Midlands Business Journal November 1, 2019 Vol. 45 No. 44 issue

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NOVEMBER 1, 2019

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VOL. 45 NO. 44

Equitable Bank eyes Elkhorn to strengthen market presence

THIS WEEK 'S ISSUE:

by Richard D. Brown

On To College builds national clientele of high schools, colleges. – Page 2

Ph

a py r o rity h t n a ila Ch

nd

Impact of tax law changes, 2020 census participation uncertainties for nonprofits.

– Page 3

In the last seven years, Grand Island-based Equitable Bank has grown deposits from its Omaha branch from $8.9 million to nearly $60 million, a figure that Community Bank President Doug Nodgaard said figured heavily in the decision to break ground near 202nd & Pacific streets for a second location.

The publicly-traded financial institution, with roots going back to 1882, is aiming to have its 9,000-square-foot building in operation by October 2020. The bank will occupy about 4,500 square feet of the structure and lease out the remainder.

Four to six new positions will be created in Elkhorn. The facility will feature an Equidirect teller, which will enable drive-up customers to tap a screen and then cash checks, pay on loans, check balances, do withdrawals, and make deposits in cash or check.

“We've developed a great online banking platform and mobile apps,” said Nodgaard, a 30-year veteran of the Omaha-area banking community who notes that the new facility will Continued on page 9.

Community Bank President Doug Nodgaard … Expanding into Elkhorn along with new teller technology.

(Photo by MBJ / Becky McCarville)

Air Methods provides lifesaving care with help from critical partnerships

by Michelle Leach

E-commerce continues to grow, leads to high demand for office space. – Page 8

Air Methods is building its capacity to effectively treat patients during that critical “golden hour” when there is the greatest likelihood that medical and surgical care will be a true lifesaver following a traumatic injury. Its focus is on providing onboard blood-carrying capabilities across its Heartland footprint, in addition to its almost 40-year history of

investing in both quality training for clinicians and aircraft.

“One of the biggest steps is partnering with a supplier, and we’re partnering with the American Red Cross to assure the quality of temperature of the blood is maintained at the base and during transport at all times, and that we have the equipment required to keep the blood cool,” said David Continued on page 9.

Vice President Natalie Hadley … Responding to the needs of the visually impaired community by providing knowledge-based job opportunities.

Outlook Business Solutions expands opportunities for blind professionals

by Becky McCarville

From left, Pilot Caden Johnson, Flight Nurse Peter Labosky and Flight Medic Gary Wood … Air medical transport and treatment services increasingly important as more rural hospitals close their doors.

Outlook Business Solutions, a separate entity and sister company to Outlook Nebraska, was formed to expand employment opportunities for professionals who are blind and visually impaired. As a 20-year-old manufacturing company that provides over 60 jobs for people who are blind or visually impaired as part of the National Industries for the

Blind and the federal AbilityOne program, the leadership team and board of directors of Outlook Nebraska wanted to expand into knowledge-based jobs and established a call center last fall.

The unemployment rate among people with vision loss in America is a staggering 70%.

“Our goal is to provide earning opportunities for knowlContinued on page 10.

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• NOVEMBER 1, 2019 • Midlands Business Journal

On To College builds national clientele of high schools, colleges

by Dwain Hebda

When John Baylor launched On To College in 1994, it was to one class of 11 high schoolers looking to improve their ACT scores. He thought, at the time, it was a good sidelight.

“I just assumed at the start that this would be once a year and I would start at

On To College Phone: 402-402-475-PREP (7737) Address: 211 N. 14th Street, Suite 315, Lincoln 68508 Service: college counseling/test preparatory services Employees: 21 Website: ontocollege.com

this high school and maybe the word would spread a little bit,” Baylor said. “This was a very modest, part-time endeavor.”

The higher education market in Nebraska was very different 25 years ago; with acceptance rates high and tuition relatively low, many families saw the ACT as mere formality. Over time, costs rose and student debt began to escalate, and parents realized, in Baylor’s words, “The best-paying job a high school kid could ever have is jumping that ACT

President John Baylor … In 25 years, On To College has grown from one class of 11 Lincoln Pius X High School students to serve 450 high schools in 25 states. score, because it should trigger significant spurred On To College’s growth. Today, discounts through scholarships.” the Lincoln-based company serves 450 These market facts, combined with the high schools in 25 states and employs rise of the internet and distance learning, 21 individuals, 13 of them full-time. The

Business Minute

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Ralph Dovali Partner, Hancock & Dana PC

Associations/Titles: CPA, CAP. Hometown: Omaha.

Education: Creighton University – BSBA, University of Nebraska Omaha – MBA.

How I got into the business: I have always enjoyed numbers and knew I wanted to get into business. Thinking an Accounting degree would provide a lot of job flexibility coming out of college, I thought that would be the best launch to my career. Little did I know that I would still be a practicing CPA 20 years later!

Accomplishments or milestones: MBJ 40 under 40 in 2017.

First job: La Casa Pizzaria.

Biggest career break: Observing my Dad run a small business growing up. Living with such a great role model, I saw everyday what it took to be successful but didn’t know the effect it would have on me until I grew older. Sharing his name, people still tell me

today how impactful and how successful he was.

The toughest part of the job: Workload compression — a substantial portion of our business volume is conducted within 3 months of the year. However, the variety of work along with flexibility the rest of the year more than makes up for it.

The best advice I have received: Honesty and work ethic — never compromise on either.

About my family: Married my high school sweetheart, we have 5 kids — 2 in college, 1 in high school and 2 in elementary school. And a dog.

Something else I’d like to accomplish: Travel with my wife to the other 5 habitable continents.

Book I finished reading recently: Traction.

Something about me not everyone knows: As a junior, my parents gave me the nickname RJ. Growing up, I never announced my nickname in school or at work, so half of my social circle knows me Ralph and the other half knows me as RJ. How my business will change in the next decade: Technology will take today’s

company offers ACT test prep via live coursework — five sessions held in Lincoln, Omaha and Kearney — and online instruction spread over 12 sessions.

“We became a system about five or six years ago when we started adding other teachers, making systemic all of the teaching techniques that I had developed over the years,” Baylor said. “It’s a system we’re proud of. It’s built on engagement, efficiency and effectiveness. It’s very engaging; I’m figuratively trying to jump through the screen and motivate these kids and connect with them personally.

“Secondly, it’s efficient. We don’t want kids to have to drop extra-curriculars or to have their grades fall or go through even more stress during these critical, impressionable 10th, 11th and 12th grade years.

We package the program as efficiently as possible, so they get the maximum impact for the minimum amount of time and effort.”

On To College’s most recent suite of value-added services goes beyond test-taking to prepare students to succeed once they land in college. Baylor says the development of these services grew naturally out of the company’s core product.

“On To College helps families and schools create two- and four-year college graduates with minimal debt,” Baylor said.

“We do that primarily by increasing ACT and SAT scores. But consistent with that mission, we’ve also developed a college counseling system, the OTC College Counseling System, and we make it available not just to families but also to overworked, often overwhelmed college counselors in high schools.

“We don’t know anyone else who does this, and we are absolutely passionate Continued on page 11.

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routine accounting tasks and automate them, offering CPAs an opportunity to offer more business advisory services than ever before.

There will be a more rapid evolution of the profession over the next 10-20 years than any time prior.

Mentor who has helped the most in my career: Clark Campbell at H/D. In addition to the technical skills, he has demonstrated great emotional intelligence and problem-solving skills which have helped me develop into the professional I am today.

Outside interests: Live music — a great source of energy for me.

Pet peeves: I don’t have one — I try not to let much bother me.

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Other careers I would like to try: FBI agent.

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Midlands Business Journal • NOVEMBER 1, 2019 •

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• NOVEMBER 1, 2019 • Midlands Business Journal

Philanthropy and Charity A section prepared by the staff of the Midlands Business Journal

November 1, 2019

Impact of tax law changes, 2020 census participation uncertainties for nonprofits

by Michelle Leach

The tangible impacts of federal tax law changes, community-specific giving days, and controversial U.S. Census discussions represent a mixed bag of opportunities and challenges for nonprofits.

“The release of the Giving USA 2019 Report in midJune was the first look at how the December 2017 tax bill has impacted charitable giving and nonDeBuse profits,” said Lincoln Community Foundation Vice President for Development Chip DeBuse, a reference to

changes that allowed fewer individuals to itemize their deductions on their 2018 tax returns because the standard tax deduction has nearly doubled in most cases. “Nationally, charitable giving rose 0.7% to $427.2 billion from 2017 to 2018. This is a decline of 1.7% adjusted for inflation. These figures include giving from individuals, foundations, bequests and corporations.”

Individuals’ givVassios ing fell 1.1%, minus 3.7% adjusted for inflation, which DeBuse said is of primary importance to many

From left, Nonprofit Association of the Midlands’ Hannah Young, policy and events manager, and Rosey Higgs, program manager. charities because individuals account for sharing on social media, and they’re really the largest donors. intended to generate a lot of new donors, “Foundation giving rose 7.3% (up 4.7% not necessarily big donors.” after inflation) with grantmaking from Higgs said nonprofits are getting better Community Foundations rising a strong at using social media.

10.2%,” he said. “Lincoln Community “We’ve also seen, over the last couFoundation gave a ple of years, that a record $13 million board member might in grants in 2018. give donors a call Bequests were unafter they give to say, changed from 2017 ‘Thank you,’ which to 2018 and coris really surprising porate giving grew to people, especially 5.4% (2.9% after inif they’ve given $10. flation).”

It is really a special Locally, DeBuse touch.” referenced the show Higgs also said of support for its many organizations Dostal Henning May 30 Give to Lincelebrate Giving coln Day. Tuesday (Dec. 3 this year) as a break from “The total amount raised of nearly $5.6 Black Friday, and an opportunity for holimillion was up nearly 21% over last year,” day-themed giving. he said. “This follows similar large increasUnited Way of the Midlands’ Greg Vases of 25% and 20% in 2017 and 2016.” sios, SVP, corporate and donor relations, Nonprofit Association of the Midlands said this year the organization partnered Director of Programs Rosey Higgs noted with around 700 local organizations runhow giving days across communities cele- ning workplace campaigns or making corbrate the “small donor.” porate contributions to its annual campaign. “[Giving Days] are a time when people “We’ve also seen a good response from might make small gifts to several different individuals who are supporting United Way organizations,” she said. “There is a lot of Continued on page 6.

Philanthropy and Charity • Midlands Business Journal • NOVEMBER 1, 2019 •

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• NOVEMBER 1, 2019 • Midlands Business Journal • Philanthropy and Charity

Local organizations offer insight on finding the perfect nonprofit for donations

by Gabby Christensen

Selecting a nonprofit for donations can be a tricky task, but local organizations say selection should be based solely on personal preference.

Leslie Fischer, co-founder of TAGG - Together A Greater Good, said people should start with something they are passionate about and then do some research to find the perfect fit.

“There are so many organizations supporting the community that you may have never heard of,” she said. “Facebook, websites, TAGG, Nonprofit Association of the Midlands, ShareOmaha and Omaha Gives! and your local chamber are all great places to see just how many organizations are out there.”

Every nonprofit should give their financial filings upon request and if an organization won't share those details, that is a red flag, she said.

Sharing the values and mission of an organization is also extremely important.

“The more you love a nonprofit, the more you want to be involved, help them grow and be an advocate,” she said. “Don't just write a check — although please still do that — get involved. You see people get immersed in an organization and they don't just tell you about it, they paint you a picture, take you on a journey and show you something that has truly impacted their life.”

To be eligible for grant funding from the Iowa West Foundation, President and CEO Pete Tulipana said the nonprofit needs to meet its geographic region criteria as well as have a program or project that fits within one of its four focus areas: economic development, education, healthy families or place-making.

“We strive to be transparent about how to qualify and be competitive in our funding process by making this information accessible on our website,” he said.

In general, he said that nonprofits seeking funding from foundations should have strong leadership at the executive and

Fischer

Tulipana

board level, a clear strategic direction, and a focused case for a program or project that drives the impact they are trying to make in

the community.

“The reality is that everyone — including foundations — has limited resources, so to be good stewards of the funding, we need to ensure that our partners will be able to achieve their desired outcomes,” Gay he said.

Tonee M. Gay, executive director of Midlands Community Foundation (MCF), said when one donates to lo-

cal nonprofits like the MCF, they are providing support to individuals in their own backyard and strengthening the community where they live, work and play.

“MCF supports projects and programs in our community such as homelessness, arts, parks, health, economic development or education,” she said. “By giving to MCF, your donation is pooled with other gifts and grant money so it can have a bigger impact for those causes you care most about.”

MCF publishes an annual report disclosing the donations received and the beneficiaries.

Impact of tax law changes, 2020 census participation uncertainties for nonprofits Continued from page 4. of the Midlands outside of the workplace, like through our #HatsOff4UnitedWay campaign,” he said. “Every time someone from the community posts a picture of themselves taking off a hat with this hashtag, Mutual of Omaha, First National Bank and Blue Cross and Blue Shield donate a dollar to United Way to help families in need.”

Vassios said donors want to know that dollars are used efficiently to meet pressing needs.

“Ninety-two cents of every dollar they donate is going right back into this community, funding basic needs, education and financial stability programs that provide a circle of support for our neighbors in need,” he said.

Pottawattamie County Community Foundation President and CEO Donna Dostal indicated the tangible impact of investors’ dollars run the spectrum of projects: arts and culture, health care, education, recreation, and human services.

A reference to aforementioned tax changes, Dostal noted increased interest in donor-advised funds.

“Our team has had several conversations around bundling, where donors take a look at what their expected giving will

be over the coming years, then pool the amount into the current year to reach the minimum threshold to receive tax benefits for the year,” she said. “They then can utilize the flexibility of their donor-advised fund to be philanthropic over the coming years.”

Additionally, the state of Iowa’s Endow Iowa tax credit allows donors who make gifts to eligible funds qualify to receive a 25% credit in addition to federal deductions for certain charitable gifts.

Most recently, Dostal said, increased focus on several key issues facing southwest Iowans resulted in new “Field of Interest Funds:” Mental Health and Substance Abuse Fund of Southwest Iowa and Women’s Fund of Southwest Iowa.

The former fund enhances how nonprofit service providers educate the public, provide preventative solutions, and access internal training, while the latter improves the quality of life and well-being of women and their families in areas including education, access to affordable, quality child care, women’s health and safety, and aging in place.

Women Investing in Nebraska highlighted its grants to place additional mental health counselors via University of Nebraska-Lincoln’s Counselor-in-Residence program in at least two residence halls, and to support the Nebraska Children’s Home Society Raising Your Grandchildren program to expand offerings to grandparents in Lancaster County through its Lincoln office, in addition to its mix of psychoeducation and supportive network resources available in Omaha and the surrounding area.

WIN Chair Candy Henning noted grant recipients reflect Nebraskans at different stages in their lives, experiencing major transitions.

“Navigating the move to university life and returning to a child-rearing role are very different experiences for people, but both can be exhilarating and stressful,” she said. “The two programs WIN is supporting this year are reaching out in meaningful and personal ways to people who need support.”

Since census results are used to allocate funding, earlier discussions about the inclusion of citizenship questions (deemed unconstitutional) are giving rise to concerns about participation in the 2020 survey — with big implications for

nonprofits who depend on federal dollars.

“The implications of not having a complete count will last for 10 years; this is not money we’re missing out on for one or two years,” said Hannah Young, de facto chair of Nebraska Counts, a statewide Complete Count Committee spanning 501c3 nonprofits. “For every Nebraskan that doesn’t get counted, that’s $2,000 per year that we miss out on, and the areas that are undercounted are the ones that need it the most … one of the biggest undercounted areas is children under the age of 5 and immigrant populations.

“There is a lot of valid fear right now, and we want to reiterate that this census is anonymous and can’t be shared with any government agency.”

One of the biggest implications also includes the potential for Congressional redistricting; Nebraska Counts is addressing these issues with an educational toolkit that might be used by the likes of college Get Out the Vote volunteers, and lunch-hour webinars that address the many parts of the census, how it works and fit well into nonprofit employees’ busy lives.

Young, who also serves as NAM’s public policy and strategic partnership manager, indicated they’re in an advantageous position: as nonprofits, they’re trusted faces and resources in the communities they serve, and among the very people they want to assure are counted, yet are at most risk of being undercounted.

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Philanthropy and Charity • Midlands Business Journal • NOVEMBER 1, 2019 •

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New tax law increases limits for deductibility of charitable gifts

by David Kubicek

Recent tax reform has increased the limit of deductibility for cash gifts, leading investors to use other methods of charitable giving.

The new law increased the deduction of cash gifts from 50% to 60% of a taxpayer’s adjusted gross income (AGI), while leaving the 30% AGI cap for donating appreciated securities unchanged, according to Joe Donovan, tax director at Lutz.

It also increased the standard deduction to $12,200/$24,400 for single/married taxpayers in 2019 from $6,350/$12,700 in 2017.

With state and local taxes capped at $10,000 and with medical expense deductions being limited to only a few families, it doesn’t make sense for people who own their homes to itemize charitable deductions unless they gift over $14,000, according to Thomas Foley, managing director and private wealth advisor at HighTower Omaha.

One method of giving that’s attracting lots of interest is the donor-advised fund, in which a private foundation handles the administration — the necessary legal work — but the donor can still direct the gifting.

“Most communities have a foundation, and a number of companies and entities also have a foundation that people can leverage,” Foley said. “There are also companies that specialize in this. You can sell your business, highly appreciated security or piece of real estate where some of that is actually sold through the donor-advised

Donovan Foley fund vehicle.”

Such transactions will allow donors to avoid capital gains on the piece that is sold via the donor-advised fund and receive a current year tax deduction to help offset the sale of their business and create a pool for gifting in current and future years — all while simultaneously driving a higher level of tax efficiency that will enable them to capture and not just burn up some of the gifting being used to get over the standard deduction amount.

Donovan said the IRS requires donors to obtain written acknowledgement of all gifts exceeding $250.

“If you don’t receive a receipt from the charity, request one for your records,” he said. “Also keep in mind that the tax rules associated with charitable giving are complex. Taxpayers should consult a tax adviser if they want to maximize the tax benefit associated with their charitable giving.”

“In a broad sense, one way people

can try to mitigate t h e e ff e c t o f t a x law changes on the amount they can deduct is to engage in a strategy called charitable bunching,” said Sean White, a partner at Cline Williams.

Instead of making a donation to White a charity or set of charities every year — because the donation might not rise to a sufficient level to itemize — donors can make three years’ worth of charitable contributions every third year. This strategy would raise donations to the level where they could itemize and take the deduction.

“They can do that by giving directly

to the charities every three years or by setting up a donor-advised fund (DAF) and every two or three years giving the full amount to the fund and then having the DAF direct [the money] to grants and charities the donors normally would have given to,” White said.

Another way to give is through a qualified charitable distribution. Individuals who have certain types of qualified retirement plans, like IRAs, and who meet certain qualifications can direct a donation coming out of the plan go directly to a charitable organization. That way they can avoid tax liability because they did not first receive those assets themselves.

“One requirement is that they must be 70 and a half or older in the year you [make the contribution],” White said. “Even if they can’t itemize, they can avoid being taxed on the contribution.”

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• NOVEMBER 1, 2019 • Midlands Business Journal

E-commerce continues to grow, leads to high demand for office space

by Gabby Christensen

The e-commerce industry is certainly driving demand for office space and experts say this trend isn’t expected to slow down any time soon.

Sam Andres, vice president at CBRE, said e-commerce will continue to increase the demand and will ultimately drive changes in logistics and distribution.

Additionally, Andres said e-commerce occupiers are attracted to the newer larger buildings with higher, clear ceiling heights giving improved efficiency.

“According to a recent CBRE research study, 1.25 million Andres square feet is needed to support each $1 billion in e-commerce sales and 9% of total retail sales are e-commerce related and rising,” he said.

Grant Kobes, associate at NAI NP Dodge, said the strong demand for warehousing space can still be attributed to retail sales.

“According to the U.S. Census Bureau, 10.1% of all retail sales came online in the second quarter of 2019, so the majority of products in the U.S. still follow a traditional supply chain to the end consumer,” Kobes said. “E-commerce sales leave a warehouse bound directly for the consumer, where products sold at a traditional retail outlet must go to the store, then to be purchased by the consumer.”

