January/February 2024 by St. Cloud Area Chamber of Commerce

GROW YOUR BUSINESS WITH US It’s Nice to Meet You.

We’re Granterion, a Bluestem Brands company. When our sister company, Fingerhut, was founded 75 years ago, companies invested in their own warehouses and built a robust workforce. Today, many eCommerce and B2B businesses are looking to outsource these functions, saving them both time and money. That’s where we come in.

Customized 3PL solutions Fulfillment Warehousing Storage Kitting

At Granterion 3PL solutions, we’re combining Bluestem’s direct-to-consumer industry expertise, skilled workforce, and Fingerhut’s existing warehousing facilities in St. Cloud, Minnesota, to solve these logistical challenges for our customers. Our innovative and customized 3PL services include fulfillment, warehousing, storage, kitting, and more. Bluestem and Fingerhut have been a St. Cloud employer of choice for over seven decades. We are proud to carry on that commitment, and look forward to serving this community for many generations to come. Connect with us to learn how we can help you grow your business.

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75 YEARS OF MASTERING THE ELEMENTS As we wrap up 75 years in business in Central Minnesota, we acknowledge all of the people who made this milestone possible. Thank you to the customers, employees, partners, and community members who’ve impacted our success for over five generations. We’re excited to continue that momentum as we embark on the next chapter of McDowall Company.

MCDOWALLCO.COM 320-251-8640

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Cover Story

STAYING NIMBLE Momentum Truck Group President Jon Pearson is always looking down the road

46 REPRESENTATION MATTERS Embracing diversity, equity and inclusion in your marketing initiatives can boost your company culture and your ROI.

GROW

for unexplored routes.

NETWORK

54 8 UPFRONT Valuable information designed to guide and educate

30 BUSINESS TOOLS Useful tips and intelligence on how to continue to grow your business

21 2024 CENTRAL MINNESOTA FARM SHOW St. Cloud hosts the region’s largest indoor show, highlighting the enduring significance of agriculture as a leading industry in the area.

ONLYONLINE BUSINESSCENTRAL MAGAZINE.COM

• Small Business Bookkeeping 101

54 BUSINESS SPOTLIGHT Travis Theis, Dick’s Nuisance Animal Control

• Positive Business Habits = Success • How Online Reviews Impact Small Business • Embrace your Employee’s Side Hustle

ON DECK

COMI N G I N M A RC H : Commercial Construction; Women in Manufacturing Directory Are you interested in advertising? Contact Melinda at melindav@businesscentralmagazine.com to find out more!

Main Phone: 320-251-2940 / Automated Reservation Line: 320-656-3826 Program Hotline: 320-656-3825 / information@StCloudAreaChamber.com StCloudAreaChamber.com President: Julie Lunning, 320-656-3804 Director of Finance and Operations: Bonnie Rodness, 320-656-3806 Director of Programs & Events: Laura Wagner, 320-656-3831 Director of Marketing & Communications: Emily Bertram, 320-656-3809

Director of Downtown Planning & Development: Tyler Bevier, 320-656-3830 Director of Member Engagement: Antoinette Valenzuela, 320-656-3834

CONVENTION & VISITORS BUREAU STAFF ____________________________ Main Phone: 320-251-4170 Executive Director: Rachel Thompson, 320-202-6728 Director of Sales: Nikki Fisher, 320-202-6712 Sales Manager: Sumer Hager, 320-202-6713 Sports Director: Craig Besco, 320-202-6711

Administrative Assistant/Network Administrator: Vicki Lenneman, 320-656-3822

Marketing Manager: Lynn Hubbard, 320-202-6729

Administrative Assistant: Shelly Imdieke, 320-656-3800

Administrative Assistant: Melissa Ludwig, 320-202-6770

Marketing & Services Coordinator: Olivia Way, 320-202-6713

EDITOR’S NOTE

Momentum Tr uck Group’s Jon Pearson and Editor Emily Ber tram discuss corporate culture.

What’s Next?!

hen I was about 8, I had a purple Game Boy

help teachers tailor lesson plans based on how different

Color that I played Pokémon Yellow on until the

students learn. The uses in marketing are endless, from

wee hours of the morning. I was in seventh grade when I

data analysis to ideation; from customization of ads to

got my first cell phone, a flip phone (with a monochrome

creative generation. Plus, AI can assist in many ways

screen and no camera) that was mostly used on the

with general business procedures, from streamlining paperwork processes to

school bus for intense

detecting cybersecurity risks

games of snake. At about 16 years old, I got an iPod Mini that I loaded with

AI applications are endless, only bound by the user’s imagination.

within an organization. Heck, I even consult ChatGPT as an idea generator

(completely legal) song

on occasion when I’m faced

downloads from LimeWire and listened to all day. Freshman year of college, I

with writer’s block. It never ceases to amaze me, even

invested in my first digital camera – a Sony Cyber-shot

with my often ambiguous and poorly worded prompts.

that I carried with me everywhere. It was about 2011 that I got my first iPhone, and the

These days, change happens fast, and if you’re not adapting and growing with that change, you’re falling

way I used electronics changed forever. In a matter of a

behind. Jon Pearson with Momentum Truck Group knows

few years, I no longer needed my iPod, camera, or even a

a lot about change. He has led the organization forward

gaming system. Since then, the development of new tech

through many new chapters, and continues to find ways

has compounded even faster. It’s hard to imagine what

to innovate and embrace new trends. You can read more

could come next! At least it was, until accessible

about his story on page 40.

AI entered the scene. About a year ago at a Business After Hours I was talking to Clint Lentner, director of IT for Northland

I couldn’t resist. I asked ChatGPT to write my closing paragraph, and here’s what it said: “As technology continues its relentless pace of

Capital. The topic of artificial intelligence came up, and

evolution, the transformative power of AI emerges as

I told him I was toying with the idea of including a piece

a beacon, illuminating a future where the boundaries

about it in Business Central Magazine, but I wasn’t sure

of innovation are limitless. In this dynamic landscape,

how relevant it would be to business. Imagine that!

embracing the potential of artificial intelligence becomes

At the time, ChatGPT was new to the market and used

not just a choice, but a decisive step towards shaping a

by very few people.

world defined by unprecedented possibilities.”

Fast-forward to one year later, and it seems that you can’t read a headline that doesn’t include a nod to AI.

By the way, we did include a piece on AI in the May/June 2023 issue. Just call us trendsetters.

The applications are endless, only bound by the user’s imagination. It has the potential to totally change how some industries are doing business. In healthcare, AI is used to diagnose symptoms, and it has serious life-saving potential. In education, it can

BusinessCentral Magazine.com // J A N U A R Y/ F E B R U A R Y 2 0 2 4

Until next time,

ST CLOUD AREA CHAMBER OF COMMERCE 2023-24 BOARD MEMBERS ____________________________ Nick Bischoff, Design Electric Publisher Julie Lunning // Editor Emily Bertram Founding Editor Gail Ivers CONTRIBUTING WRITERS Emily Bertram, St. Cloud Area Chamber of Commerce Jim Gruenke, Traut Companies Dr. Fred E. Hill, St. Cloud State University Vicki Johnson, St. Cloud Area Planning Organization Ari Kaufman, freelance writer Lynn MacDonald and Adina Arshad, St. Cloud State University Jeanine Nistler, freelance writer Alexa Sandbakken, Stearns History Museum Chad Staul, Quinlivan & Hughes PA

ADVERTISING Associate Publisher/Sales Melinda Vonderahe, Marketing Consultant

1411 West St. Germain Street, Suite 101, St. Cloud, MN 56301 Phone (320) 251-2940 Fax (320) 251-0081 BusinessCentral Magazine.com

Ad Traffic & Circulation Yola Hartmann, Hazel Tree Media

For advertising information contact Melinda Vonderahe, (320) 656-3808

ART Design & Production Yola Hartmann, Hazel Tree Media

Editorial suggestions can be made in writing to: Editor, Business Central, 1411 West St. Germain Street, Suite 101, St. Cloud, MN 56301 or emailed to ebertram@ stcloudareachamber.com Submission of materials does not guarantee publication

Cover Story Photography Guytano Magno, Switchboard WEBSITE Vicki Lenneman, St. Cloud Area Chamber of Commerce

Ron Brandenburg, Quinlivan & Hughes Doug Cook, Headwaters Strategic Succession Consulting LLC. Tanja Goering, Celebrate MN, Board Chair Joe Hellie, CentraCare, Board Vice Chair Ray Herrington, Pioneer Place on Fifth Patrick Hollermann, InteleCONNECT Hudda Ibrahim, Filsan Talent Partners Kevin Johnson, K. Johnson Construction, Past Board Chair Matt Laubach, West Bank Laurie Putnam, St. Cloud School District 742 Paul Radeke, BerganKDV Brenda Sickler, Theisen Dental Melinda Tamm, Ms. Melinda’s Dance Studio Melody Vachal, Arise Cares Donella Westphal, Jules’ Bistro Dr. Jason Woods, St. Cloud State University

© Copyright 2024 Business Central LLC. Business Central is published six times a year by the St. Cloud Area Chamber of Commerce, 1411 West St. Germain Street, Suite 101, St. Cloud, MN 56301. Phone (320) 251-2940 / Fax (320) 251-0081. Subscription rate: $18 for 1 year.

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UPFRONT GROW | NETWORK | PROFIT

N E WS & P EO P L E T H AT M A K E U P T H E C H A M B E R N E T W O R K

I N S I D E T H I S I S S U E : People to Know / Digging H is to ry / Yo u r Vo ice in Govern me n t / T h e Tro u b le w it h B us i ne ss BOOK REVIEW

NEWS REEL

Step One: Begin You will never get where you want to go unless you have faith in the universe. By Dr. Fred Hill From the dust jacket: “Leveraging the Universe is about using the gifts of thought, word, and deed to

harness an infinite grace that tirelessly strives to sweep you off your feet, surround you with friends, and create the life you most want. It’s about doing the least to get the most; learning the truth and then living it, so that the kingdom, the power, and the glory can be revealed before your very eyes as you discover your holy place in creation as a creator yourself.”

SCSU professor receives honor St. Cloud State University professor Dr. Christopher Lehman received the inaugural Ruth

“Leveraging the Universe… challenges [readers] to harness the world around them as a force for positive change. [Author] Dooley embraces spiritual concepts that fall into New Age categories, but he manages to eschew the ethereal trappings of a guru.” —Publisher Weekly

Riester Award for Historical

Lehman’s contributions to the

he book consists of seven chapters, each of which reveals a power. They are:

“seeing and feeling” your hopes.

Chapter 1: Understand your Power. Understand the

Learn what you want your beliefs to become.

nature of your reality, because understanding banishes doubt.

Chapter 6: Engage the

Chapter 5: Align your Beliefs.

Magic. Pay attention to the Chapter 2: Chart your Course.

Taking stock of the present unlocks future possibilities.

unpredictable and change as needed. Chapter 7: Adjust your Sails.

Chapter 3: Take Action and Delegate. Knowing what you

can do, should do, and must not do. Chapter 4: Leverage the Universe. In having a vision,

playfully use your thoughts, words, and deeds to enlarge

Learn how to adjust and stay on your course. The preface writer says Dooley’s book “creates a bridge for those still immersed in old-school methodologies of changing their lives, such as simple goal setting and positive thinking, and offers some new-school

approaches to consider, using an objective, sequential approach to harnessing life’s magic and the innate supernatural within us all.” In chapter 6, Dooley defines the magic: Starting is a physical demonstration, the ultimate act of faith that leverages the universe and engages life’s magic because it says I am on my way, and I intend to finish. Dr. Fred E. Hill is an emeritus professor at St. Cloud State University.

