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CONTENTS JaNuary 2014
n CSBank specializes
5
n Quality Bookkeeping & Tax
9
in attentive service Service is ready to help
Growing with Fort Dodge ....................... 5
d e p a r t m e n t s economic indicators
28
in every issue alliance Newsletter ................................................... alliance News ........................................................... CVB ......................................................................... Investing in Our Community ................................... Iowa Central Insights ................................................
Offers extensive options ........................... 9
18 23 25 26 27
ON THE COVER CSBank Market President David Flattery is ready to welcome new and old customers to the bank, located at 130 N. 29th St — Messenger photo by Hans Madsen
January 2014 • FORT DODGE BUSINESS REVIEW • 3
Flannery Tax & Bookkeeping Services Offering Bookkeeping and Payroll Services 1401 8th Ave N, Fort Dodge 515-576-0390 or 515-576-5689 flannerytax@gmail.com Kathleen Flannery - Salgren - Registered Tax Preparer Wayne A Salgren - Accountant - Notary
* The IRS does not endorse any particular individual tax return preparer. For more information on tax return preparers go to irs.gov
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(515) 574-4529
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Fort Dodge Business Review is published monthly by The Messenger in cooperation with The Greater Fort Dodge Growth Alliance.
All rights reserved. Copyright 2014. Reproduction in part or in whole without the expressed written permission of Fort Dodge Business Review is strictly prohibited. unsolicited manuscripts must be accompanied by return postage. Fort Dodge Business Review is not responsible for unsolicited photographs, artwork or manuscripts. The opinions expressed in editorial material are not necessarily the opinions of Fort Dodge Business Review.
CSBank Market President David Flattery stops to chat with Karen Wood, assistant vice president and trust officer, during a recent day at the bank.
csBank specializes in attentive service Committed to growing with Fort Dodge by TERRENCE DWYER As Fort Dodgers were welcoming the 21st century, David Flattery, a Fort Dodger with deep roots in the local community and extensive experience in the financial world, was recruited to lead a new banking venture — CSBank. The vision from the very beginning was to offer a full range of banking services with a highly personalized, customer-focused touch. “We offer the same products and services as other banks,” Flattery,
photos by HANS MADSEN who has been the market president at CSBank since it opened its doors in March 2000, said. “The key is how they are delivered. ... We want to know our customers. We want to engage with our customers and create that friendly atmosphere when you walk in here. In the way we deliver, we want to be special.” That welcoming approach is evident to anyone who enters the bank. “When you walk in here people
know you by name,” Flattery said. “They get to know you. We try to create that friendly atmosphere when you walk in so people are comfortable.” There are also neighborly touches like freshly baked cookies that underline the bank’s customer-centered approach. While the bank offers the Internet banking options that are now common in the industry, its personnel also stand ready to assist patrons
January 2014 • FORT DODGE BUSINESS REVIEW • 5
CSBank teller Heidi Kramer helps a customer at the drive-through. who may not be entirely at ease navigating this increasingly hightech world. “We can personalize that service,” Flattery said, explaining that when help is needed, at CSBank it is provided by human beings who understand that some aspects of Internet banking can be intimidating until the process of using this very convenient service is mastered. As CSBank is about to commence its 15th year in operation locally, it is by just about any measure a success story. The bank’s nearly $147 million in assets as of Dec. 31, 2013, are solid evidence of financial strength. Flattery said it has developed a diverse and well-balanced presence in the local banking marketplace. “About a third of our bank is ag, a third commercial and a third consumer,” he said. Flattery said the recruitment of a talented team of professionals who combine banking knowledge with a strong commitment to Fort Dodge and Webster County played a key
