Creative & Associates Inc. Shoppe Builders Village Green Dental Professionals

(Jean Wick, Owner)

704 Spruce St. Sidney

2150 Wapak Ave., 1443 North Main Avenue Sidney, Ohio Sidney, OH 45365 45365

492-9309 937-492-7080

937-497-1515

130 West Russell Rd. Sidney

498-4846

P.O. Box 5

Ft. Loramie www.middendorfbuilders.com

295-4219

Recognizing Years of Service for These Fine Shelby County Area Businesses


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 21

Boeckman joins Eikenberry staff Retirement means different things to different people. Most agree, it can be scary and filled with more unknowns than “Carter has little liver pills,” especially with the tough economic times Americans have been experiencing the past few years. But helping retirees and those about to retire are what the experts at Eikenberry Retirement Planning (ERP) do daily. Putting people at ease and taking the unknowns out of the retirement equation is what separates them from the pack and why their business continues its strong growth. “We work hard to ensure our clients aren’t just numbers,” said John Eikenberry, president of the Sidneybased company. “We pride ourselves in finding innovative solutions to make retirement a joy for our

Eikenberry

Boeckman

clients. We treat our clients just like we want to be treated.” His report continues: During 2012 and now in 2013, I and the company will focus heavily on workshops to help guide Baby Boomers to the best ways and strategies to utilize their Social Security retirement benefits. There is much the average retiree just doesn’t know about Social Security. Our goal is to make sure they have all of the information needed to make educated decisions concerning their benefits and how it will affect

their retirement strategies.” To that end, we have eight free, educational workshops planned during 2013 to explain the nuances of Social Security benefits. Most are held at the Community College in Piqua and the Apollo Center in Lima. The workshops are part of the PlanMyBenefit.com program. But that isn’t the only information our team plans to provide in 2013 for the public. We also plan to help inform their clients about payroll tax information in light of the changes to payroll deductions. In addition to the Social Security seminars, we have scheduled four Client Appreciation Non-Financial Retirement Lifestyle events in 2013. These, too, are free, and we urge their clients to attend and bring others with them to learn about various retirement programs. In 2012, Nick Boeckman joined the firm to help provide even greater service to their clients. Boeckman helps with the workshops and is especially

helpful with the backroom analysis needed to help ensure retirees get to enjoy the fruits of the labors. Marcia Kuhn was also added on and is an essential part of the firm through her work as support staff. ERP has also experience extremely strong growth in its FeeBased Advisory Service and the new Brookstone platforms. Utilizing these platforms allows us to look beyond the traditional diversification strategies that often fail to effectively manage risk during volatile markets. We continue to grow and strength our client base because we provide great products that meet and exceed the needs of our clients.

Our strategy for our business won’t change in 2013 and we look forward to helping even more people this year. Securities offered through Center Street Securities Inc. (CSS), a registered BrokerDealer and member

FINRA & SIPC. Advisory services offered through Brookstone Capital Management LLC (BCM), a SEC Registered Investment Adviser. Eikenberry Retirement Planning and BCM are independent of CSS.

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JOHN EIKENBERRY (left) listens as Nick Boeckman (right) talks at a workshop held in December at the Apollo Career Center in Lima. 2363886