Contributions to the Humanities by the Minnesota Humanities Center (MHC). The award honors field of Minnesota history through research, publications, teaching and public engagement. Lehmen serves as chair and professor of Ethnic Studies at SCSU.

Initiative Foundation names new president Brian Voerding is the new president of the Initiative Foundation. Voerding was vice president for inclusive entrepreneurship at the foundation since June 2021. Before that, he founded and served as the executive director of Engage Winona, a social-change nonprofit serving the greater Winona area. ––––––––

Got News? Send news releases, announcements, or anything you think is newsworthy to Emily, ebertram@stcloudareachamber.com,

Leverag i ng t he Univ e r se; 7 St e ps t o En gagin g L ife’s Magic;

and we will try to include it

M i ke Do o ley, 2 01 1 , Atr ia Bo o ks, N Y, ISBN 9 78 -1- 58 270 -3 14- 5

in Business Central.

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POINT OF VIEW

Business Central asked: If you could instantly become an expert at any activity or hobby, what would it be?

Dana Randt, St. Cloud State University

Heidi Chandler, Tractor Supply Company

April Good, AMG Promotions & Apparel

Jeremy Johnson, Frandsen Bank & Trust

Eric O’Brien, Commercial Realty Solutions

Golfing. I would like to golf more with my husband and it’s also a good skill for work events.

Gardening. I could provide for my family, plus I could grow pretty things to enjoy.

Pickleball. It’s a great workout and it’s really fun!

I think it would be really cool to be good at ballroom dancing.

I would love to be an expert in cryptocurrency.

––––––

Brenda Eisenshenk, InteleCONNECT Inc.:

––––––

I would like to be an expert on how to stop all ransomware to keep individuals and businesses safe.

Grit. Fortitude. Spunk. Moxie. Fearless Strategy. Bold Creative. moxiecreative.com

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NETWORK

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NEWS REEL

YOUR VOICE IN GOVERNMENT

Ortega to lead Tri-County Humane Society

From St. Cloud to St. Paul

Marit Ortega has been named executive director

Minnesota Commissioner of Education Willie Jett reflects on his time with District 742 and the future of education in Minnesota.

of the Tri-County Humane Society. She will succeed Vicki Davis, who retires in February 2024. Ortega served in a variety of roles at the shelter from 2002 to 2018. She recently served as director of development and director of “The Campaign for Cathedral” through the Catholic school system.

CLA announces career advancements CLA (CliftonLarsonAllen LLP) announced career advancements for professionals across the country, including three in St. Cloud. Chloe Nimens was named principal in employee benefit plans, Kirstin Doughan was named signing director in employee benefits plans, and Andrew Ostlund was named principal in wealth advisory. The advancements were effective November 1.

Hokanson completes CPA exam Schlenner Wenner & Co.’s Alex Hokanson has completed all parts of the CPA exam. Hokanson holds a Bachelor of Science degree in accounting from St Cloud State University. He joined the firm in January 2021 at the St Cloud office and assists with audits and reviews with the nonprofit audit team.

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Business Central: How did your experience in the St. Cloud school district prepare you for the role of commissioner? Commissioner Jett: Throughout my career, I have had the privilege of working with diverse groups of educators, students, and parents, gaining a deep understanding of the complexities and challenges within our education system. As a school principal and district administrator, I honed my skills in developing curriculum, supporting teachers, and fostering a positive learning environment. These experiences taught me the importance of collaboration, effective communication, and data-driven decision making. Furthermore, my experience in leading education initiatives at the local level has provided me with insights into the unique needs of various communities, which will be invaluable as I work with our Minnesota Department of Education team, legislators and the governor to shape education policies and programs at the state level.

BC: What are some of your priorities as we enter the 2024 session? Jett: My priorities are twofold: First, to focus on

tools they need to be successful contributing members of our communities. And we must develop partnerships – with families, with higher education, with you, our business community and employers – to support the growth and development of our future workforce and communities. implementing, supporting, and closely monitoring the recent education legislation to ensure its successful integration into our education system. Second, I am committed to supporting legislative efforts that aim to raise outcomes for all Minnesota students. Our goal is to provide an equitable and inclusive education for every child, regardless of their background or circumstances. By addressing these priorities, we can make significant strides in improving our state’s education system and ensuring that every student has access to the quality education they deserve. How do you see your work impacting the workforce? Jett: We must help students plan for their futures as part of Minnesota’s workforce. We must give them the

What are some challenges you see on the horizon for education in the state of Minnesota? Jett: First and foremost, the state is grappling with shortages of qualified teachers and other crucial workforce members, which can hinder the delivery of quality education. Cybersecurity has emerged as a growing concern in our digital age, with schools needing to safeguard sensitive information and maintain a secure learning environment. Additionally, the state is committed to improving equitable outcomes for all students, addressing disparities based on race, income, and geographic location. Despite these challenges, we believe that by working together, we can and will overcome them.

What are your thoughts concerning education in the St. Cloud area? Jett: I firmly believe that the state of education in St. Cloud is in good shape, with dedicated educators and leaders supporting students from birth to 99, and working tirelessly to improve student outcomes and experiences. This community’s commitment to innovation, inclusivity, and student well-being ensures that the future of education is in good hands. Anything else you want to add from a local and/ or state level? Jett: I would just like to say that I’m immensely grateful for the partnership of organizations such as

the St. Cloud Area Chamber of Commerce and other engaged stakeholders in this community who continue to support public education. Your unwavering

commitment to our schools plays a vital role in ensuring that our students have access to the resources and opportunities they need to succeed. These

partnerships foster a sense of shared responsibility and a collaborative approach to improving education, and I’m thankful for each of you.

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DIGGING HISTORY

Second Sweden The impact of Swedish immigrants in the late 1800s is still felt in St. Cloud and around Minnesota. By Alexa Sandbakken

St. Cloud Rox give back to the community The St. Cloud Rox Project S.A.V.E. Foundation was recognized as the Northwoods League Community Program of the Year for the second season in a row. The foundation benefits youthrelated activities involving sports, arts, volunteerism, and education initiatives. The Rox raised more than $156,000 in 2023.

ATS welcomes new leadership Troy Dessert joined Anderson Trucking Service as the vice president and general manager of ATS Inc., the dry van division of Anderson Trucking Service Inc. With more than 30 years industry, Dessert previously worked at C.R. England and Swift Transportation. Dessert assumed his new role in October.

CentraCare physician receives honors Larry Hook, MD, physician specialty director and medical director of EmPATH, was honored by the Minnesota Medical Association (MMA) with the President’s Award, recognizing those who have given much of their free time to help improve the association. Dr. Hook was nominated for his role as a leader who conducts himself with the utmost integrity, citizenship and dogged dedication to the wellbeing of others.

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n 1850 Sweden, crops were failing and the class system was oppressive. Seeking greater opportunity and more freedom, almost 25 percent of the population of Sweden – 1.25 million people – came to America by 1930. Because of its natural beauty, many immigrants settled in Minnesota. So many settled in the Chisago Lakes area that it became known as Swedeland, USA. Others came to St. Cloud, while still more continued to the northwest since there was no Swedish church in St. Cloud. Those who traveled north found work in logging and mining.

Twenty-three Swedish families came together in February 1883 to form Salem Lutheran Church in east St. Cloud. Interpreted as “Land of Peace,” Salem Lutheran Church was located on Wilson Avenue Northeast, just north of East St. Germain Street. After the church was completed in 1884, the families built a schoolhouse at 1538 Ninth Avenue Southeast. Called the Seventh Ward School, it opened in 1885. This school served Swedish children in the first four grades, after which they attended Lincoln School, part of the St. Cloud School District.

St. Cloud’s Swede Hollow map

More and more Swedish immigrants came to St. Cloud, including skilled granite workers. By 1900, many of Salem Lutheran Church’s members worked at the Breen and Young Quarry, located near what is now the Minnesota Correctional Facility. Many Swedish immigrants settled in a three-block area around 11th Avenue Southeast near what is now Selke Field. That area became known as “Svenska Dalen,” or “Swede Hollow,” even though it was located more on a hill than

Courtesy of Stearns History Museum

experience in the transportation

NEWS BRIEF

a valley. The 1905 census recorded 1,020 Swedish people in St. Cloud. Swedish immigrants in St. Cloud would send letters to their families back home, telling them of everyday life. Their “second Sweden” was rich with resources and friends that were like family in their close-knit groups. The women of Swede Hollow often spent afternoons together. In the morning, the host would prepare Swedish rolls, cold cuts and sauces, and gather nuts from nearby hazel bushes. Yellow and white lady’s slipper flowers would decorate their tables. After the

gathering, the women would complete chores such as weeding the garden, picking fruit, and carrying pails of water from the community well, according to author Thaspena Gaples. When the ice on the river melted in spring, men began rolling logs from Brainerd down the river to the sawmills in Minneapolis. Many Swede Hollow families would gather at the river to watch the log drivers. Other times they would go to the river to fish. On many summer evenings you could find families gathered around fires built on the bank of the river, with both adults and

children sipping coffee and eating meals while taking breaks from fishing. The impact of these Swedish immigrants is still felt today, as Minnesota is the “most Swedish” state in the United States. In the 2020 census, 7.3 percent or around 410,000 people in Minnesota claimed to have Swedish ancestry. In 1920, around 1 in 5 people in Minnesota were foreignborn. A century later, it is around 1 in 12.

Local company, driver receive national recognition Brenny Specialized Inc. received a Platinum award by Great West Casualty. The National Safety Awards program recognizes motor carriers in similar operations (truckload and less than truckload), with awards based on their year-end

Alexa Sandbakken is the managing editor at Stearns History Museum.

preventable crash results.

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DO IT NOW!

Preferred Credit earns award

You Belong Here

Preferred Credit Inc. (PCI) was honored with the 2023 Trusted Leader Award. Established by

Overcoming imposter syndrome can make your days easier and more enjoyable.

David Horsager, author of The Trust Edge and Trusted Leader, this award recognizes and celebrates organizations that actively continue to build trust.

SCTCC program earns designation St. Cloud Technical & Community College (SCTCC) program achieved a Center of Academic Excellence in Cyber Defense designation at the 2023 National Cyber Education Colloquium by meeting stringent requirements set by the National Security Agency, signifying a commitment to producing cybersecurity professionals dedicated to enhancing national infrastructure security.

Degerstrom to lead Stearns History Museum Amy Degerstrom, with over 20 years of experience in the nonprofit sector and an Master of Arts degree in Art History and Museum Studies from Ohio State University, assumed the position of executive director at Stearns History Museum in November. Learn more about Degerstrom on New at the Top, page 17.

Local nonprofit renovates building Goodwill-Easter Seals Minnesota completed renovations on its building at 50 Second Ave. S, Waite Park. Renovations include an expanded conference room to better serve its career services program and updated lighting, paint, signage and bathrooms to improve the shopping experience.