role in making CSBank prosper. “We focus on the community,” he said. “You hear that all the time, but we really do. We really promote our people to get involved in the community.” Flattery, who has been a member of the Fort Dodge City Council since 2008, illustrates that civic involvement. So too does Executive Vice President Matt Wagner who is a member of the Fort Dodge Community School District Board of Education. Assistant Vice President Shelley Bair is a member of the City Council in Duncombe. “We’ve got people involved in 4H and a lot of them are involved in the churches,” Flattery said, noting that such participation is the norm rather than the exception for CSBank staff members. Flattery is bullish about CSBank’s future. “We’d like to expand our services,” he said. Flattery said the biggest challenge his industry faces in the years just ahead is learning to cope with a revised federal regulatory environ-
6 • FORT DODGE BUSINESS REVIEW • January 2014
ment. The financial crisis just before the 2008 presidential election led to demands in the years that followed for more oversight by the federal government of banks and related entities. “The Dodd-Frank bill has really put some regulatory pressures on us,” he said. Because Flattery is both a leader in the local financial community and has been a member of the City Council for six years, he is uniquely positioned to evaluate the town’s economic prospects in the years just ahead. This community leader is highly optimistic about the area’s potential for positive growth. “It is improving, but we’ve got a long ways to go,” Flattery said. “The agricultural environment has been very good up until now. ... For the most part the financial condition of farmers is strong. ... We would really have some challenges if we didn’t have this Ag Park. It has really made a difference.” He said private sector and governmental leaders in Fort Dodge
have done a good job of readying the community for a bright tomorrow. “I say Fort Dodge ... is staged as well as anybody of our size,” Flattery said. “We’ve got to have jobs. That’s why the Ag Park gives added value to the products we grow here locally.” Meet David Flattery Flattery has spent much of his life in Fort Dodge. He graduated from St. Edmond Catholic High School in 1977. Then it was on to Iowa State University where he majored in agricultural business with a minor in marketing and received a B.S. degree in 1982. He was active in sports and at one point contemplated pursuing a professional baseball career. The financial world has been his career focus from the start. After college, Flattery worked for the International Harvester Credit Corp. before having the opportunity to return to Fort Dodge to be part of the team at United Central Bank. He worked there for about 10 years and then became affiliated with First American Bank, where he spent five years before becoming the founding market president for
CSBank. Flattery said the nature of banking is a good fit for him. “I’m a service-oriented guy,” he said. “Banks provide service. I like math and financials.” Being able to pursue a banking career in a community like Fort Dodge has also been very much in sync with Flattery’s lifestyle preferences. “I’ve always been family oriented,” he said. “I wanted to go back to a community where I could raise my family and still have a career that I could enjoy.” Flattery and his wife, Debbie, a 1978 graduate of St. Edmond, have five children, four sons and one daughter. Andy Flattery, 29, is with the Bank of Montreal in Kansas City. Tim Flattery, 27, is selling commercial insurance in West Des Moines. Joey Flattery, 23, just graduated from Kansas State and is employed by the Detroit Tigers. He is a pitcher. Neil Flattery, 20, is a sophomore at the University of Iowa majoring in accounting. Megan Flattery, 15, is a freshman at St. Edmond. About CSBank What has become a highly suc-
cessful, full-service bank got under way in March 2000 at a temporary, rented home in the Dave Jones Real Estate office, 1609 Central Ave. It grew fast and by November 2001 was housed at its present location — 130 N. 29th St. For a time, business was conducted from a trailer while a 3,600-square-foot, state-of-the-art bank facility was constructed. In the bank’s early days the focus was on mortgage lending, but Flattery told a Messenger reporter in February 2001 that the plan was to build a full-service bank capable of meeting the needs of a diverse clientele. That goal has been substantially realized. Flattery said friendly, highly personalized service helps attract and keep customers. He said his team members take pride in finding ways to show clients that not only is their business appreciated, but they also are valued acquaintances. He said the bank’s size and the absence of an impersonal bureaucracy in some faraway town also are strong selling points. “The decisions really are here,” he said.