He said warehouses designed for e-commerce sales are highly sophisticated to track thousands of individual products and orders to ensure fast and accurate delivery.

“Historically, warehouses were designed to

Micah Yost, founder of Populus. move huge quantities of a few products,” Kobes shared amenities, such as conference rooms, said. “Warehouse design and flow is extremely printing, social spaces, internet, gym access, important for large e-commerce retailers that are game rooms, mail and package service, collabolooking to increase their delivery speeds, and re- rative environment and furniture,” he said. “The duce costs. With e-commerce sales, many of the co-working models help companies specialize employees that would be on a retail floor helping on their business while providing very flexible customers, are now in office space taking calls membership or leases to allow for growth or and answering emails from customers, creating temporary use of the spaces.” more demand for office space and less demand Micah Yost, founder of Populus, said for large footprint brick and mortar retail.” e-commerce has driven a transition in how reNathan Greteman, senior associate at tailers operate, which has created a significant Colliers International, said co-working spaces change in the use of commercial real estate. are a great solution for growing e-commerce “The most obvious example of retail change companies and traditional small businesses. is the mass-exodus we’ve seen from the once “There are a variety of co-working models thriving shopping malls,” he said. “This change, but the concept is boiled down to providing though, has also given rise to a number of small individuals and companies a place to work with retail operators.”

While the face of retail is changing, Yost said that doesn’t mean consumers have stopped shopping.

“Starting a retail business once required expensive inventory purchases and long-term lease liabilities, but this is no longer the case,” Yost said. “Today, a retailer can use many just-in-time inventory services and an online storefront to keep startup costs significantly lower.”

Yost said these changes to retail create a different type of office user.

“While these users may not need large retail spaces, many of them still need office Kobes space for their operations,” he said. “This change in one of the many market adjustments creating a need for smaller, short-term, flexible office. Online retail operations have less overhead and smaller teams.

They need an office solution that matches their business model.”

Today, Yost said coworking is a $26 billion industry worldwide, while commercial real estate is a $260 trillion asset class.

“Coworking only has a one percent market share,” he said. “It’s small, but growing rapidly.”

According to Yost, something growing that rapidly in a massive industry is poised to have a major impact.

“The reason coworking is growing quickly is because it allows for the flexibility that many of today’s business owner’s need,” he said. “You can do millions of dollars of business online with little warehouse needs and no storefront.”

Midlands Business Journal • NOVEMBER 1, 2019 •

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Equitable Bank eyes Elkhorn to strengthen market presence Continued from page 1. also be staffed by trained personnel who can build and develop a one-on-one relationship with the customer.

“It’s the little things that add up in building the customer relationship,” he said. “Answering the phone call on the first ring, offering the person who walks into our office a beverage and greeting them appropriately remain important and help differentiate our services from those of our larger competitors.”

Traditionally, community institutions such as Equitable Bank have grown via placing a strong emphasis on operational efficiencies and minimizing overhead by making more judicious decisions regarding branch expansions.

“It’s enabled us to best compete with the larger banks and it is done with the knowledge that we don't have as much room for error,” Nodgaard said.

The Omaha native and former three-sport standout at Wayne State College from where he received his business and finance degree in 1984, said a large reason for the Elkhorn branch

is “deposit capturing” in a fast-growing area of western Douglas County. Remote deposit and check scanning services will be among the services offered.

In addition, Equitable Bank’s main Omaha location at 10855 West Dodge Road, Suite 110, has grown to include 13 of the firm’s 80 employees. More space was needed.

Equitable Bank’s trade area includes all of Nebraska and Pottawattamie County in Iowa.

In addition to Omaha, Equitable Bank has locations in Grand Island and North Platte.

All of its growth has been organic. Over the past six years, Equitable Bank’s stock price has increased from $2.75 per share to $12.35. The firm went public in 2005 when it moved into the Omaha market.

“Our research shows that if we retain our current market share in Omaha we will get a 3% to 4% growth annually,” Nodgaard said.

He said Equitable Bank is attracting a younger demographic in both customers and employees. The firm has offered full-time employees with at least one year of service partici-

pation in an employee stock ownership program, Most Omaha commercial lending agreea decision that Nodgaard feels encourages a ments are in the $200,000 to $300,000 range. greater degree of employee engagement with a “There are plenty of growth and expansion pride in ownership. opportunities here in “We stress consis- Equitable Bank this range,” he said. tency in the delivery of Phone: 402-827-8100 “We want bankable our services,” he said. Address: 10855 West Dodge Road, loans where we don't “Answering the phone Suite 110, Omaha 68154 take as much risk.” on the first ring is part Services: community bank The convenience of of our commitment and Founded: 1882 as Grand Island Building services such as remote rarely do I get a voice- & Loan Association capture and other simmail — something I've Employees: 80 statewide (13 in Omaha) ilar services have been found to be really inef- One-year goal: Open Elkhorn area important to the growth ficient.” office. of the institution in About 75% of Industry outlook: Opportunities exist for Omaha, Nodgaard said. commercial loans are community banks that emphasize consisAttention is also made for real estate. tency in personalized service delivery. being paid to customers Transactions include Website: www.equitableonline.com that use one product or industrial buildings, service, but could be apartment complexes, office spaces, and busi- persuaded to expand their overall service use nesses such as dental and physician practices with the bank. that are changing hands.

“We don’t have any shortage of loan reEquitable Bank has a large number of truck- quests with merit,” Nodgaard said. ing industry clients.

Equitable Bank’s own branded debit card was introduced a year ago. A 1% cash-back feature is included.

Nodgaard said the bank has steered clear “We will be completely compliant by Jan- of automated underwriting, and because of the uary, and it’s basically a higher-level tracking lower profit margins, doesn't do many car loans. capability for aircraft — we have to upgrade He started his banking career in Neligh and and be compliant by January 2020,” he said. gained additional insights into bank manageHaller described the aforementioned on- ment with each position he held with institutions board blood-carrying capacity as among those in the Lincoln and Omaha areas. Responsibili“latest and greatest” initiatives that Air Methods ties included mortgage collection, credit analysis consistently seeks out as standout critical com- and lending, among others. munity services and to stand out competitively.

Nodgaard has been active in Omaha Morn“It’s definitely a very competitive industry, ing Rotary and as an Elkhorn area youth baseball and the area is fairly saturated with aircraft,” coach. He is a member of the Omaha South High he said.

Hall of Fame.

Air Methods provides lifesaving care with help from critical partnerships Continued from page 1. and air-ready aircraft. So, they’re able to be off F. Haller, who oversees operations in areas the ground in under 10 minutes to head toward including Nebraska and southwest Iowa. “The that patient in their time of need and to get that patient can get to a higher level of quality care level of care in that golden hour. The key is sooner if we’re able to administer the blood providing those life-saving services when there during the flight and, from a trauma perspec- really is no other way that they could get that tive, if we’re picking up from an Interstate higher level of care in an hour.” … and there has been According to Air excess loss of blood as Air Methods Methods information, the result of a traumat- Phone: 402-895-2138 85 million Americans ic accident or injury, Address: 15030 Giles Road, Omaha reside more than an we have blood on the 68138 hour’s drive-time from aircraft. So, it’s really Service: lifesaving emergency air medieither a Level I or Level quite an advantage for cal transport and treatment II hospital, the former us as we come up on Founded: 1980 by Roy Morgan in of which refers to a a traumatic situation Colorado trauma center, whereas where we need blood Website: www.airmethods.com the latter references immediately.” a critical care facility From its Denver-area headquarters in (treatment of conditions such as heart attack, Greenwood Village, Colorado, Air Methods pro- pneumonia). vides emergency transport and treatment across Company spokesperson Megan Smith the United States map; its Heartland footprint indicated the need (and the aforementioned spans fixed-wing (airplane) and rotor-wing air- number of Americans) will continue to grow as craft (helicopter) assets in Omaha, North Platte, “we see more and more rural hospitals closing.

Fremont, Crete, Norfolk, and Clarinda, Iowa.

We need to be able to get them to those urban One of those rotorcrafts is in partnership medical centers.” with Children’s Hospital & Medical Center, Patients and families are already in an inwith the other assets representing “communi- credibly high-stress situation. So, the company ty-based” operations. has in recent years added dedicated patient ad“We won that contract with Children’s five vocates to provide support and resources related or six years ago,” Haller said. “Children’s is to the post-transport insurance billing process. probably the biggest one that we’ve converted “We really promote what we call patient in Nebraska specifically.” advocacy,” he said, when asked about the The ability to win such large contracts memberships that are offered by others in their comes down to a number of differentiators — space. “We don’t supply and market memberNo. 1 being summed up with “safety.” ship in these programs, because we don’t think “We invest a tremendous amount of money that it’s necessary. We work with patients, so in flight safety,” he said. their out-of-pocket expenses are the lowest that Reportedly, its investments in safety pro- they can be.” grams and technologies have totaled more than Haller indicated the dedicated Patient Advo$100 million in the past five years. cate Department is relatively new to the industry Its safety record and level of clinical and and organization. critical expertise, represented by Air Methods’ “It’s driven by some of the changes in the investments in education and training, also overall landscape and reimbursement rates,” he represent key differentiators to “deliver the best said. “Certainly, a big piece of what we do today patient care in a flying ICU.” is working with each individual patient, to make “We provide a service to rural communities sure we’re not putting undue strain on them.” and counties around the state, to get them access Haller also referenced investments in federal to a higher level of tertiary care in what we call Automatic Dependent Surveillance-Broadcast that ‘golden hour,’ when they have a traumatic (ADS-B) compliance, described as no small event in their lives,” Haller said. “Every one of task when one has a fleet spanning more than those bases has a pilot, nurse medic, mechanic, 300 aircraft.

10

• NOVEMBER 1, 2019 • Midlands Business Journal

Outlook Business Solutions expands opportunities for blind professionals Continued from page 1. joined Outlook Business Solutions. edge-based professionals who happen to Now Outlook Business Solutions has be blind or visually impaired,” said Vice six on staff at the office, including two who President Natalie Hadley, who leads this have vision loss, and 10 to 12 freelance startup business under the umbrella of Out- workers who are visually impaired. look Collaborative.

The goal of the A s p a r t o f r e - Outlook Business Solutions company is to have structuring to fur- Phone: 402-614-3331 50% of billable ther the company’s Address: 4125 S. 72nd St., Omaha hours fulfilled by m i s s i o n , O u t l o o k 68127 a visually impaired Collaborative was Service: social enterprise that actively knowledge-based recently formed as seeks knowledge-based professionals workforce. the parent organi- who are blind or visually impaired to help Freelance workzation of Outlook small- to mid-sized businesses with cusers are located in Nebraska, Outlook tomer care, marketing, website accesOmaha, Portland, Business Solutions, sibility testing and virtual administrative Atlanta and Kansas Outlook Enrichment assistant tasks City. and Outlook Proper- Founded: 2018 Word about emties. Eric Stueckrath Employees: 6 at the office; 10-12 freeployment opportuserves as president lancers nities is spreading and CEO of Outlook Goal: Expanding offerings of website throughout the blind accessibility testing and virtual adminisCollaborative. community via netO u t l o o k B u s i - trative assistant tasks. working, social ness Solutions re- Website: www.outlookbusinesssolumedia — namely cently expedited its tions.com LinkedIn — as well vision to include seras participation in vices beyond the initial call center, adding various podcasts like Beyond Blindness marketing, website accessibility testing and Blind Abilities by Hadley and the comand virtual administrative assistant capa- pany’s Senior Specialist Public Relations bilities to help small and medium-sized Rachel Carver. Hadley receives a couple businesses. of resumes a week through the company’s “The idea behind Outlook Business website, although not all job seekers are Solutions and the reason it has that name visually impaired. is that they wanted to leave it broad “Because we’re owned by a nonprofit enough where it could encompass any whose mission is to positively impact evsort of knowledge-based job that could be eryone who is blind and visually impaired, performed by somebody who’s blind or we give preference to those who are visuvisually impaired,” Hadley said. ally impaired,” she said.

While adding marketing services had Skills and services include writing, been a goal after the call center ramped marketing strategy, graphic illustration, up, Hadley proposed a quicker expansion graphic art, photography/videography, of its additional services. Her proposal virtual administrative assistant and website was approved this past March, and the accessibility testing. marketing team from Outlook Nebraska “This is not a sheltered workshop;

these are skilled professionals. Some of them were born with their eye condition, some of them experienced loss of sight later in life,” she said. “You look at a lot of the professionals that are doing work for Outlook Business Solutions — they manage their everyday lives. They are paying their bills, they are doing their banking, they are doing their work, they are raising their children. They know how to adapt to the sighted world.”

In fact, Keith Rosson, one of the company’s freelancers in Portland who has only a 25% field of vision and is legally blind, has created album and T-shirt designs for Green Day and the Goo Goo Dolls.

Another freelance worker who was previously an oncology nurse and lost her sight later in life has struggled because her high-level skills and training weren’t being used.

For “people who have had to change careers — [it] can be really traumatizing for somebody who loses their sight later in life,” she said. “There’s a lot of depression, there’s a lot of anxiety.”

Hadley noted that employers will sometimes shy away from hiring a person with disabilities because they are worried that they will need to make specific accommodations, or question whether they can do the job.

However, she said employers should just ask what they need.

“Whether that’s magnification software or a device, whether that’s screen reader software or whatever that is, they’ll tell you what they need,” she said. “Regardless of whether it’s more of a manufacturing-based job or a knowledge-based job, we have people in other places in the organization who have lost their sight later in life and spent years not working, looking

for employment. And I’m not talking two to three years, I’m talking seven, eight, 10, 12 years that they looked for a job or felt like they couldn’t work.”

Another challenge is changing how people perceive blindness.

“Sighted people I think tend to assume that if somebody’s blind, they were born that way,” she said. “That if somebody’s blind they’re completely blind. [But] they might be legally blind.

Sighted people don’t view vision loss as a spectrum.”

What people might not know is that one in four is at risk of severe vision loss because of an aging population and macular degeneration or diabetes and diabetic retinopathy.

“Those come later in life and people can be mid-career and all of the sudden find out that they’re losing their sight, and that can be very gradual [or] it can be very sudden,” she said. “But it certainly is going to make a difference in how you perform your work, what kind of work you can do, what your employment opportunities are.”

Hadley anticipates huge growth with the company’s website accessibility testing expertise because business websites will need to comply with the Americans with Disabilities Act (ADA). Another big reason: businesses who don’t have accessible websites can lose potential customers.

“Blind people have jobs and blind people have disposable income, and businesses who knowingly choose not to be accessible are really just cutting out a whole potential target market for themselves,” she said.

Outlook Business Solutions has performed some pilot tests with a couple of companies in Omaha, testing websites for accessibility — especially with screen reader software and fillable PDFs. There is software available that will test websites, but it only catches about 25-30% of problems “so you actually need somebody who uses that screen reader every day to go through your site, to go through your PDFs,” she said.

For example, one of the companies they’re working with had a blind woman in their call center but the PDF she needed to fill out with information wasn’t accessible.

“We’re working with them so that she can be a fully productive employee and all it takes is a little work on making the PDF accessible as well to the screen reader,” she said.

Another area of growth is the virtual administrative assistant offering.

“That’s something that we’ll be looking at in the future,” she said. “Some of that could be a combination of a call center where maybe we’re offering to answer phones for businesses after hours or play that virtual receptionist [role]. But also, just basic administrative tasks like formatting a Word document, creating a PowerPoint presentation, maybe even some simple bookkeeping.

“Where we’re looking is that smalland mid-size business that really has projects that they can’t get to, that they don’t have the skills in house to do and we’re confident that once they’ve used us for a job or two they will bring us more work because the people we have are really good.”

Midlands Business Journal • NOVEMBER 1, 2019 •

11

Hackers hover near online shopping carts, too. It’s called e-skimming

by Susan Tompor

We all know we need to be on the lookout for skimming devices that crooks install at the ATM or at the pump at gas stations.

But just in time for the holiday shopping season, we’re now being warned that the hackers are watchCybersecurity ing our online shopping carts, too, in order to steal our credit card and debit card information.

Cyber criminals are getting our data in real time, which can make that information more valuable in the underground market.

“It’s fresh credit card data that’s being SUPER CROSSWORD

Answers on page 12.

exfiltrated,” said an FBI special agent on the cyber task force.

“When the consumer submits their purchase to that e-commerce site, it goes through properly,” the agent said.

“But it also gets siphoned off to a server that’s controlled by the cyber actor.”

The consumer wouldn’t know there was a problem because they get the product or service they ordered. But further down the line, the bank or credit card company spots fraudulent activity after the fact.

The FBI said it is seeing a number of e-skimming cases open up across the bureau, including some Michigan-based companies DO YOU WANT TO?

that have been affected by the compromise.

Such theft can happen whether you’re buying something online through a legitimate website or mobile app. Big names that have been targeted include the online store for the National Baseball Hall of Fame, which had a malicious payment code running between Nov. 15, 2018, and May 14, 2019.

What’s worse: It may be very difficult for a consumer to actually detect compromised websites that have been hit by an e-skimming scheme.

Unfortunately, you’re not going to be able to spot any odd gadgets or hardware that are used in the process, like you might with a skimmer installed on an ATM or gas pump.

It’s the next new wave for collecting stolen data to fill the shelves of the cyber black market.

“Any business accepting online payments on their website is at risk of an e-skimming attack,” according to an October alert from the Federal Bureau of Investigation office in Detroit.

Cyber criminals introduce a skimming code on e-commerce payment processing web pages to capture credit card and information such as your name, date of birth, account numbers, passwords and location information, the FBI said.

Targeted businesses include retailers, ticket selling sites, travel-related companies, utility companies and the vendors who provide online ads and web analytics.

“The increasing sophistication of these fraudsters could expand the e-skimming threat to other types of businesses, including the health-care industry,” according to the FBI alert.

Security experts are noticing a wave of what’s called Magecart attacks — the name used for widely distributed malicious software used by cyber criminals — and the threat could rival the well-known compromises of point-of-sale systems of retail giants such as Home Depot and Target, according to RiskIQ, a San Francisco-based cyber security company that helps businesses protect against outside-the-firewall threats.

Digital skimming operations are very attuned to how a real company’s payment page looks and can blend in with normal payment processing to avoid detection.

“Customers have no way of detecting Magecart,” according to Mike Browning, senior manager of content and public relations for RiskIQ. Major companies have been caught in the digital web-skimming trap — including breaches at British Airways and Ticketmaster. Ticketmaster was compromised via a third-party analytics supplier; British Airways was compromised directly.

Who’s running e-skimming schemes?

Many of the bad actors operate out of Eastern Europe. Some groups sell the stolen credit card data on the Web. At least one group has used a complex re-shipping scheme to make money, Browning said.

Browning said one scheme uses phony job postings in Russian language newspapers distributed in the United States. The pitch promises a way to make money by buying goods with stolen credit card data and shipping them to Eastern Europe so that the Magecart actors can sell the goods elsewhere for a profit.

“This is a lucrative and efficient way to intercept lots of valuable credit card numbers in a short period,” Browning said.

How does it work?

Typically, the scammers exploit weak links in a company’s e-commerce platform.

In many cases, a consumer can be re-directed to a malicious domain where the skimming code can capture the customer’s information from the checkout page.

The skimming code would capture your information in real time and send it to remote server where the data is collected by the criminals behind the scene. The consumer’s credit card data would either be sold or used to make fraudulent purchases from that point going forward.

Experts say the stolen data can be found for sale on the Dark Web where it is acquired to create counterfeit cards, launch phishing attacks and commit other types of fraud.

In many cases, a security firm ends up notifying the retailer or other business that their site has been hacked. And much later, consumers may hear about big data breaches.

Given that the credit card or debit card information is stolen in real time, cyber criminals know they have a live card — not a number that’s already been cancelled.

“It shows that it’s a viable card and it has monetary value to it,” said Dave Lewis, global advisory chief information security officer at Ann Arbor-based Duo Security.

The value on the Dark Web could range from a few cents a card to $4 a credit card number, he said.

“They deal in hundreds of thousands of cards at a time,” Lewis said.

Lewis said he doesn’t find the latest twist surprising.

“This is the natural evolution of the attacker,” he said. “Nowadays, they understand these websites are processing millions of dollars in transactions.”

What should consumers do?

Adam Levin, founder CyberScout, said consumers should understand that more e-skimming attacks may be planned for the months ahead.

“There is often a spike in cyber attacks and fraud during the holiday season, and this year will be no different,” Levin said.