BusinessCentral Magazine.com // J A N U A R Y/ F E B R U A R Y 2 0 2 4

ou’ve dedicated hours to internships, resume builders, entry-level jobs and volunteer opportunities. You’ve rubbed elbows, built networks, put yourself out there and finally landed your dream job. A few days in to your new role, you start to hear a voice in your head. You are not qualified for this position. You don’t deserve to work for this company. You are going to let down your team. You’re a phony. You may also feel like you’re tricking your coworkers into thinking you’re good at your job, or that you were only hired out of luck. In short, you feel like an imposter. What you are experiencing is called imposter syndrome. Imposter syndrome is

a feeling of inadequacy, selfdoubt and low confidence at work. Today, 65 percent of professionals suffer from imposter syndrome, according to a study by market research technology firm, InnovateMR. Imposter syndrome affects all types of workers, from new hires to seasoned executives. Howard Schultz is the former CEO of Starbucks. “Very few people, whether you’ve been in that job before or not, get into the seat and believe today that they are now qualified to be the CEO,” Schultz told the New York Times. According to Dr. Valerie Young, internationallyrecognized expert on impostor syndrome, there are typically five types of imposters. 1.The perfectionist has anxiety over how things are done. 2.The expert fears a lack of knowledge. 3.The soloist feels pressured to handle things alone. 4.The natural genius stresses over not succeeding on the first try. 5.The superhuman feels guilty if they don’t please everyone. No matter the type, imposter syndrome can be debilitating at work. The desire to outperform and overcompensate for feelings of inadequacy can lead to poor work/life balance and burnout. So how can you combat it? Find your people. You are not alone in

your feelings. Surround yourself with a group of coworkers, friends or other professionals who allow you to share your

insecurities in a safe space. Allow them to give you gentle feedback so you can stop wondering what they’re thinking of you. If possible, find a mentor who can give you practical advice and support. ––––––– Gather evidence. Take note of positive feedback you receive, or accomplishments you have. Look back at projects you have completed for evidence that you do know what you’re doing. Keep track of everything so you can reflect on it the next time you have feelings of self-doubt. ––––––– Acknowledge your feelings. Even if your low confidence is based off of incorrect

information in your mind, those feelings are valid. Acknowledge them, validate that it’s okay, and then let them go if they aren’t true. Even if your feelings are grounded in some truth, reframe your thoughts so you’re not so hard on yourself. Everyone makes mistakes. On the flip-side, InnovateMR’s research showed that only 5 percent of employers directly address imposter syndrome with their staff. If you are a manager or supervisor, don’t forget to communicate openly with your staff and check in frequently. Share feedback often, and foster employees’ career growth interests. —EB

GOOD TO KNOW

Would you opt-out?

or years we have operated under the collective understanding that social media is free to use because it is funded by billions of dollars in ad sales. But times are changing. Users of Facebook and Instagram in Europe will have the option to opt-out of targeted ads if they pay a subscription fee. The move comes as

technology companies seek ways to satisfy European Union regulations that limit the use of personalized ads. Users can continue to use the platforms for free with ads, or purchase a subscription plan to remove ads from their social media experience. In the age of the subscription model, this feels like a long time coming.

STRONG AT HEART

Among the Nation’s Best

Fortune magazine and PINC AI™ named CentraCare – St. Cloud Hospital one of the nation’s 50 Top Cardiovascular Hospitals™. These hospitals deliver higher survival rates, fewer complications and lower costs in heart surgery, heart failure and heart attack care. Nationally acclaimed heart care is right here — for you. Learn more at CentraCare.com.

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PEOPLE TO KNOW

St. Cloud Hospital celebrates 5th Magnet redesignation

Leaders Among Us Get to know these influential people in your community

St. Cloud Hospital achieved a fifth Magnet redesignation, an honor from the American Nurses Credentialing Center’s

RACHAEL SOGGE Eyecon Graphics

The designation distinguishes

(320) 237-3695 • rsogge@eyecongraphics.com Chair, Marketing Committee –––––––––––

health care organizations that

The Marketing Committee is responsible for the overall marketing

meet rigorous standards for

efforts of the Chamber of Commerce, including communication

nursing excellence.

materials, advertising, publications, the website, promotional

St. Cloud Hospital is now one

programs, and organizational research.

Magnet Recognition Program.

of only 43 organizations in the world that has achieved a fifth redesignation.

Starin honored for Baby’s on Broadway success

PATRICK HOLLERMANN InteleCONNECT Inc.

Adelle Starin, owner of

(320) 227-3938 • patrick@inteleconnect.net Chair, Chair Development Committee –––––––––––

Baby’s on Broadway, was a

The Chair Development Committee is responsible for bringing together

2023 honoree at the

all of the chairs and vice chairs of other committees to strengthen

Entrepreneur Fund’s inaugural

communication, interaction, recruitment and leadership skills.

Distinction Awards, celebrating the small businesses that are the driving force behind regional economic growth. Starin was recognized for her expansion

STEVE GOTTWALT Steve Gottwalt Consulting

equipment, successful store

(952) 923-5265 • steve@gottwaltconsulting.com Chair, Government Affairs Committee –––––––––––

expansions and establishing a

The Government Affairs Committee researches legislative issues,

national network for mothers.

makes recommendations to the Board of Directors regarding

into a national market as a retailer for durable medical

legislative policy positions, organizes trips to the Capitol and

SCSU reports enrollment increase

legislative updates during the session, and maintains contact with area legislators and other elected officials throughout the year.

Enrollment numbers are up at St. Cloud State University for the first time since 2015. The university reported that its fall

DOUG COOK Headwaters Strategic Succession Consulting LLC

and that the university has seen

(651) 333-2170 doug.cook@headwatersstrategic.com Chair, Business Development Council –––––––––––

an increase of 7.7 percent in

The purpose of the Business Development Council is to

full-time enrollment of both

provide training and education for Chamber members and

undergraduate and graduate

their employees to help their businesses grow and thrive.

students.

Programs include Lunchtime Learning, and a variety of seminars,

enrollment for the 2023-2024 academic year is staying strong at more than 10,000 students

workshops, and certificate programs.

BusinessCentral Magazine.com // J A N U A R Y/ F E B R U A R Y 2 0 2 4

Ask for

N E W AT T H E TO P

Amy Degerstrom Age: 45 New Title: Executive Director,

Stearns History Museum (SHM) Previous position:

Development Director and Interim Executive Director When did you start at the Stearns History Museum?

I started working for SHM in January of 2019 as the development director. What is something that you really enjoyed in your previous position?

The development director position allowed me to meet our members, donors, and community partners around Stearns County, which was a great introduction to the region because I am not from the area. I enjoyed working with our staff and board to steward and build new relationships and partners for the museum.

What are you looking forward to the most in your new position? I’m looking

forward to continuing to nurture and grow partnerships and to support and promote the excellent work of the staff and volunteers at the museum. I’m eager to find more ways to connect us all to our shared past, and strengthen the future of history in Central Minnesota. Where did you grow up?

I grew up in Ada in northwest Minnesota, population 1,800. I was raised on a farm, was active in 4-H, and volunteered with my grandmother and mother at the local historical society from a young age. What are your hobbies?

I love reading, going to plays and concerts, and playing with my kids!

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I once worked in a Polar Archives at Ohio State University, where I digitized photos of polar expeditions around the world, particularly those of Admiral Richard E. Byrd. My department included giant ice cores from every polar region on the planet! J A N U A R Y/ F E B R U A R Y 2 0 2 4 // BusinessCentralMagazine.com

NETWORK

UPFRONT

THE TROUBLE WITH BUSINESS

The Do’s and Don’ts of Employee Handbooks Employee handbooks are a crucial tool for employee communication. Is yours up to date? By Chad Staul

because it sets the tone for the ongoing employer-employee relationship. Following are a few of the “must have” topic areas for employee handbooks in Minnesota and the do’s and don’ts associated with them. This does not, of course, cover every possible topic area that may be contained in an employee handbook. However, it does provide some basic information for consideration.

mployee handbooks have evolved over the years. No longer are they simply a handy and effective tool for putting employees on notice of workplace rules. Today they are a crucial document for informing employees of certain rights and responsibilities under the law.

To be effective, employee handbooks should serve two important purposes. First, they must clearly communicate the employer’s expectations. Second, they must inform employees about certain rights they have under the law, while still protecting the employer from liability. As a result, an employee handbook’s language is now more important than ever

Contract Disclaimer/ Employment At-Will DO expressly, and conspicuously, state that the policies and provisions in the handbook are not intended to create a contract between the company and its employees. DO NOT revise or modify existing handbooks or policies without expressly revoking all prior handbooks or policies and communicating this to employees. DO use limiting language to prevent your employee handbook from inadvertently changing an employee’s at-will relationship. DO NOT use harsh language when drafting the employment at-will clause. At-will employees are not in any way less important or less valuable as compared to contract employees.

Contributor ________ Chad A. Staul is an attorney at Quinlivan & Hughes, P.A., and sits on the employment, medical malpractice, and trust litigation teams.

BusinessCentral Magazine.com // J A N U A R Y/ F E B R U A R Y 2 0 2 4

Discrimination/Harassment DO be sure to have an Equal Employment Opportunity statement informing that the employer is aware of its obligation not to discriminate based on protected classes. DO include an antiharassment policy that provides a clear and concise reporting mechanism for employees to follow. DO NOT implement a policy that employees may find difficult to understand or apply. Employee Benefit and Leave Provisions DO NOT include overly detailed descriptions of employee benefits, without a disclaimer deferring to summary plan descriptions. DO NOT provide a benefit policy for something the employer is not obligated, and does not intend, to provide. For example, a small employer that inadvertently includes an Family & Medical Leave Act (FMLA) policy. DO ensure that paid time off or vacation policies comply with Minnesota’s recently enacted Earned Sick and Safe Time Law. Employer/Employee Relations DO ensure you are aware of, and include, any legally required policies that must be contained in an employee handbook. For example, an employee handbook must contain a proper wage disclosure allowing employees to discuss their wages as required

An employee handbook’s language is now more important than ever because it sets the tone for the ongoing employer-employee relationship.

under Minnesota’s Women’s Economic Security Act. Disciplinary Policies and Procedures. DO have a policy that informs employees of actions or behaviors that can lead to disciplinary action or termination. DO NOT use a progressive disciplinary policy that is not followed, or that does not

provide discretion for the employer to deviate. Again, the purpose of an employee handbook is to introduce employees to the company and to familiarize them with guidelines affecting them and benefits offered to them. Although employee handbooks should be tailored to fit a particular employer’s workplace, industry, and culture, the employee handbook

stands as the first line of communication to establish quality employer/employee relationships. When drafting or reviewing the handbook, keeping in mind the above, as well as the following universal principles, can help alleviate confusion or miscommunication. • Include legally required notices and provide legal protection for the employer. • Clearly communicate basic policies and procedures. • Provide written policies to ensure consistency in application. • Contain only policies necessary to understand company rules and benefits.

• Provide employees with a clear reporting mechanism for workplace concerns. • Keep the employee in mind and write in a clear, easily understood manner. Review or revision of employee handbooks tends to be a low priority project, and as a result the employee handbook can quickly become outdated and no longer reflect the company’s culture or comply with new legal requirements. If you are in the process of drafting, revising, or simply reviewing your employee handbook, contact a trusted attorney to assist you.

WITH US

J A N U A R Y/ F E B R U A R Y 2 0 2 4 // BusinessCentralMagazine.com

SMART BUSINESS: MOXIE CREATIVE

OUT WITH THE OLD, IN WITH THE BOLD.