CSBank Market President David Flattery stops to chat with Julie Roethler, a receptionist/teller at the bank. January 2014 • FORT DODGE BUSINESS REVIEW • 7
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Dave Flattery sees Fort Dodge from a unique point of view. From his seat on the City Council, from his work with the Greater Fort Dodge Growth Alliance, from his mentoring of youth, and as President of CSBank, Dave Flattery sees a positive and growing community with many opportunities. Opportunities he helped create. CSBank reflects Dave’s unique view with its customers and opportunities created for their benefit. Dave Flattery and CSBank want you to see our community from their point of view. It is a view you will appreciate!
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Quality Bookkeeping & Tax Service c-owner Rick Brand works in his office recently. The firm is located at 820 Central Ave. in downtown Fort Dodge.
Quality Bookkeeping & tax service is ready to help Offers extensive options to diverse clientele by TERRENCE DWYER Quality Bookkeeping & Tax Service, 820 Central Ave., has been a valued resource for an array of clients who need accounting or tax filing help for nearly two decades. Rick Brand, who with his wife Maureen Brand, has owned the business since 1995 said his team undertakes a wide variety of
photos by HANS MADSEN assignments. “Anything basically to do with accounting except auditing,” he said reflecting on the scope of the enterprise. “On the accounting side we will do a normal profit and loss for your business. We will do accounts payable, accounts receivable. Payroll. Pretty much any-
thing to do with accounting.” The firm also does tax returns for both individuals and businesses. Brand, who also farms, said his involvement with the accounting world started out as a seasonal job 26 years ago. “I went to work for a business called Black and Jorgensen,” he
January 2014 • FORT DODGE BUSINESS REVIEW • 9
Quality Bookkeeping & Tax Service co-owner Rick Brand stops to talk with bookkeeper Saralee Petersen recently in her office. said. “They had been in this town for several years doing taxes. That was Ron Black and Jerry Jorgensen.” After working for Black and Jorgensen for seven years, Brand had the opportunity to buy the company. He did so in 1995 and rechristened the enterprise Quality Bookkeeping & Tax Service. The following year he moved the firm to its present location in the heart of downtown Fort Dodge. “It’s an excellent location for us,” he said. “It’s been great for our customers. It’s been great for my employees. ... It’s a visible location. We have good parking.” The client mix is a cross-section of the community. “I like to say that I specialize in farm tax returns,” Brand said. “Obviously, that comes natural to me. That would be approximately 20 percent of our taxes. And the balance of it would be anything from small businesses to rental properties, individual taxes, corporate taxes. We do a few trusts.”
Because he is part of their world, Brand said he finds providing tax and financial services to farmers especially attractive. “I know the questions to ask them that someone else may not think of,” he said. “I can relate to them because we talk the same language.” He said he draws business from a broad geographic area, but the majority of the individuals and businesses he assists are from Webster County and the adjacent counties. Many of Brand’s clients have used his services for many years. “You acquire a client and if you treat them fairly and do good work they’ll be back to see you,” he said. Satisfied customers are also at the heart of Brand’s marketing strategy, because they are an important source of referrals, he said. “It’s pretty much 100 percent,” he said, reflecting on the importance of referrals to acquiring new clients.
