Cedar Valley Business Monthly - Feb. '10

THE COURIERPAGE FRIday, JanUaRy 29, 2010www.wcfcourier.comcedar valley business monthly

THE COURIER PAGE cedar valley business monthlyFEBRUARY 2010 cvbusinessmonthly.com

RICK CHASE / Courier Staff Photographer

Matt Halbur of Rydell Chevrolet in Waterloo holds a photograph of the new Chevrolet Volt.

By JIM [email protected]

WATERLOO General Motors Corp. says it expects its new Chevrolet Volt to get 230 miles per gallon, but certainly the automakers marketing efforts behind the new plug-in hybrid model are generating higher numbers than that.

Other numbers have garnered some attention:

GM said in December it is investing $700 million in Michi-gan to build the Volt and its components.

The car, which GM says will go 40 miles exclusively on bat-tery power, with its lithium ion

pack fully charged, is expected to cost between $35,000 and $40,000. That price range could keep many away, but the com-pany said tax incentives for buy-ers are expected to make it more affordable as the company ramps up manufacturing and lowers its costs.

Plugging the car into a stan-dard outlet for eight hours is supposed to charge the car up for another 40-mile trip.

Perhaps the biggest number for local dealers who will receive Volts is 10 as in Nov. 10. Thats the date GM has announced it will officially launch the model.

This represents a new page in the automotive industry, said

Matt Halbur, executive manager of Rydell Chevrolet in Waterloo.

Halbur said his dealership is super excited about getting a chance to sell the plug-in hybrid because of the turning point the model represents in automotive technology.

The new Volt will be a cor-nerstone for the next decade of vehicles that will be offered by Rydell Chevrolet, Halbur said. The Volt is a cultural change in the way we drive, resources we use, and how we protect the environment we live in.

The new technology is the latest step in the blending of

A jolt from VoltGM has high hopes for new high-mileage hybrid

Volume 4 l No. 3

BUSINESS MONTHLY columns

Page 5 Jim OffnerFuel and transportation sectors key to regions future.

Page 13 University of Northern IowaUNI explores conservation on and off campus.

Page 23 Wartburg CollegeAt Wartburg, they may Be Orange, but theyre going green.

BUSINESS MONTHLY staff directoryEDITORIAL CONTENTNancy Raffensperger [email protected](319) 291-1445

Jim [email protected](319) 291-1598

ADVERTISINGJackie [email protected](319) 291-1527

Sheila [email protected](319) 291-1448

Bret [email protected](319) 291-1403

Cedar Valley Business Monthly is published monthly. It is a free publication direct-mailed to more than 6,500 area businesses. For distribution, call Courier Communications at (319) 291-1527 Contact Cedar Valley Business Monthly at P.O. Box 540, Waterloo, IA 50704.

BUSINESS MONTHLY on the cover

GM says the new Chevrolet Volt is expected to get 20 miles per gallon and will go 40 miles exclusively on battery power with its lithium ion pack fully charged. The car is expected to cost between $5,000 and $40,000.

www.cvbusinessmonthly.com

See VOLT, page 7

THE COURIERPAGE cedar valley business monthly

In energy circles, its often said energy is the economic engine that drives the worlds economy.

If true, were in for a bumpy ride.

According to the Energy Infor-mation Administration, world-

wide energy demand is poised to increase 35 per-cent by 2030 as develop-ing nations like China and India modern-ize and expand their economic output.

To meet this demand, its estimated elec-tric utilities will have to make

an infrastructure investment of up to $2 trillion. The staggering costs will likely be passed on to ratepayers.

Energy efficiency can help alle-viate costs by reducing strain on the stressed electric grid and reducing costs for users of ener-gy-efficient technologies.

And the technology to achieve

these goals is available in ener-gy-efficient, high-intensity dis-charge lighting for commercial and industrial facilities.

Commercial and industrial lighting makes up 65 percent of all the lighting used in the United States. In 2005, commercial and industrial facilities spent $42 bil-lion on electricity for lighting.

The EIA estimates that as of 2003, 455,000 commercial or industrial buildings in the U.S. still utilized traditional, ineffi-cient lighting systems. With an average of 500 lights per facility, thats more than 227 million inef-ficient lighting fixtures.

If each of these facilities would replace traditional lighting sys-tems with energy-efficient high-intensity fluorescent lighting, it would displace more than 55,000 megawatts of power from the electric grid or the equiva-lent of 111 power plants. And the payback period in a large major-ity of the retrofit projects is less than two years.

