Biz Now Magazine - April 2014 Issue by BizNow Magazine

Vol. 4 Iss. 4 April 2014

get inspired

NOW

inspiring the creative spirit in every business leader

Giving Billion

a 1 on 1 with Philanthropist Denny Sanford

REAL ESTATE Buying, Selling, Investing!

605-553-0514

www.avitusgroup.com Regional Office Sioux Falls, SD

Location, Location, Location! Sioux Falls, with its booming economy, sits on the precipice of explosive growth! The Denny Sanford PREMIER Center is a $115M multipurpose arena. USD and SDSU have both announced plans for major renovations to their athletic complexes, and Sioux Falls has seen record-breaking building permits issued in 2013! These are great economic indicators! This issue will help you through the process of finding the right Real Estate broker, banker, engineer, and surveyor to help you find your first moat and castle. Perhaps you’re ready to expand your kingdom with some investment property and need to understand market history and trends or how to handle tenants. Looking to grow your business and sell, buy or lease a place for your shingle? You’ll find it in BizNOW. Cover Models this month are Tony Ratchford, Tara Allen, and David Ratchford of Keller Williams Realty Sioux Falls. The local Keller Williams office achieved international honors, with Tara Allen recognized as Rookie of the Year. Credit for this month’s cover goes to Photographer Hannah Parker. In this issue, you’ll also find an interview with philanthropist Denny Sanford and his thoughts on the risk reward model that has enabled him to create thousands of jobs and give back to the community. And if you’re looking to increase your personal curb appeal, we encourage you to discover the foods that can keep you fit and healthy! It’s all here in BizNOW.

in every issue

Inside Biz........................................4

note from the editor

Biz Feature..................8,11,12 Smart Biz .........................7, 15,

19,20

Biz Q&A's............................16-17 22,25

Biz WrapUp....................... 26 Style NOW...................28-29 What's NOW....................30

calendar of events

contents

Photo by Hannah Parker

April – the Real Estate issue!

Giving a Billion: Interview with Philanthropist Denny Sanford

BEFORE you Invest: What you Absolutely, Positively Need to Know!

5 Foods to Prevent Aging Want to Increase your own personal “Curb Appeal”?

Become a Real Estate Mogul: Taking the Plunge! Selling your Home for a Profit

12& 20

Being a Landlord: the Good, the Bad, & the Ugly

Rookie of the Year: Local Pro Wins International Award

25 Office Space: Should you Buy? Or Rent?

New Sioux Falls Business Earns International Acclaim Interview with Tony Ratchford

Not Your Father’s Mortgage

11 Questions to Ask an Agent Before you Sell Your Home

April 2014 | BizNOWmagazine.com | 3

inside Biz

note from the editor

Publisher BizNOW Magazine, LLC.

Open the Door to Your

DREAMS

Dreaming of becoming a real estate investor? Come on in! Real estate and gold are tied as the favored investment of 25% of Americans, reports a recent Gallop poll. Some invest in Real Estate to increase net worth or gain status, others for retirement income or tax benefits, while those who dislike the financial markets see real estate as an option, with everyone hoping their investment turns into gold somewhere down the road.

Photo by Hannah Parker

NOW

Here’s how the numbers stack up. Men are more likely to choose real estate over savings accounts, or stocks and bonds as the best long-term investment, while women are evenly divided between savings accounts and real estate. Upper income earners are more likely than the middle class to view real estate as the best long-term investment option. Republicans and independents tend to favor real estate more than Democrats. Whatever your dreams– whether owning a home, office, or investment property –Biz is behind you all the way. We talked to the experts and got their insight and advice in this issue!

And when you make your fortune in real estate or another venture, we encourage you to think about giving back to your community – to make it prosperous for generations to come. Philanthropist Denny Sanford, who has donated more than a billion dollars, says, “Aspire to inspire before you expire.” With abundance, you are in a better position to help others and Real Estate can Number of help you achieve that abundance. people who own:

• M ore than one property: 10,200,000 • M ore than three properties: 1,042,157 • M ore than four properties: 547, 947

Remember, when you get to the top of the success ladder, reach back, hold out your hand, and bring the next person up with you. May all your dreams come true,

Gallop research, Bureau of Labor, connectedinvestors.com

Design Director/ Senior Creative Ally Vogel 605-759-5615 ally@allysart.com Director of Marketing Tim Cummiskey 605-366-1489 tim@biznowmagazine.com Director of Business Development Alan Dooley alan@biznowmagazine.com Contributing Photographer Hannah Parker Jayne Erickson Social Media Strategist and Proofreader Alison Peymann April cover photos by Hannah Parker, with inset photo of Denny Sanford by Jayne Erickson. Reproduction or use of the contents of this magazine is prohibited. BizNOW Magazine is published monthly by BizNOW Magazine, LLC and strives to publish only accurate information, however BizNOW Magazine, LLC cannot be held responsible for consequences resulting from errors or omissions. All material in this magazine is the property of BizNOW Magazine, LLC and cannot be reproduced without permission of the publisher. Send magazine feedback and advertising and sales inquiries to tim@biznowmagazine.com ©2014 BizNOW Magazine, LLC All Rights Reserved.