10 • FORT DODGE BUSINESS REVIEW • January 2014
While Brand’s first love is farming, he said he also has a lifelong love of and talent for working with numbers. “Numbers are really easy for me,” he said. The computer software available today might make it possible some people to handle tax and accounting issues themselves. Even so, Brand said most people prefer to have professional help because doing these tasks isn’t something they regard as a good use of their time or talents. He said his advice to people who might be tempted to tackle these tasks themselves reflects that analysis. “Do what you do best and let us provide the services on the side that you don’t enjoy,” Brand said. After more than a quarter century in the accounting and tax world, Brand said he enjoys working with the numbers, but something more important has kept him in this field. “It’s the people,” he said. “The
interaction with the people and making up a plan and then seeing it come to fruition — seeing it happen. ... It’s been successful and it’s been enjoyable. … One of the biggest advantages I would say of this business is I’ve gotten to meet a lot of really nice people — my customers.” For anyone who might be in the market for a bookkeeping or tax service, Brand has a straightforward message. “We look out for what is in the customer’s best interest,” he said. “We’re not into breaking rules. The IRS does have rules and you follow them. ... I think we are experienced, personal and not overpriced.” Brand said the success of Quality Bookkeeping & Tax Service is attributable to quality services and the hard work and dedication of his staff. “I feel fortunate to have very good employees,” he said. “I’m able to farm and have this business because of my employees.” Brand said the flow of work at Quality Bookkeeping & Tax
Service fits nicely with farming. “Between now and April 15, we will be busy,” he said. “It works out really nice for me because on April 16, I start planting corn. The two seasons match up very well for me.” Meet Rick Brand Brand grew up on a farm near Somers. He graduated from Cedar Valley High School in 1978. Then it was on to Iowa State University where he studied agricultural business and earned a Bachelor of Science degree in 1984. Brand began farming while at ISU. “I started farming in 1982 while attending Iowa State,” he said. “I graduated from college in 1984 because I was going part time while I was farming. ... I rented a farm when I was going to college. Since then, I rent ground and I own ground.” Today Brand farms about 2,000 acres in addition to being at the helm of Quality Bookkeeping & Tax Service. “This was originally a winter job that when I bought the business
turned into a year-round job,” he said. “I spend more and more time in here today. Farming has become less physically demanding so it takes a lot less time.” Brand has also undertaken key industry and community leadership roles. He was on the board of directors of Farmers Cooperative Co. from 1994-2006. Brand was FC president for four years and on the Executive Board for eight years. From 2009-2013, Brand served on the Prairie Valley School board. Since 2009, he has been on the board of directors of Land O’Lakes Cooperative. He currently chairs the Audit Committee and is a member of the Executive Committee. Brand and his wife, Maureen Brand, have been married for 27 years. They have three children. Whitney Francis, 23, is married, lives in Ankeny and works for Wells Fargo Bank in Des Moines. Olivia Brand, 19, is a student at ISU preparing for a career in elementary education. Nolan, 14, is a freshman at Prairie Valley.
Rick Brand stops to confer with bookkeeper Deb Bauer in the firm’s downtown Fort Dodge office. January 2014 • FORT DODGE BUSINESS REVIEW •11
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1911 First Ave. North 576-5095
Sweets for your Sweet! 18 • FORT DODGE BUSINESS REVIEW • January 2014
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January 2014 FORT DODGE BUSINESS REVIEW • 21
Fort Dodge, Iowa Residential 515-573-3931
Providing Premier client focused residential substance abuse treatment for women and women with children.
Providing OWI and substance abuse assessments Full outpatient substance abuse treatment services for female and males Providing Prime for Life classes Outpatient 515-301-8426
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Greater Fort dodge Growth alliance news by DENNIS PLAUTZ Chief executive officer As we begin a new year, I ensure that our strategic am confident that we as a plan aligns with the goals region will make more positive and action plans they have “A strategic plan should always be progress than even occurred in adopted. By involving them 2013. This belief is based in in the process on the front a living, breathing and dynamic part on the coordination and end of the planning we crethe improved collaborations ate goals and action plans document that is adjusted with time.” that developed in 2013. One that align throughout all example is the update of the organizations and we all Greater Fort Dodge Growth work from the same playmaybe we historically have. As Alliance’s strategic plan in book toward common purposes. Confucius said “If you don’t December 2013. This is what will separate areas that change direction you’ll get where A strategic plan should always be wait for things to happen and areas you’re headed.” a living, breathing and dynamic that plan a direction and proactiveThe current plan was updated document that is adjusted with time ly drive the change that is positive through a collaborative effort