It is hard to avoid being e-skimmed as you shop online, Levin said. But several steps Continued on next page.

On To College Continued from page 2. about making sure the college counselor at Millard South High School with 400 students has the tools necessary to reach as many kids as possible. We give them books, videos, worksheets for their students to maximize the likelihood that every one of those kids gets to the right post-high school destination at the right price. We feel strongly that every family should have those same tools.”

With all the change that has come to the company, Baylor said OTC still fulfills what he is most excited about and that’s teaching others.

“Now that we’ve got an army of 20 terrific professionals and an army of teachers it allows me to really focus on what I love to do and what I do best, and that is teach and motivate, to work with students,” he said.

“I get the joy of going in and working with staff and working with students to help create that future-focused culture and the happy academic outcomes that result.”

12

• NOVEMBER 1, 2019 • Midlands Business Journal

Wine country is struggling to attract visitors. Fires and blackouts aren’t helping

by Hugo Martin

Before it burned to the ground during the 2017 wildfires, the tasting room and headquarters for the Signorello Estate winery in Napa County, Calif., was an ivy-covered, two-story edifice on a hillside, overlooking an expanse of oak trees and Trends vineyards.

Although a new tasting room and adjacent business offices have yet to be built, the winery has continued to grow grapes, make wine in an off-site facility and host wine tastings under nearby tents and in a mobile facility.

“The silver lining is we lost some buildings but we didn’t lose any vines,” said Ray Signorello Jr., proprietor of Signorello Estate.

“The grapes and winemaking has been largely uninterrupted.”

But like many of his fellow winemakers, shopkeepers and restaurateurs who survived the 2017 wildfires in Napa and Sonoma counties, Signorello struggles to get the word out that one of the world’s premier winemaking regions remains open for business and eager to host visitors.

That effort has been hampered lately by a wildfire that broke out in northern Sonoma County recently and by the decision by Pacific Gas & Electric to shut off power in the region intermittently during high-wind days to help prevent another fire disaster.

The stakes are high.

In both Napa and Sonoma counties, tourism ranks among the top industries, with more than 40,000 combined jobs directly dependent on visitors. Spending by tourists generated more than $4 billion to the econo-

mies of the two counties last year, with most of the money spent on lodging.

In Napa County, tourism ranks second only to the wine industry as a top employer.

The challenge, local tourism leaders say, has been crafting a promotional message that encourages visitors to return without reminding them about the current fire threat or the 2017 conflagration that killed at least 43 people, destroyed about 8,400 buildings and charred more than 245,000 acres.

“We have been trying to showcase what a beautiful spot this is,” said Linsey Gallagher, chief executive of Visit Napa Valley, the tourism organization for Napa County.

The 2017 fires made headlines and generated dramatic television footage across the country, but fewer than 20 of the 900 or so wineries in Napa and Sonoma counties suffered significant damage. Most restaurants, shops and hotels also survived unscathed and many of those that were damaged or destroyed have been rebuilt.

The latest visitation numbers and hotel occupancy rates suggest that some areas of the wine region have rebounded from the disaster, while others continue to suffer.

Napa County welcomed 3.8 million visitors in 2018, an 8.9% increase compared with 2016, while visitor spending rose 15.9% to $2.2 billion, according to an economic impact study released in May. Gallagher said her organization has not collected economic data for 2019 but anecdotal evidence suggests the business climate remains strong.

“That tells us that people are staying longer and spending more,” she said.

In neighboring Sonoma County, the tour-

Hackers hover near online shopping carts, too. It’s called e-skimming Continued from prceding page. can be taken by consumers to protect themselves in the event of such hacking attacks.

Levin and other experts suggest that consumers don’t use debit cards to shop online, as bad actors would have easier access to your checking account — and you could have a much harder time straightening out problems with your bank account.

Even when you use a credit card, it may be wise to take other precautions. Avoid entering credit card details into a website. Large stores, such as Amazon, will store your card in your account, so you don’t need to enter it into a web form where a Magecart skimmer might be lurking, Browning said.

“Larger stores like Amazon are generally safe — breaches of giant online marketplaces could happen, but they dedicate such a significant amount of resources to security that it would be extremely unlikely,” Browning said.

Even so, entering your credit card once is safer than entering it repeatedly.

Small shops now offer Amazon Pay, which allows you to avoid potential skimming by paying via the card stored in your Amazon account rather than manually entering your credit card details, Browning said.

Another way to avoid entering your card details is by using Apple Pay, PayPal, or a similar mobile payment system, which send a sort of one-time token of your credit card information. Even if Magecart happens to skim the token, Browning said, they can’t

access the associated credit card information.

Services like PayPal ensure you never have to enter your information into an e-commerce site directly.

Lewis of Duo Security said he’d also suggest that online shoppers avoid clicking on banner ads for a specific store or product to avoid any malware-injected pop-ups. Instead, he said type the web address in yourself.

Other tips for consumers include: -Shop on well-known, reputable sites.

-Use one-time-use credit cards, which can be skimmed without consequence.

-Enable two-factor authentication for all connected devices.

-Use strong passwords that are unique to the websites and accounts they unlock.

Change passwords frequently.

-Activate transaction alerts on all credit cards and bank accounts for free.

-Consider freezing your credit to prevent the creation of new accounts.

-If you’ve been notified of such breaches, you may want to get a new credit card issued by your bank with a new account number.

-Pay careful attention to your credit card statements and bank account statements to spot any signs of misuse.

-File a detailed complaint at the Internet Crime Complaint Center — www.ic3.gov — if you have been a victim of e-skimming or other cyber fraud. ©2019 Detroit Free Press Distributed by Tribune Content Agency, LLC.

ism industry has suffered. Hotel occupancy rates in the county are about 4% below the levels of 2018 and retail sales figures have dropped about 5% in the same period, said Claudia Vecchio, chief executive of the Sonoma County Tourism agency.

“I believe we are still impacted by those fires,” she said.

As a result, Sonoma has had to rely on a more direct message.

Before the 2017 fires, Sonoma County promoted the natural beauty, food and relaxed atmosphere of the region, with the campaign tag line “Life opens up.” Now, the region is turning to less-subtle appeals, with promotions that list visitation packages, she said.

The organization is conducting a survey of potential visitors throughout the state to gauge what type of new marketing campaign Sonoma County should launch in the coming months.

“That will be telling, for sure,” she said.

Crisis management experts suggest local tourism leaders in the wine country should consider embracing the 2017 fire disaster as a reason for tourists to visit.

Dan Hill, chief executive of Hill Impact, a crisis management firm in Washington, D.C., said the region could try to appeal to the charitable nature of tourists. He noted that was a primary reason why Puerto Rico has enjoyed an uptick in tourism in the two years after Hurricane Maria struck the island.

“People will go to that region because it has been devastated,” he said. “I can see a fraction of the public going specifically to help them recover.”

Napa County has no plans to try such a campaign, Gallagher said.

“That is not the direction we would be

heading in,” she said. “Consumers need to move on from that and feel the safety of the destination.”

Winery owners and restaurateurs in both counties say they are sticking to advertising and social media campaigns that promote the positive elements of the region without hearkening to images of the fire.

The Kendall-Jackson Wine Estate and Gardens in Santa Rosa, which had lost no buildings or vineyards in the fire, has been promoting its “farm-to-table” dinner offering, plus a new boccie ball court and picnic areas.

Kristoffer Miller, the tasting room manager at Kendall-Jackson, acknowledges that sending out a positive message has been difficult, especially with PG&E shutting off power during windy days in hopes of preventing another wildfire.

“It does remind people of the fire and it makes people scared, and that is impactful to the business,” he said.

In Santa Rosa, Willi’s Wine Bar reopened in May in a new site after the previous location burned during the 2017 fire. Business has rebounded and about 70% of the previous staff has returned, said Terri Stark, who along with her husband, Mark, owns six restaurants in Santa Rosa and Healdsburg, both in Sonoma County.

The message to visitors and locals, Stark said, is “we are back and picking up where we left off.”

But she conceded that the power outages and the latest fires are making it difficult to stick with a positive message. “For me, moving on is the best coping mechanism,” Stark said.

At the Cardinale Winery in Oakville, Continued on page 22.

SUPER CROSSWORD PUZZLE ANSWERS

Puzzle on page 11.

Midlands Business Journal • NOVEMBER 1, 2019 •

13

Trump’s latest tariffs will affect your holiday cheese, olive oil, wine

by Jessica Yadegaran

That pecorino you were planning to grate into your holiday risotto? Or the wedge of manchego displayed on your Christmas cheese board? Start hoarding them in the freezer. By the holidays, prices are expected to go up.

Economy Recently, the Trump administration slapped 25% tariffs on $7.5 billion worth of European goods, including many popular cheeses and other products, like French wine and Spanish olive oil. With the holidays looming, Bay Area importers and distributors are scrambling to assess the potential impact of the new tariffs.

But retailers, especially small business owners, like Fred Zanotto of Zanotto Market, know the reality. “If it’s a 25% tariff, we’re going to increase our prices by 25 percent,” says Zanotto, who owns four stores and a deli in the San Jose, Calif., area. “It’s going to be inconvenient for us and our consumers. But we do what we have to do.”

The tariffs, which went into effect Oct. 18, are in retaliation for illegal subsidies that the EU provided to Airbus, the European plane maker. They are intended to help the United States regain some of the losses that a U.S. plane maker, Boeing, sustained because of these trade practices. Yes, that’s correct. Planes for pecorino.

“It’s makes no sense,” says Sara Baer-Sinnott, president of Old Ways, a Boston-based nonprofit food organization that advocates for traditional foods, including cheese. “It’s our government trying to balance trade with Europe, but it doesn’t go together, airplanes with foods people love.”

Nevertheless, just in time for holiday entertaining, cheese lovers will likely face sticker shock at the cheese counter for their manchego and Parmigiano-Reggiano — a hard cheese that already fetches $17 to $30 per pound, depending on age — as everyone in the supply chain scrambles to offset costs in the busy months ahead.

“We’re in a holding pattern,” says Amanda Parker, managing partner of Tomales Bay Foods, a California distributor that imports a few items, including Parmigiano-Reggiano. “Most of our partners are holding tight with the holidays coming up and offering to split the difference on some of their products, because $40 a pound for Parmigiano is not tenable. But the timing couldn’t be worse.”

Even deciphering which cheeses are victims of the levies and which escaped the government’s list, which is loaded with technical jargon — “Swiss or Emmentaler cheese with eye formation, nesoi, not subject to gen. note 15 or to add. US note 25 to Ch. 4” — is difficult. Provolone is on the list. French blues are not, but blueveined cheeses from Italy, Spain and the U.K. are. Huh? Cheese expert and cookbook author Janet Fletcher called it “cheese gerrymandering, with lines drawn between the taxed and the untaxed for no legitimate reason,” on her blog, Planet Cheese. If the products subject to the tariff were chosen intentionally to put pressure on the EU, then in theory, you would target products that will have a big economic impact, Fletcher says.

“But the fact that many important EU cheeses, like French brie, are not on the

list shows that lobbyists were all over this,” she said via email. “The industries and companies with effective lobbyists got their products exempted. At least that’s how it looks to me.”

As confusing as the list appears, there is some logic. The tariffs take obvious aim at European products that have cultural status — like Italian pecorino or Scotch whisky — and fetch premium prices. But tariffs are also meant to protect American producers by encouraging the purchase of domestic goods, says Richard Armanino, director of sales for Italfoods, a Bay Area importer located in South San Francisco.

“Prosciutto (cured ham) is not on the

list because U.S. producers couldn’t fill that void, but prosciutto cotto (cooked ham) is on the list because we make enough to sustain the demand here,” he explains.

Still, the holiday timing is going to hurt.

To offset costs, Armanino is trimming marketing and tightening some producers’ cuts to support a low price.

“The goal,” he says, “is to find ways to minimize the end impact for chefs, restaurant owners, retailers and ultimately consumers.”

For Alma Alvalos, the cheese buyer at Market Hall’s Cheese Counter in Oakland, Calif., it’s too soon to tell how the tariffs will play out. But she’s prepared: Alvalos

doubled her November orders at the pre-tariff price, and when those shipments arrive she will stockpile her customers’ favorite Goudas and hard Italian cheeses in Market Halls’ refrigerators.

“I have enough cheese for this month and next month, but December is going to be different,” she says. “I’ll just have to work with my distributors and importers because I want my customers to be comfortable with the pricing. That’s the most important thing.” ©2019 The Mercury News (San Jose, Calif.)

Distributed by Tribune Content Agency, LLC.

by Katia Dmitrieva

spurred growth. However, key indicators, such as business investment in equipment and machinery, have cooled lately despite incentives from tax policy. In addition, the trade tariffs are causing businesses to become hesitant with spending, while research has shown that the tax cuts are most favorable to higher-income Americans.

The president has repeatedly blamed the Federal Reserve for hampering the economy by raising interest rates too high last year and failing to cut quickly enough. The central bank is projected by economists to cut interest rates for the third time in three months. Officials may also telegraph that they are likely to pause for some time before making another rate move.

Fed Chairman Jerome Powell has repeatedly warned that the U.S. is on an unsustainable fiscal path. But economists are revisiting traditional ideas about how much debt can be issued, and markets don’t appear worried.

Democratic candidates seeking to challenge Trump in 2020 are pushing plans to widen access to health care and education that could cost trillions of dollars. And yields on U.S. Treasuries have fallen sharply this year to the lowest level since 2016 amid a weaker growth outlook as well as investors seeking better returns than even lower-yielding bonds from overseas.

Tariff Revenue The deficit may have exceeded $1 trillion had it not been for the trade war with

China, where Trump has escalated levies over the past year. The customs-duties revenue represented a 71% increase from 2018, as American companies paid more at the border for Chinese imports, steel and other goods. While the countries came to a preliminary agreement that’s delayed at least one planned increase in levies, current tariffs aren’t being rolled back yet.

Government outlays have provided a sizable boost to U.S. GDP amid a slowdown in business investment. Federal spending rose at an annualized pace of more than 5% in the first half of the calendar year, more than double growth in the economy as a whole, according to the Commerce Department. That was helped particularly by military spending.

The tax cuts have also been credited with helping juice economic growth last year. Yet the effects of the reductions have since faded.

Even without the tax cuts and higher defense spending, outlays are increasing at a relatively fast clip. Mandatory allocations, which include Medicare and social security payments, are growing amid an aging population and with one of the world’s least efficient health-care systems.

Interest payments are also adding up, now comprising about 8.4% of total outlays.

(With assistance from Saleha Mohsin and Kristy Scheuble.) ©2019 Bloomberg News Distributed by Tribune Content Agency, LLC.

US annual budget deficit nears $1 trillion with 26% increase

The U.S. budget deficit widened to almost $1 trillion in the latest fiscal year, surging to the highest level since 2012 as President Donald Trump cut taxes and boosted spending.

The gap increased by Economy 26% to $984 billion in the 12 months through September, representing 4.6% of gross domestic product, the Treasury Department reported recently. The fourth straight increase confirms that the deficit under Trump is on pace to expand to historic levels.

Few economists outside the administration expect the GOP’s $1.5 trillion in tax cuts to deliver a sustainable economic boost that would narrow the gap. The deficit — which has little precedent at these levels outside recessions or wartime — is set to widen further as spending increases for mandatory programs and interest payments.

The ballooning gap has stirred vigorous debates over how much the government can borrow and spend without driving up interest rates or inflation. At the same time, price gains and yields remain historically low despite the expanding deficit.

For the 12-month period, spending rose 8.2%, the most since 2009, totaling $4.45 trillion on increased outlays for the military, health care and education. Revenue advanced 4% to $3.46 trillion, helped by $70.8 billion in customs duties. For September alone, the surplus was $82.8 billion, compared with $119.1 billion a year earlier.

“President Trump’s economic agenda is working,” Treasury Secretary Steven Mnuchin said in a statement accompanying the release. “In order to truly put America on a sustainable financial path, we must enact proposals — like the president’s 2020 budget plan — to cut wasteful and irresponsible spending.”

The non-partisan Congressional Budget Office has forecast that the deficit will top $1 trillion in 2020, with estimates showing a shortfall of about $1.2 trillion each year over the next decade. That would amount to nearly 5% of total gross domestic product, a measure that puts the deficit in context of the overall economy.

Election Campaign Trump’s 2020 election bid is beginning to ramp up and he’s eager to show that his three-pronged economic agenda of tax cuts, deregulation and new trade deals have

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• NOVEMBER 1, 2019 • Midlands Business Journal

LEGAL NOTICES MBJ legal notice instructions The following are some guidelines to consider when posting legal notices with the Midlands Business Journal: 1. Submit a written notice in either Microsoft Word or as a PDF document to Beth Grube at legals@mbj.com, fax to 402-758-9315 or mail: 1324 S. 119th St. Omaha, NE 68144.

For trade names, submit a copy of approved (bar code in upper right hand corner) Application For Registration of Trade Name from the Secretary of State to the same email address. Please include your billing address and the desired duration you’d like your notice to run (trade names run for only one week).

2. You will receive a confirmation and price quote. Legal notices, except for trade names, are charged per line. The flat fee for a trade name is $50.

Payment options are cash or check.

3. Deadline is 5 p.m. Tuesday for a notice to start publishing that Friday.

4. All costs include fees to file the notice with the Secretary of State and/or any appropriate courts.

5. You will receive a paid invoice copy and a courtesy proof of the notice the first week it runs and a copy of the affidavit filed with the courts the last week.

WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Notice is hereby given that KAFU International, L.L.C. (the “Company”) has been organized under the laws of the State of Nebraska.

The designated office of the Company is 13310 Jayne Plaza, #305, Omaha, Nebraska 68164. The registered agent of the Company is Thomas E. Whitmore, 7602 Pacific Street, Ste. 200, Omaha, Nebraska 68114. The Company was formed on October 8, 2019.

First publication October 18, 2019, final November 1, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF AMENDMENT NOTICE IS HEREBY GIVEN that the Certificate of Organization of CFM Adventure, LLC, a Nebraska limited liability company, has been amended as follows: the limited liability company has changed its name to Easy Street Hospitality, LLC. The Amended Certificate of Organization was filed with the Nebraska Secretary of State on October 9, 2019.

First publication October 18, 2019, final November 1, 2019 DENNIS P. LEE, Attorney LEE LAW OFFICE 2433 South 130th Circle, Suite 300 P.O. Box 45947 Omaha, Nebraska 68145 NOTICE OF SUIT TO: WHITNEY HARRIS, 11912 Amerado Blvd #322, Bellevue NE 68123, and CEDRIC RIGSBY, 3902 N. 48th St, Omaha NE 68104, you are hereby notified that on August 26, 2019, AMERICAN FAMILY MUTUAL INS. Co., S.I. filed a suit against you in the Douglas County Court at docket CI19-18904, the object in prayer of which was to secure a judgment against you in the amount of $9,865.20, together with court costs, interest and attorney's fees as allowed by law. Unless you file your Answer with the Douglas County Court on or before the 2nd day of December, 2019, the Petition against you will be considered as true and judgment will be entered against you accordingly.

First publication October 11, 2019, final November 1, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF MERGER NOTICE IS HEREBY GIVEN that Articles of Merger of Executive Outdoor Living, LLC, a Nebraska limited liability company, with and into Executive Lawn & Landscaping, LLC, a Nebraska limited liability company, were filed with the Nebraska Secretary of State on October 10, 2019, in accordance with the Nebraska Uniform Limited Liability Company Act. The merger was effective upon the filing date. The surviving entity in the merger was Executive Lawn & Landscaping, LLC, a Nebraska limited liability company.

Upon completion of the merger, Executive Lawn & Landscaping, LLC filed an amendment to change its name to: Executive Outdoor Living, LLC. The name change was filed with the Nebraska Secretary of State on October 11, 2019.

First publication October 18, 2019, final November 1, 2019 GROSS & WELCH, P.C., L.L.O., Attorneys 2120 South 72 Street, Suite 1500 Omaha, Nebraska 68124 NOTICE OF DISSOLUTION OF Roman Marble Products, Inc. Roman Marble Products, Inc., a Nebraska corporation, has filed Articles of Dissolution with the Nebraska Secretary of State and said corporation is in the process of voluntary dissolution which was authorized on October 22, 2019. The proposal to dissolve was duly approved by the shareholders in the manner required by the Nebraska Model Business Corporation Act and by the articles of incorporation.