Moxie Creative encourages clients to make big creative moves for an even bigger payoff

mall businesses ______ take risks Standing: Mo Philippi, everyday. But Isabella Severson, when it comes to their Taylor Sellnow. marketing, many small Seated: Brittany Abrego, businesses are still Kelly Cane, Michael Nelsen. taking their cues from Photography by Schadow Creative. their competitors. The ______ result? A sterile, bland marketplace where nothing and nobody “Five of the six of stands out. us worked together Moxie Creative is at Gaslight, and the setting out to change newbie, Isabella, is like a this. daughter to me. We have “We get it. As a genuine chemistry, Minnesotans, we’re and we channel that modest. We don’t like chemistry into doing our to brag or call attention to The boldness we nurture comes from best work for our clients.” ourselves,” says Michael According to Kelly, each Nelsen, Moxie’s creative within. It’s the courage to step out of your Moxie has several areas of director. comfort zone and let the world experience specialty, allowing them “But playing it safe when to perform all creative it comes to your marketing how awesome your brand is. and project management runs the risk of being in-house. They are also forgettable. We encourage proud to represent three our clients to lean into what generational points of view. creative, the Moxies are actively working makes them unique and creatively shout it “We believe our own experiences and to produce these WOW moments for their from the rooftops.” perspectives make us better marketers; we clients everyday. Moxie’s award-winning team believes welcome collaboration internally and with “A little creative risk can go a long small businesses can benefit from creative our clients.” way,” says Kelly. “We give our clients the risk-taking just as big brands do. Moxie Creative’s service offerings range courage to think big and the confidence “When we encourage our clients to be from marketing consulting, branding to shine bright.” bold, we don’t mean in the literal sense of services, video, and website development to garish, in-your-face design. The boldness we full-service digital marketing. The team acts Meet the Moxies nurture comes from within. It’s the courage as an outsourced marketing department on Kelly has been helping Central Minnesota to step out of your comfort zone and let the behalf of several local and national clients. businesses grow through smart marketing world experience how awesome your brand They also take on several branding and initiatives for nearly three decades, is,” explains Kelly Cane, Moxie’s founder. website projects each month. most recently as the co-founder of “It’s fearlessly fulfilling your brand’s “We’re here because we love what we Gaslight Creative. With her new agency, potential without apologies,” adds Michael. do, and we believe in the power of small she’s assembled a team of veterans who have By combining proven marketing businesses,” says Kelly. • dedicated their careers to doing the same. principles, innovative solutions, and bold

“

Moxie Creative

713 West Saint Germain Street, Suite 200 • 320.310.0065 • www.moxiecreative.com

_______

Moxie Creative is an award-winning advertising agency specializing in branding, packaging, websites, and digital marketing. Led by founder Kelly (Zaske) Cane, formerly of Gaslight Creative, the agency is driven by a team of familiar and experienced marketing professionals who have dedicated their careers to helping Central Minnesota businesses grow.

BusinessCentral Magazine.com // J A N U A R Y/ F E B R U A R Y 2 0 2 4

SPONSORED PROFILE

CENTRAL MINNESOTA

FARM SHOW RIVER’S EDGE CONVENTION CENTER

––––––– FEBRUARY 27-28 PRODUCED BY THE ST. CLOUD AREA CHAMBER OF COMMERCE

CENTRAL MINNESOTA

FARM SHOW

Welcome to the Central Minnesota Farm Show! TRAVIS THEIS Dick’s Nuisance Animal Control of St. Cloud (320) 252-5259 Co-Chair, Central Minnesota Farm Show Committee

ALLEN BRINKMAN Forever Young Two Wellness and Skincare (763) 272-1500 Co-Chair, Central Minnesota Farm Show Committee

LAURA WAGNER St. Cloud Area Chamber of Commerce (320) 656-3831 2024 Farm Show Coordinator

he Central Minnesota Farm Show, brought to you by the St. Cloud Area Chamber of Commerce, is the largest indoor show of its kind in the region. Why does such a show exist in this growing metropolitan area? Because agriculture is still one of the area’s leading industries! The St. Cloud Metropolitan Statistical Area has 1.5 as many people working in farming as other regions. Since opening its doors 50+ years ago, the Farm Show has been a popular community event for Central Minnesota. The show offers something for everyone with an interest in agriculture. In this program you will find a complete map of the show and a list of vendors to help you make the most of your visit. The St. Cloud Area Chamber of Commerce is committed to helping area farmers through organization and sponsorship of the Central Minnesota Farm Show. We also recognize the importance of encouraging the next generation of farmers. As part of our commitment to agriculture and education, each year the Chamber dedicates a portion of the proceeds from the Farm Show to student scholarships. Volunteers have worked hard to put together a show that you will find both valuable and fun. Enjoy your visit, and if you have questions or suggestions, please stop by the information booth. We’d like to hear from you.

Thank you Advocate Sponsor:

Sincerely, Travis Theis, Allen Brinkman and Laura Wagner

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BusinessCentral Magazine.com // J A N U A R Y/ F E B R U A R Y 2 0 2 4

CENTRAL MINNESOTA

FARM SHOW

The Next Generation

Growing the next generation of ag leaders starts here.

areers in agriculture are steeped in misunderstanding when it comes to the exact responsibilities of the job. It isn’t just feeding the livestock and harvesting the crops – this is a fast-paced, innovative, and diverse industry. As we look to the future, the ag leaders of tomorrow are being harvested today. A student with an interest in technology could find success as a programmer for GPS-based precision farming. Someone with a passion for engineering could focus on the efficiency of machinery, pollution and environmental issues or power supply challenges. Those with a focus in biological sciences could thrive in the study of invasive species, plant pathology, entomology and genetics – all of which relate to crop and livestock health. The innovative career opportunities are endless. The St. Cloud Area Chamber is committed to doing its small part to help educate students on the possibilities that

come with a career in agriculture. Each year we dedicate a portion of the proceeds from the Central Minnesota Farm Show to student scholarships. Since 1998 we have funded $98,000 in scholarships. ---------------------

Congratulations to our Scholarship Winners! In 2023 we awarded six $1,000 scholarships. The recipients were: High School Recipients Natasha Erickson, Central Minnesota Christian School Kalie Ritter, Albany Area High School Gabrielle Joos, Hancock High School Joseph Achen, Royalton High School College Recipients Kallie Frericks, University of Wisconsin River Falls Haley Van Nurden, University of North Dakota

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J A N U A R Y/ F E B R U A R Y 2 0 2 4 // BusinessCentralMagazine.com

CENTRAL MINNESOTA

FARM SHOW EXIT

OVERHEAD DOOR

2024 Booth Floor Map Concessions

Exit

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Many thanks to the following sponsors for supporting the 2024 Central Minnesota Farm Show:

BAR

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Feb.28-Mar.1, 2023

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PARTNER SPONSORS

SPECIALTY SPONSORS

CentraCare

AgDirect

Compeer Financial

Benton Sherburne Corn Growers

Farm Bureau Financial Services – Adam Tabberson

Cornerstone Ag Services Inc.

Farmers & Merchants State Bank

First National Bank of Milaca

C7000 C7001 C7002 C7003 C7004 C7005 C7006 C7007

Scholarships Available Again this year, there will be scholarships awarded to both high school and college students. Businesses that are interested in supporting our agricultural scholarship program are encouraged to donate to the fund. The Chamber of Commerce is committed to offering the Central Minnesota Farm Show Agriculture Scholarships to support students who explore fields of study and careers in the agri-industry. –––––––––– For more information, or to apply for a scholarship, visit CentralMNFarmShow.com and click on “Agriculture Scholarships.” –––––––––– APPLICATION DEADLINE IS FEBRUARY 1, 2024

BusinessCentral Magazine.com // J A N U A R Y/ F E B R U A R Y 2 0 2 4

EXIT

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CENTRAL MINNESOTA

FARM SHOW TIDBITS

It’s a Minnesota Thing

Agricultural production and processing in Minnesota plays a huge role in the state’s economy.

4th

Minnesota ranks fourth in the nation in agricultural exports at $9.2 billion worth of goods in 2021.

5th & 7th

Minnesota ranks 5th in crop sales at $12.9 billion and 7th in total agricultural production at $21.3 billion.

$106

Agricultural production and processing industries in Minnesota generate over $106 billion annually in total economic impact and support 388,134 jobs.

BILLION

Source: Minn. Department of Employment and Economic Development

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Stop by and Visit Us at the Central MN Farm Show!

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320-253-1310 | 2150 FRONTAGE RD S | WAITE PARK, MN 56387 320-253-1310 / 2150 FRONTAGE RD S / WAITE PARK, MN 56387 www.AmericanDoorWorks.com 320-253-1310 / 2150 FRONTAGE RD S / WAITE PARK, MN 56387 J A N U A R Y/ F E B R U A R Y 2 0 2 4 // BusinessCentralMagazine.com

320-253-1310 / 2150 FRONTAGE RD S / WAITE PARK, MN 56387

CENTRAL MINNESOTA

FARM SHOW

2024 Exhibitor List by Name A

Boss Supply, Inc.

Adam Tabberson Farm Bureau Financial Services

Brandon Communications

Hotsy Minnesota

Peterson Farms Seed

Power Lodge

ADM Fertilizer

Jordan Ag Supply

Agri Spray Drones

Centra Sota Cooperative

PowerLift Doors by French Manufacturing, Inc.

Century Builders

Agri-Dynamics LLC

PSI Powerwashers, Inc.

All Energy Solar

Channel (Gold Country)

Kitchen Club

Puck Enterprises

Ameribuilt Buildings, Inc.

Compeer Financial

American Door Works

Cutco

RAM Buildings

American Family Insurance- Peichel & Associates, Inc.

Country Acres/ Benton Ag

LeafFilter Gutter Protection

American National Insurance American Pressure AMPI

D Dairyland Supply E EASYFIX USA

Legend Seeds, Inc. LG Seeds Litzau Farm Drainage M Mies Outland

Everlast Industries

Minnesota Agricultural Water Quality Certification Program

Minnesota Farmers Union

Farm-Rite Equipment, Inc

Mustang Seeds

Farmers & Merchant State Bank

Feed Stuff Bagging

Northland Buildings, Inc.

Big Iron

Bongards Creameries

Growers Mineral, Corp

O’Reilly Auto Parts

Anez Consulting, Inc. Arnold’s of St. Cloud AzTech Ag B Benton County American Dairy Association Big Gain, Inc

RDO Equipment Co. Real-Tuff, Inc Renewal by Andersen S St. Cloud VA Health System Stearns History Museum T Talamore Senior Living The Land Magazine

Osakis Silo Repair

2024 Farm Show Keynote Speakers KEITH OLANDER Executive Director of AgCentric

Keith Olander is the executive director of AgCentric, (a Minn. State Agricultural Center of Excellence). He also oversees strategic agricultural partnerships at Central Lakes College as dean of Agricultural Studies. As executive director of AgCentric, Olander’s major responsibilities are to augment the capacity and enrollment in comprehensive agricultural education from K-12, through postsecondary to industry. Workforce development includes building partnerships, developing seamless educational pathways, and informing audiences of the agricultural web that surrounds every person who enjoys a good meal and an environment that is sustainable. 26

BusinessCentral Magazine.com // J A N U A R Y/ F E B R U A R Y 2 0 2 4

CENTRAL MINNESOTA

FARM SHOW

2024 Farm Show Keynote Speakers

BETHANY CROSS Attorney, Rinke Noonan

Iowa native Bethany Cross, has a legal studies degree from Mitchell Hamline College of Law where she received the Wendy Watson and Warren A. Morrow Scholarships. Before Rinke Noonan, she spent eight years as a paralegal in renewable energy. Emphasizing teamwork, problem-solving, and collaboration to her children is vital for Cross, as these basic life lessons have influenced her legal practice, proving their significance even in complex transactions.