www.Lochard-inc.com Serving Sidney-Shelby County Since 1938


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 22

Strong Rebound Year for Shelby County and Emerson Wagner Realty Co., Inc. The housing market for Shelby County showed a strong recovery for most housing price levels in 2012. Interest rates remained at all time lows all year, while the availability of loans for our clients increased. “It is still important for buyers to be patient and get all the paperwork to your lenders in a timely manner”, said Tom Middleton, Broker of Emerson Wagner Realty. His report continues: The local housing market made great strides in working through the excess in supply in our market and prices actually started to increase through the year. Wagner Realty still remains the top real estate office for Shelby County, now for more than 40 years. We have the most agents, most sales and most important the highest customer satisfaction. Listing a house is only the start of our services. We pride ourselves on proper marketing, lots of advertising and the knowledge to represent our client to produce the outcome they expect. Our realtors know you have to spend money on advertising and marketing to sell a home and in a slow market that sometimes is hard to do. In 2012 we added a new marketing tool which has been a big success. Now when a prospective buyer drives by one of our listings, they will see a sign with a text # to call to get pictures, price and all the information on this home right on their cell phone. No waiting to call and instant answers for the prospective buyer. The listing realtor will get a text alerting them to the interested party and the agent will call the prospective buyer to follow up on the inquiry. The Ohio Association of Realtors President Club Award Winners for 2012 for Emerson Wagner Realty Co., Inc. included Tom Middleton ~ Award of Distinction for Sales in Excess of 2.5 Million, Nikki Loudenback ~ Award of Achievement for Sales in Excess of 1 Million, David Fleming ~ Award of Achievement for Sales in Excess of 1 Million. These Realtors have performed at the highest level for their industry. In this business it is easy to say you’re the best, but the proof is in the awards from the Ohio Association of Realtors. Emerson Wagner Realty welcomed 5 new agents in 2012. They include: Jim Weaver, Jaime & Travis Weldy, Becky Reese and Ryan Fleming. The company operates offices in Sidney, Troy, Russia & Urbana and has additional agents in Fort Loramie, Botkins, Jackson Center, Anna, Versailles and St. Marys. Our website www.EmersonWagnerRealty.com can lead buyers to properties for sale in Auglaize, Mercer, Shelby, Logan, Miami and Champaign Counties. By everyone’s estimate, 2013 will be a great year in the housing market. Emerson Wagner Realty will continue to work diligently to help our buying and selling clients meet their objectives.

THINKING OF SELLING? List With a Top Selling Agent in the Area

937-492-3157 122 W. Court Street • Sidney, OH 2363710


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 23

Gagel Plumbing and Heating celebrates 50th anniversary

SALES & SERVICE

FREE DELIVERY FREE DISPOSAL OF OLD APPLIANCE St. Rt. 66 Midway between Minster & New Bremen Hours: M 8-6, T-W-Th 8-5; F 8-7; Sat. 8-1

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water to heat your home most economically. In the past thirty years, Gagel Plumbing and Heating has sold and installed more than 550 open and closed loop systems, providing efficient heating and air conditioning to area customers and allowing them to make the ecologically ‘green’ connection. Geothermal is the most economically efficient way to heat and cool a home in this area because of our abundant groundwater. This geographical area is an excellent source of energy. Open and closed loop geothermal systems are the most ecologically sound way to go because by not burning any fossil fuels they not only use less energy but also don’t contribute to

air pollution. It’s now easy to go “green.” Catering to the needs of those building new homes, remodeling current homes, or just replacing existing plumbing and heating fixtures, Gagel Plumbing and Heating has a Kohler Showroom so customers can see actual products and colors before purchase, rather than shopping only from catalogs or on the Internet. Included in the large display area are many plumbing and heating products, water softeners, water heaters, fiberglass tubs and shower doors, toilets, sinks and lavatories, vanities, garbage disposals, and faucets. Store hours at Gagel Plumbing and Heating, located midway be-

tween Minster and New Bremen, are 8 a.m. to 5 p.m. Monday through Friday and 8

Multifunction Systems Document Management Wide Format Print

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to make the best decision as to what system to install in the new or remodeled building. “We can show a customer what his future costs will be with various types of fuels,” Gagel said. “With the recent increases in most fossil fuels many customers are interested in reducing their heating bills. This year, a 30 percent tax credit is still available on all geothermal systems. There has never been a better time to replace the old, inefficient gas or oil system.” His report continues: Using computer analysis, Gagel can compare different types of furnaces and cooling units based on the energy source utilized, the heat value of the fuel, and the specific climate affecting West Central Ohio home and building owners. Special emphasis is placed on geothermal systems, which produce either warm air or hot