of rather than becoming static and and meets community desires. staff, committee chairs, board memtherefore not reflecting real time cirbers, partners cumstances. If our plan does not and others who change as the needs of our region H Home o m e & Garden G a r d e n Show S h o w - Home H o m e & Garden G a r d e n Show Show participated in change, it will not be as effective as the original it should be in guiding our activities development of presents... and limited resources. The Growth the plan, includAlliance plan was amended with ing government that process in mind. and education. A strategic plan, if developed Within the properly and implemented approprocess there was priately, will accomplish a number representation of purposes. It first of all, it commufrom a wide varinicates goals and objectives. ety of viewpoints Secondly, it ensures that the most representing effective use is made of our always small business limited resources by focusing on owners, large key priorities and issues facing our corporations, region. manufacturing, Utilizing a well-conceived plan retail, service also provides a base from which business, governprogress can be measured and ment, education, we as an organization can remain and local nonaccountable to our membership profits. and partners. Finally, but most We are at the importantly, the strategic plan Iowa Central Community College East Campus point now that enables and keeps us all as part(former Smithway Motor Xpress Location) over the next 60 ner organizations on the same 2031 Quail Ave • Fort Dodge days we will be page and in the same playbook. asking for resoluWe as a a team of various organtions of support izations and entities can recogfrom various For more information contact nize change together and adapt public and priwith proactive planning. We Leanne Darr, Events Coordinator vate organizahave been doing well because we tions in order to T The h e Messenger M e s s e n g e r (515) ( 5 1 5 ) 573-2141 5 7 3 - 2 1 4 1 or o r 1-800-622-6613 1-800-622-6613 are reacting to change better than
2014 H HOME O M Earden &G Show
March th th th 7 ,8 &9
NEW N E W LOCATION LOCATION
January 2014 • FORT DODGE BUSINESS REVIEW • 23
R ibbon C uttings
A ribbon cutting was held at Fort Frenzy Dec. 9, 2013. Kellie Guderian is shown cutting the ribbon.
A ribbon cutting and open house were held at Friendship Haven Jan. 3. 24 • FORT DODGE BUSINESS REVIEW • January 2014
cvB by KERRIE KUIPER Marketing director Convention and Visitors Bureau This is the time of the year when groups start contacting “The Fort Dodge CVB is updating the the Fort Dodge CVB about upcoming conferences or con2014 event calendar now but we ventions coming to town. Fort Dodge is an excellent choice need help from local attractions for a conference as we are and event organizers.” conveniently located in the middle of the state and have a number of facilities capable of group. hosting groups. The typical conferThe Fort Dodge CVB is updating ence or convention size ranges the 2014 event calendar now but between 50-500 attendees. We realwe need help from the local attracize it is often local organization tions and event organizers. In members which pave the way for order to properly promote the Fort Dodge to host conferences and community we need event details will assist these groups. While we of all special events, festivals, tourare not able to plan the entire naments, or performances. This event, it is our pleasure to help includes annual events too. Either groups where we can. Some place your event information on groups need information about the upcoming events page of our venues, services or entertainment website www.fortdodgecvb.com options and we can easily provide or email it to fdconvention@fronthese. The Fort Dodge CVB can tiernet.net. Important details are also let groups know what other event date, times, location, cost, events are taking place and steer contact phone number, website groups away from potentially busy and a brief description of the event. times when lodging or other faciliAlso helpful to us is a photo of the ties may not be available. We will event or event flyer. Season attracprovide hotel listings, dining and tion opening and closings are entertainment options in print or needed as well. Let me know if you electronic form for the event?s reghave any questions. istration materials. It is not unusuHere are a few upcoming events al for us set up local bus tours for to be aware of. the groups. Financial assistance is Please visit us at www.fortalso available for groups through dodgecvb.com for a complete list our marketing grant program. of upcoming events. Award amounts vary depending n Entrepreneur Expo will be 2 to on the size of the conference and 6 p.m. Jan. 21 at the Iowa Central the distance attendees must travel. Community College Bioscience We are also, happy to provide weland Health Sciences Building. come materials to any group comn New Exhibition — Hans ing to Fort Dodge. These welcome Madsen: Photography will open at materials vary according to the 11 a.m. on Feb. 1 at the Blanden information available and the Memorial Art Museum interests of the attendees. If you n Artist Talk — Hans Madsen are part of a group planning a conand Reception will be 3 to 4 p.m. ference or convention in Fort Feb. 8 at the Blanden Memorial Art Dodge please contact the Fort Museum. Dodge CVB and let us assist your
n Winter Flea Market will be held at the Webster County Fairgrounds Feb. 8 and 9. n Karl King Municipal Band presents “Karl L King Birthday Concert” starting at 3:30 p.m. Feb. 16 at the ICCC Decker Auditorium.