The terms and conditions of such dissolution are, in general, that all debts and obligations of the corporation are to be fully paid and satisfied and adequate provisions are to be made for Shelley M. Block, President, to wind up and liquidate the corporation’s business and affairs. The corporation has no remaining assets as of the date of publication.

First publication November 1, 2019, final November 15, 2019

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF PANORAMA INSURANCE ADVISORS, LLC NOTICE IS HEREBY GIVEN that Panorama Insurance Advisors, LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 13030 Pierce Street, Suite 300, Omaha, Nebraska 68144. The registered agent and office of the limited liability company is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The limited liability company commenced business on October 16, 2019.

First publication October 25, 2019, final November 8, 2019 NOTICE OF ORGANIZATION OF GARAGE RESTORATION SPECIALISTS, LLC Notice is hereby given that GARAGE RESTORATION SPECIALISTS, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska. The Company’s initial designated office is located at 11850 Valley Ridge Drive, Papillion, Nebraska, 68046. The name and street mailing address of the initial agent for service of process is Gregory M. Thrasher, the initial registered office located at 11850 Valley Ridge Drive, Papillion, Nebraska, 68046. The general nature of its business is to engage in and do any lawful act concerning any and all lawful business, other than banking or insurance, for which a limited liability company may be organized under the laws of the state of Nebraska. The Certificate of Organization was filed in the office of the Nebraska Secretary of State on September 20, 2019, the Company commenced business thereon, and shall have perpetual existence. The affairs of the Company are to be conducted by its members.

First publication October 25, 2019, final November 8, 2019 GNUSE & GREEN LAW OFFICES, P.C., Attorneys 11311 Chicago Circle Omaha, Nebraska 68154 NOTICE OF ORGANIZATION OF CIN-OMA PROPERTIES II, L.L.C. A Nebraska Limited Liability Company Notice is hereby given that CIN-OMA Properties II, L.L.C., a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its designated office located at 11311 Chicago Circle, Omaha, NE 68154. The general nature of its business is to engage in and do any lawful act concerning any and all lawful business for which a limited liability company may be organized under the laws of the State of Nebraska. The Certificate of Organization was filed in the office of the Nebraska Secretary of State on October 16, 2019. The Company commenced business thereon and shall have perpetual existence. The affairs of the Company are to be conducted by the Members.

Rodney G. Gnuse, Organizer First publication October 25, 2019, final November 8, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF DISSOLUTION NOTICE IS HEREBY GIVEN that NATURES BioReserve, LLC, a Nebraska limited liability company, filed its Statement of Dissolution with the Nebraska Secretary of State on October 17, 2019, and the company is in the process of voluntary dissolution. The terms and conditions of such dissolution are, in general, that all debts and obligations of the company are to be fully paid and satisfied or adequate provision is to be made therefor, and the remaining balance of any assets is to be distributed to its Member.

The Manager will wind up and liquidate the company’s business and affairs.

If you have a claim against the company, please provide the following information with respect to your claim: (1) your name or the name of your entity; (2) the nature of your claim; (3) the amount of your claim; and (4) the date your claim arose. All claims shall be mailed to 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. A claim against the company is barred unless an action to enforce the claim is commenced within five (5) years after the publication date of the third required notice.

First publication October 25, 2019, final November 8, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF OZVP I, LLC The name of the Company is OZVP I, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF OZVP II, LLC The name of the Company is OZVP II, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019

DANIEL J. WATERS, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF OFFSITE INTEGRATED STRUCTURES, LLC Notice is hereby given of the formation of a limited liability company under the laws of the State of Nebraska, and that the name of the limited liability company is Offsite Integrated Structures, LLC. The name and address of the registered agent and office is LDM Business Services, Inc, 10306 Regency Parkway Drive, Omaha, Nebraska 68114. The general nature of the business to be transacted is all lawful business. The company commenced existence on September 17, 2019 and shall have perpetual duration. The affairs of the company shall be conducted by the Members, as prescribed by the Operating Agreement.

LDM Business Services, Inc., Organizer First publication October 18, 2019, final November 1, 2019 KARINE E. SOKPOH, Attorney SOKPOH LAW GROUP 10730 Pacific Street, Suite 247 Omaha, Nebraska 68114 NOTICE OF INCORPORATION OF TOGOLESE AMERICAN WOMEN VOICE, INC. Notice is hereby given that Togolese American Women Voice, Inc. has been incorporated as a public benefit non-profit corporation under Nebraska laws, with its registered office at 15445 Rosewood Street, Omaha, NE 68138. Its agent at that office is Efakone Eunice Olympio. The corporation shall have members and its incorporator is Karine Sokpoh whose address is 10730 Pacific Street, Suite 247, Omaha, NE 68114.

First publication October 18, 2019, final November 1, 2019 CATHERINE E. FRENCH, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF REMEDY BEAUTY BAR, LLC Notice is hereby given of the formation of a limited liability company under the laws of the State of Nebraska, and that the name of the limited liability company is Remedy Beauty Bar, LLC. The name and address of the registered agent and office is LDM Business Services, Inc, 10306 Regency Parkway Drive, Omaha, Nebraska 68114. The general nature of the business to be transacted is all lawful business. The company commenced existence on October 2, 2019 and shall have perpetual duration. The affairs of the company shall be conducted by the Members, as prescribed by the Operating Agreement.

LDM Business Services, Inc., Organizer First publication October 18, 2019, final November 1, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF KA GRETNA, LLC NOTICE IS HEREBY GIVEN that KA Gretna, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 222 S. 15th Street, Suite 1404S, Omaha, Nebraska 68102. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 W. Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 25, 2019, final November 8, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF 88 TACTICAL, LLC NOTICE IS HEREBY GIVEN that 88 TACTICAL, LLC (the “Company”) has been organized under the laws of the State of Nebraska.

The Designated Office Address of the Company is 222 S. 15th Street, Suite 1404S, Omaha, Nebraska 68102. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 W. Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 25, 2019, final November 8, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF BLUECAT LLC NOTICE IS HEREBY GIVEN that BlueCat LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 2526 South 148 Ave. Circle, Omaha, Nebraska 68144. The Registered Agent of the Company is USCA, Inc., 1603 Farnam Street, Omaha, NE 68102.

First publication October 25, 2019, final November 8, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF NEBRASKA HOTEL ASSOCIATES, LLC NOTICE IS HEREBY GIVEN that Nebraska Hotel Associates, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 1303 South 72 Street, Suite 209, Omaha, Nebraska 68124. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 25, 2019, final November 8, 2019

Midlands Business Journal • NOVEMBER 1, 2019 • LEGAL NOTICES KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF OZVP III, LLC The name of the Company is OZVP III, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF OZVP IV, LLC The name of the Company is OZVP IV, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF OZVP V, LLC The name of the Company is OZVP V, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF OZVP VI, LLC The name of the Company is OZVP VI, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF OZVP VII, LLC The name of the Company is OZVP VII, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF OZVP VIII, LLC The name of the Company is OZVP VIII, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 HALEY REAL ESTATE GROUP, LLC 10703 J Street, Suite 101 Omaha, NE 68127 NOTICE OFAMENDMENT TO CERTIFICATE OF ORGANIZATION FOR HREGDEI PROPERTY GROUP, LLC An Amended Certificate of Organization was filed with the Nebraska Secretary of State for HREGDEI Property Group, LLC (the “Company”) on June 20, 2019. Said amendment changes the name of the Company to Haley CMS, LLC. First publication October 25, 2019, final November 8, 2019

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF AMENDED AND RESTATED ARTICLES OF INCORPORATION Notice is hereby given that the Articles of Incorporation of Midwest Women and Children’s Services have been amended and restated in their entirety as follows: Article I states the name of the Corporation as Midwest Women and Children’s Services.

Article II states that the Corporation is a public benefit corporation.

Article III states the registered agent and office as Janet White Phelan, 7701 Pacific Street, Suite 200, Omaha, Nebraska 68118.

Article IV states the purpose.

Article V states the powers.

Article VI states the Corporation shall have no members.

Article VII states the provisions relating to dissolution.

The Amended and Restated Articles were filed with the Nebraska Secretary of State on October 10, 2019.

First publication October 18, 2019, final November 1, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF LOCAL X1 FUND, LLC NOTICE IS HEREBY GIVEN that Local X1 Fund, LLC (the “Company”) has been organized under the laws of the State of Nebraska.

The designated office address of the Company is 4400 Lucile Drive, Suite 201, Lincoln, Nebraska 68516. The name and address of the registered agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 18, 2019, final November 1, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF LOCAL X1 FUND MANAGER, LLC NOTICE IS HEREBY GIVEN that Local X1 Fund Manager, LLC (the “Company”) has been organized under the laws of the State of Nebraska.

The designated office address of the Company is 4400 Lucile Drive, Suite 201, Lincoln, Nebraska 68516. The name and address of the registered agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 18, 2019, final November 1, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF GCP II KC UPTOWN HOTEL, LLC NOTICE IS HEREBY GIVEN that GCP II KC UPTOWN HOTEL, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 10340 North 84th Street, Omaha, Nebraska 68122. The Registered Agent of the Company is Zach Wiegert, 10340 North 84th Street, Omaha, Nebraska 68122.

First publication October 18, 2019, final November 1, 2019 ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OFAMENDMENT TO CERTIFICATE OF ORGANIZATION NOTICE IS HEREBY GIVEN that on October 10, 2019 Siems City Properties, LLC filed an amendment to its Certificate of Organization changing its name to Siems Flying Service, LLC. First publication October 18, 2019, final November 1, 2019 BENJAMIN J. PICK, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF ORGANIZATION OF TRUSTED HOME GROUP, LLC Notice is hereby given of the organization of Trusted Home Group, LLC. 1. The name of the limited liability company is Trusted Home Group, LLC. 2. The street and mailing address of the initial designated office is 10250 Regency Circle, Omaha, Nebraska, 68114, and the name and street address of the initial agent for service of process is Benjamin Pick, 10250 Regency Circle, Omaha, Nebraska, 68114.

First publication October 18, 2019, final November 1, 2019 DANIEL J. WATERS, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF AMENDMENT TO ARTICLES OF INCORPORATION OF COMPANY #605, INC. Notice is hereby given that the Articles of Amendment to the Articles of Incorporation of Company #605, Inc., f/k/a Offsite Integrated Structures, Inc., were adopted on September 17, 2019 to change the name of the corporation. The name and street address of the corporation’s registered agent and office is LDM Business Services, Inc., 10306 Regency Parkway Drive, Omaha, NE 68114. The full text of such Articles of Amendment to the Articles of Incorporation is on file with the Nebraska Secretary of State.

First publication October 18, 2019, final November 1, 2019

15

NOTICE OF INCORPORATION OF ROOM FOR ROOTS, INC., A NEBRASKA NONPROFIT CORPORATION NOTICE IS HEREBY GIVEN that the undersigned have formed a corporation under the Nebraska Nonprofit Corporation Act. The name of the corporation is ROOM FOR ROOTS, INC., A NEBRASKA NONPROFIT CORPORATION, with a registered office at 17213 Sage Street, Omaha, Nebraska 68136, and the registered agent is BRIDGETT M. BELSKY. The general nature of the business is a public benefit corporation and shall have for its additional purpose providing for managing any benevolent, charitable, civic, educational, fraternal, athletic, patriotic, social and labor organization or society, as well as the making of donations to the public welfare or for charitable or educational purposes, and to perform services of every kind and nature whatsoever, which are not inconsistent with law. The corporation commenced June 20, 2019, and shall have perpetual existence.

The corporation will have members.

ANTHONY L. GROSS, Incorporator CATHERINE L. WHITE, Incorporator 3018 South 87th Street, Omaha, NE 68124 First publication October 18, 2019, final November 1, 2019 CHARLES E. DORWART, Attorney MASSIH LAW, LLC 226 N. 114th Street Omaha, NE 68154 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR19-1566 Estate of Alan P. Hurlbut, Deceased Notice is hereby given that on October 8, 2019, in the County Court of Douglas County, Nebraska, the Registrar issued a written statement of Informal Probate of the Intestacy of said Decedent and that Deborah Hurlbut, 4452 Shady Lance Circle, Omaha, NE 68105, was informally appointed by the Registrar as Personal Representative of the Estate.

Creditors of this estate must file their claims with this Court, located at Courtroom No. 30, Third Floor, Probate Division, Douglas County Hall of Justice, 17th & Farnam Streets, Omaha, NE 68183, on or before December 18, 2019 or be forever barred.

CARROL L. MILLS Registrar First publication October 18, 2019, final November 1, 2019 DENNIS P. LEE, Attorney LEE LAW OFFICE 2433 South 130th Circle, Suite 300 P.O. Box 45947 Omaha, Nebraska 68145 NOTICE OF SUIT TO: NATALYA HARRIS, 1217 S 25th Ave Apt 6, Omaha NE 68105, you are hereby notified that on August 12, 2019, AMERICAN FAMILY MUTUAL INS. Co., S.I. filed a suit against you in the Douglas County Court at docket CI19-17652, the object in prayer of which was to secure a judgment against you in the amount of $4,379.55, together with court costs, interest and attorney's fees as allowed by law. Unless you file your Answer with the Douglas County Court on or before the 9th day of December, 2019, the Petition against you will be considered as true and judgment will be entered against you accordingly.

First publication October 18, 2019, final November 8, 2019 THOMAS H. PENKE, Attorney 12020 Shamrock Plaza, Suite 200 Omaha, Nebraska 68154 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR19-1237 Estate of MICHAEL P. HANNON, Deceased Notice is hereby given that a hearing was held on a Petition for Formal Probate of Will of said Decedent, Determination of Heirs, and Appointment of Personal Representative on October 1, 2019, and that Scott W. Hannon, whose address is 304 North 245th Circle, Waterloo, Nebraska 68069, has been appointed as Personal Representative of this Estate.

Creditors of this estate must file their claims with this Court, located at Courtroom No. 30, Third Floor, Probate Division, Douglas County Hall of Justice, 17th & Farnam Streets, Omaha, NE 68183, on or before December 18, 2019 or be forever barred.

CARROL L. MILLS Registrar First publication October 18, 2019, final November 1, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF TAMBAJR6, LLC The name of the Company is Tambajr6, LLC. The Designated Office of the Company is: 16108 Leeman Street, Bennington, Nebraska 68007. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. This limited liability company commenced business on October 15, 2019.

First publication October 18, 2019, final November 1, 2019 MONTE L. SCHATZ, Attorney VANDENACK WEAVER LLC 17007 Marcy Street, Suite 3 Omaha, Nebraska 68118 NOTICE OF ORGANIZATION OF GOLDEN YEARS RELOCATION, LLC Notice is hereby given that GOLDEN YEARS RELOCATION, LLC has been organized as a limited liability company under the Nebraska Uniform Limited Liability Company Act. The address of the initial designated office of the company is 7811 Military Ave., Omaha, NE 68134. The agent for service of process for the Company is VW Agents LLC located at 17007 Marcy Street, Suite 3, Omaha, NE 68118-3121.

First publication October 18, 2019, final November 1, 2019

16

• NOVEMBER 1, 2019 • Midlands Business Journal

LEGAL NOTICES HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF DISSOLUTION NOTICE IS HEREBY GIVEN of the voluntary dissolution of JASPER STONE EMPIRE PARK I LLC, as of October 16, 2019. Any person having a claim, whether known or unknown, against the Company is requested to present such claim in writing to the Company at the following address: c/o Curt Hofer, 16820 Frances Street, Suite 206, Omaha, NE 68130. The claim must be in writing, must be sent by mail to the address set forth above, and must set forth the name, address and telephone number of the claimant, a detailed description and amount of the claim, the date of occurrence of the claim and any tangible evidence to support the claim that is available to the claimant. Unless sooner barred by any other statute limiting actions, any claim against the Company is barred if an action to enforce the claim is not commenced within five years after the publication date of the third required notice.

First publication October 25, 2019, final November 8, 2019 HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF DISSOLUTION NOTICE IS HEREBY GIVEN of the voluntary dissolution of JASPER STONE BELLEVUE PROFESSIONAL CENTER LLC, as of October 16, 2019. Any person having a claim, whether known or unknown, against the Company is requested to present such claim in writing to the Company at the following address: c/o Curt Hofer, 16820 Frances Street, Suite 206, Omaha, NE 68130. The claim must be in writing, must be sent by mail to the address set forth above, and must set forth the name, address and telephone number of the claimant, a detailed description and amount of the claim, the date of occurrence of the claim and any tangible evidence to support the claim that is available to the claimant. Unless sooner barred by any other statute limiting actions, any claim against the Company is barred if an action to enforce the claim is not commenced within five years after the publication date of the third required notice.

First publication October 25, 2019, final November 8, 2019 HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF DISSOLUTION NOTICE IS HEREBY GIVEN of the voluntary dissolution of JASPER STONE FRANCES LLC, as of October 16, 2019. Any person having a claim, whether known or unknown, against the Company is requested to present such claim in writing to the Company at the following address: c/o Curt Hofer, 16820 Frances Street, Suite 206, Omaha, NE 68130. The claim must be in writing, must be sent by mail to the address set forth above, and must set forth the name, address and telephone number of the claimant, a detailed description and amount of the claim, the date of occurrence of the claim and any tangible evidence to support the claim that is available to the claimant. Unless sooner barred by any other statute limiting actions, any claim against the Company is barred if an action to enforce the claim is not commenced within five years after the publication date of the third required notice.

First publication October 25, 2019, final November 8, 2019 HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF DISSOLUTION NOTICE IS HEREBY GIVEN of the voluntary dissolution of JASPER STONE APG LLC, as of October 16, 2019. Any person having a claim, whether known or unknown, against the Company is requested to present such claim in writing to the Company at the following address: c/o Curt Hofer, 16820 Frances Street, Suite 206, Omaha, NE 68130. The claim must be in writing, must be sent by mail to the address set forth above, and must set forth the name, address and telephone number of the claimant, a detailed description and amount of the claim, the date of occurrence of the claim and any tangible evidence to support the claim that is available to the claimant. Unless sooner barred by any other statute limiting actions, any claim against the Company is barred if an action to enforce the claim is not commenced within five years after the publication date of the third required notice.

First publication October 25, 2019, final November 8, 2019 HALEY REAL ESTATE GROUP, LLC 10703 J Street, Suite 101 Omaha, NE 68127 NOTICE OFAMENDMENT TO CERTIFICATE OF ORGANIZATION FOR HALEY RESIDENTIAL, LLC An Amended Certificate of Organization was filed with the Nebraska Secretary of State for Haley Residential, LLC (the “Company”) on October 17, 2017. Said amendment changes the name of the Company to HREGDEI Property Group, LLC. First publication October 25, 2019, final November 8, 2019 NOTICE OF ORGANIZATION Notice is hereby given that McKee Economics, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska, with its initial designated office at 17141 Colony Drive, Omaha, NE 68136. The initial agent for service of process of the Company is Bradford G. Barker, 405 S. 16th Street, #403, Omaha, NE, 68102.

First publication October 25, 2019, final November 8, 2019

WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Notice is hereby given that Rescue Realty, L.L.C., a Nebraska professional limited liability company, is organized under the laws of the State of Nebraska, with its registered office at 12903 Deer Creek Drive, Omaha, Nebraska 68142. The general nature of the business is to engage in and do any lawful business, other than banking or insurance, for which a limited liability company may be organized under the laws of the State of Nebraska, and for all other purposes authorized by law, to the extent as natural persons might or could do. The limited liability company was formed on October 16, 2019. Its affairs shall be conducted by the members pursuant to an Operating Agreement duly adopted by the company.

Amy Lindhorst, Organizer First publication October 25, 2019, final November 8, 2019

ANDREW J. HUBER, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF RH Consulting, LLC Notice is hereby given of the formation of a limited liability company under the laws of the State of Nebraska, and that the name of the limited liability company is RH Consulting, LLC. The name and address of the registered agent and office is LDM Business Services, Inc, 10306 Regency Parkway Drive, Omaha, Nebraska 68114. The general nature of the business to be transacted is all lawful business. The company commenced existence on October 22, 2019 and shall have perpetual duration. The affairs of the company shall be conducted by the Members, as prescribed by the Operating Agreement.