Even more powerful is that when fluorescent lighting sys-tems are integrated with the latest wireless controls and solar day-lighting technology, the capac-

ity delivered could be as much as 81,000 megawatts, or equivalent to more than 160 power plants. Thats the air-scrubbing equiva-lent of 111 million acres of trees, removing 97.8 million cars from the road or saving more than 50 billion gallons of gasoline annu-ally, according to the Environ-mental Protection Agency.

While many companies are waiting for technologies like solar, wind and biomass to become economically viable, thousands are already reaping the benefits of energy efficiency by reducing costs and positively affecting the environment.

The benefits of energy-effi-cient fluorescent lighting go

beyond economics and environ-ment. Fluorescent lighting has been proven to increase employ-ee morale and productivity. After all, would you rather work under the traditional high-intensity discharge lights that produce a dark, yellow-orange hue, or new lighting technology that produc-es a bright, crisp light often com-pared to sunlight at noon?

Some advantages of the natural light produced by high-intensity fluorescents include:

Reduced worker illnesses and injury.

Enhanced productivity.Improved visual acuity,

reduced eyestrain and fewer headaches.

Energy Systems of Iowa and its parent company, Orion Energy Systems of Manitowoc, Wis., are leaders in providing energy solutions including high-intensity fluorescent lighting to companies throughout the Greater Cedar Valley area and beyond.

Orion is a recognized expert in the energy-efficiency indus-try, having deployed its propri-etary energy systems in more than 5,000 facilities, including 120 of the Fortune 500, and has saved its customers more than $710 million in energy costs, and helped prevent more than 6.1 million tons of carbon dioxide from entering the atmosphere.

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Energy-efficient high-intensity fluorescent lighting pays for itself

Jamie Chapman

of Energy Systems of Iowa can be reached at 319) 239-1823

or [email protected].

THE COURIER PAGE cedar valley business monthly

< Basic Machining February 8 - March 10Blueprint Reading/GD&T February 16 - April 6Beginning AutoCAD February 16 - April 6

< Industrial Electrical Systems February 22 - April 26Programmable Logic Controllers February 23 - April 13Electrical Troubleshooting Techniques

February 24 - March 17Motors & Controls February 25 - April 15

< Welding AWS Qualification - February 8 - April 12MIG Welding February 8 - April 12Stick Welding February 8 - April 12TIG Welding February 8 - April 12

Cedar Falls Center, 5330 Nordic Drive, Cedar Falls, IA 50613

For more information or to register call 319-277-2490.www.hawkeyecollege.edu/businessandtraining

Sign up soon for evening classes!

< Basic Machining February 8 - March 10Blueprint Reading/GD&T February 16 - April 6Beginning AutoCAD February 16 - April 6

< Industrial Electrical Systems February 22 - April 26Programmable Logic Controllers February 23 - April 13Electrical Troubleshooting Techniques

February 24 - March 17Motors & Controls February 25 - April 15

< Welding AWS Qualification - February 8 - April 12MIG Welding February 8 - April 12Stick Welding February 8 - April 12TIG Welding February 8 - April 12

Cedar Falls Center, 5330 Nordic Drive, Cedar Falls, IA 50613

For more information or to register call 319-277-2490.www.hawkeyecollege.edu/businessandtraining

Sign up soon for evening classes!

cvbusinessmonthly.comFEBRUARY 2010

Fuel, transportation keys to areas future

This is shaping up to be an ideal year in which to blend automo-

tive and energy sectors. The two always have gone h a n d - i n - h a n d anyway.

Now more than ever, the focus on changes within both businesses is growing more intense. Green is the new magic word in energy production and c o n s u m p t i o n .

Wind power has put Iowa in the center of conversations about renewable power generation. Biofuels are powering more of the agriculture sector than ever before, both as fuel and source of revenue. The Cedar Valley TechWorks project is concrete evidence this ag-based region is pinning its economic future on renewable fuels.

Were not just talking about a curiosity here; its big business. TechWorks itself is a $39 million investment in the Cedar Valley economy, a brick-and-mortar testament that bio-based fuels will play a vital role in the regions economic future.

People are paying attention, too, because everybody still needs to get around and as the seasonal Arctic blasts have reminded us keep warm.

There is more talk than ever of rail travel returning to the Cedar Valley. One of the centerpiec-es of the Greater Cedar Valley Alliances legislative wish list is to bring passenger train service back to the area, connecting the region with Chicago, Cedar Rap-ids, Iowa City and, ultimately, all points west.

We just know that as long as theres this federal money out there, that if there were a way for us to try to tap into that, with the help of the DOT and the like, we could try to benefit from that in

the Cedar Valley, as opposed to being one of the last communi-ties in the nation to get hooked up to the Interstate system, Steve Firman, the alliances director of government relations, said after the group met with members of the local legislative delegation.