Connect with us! Visit us online at:

www.biznowmagazine.com

Char Hofer

Publisher/Editor 4 | BizNOWmagazine.com | April 2014

Editor Charlotte Hofer 605-376-3758 char@biznowmagazine.com

@BizNowMagazine for news that affects the Sioux Empire business community

Biz Contributors Contributors With a degree in Journalism and English from South Dakota State University, Tessa Audet enjoys both reading and writing. She spends her time writing for BizNOW and exploring Denver, CO. When Biz isnâ&#x20AC;&#x2122;t keeping her busy, you can usually find Tessa with her nose buried in a book or out spending time with friends.

Alan Dooley is a 32-year veteran of IBM and now runs Grathia Corp, a private lending and real estate investment firm. Having been a soccer coach and heavily involved in the Boy Scouts of America, he raised four children and now cares for his parents, one of whom is in remission from bone marrow cancer. Putting the fast-paced corporate world behind him, he now lives in Madison. He has a BS in Computer Science from Rutgers University.

Matthew Stoffel is an English,

journalism and theatre major at Augustana College in Sioux Falls. Originally from rural Minnesota, Matt enjoys the small-town feel of Sioux Falls combined with the big-city offerings. In addition to classes, he is almost always involved in an Augustana theatre production as an actor, director or designer. Matt also writes for the campus newspaper, the Augustana Mirror.

Sam Tastad is a freelance

videographer and writer in the Sioux Falls community. He is a Production Assistant at KDLT where he films and edits local sports games, and freelances as a sports writer at ESPN 99.1. He interviews local coaches and players about games and writes feature stories. Sam graduated from the University of Sioux Falls in May of 2013 with a Media Studies degree.

Steph Laska works as an

Interested in Advertising? Let us help you: Charlotte Hofer

char@biznowmagazine.com 605-376-3758

Tim Cummiskey

tim@biznowmagazine.com 605-366-1489

DID YOU KNOW? BizNOW has expanded to Sioux City, Brandon and Hartford! In Sioux City, find us at HyVee, St. Lukes Hospital, Fareway grocery store, banks, clinics, and more! Find us in a dozen locations in Brandon, including Sunshine Foods and Pizza Ranch, and at Sunshine Foods in Hartford. Every month weâ&#x20AC;&#x2122;re adding new locations! Find us online at biznowmagazine.com

BizNOW

Vol. 4 Iss. 2 February 2014

Executive Recruiter with Lucas Group in Phoenix. Fluent in French, Steph has also worked as an English tutor in Grenoble, France. She says that living in different places has given her a broader and more dynamic view of the business world. Her heart belongs to Sioux Falls, though, and she plans to start a business here one day, as she loves the exciting city growth combined with the small-town feel!

get inspired

inspirin

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s leade r

Charisma

Plus: Inte rview s with

Get it. And Get AheAd.

Ma yo rM ike ,M rs. Sou th

Dak ota and

Bryan Kindopp

April 2014 | BizNOWmagazine.com | 5

BizBUZZ

a little more about our advertisers

You deserve a

Sensational Smile!

“No matter your dental need, don’t settle for average care or a smile that is simply acceptable. Sensational Smiles is a three-doctor practice located in Sioux Falls, South Dakota, offering comprehensive restorative, cosmetic and implant dentistry. We’re committed to providing the finest family dental care in a professional and inviting environment.” (See ad page 24)

The University of South Dakota The University of South Dakota’s 321-acre tree-lined campus, manicured green lawns, sculptures and displays of seasonal flowers create a lush park-like educational setting. The Graduate School offers a welcoming, vibrant campus, a friendly, varied student community, and exceptional quality and high standards of accreditation. (See ad page 24)

Our connections are your connections! If you run a business, check into our 2014 insurance plans for employers and individuals. At Avera Health Plans, we can connect you to local insurance agents who can help with personal and business needs too. What’s your plan? (See ad page 23)

Selling a home? Buying?

Get to the job you love with a great interview with tips from ERC. It’s what every job seeker should know whether you’re changing careers or headed into business for the first time. During your interview, refrain from playing with your hair or touching your face, remember to make eye contact and smile. Let them know that you’re the enthusiastic and qualified candidate they’re looking for. Good luck! (See ad page 19) 6 | BizNOWmagazine.com | April 2014

“Hard work, integrity, excellence, and great relationships with my clients are the foundation of my real estate business,” says Lynda Billars. Lynda believes in giving back to clients, “Listening is a key factor; turning my client’s wants and needs into reality is what I strive for.” So if you’re looking to buy or sell, let the Lynda B advantage work for you. (See her ad on page 10)

Smart BIZ

by Alan Dooley

What you Absolutely, Positively Need to Know

BEFORE you Invest!

Real Estate Investing (REI) is not to be entered into lightly. Read, get educated, and join a networking group or REI association where you can talk to others who are involved in the industry. Laws, strategies and market conditions change constantly. Like the weather, REI is local; what is happening in Detroit is an entirely different market than San Francisco or Dallas. When the bubble burst in the 2007-09 timeframe, both coasts experienced a greater market depreciation than did the Midwest, primarily because they saw a phenominal run up in value preceeding the crash while the Midwest plugged along slowly with a moderate growth rate. Every business or industry has a cycle of boom and bust and its important to tune in to the factors that could impact that cycle. For any locality of interest, research the industrial base, the employment rate, political winds, housing starts, demographics, construction speculation, infrastucture, taxes and regulations to name a few indicators. For example, the boom town atmosphere of the North Dakota oil sands could go on for quite a while but is subject to the fickle whims of Washington. Growth in manufacturing, production, or services are all positive indicators that will preceed demand for housing. When people feel secure about their future, they will want to buy and settle down; otherwise they will rent or stay home with mom and dad. While the RE value cycle was typically on an eight to twelve year path since the Great Depression, this recent bust is huge and will continue for quite a while, with millions of home foreclosures and banks still keeping shadow inventory at bay. If they put it all on the market, we would see an immediate