HAUBENSCHILD FAMILY FARMS

Haubenschild Farms is a 1,600-acre, family owned and operated dairy farm near Princeton, Minn. Their cows serve in the Miracle of Birth Center at the Minnesota State Fair each year. This sustainable, environmentally friendly farm is home to 2,500 dairy cattle and is operated by a three-generation family. They are passionate about conservation, renewable energy, and food production. Haubenschild Family Farms has been awarded the Commissioner’s Good Farm Neighbor Award and the National Dairy Quality Award for its product and operations.

LUCAS SJOSTROM Part-owner of Redhead Creamery

A graduate of the University of Minnesota’s Animal Science program with a master’s degree in dairy management, Lucas Sjostrom is a respected leader in the dairy industry. Formerly the executive director of Minnesota Milk, Sjostrom and his wife, Alise, also own Redhead Creamery, a dairy farm and cheese-making operation in Brooten, Minn. Since entering the cheese industry in 2014, Redhead Creamery has become an established agritourism destination and added innovative processes and product lines. INTELECONNECT INC.

InteleCONNECT is a full-service telecommunications consulting firm that works with businesses on their local, long distance, VoIP, wireless, internet and cable TV service needs. Locally owned and operated, the InteleCONNECT team is experienced in taking on challenging telecommunication issues and providing real solutions for customers, as well as keeping customers safe online.

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J A N U A R Y/ F E B R U A R Y 2 0 2 4 // BusinessCentralMagazine.com

Heading to the Farm Show?

Come visit Farmers & Merchants State Bank at the 2024 Central Minnesota Farm Show. We’ll be there to talk farming and about our relationship-based banking approach. It has helped our customers, including many local farm families, succeed for generations. Like you, we care about the future of agriculture. We’re here to help you grow. Central Minnesota Farm Show February 27-28, 2024 River’s Edge Convention Center • St. Cloud

Visit us at our booth for a chance to win great prizes! Because friendly still counts.

NETWORKCENTRAL GROW | NETWORK | PROFIT

Grow!

E V E N T S A R O U N D T H E ST. C LO U D A R E A

M O R E O N E V E N T S : Fo r i n f o r m a t i o n o n t h e s e o r o t h e r b u s i n e s s e v e n t s , c a l l 3 2 0 -2 51 -2 9 4 0 o r v i s i t S t C l o u d A r e a C h a m b e r. c o m a n d c l i c k o n “ C a l e n d a r.”

The St. Cloud Area Chamber of Commerce Star Celebration honored the hard work and dedication of Chamber volunteer leaders. Photos by YuppyPhoto

Rachael Lolmasteymaugh, Midwest Manufacturers Association (L); Jodi Gertken, CentraCare; Lance Barthel, Batteries Plus

Tanja Goering, Celebrate MN (L); Kevin Johnson, K. Johnson Construction; Julie Lunning, St. Cloud Area Chamber of Commerce; Bernie Perryman, Batteries Plus

St. Cloud Mayor Dave Kleis; (L); Melody Vachal and JJ Helm, Arise Cares; Patrick Hollermann, InteleCONNECT

Jeremy Salzbrun, H & S Heating, A/C, and Electrical with his award for Waite Park Chamber chair

Star Celebration Planning Committee Back Row: Laura Holzheimer, Central Minnesota Mental Health Center (L); Ann Thelen, Falcon National Bank; Kayla Ward, Doctor’s Park Mental Health Center; Caitlin Heglund, State Farm Insurance - Kyle Hedke Middle Row: Jenna Binsfeld, Newport Healthcare (L); Tina Johanning, Anna Marie’s Alliance; Rachel Layton, Tri County Abstract and Title Guaranty; Laura Wagner, St. Cloud Area Chamber of Commerce Front Row: Melody Vachal, Arise Cares (L); Jason Miller, Premier Real Estate; and Melinda Pederson, Melinda Pederson Coaching

Kris Crandall, AGC Agency and guitarist for the band Kat Blue Kelly Doss, Resiliency Coaching, recipient of the 2023 Shining Star award

Jason Bernick, Bernick’s; Jen Bernick, Gerhardson Chiropractic

(Clockwise from back left) Kris Nelson, Premier Real Estate; Doug Cook, Headwaters Strategic Succession Consulting; Paula Capes, Falcon National Bank; Troy Lenarz, Regional Diagnostic Radiology

Mike Brower, American Family Insurance accepting his award for Chamber Connection chair

J A N U A R Y/ F E B R U A R Y 2 0 2 4 // BusinessCentralMagazine.com

BUSINESSTOOLS GROW

| NETWORK

PROFIT

R ES O U RC ES T H AT H E L P YO U R B US I N ESS G RO W

I N S I D E T H I S I S S U E : Entrepreneu r is m / Doing Go o d / Tec h St rateg ies / Eco n o my Cen t ral by Falco n Ba nk

ENTREPRENEURISM

Save Your Cash Equipment financing helps business owners keep cash in the bank and new equipment in the field. By Ari Kaufman

roper equipment is essential to increasing a company’s efficiency, but allocating your cash for a purchase can be expensive. Many business owners use special financing to obtain their desired equipment. Equipment financing puts a resourceful business on a quicker path to using new equipment and avoiding a high price tag, due to a smaller upfront cost. This saves money that a business may need for other short-term expenses. Equipment financing also allows the borrower to

establish a monthly payment plan to pay for the equipment over time. The businessperson eventually owns the equipment after making a final monthly payment. Most equipment loans include flexible terms ranging from three to seven years and can also have a lower price. St. Cloud and Central Minnesota financial institutions are well-versed in this area. Willis Kleinjan, CEO and founder of Northland Capital, believes that being innovative and adapting to change is an essential way for

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a business to remain successful. “We know cash flow and working capital are needed to keep operations ahead of the curve,” Kleinjan said. “Using low-cost lease and finance options with no down payment allows businesses to save cash and deploy it in other areas to get a higher return on their money.” Kleinjan recommends equipment financing, noting that an unfortunate side effect of paying cash for equipment, or supplying a large down payment on a loan, is that an investment loses immediate value through depreciation. For a company in a cash-flow crunch, that’s cumbersome, since their most important advantage is often an ability to hold onto their cash. Acquiring equipment through a full lease or finance option preserves that cash and moves it to other capital investments that will appreciate over time. “Businesses that can retain their cash and bank lines are in the best position to weather tough business climates or take advantage of opportunities,” Kleinjan said. “Any credit line that can be established or expanded will allow for more breathing room. Some businesses may be profitable, but their cash is tied up in inventory or receivables. Equipment leasing is

an alternative credit source that allows for greater liquidity.” Equipment leasing can also offer tax benefits by immediately including the payment as a business expense, rather than writing off only the interest and the equipment’s eventual depreciation. Lease programs, such as 100 percent financing at $0 down, offer the ability for business owners to have equipment and put it to work, while simultaneously keeping cash in their pockets. Most leasing companies offer flexible terms on new and used equipment, according to Kleinjan, with the opportunity to set up a payment structure that could be the ideal option for a business. A wide variety of industries can benefit from equipment financing solutions, according to Kleinjan. Everything from manufacturing to health care and agri-business to snow removal may find the flexibility of equipment leasing a useful tool in the financial toolbox. A former schoolteacher and historian, Ari Kaufman has worked as a journalist in various roles since 2006. He has published articles in a dozen newspapers and written three books.

DOING GOOD

Compassion, Care & Comfort

rea businesses donate time, talent at Quiet Oaks Hospice. Located on a 10-acre wooded lot just outside of St. Augusta, Quiet Oaks Hospice and Respite Care offers compassionate and comforting care for residents during their remaining days. Many people interact with hospice care at some point. This fall area businesses supported the nonprofit through acts of kindness and volunteerism.

Wherever you go, we’ll be there. SMALL BUSINESS LENDING

EQUIPMENT FINANCE

FULL-SERVICE BANKING

(800) 320-7262 – we answer on the first ring! Get what  you need Member FDIC | Equal Housing Lender

StearnsBank.com/businesscentral

Employees from Affinity Plus Federal Credit Union toured and learned about end-of-life planning at Quiet Oaks. ––––––––

By the numbers. Stearns Bank employees helped finished a landscaping project and baked homemade chocolate chip cookies for residents. –––––––– Two groups of volunteers from Blattner Company worked on a landscape project on the east side of the house. The project has been progressing all summer with multiple volunteer groups contributing. ––––––––

Of Our Work is from Past Clients Who Want to Work With Us Again

22 Local Team Members

$485 Million Worth of Completed Projects in the Last 10 Years

50+

105 Private Partners in the Last 10 Years

205 70+ 100 32 22 Years Serving MN

Years in Business Nationally

Combined Years Experience

K - 12 Projects in the Last 10 Years

Public Partners in the Last 10 Years

Work Completed in

Counties

Please note: We are excited to announce that we have relocated to a larger space to facilitate our continued growth. Our new address is: 23823 67th Ave, Suite A, St. Cloud, MN 56301

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DOING GOOD

Rethinking Sustainability Sustainable business solutions are more effective with creative thinking and strategic partnerships. By Jim Gruenke

fter 40 years in its old location, Traut Companies outgrew its space, and it was time to move. With a new building looming as a major investment, the company recognized an opportunity, and decided to fully examine how a new facility could be constructed sustainably. Its goals included conducting an operation that worked better for the environment, was favorable to new neighbors, could accommodate projected growth, and still help Traut provide customers with the

service they had come to expect. Maintaining healthy profit margins was also imperative. Central Minnesota is fortunate to have a wide variety of sustainability resources. Traut Companies partnered with many of them to achieve its goals. Design ideas from these partners included: Implementing an in-floor heating system instead of the traditional (and less efficient) forced air. Installing a lighting plan that is 100 percent LED, with most

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of it motion activated to reduce needlessly lit space. Covering areas in the material and equipment yard with shredded asphalt, reclaimed from highway resurfacing projects. Moving also inspired better sustainability in the way that Traut manages and operates its fleet of vehicles. • Re-cap tires are now regularly used for trucks, rather than replacing with all new. • Extensive recycling of vehicle fluids and solid materials is now standard, along with more environmentally friendly ways of dealing with the inevitable shop-floor spills of oil, grease and other fluids. Since moving to its new building over a year ago, Traut already sees benefits from the sustainability efforts. Costs for heat and light are significantly reduced from what they had been, the maintenance shop is noticing less waste, and vehicle tire costs have been reduced about 30 percent through the recap program. Most businesses in any industry can realize similar benefits by asking some simple questions: 1.Are we operating a certain way just because we have always done so? How can we change that to improve? 2.Who can we collaborate with for assistance in reaching our sustainability goals? 3.What pending changes or opportunities are there that

we can use to make the needed adjustments toward achieving better sustainability? There are a number of programs and incentives offered to assist businesses in achieving more sustainable uses of energy, according to Mark Osendorf, local manager of community relations for Xcel Energy. He encourages any business interested in improving the sustainability of its operation to contact its energy service provider to explore those possibilities. In the restaurant industry one business owner who intentionally uses sustainable resources is Donella Westphal, owner of Jules Bistro in St. Cloud. Whenever possible, Westphal partners with locally sourced vendors to supply her menu items. The results of her sustainability efforts have included elevated customer satisfaction, local economic support and a business that has weathered significant challenges, including the pandemic. With the many resources available, any business can choose to become more sustainable. Not only will it gain customer respect and enhance the bottom line, but it’s just the right thing to do. Jim Gruenke is a water treatment manager for Traut Companies.