The energy sector also is star-ing at more ominous spectres, with some federal lawmakers still pushing the punitive cap-and-trade provisions that hammer regions like the Midwest that depend heavily on coal and other fossil fuels. Cap-and-trade pun-ishes businesses and consumers, alike, so the business commu-nity will have to be watchful that Congress or federal bureaucrats not impose such a punitive policy on it and its customers.

The automotive industry will reach a crossroads this year when General Motors launches its long-anticipated plug-in hybrid model, the Chevrolet Volt. The technology puts a different spin on hybrid automotive technol-ogy, long associated with Toyota and its Prius. In the latter, the car is powered by a gasoline engine, assisted by a battery pack. GMs idea creates a car that is powered by a battery pack, assisted by a small gasoline-powered engine.

Expect other innovations in the automotive industry to follow. If the Volt is a success, GM stands to earn credit for creating a mile-stone in automotive technology.

A hint of where the region is headed in these two crucial areas can be found in this months issue of the Cedar Valley Busi-ness Monthly. From efficient home energy to cutting-edge automotive technology, from power generation to conserva-tion, the pages of this months edition are rife with an array of business perspectives.

The contributors to this months Business Monthly should provide a clue to where the region is headed in these important areas.

Jim Offneris The Courier

business editor. Contact him at jim.offner@

wcfcourier.com.


Whether you are building a new home or improving your existing home, adding additional insula-tion to an attic is often one of

the most cost-effective strate-gies for improv-ing the energy performance of a home. Not only will the added insula-tion reduce heating and air c o n d i t i o n i n g bills, it will also improve com-fort by helping to seal air leaks.

Most of us know hot air rises; how-ever, many

homeowners neglect to inspect their attic for proper attic insu-lation. Improperly installed or inadequate attic insulation is a leading cause of heat loss in the home. The homeowner should check to see if the attic insula-tion is adequate. Increasing your homes attic insulation from three to 12 inches can save you

up to 20 percent in your heat-ing bills. The recommended level for most attics is to insulate to a minimum of R-38 or about 10 to 14 inches, depending on insula-tion type. Check with your utility company to see if they are offer-ing any rebates on insulation and what the requirements are.

Types of blown-in insulationThe two commonly used types

of blown-in attic insulation are cellulose and fiberglass. Cellulose is a natural wood product and made primarily from recycled newspaper with a fire retardant chemical is added. Blown-in fiberglass insulation is the same type of material that is found in batts or rolls of insulation, except it is chopped or cubed so that it can be installed with an insula-tion blowing machine. Fiberglass insulation is typically 20 percent to 30 percent recycled glass

The R-value of loose fill cellu-lose is R-3.2 to 3.8 per inch. Loose fill fiberglass has an R-value of R-2.2 to 2.7 per inch. Achieving the desired R-value depends on both the depth of the insulation and its density. A properly insu-

lated attic should have at least 10 to 12 inches of cellulose or 14 to 17 inches of fiberglass.

The right kind of insulationWhen adding additional insu-

lation, you do not have to use the same type already in your attic. You can add loose fill on top of fiberglass batts and vice-versa. If you use fiberglass over loose fill, make sure the fiberglass batt has no paper or foil backing; it needs to be unfaced. If you choose to add loose fill, it may be wise to hire a professional, as applica-tion requires the use of a blowing machine. Some lumber yards and rental companies rent out the machines. Use attic rafter vents (Styrofoam chutes) to insure the insulation does not block soffit vents. It is important to maintain air flow from the soffits to the attic to prevent ice dams.

Ice dams, attic ventilation Ice dams are a common prob-

lem in cold climates. They can cause thousands of dollars in roof leaks and structural damage. They can also create dangerous mold growth which can cause or aggravate allergies, asthma and other respiratory diseases. Ice dams occur when the under-side of the roof is warm above the living space of the home, it causes the snow to melt until it reaches the overhangs. Once that occurs, ice is formed because the roof over the overhangs is colder. Water then pools above the ice near the overhangs and seeps under the shingles.

Ideally, the entire roof deck should remain as cold as the overhangs to eliminate any melt-ing. This will allow the snow to dissipate or melt evenly from the sun. Proper ventilation in

the attic is just as important as adequate insulation. Rather than heating the roof, the goal is to keep it cold so snow on the roof evaporates without making large amounts of meltwater. The best way to maintain low tempera-tures in your attic is adequate insulation and sealing gaps that let warm air pass into the attic from the house. The attic must also be well ventilated so cold air is introduced into it and heated air escapes. Keeping the under-side of the roof below 30 degrees is essential to prevent ice dams.