LDM Business Services, Inc., Organize First publication November 1, 2019, final November 15, 2019

MATTHEW T. PAYNE, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF ORGANIZATION OF ROMICH, LLC Notice is hereby given of the organization of Romich, LLC 1. The name of the limited liability company is Romich, LLC 2. The street and mailing address of the initial designated office is 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114, and the name and street address of the initial agent for service of process is Matthew T. Payne, 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114.

First publication October 25, 2019, final November 8, 2019

DANIEL C. PAULEY, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF TEAMLEE, LLC Notice is hereby given of the formation of a limited liability company under the laws of the State of Nebraska, and that the name of the limited liability company is TeamLee, LLC. The name and address of the registered agent and office is LDM Business Services, Inc, 10306 Regency Parkway Drive, Omaha, Nebraska 68114. The general nature of the business to be transacted is all lawful business. The company commenced existence on October 28, 2019 and shall have perpetual duration. The affairs of the company shall be conducted by the Members, as prescribed by the Operating Agreement.

LDM Business Services, Inc., Organizer First publication November 1, 2019, final November 15, 2019

NOTICE OF PUBLICATION TO: JAMES GARRETT You are hereby notified that on 05/21/19, the Plaintiff Credit Management Services, Inc., filed a Complaint in the COUNTY Court of DOUGLAS County, Nebraska, against you shown as Case Number CI19 11204 . The object and prayer of which is a judgment in the amount of 1,199.00, plus court costs, pre-judgment interest and attorney fees, if applicable.

The Complaint prays that judgment be entered against you. You are hereby notified that you must answer the Complaint on or before 12/15/19 at the COUNTY court of DOUGLAS County, OMAHA Nebraska.

Steven J. Morrison #24708 P.O. Box 1512 Grand Island, NE 68802 (308)398-3801 Attorney for Plaintiff First publication October 25, 2019, final November 8, 2019 NOTICE OF ORGANIZATION OF BJR MILLARD, LLC NOTICE IS HEREBY GIVEN that BJR Millard, LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 14406 Harrison Street, Omaha, Nebraska 68138. The registered agent and office of the limited liability company is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The limited liability company commenced business on July 18, 2019.

First publication October 25, 2019, final November 15, 2019 DENNIS P. LEE, Attorney LEE LAW OFFICE 2433 South 130th Circle, Suite 300 P.O. Box 45947 Omaha, Nebraska 68145 NOTICE OF SUIT TO: BERNARD E. BYARS, 5821 N. 100th Plz. Apt 10, Omaha NE 68134, you are hereby notified that on September 13, 2019, Credit Acceptance Corporation filed a suit against you in the Douglas County Court at docket CI19-20334, the object in prayer of which was to secure a judgment against you in the amount of $5,855.10, together with court costs, interest and attorney's fees as allowed by law. Unless you file your Answer with the Douglas County Court on or before the 16th day of December, 2019, the Petition against you will be considered as true and judgment will be entered against you accordingly.

First publication October 25, 2019, final November 15, 2019 NOTICE OF ORGANIZATION Notice is hereby given that Reverie Photo & Film, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska, with its initial designated office at 3115 N 47th Ave, Omaha, NE 68104. The initial agent for service of process of the Company is Jessica B Tworek, 3115 N 47th Ave, Omaha, NE 68104.

First publication November 1, 2019, final November 15, 2019 DANIEL C. PAULEY, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF ORGANIZATION OF A LIMITED LIABILITY COMPANY TAKE NOTICE that Go Time Logistics, LLC, has been organized under the laws of the State of Nebraska. The address of the designated office is 814 South Pine Street, Hastings, NE 68901. The company is organized to engage in and do any lawful act concerning any and all lawful business for which a limited liability company may be organized under the laws of the State of Nebraska. The company commenced on October 18, 2019, and its existence is perpetual. The company will be managed by its members.

First publication November 1, 2019, final November 15, 2019

MATTHEW T. PAYNE, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 N O T I C E O F A M E N D M E N T T O T H E A RT I C L E S O F INCORPORATION OF LINHART CONSTRUCTION, INC. Notice is hereby given that the Articles of Incorporation of Linhart Construction, Inc., a Nebraska corporation, have been amended to provide for Class A Voting Common Stock and Class B Nonvoting Common Stock. The Articles of Amendment to the Articles of Incorporation of the Corporation were filed with the Nebraska Secretary of State on October 23, 2019.

First publication November 1, 2019, final November 15, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF CAMBROOKS PROPERTIES, LLC NOTICE IS HEREBY GIVEN that Cambrooks Properties, LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 613 North 204th Avenue Circle, Elkhorn, Nebraska 68022. The registered agent and office of the limited liability company is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The limited liability company commenced business on October 22, 2019.

First publication November 1, 2019, final November 15, 2019 RADLEY E. CLEMENS, Attorney 5717 North 127th Street Omaha, Nebraska 68164 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR19-1350 Estate of Joseph J. Welter, III, Deceased Notice is hereby given that on October 4, 2019, in the County Court of Douglas County, Nebraska, William D. Welter 1st, whose address is 22935 N. 68th St., Scottsdale, Arizona, 85251, was informally appointed by the Registrar asPersonal Representative of the estate.

Creditors of this estate must file their claims with this Court, located at Courtroom No. 30, Third Floor, Probate Division, Douglas County Hall of Justice, 17th & Farnam Streets, Omaha, NE 68183, on or before January 15, 2019 or be forever barred.

KELLY J. GOLDEN Clerk of the County Court First publication November 1, 2019, final November 15, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF AJOJ, LLC The name of the Company is AJOJ, LLC. The Designated Office of the Company is: 8834 Washington Street, Omaha, Nebraska 68127. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. This limited liability company commenced business on October 25, 2019.

First publication November 1, 2019, final November 15, 2019 NOTICE OF ORGANIZATION of Wish Granted Notice is hereby given that Wish Granted, a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its initial agent for service of process as Colin Kastrick, and with its initial designated office at 2949 N 56th Street, Omaha, NE 68104.

First publication November 1, 2019, final November 15, 2019

Midlands Business Journal • NOVEMBER 1, 2019 • LEGAL NOTICES NOTICE OF PUBLICATION TO: JORDAN WEAVER You are hereby notified that on 05/14/19, the Plaintiff Credit Management Services, Inc., filed a Complaint in the COUNTY Court of DOUGLAS County, Nebraska, against you shown as Case Number CI19 10611. The object and prayer of which is a judgment in the amount of 263.00, plus court costs, pre-judgment interest and attorney fees, if applicable.

The Complaint prays that judgment be entered against you. You are hereby notified that you must answer the Complaint on or before 12/08/19 at the COUNTY court of DOUGLAS County, OMAHA Nebraska.

Edwina Heise #25377 P.O. Box 1512 Grand Island, NE 68802 (308)398-3801 Attorney for Plaintiff First publication October 25, 2019, final November 8, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF AMENDMENT AND RESTATEMENT OF THE ARTICLES OF INCORPORATION OF PEITZMEIER DEMOLITION AND CONCRETE CUTTING, INC. NOTICE IS HEREBY GIVEN that the Articles of Incorporation of Peitzmeier Demolition and Concrete Cutting, Inc., a Nebraska corporation, were amended and restated on October 28, 2019, in their entirety as follows: Article 1 states the name of the Corporation is Peitzmeier Demolition and Concrete Cutting, Inc. Article 2 states the purpose.

Article 3 states the number of shares the Corporation is authorized to issue is 100,000 shares of Class A Voting Common Stock and 900,000 shares of Class B Nonvoting Common Stock, each having a par value of $0.01 per share.

Article 4 states the registered agent is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124.

Article 5 states the Corporation shall have perpetual existence.

Article 6 states the provisions relating to amending the Articles and Bylaws.

Article 7 states that provisions relating to director liability.

First publication November 1, 2019, final November 15, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF RICKY’S UPSTAIRS, LLC The name of the Company is Ricky’s Upstairs, LLC. The Designated Office of the Company is: 1108 South 84th Street, Omaha, Nebraska 68124.

The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124.

This limited liability company commenced business on October 29, 2019.

First publication November 1, 2019, final November 15, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 N O T I C E O F A M E N D M E N T T O T H E A RT I C L E S O F INCORPORATION OF MORRISSEY ENGINEERING, INC. Notice is hereby given that the Articles of Amendment to the Articles of Incorporation of Morrissey Engineering, Inc., a Nebraska corporation, were filed with the Nebraska Secretary of State on October 30, 2019, to amend Article II as follows: The number of shares the Corporation is authorized to issue is 100,000 shares of Class A Voting Common Stock and 900,000 shares of Class B Nonvoting Common Stock, each having a par value of $0.01 per share. Article III was revoked in its entirety.

First publication November 1, 2019, final November 15, 2019 NOTICE OF ORGANIZATION Notice is hereby given that TAM DUC REALTY, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The address of the Company’s designated office is 1910 S 44th Street Omaha, Suite 101, NE 68108, and the name of the registered agent at such address is Tran & Associates Law, LLC. The general nature of the business is any legal and lawful activity allowed pursuant to the Nebraska Limited Liability Company Act and the laws of the State of Nebraska and elsewhere. The Company commenced business on 08/15/2019 and shall have perpetual existence. The affairs of the Company are to be managed by its managers.

Khanh Tran, Member First publication November 1, 2019, final November 15, 2019 HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF DISSOLUTION NOTICE IS HEREBY GIVEN of the voluntary dissolution of JASPER STONE EMPIRE PARK II LLC, as of October 16, 2019. Any person having a claim, whether known or unknown, against the Company is requested to present such claim in writing to the Company at the following address: c/o Curt Hofer, 16820 Frances Street, Suite 206, Omaha, NE 68130. The claim must be in writing, must be sent by mail to the address set forth above, and must set forth the name, address and telephone number of the claimant, a detailed description and amount of the claim, the date of occurrence of the claim and any tangible evidence to support the claim that is available to the claimant. Unless sooner barred by any other statute limiting actions, any claim against the Company is barred if an action to enforce the claim is not commenced within five years after the publication date of the third required notice.

First publication October 25, 2019, final November 8, 2019

NOTICE OF ORGANIZATION of a Limited Liability Company Notice is hereby given the registration with the Nebraska Secretary of state’s office of VSG Construction, LLC under the laws of the State of Nebraska as follows: The name of the company is VSG Construction, LLC. Registered agent and office of VSG Construction, LLC at 5710 S 14th Street, Omaha, NE 68107. Initial members: Victor Manuel Solorio Garcia. General nature of the business is to transact any and all lawful business for which limited liability companies are allowed by statute. The LLC was organized on October 2019 for the perpetual duration and is managed by its members.

First publication October 25, 2019, final November 8, 2019 LINDSEY A. SCHULER, Attorney CROKER, HUCK, KASHER, DEWITT, ANDERSON & GONDERINGER, L.L.C. 2120 S. 72nd Street, Suite 1200 Omaha, Nebraska 68124 NOTICE OF ORGANIZATION OF EM'S WOODWORK, LLC The name of the limited liability company is Em's WoodWork, LLC. The address of the initial designated office is 2120 South 72nd Street, Suite 1200, Omaha, NE 68124. The name and address of the initial agent for service of process is Lindsey A. Schuler, 2120 South 72nd Street, Suite 1200, Omaha, NE 68124.

First publication October 25, 2019, final November 8, 2019 WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Notice is hereby given that The Cord: Where Science Meets Connection, L.L.C., a Nebraska professional limited liability company, is organized under the laws of the State of Nebraska, with its registered office at 638 N. 109th Plaza, Omaha, Nebraska 68154. The general nature of the business is to engage in and do any lawful business, other than banking or insurance, for which a limited liability company may be organized under the laws of the State of Nebraska, and for all other purposes authorized by law, to the extent as natural persons might or could do. The limited liability company was formed on October 17, 2019. Its affairs shall be conducted by the members pursuant to an Operating Agreement duly adopted by the company.

Catherine A. Schweitzer, Organizer Stefanie J. Armstrong, Organizer First publication October 25, 2019, final November 8, 2019 NOTICE OF ORGANIZATION OF WELLNESS FOR LIFE, LLC NOTICE IS HEREBY GIVEN that Wellness For Life, LLC has been organized under the laws of the State of Nebraska. The designated office of the company is 9500 West Dodge Road, Suite 100, Omaha, NE 68114.

The registered agent of the company is DDLG Business Services, Inc. and the registered address of the company is 9500 West Dodge Road, Suite 100, Omaha, NE 68114.

First publication November 1, 2019, final November 15, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF COMPLETE WELLNESS, LLC NOTICE IS HEREBY GIVEN that Complete Wellness, LLC has been organized under the laws of the State of Nebraska. The limited liability company shall provide mental health services. The designated office of the limited liability company is 2138 South 181st Circle, Omaha, Nebraska 68130. The registered agent and office of the limited liability company is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The limited liability company commenced business on October 17, 2019.

First publication October 25, 2019, final November 8, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF INCORPORATION NOTICE IS HEREBY GIVEN that Urban Chiral Condominium Association has been incorporated under the laws of the State of Nebraska on October 11, 2019. The Corporation is a mutual benefit corporation and shall have members. The initial registered agent and registered office of the corporation are DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, NE 68114. The name and street address of the incorporator of the corporation is Daniel R. Carnahan, 9500 West Dodge Road, Suite 100, Omaha, NE 68114.

First publication October 25, 2019, final November 8, 2019 RUSSELL S. DAUB, Attorney 2800 South 110th Court, Suite 1 Omaha, Nebraska 68144-4818 NOTICE OF RESTATED ARTICLES OF AMENDMENT TO THE ARTICLES OF INCORPORATION OF DESTINY THEATRE, INC. Notice is hereby given of the Restated Amendment of the Articles of Incorporation of DESTINY THEATRE, INC, to change its name to DESTINY THEATER, INC. First publication November 1, 2019, final November 15, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF AMENDMENT OF BLUECAT LLC NOTICE IS HEREBY GIVEN the Certificate of Organization of BlueCat LLC, a Nebraska limited liability company, has been amended to change the name of the company to BlueCat Land Acquisition, LLC. The Amended Certificate of Organization was filed with the Nebraska Secretary of State on October 18, 2019.

First publication October 25, 2019, final November 8, 2019

17

NOTICE OF ORGANIZATION OF BRANDED BY SALT, LLC Notice is hereby given that BRANDED BY SALT, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska. The Company’s initial designated office is located at 16523 Bauman Cr., Omaha, Nebraska 68116. The name and street mailing address of the initial agent for service of prices is Tabitha Thrasher, the initial registered office is located at 16523 Bauman Cr., Omaha, Nebraska, 68116. The general nature of its business is to engage in and do any lawful act concerning any and all lawful business, other than banking or insurance, for which a limited liability company may be organized under the laws of the state of Nebraska. The Certificate of Organization was filed in the office of the Nebraska Secretary of State on September 11, 2019, the Company commenced business thereon, and shall have perpetual existence. The affairs of the Company are to be conducted by its member, Tabitha Thrasher.

First publication October 25, 2019, final November 8, 2019 BREASCH FINANCE & TAX CONSULTING INC. 4879 S 132nd Avenue Omaha, NE 68137 CERTIFICATE OF ORGANIZATION OF SWAGGER CONSULTING LLC A NEBRASKA LIMITED LIABILITY COMPANY 1. The name of the limited liability company is SWAGGER CONSULTING LLC 2. The period of duration for SWAGGER CONSULTING LLC is perpetual.

3. SWAGGER CONSULTING LLC is organized for the purpose of conducting any and all business as permitted by the Nebraska Uniform Limited Liability Company Act. 4. The address of the initial designated office for SWAGGER CONSULTING LLC in Nebraska is 17609 O Street, Omaha, Nebraska 68135.

5. The name and address of the registered agent for SWAGGER CONSULTING LLC in Nebraska is Cindy Breasch, 4879 S 132nd Ave, Omaha NE 68137.

6. Additional provisions, not inconsistent with the law, for the regulation of the internal affairs of the limited liability company shall be provided for in the Operating Agreement.

7. Dana Hunsaker, organizer(s) of SWAGGER CONSULTING LLC has signed the Foregoing Certificate of Organization effective this 9th Day of October 2019.

First publication October 25, 2019, final November 8, 2019 HALEY REAL ESTATE GROUP, LLC 10703 J Street, Suite 101 Omaha, NE 68127 N O T I C E O F O R G A N I Z AT I O N F O R H R G P R O P E RT Y MANAGEMENT COMPANY, LLC A Certificate of Organization was filed with the Nebraska Secretary of State for HRG Property Management Company, LLC (the “Company”) on September 10, 2014. The address of the Company’s designated office is 10703 J Street, Suite 101, Omaha, NE 68127. The name and address for the Company’s registered agent is Carl J. Troia, Jr., 10703 J Street, Suite 101, Omaha, NE 68127.

First publication October 25, 2019, final November 8, 2019 HALEY REAL ESTATE GROUP, LLC 10703 J Street, Suite 101 Omaha, NE 68127 NOTICE OFAMENDMENT TO CERTIFICATE OF ORGANIZATION FOR HRG PROPERTY MANAGEMENT COMPANY, LLC An Amended Certificate of Organization was filed with the Nebraska Secretary of State for HRG Property Management Company, LLC (the “Company”) on April 16, 2015. Said amendment changes the name of the Company to Haley Residential, LLC. First publication October 25, 2019, final November 8, 2019 PATRICK M. FLOOD, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF ORGANIZATION OF FRANCO, LLC Notice is hereby given of the organization of Franco, LLC. 1. The name of the limited liability company is Franco, LLC. 2. The street and mailing address of the initial designated office is 1005 Meadow Road, Omaha, Nebraska 68154, and the name and street address of the registered agent for service of process is Patrick M. Flood, 10250 Regency Circle, Suite 300, Omaha, Nebraska, 68114.

First publication October 25, 2019, final November 8, 2019 NOTICE OF ORGANIZATION Notice is hereby given that Lind Construction LLC has been created in compliance with the laws of the State of Nebraska. The designated office of the limited liability company is 8150 Barrington Road, Lincoln, NE 68516.

The registered agent of Lind Construction LLC is Jack Gregory Lind.

First publication October 18, 2019, final November 1, 2019 NOTICE OF ORGANIZATION Notice is given that NEST PROGRAMMING, LLC has been organized under the laws of the State of Nebraska with the following registered agent and registered office: Francisco Rivera at 6330 Ruggles St. Omaha, NE 68104. The general nature of the Company's business is to engage in any lawful business permitted under the laws of the State of Nebraska. The company was organized on September 27, 2019, and it shall continue in perpetuity unless sooner terminated in accordance with the terms of its operating agreement. In general, the Company's business is to be managed by its primary member Francisco Rivera in accordance with the Company's operating agreement.

First publication November 1, 2019, final November 15, 2019

18

• NOVEMBER 1, 2019 • Midlands Business Journal

LEGAL NOTICES DEAN F. SUING, Attorney GOVIER, KATSKEE, SUING & MAXELL, PC, LLO 10404 Essex Court, Suite 100 Omaha, Nebraska 68114 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR19-1647 Estate of Barbara Burke, Deceased Notice is hereby given that on October 25, 2019, in the County Court of Douglas County, Nebraska, Thomas A. Dudycha, whose address is 224 East Riverview Drive, Blair, NE 68008, was informally appointed Personal Representative of the estate.

Creditors of this estate must file their claims with this Court, located at Courtroom No. 30, Third Floor, Probate Division, Douglas County Hall of Justice, 17th & Farnam Streets, Omaha, NE 68183, on or before January 2, 2019 or be forever barred.

CARROL L. MILLS Registrar First publication November 1, 2019, final November 15, 2019 JUDITH A. WELLS, Attorney 1603 Farnam Street Omaha, Nebraska 68102 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR19-1471 Estate of STEPHEN POPE, Deceased Notice is hereby given that on October 23, 2019, in the County Court of Douglas County, Nebraska, Fredrick Popew, Sr., 5315 Larimore Avenue, Omaha, Nebraska 68104, was appointed by the court as Personal Representative of the estate.

Creditors of this estate must file their claims with this Court, located at Courtroom No. 30, Third Floor, Probate Division, Douglas County Hall of Justice, 17th & Farnam Streets, Omaha, NE 68183, on or before January 2, 2019 or be forever barred.

KELLY J. GOLDEN Clerk of the County Court First publication November 1, 2019, final November 15, 2019 ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF MERT56, LLC NOTICE IS HEREBY GIVEN that Mert56, LLC, a Nebraska limited liability company (the “Company”), has been duly organized under the laws of the State of Nebraska, with its designated office located at 7735 North Irvington Road, Omaha, Nebraska 68122 and designating its registered agent as Erickson & Sederstrom P.C. a limited liability organization with its registered office at 10330 Regency Parkway Drive, Suite 100, Omaha, Nebraska 68114.