TECH NEWS

Busy Bees Pest control is an important part of any crop farming operation. Traditionally, sprayers and machinery spread chemicals on crops. Not anymore, says Bee Vectoring Technology. BVT developed a system that harnesses the power of commercially raised bees. They have designed special bee hives that are outfitted with a pest control powder that gets stuck to the bees, and then dispersed as the bees pollinate the crops. The whole process requires less CO2, fewer chemicals, and no water source. Plus, it is natural and harmless to the bee. Seems like a buzzworthy innovation. ______________

Water you waiting for? There are very few jobs in any industry that are being done the way they were 5,000 years ago, but irrigation in agriculture is sometimes one of them. Flood irrigation is the practice of flooding furrows between crop rows, in which 70 percent of the water goes to waste and also contributes to mineral depletion, water supply contamination, and lower crop yields. Enter, N-Drip, an irrigation innovation company that is helping farmers water more efficiently. Powered by gravity, this system uses tubes that drip precise amounts of water directly on the base of the crops. It also conserves water and reduces runoff. Time for a change?

It’s not just an office. It’s a place where innovators and renewable energy enthusiasts come together to harness the power of wind, advance sustainable practices, and elevate their impact on the world.

An Award-Winning SBA Lending Team

At W. Gohman, we have been creating environments where people work, play, and learn for more than 70 years. From renovation and historic rehabs to large and technically complex projects, our mission is the same: to create beautiful, functional gathering places that bring people together. Because it’s not just an office. It’s our future.

Blattner Energy Avon, MN

GENERAL CONTRACTOR

The U.S. Small Business Administration’s (SBA) Minnesota District has recognized Magnifi Financial as the top SBA Minnesota Credit Union! Magnifi Financial is proud to continually be recognized as a top SBA-lending financial institution for 7 out of the last 8 years. Our friendly and knowledgeable team helps businesses of all sizes to qualify and get funded with an SBA loan quickly and efficiently. Our team is committed to providing exceptional SBA lending service to businesses in our communities and beyond.

| CONSTRUCTION MANAGEMENT | DESIGN/BUILD | BUILDING + REMODELING

320.363.7781 wgohman.com

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T EC H ST R AT EG I ES

Add To Cart Offering online shopping opens your business to a national customer base – but not without challenges. By Emily Bertram

Starin is now firmly in the e-commerce space with Baby’s on Broadway, and she’s learned a thing or two along the way. She outlined several issues to consider when operating a successful e-commerce business. Have inventory readily available.

Thanks to large online retailers, quick turnaround of online orders is expected. “Customers expect that if it can be added to their cart and paid for, it will ship immediately,” Starin said. Implementing an effective inventory management system is key in making sure that you have enough inventory to fulfill orders. Be transparent with your customers about what is in stock, and give realistic shipping timelines.

hen Adelle Starin entered the retail world 10 years ago, operating an e-commerce business was not part of her dream. “My goal as a retail store owner has always been to bring people in the doors of the store so I can work with them, hands-on, to help them choose the products that work best for them, their budgets, and their lifestyles,” Starin said. Starin owns Baby’s on Broadway, a specialty children’s boutique with physical locations in St. Cloud and Little Falls, and a large online presence. At the time Starin started her business, building and managing websites required more technical

knowledge, and e-commerce was difficult to operate. Today, that’s not the case. “The reality is, we are in a digital world,” Starin said. “And in a digital world, a website is mandatory for people to even know you exist.” Today, there are many userfriendly platforms to help set up a successful e-commerce website. Plus, it’s become easier to integrate websites with actual transactions. “This year we are excited to be rolling out a custom revamp of our site,” Starin said. “After 10 years of our online point of sale not speaking to our in-store point of sale system, they will finally communicate.”

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Manufacturer relationships are important.

Part of ensuring you have inventory is maintaining a good relationship with the manufacturers you work with. “If you have a good relationship with, and understanding of, the manufacturers that you are working with, including their price structure and how they operate internally, this helps maintain the synergy needed for a good ongoing relationship,” Starin said. Keep communication open and work with manufacturers that you trust so you can avoid misunderstandings and provide your customer with a good experience.

Costs are high.

These days, everyone expects free (or almost free) shipping, according to Starin. “The reality is that shipping puts an extreme dent in your margin,” Starin said. “Not only must you now cover shipping costs, but the processing fees are higher online, the fraud rate is much higher, and you will need to spend more money on digital marketing – such as your placement on Google – to be found.” Starin says that it’s vital to understand these costs in order to be profitable, and that they should be factored into your e-commerce business plan. Despite its challenges, there are a lot of advantages to operating an e-commerce business. Taking your store online lets you to be open 24/7, provides you with more options for personalization and customer insights, and allows for creativity in customer service. For Baby’s on Broadway, it has been a good way to reach customers from areas outside of its locations in St. Cloud and Little Falls. “We have loyal customers from across the nation,” Starin said. “We couldn’t be happier to connect with people who we otherwise wouldn’t have had the chance to work with.” Emily Bertram is the director of marketing and communications at the St. Cloud Area Chamber of Commerce and editor of Business Central Magazine.

LOOKING FORWARD TO SERVING OUR COMMUNITY IN THE COMING YEAR

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artificial intelligence can do it for you? As the world continues to find new ways for AI to make lives more efficient, it was only a matter of time until it infiltrated the recruiting world. One example of AI in hiring is the app called LazyApply. For a fee, it asks a few simple questions about you and the job you’re looking for, then automatically applies to thousands of jobs on your behalf. Recruiters are reacting two ways – either with the belief that the applicant truly is lazy, or that it’s another way of finding more qualified candidates quickly. The best advice is a hybrid approach – using AI as a tool to help apply for jobs, not to take over the task entirely.

HANDLING THE

TOUGH STUFF

FOR CLIENTS SINCE 2005.

320.217.2678 GreenfieldComm.com 1411 W. St. Germain • St. Cloud

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Economy Central presented by

ECONOMY CENTRAL

There’s Work to be Done Meaningful diversity, equity and inclusion (DEI) policies require time and care to be effective. By Adina Arshad and Lynn MacDonald

diverse workplace can breed inclusion, acceptance, and innovation. An intermingling of cultures showcases different ideas, perspectives, and skill sets, which can lead to new and different approaches to accomplishing tasks. A Boston Consulting Group (BCG) study found that “companies with more diverse management teams have 19 percent higher revenues due to innovation.” Black workers in the U.S. make up a large share of workers in postal work, transit, nursing assistants, and security fields. Simultaneously, Black Americans are underrepresented in other areas such as in STEM fields. This contributes to earning

differentials. In 2022, among full-time wage and salary workers, the median weekly earnings for Black workers aged 16 and older is $878 compared with $1,059 for all U.S. workers in that same age group. The median weekly earnings for Hispanic workers is $823 and $1,085 for White workers. Survey results found that Black adults report experiencing racial discrimination on the job and place a higher value on DEI efforts in the workplace. They also perceive barriers in STEM fields citing an unwelcoming professional environment and a lack of mentorship and representation for Black youth. A February 2023 survey of U.S. workers found that 41 percent

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of Black workers indicate they have experienced discrimination based on their race or ethnicity or indicate they have been treated unfairly by an employer in hiring, pay, or promotions; 25 percent of Asian workers and 20 percent of Hispanic workers echo the same sentiment. Even before getting to the workplace, there may be bias infecting hiring practices. Economic research has shown that just the name of the applicant alone can have important implications for whether the applicant is offered an interview, with those who have Black-sounding names negatively impacted in initial screenings. New research shows that some of this negative impact can be mitigated when those who screen applications slow down a bit and don’t rush. According to a December 2022 Pew Research Center survey, 64 percent of Black adults indicate there is bias and unfair treatment based on a job applicant’s race or ethnicity. 49 percent of Asian, 41 percent of Hispanic, and 30 percent of White adults indicate the same. These data imply that many people perceive there is discrimination present. The data alone may be enough to suggest that we can still make gains from implementing or adjusting workplace DEI policies. DEI efforts sometimes stall or underperform when they don’t receive institutional and budgetary commitments.

Meaningful DEI policies can take time and care. By themselves, they are not enough to eliminate all issues related to access and opportunity. While DEI policies are one approach to improving workplaces, they may not resolve or quickly address the issues of occupational choice or educational access that come before. Now more than ever, major strides are being made toward diversity and inclusion goals. Simultaneously, survey results suggest there may still be a problem. People bring unique experiences, abilities, and ways of thinking to the table. It is just as important to hire employees who exhibit these differences as it is to have a workplace that then allows them to contribute their unique abilities and perspectives. “Diversity in the workplace is an asset for both businesses and their employees, in its capacity to foster innovation, creativity and empathy in ways that homogeneous environments seldom do,” writes business owner Vijay Eswaran. “Yet it takes careful nurturing and conscious orchestration to unleash the true potential of this invaluable asset.” Adina Arshad is a masters student of applied economics at St. Cloud State University. Lynn MacDonald, Ph.D., is an associate professor of economics at St. Cloud State University.

COLOR KEY:August

TOTAL: $81,999,784

July 2023 Jan Feb December Mar Apr May June July Aug Sept Oct Nov Dec

2023 Totals represent data reported as of 12/13/23

December

November

October

September

August

July

49 $1,155,337

30 $1,045,792

2021

181 $10,076,422

696

2022

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH

500

156 $13,026,557

2021

126 $13,404,703

November

Home Sales Closed in St. Cloud Area

162 $4,529,642

April $2,766,805

Food and Beverage ST. CLOUD

October

B U I L D I N G P E R M I T S BY C O M M U N I T Y Commercial September 2021 #/$

TOTAL: $121,853,757

2022 #/$

August 282

275 2023 $139,287,507

275 $46,801,385

Sartell

July 158 December

174 $31,707,799

287 $9,784,766

$105,238,005 $18,230,359

June

TOTAL: $215,772,443

Sauk Rapids November 56 $12,310,906

65 2022 $11,765,992

May Waite Park October122

170 $21,617,182

12 $2,774,220

10 2021 $300,363

2000

$2000000

Jan June

44 $3,001,040

33 Food and Beverage $12,447,415

ST. CLOUD 158 $16,829,271

TOTAL: 182*

Mar August

TOTAL: 1868

St. Joseph

$11,691,421

Apr September

TOTAL: 1823

St. Augusta

$200M $250M TOTAL: $215,772,443

2023 #/$

St. Cloud

Feb July

$150M

June

357 $9,730,753

February

1500

TOTAL: $1,287,691

TOTAL: $1,604,677

$1500000

$100M

994 $21,072,914

110 $12,380,467

1000

Data not released at time of print

$1000000

2022

$50M

252 May $9,116,510

January

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH TOTAL: $153,245,951 TOTAL: $121,853,757