If you wish to make your home or business more energy effi-cient, check with a local build-ing contractor to evaluate your attic insulation and ventilation. You will not only feel good about reducing energy bills and going green, you will also feel good about saving money.

0129030GIBSON SPECIALTY

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cvbusinessmonthly.com

Green winterization tips for attic insulation, ventilation

Dave Bartlett is owner of Dave

Bartlett Construction Inc. in Cedar Falls.

Contact him at (319) 268-9501,

231-6495 or dave@davebartlett

construction.com.

FEBRUARY 2010


The Value of a Wartburg Education

Michelle Fiene 11 Waverly I had a summer internship in Denver, Colorado, and got valuable work experience. Now thats Be Orange value at Wartburg College.

Eboni Coats 11Collins, Mississippi Participating in service trips at Wartburg has helped

strengthen my duty to civic engagement. Now thats

Be Orange value at Wartburg College.

Chondraah Holmes 11Waterloo

Being a resident assistant at Wartburg College taught me the

importance of strong and caring

communities. Now thats Be Orange value at Wartburg College.

Rachel Pins 12Dubuque I have the opportunity to be involved in

multiple activities, such as dance

team, psychology club and service projects. Now thats Be Orange value at Wartburg

College.

Be Orange

Small class sizes Outstanding job/graduate school placement A close community

Graduate in four years Great financial aid and scholarships

Abhay Nadipuram 10Waterloo I went to Guyana to start a bed-and-hammock-net project to prevent malaria. Now thats Be Orange value at Wartburg College.

www.wartburg.edu.

Providing Third Party Integrated Logistics, Public WarehousingJIT Services, Trucking,and Reclaim Service

324 Duryea Street Waterloo, IA 50701Phone: 319-236-0467 Fax: 319-274-8308

www.wwscusa.com

The Value of a Wartburg Education

Michelle Fiene 11 Waverly I had a summer internship in Denver, Colorado, and got valuable work experience. Now thats Be Orange value at Wartburg College.

Eboni Coats 11Collins, Mississippi Participating in service trips at Wartburg has helped

strengthen my duty to civic engagement. Now thats

Be Orange value at Wartburg College.

Chondraah Holmes 11Waterloo

Being a resident assistant at Wartburg College taught me the

importance of strong and caring

communities. Now thats Be Orange value at Wartburg College.

Rachel Pins 12Dubuque I have the opportunity to be involved in

multiple activities, such as dance

team, psychology club and service projects. Now thats Be Orange value at Wartburg

College.

Be Orange

Small class sizes Outstanding job/graduate school placement A close community

Graduate in four years Great financial aid and scholarships

Abhay Nadipuram 10Waterloo I went to Guyana to start a bed-and-hammock-net project to prevent malaria. Now thats Be Orange value at Wartburg College.

www.wartburg.edu.

Providing Third Party Integrated Logistics, Public WarehousingJIT Services, Trucking,and Reclaim Service

324 Duryea Street Waterloo, IA 50701Phone: 319-236-0467 Fax: 319-274-8308

www.wwscusa.com

cvbusinessmonthly.com

green manufacturing and energy-dependent business. Halbur expects much more to come in the future and not just from GM.

I expect other auto manufac-turers to come up with some-thing like that, too, he said. Theyll have their own version at some point.

Halbur said his dealership already is fielding plenty of ques-tions about the Volt.

Most are about the time of arrival, he said. We tell every-body the same thing, that the launch is Nov.10.

But, the questions keep com-ing, he said.

This car has piqued customer curiosity more than any other vehicle that I can recall in recent years besides, of course, the Camaro, he said.

He pointed out that GMs www.chevy.com and chevroletvoltage.com Web sites provide plenty of information about the car.

Sticker shock doesnt seem to figure into concerns about the plug-in hybrid, Halbur added.

We havent seen an actual price on the vehicle. The only

thing weve heard is the tax incentives.

He said buyers would qualify for a $7,500 tax credit.

I dont see the price being a huge barrier for the sale of this automobile because of the tech-nology and true cost of owner-ship savings it will provide, he said.

GM is expected to announce an actual retail price for the Volt sometime in the third quarter, Halbur said.

Halbur said his dealership plans to sell a lot of Volts.

Dealers will have to educate would-be customers about the advantages of the Volts tech-nology, Halbur noted. But the challenge will be no more dif-ficult than selling other types of vehicles.