drop in value nationwide, destroying not only homeowner equity but the banks themselves would become illiquid as their loan portfolio ratios would force them into insolvency. This did not happen overnight, rather it began several decades ago when Congress decided everyone should have a shot at home ownership and messed with the system forcing banks to make subprime loans aka 'liar loans' and a 'no income, no job, no problem' attitude prevailed as people bought properties they could not afford with balloon mortgages on the speculation of selling it within the alloted time at a greatly inflated price. This strategy worked until the housing and other bubbles like the stock market, private debt, and consumer credit all burst about the same time. From 2001 to 2006, houshold income grew at 2% while housing prices went up 80%, making the model unsustainable (source: Bureau of Labor Statistics and the S&P/Case-Shiller Home Price Index). Our deflating dollar and skyrocketing government debt are the next shoe to drop with inflation creeping in faster and faster further destroying our current and future buying power. So where does that leave us? There is opportunity, but invest wisely and get involved in your community. u

Note: The author has been investing since 2007, and invests in a variety of real estate products, from single family homes to commercial entities and paper.

April 2014 | BizNOWmagazine.com | 7

BIZ Feature

INVESTING

by Alan Dooley

Taking the Plunge If you are taking the plunge and investing in some rental property, or are joining a pool of investors and you are comfortable with the risks and potential rewards, then here are some guidelines. First, incorporate. Create a legal structure such as an LLC, S-Corp or C-Corp. Each has its advantages and you need to research which is best for you. Primarily, you want to partition your personal assets from those of the investment to protect you in the event of a lawsuit. Also, there are tax advantages when you have a corporate structure.

Onto the investment. Much like buying a home for yourself,

location and use is critical, but do not fall in love with it, you are not living there. It needs to be functional and taken care of so you can sell or exchange it a few years later after it has both appreciated in value and depreciated as an asset with respect to taxes.

Like any investment, you need to know what kind of return you want. $200 a month, 4%? Your decision, but make

Evaluate all the expenses required to obtain the property

and those needed to maintain it, such as property tax, insurance, vacancy rate, fees, property management and utilities. If you are buying a single family home, the utilities will be transferred to the tenant, whereas with a multiple family unit, you may have common lighting or water that is your expense. Electric should be on separate meters.

sure it cash flows! There are exceptions and reasons for negative cash flow, but positive is better for the beginner. With expenses in hand and market rental rates, you can calculate the offering price by dividing the net operating income by the target percent return or capitalization rate. u

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BIZ Feature

by Matthew Stoffel

SELLYour HOME FOR A PROFIT

A house will probably be most Americans’ greatest expenditure. This creates a great deal of pressure to make a profit if you’re going to sell your home. For starters, it is important to know your motivation for moving. According to Sue Anderson, broker associate for Keller Williams, “a lot of people know that they want to move but they don’t know why.” Helping homeowners pinpoint their desire to sell is vital to the process. Once you know you want to sell, Lynda Billars, a Hegg Realtors broker, advocates interviewing three realtors to find the best fit. “You need to interview individuals that stand out,” Billars says. She advises looking for those distinguished both in real estate and the community. You will be spending a couple months working with your agent, so find the right match. From there, appraise the current value of your home based on condition, location and recent market trends. Then, to maximize your profit, staging is essential.

While updating, remember some rooms and areas won’t yield as great a return as others, so consult your stager. For example, a new front door will offer nearly a full return when buyers calculate a bid. HJN hires a stager when they list a house, Stearns says. This lends credibility to the harder decisions that come with staging, such as taking down personal photographs. Billars adds, “it’s something people have come to expect.”

It is also important to fill the house with sunlight, make the home seem entirely pet free (including odor) and tweak or fix any little things that are eschew. But before anything else, be sure to create impeccable curb appeal. Once your house is full of space and sunlight, it “It starts on the can price higher. You’re ready to list.

outside,” Billars says. “If they’re not impressed when they pull up, they aren’t going to be impressed when they go inside.”

Staging is the process of systematically maximizing your home’s appeal to potential buyers. While some sellers choose not to stage, most realtors agree that staged homes are sure to move faster. The general rule is to reduce the house’s contents by half. This includes all closets and bathrooms. “Every flat surface should have maybe one thing on it,” says Bradley Stearns, a real estate agent from HJN Team Real Estate. “Less is always more.” Billars’ modernization strategy consists of finding the counter, paint or fixture that is currently most popular with consumers and asking for a cheaper version. This can invoke the modern feel without crippling your budget.

"I like doing an open house the first weekend a home goes on the market,” Stearns says. Houses will get the most traffic the first weekend they’re listed. From there, you want to have open houses with enough frequency to draw customers, but not so often that you appear desperate to sell.