UPDATE YOUR FREE LISTING
NOW Call
Becky O’Brien
574-4418
January 2014 • FORT DODGE BUSINESS REVIEW • 25
investing in our community by RANDY KUHLMAN Chief executive officer Fort Dodge Community Foundation and United Way
Families and communities have a symbiotic relationship in that families, as part of the community, collectively create the cultural, social, political, and economic infrastructure of the community from which families draw invaluable support. Very much like their built environment, families construct a complex social and cultural system that makes their survival more likely and their lives easier. Studies by the Search Institute have identified 40 concrete, positive experiences and qualities — “developmental assets”— that have a tremendous influence on helping young people to grow into healthy, productive and caring individuals. The research by the Search Institute shows that having a healthy, stable and loving family is the foundation to raising happy, healthy and successful children. It is the most important element in instilling a positive value system in children and developing children that have healthy self-esteem and the developmental assets they need to become productive and successful adults. Families need supportive communities to provide social ties, enhance health, teach values, and develop assets in children and youths. When living in a supportive community, a family can grow to its full potential and provide the best environment for children to grow into healthy, caring adults. And the act of bonding together in a community not only makes our physical and economic life possible in today’s world, it gives us the social interaction we need to produce optimum physical and mental health. A variety of studies over the years have shown that for health and well-being we need strong personal relationships and social ties with family and community. The Fort Dodge Community
Foundation and United Way is committed to helping our youths reach their full potential academically and developmentally. The long-term success of our community will be determined by our effectiveness in supporting the positive growth and development of our youths. Many of them will be our future work force, citizens and parents. We know that communities with strong families will the ones that thrive in the decades ahead, and those that don’t will find themselves constantly fighting the social ills and struggles that accompany poverty and broken families. Today, there are still many families that are struggling financially. Many of these families are under a great deal of stress. Poverty can take a toll on families, often leading to the disintegration of the family unit. Many children in our community and county are now living in homes with only one parent, usually a mother. Often times, mom is working at a low paying job and is doing what she can to make ends meet, while raising one to three or more children. It is a daunting task. These families aren’t looking for a hand-out, but sometimes a helping hand is welcomed and can make a huge difference in their lives. The Fort Dodge Community Foundation and United Way supports a wide range of programs and organizations that are dedicated to helping families become more stable and self-sufficient. Below are nine areas of support that the Fort Dodge Community Foundation and United Way is focused on in trying to help build strong families. Emergency-Crisis Fund — Provides emergency financial assistance to families with children to help them deal with a financial crisis that may prevent them from having some of life’s most basic necessities such as housing, food,
26 • FORT DODGE BUSINESS REVIEW • January 2014
clothing or emergency medical care. Resource and Referral — Serves as Fort Dodge and Webster County’s key source of integrated information that connects people and families with vital services available in our community. Wheels for Health — Covers costs for uninsured, low income families who need assistance to travel to Iowa City, Rochester or Des Moines to receive critical medical services. Wheels for Work — Covers costs associated with the Wheels for Work program. Donated cars are reconditioned and given to qualified families who have no personal transportation which creates obstacles for keeping a job and meeting family needs. Bridging the Gap Fund — Provides families with children with donated used furniture, beds, household items, etc. to help disadvantaged families live in a more stable home environment. Children’s Homelessness — Provides support for families with children that are homeless or on the verge of becoming homeless. Fighting Hunger — Financial support is provided to programs that help families who struggle to provide nutritious food for their children. Positive Parenting — Provides support for programs and services that are designed to improve parenting and enhance the quality of parenting in our community. VITA Program — Provides lower income families with free tax preparation services and helps families receive their eligible tax refunds as well as earned income tax credits for those that qualify. Contact the Fort Dodge Community Foundation and United Way at 573-3179 or stop in and visit us. Our offices are located at 24 N. Ninth St. in Fort Dodge.