2363644

MINSTER — In the 50 years since its doors first opened, Gagel Plumbing and Heating, Inc., located midway between New Bremen and Minster at 4574 State Route 66 North, has developed a reputation for quality throughout Auglaize, Mercer and Shelby Counties. Founded in 1963 by Bill Gagel, and now owned by his son, Don, Gagel Plumbing and Heating offers complete plumbing and heating services, including both repair of existing equipment and installation of new residential and commercial systems. On the leading edge of the plumbing and heating industry, Gagel Plumbing and Heating features computerized heating and air conditioning projection and comparison on both new and existing homes. This service allows the homeowner to accurately predict future heating and air conditioning bills, and


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 24

Francis Furniture creates shopping experience for its customers walks in the doors at either of the five locations — Sidney, Troy, Greenville, Celina and Van Wert. “We’re bringing style and fashion back to an industry that is about commodity goods,” said Rob Klosterman, manager of the Sidney store. “Most people go from store to store and all the stores look the same. We want to be the store that looks different.”

Klosterman’s report continues: Everything in the Sidney store has been selected with the local customers in mind. Every piece of furniture in the store is hand picked to represent what we think fits the needs of our customers in Shelby County. Not sure what to pick out to decorate your home? Just ask. My goal is to listen to

the customers in the store and find out what their home furnishing needs are. The staff is trained to ask about shoppers’ needs for function and advice on colors and styles to fit their homes. We try to ask questions to evoke you to think about what you want. Ultimately the customer makes the final decision because they have to live with it, but we’re here to

VPP continues to grow VERSAILLES — In 1990, Vernon Monnin purchased VPP Industries. At the time, VPP was not only a commercial printer but published the Versailles Policy, the local weekly newspaper as well. The Policy was sold not long after Vern took over in order to concentrate on improving the commercial printing side of the business. Vern’s sons, Mike and Andy came to work at VPP about five years after Vern bought the business and took over the everyday operations in 2009. The business has grown through the years servicing many local businesses in the area. The Monnins’ report continues: In 2012, VPP continued to grow and evolve. The printing business has changed before our

eyes and we continue to make necessary improvements to accommodate the needs of this evolving market. One major change came this past year when we purchased a building that is a better fit for the business. The layout of the building is more suitable to the needs of the business and improves workflow and efficiency. Another significant change over the past few years involved a shift from offset to digital printing. While VPP continues to run offset presses every day, the majority of the workload has moved to digital. VPP purchased a second digital, color machine in August. Direct mail is the main reason behind the increase in digital printing. The machines stay busy printing

marketing pieces and mailings for businesses in the surrounding area. For further information about the products and services that VPP has to offer, please email sales@vppind.com or call (937) 526-3213.

offer our experience. Because it has multiple locations, Francis Furniture can buy items in bulk that provide the best values in the industry. We’re big enough with five stores to buy at the lowest prices, and we’re small enough to be in touch with our customers. That’s what makes Francis Furniture successful. But it’s the overall

shopping experience the store offers that makes the manager proud. Nothing is better than closing a sale and having the customer thank us for a different shopping experience. For more information, stop in Francis Furniture in Sidney at 2230 Michigan St. or call (937) 498-4584. More details also can be found on www.francisfurniture.ne t.

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Francis Furniture offers more to its customers t h a n some of the best brands in the ind u s t r y. The company’s focus is on pro- Klosterman viding a better shopping experience to everyone who


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 25

Monnier & Co. notes significant changes are on horizon The year 2012 saw continuing improvement in the local economy encompassing the manufacturing, construction and service areas. Clients however, remain skeptical concerning the direction of the economy. As businesses become more comfortable with the direction of the economy we expect growth to occur on a continued moderate and steady pace according to John Boeckman, president and managing partner of Monnier & Co. In the auditing and accounting area partner Larry Elsner notes that significant changes are on the horizon in the area of revenue recognition, leases and the U.S. possibly adopting inter-

national accounting standards. These potential changes continue to make complying with generally accepted accounting principles more complex. Partner Tom Burns notes that assisting clients evaluating their current business position and developing long-range business plans will help clients be in a better position to adjust to future changes in the economy and to take advantage of future business opportunities as they become available leading to long-term growth of the clients business. Their report continues: Significant new tax legislation was recently signed into law. The