According to Stearns, price point is the greatest factor in determining how long a house sits on the market. “Buyers have more information than ever before,” Stearns says. If you list high, you’re going to hurt the hype advantage you had in the first weeks of your listing. In the end, realtor guidance is a must. They not only have more information than is available online, but they know the process. Realtors offer advice, access and clarity. “We can usually pick out the house they’re going to buy before they reach that decision,” says Anderson. u

April 2014 | BizNOWmagazine.com | 11

BIZ Feature

by Tessa Audet

Being a Landlord The Good, The Bad & The Ugly

Owning property in itself can be a rewarding feeling and financial opportunity. Owning more than one property can give you the added bonus of more income, as well as added stress. Renting out properties is a booming market and many people are considering taking on the landlord role. However, there is one big decision to make – to landlord on your own or to hire the job out to a property management company. To help with this decision, Biz has compiled the pros and cons of being a landlord: the good, the bad and the ugly.

Being a Landlord Yourself Pro: You have total control over your property, from upkeep, to the tenants to the rent. It’s all in your hands. Con: You are responsible for handling ALL maintenance issues and complaints. Anything from a leaky roof to a busted AC. If you aren’t handy, this can lead to more expenses by hiring a professional. Pro: There are many different tax write- offs that come

with owning a rental property that can play to your benefit. Check with your lawyer or accountant for more details.

Con: Dealing with tenants. Sometimes it requires a firm hand to make sure tenants pay rent regularly and on time, and there are many laws in place that you must be familiar with if you need to evict.

Hiring a Property Management Company Pro: Using a property management company can save you time and hassle, and perhaps money. According to Josh Kattenberg, owner of Real Property Management in Sioux Falls, the use of a management company can actually increase your rental return. “We are typically able to rent out your property quicker and are capable of dealing with many legal issues that may arise with tenants.” Con: It will cost you money though. Property management companies will charge about 5 to 10 percent of your monthly rental income. Also, with the process of re-leasing your property, or finding a new tenant there is typically an additional fee – sometimes half or more of the first month’s rent. Pro: They have seen it all and can handle every situation that arises. This includes maintenance issues and problem tenants. Kattenberg laughs that there is “no grace in property management.” Companies have no problem holding tenants accountable for late payments or damage to the property, situations that can be hard for landlords to handle. Con: Using a property management company may be more complicated if you don’t use compatible accounting software or if you have different views on management systems. u

12 | BizNOWmagazine.com | April 2014

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Tim Cummiskey | tim@biznowmagazine.com Charlotte Hofer | char@biznowmagazine.com

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The stock market, metals and farm land are at or about all-time highs. At the same time, C.D.â&#x20AC;&#x2122;s are at an all-time low. Maybe we need to think outside the triangle. 14 | BizNOWmagazine.com | April 2014

Smart BIZ

by Sam Tastad

Office Space: To make the decision on whether to buy or rent your office space, three major factors to consider are: the time horizon, growth projection and taxation. “If you are making a long-term commitment, consider buying,“ says Mike Hauck, broker for Accord Commercial Team. “Whereas with leasing, you have a shorter-term horizon and the ability to move into bigger space when your lease expires or the option to stay and renew your lease.”

A broker can do much of the leg work for a first-time buyer by refining the list of available properties. Your broker should also know if there is a tax incentive area or economic development zone.

Kim Buell

Should You Buy or Rent?

As with a home, the right location is key for the type of business being run -- the Kim Buell of Schmitz Kalda, and Associates, civil engineers and exposure or visibility to land surveyers, is a property owner and landlord. “I own this traffic, rental rates, parking, building (in downtown Sioux Falls), and have two tenants; one signage, utilities, or their upstairs, and one in the back. When I get vacancies, I have proximity to vendors or customers. Hauck is aware to get them filled because there are always expenses that what’s right for one business may not be – such as building maintenance. And if you the right decision for another. “For some own the building, you have more work businesses, the primary consideration to sell the building. Whereas, a tenant may be price, and amenities don't has the option to move on, and find a When buying office matter. For others, a certain image different space.” property, a good rule of is critical; they may need more thumb to consider is $3 or elegant surroundings. Businesses To help with this big decision, you’ll that don't have clients coming in want to seek the advice of others, $4 per square foot, or a to see them may just want to get such as an accountant, lawyer, business's triple net costs out of the wind. Some don't need commercial realtor, mortgage windows, second floor or lower (base rent, property tax, broker, civil engineer or surveyor. level is okay. Really it depends on Buell believes a mortgage broker maintenance, utilities, an individual buyer and tenant, and is vital in the commercial real estate what their needs are.” etc) per year. process. “Get experience in renting office space, before purchasing or developing your own. Generally, a place that develops needs to accommodate multiple uses. It's best to have some experience with who those users might be because if you have a small office park with three or four spots, you need to be able to sell to other office clients.” Hauck explains how a commercial broker can impact a buyer’s decision. “A broker is in the business of knowing a market. They have a good awareness of what's available, prevailing rents, how motivated the landlord or seller may be, some history of the properties the buyer or tenant may be considering, and they get expert advice without paying anything extra for it.”