It will be like most other vehicles we have available for sale, he said. Many people cant justify spending $45,000 or $ 50,000 on a Suburban until they get demonstration of how it will benefit their wants and needs, (and) this car will be no different in that respect. There will be features on this car that cannot be found on any other vehicle on the market and, for that, the education will be pro-vided in detail.

VOLTFrom page 3

fEbRUaRy 2010


According to the U.S. Envi-ronmental Protection Agency,

g e o t h e r m a l systems are, the most e n e r g y - e f f i -cient, environ-mentally clean, and cost-effective space c o n d i t i o n i n g systems avail-able today. Extreme effi-ciency is pos-sible because a geothermal heat pump only

uses electricity to move heat, not produce it.

A geothermal unit typi-cally supplies four to five kilo-watts of heat for every kilowatt

of electricity used. Three to four of these kilowatts of heat come directly from the earth, and are clean, free and renew-able. The other kilowatt is used to power the compressor, fan and controls. Geothermal heat pumps also take advantage of the mild ground temperature for extremely high efficiency cool-ing. Most systems include a hot-water generator, which delivers a portion of the heat to the water heater. This provides a substan-tial portion of a familys hot water needs at a very low cost.

Overall, geothermal technol-ogy offers the highest cooling and heating efficiency of any system available.

Geothermal systems trans-fer heat from your home to the earth in the cooling mode, or

from the earth to your home in the heating mode. Water/anti-freeze is used as the heat trans-fer medium through a closed loop plastic piping system bur-ied in the ground.

By using this stable thermal source, geothermal heat pumps provide comfort year round without a noisy outdoor fan or a flue. The loop is important; if it is not sized properly you could see higher heating bills than you should or possible freezing in the loop field.

The environmental advantag-es of geothermal systems have caught the eye of governmen-tal agencies such as the EPA and the Department of Energy. Because geothermal technology has the lowest CO2 emissions, it provides a solution to global

warming by primarily using the natural energy of the earth. Zero ozone depletion refriger-ant is also available for an even friendlier system.

Geothermal is being used in homes and businesses more and

more. Local utilities offer some great rebates; there are also res-idential tax credits available for 30 percent of the cost. with no cap on the cost. Tax credits for residential furnace and air con-ditioners have a $1,500 cap.

fEbRUaRy 2010cvbusinessmonthly.com

Geothermal a green way to heat homes

Tim Hanson is salesman with

Young Plumbing & Heating in Waterloo. Contact him at (319)

234-4411.


AthleticsBusinessCareer ServicesCommunicationCreativityCultural StudiesEducationEnvironmentEthicsFamily

Health and Well-Being

HistoryHuman RightsInternational

RelationsLiteratureMath and ScienceMotivationPerforming Arts

PoliticsProfessional

DevelopmentPsychologyReligionTechnologyTrainingUNI Services

The University of Northern Iowa has many talented faculty, staff and students who are willing to

share their expertise. UNIs Speakers Bureauis a great resource for community organizations,

businesses and industries looking for speakers at

meetings, summits, conferences and more. More than

200 topics can be found in the categories listed below. If

you dont see what youre looking for, let us know, were

happy to assist. To request a speaker, contact the Office of

University Marketing & Public Relations at 319-273-6728,

or complete the online request form at

www.uni.edu/speakers.

Featured speakers include:Nadene Davidson, assistant professor and interim department head, teachingEducation in the 21st Century

Adam Butler, professor, psychologyMotivation and Living a Balanced Life

David Surdam, assistant professor, economicsTen Things You Need to Know About the Economy

Jeff Weld, associate professor of biology and director of the Iowa Mathematics and Science Education Partnership

Math and Science Education in Iowa: Earning our Quarter

Reg Pecen, associate professor, industrial technologySolar Power and Impact to our Efforts for National Energy

Independence

Other Categories

www.uni.edu/speakers

Davidson

Butler

Surdam

Weld

Pecen

AthleticsBusinessCareer ServicesCommunicationCreativityCultural StudiesEducationEnvironmentEthicsFamily

Health and Well-Being

HistoryHuman RightsInternational

RelationsLiteratureMath and ScienceMotivationPerforming Arts

PoliticsProfessional

DevelopmentPsychologyReligionTechnologyTrainingUNI Services

The University of Northern Iowa has many talented faculty, staff and students who are willing to

share their expertise. UNIs Speakers Bureauis a great resource for community organizations,

businesses and industries looking for speakers at

meetings, summits, conferences and more. More than

200 topics can be found in the categories listed below. If

you dont see what youre looking for, let us know, were

happy to assist. To request a speaker, contact the Office of

University Marketing & Public Relations at 319-273-6728,

or complete the online request form at

www.uni.edu/speakers.