iowa central insights by ANN WAYNAR Adult basic education coordinator Iowa Central Community College The Adult Education and Literacy Program at Iowa Central Community College began in 1967 with the mission of assisting adults to become literate, to obtain knowledge and skills necessary for employment and self-sufficiency, and to complete secondary school education. The program was funded by the federal government under the Workforce Investment Act, Title II, Adult Education and Family Literacy Act and local Iowa Central funds. Classes are offered at no cost to adult students for the High School Equivalency Diploma, basic education and literacy, and English language learning. 2014 brings a wave of change to Adult Education and Literacy in the state of Iowa. A historic bill in the 2013 Iowa Legislature provides first time funding for the AEL program across the state. State funding was implemented at a strategic time when federal dollars had been dwindling over a 10 year period. This timely funding is a building block for adults to start on career paths for skilled jobs in the state and for the state to grow a qualified skilled work force. It is a win-win situation for undereducated adults and economic growth in Iowa. At Iowa Central, this additional funding translates into increased class availability and additional technology and instructors. Classes are offered at the three Iowa Central locations in Fort Dodge, Storm Lake, and Webster City and in Jefferson for High School Equivalency Diploma (HSED) preparation and English Language Learning. Classrooms have been updated with new computers and computer labs providing access to additional online learning such as I-pathways, an
HSED study program and Rosetta Stone online learning for English proficiency. According to state sta-
“Iowa Central looks forward to assisting adults reach their education and career goals.” tistics in 2012, Iowa Central will be reaching out to approximately 1,912 persons in the Iowa Central area that do not have a high school diploma and 4,300 persons who speak English less than very well. The other significant change in Adult Education and Literacy is a different format for High School Equivalency Testing. Since World War II, GED Testing Service has offered the official test for the High School Equivalency Diploma. This test has been updated about every 10 years to reflect academic skills of a high school graduate. As the closeout of the 2002 GED format approached in 2013, other testing services began offering High School Equivalency Tests. After taking bids from three vendors, the Iowa Department of Education decided to implement Educational Testing Service’s HiSET assessment (High School Equivalency Test) for the same High School Equivalency Diploma issued by Iowa. Educational Testing Services other tests such as ACT, GRE, TOEFL, and Praxis are well known nationally recognized standardized assessments. Similar to the past GED test, the 2014 HiSET (High School Equivalency Test) is comprised of five sub-tests in the areas of math, writing, reading, science, and social
studies. The most obvious change is the computer-based format which requires students to register and complete the test in an online format through Iowa Central’s campus testing centers. The HiSET exam advantages that give students the best chance to succeed on test day are three-fold: 1. More flexible. The HiSET exam can be taken in multiple formats and multiple languages, and it provides a number of accommodations for test takers with disabilities and health-related needs. 2. More accessible. Testers will have more test center options, so they can choose the one that’s most convenient. 3. More affordable. Not only does the HiSET exam cost less than the GED test, but testers get more for their money — two free retakes with a purchase of a battery (all five subtests) for $50. Once testers pass the HiSET exam, they will have the valuable Iowa state-issued credential needed to advance a career or continue with education. High School Equivalency Diploma (HSED) and English Language Learning classes are still available at no cost at all Iowa Central campuses. Please visit the Iowa Central website http://www.iccc.cc.ia.us/ to see a full listing of new student orientation and class locations and schedules. For more information contact Ann Waynar at 574-1959 or waynar@iowacentral.edu. Whether you want to pursue a career or attend college, earning a high school equivalency credential is more important than ever. Iowa Central looks forward to assisting adults reach their education and career goals.