American taxpayer relief act of 2012 allows the Bush–Era tax rates to sunset after 2012 for individuals with income more than $400,000 and families with income more than $450,000. This change effectively increased tax rates for taxpayers at these income levels by 4.6 percent. The rate on capital gains and dividends for individuals and families in the top income tax brackets was also increased from 15 percent to 20 percent. The act did retain the 15 percent rate on capital gains and dividends for taxpayers in the middle brackets and a zero rate for taxpayers in the 10 percent and 15 percent brackets. The act permanently

“patches” the alternative minimum tax (AMT) providing relief from this tax for several million taxpayers in 2012 and in the future. A number of individual tax provisions were extended through 2013 including the state and local sales tax deductions and tax free distributions from individual retirement plans for charitable purposes. The American opportunity tax credit for qualified tuition and other

expenses of higher education was extended through 2018. Businesses saw the 50 percent bonus depreciation rules extended for one year as well as the increased expensing amounts for new or used equipment. The temporary lower social security payroll tax rate of 4.2 percent was not extended and has reverted back to 6.2 percent. The Affordable Care Act that was enacted in

March of 2010 contains provisions for two new taxes (3.8 percent on investment income and .9 percent on wage/earned income) on higher income taxpayers starting in 2013. Monnier & Co welcomed three new employees to the firm in 2012. Dan Lewis, CPA, ABV, CVA graduated from the University of Cincinnati in 1998 with a degree in business administration, majoring See MONNIER/Page 30

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 26

SMS proTECH is now PERRY proTECH

tools and assistance to bring the highest degree of Law Enforcement and Public Safety services to its citizens. We were fortunate to add highly trained, technically saavy, law enforcement officials to our employee roster. This allows us to provide a level of security that is unmatched by any other IT organization, locally or nationally. Digital COPS system offers the latest in cutting-edge mobile surveillance technology and physical security. With continual advancements in 3G/4G, WiFi and GPS technologies, mobile video tracking surveillance is able

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to monitor, manage and respond in real-time. These team members will continue to maintain their badge accreditations through training and certification. Isaac Dunifon, Director, holds one of only two ACE (AccessData Certified Examiner) certifications in Ohio and is utilized for computer forensics by many state agencies. We’re really excited with this venture, not just for PERRY proTECH but for the degree of security solutions that we’ll be able to provide to the entire Miami Valley.

PERRY proTECH’s culture of EmployeeOwnership allows us to support civic and nonprofit groups in our area and gives our Employee-Owners a high degree of involvement and work-level decisions. Our employees will go the extra mile personally and corporately to offer cuttingedge technology solutions that benefit our region economically. Our philanthropic and technical support of the region will be enhanced and unparalleled for years to come. PERRY proTECH

will continue our tradition of offering free educational seminars and web casts on trends and developments in technology to area business. Our goal and mission in the years ahead is to be a better partner and to help local business focus on their own growth and profitability. We thank all of our clients for their continued support and look forward to providing even greater customer service and top-of-theline technology services in the coming years.