Currently in Sioux Falls, Buell says the biggest growth area is in the Eastern part of town with the development of the South Dakota 100 bypass between 10th Street and 57th Street. The demand for commercial real estate is high and finding the right location can be challenging, and an owner or leaser must be ready to tackle any problems that come may their way. “I've had trouble renting upstairs because people are looking for new stuff that is happening outside of downtown. Downtown has parking but has a lot of parking issues, so it is a unique section of the market that requires experience and good knowledge,” says Buell. u

April 2014 | BizNOWmagazine.com | 15

BIZ Q&A

interview by Charlotte Hofer

Giving Credit

where Credit is due:

1 on 1 with Philanthropist Denny Sanford Denny Sanford was born in St. Paul, MN. He worked in his father’s clothing company during his summers and his mother died of breast cancer when he was 4. His career started in sales. In 1986, he started First PREMIER Bank and added a credit card company (Premier BANKCARD). His company has created more than 3,000 jobs in South Dakota. Upon forming his foundation for charitable giving, his focus was to help disadvantaged children. He is widely known for his philanthropic leadership, with total giving of $1 billion dollars to date. Denny, you were recently awarded the Marketer of the Year award in Sioux Falls by Sales & Marketing Executives (SME). What does that award mean to you? It really means a lot to me to be recognized by my peers in various businesses as they understand the meaning of success and hard work. I was delighted and thrilled to be awarded such a prestigious award, and following in the steps of so many significant individuals from the business community.

ckson photo courtesy of Jayne Eri

Sanford Health includ es 39 hospitals, 225 cli nic locations and 1,360 ph ysicians in 81 specialty areas of medicine.

Everyone goes through ups and downs in life. What is a tough lesson – or something surprising – that has happened to you and the lesson learned from it?

pting the 2014 South Denny Sanford acce e keting Executive of th Dakota Sales and Mar rts. be President George Ro Year Award from SME

16 | BizNOWmagazine.com | April 2014

My greatest lesson learned is to never assume the playing field will remain the same, especially when dealing with government agencies. I have also learned that failure has its rewards in that you can reorganize and build from there.

My advice to entrepreneurs is to follow a Hungarian proverb I was taught by my adult mentor, "Observe the Turtle. It never moves forward without sticking out its neck." However, make calculated risks only with the advice of people you respect and trust. In taking risks, surround yourself with the brightest, most experienced people you can find, and give them unlimited income opportunities. u

tagon.com photo courtesy of sanfordpen

ux Falls Sanford Pentagon, Sio

photo ÂŠ of Sanford SHP Harmony Program, ASU

photo courtesy of siouxfalls eventcenter.org

Denny Sanford Premier Center, scheduled for completion Fall 20 14.

Part of being an entrepreneur is forwardthinking; the ability to see ahead and take good risks. In 1986, you took a risk â&#x20AC;&#x201C; you started First PREMIER Bank and then added a credit card company to it. Any advice for entrepreneurs on taking risks?

April 2014 | BizNOWmagazine.com | 17

Web First. Marketing Always.

Announcing the merger of local web development juggernaut, Gage e-Services with stalwart, ad agency The A Team. From this point forward we shall be known as The Gage Team and as such we provide sophisticated website development and online marketing solutions with a full suite of advertising and marketing services. Let’s face it, today your website better come first. Without one, your business simply doesn’t exist. Get that right and everything else is easy.

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Smart BIZ

by Steph Laska

FIVE FOODS TO

Prevent Aging! In real estate, curb appeal says a lot about a house and its value. First impressions are largely based on appearance, so what are you doing to take care of your body’s curb appeal? We have been told that what you eat can be one of the simplest ways to improve the way you look and even prevent aging. With a little bit of maintenance and healthy eating, you can even reverse some aging effects. So start eating:

1. Berries - the darker the better. Berries

such as blueberries and blackberries have a higher concentration of antioxidants, which helps with cell health. Tests have proven that extended consumption of blueberries actually can improve memory as well as reverse memory loss.

2. Cocoa beans - have the highest level

of antioxidants of any food. This is good for you chocolate lovers. Dark chocolate can help reduce inflammation in your skin, keep in moisture, and protect you from those harmful UV rays.

3. Vegetables - once again the darker the better. For example, kale and spinach also have high concentrations of antioxidants that help your skin cells fight UV light. In addition, the vitamins and nutrients found in veggies can help on the inside as well. Eating your greens helps to reduce the risk of cancer, fight heart disease, and even lower cholesterol and unclog arteries.

5. Avocados - aren’t only good in

guacamole. They have the combined benefits of lowering cholesterol and improving skin health. This green fruit is a great source of vitamin E and potassium, which sure won’t hurt in the goal to be healthier and age with grace.

Your own curb appeal will increase as you eat healthier foods. And if

you want to cheat a bit, we won’t tell if you substitute a little red wine for the berries and add dark chocolate for a nice little treat. Just remember, moderation is the key! u

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for its health benefits. By protecting and maintaining cell health, and reducing inflammation, garlic has also been known to be an immune system booster. It helps to prevent the risk of several types of cancer as well.

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Smart BIZ

by Alan Dooley

Landlording 101 Ok, you bought your investment property and fixed it up, now you need a renter. Where are they? How do you qualify them? What if they break something or disappear in the middle of the night? If they have an accident, who is liable? There are many issues to consider and solutions for most. What you really need to determine is, how much of your time do you want to spend being a landlord? If you donâ&#x20AC;&#x2122;t want that 3am phone call to come fix the toilet, then hire a property manager to handle it and most other issues -- such as repairs, rent collection, routine maintenance, and finding a qualified renter and preparing the lease. They will also perform routine inspections and GR AT HI A C ORP O RATI O N handle an eviction if necessary. Private Lending & Trust Deed Investing We finance residential real estate projects for investors.

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Smart BIZ You still have to decide who is responsible for the yard, snow removal, and what appliances are included or available at extra cost such as a washer / dryer. Having the tenant be responsible to mow and shovel is fine as long as they are willing to do it, but hiring a service will ensure it gets done properly and timely, and maybe the tenant can’t handle it, so factor it into the rent.