January 2014 • FORT DODGE BUSINESS REVIEW • 27
Mortgage Interest Rates
Local Stock Index
6%
Source: Edward Jones
29.02 49.81 57.14 45.43 78.18
Source: Edward Jones Rates average of those reported by Fort Dodge financial institutions
5%
3%
$55
2%
A
S
O N
D
4.525 3.60
4%
Closing Prices as of 1.6.14
4.468 3.593
USG VLO WAG WFC WMT
4.187 3.375
82.27 30.55 44.78 48.23 63.06
4.325 3.50
PEP PFE SHLD SLGN TGT
4.718 3.731
J
Airline Boardings
$50
Current Year
1200
$45
Previous Year
Source: Fort Dodge Regional Airport
1000 800
$40 55
M
53
J
52
J
54
A
52
S
53
O
55
N
54
D
55
400
J
200
J
A
S
238 357
54
A
224 320
52
M
408 297
F
299 288
51
332 156
600 229 382
$60
16.65 8.68 95.86 98.71 73.06
15 Year Fixed
4.550 3.675
$65
BAC JCP MCD MLM NSRGY
30 Year Fixed
7%
O N D
Like us on Facebook at “Iowa Central Community College”
Follow us on Twitter!
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@IowaCentral
515-576-7201 or 800-362-2793 www.iowacentral.edu
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28 • FORT DODGE BUSINESS REVIEW • January 2014
Auto & Truck Sales Cars
125
Express Scripts (ESRX)
Source: Webster County Motor Vehicle Dept.
Trucks
Price Per Share as of the 1st of the month Source: Edward Jones
25
50
10
J
60 30
60 54 28
50
71 31
70
82 37
75
90 40
80
64 23
100
A
S
O
N
D
40
55.67
58.11
57.00
60.40
61.27
62.95
65.83
64.92
62.53
63.46
66.77
69.88
F
M
A
M
J
J
A
S
O
N
D
J
Building Permits
CSX Corp (CSX) Price Per Share as of the 1st of the month Source: Edward Jones
Source: Fort Dodge Planning Office
100
30
80
25
60
20
40 56
70
70
85
50
24
21.64 53
20
15 J
J
A
S
O
N
D
10
23.58
23.84
25.23
24.22
25.86
25.43
25.57
26.46
F
M
A
M
J
J
28.22 27.58
23.26
A
S
O
N
D
J
1 Year CD & 10 Year U.S. Treasury 1 Year CD
5%
10 Year US Treasury Source: Edward Jones
4%
.40 2.047
.3375 2.588
.380 2.494
.350 2.8
.325 2.573
.340 2.601
M
A
M
J
J
A
S
O
N
D
.308 2.905
.3166 1.695
F
.350 2.813
.35 1.643
1%
.410 1.846
2%
.430 1.978
3%
J
UPDATE YOUR FREE LISTING
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Becky O’Brien
574-4418
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January 2014 • FORT DODGE BUSINESS REVIEW • 29
February Thursdays at 3:00 Friendship Circle Town Home Tours
We have a variety of beautiful two bedroom and two bathroom carefree town homes with a wooded view.
Friendship Haven 420 Kenyon Road Fort Dodge, Iowa 50501 515-573-6000 www..ffriendshiphaven.org
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"
3* 3
/13 /&)'
'' '-.#62 /--'1%+#, #,'2 1/('22+/.#,2 3/ ,'#1. #$/43 3*' 30 • FORT DODGE BUSINESS REVIEW • January 2014
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01/)1#- (/1 5/41 $42+.'22
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January 2014 • FORT DODGE BUSINESS REVIEW • 31