Featured speakers include:Nadene Davidson, assistant professor and interim department head, teachingEducation in the 21st Century

Adam Butler, professor, psychologyMotivation and Living a Balanced Life

David Surdam, assistant professor, economicsTen Things You Need to Know About the Economy

Jeff Weld, associate professor of biology and director of the Iowa Mathematics and Science Education Partnership

Math and Science Education in Iowa: Earning our Quarter

Reg Pecen, associate professor, industrial technologySolar Power and Impact to our Efforts for National Energy

Independence

Other Categories

www.uni.edu/speakers

Davidson

Butler

Surdam

Weld

Pecen

cvbusinessmonthly.comFEBRUARY 2010

Energy-saving windows offered in many options

Whats an energy efficient window? Most will have at a minimum:

D o u b l e -pane insulated glass.

Heat-res is-tant (low-E) glass coating.

A i r t i g h t frames.

Energy Star rating.

Three dimen-sions of energy-efficient win-

dows are glass, spacer and frame.Glass Low-E glass con-

tributes to energy efficiency by deflecting heat to its source.

Spacer Insulating spac-ers between the panes of glass reduce heat transfer and condensation.

Frame The fixed window frame holds the sash or case-ment and hardware. A properly designed frame helps minimize thermal transfer through the window.

Dual-pane glass designs use an air- or gas-filled space between two panes of glass. This insu-lates much better than a single pane. Special low-E coating on the glass blocks infrared light to keep heat inside in the window and outside in the summer. It also filters damaging ultraviolet light to help protect interior fur-nishings from fading.

A spacer keeps a windows dual glass panes the correct distance

apart for optimal airflow between panes. Too much or too little air-flow can affect the insulating efficiency. The design and mate-rial of the spacer can make a big difference in the ability to handle expansion and contraction and thus reduce condensation.

Frame material is an important consideration. Two of the more energy efficient frame materials are vinyl and fiberglass. They do a particularly good job of reducing heat transfer and contributing to insulation value. Your decision on which to use may be based on aesthetics and cost. Look for vinyl or fiberglass frames that have been specifically engineered for performance. For instance, both can be designed with chambers within the frame that enhance strength, noise reduc-tion and insulation value.

Energy Star is a joint program of the U.S. Environmental Pro-tection Agency and the U.S. Department of Energy. Its mis-sion is to help us save money and protect the environment through energy-efficient products and practices. There are strict guide-lines for Energy Star qualified products. In 2007 alone, Energy Star helped Americans save more than $16 billion on utility bills. Many states and other govern-mental bodies, utilities and orga-nizations offer rebates, tax credits and other special offers when you buy Energy Star qualified prod-ucts. For more information on Energy Star qualified products, visit www.energystar.gov.

Carol J. Crandall

is with Crandall Inc. in Waterloo. Contact her

at (319) 236-3336.

DES MOINES The Iowa Finance Authority recently awarded 14 entities a total of more than $2.6 million in no-interest planning and design water infrastructure loans.

Among municipalities in Northeast Iowa to receive funds were Beaman, $28,000 for drink-ing water; Hampton, $376,000,

wastewater; and Hudson, $234,500, drinking water.

The loans will assist the com-munities with planning expens-es including engineering fees, archaeological surveys, envi-ronmental or geological stud-ies and costs related to drink-ing and waste water project plan preparation.

Cities receive water-quality loans

THE COURIERPAGE 10 cedar valley business monthly cvbusinessmonthly.com fEbRUaRy 2010

Choose the right renewable energy systemIt has been a year since I wrote

about the advances in solar and wind systems that can power your homes and business-es. Now lets look at how to buy the sys-tem thats right for you. You already know what your site has the most of: sunshine, wind or both. There is a system that will best fit your needs

First you need to know a few things about your energy consumption and util-ity supplier. Ask for your annual electrical (KWH) consumption or take 12 months of bills and add

up the KWH units used. Find out from your bill what your cost per KWH is and any other charges they might have. Also gather your annual natural gas charges. Next, if you are looking at pro-ducing electricity, ask them for a copy of their grid connection policy. Most have them, and some have incentives and rebates for these systems. This informa-tion will help determine the size and type of system that fits your needs and forecast the return on your investment. You may need to have your site evaluated.

Where you live and work may have a bearing on whether you can get the system you prefer installed per zoning regulations and neighborhood covenants and such. The cities of the Cedar Valley are all forming new zon-ing regulations to allow solar and, more importantly, wind

turbines to be installed within their respective city limits.