$0M

0$9,119,277

December

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH

2023

1,350 $15,624,339

113

500

$500000 2021

477

March $11,360,899

$100M

Commercial Building Permits

2022

January$28,930,350 June

St. Augusta

Commercial Building Permits

2023

May

$80M

837 $35,672,702

2023

2020

$60M

2023 #/$

2019

$40M

ST. CLOUD

2022 #/$

St. Joseph

Home Sales Closed

2022

612 2021 $24,252,325

$20M

Food and Beverage Tax Collection

ST. CLOUD

$0 $0M

Sauk Rapids

TOTAL: $88,202,416

2021 March #/$ 777

Sartell

$80M $100M TOTAL: $84,561,804

September

$31,498,210 February July

Waite Park

2021

May October

August

St. Cloud

2021

2020

2019

2022

$60M

April

$40M

March

Residential

2023 $20M

June November

BUILDING P E R M I T S BY C O M M U N I T Y April

TOTAL: $81,999,784

$0M

February

January

December

November

October

September

August

July

June

May

Apr

Mar

Feb

Jan

TOTAL: $84,561,804

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH TOTAL: $88,202,416

2021

ST. CLOUD

Economy Central presented by September

Compiled by Shelly Imdieke, St. Cloud Area Chamber of Commerce

Residential Building Permits

Home Sales Closed

October

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH

ECO N O M I C I N D I C ATO R S & T R E N D S

E PARK,

November

16,523*

$200M

Residential Building Permits

2022

621,465

885,721

$80M

E PARK,

1,424*

32,948

24,272

December

15 $11,128,424

2023

96 $11,093,600

$24,862,496 $0

$500k

2022

May and St. Joseph. Sources: Building departments for the following cities: St. Cloud, Sauk Rapids, Sartell, Waite Park, St. Augusta, Apr

TOTAL: $153,245,951

Unemployment Rates

2021

2022-2023

Source: positivelyminnesota.com $0 $500k

Feb

December

November

1.0%

October

September

August

July

June

May

Jan

April

1.5%

March

$250M

February

January

$200M December

November

October

$150M

September

August

$100M July

June

May

April

$50M

March

February

January

$0M

3.5%

2022-23 -% CHANGE

Source: positivelyminnesota.com 2.0%

4.0%

2021

Non-Farm Mar Jobs

0.5%

3.0%

0.0% 2.5%

-0.5% -1.0%

2.0%

-1.5% 1.5%

St. Cloud Minneapolis/St. Paul Minnesota United States

-2.0%

St. Cloud, MN MetroSA Minnesota United States

J A N U A R Y/ F E B R U A R Y 2 0 2 4 // BusinessCentralMagazine.com

Grocery Housing Utilities Transpor- Health Misc. Goods Items tation Care & Services

97.4

83.6

94.0

95.7

126.2

Minneapolis, MN 92.8

98.1

84.7

96.8

97.8

100.5

93.6

100.0

83.7

95.8

98.4

100.6

94.0

January

St. Paul, MN

92.9

Mankato, MN

111.1

98.0

96.8

113.5

105.2

89.0

87.8

96.7

91.4

December

90.0

90.6

November

96.8

October

98.6

90.8

September

Eau Claire, WI

August

98.1

July

97.9

103.1

June

110.3

99.1

May

95.6

April

94.0 102.7

March

77.7 67.3

February

99.7 96.8

January

December

October

November

September

August

July

June

May

April

March

GROW February

January

92.6

Cedar Rapids, IA 90.0

91.7

The Cost of Living Index, which is compiled and published quarterly by C2ER - The Council for Community and Economic Research, measures regional differences in the cost of consumer goods and services, excluding taxes and non-consumer expenditures, for professional and managerial households in the top income quintile. It is based on more than 50,000 prices covering almost 60 different items for which prices are collected three times a year by the St. Cloud Area Chamber of Commerce. Small differences should not be interpreted as showing any measurable difference, according to C2ER.

Least Expensive Cities to live in the United States

Most Expensive Cities to live in the United States

SHERIFFS' FORECLOSURE AUCTIONS

December

All Items

St. Cloud MN 99.1 February

Pierre, SD

TOTAL: 1823

CITY

2000

$2000000

March

$2M

COST OF May LIVING INDEX – 3RD QUARTER DATA FOR 2023 FOR MINNESOTA AND OTHER UPPER MIDWEST CITIES

$2M

2021

April

June

TOTAL: $1,420,811

TOTAL: 31

TOTAL: 1868

Cost of Living

$2M

TOTAL: 72 $1.5M

July

TOTAL: 182*

1500

$1.5M

November

October

August

TOTAL: $1,587,656

Home Sales Closed in St. Cloud Area

TOTAL: $633,887

October

1000

TOTAL: $1,287,691

TOTAL: $1,604,677

$1500000

Data not released at time of print

$1000000

November

September

TOTAL: 69

$1.5M

December

TOTAL: $1,142,027

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH

January

Source: Tax Collections – City of St. Cloud

2023

September

BY THE NUMBERS

$1M

August

2500

STEARNS AND BENTON COUNTIES

2021

2000

Sheriffs’ Foreclosure Auctions $500k

July

Feb

500

$500000

$1M

June

February

2022 Source: Tax Collections – City of St. Cloud

$1M

TOTAL: $1,420,811

March

2021

Mar

TOTAL: $1,543,320 Food and Beverage Tax Collection

ST. CLOUD

May

1500

2023

2020

Apr

TOTAL: $1,350,675

$500k

April

Food and Beverage Tax Collection

1000

ST. CLOUD

TOTAL: $1,587,656

TOTAL: 2010

Lodging Tax Dollars

2023

April

May

2022

Jan of Realtors, Housing/Real Estate sources:$250M St. Cloud Area Association $150M $200M http://stcloudrealtors.com/pages/statistics.

2021

March

June

TOTAL: 1569

May

ST. CLOUD

500

TOTAL: $633,887

2019

2021

2020

2019

$0 0

October

July

2023

June

TOTAL: $153,245,951

2021

November

August

TOTAL: $215,772,443

2500

ST. CLOUD September

TOTAL: 1090 September

July

2022

2000

Food and Beverage Tax Collection

October

TOTAL: $121,853,757

2023

February

January

December

November

October

September

August

July

June

May

Apr

Mar

Feb

Jan

December

UD, SAUK RAPIDS, SARTELL, WAITE PARK,

2021

1500

Jan December Feb Mar Apr May June July Aug Sept Oct Nov Dec

Home Sales Closed in St. Cloud November ST. CLOUD

2022

1000

E PARK,

500

16,523*

BUSINESSTOOLS

ing Permits

$100M

621,465

January

ECO N O M I C I N D I C ATO R S & T R E N D S

2022

885,721

$100M

$80M

$200M

E PARK,

$80M

1,424*

32,948

24,272

$60M

February

Residential

2021

2022

2023

New York (Manhattan), NY

227.8

Decatur, IL

77.0

Stearns Co.

Honolulu, HI

179.2

Harlingen, TX

79.7

Benton Co.

San Jose, CA

171.3

McAllen, TX

80.2

San Francisco, CA

169.5

Ponca City, OK

80.4

New York (Brooklyn), NY

159.7

Augusta, GA / Aiken, SC

82.8

BusinessCentral Magazine.com // J A N U A R Y/ F E B R U A R Y 2 0 2 4

TREASURY MANAGEMENT

Q&A with Paula Capes

What is Treasury Management? Treasury management involves the strategic management of a company’s financial assets, liabilities, and liquidity to ensure optimal financial health. What are some of the realized benefits? Businesses will have the tools to gain better insights and make more informed decisions. Plus, create efficiencies and mitigate risk. How can a bank help? By providing tools and expertise in managing financial resources, Falcon National Bank’s Treasury Management Team has helped many small businesses optimize their working capital, minimize financial risks, and enhance overall operational efficiency.

Secure, scalable solutions designed to optimize working capital and better manage cashﬂow. Connect with our Treasury Management Team Imran Qureshi

VP Treasury Management 763.777.5530

Paula Capes

Deposit Sales & Development Oﬃcer 320.223.6301

www.FalconNational.com

Ann Thelen

Business Development Coordinator 320.223.6306

COVER STORY

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Momentum

Business Description: Commercial truck dealership with locations in St. Cloud and Brainerd. Momentum Truck Group is one of the largest and oldest family-owned suppliers to the transportation industry in Central Minnesota. Number of Employees: 100 in St. Cloud; 108 total

momentumtruck group.com

25200 Augusta Drive St. Cloud, MN 56301 (320) 251-0931

MOMENTUM TRUCK GROUP

Staying

Truck Group

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CEO and Dealer Principal: Scott Anderson President/General Manager: Jon Pearson Chamber Member since 1973

BY JEANINE NISTLER

Majority Owners: Scott Anderson and Brent Anderson

COVER PHOTOS BY SWITCHBOARD

COMPANY OWNERSHIP AND LEADERSHIP

President Jon Pearson is always looking down the road for unexplored routes.

on Pearson, college student of the early 1990s, imagined a career with Northern States Power, the company now known as Xcel Energy. Jon Pearson, president of Momentum Truck Group, is delighted with the unexpected turn he took into the transportation industry. It all started with a practice interview with Ruan, a truck leasing company, while Pearson attended St. Cloud State University. “I went into that interview very ill-prepared, had not done a lot of homework on them,” Pearson recalled. Yet he

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COVER STORY

At Momentum Truck Group, cohesive team dynamics are integeral.

managed to get a telephone interview and then an in-person interview in Des Moines. He got the job. “I’ve never looked back. I’m glad that I got that opportunity,” Pearson said. “It was very much a starter position that allowed me the opportunity to work through some different departments. I would consider that to be boot camp for this career.” “This career” is fast-paced, rewarding, and full of challenges. “Disruption is so prevalent in our industry right now,” Pearson said, citing government mandates and alternative fuels as examples. “We are just not going to allow disruption to stop us from being successful. We are going to work around disruption and through disruption. That’s an opportunity,” he said. However, Pearson added, “If I wanted to look at every disruption that hits our industry, it would be paralysis.” Instead, he chooses which issues seem to be the most important to focus

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BEST ADVICE JON HAS RECEIVED ––––––––

“Surround yourself with successful people – I’ve heard it from numerous people who are successful, generous, and lead fulfilling lives.” --------JON’S ADVICE TO BUSINESS LEADERS ––––––––

“If you believe in the plan, take the risk.”

on, gathers information by reading and speaking with well-informed colleagues, then makes decisions. At Momentum Truck Group, “We are nimble in the way that we are able to make decisions,” he said. Momentum also is nimble in addressing problems caused by inefficiency. “We have a really strong continuous improvement culture,” Pearson said. The dealership takes advantage of the support network available to dealerships affiliated with Daimler Truck North America. “We follow Daimler criteria on everything from the cleanliness of our facilities to the processes that we have to the communications flows.” The easy way to approach problems, Pearson said, would be to “think we know the answer, do that without a lot of input, and then not talk about it until the next time we have a problem.” Instead, “we try to include people who are part of the process that’s having the issue. People really appreciate being part of the solution. That’s the only way we get better,” he said. Revenue growth follows improved efficiency, according to Pearson. He pointed to changes Momentum made in 2017 after buying an independent truck repair company in Brainerd, which had been working not only on trucks,

Building the workforce Momentum has a strong relationship with St. Cloud Technical and Community College (SCTCC). “Over 50 percent of our technicians for many, many years have come through SCTCC,” Pearson said. “We really consider them a part of our business. They are part of the growth that we have. Their success and our success are really tied together.” Momentum offers scholarships – $2,000 per semester, $4,000 per year – for current employees to attend SCTCC or other technical and community colleges. An individual employee can continue to earn their wages while working and attending classes. After hearing a presentation at a Chamber event about the Exploring program operated by Boy Scouts of America, Pearson grabbed the opportunity to become Exploring Post 4007. Momentum hosted 14 to 20-year-olds for hands-on experiences in the collision center and diesel shop over the course of at least a half-dozen sessions earlier this year. “More than just a tour, it gives them a real deep dive of working in the environment and working around people,” Pearson said. Does he hope that some of those young people go on to school and eventually work for Momentum? Yes! “There seems to be a disconnect between what youth think a position will be and what it is,” Sarah Dean, coordinator for the Exploring program said. “So Exploring allows them to find out if a career is the right fit in a safe environment. If they love

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but also farm equipment and boat motors. Focusing strictly on trucks “has been a really nice growth point for us.” Besides focusing on all things related to trucks and efficiency, Pearson enjoys working with people, whether they are students, employees, or leaders in transportation and other industries.