First publication November 1, 2019, final November 15, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF GC RESIDENTIAL REAL ESTATE , LLC NOTICE IS HEREBY GIVEN that GC Residential Real Estate, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication November 1, 2019, final November 15, 2019 NOTICE OF ORGANIZATION OF MLB PROPERTIES, LLC Notice is hereby given that MLB Properties, LLC (the "Company"), has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 2615 Geri Drive, Bellevue, NE 68147.

The Registered Agent of the Company is Steven P. Ahlf, 11590 West Dodge Road,. Suite 1, Omaha, NE 68154.

First publication November 1, 2019, final November 15, 2019 NOTICE OF ORGANIZATION OF PREMIER NAIL BAR, LLC Notice is hereby given that Premier Nail Bar, LLC (the "Company"), has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 14903 S. 23rd St., Bellevue NE 68123.

The Registered Agent of the Company is Steven P. Ahlf, 11590 West Dodge Road, Suite 1, Omaha, NE 68154.

First publication November 1, 2019, final November 15, 2019 JAMES R. SACOMAN, Attorney 14707 California Street, Suite 5 Omaha, Nebraska 68154 APPLICATION FOR REGISTRATION OF TRADE NAME Trade Name to be registered is: Calvary Lighthouse Church Name of Applicant: Calvary Lutheran Church Address: 2941 North 80th Street, Omaha, NE 68134 Applicant is a Corporation If other than an Individual, state under whose laws entity was formed: Nebraska Date of first use of name in Nebraska: April 2, 2019 General nature of business: Operation of a Bible believing multicultural church in the Omaha, Nebraska, metropolitan area.

HARLYN BRANDT Signature of Applicant or Legal Representative November 1, 2019

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF MAH, LLC NOTICE IS HEREBY GIVEN that MAH, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 5110 Mayberry Street, Unit 2118, Omaha, Nebraska 68106. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 18, 2019, final November 1, 2019 ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF BEAM PROPERTIES, LLC NOTICE IS HEREBY GIVEN that Beam Properties, LLC, a Nebraska limited liability company (the “Company”), has been duly organized under the laws of the State of Nebraska, with its designated office located at 7866 Lakeview Street, Ralston, Nebraska 68127 and designating its registered agent as Erickson & Sederstrom, P.C. a limited liability organization with its registered office at 10330 Regency Parkway Drive, Suite 100, Omaha, Nebraska 68114.

First publication November 1, 2019, final November 15, 2019 ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OF DISSOLUTION OF JAMES G. MORGAN, D.D.S., M.S., M.D., ORAL AND MAXILLOFACIAL SURGERY, P.C. James G. Morgan, D.D.S., M.S., M.D., Oral and Maxillofacial Surgery, P.C., a Nebraska professional corporation, filed Articles of Dissolution on October 28, 2019, with the Nebraska Secretary of State’s Office. The terms of the dissolution provide for the payment of liabilities of the corporation and the distribution of any remaining assets. James G. Morgan, as President, is to manage the corporate affairs relating to the dissolution of the Corporation. Any Corporation assets will be distributed in accordance with the Corporation’s plan of dissolution and it has no known liabilities.

The Corporation requests that persons with claims against it present them in accordance with this notice. Any claimant shall send notice of a claim to the Corporation to the above address. A claim against James G. Morgan, D.D.S., M.S., M.D., Oral and Maxillofacial Surgery, P.C. will be barred unless a proceeding to enforce the claim is commenced within three (3) years after the publication of this notice.

First publication November 1, 2019, final November 15, 2019 LEGACY DESIGN STRATEGIES 9859 South 168th Avenue Omaha, NE 68136 NOTICE OF ORGANIZATION 1. The name of the Limited Liability Company is PLAN WELL, LLC 2. The address of the designated office of the company is 9859 South 168thAvenue, Omaha, NE 68136.

3. The purpose for which the company is organized is to engage in any and all business which is lawful under the Uniform Limited Liability Company Act of the State of Nebraska.

4. The company commenced its existence on October 22, 2019, and the period of duration of the Company shall be perpetual.

5. The affairs of the company shall be conducted by its Members in accordance with the company’s operating agreement.

Andrew C. Sigerson, P.C., L.L.O. First publication November 1, 2019, final November 15, 2019 LEGACY DESIGN STRATEGIES 9859 South 168th Avenue Omaha, NE 68136 NOTICE OF ORGANIZATION 1. The name of the Limited Liability Company is HERMAN APARTMENTS, LLC 2. The address of the designated office of the company is 105 West 5th Street, Herman, NE 68029.

3. The purpose for which the company is organized is to engage in any and all business which is lawful under the Uniform Limited Liability Company Act of the State of Nebraska.

4. The company commenced its existence on October 7, 2019, and the period of duration of the Company shall be perpetual.

5. The affairs of the company shall be conducted by its Members in accordance with the company’s operating agreement.

Andrew C. Sigerson, P.C., L.L.O. First publication November 1, 2019, final November 15, 2019 LEGACY DESIGN STRATEGIES 9859 South 168th Avenue Omaha, NE 68136 NOTICE OF ORGANIZATION 1. The name of the Limited Liability Company is NEBRASKA STREET APARTMENTS, LLC 2. The address of the designated office of the company is 1229 Nebraska Street, Blair, NE 68008.

3. The purpose for which the company is organized is to engage in any and all business which is lawful under the Uniform Limited Liability Company Act of the State of Nebraska.

4. The company commenced its existence on October 7, 2019, and the period of duration of the Company shall be perpetual.

5. The affairs of the company shall be conducted by its Members in accordance with the company’s operating agreement.

Andrew C. Sigerson, P.C., L.L.O. First publication November 1, 2019, final November 15, 2019

APPLICATION FOR REGISTRATION OF TRADE NAME Trade Name to be registered is: Her Simplified Life Name of Applicant: Haley Rose Company, LLC Address: 106 Merwood Street, Bellevue, NE 68005 Applicant is a Limited Liability Company If other than an Individual, state under whose laws entity was formed: Nebraska Date of first use of name in Nebraska: 10/1/19 General nature of business: Consulting COLIN KASTRICK Signature of Applicant or Legal Representative November 1, 2019 NOTICE OF ORGANIZATION of CJ Insurance Group Notice is hereby given that CJ Insurance Group, a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its initial agent for service of process as Colin Kastrick, and with its initial designated office at 3015 N 90th Street, Suite 3, Omaha, NE 68134.

First publication November 1, 2019, final November 15, 2019

Midlands Business Journal • NOVEMBER 1, 2019 •

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What if a delivery drone falls on your head? Thorny legal questions loom as services increase

by Samantha Masunaga

Imagine you’re standing in your front yard when a drone flies overheard, delivering a package to one of your neighbors.

The drone goes over your house, flying much lower than a helicopter could. Would that be considered trespassTrends ing? After all, you didn’t even order the package.

What if the drone took pictures of you and everything else in your yard as it went by; is that allowed? What if it malfunctioned and fell on your head — who would be at fault?

These are some of the thorny legal questions that will have to be answered as companies such as Google parent Alphabet Inc., Amazon.com Inc. and UPS Inc. start preparing for a future where delivery by drone is more widespread.

Last week, Alphabet subsidiary Wing became the first company to operate a commercial drone delivery service in the United States: It ferried tissues, bottled water, cough drops and other products to people in Christiansburg, Va. Christiansburg is small — it has only about 21,000 residents — and Wing’s delivery service is only for the last mile of a package’s journey, but there are plans for more coverage in the future.

Wing isn’t the only company interested.

This month, UPS got permission from the Federal Aviation Administration to operate delivery drones at university, hospital and corporate campuses. Amazon, meanwhile, has long been working on its own robotic

delivery service, and this summer it unveiled a new drone that it said was optimized for courier work.

But technology is only part of the puzzle.

There are still questions about how drone delivery systems will navigate privacy and trespassing issues and concerns about noise.

“Legal precedent is very thin here,” said Arthur Holland Michel, co-director of the Center for the Study of the Drone at Bard College. “Little of the existing law is based specifically on drones.”

It’s also unclear who will be the ultimate arbitrator for these concerns. The FAA is in charge of aircraft safety, but questions of privacy or trespassing could be left up to the states, said William Breetz, vice president of the Uniform Laws Commission, a nonprofit organization that drafts model legislation for states and began tackling drone laws more than two years ago.

Here’s more information about some of these undetermined issues.

Do you own part of the airspace above your house or can a drone fly freely through?

When it comes to drone delivery services, questions about potential trespassing still remain.

Some property owners have argued that they own a certain amount of the airspace above their homes, meaning any drones that fly into that area without permission would be unwanted visitors.

Others have said you don’t own that when it comes to aircraft. Drones are catego-

rized as aircraft, and the FAA has stipulated that no one has the right to interfere with the flight of an aircraft.

“There’s a lot of uncertainty now in the law for those kinds of issues,” said Robert Heverly, associate professor of law at Albany Law School.

Others have expressed concerns about what kinds of data delivery drones could gather on their flights to and from dropoff points. Amazon has a patent for a data analysis system that would use information the drone collected during its flight to help make recommendations for future purchases. For example, if the drone took an image of your dead lawn while it was delivering your package, perhaps you’d get more online ads for fertilizer.

While many local governments forbid the use of drones for surveillance purposes, it’s unclear whether the activities described in Amazon’s data analysis patent would fall under that definition, Holland Michel said.

Current privacy standards were established long before the advent of drones, let alone potential drone delivery operations, he said.

“There are questions around whether these standards need to be updated in light of the fact that we are looking at a near-future where the airspace will be very crowded with drones that are all capturing information,” Holland Michel said.

If a drone has a glitch and drops its package on you, leaving you injured, who’s

decide what you can save every week. Or every month.

—Automate. Waiting to see how your spending goes each month and then deciding if you can afford to save is a recipe for failure. Set up an automatic transfer from your checking to a savings account. It’s free. Use an online savings account If your online account allows you to customize its name, go for it. That can be a psychological lift. Naming the account EmergencySavingsFund or ReadyForCurveballsFunds can motivate you to keep saving, and not touch the money until there is a true emergency.

—Nip and tuck. It would be fantastic if you could magically reduce big-ticket costs.

(Hint: smaller home and a used car Pull up your latest credit card and bank statements. At each item, stop and ask: Any way I can cut or trim this? A less expensive cell plan. How about the gym membership?

Their business plan expects many members will never go. Don’t be that sucker.

-Gig It. Take on extra work with the explicit intention that every dollar you make goes into your emergency fund. Maybe it’s working OT at your job, or taking on consulting work.

—Raises and bonuses. Have a plan before the extra cash hits your bank account. That’s money you didn’t have a month ago. Take at least half a raise and earmark it for raising your retirement savings. If you get a 4% raise, boost your 401(k) contribution rate by 2 percentage points. But if you don’t yet have an emergency savings fund that can cover you for at least three months, maybe split the 2% between retirement and emergency fund. How to get that? In an earlier column, I laid out the how-to of job offer and salary

negotiation: https://www.rate.com/research/ news/negotiating-starting-salary -Heard of FIRE? There’s a vibrant community of people determined to spend as little as they can today so they can retire much sooner than 65 or 70. The Financial Independence, Retire Early movement may be too extreme for you, but spend some time on FIRE websites or check out the Reddit FIRE subgroup and see what the buzz is about.

Rate.com/research/news ©2019 Rate.com News Distributed by Tribune Content Agency, LLC.

Living paycheck to paycheck? How to build your safety net

by Carla Fried

Living on the financial edge is an all-toocommon predicament for many households.

A Federal Reserve survey says four in 10 adults would find it hard to come up with $400 to cover an unexpected expense.

A Bankrate.com survey reports that fewer than one in five adults has Financial enough socked away to cover their living costs for six months. Six months seem extreme? Well, even though the economy is growing and a low unemployment rate suggests a robust job market, the most recent official data say 20% of people who are unemployed have been out of work for more than six months. During the last recession that rose to more than 40%.

Indeed, another survey from gobankingrates.com found that among people with an emergency fund, the three most common reasons to tap it were major household repairs (26%), car repairs (26%) and medical emergencies (25%).

According to the Fed report, in 2018 one in five adults had a major unexpected medical expense. The median expense was between $1,000 and $5,000. Insurance often isn’t enough, as high deductibles and rising copays can destabilize a household’s finances.

When big unexpected bills loom, a common stopgap move is to put them on a credit card with a balance that then goes unpaid.

At an average interest rate of 17%, that’s an expensive fix.

If you don’t have an emergency fund, or it’s not as plump as you would like, here’s how to get started and stay committed: -Think small. It can be a major de-motivator to pencil out how big a three-month or six-month emergency fund would need to be. Don’t focus on the end goal. Instead,

at fault?

In some cases, existing laws could apply.

For example, if a delivery drone dropped a package that hit someone, the drone operator and his or her employer would most likely be liable — in line with standard rules on negligence, Heverly said.

The same would likely apply to a drone that damaged property in the course of a delivery, Heverly said.

But it could get tricky if delivery companies employ subcontractors to operate the drones.

In those cases, the companies could defer responsibility to the contracted operator if something happened, though it depends on how much control the companies have over the individual subcontractors, Heverly said.

The more rules and restrictions the company has for its subcontractors, the more the company could be considered the employer, meaning it would take on the liability.

For the person who was hit by the drone, their lawyer would likely sue both parties — the drone operator and the company that hired that operator — and sort out the responsible party through litigation, Heverly said.

How loud is too loud for a drone buzzing through the air?

In April, Wing launched its first air delivery service in Canberra, Australia, but not all of the residents were happy with it. People complained that the drones were too noisy.

The Australian government later found that the decibel level from about 50 feet away was similar to a loud television and exceeded the daytime noise standard for the residential area. Wing developed a quieter propeller and promised other improvements, the Australian Broadcasting Corp. reported.

It’s still operating in Canberra.

Small drones can be significantly quieter than larger, professional-quality ones, though the sound from all drones are typically less noticeable the higher they fly, Heverly said. In the United States, he said, regulating drone noise will probably be up to local governments. ©2019 Los Angeles Times Distributed by Tribune Content Agency, LLC.

Turning negative at work? Here’s how to fend it off

by Liz Reyer

Q: I’ve been working with a co-worker who I’ve seen as pretty negative and who brings out the worst in me. But lately, I’ve been thinking that maybe I’m the negative one.

How can I get a clear view on myself and change my behavior, if Workplace needed?

-Andre, 50, creative director A: Reframing the issue to ask yourself if you’re actually the problem is a huge step forward!

Keep this thought process going to work through your next steps, starting with a deep look in your inner and outer mirrors.

First, test the idea that you are the one with the issue. If it has dawned on you that you’ve experienced this pattern before or if it’s occurring in multiple aspects of your life, you may well be right.

Dig more deeply into the pattern, noticing any triggers.

Maybe it shows up only if you’re under a certain level of stress, for example, having too many things to get done at once.

Underlying personality type differences can be an unrecognized source of stress.

Maybe people who are unusually dominant or unusually passive get under your skin.

You might need help seeing yourself clearly. If you have an appropriate development resource in your HR department, consider requesting a 360 review, getting feedback from people you work with. This can be both affirming and revealing.

Or ask trusted people; just be careful not to argue against their feedback and recognize that it might be hard to hear.

Look at your life more broadly.

If you’re dissatisfied with other aspects, this may be showing up as negativity at work, using this person as a scapegoat.

In that case, do the hard work of considering what you might need to change.

This may all take awhile to figure out.

Continued on page 24.

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• NOVEMBER 1, 2019 • Midlands Business Journal

REGIONAL LANDSCAPES

Briefs…

Quinn Texmo has received the Commercial Real Estate Women (CREW) Career Advancement for Women Impact award for consistently exemplifying the organization’s commitment to elevating the status of women in commercial real estate by working to advance the careers of other women. Texmo is the business development manager for Turner Construction in Omaha, responsible for building client relationships and securing profitable work for the firm.

First National Bank of Omaha announced the winners of its 2019 Community First Awards, which recognize and reward nonprofit organizations who are working to strengthen communities across the bank’s service area. First place winner: The Lane Thomas Foundation, located in Omaha, will receive a $25,000 donation.

Second place winner: Nebraska Humane Society, located in Omaha, will receive a $10,000 donation. Third place winner: Pathways Shelter for the Homeless, located in Yankton, South Dakota, will receive a $5,000 donation.

The U.S. Department of Housing and Urban Development awarded $240,519 to four housing counseling agencies in Nebraska to help thousands of Nebraskans make more informed housing choices, keep their current homes, or receive assistance to help them avoid foreclosure. In total, HUD awarded $42.8 million in housing counseling grants across the country.

Agencies in Nebraska include: Blue Valley Community Action Inc. in Fairbury, Credit Advisors Foundation in Omaha, Family Housing Advisory Services, Inc. in Omaha, and High Plains Community Development Corporation in Chadron.

Lawn Love, an app similar to Uber or Lyft but for professional lawn care services, is launching in Omaha. The service enables its users to instantly schedule, review, and pay for various types of yard work through the use of a mobile app or website. The platform is powered by satellite imaging software, which reviews a property and generates a quote in less than two minutes. It aims to provide small businesses with innovative scheduling, job routing,

and payment software. Each independent contractor goes through a screening process to assess their level of experience.

Users can schedule services including lawn mowing, weeding, aeration, gutter clearing and more.

Werner Enterprises was recognized among the Top Companies for Women to Work for in Transportation by the Women in Trucking Association for the second consecutive year. Werner was recognized for its support of gender diversity, flexible hours and work requirements, competitive compensation and benefits, and professional development opportunities and career advancement opportunities. WIT’s Redefining the Road magazine received nearly 11,000 votes to recognize the top 86 companies.

Google announced the acquisition and construction of a new data center in Papillion. The new facility represents a $600 million investment in Nebraska’s internet infrastructure, servicing more users in the region. As part of its commitment to the community, Google also announced a $100,000 grant to Springfield Platteview Community Schools to support the continued growth and development of the region’s computer science and STEM programs.

The Omaha Police Foundation is celebrating its 20th anniversary this year and, as a part of the commemoration, introduced a new logo. The refreshed logo design was inspired by the badge worn by the sworn officers of the Omaha Police Department and features a starburst image and a bison in the center. Founded in 1999, the Foundation provides financial support for the Omaha Police Department to ensure that officers have the training, equipment, and technology needed to prevent crime, save lives, and make Omaha a safer community.

Health care notes…

Two long-standing private medical practices in the Fremont community — Prairie Fields Family Medicine and 23rd Family Med — will soon be part of Methodist Health System. The practices will merge and become Methodist Physicians Clinic Prairie Fields. Both practices have been

serving area patients and families for more than 30 years and are located in the same building at 350 W. 23rd St. in Fremont.

Prairie Fields Family Medicine will officially become a Methodist Physicians Clinic on Nov. 1; 23rd Family Med will make the transition on Jan 1.

The UNMC College of Dentistry cut the ribbon on a $2.6 million renovation of its Omaha dental clinic at the Durham Outpatient Center. The complete facility renovation expands the dental clinic from seven dental chairs to 15, adds multipurpose rooms for special procedures, updates all the dental operatories, adds a conference room and updates the sterilization lab, reception area and support spaces. The growth of the dental clinic allows the College of Dentistry to increase the number of patients they serve, as well as accommodate a new residency program, Advanced Education in General Dentistry.

Heartland Oncology & Hematology, a community oncology/hematology practice in Council Bluffs, will be joining American Oncology Network, LLC, effective Nov. 1.

AON is an alliance of physicians and veteran health care leaders partnering to ensure the long-term success of community oncology.

By affiliating with the national professional services organization, HOH will increase its current service offerings to cancer patients at its multiple locations in Iowa. HOH will now provide an expanded oral oncolytic outpatient pharmacy, pathology and central laboratory services, care management and enhanced technology.

Education notes…

The Peter Kiewit Foundation has awarded a challenge grant of $225,000 to the University of Nebraska at Omaha College of Information Science & Technology for its CodeCrush program, a series of events designed to introduce 8th and 9th grade girls to iSTEM. The funds, which are committed to the University of Nebraska Foundation, will specifically be used to help continue the program’s biannual immersion experiences and the annual Summer Summit for CodeCrush alumnae, teachers, mentors and other stakeholders. As part of this matching grant challenge, the University of Nebras-

ka Foundation will secure an additional $225,000 in contributions over the next three years.