Evaluate your time in terms of skill, enjoyment, stress and what else you could be doing. If you just want one or two properties, fine, but more than that, consider a professional management service; your time is better spent finding your next big deal.

with the tenants, or they will take advantage of you in ways you cannot imagine! Every problem will become your problem, and evicting them if necessary will be a nightmare.

HOT TIP Set up a Renter Reward Program. Raise the rent by $20 but offer

a discount if its paid on the 1st . Late fees still If you decide you are the guy to handle the apply though. Offer a bronze, silver and gold star renters, rubbish and roof, or tenants, termites incentive program for doing what you want them to and toilets, then you need to set aside the time to do these do, like pay rent on time, mow or shovel. Each star could entitle chores properly. Evaluate your time in terms of skill, enjoyment, them to some benefit such as a ceiling fan or nicer landscaping, stress and what else you could be doing. If you just want one or or vanity upgrade. Get creative and improve your property at the two properties, fine, but more than that, consider a professional same time. Accumulate enough stars and the renewal increase management service; your time is better spent finding your next will be reduced or discharged. If you have a good renter, you want deal or other activity that can ean increase your bottom line.ATH You I AtoCO keepRP them! GR OuRATI O N P rfriends ivate Lending & Trust Deed Investing cannot ‘save‘ your way to success. Finally, don’t become We finance residential real estate projects for investors.

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BIZ Q&A interview by Charlotte Hofer

Rookie of the Year:

Tara Allen

1. W hat did you do to earn the title of Rookie of the Year internationally? It was based on my sales performance and financial performance competing against thousands of other agents. I sold 65 homes my first year in Real Estate.

2. W ho is your mentor & from where do you draw your inspiration? Before I was even licensed I met with

Tony Ratchford about joining Keller Williams. He asked me how many houses I was going to sell. Without knowing that he sells well over 100 houses a year, I told him I was going to beat him and then proceeded to ask how many he sold. I am fortunate that he was willing to help mentor me. He inspired me to set high goals, to continue to educate myself, recommending books to read and trainings to take. He taught me life is about contribution, to always provide value to people’s lives. Tony sets the path to success for all of the agents at Keller Williams.

3. A lot of rejection comes with sales. How do you handle the “no”s? Sales is a numbers game no matter what you are selling. You have to get yourself in front of or talking to as many people as you can. I look at rejection as one step closer to helping someone else. It is important to not let a “no” lower your confidence or change your attitude.

is a key aspect to get everything you need to get done that day and still have time for your family. Being in sales you are constantly being contacted via call, text, email, or social media so it is important to be clear up front of what your schedule is.

4. If you could give the world 1 piece of advice, what would it be?! My best piece of advice is to live your life

through contribution. When you help people they naturally want to help you back and that’s what the world is all about. My favorite question I have been asked is, “How do you want people to remember you when you leave this world.” Think about that! That is a powerful question. Then work it backwards, how are you going to accomplish that? Live a purposeful life, a life by design and you will succeed. u

22 | BizNOWmagazine.com | April 2014

Photo by Hannah Parker

4. H ow do you balance work and family? Time blocking

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BIZ Q&A

Photo s by Hannah Parker

interview by Charlotte Hofer

New Sioux Falls Business Receives

International Acclaim

Q & A with Tony Ratchford, Keller Williams

1. Tony, your office was recently honored for being #1 in new home sales worldwide. How have you been able to achieve this remarkable success in just two short years? At Keller Williams,

we have a unique business model…it focuses on the agent, training, education, value creation and contribution. Best real estate model I’ve seen in my 35 years. We profit share nearly 48% of the company profit back to the agents who help grow the company.

2. P eople may assume because of your phenomenal success that you’ve never had any challenges. Tell us about a diff icult experience and how you got through it. I like

to think everything I’ve done in the past was helpful in developing what I am today. I’ve been an entrepreneur since I was 20 years old. I had a job in high school; worked my only real adult job as a pressman when I was 20 and got fired for insubordination. Succeeded in business at 21, failed in business at 25, started numerous businesses…some good and some not so good. Unfortunately, I sacrificed my family in the early years of my real estate career…thinking everything came before my children and wife, working 100 hours a week. I thought I needed to learn the hard way, I then discovered the importance of seeking professional help in several areas of my life, and I survived…but only by the grace of God.

3. F rom where do you draw your strength and inspiration? I think we all are driven from our internal

value system. I hope to help other agents learn how to create more value in their service, help them have a great career and provide for their families, and to encourage them to pass it on.

4. What’s next for you? I wrote my first book, ‘the

Dream Home Buying and Selling’ handbook as a tool for my clients. Then we opened KW and I started teaching the agents about my process. Thinking a manual might be helpful, I started writing and ended up with the ‘Wide Awake Dreaming’ field guide for real estate agents. I had the idea of building an extensive website about doing real estate on purpose and with intent. I’ve done some training in the region, and plan to expand the training this summer. The website goes into test mode this month. South Dakota has been a great place to live, and an ideal place to own a business…the principle values from our founding fathers still prevail; and the free enterprise system is still alive and well. It’s been a great ride so far; I’m looking forward to the next 20 years! u April 2014 | BizNOWmagazine.com | 25

S p e ll e r b e

BIZ WrapUp by Alan Dooley

NOT YOUR Father's MORTGAGE Once you have found your castle, nestled among the rolling hills with chirping birds and perfectly located for work, shopping, schools, medical care, transportation and recreation, you need to secure your mortgage.