SIDNEY BODY CARSTAR Auto BodyCollision Repair Service Experts Quality

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imaging team at PERRY proTECH, offering multifunction printers and office products, covers southern Michigan, Northeastern Indiana and Northern Ohio into the Shelby County area and includes managed print and production print solutions. The IT/Networking team continues to cover the region, especially up and down the I-75 corridor, with clients that range in size from small business to the largest enterprises in the area. PERRY proTECH also supports the mission of public safety and security organizations. Added in 2012, our security solution, Digital COPS, provides the

2363825

The year 2012 was the culmination of a road of progress for the Miami Valley’s leading IT/Networking resource that begin with a purchase in 2007. Originally established in Sidney in 1988 as the systems integration division of The SMS Group, the company was renamed to SMS proTECH when sold to Perry Corporation, headquartered in Lima, in 2007. Perry Corporation has been recognized as a leading provider of office automation technologies in northwest Ohio since 1965. “The acquisition of the regional leader in information technology services was a strategic move by Perry Corp. to stay ahead of technology changes,” said President Jeff Boate. “The combination of these resources has allowed us to expand our offerings even further. A key milestone was reached in 2012 with the blending of the Perry Corporation and SMS proTECH names to our new name, PERRY proTECH.” His report continues: The company offers diverse resources that are necessary for all businesses these days to compete in an electronically-driven world including document solutions, enhanced service offerings, security technologies, managed IT services and a private cloud offering available to everyone in the Miami Valley and all from one resource. The

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 27

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

County’s unemployment remains steady in 2012 BY RACHEL LLOYD rlloyd@civitasmedia.com Shelby County’s unemployment numbers continued on a fairly steady decline throughout 2012, with only a couple of small hiccups, starting with an 8.8 percent jobless rate in the county in January and wrapping up the year at a muchimproved 5.9 percent rate. The county’s numbers did even better than the state overall, which also enjoyed falling jobless numbers through the year. Ohio’s January unemployment rate was 7.7 percent in January, which was better than the county rate. By the end of the year, the state’s unemployment rate had fallen to 6.6 percent, but the county had surpassed that , coming in at 5.9 percent. “Looking at the unemployment numbers for 2012, we’ve got about a thousand more people employed at the end of the year than we did at the beginning,” said Mike Dodds, executive director of the West Ohio Development Corporation. “So that’s good news. And based on our conversations with business owners, that doesn’t

We accept

surprise me.” While falling unemployment might seem like it can’t be anything but a good thing, Dodds noted that it does create a bit of a problem from the business side of things. “As unemployment numbers continue to drop, the available skilled work force becomes a challenge,” Dodds said. Dodds said that skilled laborers such as engineers, CNC machinists, welders and build maintenance technicians, for example, are in high demand. “One of the things we’re trying to promote is workforce development, and establishing programs to make adults and students aware of job opportunities in the county,” Dodds said. “We feel there are a lot of qualified students in the county who may not be aware that the opportunity exists, and we want to let them know they can make a good living with sufficient training.” In addition to having the right training, Dodds mentioned that potential employees need to have the right attitude and work ethic, being willing to come in and work,

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every day, and put in a full day. “The county is challenged to provide that labor force,” Dodds. For those willing to put in the work, it seems like the good news will keep on coming. “I think the trend going forward in 2013 is going to be very similar to 2012,” Dodds said. “I know there are companies that are planning to hire.”

Page 28

Our obsession with reducing shelling loss is your gain.

Shelby County unemployment 2012 January .......... 8.8% February......... 8.6% March ............. 7.9% April ............... 7.2% May................. 6.8% June................ 7.1% July................. 6.9% August............ 6.5% September ...... 6.0% October........... 5.8% November....... 5.9% December ....... 5.9%

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 29

Studio Eleven evolves into leading supplier of branded products reputation for quality products, reliable service, unique ideas, competitive prices, and on-time delivery continued to help us grow in 2012. We saw our customer base rebound from the economic downturn from the last few years. Our diverse customer base has been very helpful in maintaining strong, consistent growth over the years. We continued to expand our marketing efforts to corporate clients and manufacturing firms, event organizers, and colleges. Another pivotal growth area has been the expansion of accounts with nationally recognized brands requiring promotional products for branding

purposes. We have extensive experience in promoting our customer’s branding initiatives through the use of imprinted promotional products and wearables. In many ways, we function as an extension of our customer’s marketing team. The Vivid Manufacturing Group, (a division and registered trademark of Studio Eleven Inc.), continued to experience strong growth in 2012. Vivid is a custom designer and manufacturer of engineered graphics. Product lines include Product Identification (nameplates for equipment manufacturers), Architectural and ADA Braille Signage, and Corporate Recognition