“ WE TRY TO INCLUDE

MOMENTUM TRUCK GROUP –––––––––

1963 Harold Anderson founds St. Cloud Truck Sales to provide competitively priced parts and service to the over-the-road St. Cloud trucking industry. The company operates in a rented building on Cooper Avenue North.

1968 The company moves to its present location near St. Augusta and builds a small parts and service facility on 15th Avenue Southeast, just off U.S. Highway 10 in southeast St. Cloud.

Early 1970s The Freightliner, White, Autocar, and Western Star Truck franchises are obtained. Harold Anderson selects Freightliner over the other brands as the franchise to retain. Within a few years, White Motor Company could no longer compete in the marketplace and went out of business.

1973 through 1997 Building and expansion projects take place in 1973, 1983, 1992, 1995, and 1997.

2012 The company changes its name to Freightliner of St. Cloud and opens a new facility off I-94 with energy-saving features that included in-floor heat fueled by waste oil products, a glassenclosed truck display/lobby, and state-of-the art service bays.

2015 The company is named “Dealer of the Year” by Successful Dealer

PEOPLE WHO ARE PART OF THE PROCESS THAT’S HAVING THE ISSUE. PEOPLE REALLY APPRECIATE BEING PART OF THE SOLUTION. THAT’S THE ONLY WAY WE GET BETTER.” — JON PEARSON

it – fantastic! If they don’t, they are able to move on and find something they do love. We consider both of those scenarios a win.” And, she said, in addition to hosting the Exploring post, Momentum Truck Group will cover the registration costs for youth to ensure that all interested can participate. “Because youth will meet six times, those who register for the Exploring post will get to dig into engines, perform body repair, explore vehicle painting, and work repeatedly with professionals while building relationships within the field,” Dean said. She also noted that individuals need not be scouts to participate in Exploring. Appreciating employees A strong team doesn’t create and sustain itself, according to Pearson. That takes TLC. “You’re never really done trying to improve a culture. We’re always trying to find that extra way to show the people who work here how important they are to the company,” he said. “The people that we have just make all the difference. We recognize that as a company,” Pearson said. “We don’t try to say, ‘Oh, it’s the building.’ You gotta have a good location and

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COVER STORY

JON PEARSON, 53 President/General Manager, Momentum Truck Group Hometown: Morris, Minnesota Education: St. Cloud State University with a bachelor’s degree in Transportation / Energy Work History: “I have been involved with the commercial truck industry since 1993. I have been in my current role at Momentum since 2012.” Family: Married 31 years to his wife, Tanya; two daughters, Taylor, 23, and Makayla, 19. Hobbies: Anything with my family; boating and biking. Fun Fact: Momentum Truck Group just celebrated its 60th year in business.

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Pho to by Yup pyP hoto

2017

Learning from others Pearson discusses business issues with the Momentum management team, other transportation industry leaders, and members of Vistage, a coaching and peer advisory organization. He meets with that group of Minnesota executives monthly at one of the members’ businesses, most of which are in the Twin Cities. Vistage discussions are confidential, which allows members to address sensitive topics such as company growth plans. “There are so many good things that I can bring back from Vistage meetings,” Pearson said. “These people are all really good at what they do. It’s kind of like my own little personal board of directors.” Members bounce ideas off each other, learning from each other’s successes and mistakes. Momentum managers can make decisions on their own, Pearson said, noting that his philosophy is, “If it makes sense, do it.” However, the team does talk through plenty of ideas before acting. “We’re not afraid to be vulnerable,” he said. “We need to feel comfortable to ask those around us, ‘How should we do this?’ or ‘Am I doing this correctly?’ ” And, Pearson said, “If it’s something that affects the system, let’s bring it to the table and let’s talk about it.”

2018 The body shop along Highway 10 is rebranded as the Northland Heavy Duty Collision Center to expand services to all trucks, buses, and recreational vehicles.

2019 The Highway 10 building is remodeled to enhance the layout for increased collision center workload, while still including service bays.

2020 As Northland Freightliner in Brainerd continues to grow, the facility is expanded to provide eight additional bays, increased parts warehouse space, and a new employee breakroom. ––––––––– Celebrating 10 years as a Daimler Elite Support Certified Dealer at the I-94 location, Freightliner of St. Cloud earns awards at the Elite Support Annual Summit for exceptional work on continuous improvement and express assessment. ––––––––– The company adds the Western Star brand to complement Freightliner. Staff at all three locations are trained and certified to manage both brands.

2021 Freightliner of St. Cloud, Northland Freightliner, and Northland Heavy Duty Collision Center are rebranded to one dealer family name: Momentum Truck Group. Same family ownership, new family name.

2017

products and services to sell. All of that is a given. You have to have those. What really sets us apart is our people and what they bring to the job. We have a great group of people that work well together.” Promoting from within whenever possible is important to Momentum’s culture, Pearson said. Each job opening is posted first internally. “Our criteria is that we want to find the best person for that job, and we hope that person is found internally. That’s a huge, rewarding part for me,” he said. “We want to see people progress.”

The Freightliner of St. Cloud family adds a third location in the Brainerd/Baxter area.

2023

Momentum Truck Group celebrates 60 years in business.

Sixty years in business Momentum Truck Group celebrated its 60th year in 2023. The business name has changed multiple times since Harold Anderson launched it in 1963 as a parts company. “The 60th year is a really big deal,” Pearson said. “It is pretty uncommon that a family owns a dealership for this period of time. Usually, one generation decides to sell to a competitor, to cash out, and be done. That’s not who this family is.” Working for the Anderson family has been wonderful, Pearson said. He appreciates being able to focus on what will benefit the business over the long haul. Too many companies, he said, keep their sights on “how does the end of the month look financially?” Short-term results are important, but “we make decisions that will benefit us two years from now.” Momentum’s future is all about growth, according to Pearson. “We are finding more and more products and services” to offer the trucking companies and independent owner/operators who are Momentum’s customers, Pearson said. “We are blessed to be well-capitalized,” and he anticipates that they will eventually buy another location. In the meantime, Pearson said, Momentum is focused on selling, leasing, and repairing trucks, and selling parts. “If it involves a big truck,” he said, “we do it.” Jeanine Nistler is a St. Cloud-based freelance writer whose career has included daily newspaper reporting and editing, as well as communications work in health care, higher education, and state government settings.

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Representation MATTERS SPECIAL FOCUS

Embracing diversity, equity and inclusion in your marketing initiatives can boost your company culture and your ROI. By Vicki Johnson

entral Minnesota is changing. It’s a statement that many who have called this region home, either by living, working, or doing business here, have come to notice. But just how much has the St. Cloud area changed? According to the U.S. Census Bureau’s 2020 Census, nearly a quarter of St. Cloud residents identify as Black, Indigenous, or as a Person of Color (BIPOC), up from just over 10 percent a decade ago. In addition, the number of foreign-born individuals has increased within the region – with a significant number emigrating from Africa.

One in 10 individuals within the St. Cloud area has some sort of disability: hearing, vision, cognitive, ambulatory, self-care, or difficulty living independently. And while official Census data regarding the LGBTQ+ (lesbian, gay, bisexual, transgender, queer/ questioning, intersex, asexual) population does not exist, the sheer presence of several community driven events, such as St. Cloud Pride, indicate this population is also on the rise. But even with the region becoming more diverse, one thing remains constant. Consumers need to purchase goods and services. So how can your business effectively react to the changing demographics and maintain or even expand your bottom line?

“I think we as humans really like to be able to see someone reflected in media or advertising that looks like us, It’s just human nature.” — SHERI WEGNER, EXECUTIVE DIRECTOR OF CONNECTABILITY OF MN

The answer: embrace it. Diversity, Equity, and Inclusion – otherwise known as DEI – is not something new to the marketing industry. However, the use of DEI (or lack of use) in marketing campaigns is quickly guiding where and how people choose to spend their money. “I think we as humans really like to be able to see someone reflected in media or advertising that looks like us,” Sheri Wegner, executive director of ConnectAbility of MN said. “It’s just human nature.”

Studies show firms that have embraced DEI in their traditional and online media platforms have seen much more successes when it comes to their bottom line. According to a 2019 Adobe consumer survey, 61 percent of Americans found diversity in advertising important and 38 percent said they were more likely to trust brands that show more diversity in their ads.

Continued on page 48

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SPECIAL FOCUS

DON’T STOP NOW LGBTQ+ marketing messaging has faced a lot of public scrutiny in the last few years. A study conducted by the Cultural Inclusion Accelerator (CIA) and the Alliance for Inclusive and Multicultural Marketing (AIMM) surveyed 2,300 adults from across the United States to gain a better understanding of attitudes toward LGBTQ+ representation in media and advertising. 77 PERCENT of the general population are comfortable with gay and lesbian representation in ads.

74 PERCENT of the general population are comfortable with transgender representation in ads.

FOUR IN 10 consumers are more motivated to support brands that make LGBTQ+ marketing efforts.

CONSUMERS ARE TWICE AS LIKELY to withdraw support for a brand that scales back its LGBTQ+ advertising due to criticism.

Carlos Santiago is the co-founder of AIMM. “What we know, based on this survey, is that there is a very significant risk of losing the loyalty and support of LGBTQ+ allies and many others in the general public who do not think brands should be withdrawing their efforts to represent all segments of the population with equality,” Santiago said in an interview with news outlet The Drum.

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“When we talk about the marketing and advertising space, representation just equals better business,” Michelle Henderson, owner of BadCat Digital, said.

DEI Speaks Volumes for Consumers While the region has been getting increasingly diverse, marketing and advertising among local firms has been playing catch up. “Employees and customers want to be at a place where they feel like they belong,” said Hudda Ibrahim, president of Filsan Talent Partners. An expert in cultural brokering and DEI training, Ibrahim said she has had a lot of interactions with people of color. Continued on page 50

DIVERSITY, EQUITY & INCLUSION: CAREER SOLUTIONS

Central Minnesota’s “Inclusive Workforce” Designation for Employers

innesota has been in a labor shortage for some time and with the population continuing to age out of the workforce, it will only continue. There are populations that have been overlooked for intentional recruitment into the labor force and populations that have traditionally been marginalized. These individuals need to be encourage to apply, feel welcomed, and once on the job, feel like they belong. Central Minnesota offers the Inclusive Workforce Employer (I-WE) Designation to help employers navigate the process. I-WE was created to reduce disparities and raise awareness of the value of and methods for increasing diversity by creating a designation to recognize and promote inclusive employers. 49 of the 87 counties in Minnesota have embraced this designation. Your company can be recognized by receiving the I-WE designation. For additional information of just a one-on-one consultation — just complete the interest form from Career Solutions and an I-WE committee member will contact you. To attain the designation, employers must: • Express a commitment to an inclusive worklplace in their stated values, mission, or policies. • Assess how diversity, equity, and inclusion influence their work and culture. • Provide diversity, equity, and inclusion education for staff and leadership. • Allocate resources to support and sustain an inclusive and equitable workplace. Two local companies have participated in this new initiative and have received the Inclusive Workforce Employer Designation – Nahan and Boys and Girls Clubs of Central Minnesota. Several others are in the process.