Metropolitan Community College has announced the new Unity 3D Academy, an MCC Workforce Innovation Division initiative that will offer individuals an opportunity to build upon existing computer programming skills using Unity, a game development tool used by professionals across several industries, from gaming and filmmaking to construction, engineering, architecture, real estate, manufacturing, automotive and more. Students in the fourmonth, part-time program will learn to design detailed 2D, 3D and virtual reality (VR) games and experiences.

Activities of nonprofits…

Cox Charities supported various schools across seven school districts through the Innovation in Education element of the program this spring. Recipients include: Arbor View Elementary, Elkhorn Public Schools; Belleaire Elementary, Bellevue Public Schools; Bellevue East High School, Bellevue Public Schools; DC West Elementary, Valley Public Scholls; Harrison Elementary, Omaha Public Schools; Lewis & Clark Middle School, Bellevue Public Schools; Oakdale Elementary, Westside School District; One Oak, Omaha Public Schools/Heartland Family Services; Reagan Elementary, Millard Public Schools; Rohwer Elementary, Millard Public Schools; Skutt Catholic High School, Archdiocese of Omaha; St. Peter & Paul Catholic School, Archdiocese of Omaha; St. Pius X / St. Leo School, Archdiocese of Omaha; Twin Ridge Elementary, Bellevue Public Schools; Two Springs Elementary, Bellevue Public Schools; Wake Robin Elementary, Bellevue Public Schools; and Wheeler Elementary, Millard Public Schools.

The 13th Annual Comfort Food Classic was attended by over 350 people and raised over $100,000 for Grief’s Journey. The competition featured six local restaurants serving their best comfort food and three local bakeries battling for the title trophies in their respective categories.

Several volunteers and one community orContinued on next page.

Midlands Business Journal • NOVEMBER 1, 2019 • REGIONAL LANDSCAPES Continued from preceding page. ganization were also awarded honors at the event. Via Farina took home the first place trophy. Sugar Coma Custom Treats won the dessert competition. Grief’s Journey also recognized: Tanya Shute-Kadey, Facilitator of the Year; Band of the Strong, Volunteer of the Year; and Saving Grace Perishable Food Rescue, Community Organization of the Year.

Arts and events…

The Great Minds Lecture Series continues with a presentation that includes excerpts from Madama Butterfly and a discussion about the power of art and the ways in which it influences our social and political views. An expert panel discussion will follow the performance. It will be led

by Bette Talvacchia, Ph.D., distinguished Professor Emerita of Art History at the University of Connecticut, on Nov. 6 from 7 p.m. to 9 p.m. at Kaneko. Seating is limited.

Admission is $5 for Kaneko members and $10 for the general public.

Scooter’s Coffee is providing customers and staff the opportunity to join the brand in honoring active and retired military personnel. Scooter’s will conduct 10 days of donations capped off by a special giveaway to one special veteran. The promotion is part of a long-standing partnership with Wounded Warriors Family Support. The partnership features two components: From Nov. 6 through Nov. 15, customers at participating Scooter’s locations have the opportunity to add $1 to their order, the proceeds of which

go to WWFS. Honorably discharged veterans who meets Scooter’s Coffee’s qualifications to be a franchisee, can receive a $20,000 product credit from Harvest Roasting.

The Joslyn Castle is hosting its annual Preview Party for the Historic Home Tour and Boutique on Nov. 8. The Preview Party offers preferential shopping at the boutique with drinks, hors d’oeuvres and live music.

Reservation to the Preview Party also includes a ticket to the Joslyn Castle Historic Home Tour and Boutique on the following Saturday and Sunday.

The MICAH House has brought back Comedy for a Cause on Nov. 8 from 6 p.m. to 9 p.m. at Whiskey Roadhouse. This year’s host is Heather Jones and the lineup includes Bill Blank, Austin Anderson, Cameron Logsdon and Kris Covi. All funds raised directly impact children, families, and individuals staying at MICAH House. General admission tickets are $35 and sponsorships are available.

Omaha Home for Boys is kicking off its 100 Year Anniversary Celebration with a Roaring 20s Gala on Nov. 8 at the Embassy Suites Hotel & Conference Center in La Vista. The evening will include 1920s themed cocktails and costumes, live music by the Diamond Empire Band, a speakeasy, casino games, photo booth, a Model-T, dinner, auction and more. Proceeds from the event will support the youth, young adults and families served by Omaha Home for Boys.

For tickets, visit OmahaHomeForBoys.org or call 402-457-7014.

MEETINGS AND SEMINARS Tuesday, Nov. 5 The Greater Omaha Chamber Young Professionals Council of Companies and the Council for Commitment to Opportunity, Diversity and Equity (CODE) present a Collaborative Series on Inclusive Leadership. The four-part series is designed for young professionals and leaders of employee resource groups (ERGs). In collaboration with Creighton University Graduate Studies and Heider College of Business, each event will explore emerging topics in the fields of diversity, inclusion and equity in the workplace. Thought leaders will equip attendees with tools and resources to effectively and inclusively lead in today’s changing environment. The presenter will be Dr. Christopher Whitt, Creighton University. The series is free. Registration is encouraged.

Iowa Western Community College’s Small Business Development Center is hosting a workshop on Advanced Excel techniques from 5 p.m. to 7 p.m. at IWCC. This course covers basic techniques for managing large or multiple worksheets. It includes tasks such as using large worksheets, working with multiple worksheets, managing worksheets, working with outlines, using Paste Special, and using range names, named ranges, and multiple workbooks. The student will also learn how to use other advanced functions as well as manage data and files.

Tuition is $50.

Wednesday, Nov. 6 Kelli Lieurance, a labor and employment law attorney and partner at Baird Holm, will keynote HRAM’s November chapter program, fields more questions every year at this time about how to handle the company holiday party. During her keynote,

Lieurance will discuss the legal pitfalls associated with this festive season. Attendees will learn what constitutes a harassment concern, whether holiday bonuses or gifts are considered wages, and whether or not holidays count as FMLA days. Lieurance will also help employers walk the fine line between political correctness and religious discrimination. The general public is invited to attend. Tickets can be purchased online.

Thursday, Nov. 7 The 2019 Nonprofit Summit of the Midlands, hosted by the Nonprofit Association of the Midlands and D.A. Davidson, will be at the Embassy Suites Conference Center in La Vista. The keynote speakers for the 13th annual summit are Frances Kunreuther and Sean Thomas-Breitfeld, co-directors of the Building Movement Project, which assists nonprofits in building grassroots support for progressive social change. The Summit will feature breakout sessions, a Catalyst Award and workshops on a variety of topics that will benefit nonprofit leaders of any experience level, including fundraising, lobbying, community building, team development and strategic planning. Registration is online.

Friday, Nov. 8 The Small Business Series returns for Protecting Your Small Business Assets at Gallup from 12 p.m. to 5 p.m. Attendees will learn: common legal liabilities that affect small businesses including contract disputes, damage claims by employees and customers, debts and mortgage obligations; which legal structures work best to protect your particular types of assets; and how to create and implement an asset protection strategy. Registration is online.

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• NOVEMBER 1, 2019 • Midlands Business Journal

Crane simulator trains Baltimore longshoremen without disrupting dock operations

by Colin Campbell

The recent surge of container traffic at the port of Baltimore’s piers has caused congestion on the docks, most notably for truckers, who often spend hours waiting for their cargo in long lines on Broening Highway.

Careers Training more longshoremen to operate the towering 140-foot container cranes and other equipment is key to making Seagirt Marine Terminal more efficient, but with ships calling the port on all but a few days this year, training requires waiting for an available crane or slowing operations while the worker learns.

So the Steamship Trade Association of Baltimore, which represents port employers including Ports America Chesapeake, the company that runs the state-owned container terminal, bought a $500,000 simulator this year to train crane operators in various conditions without affecting the day-to-day loading and unloading of cargo.

“Everything is ‘turn time’ in production with vessels when they come into the port,” said David Hartman, vice president of the Steamship Trade Association. “It’s getting that vessel loaded and unloaded safely, efficiently, and on its way. To train takes time.”

Container crane trainees now spend their first two weeks of their needed 400 hours of training on the simulator, which looks, feels and moves like a crane operator’s cabin. That lets them acclimate to the controls in a safe environment before trying their hands at the real thing during week three — rather than on day one.

“When he gets up in that crane (to train) with a veteran crane operator, he’s not killing so much time learning the basics,” Hartman said. “He’s learned the basics right here. And that veteran crane operator can help expedite his training and do it safely, more importantly.”

The GlobalSim Full Mission System simulator, which was installed at the nearby Point Breeze Business Center in March, is expected to reduce the length of the monthslong training program to as short as six weeks, said Charles “Buck” Lynch, the Steamship Trade Association’s safety and training manager.

That’s mostly because trainees won’t have to wait to learn the basics on available cranes, which often require maintenance on their rare days off.

Antwon Lemon, an 18-year Baltimore longshoreman, demonstrates an error while training in a new crane simulator at the Port of Baltimore, prompting a cracked screen.

The Steamship Trade Association of Baltimore, which represents port employers including Ports America Chesapeake, the company that runs the state-owned container terminal, bought a $500,000 simulator this year to train crane operators in various conditions without affecting the day-to-day loading and unloading of cargo. (Ulysses Munoz/Baltimore Sun/TNS) “Seagirt’s a busy place,” Lynch said. cent afternoon, said it mirrors the real thing.

Lemon, 38, demonstrated how to turn “The port of Baltimore’s a very busy on the controls, correctly set the crane’s place.”

“The majority of the problem is because “spreader” and “flippers,” and haul a 40it’s too busy — we cannot get a crane for foot container from a ship to a waiting training,” he said. “This way, we have a truck, or vice versa. The simulator rumbled simulation of a crane available seven days as the crane lifted and lowered the box, which swayed in the wind and with the a week.”

Inside the mostly enclosed cab, seven movements of the crane.

In the case of a dropped container or high-definition, flat-panel screens, including one on the floor, take the place of crane other accident, cracks appear all over the windows, surrounding the trainee and sim- simulated windows: game over.

“It gives you a really realistic idea of ulating the operator’s eagle’s-eye view of a what you’re getting yourself into on the container ship and the docks below.

From an instructor’s computer nearby, job,” he said. “You can drive without the Lynch can create different scenarios on the fear of hurting anybody.”

Crane operators are linchpin workers simulator. He can make the water choppy or calm, raise or lower the height of the tide, for the port. The speed they work at can adjust wind speed and gusts, change the dictate how long a vessel remains in port, time of day and visibility — and even trip or its turn time. Operators are measured up some of the crane controls so they don’t by how many of the truck-sized shipping work properly every time. Glitches happen containers they can lift on and off a ship in an hour. with the real-life equipment, after all.

And Baltimore’s operators are good, “Whoever’s in the seat, it keeps them on their toes if they don’t know what’s coming,” he said.

Antwon Lemon, an 18-year Baltimore longshoreman receiving training on a reby Ellen Chang Renting a place to live may give you the freedom to move when you want and relieve you of the responsibilities of homepositive message to wine lovers when the ownership, but at some point, most people winery can no longer host large groups or yearn for their own home.

Buying a house is a good way to start offer the same services as before.

“We used to host people on our property building financial secuFinancial and had a chef and very nice hospitality ex- rity. As you pay down perience on the property,” he said. “We lost the mortgage, you build up home equity, which is a valuable finanthe ability to have that.”

A timeline for rebuilding the destroyed cial resource.

Mortgage rates are low right now, so facility is still uncertain, said Signorello, because of a backlog of rebuilding projects if you think you’re ready to buy a home, for construction contractors. But, he added, it’s a good time to make the move. “For his workers were able to harvest nearly all prospective and actual homebuyers, the the grapes in 2017 and the wines that resulted decline in mortgage rates has provided a much-needed boost to housing affordabilfrom that harvest are exceptional.

“We made some very good wine in 2017,” ity,” says Mark Hamrick, senior economic analyst for Bankrate. “This comes after he said. home prices have risen steadily on a na©2019 Los Angeles Times tional basis since 2012.

Distributed by “For those who were inclined to buy Tribune Content Agency, LLC.

Wine country is struggling to attract visitors Continued from page 12. visitation numbers have reached pre-fire levels, said Ross Anderson, the winery’s estate director. None of the vineyards were damaged in the 2017 fire, he said, but about a quarter of the grapes were lost because workers couldn’t get access to some of the vineyards.

Anderson said he is troubled that people still ask him about the 2017 fire, adding that he plans to focus on promoting his wines, not on past disasters.

At Signorello Estate, the fire that burned the headquarters and tasting facility miraculously spared the vineyards and the fermentation tanks.

Before the building was destroyed, it hosted wine tasting events and five-course lunches, whipped up by an in-house chef.

For Signorello, it is difficult to send a

moving as many as 40 containers per hour.

The port has earned repeated recognition as one of the nation’s most efficient ports from the industry news site Journal of Commerce, moving an average of 71 containers an hour per berth served by two cranes.

That efficiency has helped make Baltimore a cargo destination again amid a surge in shipments coming to the East Coast from Asia after the opening of the expanded Panama Canal. Ports America acquired four giant container cranes to handle the largest ships coming through the canal and other yard cranes to move the containers around Seagirt.

And, while a good crane operator is critical, they must collaborate effectively with the work gangs and checkers below or their efficiency would go for naught.

GlobalSim’s Full Mission System simulator, which can also imitate rubber-tired gantry cranes, the spider-like wheeled cranes that lift, move and stack containers on the port, and the gear cranes on ships, is the Utah software company’s most popular and “without a doubt one of the premiere, high-definition simulators available on the market today,” according to the manufacturer’s website.

“Port authorities, universities, corporations, and other agencies throughout the world currently use our Full Mission platform as an integral part of their training — the platform is lauded for its exceptional realism,” GlobalSim’s website says.

The simulator “helps the vessel, it helps the manpower in the local, the longshoremen themselves, and then also the truckers,” Hartman said.

It will give more longshoremen a chance to work as crane operators, one of the most prestigious and highest-paying jobs on the docks, said Michael Coe, vice president and training co-chair of the International Longshoremen’s Association Local 333, which represents Baltimore dockworkers.

“With this program, we’re hoping to have more people trained this year than we have in the last 20 years,” Coe said. ©2019 The Baltimore Sun Distributed by Tribune Content Agency, LLC.

Eight signs you’re ready to stop renting and buy a home a home anyway, the drop in the cost of financing translates to a potential reduction in monthly mortgage payments. For those who weren’t initially intending to buy a home, the improvement in affordability might be what helps them to get off the proverbial fence.”

Deciding whether to rent or buy a home is a major decision. How do you know you’re ready? Here are eight signs that you’re ready to make the switch from renter to homeowner.

1. You’re tired of rising rent prices.

Rental prices are on the rise nationwide, according to ApartmentGuide, which tracks trends in the rental market. The average rent on a one-bedroom unit climbed 4.2% in 2018, to $1,140; two-bedroom units rose to $1,354 and studio apartments rose 5% to $1,065.

Rising rent makes it harder to budget for monthly housing costs and to save for Continued on page 24.

Midlands Business Journal • NOVEMBER 1, 2019 •

23

Franchising A section prepared by the staff of the Midlands Business Journal

Corporate Security A section prepared by the staff of the Midlands Business Journal

Topics may include:

Topics may include:

Franchising Overview • Choosing a Franchise • Financing Issues • Marketing a Franchise • Building your Franchise

Corporate Security overview • Authentication beyond passwords • Background Check/Safe Hiring Practices • BYOD • Cyber liability insurance • Keeping workplaces safe

Issue Date: November 15 • Ad Deadline: November 7

Issue Date: November 15 • Ad Deadline: November 7

A section prepared by the staff of the Midlands Business Journal

Women in Business A section prepared by the staff of the Midlands Business Journal

Topics may include:

Topics may include:

Architecture overview • Environmentally conscience design Renovations and rebuilding • New building tech • AIA Nebraska Omaha’s changing landscape • Career outlook • Interior design trends

Women in Business overview • Leadership Female entrepreneurs • CEOs, senior executives Emphasis on culture • Area educational institutions

Issue Date: November 22 • Ad Deadline: November 14

Issue Date: November 22 • Ad Deadline: November 14

To advertise your company’s products or services in one of our upcoming sections, contact one of our MBJ advertising representatives at (402) 330-1760 or at the email addresses below.

Julie Whitehead - Julie@mbj.com • Catie Kirby - Catie@mbj.com • Karla Steele - karla@mbj.com • Joe Misiunas - joe@mbj.com

24

• NOVEMBER 1, 2019 • Midlands Business Journal

Eight signs you’re ready to stop renting and buy a home Continued from page 22. other financial goals. When paying rent begins to feel like a bad investment and you want to build equity for the future, it’s time to figure out what loan you qualify for, says Bill Golden, a sales associate with ReMax Around Atlanta who has more than 30 years in the real estate business.

Golden says many renters are ready to buy a home once they are financially stable. Many are motivated by the pride of ownership and wanting more control over their dwelling place.

“If one or more of those is tugging at your heart, at least look into the possibility of owning rather than renting,” Golden says. “If you’ve seen your rent escalate significantly but you feel trapped renting, it means the balance may be tipping toward buying. With today’s escalating rental rates and low (mortgage) interest rates, chances are your monthly outlay could be less on a purchase than on a rental.”

2. Your credit score has improved.

Some renters are locked out of homeownership because they can’t qualify for a mortgage. A low credit score is a common reason why renters can’t make the leap to purchasing a home. A history of late payments and too much debt will hurt your score.

One sign that you’re ready to buy a home is having a healthier credit score, says Bruce McClary, vice president of communications for the National Foundation for Credit Counseling in Washington, D.C. Although borrowers with a credit score as low as 500 can qualify for some home loans, they will be required to make bigger down payments and pay higher mortgage rates. A good credit score gets you better interest rates and loan terms.

“Establishing a credit history or recovering from a credit setback can take time, but the goal of homeownership is still realistic under those circumstances,” McClary says. “Receiving help from a nonprofit housing counseling agency that also offers credit counseling programs can make a big difference for anyone struggling with those barriers to homeownership.”

Before you apply for a mortgage, get a free copy of your credit report.

3. You’re good at managing debt.

Another thing lenders look at when screening mortgage applicants is their debt-to-income ratio, or DTI. This is a key metric that’s calculated by adding up all monthly debts, then dividing the sum by your gross monthly income. The higher your DTI ratio, the more risk you pose to a lender.

Some conventional loans allow a DTI ratio of up to 50 percent, but many lenders prefer a ratio of no more than 43 percent.

If you previously had a high DTI ratio and have since paid off some high balances, you’ll be in a stronger position to get a mortgage.

You’ll also have more wiggle room in your budget to put money into an emergency fund for home repairs and other unexpected expenses.

“Keeping credit card balances low and debt under control is beneficial in many ways,” McClary says. “It’s important to consider that keeping credit card balances at or below 30% of the available credit limit has a positive influence on the credit score.”

Use our DTI calculator to figure out your debt-to-income ratio.

4. You have enough set aside for the extra costs of owning a home.

When a pipe bursts or the air conditioner goes out in a rental unit, you don’t have to worry about paying for it; that’s the landlord’s responsibility. The same goes for property taxes, routine maintenance and homeowners insurance.

That’s not the case when you own a home. All those costs are your responsibility. If your income has risen or you’ve been able to set aside savings, you might realize you have enough extra money to handle the added expenses of homeownership.

“Clearly, if you put everything you have into the down payment and such to buy a house, then you have no money to do repairs should they come up,” Golden says. “You’re better off spending less on the house so you have some money to make improvements and repairs.”

5. You can afford the down payment and closing costs.

“First-time homebuyers don’t have proceeds from another home to help fund

Turning negative at work? Here’s how to fend it off Continued from page 19.

In the meantime, everyone, including you, will benefit if you can modify your behavior.

Make a list of the ways you act when you’re negative. Then notice how you feel right before that.

For example, you might lash out. Do you feel tension building in your body before that? When you feel that tension, remind yourself to take a deep breath to release on an exhale rather than through angry words.

Develop habits of positivity. I heard a powerful testimonial on the value of affirmations just recently. Taping a list of positive messages to your mirror and repeating them 10 times out loud will help vaccinate you against negativity (appreciation to Lewiee Blaze for this!).