Gone are the days of a simple handshake and promissory note, now there is a legal quagmire to navigate. “With the addition of Fannie/Freddie/VA/FHA and Rural Development, down payment requirements have drastically changed from when your local bank wanted 20% down to buy a home. Along with that, requirements on income verification, assets and ability to repay have increased dramatically” says Ryan Spellerberg of First Premier Bank in Sioux Falls. “Qualified borrowers will still get approved but everything is checked and rechecked. The days of closing with just a paystub are gone.” The loan approval process can be quicker with a local bank that underwrites their own mortgages. Getting pre-approved is a must. “The current standard is 2 months of bank statements with seasoned funds. Gift funds from a direct family member may be used after being verified but it is dependent on which program the client is using,” Spellerberg continues. For a first time home buyer, two main benefits of getting pre-approved are down payment assistance and the MCC tax credit

where a buyer can receive up to $2000 a year back on their taxes as long as they pay interest on the home. Many banks offer short classes on buying a home to walk you through the process and some will offer incentives so check with your local lender or title company. With a sizeble downpayment, you should plan to stay in your new home long enough to recoup the purchase expenses and equity, usually five to seven years. If you don’t have 20% to put down, you will be required to purchase mortgage insurance. Before you apply, check your credit at annualcreditreport.com. You can do this once a year for free. Some credit card agencies also provide the service, so check with your providers. To keep your score in good standing, Ryan suggests “Make your payments on time. Keep your credit lines under 50% of their credit limit and stay away from excessive inquiries into your credit.” Although several loan programs are available in todays market, each loan program has different guidelines. Standard conventional loans require a 45% debt to income ratio and a maximum of 95% loan to value. Current regulations have limited the interest only and balloon options. The actual loan will require a 2 year income history including bonuses, overtime, commissions or business income. Finally, allow about 30 days from the purchase agreement to the actual close. u

Mortgage Requirements Patrick Erickson, loan officer with First Savings Bank in Sioux Falls, says most mortgages require: 1. G ood credit (usually 640 to 660 w/some exceptions) 2. I ncome to support the payment (mortgage, taxes, insurance and mortgage insurance) with enough extra for a family to live 3. S avings for down payment and closing costs 4. 2 4 months of steady employment history A person can have good credit and still not get approved if they are missing even one of the “legs” of the mortgage process.” 26 | BizNOWmagazine.com | April 2014

11 Questions to Ask Before You Hire An Agent to Sell Your Home 1. How long have you been an

agent and do you work full or part-time?

2. Have you recently sold any

homes in my neighborhood?

3. How many clients are you currently working with?

4. Can you provide a written CMA with price point and explanation?

5. How will you market or advertise my home?

6. How long must I list my house with you?

7. Can you provide client references?

8. What is the best way to stage my home?

9. Why should I hire you? 10. Can you explain the sales

process and closing costs to me?

11. What haven't I asked you that I need to know?

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Style Now

by Cindee Evenson

• photos Hannah Parker

Shopping on a Budget: Cashing in on eBay!

In a society that is built around consumerism, there are many reasons to shop second hand, not the least being that it is fun to get a great bargain! How often have we purchased something, worn it once or twice, and hung it back in the closet, never to be seen again, until we need to clean the closet to make room for new items. By recycling, others can enjoy them and they don’t sit Cindee Evenson in the landfill or unwanted in poses with her our homes. eBay treasures.

eBay is a fantastic way to find bargains and never leave your home. Most sellers are very good about accurately describing items and sending them quickly. They want good feedback so that people continue to shop from them. If a seller has a poor rating from previous feedback, use caution. I have only had one experience where I ordered an item and it didn’t come. eBay stood behind their site and refunded my money, so I still feel confident buying from them. Other pitfalls to avoid are getting caught up in the emotional high of wanting to win the auction so you end up paying more than you intended, or not looking at the shipping costs. Shipping can range from free to well over the actual cost of the item. Always take the shipping into consideration when deciding how high you want to bid on an item. Some of my "steals" on eBay: I spent $14 - including shipping for a new black Guess purse that retails for $89! Another time I spent $30 for 23 designer belts that came together in a lot that the seller claimed to have paid $1000 for! 28 | BizNOWmagazine.com | April 2014

I'm not sure what I am going to do with 23 belts, but it was a great buy none the less. One of my favorite pairs of boots, black Sofft leather boots, were just $10 on eBay with free shipping. Those boots retail for $159 and looked almost new. Two things I’ve learned: only buy what you love and what complements your wardrobe. And just because it is a bargain doesn’t mean that you should buy it. Second-hand shopping is a great way to find treasures and be more conscious of the environment. You can find what you want at a fraction of the price. Remember to be cautious, be smart and have fun!