Outside of city limits we need to consult with county officials. Potential roadblocks for wind turbines include tower heights, noise and a few other issues. The requirements for solar systems will be much less restrictive, as they usually blend well with their surroundings and make no noise.

Businesses will need to look at roof loading and attachment issues, but new thin film tech-nologies are eliminating those worries. There is a solution for every site. A check with your insurance carrier will let you know if any additional coverage is needed.

Various financial tax credits and grant opportunities might help you get a better return on your investment. There are also low- to zero-interest loans

available. We stay up to date on federal and state incentives and tax codes to make sure you have every advantage. At a time when the states budget is strained, cuts to some of these incentives are possible, so keep an eye on the Statehouse.

These systems, while being simple in design, become some-what complex when installation is started. There are a lot of com-ponents that make up a solar or wind energy system. While some take on the installation by themselves, others will want a trained professional.

We at Natural Solutions have been factory trained in the design and installation of everything we sell. By keeping up on product development we can offer the best solutions out there. While designing systems, we take care to combine compo-

nents that work well together to assure you the results we project are attainable. We offer service programs also to take the worry out of maintenance.

As we turn this corner into a new decade we will see a lot of changes concerning how we live. Hundreds of years of dependence on fossil fuels for the generation of power will give way to cleaner technologies including solar and wind. We will be driving hybrid and all-electric cars in much greater numbers than was ever imagined in the last ten years.

Farmers will employ new ways to dry beans and corn, and live-stock producers will capture methane produced by their herds and use it to power their farms. All of this will contribute to a healthier planet, longer life expectancies and a better qual-ity of life.

Mike Miller is owner Natural Solutions LLC in

Cedar Falls. Contact him at (319) 277-7842 or [email protected].

THE COURIER PAGE 11cedar valley business monthly

IF YOU WANTMORE

WATERLOO CENTER 319-232-6980 3563 UNIVERSITY AVE.www.uiu.edu/waterloo

YOU ARE UIU

IF YOU WANTMORE

WATERLOO CENTER 319-232-6980 3563 UNIVERSITY AVE.www.uiu.edu/waterloo

YOU ARE UIU

cvbusinessmonthly.comfEbRUaRy 2010

You can beat inflammation

Pain and inflammation go together like peanut butter and

jelly. We often experience pain because of our nervous sys-tem, but theres also a chemical part to pain.

The body pro-duces chemi-cals that create inf lammation in a response to injury. Inflam-mation in turn irritates the

nerves and causes us to feel pain. Most of us think when we have pain we just go take some pain medication or anti-inflamma-tory drugs. Pain medications do not correct anything, they only mask the problem. They may help you to tolerate pain, but in the long run they make matters worse by destroying cartilage. Some pain medications may slow down bone healing.

Many of us may not be aware of it, but what we eat can affect how much pain and inflammation we feel. Eating a variety of healthy foods may help limit your pain. Avoiding refined grains, white sugar and white flour may ease pain. Insulin is very pro-inflam-matory, and all those goodies such as cookies, candy and pop will cause more pain.

Adequate water intake may help in two ways to relieve pain. It enables you to eliminate waste easier and your body may more efficiently dilute chemicals that cause inflammation.

Drink water. Coffee, tea, juic-es and soda pop do not count. Adequate hydration is neces-sary to keep ligaments and discs healthy. Inadequate hydration makes you more prone to injury.

Choose fats and oils carefully which are known as essential

fatty acids. Some of them pro-duce substances called prosta-glandins. Some prostaglandins cause inflammation and others suppress it. Completely avoid hydrogenated and partially hydrogenated oils, also known as transfats. Animal fats are pro-inflammatory. Choose lean cuts of meats, skinless chick-en or turkey. Fish is an excel-lent choice because it contains omega-3 fatty acid, which is quite anti-inflammatory.

Bright colors in fruits and vegetables are from bioflavo-noids, which are antioxidants. When we eat them, they pro-tect our cells. Research demon-strates that antioxidants may reduce pain and inflammation. Raw foods contain enzymes which assists our bodies to clear up inflammation. There are also enzyme supplements available that directly reduce inflammation.

I would also like to introduce you to a number of anti-inflam-matory remedies. Green tea, pomegranates, unsweetened black cherries or tart cherries have been recommended in bat-tling inflammation. Fish oil is high in anti-inflammatory prop-erties. Bromelain along with other enzymes and antioxidants may be useful as an anti-inflam-matory formula. Ginger, tumer-ic, boswellia, nettle, devils claw, white willow, and yucca are just a few herbs often seen in anit-inflammatory supplements.