Notice beauty, turning negatives into positives. Is it cold? Notice the beautiful

sky. Raining? Admire the droplets on your window. Create opportunities to see beauty every day.

Go back to basics, doing your day-to-day activities with focus. Bring peaceful intention to the mundane tasks of folding your clothes, fixing dinner, running errands.

Find a way to find the humor in the hassles that inevitably come up.

Also consider ways to work peacefully with the co-worker you’re struggling with.

Think about their point of view and initiate conversations about constructive ways to work together.

Assuming that they are not gaslighting you (which would be a bigger issue), removing this life irritant will help you both. ©2019 Star Tribune (Minneapolis) Distributed by Tribune Content Agency, LLC.

the down payment. It’s one of the main reasons why the down payment is the biggest hurdle to homeownership,” says Rob Chrane, CEO of Atlanta-based DownPayment Resource, which finds programs that help people buy homes.

The down payment requirement depends on the type of home loan you get.

For conventional loans, 20% down is usually required if you want to avoid paying private mortgage insurance, or PMI. Some mortgages insured by the Federal Housing Administration, known as FHA loans, require just 3.5% down. Fannie Mae and Freddie Mac back some mortgage products that require just 3% down; and loans guaranteed by the U.S. Department of Veterans Affairs and the U.S. Department of Agriculture (USDA) require no down payment.

Renters interested in buying a home should compare different loan programs to see which one is best for them. In addition, there are grants and programs to help homebuyers with down payments.

“There is a wide range of programs for homebuyers today. We track more than 2,500 homeownership programs across the country administered by federal, state, county or local government agencies, nonprofits and employers.”

Another expense you have to be ready for is the closing costs, which typically equal 2% to 7% of the property’s sale price.

The good news is that some closing costs are negotiable.

“Because the buyers are putting so much of what they have into the down payment, we usually try to get a seller to pay some, if not all, of the closing costs,” Golden says. “Even if (the buyers) have to pay a little more for the house, it doesn’t hurt their pocket as much.”

6. You’re ready to settle down in one place.

Buying a home involves a lot of upfront costs that can take a few years to recoup, so if you anticipate moving before you can recover those costs, homeownership might not be right for you.

No one works at the same company for decades anymore, but a renter who is ready to buy a house should have job security, says Hamrick. A stable job means stable income, which lowers the risk that you will stop making your mortgage payments and default on the loan.

“For two-income households, obviously the risk and opportunity are twice that of situations where there’s just one wage earner,” Hamrick says. “In a perfect world, (buyers) would buy a home well beneath their means so they aren’t devoting so much of their income to the mortgage and other related costs.”

7. You’re going through a major life change.

Many renters decide to purchase a home after a major life event, such as getting married, says Henry Yoshida, a certified financial planner and CEO of Rocket Dollar, a Texas-based provider of self-directed retirement accounts.

Marriage, a growing family, a new job and children leaving the nest are catalysts for people to buy a home.

“The four major cities in my home

state, Texas, are simultaneously on top 10 lists for raising a family and retiring, so I see this firsthand,” Yoshida says. “My own neighbors on either side are retirees from California and a young family who relocated from the Northeast for a job.”

8. You know what you want.

It’s smart to have a good idea of the area or neighborhood you want to live in and the type of home you want before you begin your quest. Houses, townhouses, condos, co-ops, duplexes — there are lots of options out there and each one has its own considerations for costs, upkeep and personal enjoyment.

If you buy a condo, for example, you don’t have to do the yardwork, but in addition to your mortgage, you must be able to afford the homeowners association fees.

Determine what you need and what is most important to you. Is it being near a good school or within walking distance of your job? Do you mind navigating stairs or having neighbors live above you? Do you want lots of amenities?

If you’ve moved to a new city or state to take a job, it might be a good idea to rent until you’ve familiarized yourself with the area. That way, you are more likely to choose a home and neighborhood you feel good about.

READY TO LEAVE RENTING BEHIND? HERE’S WHAT TO DO NEXT Before you start looking at homes for sale, shop around, compare lenders and get preapproved for a mortgage. Getting preapproved helps you know how much house you can afford, what loan program is best for your situation and what price range to focus on so you don’t overextend your budget, says Ben Creamer, principal and managing broker of Downtown Apartment Co. in Chicago.

“This sets a realistic expectation for what the buyer is qualified to purchase, as well as what financial resources will be needed for closing,” Creamer says. “Knowing this upfront allows sufficient time to save and test the budget constraints.”

Choose a fixed-rate loan for 15 or 30 years if you want predictable, stable mortgage payments. However, don’t forget that owning a home involves a lot more than the monthly principal and interest payments for a mortgage. Property taxes and homeowners insurance are additional expenses that can increase your monthly payments over time, as is PMI if your down payment was too low. Then there are repairs, maintenance and utility costs to budget for, too.

As you weigh the decision to buy a home, make sure you can reach your other financial goals, Hamrick says. A new mortgage shouldn’t prevent you from paying down student loans and credit cards or from saving for retirement.

“In order for (buyers) to have a good chance of achieving a range of financial objectives, they should also have emergency savings,” Hamrick says. “That’s because of the inevitable expenses associated with homeownership.” ©2019 Bankrate.com Distributed by Tribune Content Agency, LLC.

Midlands Business Journal • NOVEMBER 1, 2019 •

2019 40 Under 40 Winners Jennifer Anderson

Children’s Hospital & Medical Center

Crystal Archer

Cameron Gales Jacobs

Bianca Harley

PJ Morgan Real Estate

Greater Omaha Chamber

Whitney Baker

Jamie Hopkins

MENTOR Nebraska

Lisa Barton

Makovicka Physical Therapy

Jamie Blanchard Schneider American Heart Association

Dana Burkey

Midwest Laboratories

Courtney Callaway

Prime Choice Insurance

Michelle Diaz

Immanuel Communities

Dr. Stephanie Dredge

Carson Group

Shawntea Moheiser ITS Healthcare, LLC

Kristopher Montgomery

McCarthy Building Companies

Stephanie Moss

Stephanie Moss Salon and Skincare

Zachory Klebba LEO A DALY

Emily O’Connor

Lockwood Development

Elizabeth Kraemer

Kari O’Neill Potts

University of Nebraska Foundation

Jenny Kruger

Valmont Industries, Inc.

Iowa Western Community College

Marco Kpeglo LeRoc

Erin Pogge

N & M Brokerage Services, LLC

Marco Leroc & Company

Sara Porter

Heartland Properties

Laurie Matthews Tullius UNO/Nebraska Business Development Center

Andrea Purdy

Jeff Skalberg NoteWorthy

Karine Sokpoh

Sokpoh Law Group

Jeff Spiehs

Omaha-Council Bluffs Metropolitan Area Planning Agency

Carolyn Sutton

Carolyn Sutton PR

Bentley Swan

Swan Development

Brandy Wallar

Lynn Schneider

Meaghan Walls

Green Hills Area Education Agency

Emspace + Lovgren

Laura Essay

Kellee Mikuls

Allison Schorr Zach

Woman of Distinction: Cella Quinn

Cortney Sells

The Firm Advisors, LLC

New Visions Homeless Services

Jodie McGill

CBRE

The Scoular Company

Omaha Performing Arts

McGill Law, PC, LLO Nebraska Collaborative Center

Dvorak Law Group, LLC

Kristen Seda Kampfe

ICAN

Assistology, LLC

Scott Yahnke

Omaha Home for Boys

Young Entrepreneur of the Year: Colin Nabity LeverageRX

Look for our special supplement in the Nov. 8 issue featuring our 2019 class of 40 Greater Omaha, Sarpy County and Council Bluffs entrepreneurs, executives and professionals under the age of 40.

2019

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26

• NOVEMBER 1, 2019 • Midlands Business Journal

In the Spotlight Paid Content

LEGAL SERVICES

LEGAL SERVICES

LAW SERVICES

FINANCIAL SERVICES

Hired

Hired

Hired

Awarded

Cameron Riecke

Drew Engle

Sami D. Schmit

Kim Kropp

Associate Attorney

Associate Attorney

Associate Attorney

Co-Founder, Partner

Lamson Dugan & Murray

Lamson Dugan & Murray

Rembolt Ludtke LLP

Moylan Kropp

Sami D. Schmit is a recent graduate of the University of Nebraska College of Law. She grew up in the Sandhills of Nebraska and maintains strong connections to the Western portion of the state. Her work ethic represents the upbringing she had and is a valuable asset to her clients and Rembolt Ludtke as a firm.

Cameron Riecke is an associate attorney in Lamson Dugan & Murray’s business department. Mr. Riecke graduated magna cum laude with his bachelor’s degree in Industrial Distribution from the University of Nebraska-Kearney and earned his J.D. from the University of Nebraska College of Law with an emphasis in Business Transactions. At law school, Mr. Riecke was a Senior Member of the National Moot Court Board and participated in the Business + Law Initiative, StudentFaculty Building & IT Committee, Delta Theta Pi, and the Volunteer Income Tax Assistance (VITA) program.

Drew Engle is an associate attorney in the litigation department at Lamson Dugan & Murray.

Mr. Engle graduated cum laude from Creighton University School of Law with a concentration in litigation. Mr. Engle was a member of the Creighton Law Review and served on the Executive Board of the Law Review as Research Editor. Prior to law school, Mr. Engle worked in state government, construction, and telecommunications.

LEGAL SERVICES

LEGAL SERVICES

ENGINEERING & CONSTRUCTION

Hired

Hired

Hired

Patrick Wier

Ellen Geisler

John Kottmann, P.E.

Associate Attorney

Associate Attorney

Sr. Civil Engineer

Lamson Dugan & Murray

Lamson Dugan & Murray

Thompson, Dreessen & Dorner, Inc.

Patrick Wier is an associate attorney in Lamson Dugan & Murray’s litigation department. Mr. Wier graduated cum laude from Creighton University School of Law with a concentration in litigation and a Masters in Negotiation and Conflict Resolution. While in Law School Mr. Wier was the President of the Student Bar Association. Mr. Wier received his bachelor’s degree in Political Science with concentration in American Politics and Law, from the United States Naval Academy in Annapolis, Maryland.

Ellen Geisler is an associate attorney in Lamson Dugan & Murray’s litigation department. Ms. Geisler graduated with distinction from the University of Nebraska College of Law. While at law school, Ms. Geisler served as an officer for the Nebraska Moot Court Board and as a member of the Nebraska Law Review.

She also participated in the Nebraska College of Law’s Civil Clinic as a Senior Certified Attorney, in which she primarily assisted and advocated on behalf of low-income veterans. Based on her exceptional work, she received the CALI Excellence for the Future Award in Civil Clinical Practice. This award is given to the highest scoring student in each law school course.

The Thompson, Dreessen & Dorner, Inc. Management Team is very excited to announce the return of John Kottmann, P.E., to TD2. John is retiring from the City of La Vista Public Works Department as their City Engineer.

However, before he joined the City in 2010, he was a Senior Project Civil Engineer for TD2. John began at TD2 in 1981 as a Design Engineer and over 29 years, and scores of critical projects, he was an instrumental force in TD2’s longevity and success. Bob Dreessen, Chairman of the Board, describes John as a “clear thinker” who could look forward and anticipate the many reviews, reactions, etc. that would be upcoming in the course of a project.

He was committed to doing good work and fostered that philosophy with other engineers just getting their feet on the ground. We have missed him and welcome his perspective from his time in a governmental environment and know the impact his presence will have on our organization will be monumental. TD2 provides Civil, Environmental, Geotechnical, and Structural Engineering as well as Land Surveying services for municipalities, counties, government agencies, land and property developers, building owners, attorneys, contractors, architects, and homeowners.

Submit your company’s employee announcements to Spotlight@mbj.com

Kim Kropp, cofounder and partner at Moylan Kropp, Omaha, Nebraska, received the 2019 Award for Exemplary Practice at the 8th annual Ladenburg Institute of Women & Finance national symposium. The award recognizes an outstanding female financial advisor for bringing other women into the industry and nurturing their careers through mentoring and leadership; providing internships and career opportunities; and impacting women through professional outreach. Kropp, one of Securities America’s top advisors has, throughout her 31 years in the financial industry, given her time, expertise and experience to other professionals and students, especially women, said Janine Wertheim, president of Securities America Advisors and senior vice president and chief marketing officer for Securities America.

Since its inception, Kropp has helped develop other female financial advisors through the LIFT Women’s Mentorship program, Securities America’s internship program, Ladenburg’s Link To The Future (LTTF) program and numerous national and local events. As a board member for the Financial Services Institute, Kropp advocates for financial advisors on Capitol Hill, showing the nation’s leaders and the public the positive impact advisors make in their clients’ lives. Kropp’s impact on young women continues after an official mentorship or internship has ended, throughout their academic and professional careers; Moylan Kropp’s most recent fulltime hire was a college graduate Kropp mentored through Securities America’s internship and Ladenburg’s LTTF programs. “Kim is a pioneer whose vision, expertise and overall excellence have paved the way in advancing women’s careers in finance,” Wertheim said. Securities America, a wholly owned subsidiary of Ladenburg Thalmann Financial Services Inc. (NYSE American: LTS, LTS PrA, LTSL, LTSF, LTSK, LTSH), is one of the nation’s largest independent advisory and brokerage firms, with 2,600 independent advisors and approximately $97 billion in client assets as of June 30, 2019.

Securities offered through Securities America, Inc., member FINRA/SIPC. Advisory services offered through Moylan Kropp, LLC. Moylan Kropp, Ladenburg Thalmann Financial Services and Securities America are separate entities.

Midlands Business Journal • NOVEMBER 1, 2019 •

27

In the Spotlight Paid Content

AGRICULTURE

AGRICULTURE

LEGAL SERVICES

Retiring

Promoted

Hired

Jim Farrell

Julie Gerken

Angela H. Heimes

President, CEO

CFO, SVP

Director

Farmers National Company

Farmers National Company

Iowa native Jim Farrell, president and CEO, has been with Farmers National Company since 1986. He took a position with Farmers National Company at its Southeast Minnesota office in Rochester where he managed and sold farms during the heart of the farm crisis. Eventually, Farrell was promoted to vice president of business development. He advanced to become vice president of marketing and then in 2004 he was named president and CEO. Farrell will be retiring from the employee-owned company effective Dec. 31, 2019. “Our greatest satisfaction as a company is when we can help a landowner or mineral interest owner with concerns or issues that they may have with the management of their property,” Farrell said. “The company has continued to grow, doubling in the number of employees and associates since 2005.

Income has grown by four times during that timeframe. A good group of loyal employees and associates, along with a great business plan, good longrange planning and good timing in our markets allowed for this growth.”

Dave Knutson was replaced by Julie Gerken, senior vice president - financial services/treasurer with Farmers National Company. Gerken has been with Farmers National Company since 2014 and brings extensive knowledge of the best accounting practices for clients and the company. After graduation from University of Nebraska-Omaha, she went into public accounting for 17 years before joining Farmers National.

Gross & Welch, P.C., L.L.O.

AGRICULTURE Promoted

David Englund President, CEO Farmers National Company

Farmers National Company has named President & CEO Jim Farrell’s successor, David Englund. He currently oversees the company’s farm management sector and hires, trains and supervises field operations for the company. Englund grew up on a farm in Nebraska and holds an agricultural business degree from Kearney State College, is an accredited farm manager and possesses numerous certifications in real estate and crop insurance.

AGRICULTURE

AGRICULTURE

Retired

Promoted

Dave Knutson

Ken Schmitt

CFO, Treasurer, SEVP

Senior Vice President, Farm and Ranch Management

Farmers National Company

Farmers National Company

Farmers National Company chief financial officer and treasurer/ senior executive vice president Dave Knutson grew up on his family farm in northwest Kansas. Knutson joined the Farmers National Company team as a fiscal leader. In the 30 years he was with Farmers National Company, he carried out corporate and client financial reporting and overseeing the human resources department, the oil and gas management division, the lake management division, the information technology department and the insurance department. He also has served as trustee for the employee stock ownership plan since its creation in 2000. Knutson officially retired in July.

David Englund’s current position as Senior Vice President, Farm and Ranch Management will be filled by Ken Schmitt, area vice president for the central area in Jefferson, Iowa. Ken grew up on a farm in Lohrville, Iowa, graduated from Iowa State University and is an accredited farm manager (AFM ) through the American Society of Farm Managers and Rural Appraisers (ASFMRA). Schmitt has been with Farmers National Company since 1986 and has extensive knowledge and expertise in farm management. He is an accredited farm manager and has received numerous awards over his tenure with Farmers National Company. He has served on the company’s board of directors and will join the home office in Omaha, Neb.

The Omaha law firm of Gross & Welch is pleased to announce that Angela H. Heimes has joined the firm as a Director. Ms. Heimes earned her law degree from Creighton University in 1997. She received her undergraduate degree from Park University, where she graduated Magna Cum Laude. Ms. Heimes’ practice is primarily focused on family law, divorce, child custody,

guardianship and conservatorship, criminal defense and juvenile law. She is a member of the Nebraska State Bar Association and Nebraska Criminal Defense Attorney’s Association. She is licensed to practice in Nebraska.

The law firm of Gross & Welch was founded in 1927 by Daniel J. Gross and is located in Omaha, Nebraska.

The firm represents clients throughout the states of Nebraska and Iowa in the following practice areas: civil litigation, business law, insurance law, estate planning and probate, real estate, family law, workers’ compensation, bankruptcy, employment law, and banking law. More information about the firm can be found at www. grosswelch.com.

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FINANCIAL & TAX PLANNING SELF IMPROVEMENT IN THE NEW YEAR WEDDINGS BUSINESS ANNUAL/PREVIEW RETIREMENT & SENIOR ISSUES OMAHA REAL ESTATE BUSINESS PLANNING IN 2014 SPORTS & RECREATION AIR HUB OMAHA VALENTINE’S GIFT GUIDE FINANCING STARTUPS TECHNOLOGY HEALTH INSURANCE PRINTING & GRAPHICS ENGINEERING PROFESSION BUSINESS SUCCESSION & TRANSITIONS WOMEN’S LEADERSHIP CONFERENCE HOME TRENDS INVESTMENTS OFFICE SERVICES GUIDE FASHION BANKING IN THE MIDLANDS GUIDE TO COMPANY PICNICS COMMERCIAL REAL ESTATE WORKSHOP AG TRENDS IN THE MIDLANDS SAFETY & HEALTH SUMMIT BUSINESS APPEARANCE: INTERIOR AND EXTERIOR TECHNOLOGY SMALL BUSINESS ADMINISTRATION INVESTING FOR RETIREMENT HOTELS AND TOURISM LEGAL PROFESSION BIG O! EXCELLENCE AWARDS COUNCIL BLUFFS GROWTH REPORT CELEBRATE CONSTRUCTION MARKETING, ADVERTISING & PROMOTIONS ENERGY & UTILITIES SALUTE TO SMALL BUSINESS COMPANY OUTINGS EDUCATION & CAREER DEVELOPMENT SARPY COUNTY GROWTH REPORT HEALTH & WELLNESS GOING GREEN CONDO LIVING HUMAN RESOURCE MANAGEMENT TECHNOLOGY TRANSPORTATION, DISTRIBUTION & WAREHOUSING ARTS & ENTERTAINMENT ACCOUNTING PROFESSION COMMERCIAL OFFICE SPACE DIRECTORY NONPROFITS WORK RELATED INJURIES EVENT PLANNERS/TRADE SHOWS SENIOR ISSUES HOLIDAY OFFICE PARTIES GUIDE LINCOLN GROWTH REPORT TECHNOLOGY OFFICE DESIGN TRENDS PROPERTY & CASUALTY INSURANCE CAREER TRANSITIONS & JOB SEARCH SHOPPING/MALL SPACE DIRECTORY HOME IMPROVEMENT/MAINTENANCE GO GREEN: INDUSTRY & THE ENVIRONMENT NEBRASKA PRODUCTS SHOW LIFE INSURANCE WEB DEVELOPMENT & SOCIAL MEDIA HOLIDAY OFFICE PARTIES GUIDE BREAST CANCER AWARENESS BIG O! SHOW PROGRAM AVIATION IN THE MIDLANDS OMAHA GROWTH REPORT

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SAVE TIME, MONEY AND HASSLE WITH AN ANNUAL Midlands

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• NOVEMBER 1, 2019 • Midlands Business Journal