HOT TIP

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Try Using a Spelling Mistrake Spotter

Some people are in a hurry or just plain can’t spell, so they end up mistyping their eBay entries. Your English teacher would disapprove, but it’s a bargain hunter's dream, says moneysaver. com. Items that are spelled wrong get fewer bids – simply because many people miss them. Now there are search sites that take advantage of this: use them to comb eBay for all possible spelling mistake combinations: Fatfingers, Goofbid and BargainChecker. Happy shopping, from the Biz team! u

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L to R: Ashley, Colleen, Heather, Megan, Tony, David, Diane, Sue, Carli

Think how good it could feel to find the right home and have your existing home sold. Now, think how good it would feel to have saved valuable time, maximized your dollars and had peace of mind throughout the process. We have a vision for how easy it can be. Whether you’re closing on your new home or selling the old one.

www.DreamHomeVision.com exclusive listings / valuable advice / planning tools, and more… Let us invest our reputation, experience and knowledge in the realization of your Dream Home Vision. Phone: 605.336.8866 | After hours: 605.359.4100 5915 S. Remington Place, Sioux Falls

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April 2014 | BizNOWmagazine.com | 29

BizNOW Calendar

April 3-6 BVHS Musical "Willy Wonka" 7:00-9:00PM Brandon Valley Performing Arts Center Tickets: Jessica Henson, Phone: (605) 582-8039

Send items to: events@biznowmagazine.com

what's now

April 3 50th Annual Children’s Care Hospital & School Benefit 5:30 PM Nicky's Restaurant, Rt 34, Madison, SD Hosted by East River Electric Power Cooperative CCHS Mountain Oyster Feed and pork sandwiches. $10 for one meal and 5 raffle entries, $5 meal for kids 6 – 11 April 4 DTSF First Friday 5:00PM Downtown Sioux Falls Shopping, entertainment and special events downtown.

April 8 Sioux Falls Chamber Mixer 5:00 PM Furniture Mart USA 140 E. Hinks Lane Sioux Falls, SD $3 includes hors d'oeuvres.. RSVP to 605.373.2014 or plund@siouxfalls.com

April 8 Business Training Series Event: Maximize Your Time & Energy! 11:30 am - 1:00 pm Brandon Chamber event at Pizza Ranch, Brandon $10 Are you doing what you WANT to do or what you think you HAVE to do?

April 9 Ribbon Cutting and Open House Celtic Clippers 4:30 -5:30 pm 211 SW 1st St. Madison April 10 Brandon Chamber Mixer 5:00pm-6:30pm The Riviera by Rocco's

April 12 Sioux Falls Holistic Health & Spirituality Fair 10am - 5pm Holiday Inn Sioux Falls City Centre $5 Admission/$20 Workshops 605-413-8852 April 15 University Center – 2014 Career Fair 11am - 2pm University Center (4801 N. Career Ave, Sioux Falls) Free and open to the public

April 15 Giant Vision Business Competition 2:00pm – 5:00pm Ramkota Hotel and Conference Center Free to the public

April 24 McCrossan Banquet Auction 5:30-9:00PM Sioux Falls Convention Center Tickets $75 605-339-1203 Featuring SD’s Survivor Finalist Holly Hoffman

April 22 SME Membership Meeting 5:15pm - 8:00pm Callaways Event Center Speaker - V J Smith, Topic: Where is Your There? SME members free, guests $40. RSVP to 605-336-5626

April 29 SME Women in Business 5:00-9:00pm Sioux Falls Convention Center, Grand Ballroom Speaker- America Ferrara (Ugly Betty) Tickets $70, 605-336-5626

April 24 Tribute To Women Awards Night 5:00 - 10:00pm Washington Pavilion / Great Hall Hors d’oeuvres, live music and silent auction.

April 29 Networking at Noon Brandon Valley Chamber 12:00-1:00PM 212 The Boiling Point Join with Chamber members for lunch! More at brandonvalleychamber.com

22 3 April 24 Ribbon Cutting at The 1948 Trading Company 4:00-5:30pm 721 N Splitrock Blvd. Brandon

April 24 YPN 5th Anniversary Party 4:00 PM - 7:00 PM Hilton Garden Inn Downtown Party to celebrate the 5th Anniversary of the Sioux Falls YPN! Free admission, free food and great door prizes!

May 3 Big Brothers Big Sisters Kentucky Derby Gala 4:30PM The District 4521 W. Empire Place, Sioux Falls To purchase tickets contact Jami Gates at 605.334.1632 or jamig@bbbsse.org

Biz Lunch Corner May 14, 2014 12:00 noon CST. RegistRation Now Open 60 minute webinar:

“The Top Ten Mistakes That Break Up a Family Business” with Jolene Brown, CSP

30 | BizNOWmagazine.com | April 2014

Need a great place to take a client? Try JL Beers "C’mon!! Break outta your shell! Get my favorite JL Beers burger: the HUMPTY DUMPTY with a fried egg on it! It ‘puts me over the edge’! (I crack myself up.) JL Beers is a great place to meet business clients. Fun, lively atmosphere & great food…makes it eggs-actly perfect!! All the kings’ men - and women -- will love this burger. So, live on the edge---TRY IT!" - Pam Hoffman, MSH Architects/PHD Design Got a place we should know about? Send in your own review in 75 words or less - we’d love to hear about it! info@biznowmagazine.com

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ONE-OF-A-KIND PROGRAM.

The program will extend across the entire footprint of Sanford Health. It will transform internal medicine, provide practicing geneticists, and those in training, with an opportunity to advance the field of genetics through robust research programs and clinical application of research findings. They will also have access to state-of-the-art facilities, the latest technologies, bench laboratory space and a laboratory certified by the Clinical Laboratory Improvement Amendments (CLIA).

Sanford Imagenetics will be the first program in the nation to fully integrate genetics and genomic medicine into primary care for adults.

LEARN MORE AT SANFORDHEALTH.ORG/IMAGENETICS 500-53300-0227 3/14