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FORT LORAMIE â&#x20AC;&#x201D; Studio Eleven Promotional Products began operations in 1992 as a screen printer providing custom screen printed apparel to area organizations and businesses. Studio Eleven has evolved into one of the regionâ&#x20AC;&#x2122;s leading suppliers of custom branded promotional products, screen printed, and embroidered apparel. The company is located in the Fort Loramie Industrial Park. Company President Tom Barhorst offers the following report for 2012 and also a report of its signage division, the Vivid Manufacturing Group. Both sales and profitability for 2012 were up significantly as a result of companywide initiatives to improve new customer acquisition efforts and focus on cost control. The economy, while still sluggish, continued to improve from most manufacturing markets within our customer base. Our products are discretionary in nature, so when the economy is down, the market tightens and becomes much more competitive. Fortunately, due to investments in capital equipment from 2011, we were positioned well in 2012 to manufacture the majority of our printed and embroidered orders in our facility which helped us to be much more competitive and profitable. Our solid


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 30

1st Global honors McCrate, DeLaet Financial Advisors, LLC as a One Diamond Eagle Firm McCrate, DeLaet Financial Advisors, LLC, headquartered in Sidney, was recognized for its outstanding achievements in wealth management excellence at 1st Global’s annual National Conference, Nov. 11-13, 2012, at The Broadmoor Hotel in Colorado Springs, Colo. “Achieving the level of a One Diamond Eagle is an incredible accomplishment. Only firms that are successful at reaching the specific goals they set at the beginning of the year are

presented with Diamond Eagle awards,” says 1st Global Chairman and Chief Executive Officer Tony Batman. “This places McCrate, DeLaet Financial Advisors, LLC among 1st Global’s topproducing firms.” His report continues: Featuring speeches, presentations and conversations from acclaimed luminaries, decorated veterans and diplomats such as former Secretary of State George P. Shultz, the Father of Supply-Side Eco-

MONNIER in accounting. He spent 11 years in public accounting and 2 years in litigation consulting and is accredited in business valuation by the AICPA and is a Certified Valuation Analyst. Elizabeth Esarey, CPA became certified in 1992 and received her education from Edison State. Prior to joining the firm she

STUDIO achieve beautifully designed interior signage. Craftsmanship and a well trained workforce deliver exactly what our customers expect … great products from dedicated people and at a very competitive price.

nomics Dr. Arthur B. Laffer, Tulane professor Peter Ricchiuti, U.S. Air Force Col. Ed Hubbard (Ret.) and bestselling author of The Reinventors Jason Jennings, this year’s gathering of 1st Global’s leading firms was driven by “Knowing WHY” — a theme challenging partner firms to clearly define why they are in the business of wealth management. 1st Global is looking forward to watching McCrate, DeLaet Financial Advisors, LLC continue

to grow its practice by helping its clients honor the important promises they’ve made to themselves and their loved ones. About 1st Global 1st Global was founded in 1992 by CPAs who believe that accounting, tax and estate planning firms are uniquely qualified to provide comprehensive wealth management services to their clients. 1st Global provides CPA, tax and estate planning firms the education, technology, busi-

ness-building framework and client solutions that make these firms leaders in their professions through dedicated professional client relationships built around wealth management. More than 450 firms have chosen to affiliate with 1st Global, making us one of the largest financial services partners for the tax, accounting and legal professions. The Diamond Eagle award is given to firms based on the criterion of

the firm’s production volume across all product lines. Securities offered through 1st Global Capital Corp., Member FINRA and SIPC. Investment advisory services offered through 1st Global Advisors, Inc., an SEC-Registered Investment Adviser. Additional information about 1st Global headquartered at 12750 Merit Drive, Suite 1200 in Dallas, Texas, 75251; (214) 294-8400 is available via the Internet at 1stGlobal.com.

From Page 25

was a partner in a local public accounting firm. Jeffrey Ortlieb worked in banking and corporate accounting for seven years prior to joining Monnier & Co. He holds a bachelor’s degree in accounting from Indiana Wesleyan University. A full service accounting firm Monnier & Co. offers traditional accounting and tax

From Page 29 To inquire about any of our product lines, please call (937) 2952225 or visit our showroom at 301 S. Main St. in Fort Loramie. Or you may visit our websites @ www.studioeleven.net and www.vividmfg.com.

services as well as estate planning, merger and acquisition consulting, business and individual consulting, financial reporting services and business valuations. We invite you to consult with any of the Monnier & Co. professionals regarding these or any other accounting and tax issues which you may have.

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1663 Cranberry Road St. Henry • 419-925-4290

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BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 31

Creative Vacations sees upswing in various types of travel The year 2012 ing free 24-hour encing so many delays was a very good access to a and cancellations with one for Creative U N I G L O B E adverse weather and Vacations by representative. other issues that cause UNIGLOBE If you miss a the airlines to delay or Travel. flight or a flight cancel flight. We saw “Travel bookis canceled, you this first hand with ing are continucall the toll-free the recent blizzard ing to come back number and a after Christmas with and increase representative many flights being afPulfer year over year. will be there to fected. This past year help. We also have the was a great year and This service is unique UNIGLOBE 2013 looks to be start- greatly appreciated Hotel Program. You reing strong as well.” and valued by our cus- ceive discounted rates said Debi Pulfer, owner tomers. This is espe- at more than 4,000 hoof the local agency. cially true since tels worldwide. This Her report contin- travelers are experi- hotel program is ues: The vacation types that remain the strongest are honeyThis may be the moons, anniversary trips, group trips, all perfect solution.... inclusive vacations, cruises and multi-generational travel — Grandma and Grandpa traveling with their children and grandchildren. The top destinations this year have been Caribbean, Hawaii, Alaska, MexYour loved one may just need someone ico, Las Vegas, Florida to be with them during day... or just may and Europe. somewhere to go to help fill his/her need Travel insurance day. Maybe you need some help in sales continue to incaregiving during the day... Fair Haven crease tremendously. Adult Day Care may be the perfect Travelers realize the solution. need to protect travel investments from We offer... many unforeseen cir• Transportation cumstances that may • Meals • Activities arise. That could be anything from lay off • Full & Part Time to a death in the fam• Passport Accepted ily along with many • Private Pay Programs other covered reasons. We continue to provide the Rescue Line, offer-

widely acclaimed as the best of its kind in the industry. This service is very beneficial. The annual Chicago Christmas Shopping Motor coach trip is once again scheduled for the first weekend in December with reservations already being accepted. Each year, this trip is back by popular demand and it’s been going strong for over 20 years. Creative Vacations

by UNIGLOBE is a division of UNIGLOBE Travel Partners and is headquartered in Dublin. UNIGLOBE Travel Partners’ members have 13 offices across the United States, in cities including Dublin, New York, Philadelphia, Atlanta, Chicago, Portland, San Francisco, Houston, Bakersfield, Orange County and Wilmington. The same quality service will continue to be provided since

UNIGLOBE came to Sidney 22 years ago. With 29 years experience as a travel consultant, I’m looking forward to another fun-filled year of meeting and exceeding customer’s travel needs and expectations. If you’re planning a trip of any type, call 4987448 for all your travel needs. You can also reach me by email at Debi@CreativeVacations.com.

Adult Daycare Services

2363887

"Proud to be serving this community"

Adult Daycare Services

of Shelby County

Ruth Burnside, Director for more information and a private tour!

(937) 492-6900


BUSINESS • FINANCE • AGRICULTURE

Sidney Daily News,Wednesday, February 20, 2013

Page 32

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Shelby County Progress 1 of 4 2013