Getting rid of pain and inflam-mation is not just taking a pain pill. Remember when some of the more common pain medica-tions were taken off the market? Dont fight pain with something that may just cause more side effects. Try eating healthier foods and going natural with herbs and supplements to pre-vent complications.

Marilyn Bartels is owner of TnK

Health Food Store in Waterloo. Contact her at (319) 235 0246.

THE COURIERPAGE 12 cedar valley business monthly

Architects & BuildersLEED Accredited

Geo-Thermal & Green Buildings

Turnkey Associates is a single source provider specializing in designing,

building, and furnishing all types of commercial, retail and medical office

buildings and complexes.

We provide Architecture, Construction, Furniture & Furnishings, Interior Design, Signage, and

Security services all under one contract.

216 E. 4th St. Waterloo, IA, 50703877-226-5852

www.tkaweb.comQuality People. Quality Products. Quality Results.

(319) 234-4411 www.youngphc.com

Quality People. Quality Products. Quality Results.

Architects & BuildersLEED Accredited

Geo-Thermal & Green Buildings

Turnkey Associates is a single source provider specializing in designing,

building, and furnishing all types of commercial, retail and medical office

buildings and complexes.

We provide Architecture, Construction, Furniture & Furnishings, Interior Design, Signage, and

Security services all under one contract.

216 E. 4th St. Waterloo, IA, 50703877-226-5852

www.tkaweb.comQuality People. Quality Products. Quality Results.

(319) 234-4411 www.youngphc.com

Quality People. Quality Products. Quality Results.

By JASON KITNER

Community Body Shop has taken a proactive stand in pro-tecting the environment by going green with its paint finishing system. The colli-sion center recently switched to a low-VOC PPG waterborne basecoat from a convention-al solvent-based system. Our use of waterborne basecoat for refinishing vehicles significantly reduces the emission of vola-tile organic compounds (VOCs) into the atmosphere. This helps us do our part to improve the quality of our air and contrib-ute to an overall healthier work environment.

VOCs are chemical com-pounds commonly used in paint coatings and cleaning products. When released into the atmo-sphere they help create ozone and smog. When compared to a conventional solventborne basecoat, Nexa Autocolor Aqua-base Plus can reduce basecoat sourced VOC emissions by up to 80 percent. By changing to waterborne paint, we reduce

volatile organic compounds in the air by 600 pounds per year for every two gallons of mixed paint, equivalent to taking 200 cars off the road.

Waterborne basecoat is the latest coatings technology that is typically used by manufac-tures to create the original color on todays vehicles. Accord-ing to PPG, the introduction of its waterborne color toners for use in collision centers provides the enhanced ability to match a vehicles original finish. This is a major technological advance-ment with no downside. Not only is the paint better ecologi-cally, it gives better color match-es and it is faster to complete a repair when compared to the older solvent based systems.

Community Body Shop is also going green in other phases of production. These include recycling plastic bumper covers, automotive lights, cardboard and fluorescent light bulbs.

Jason Kitner is with Community Body Shop in Waterloo. Contact him at (319) 234-8884 or email [email protected].

cvbusinessmonthly.com fEbRUaRy 2010

Community Body Shop goes green with waterborne paint


Energy conservation and sus-tainability were on the radar at the University of Northern Iowa as early as 1915 when UNI

offered one of the nations first collegiate-level courses in conser vation. Now UNI offers more than 180 sustainability-related courses; leads outreach programs in K-12 classrooms across the state; researches new and refines old methods for energy con-servation; pro-vides speakers and education for community

and business leaders; and works to establish efficient and energy-saving measure across campus.

Even in difficult economic times, UNI cannot neglect its responsibility to making last-ing positive changes for the lon-gevity of the institution and for future generations. This need for lasting change is why education is a key component to energy conservation.

UNI classes in conservation and sustainability cross disci-plines and generations. Although most courses are geared toward traditional UNI students, some such as a wind energy course in fall 2009 and a spring 2010 course in solar energy are open to the larger community through

continuing education. Lifelong University, a program that offers noncredit courses for the lifelong learner, has had courses designed around energy conservation and provided practical tips for in-home energy savings. Speakers and presentations on campus about energy conservation are often open to all ages.

UNI programs such as the Cen-ter for Energy & Environmental Education, Iowa Waste Reduc-tion Center and Recycle and Reuse Technology Transfer Cen-ter have taught K-12 students and business owners the impor-tance of reducing waste, recy-cling and using renewable sourc-es of energy and provided tips on how to incorporate them into life and work. During the last fiscal year, CEEE education programs reached approximately 9,800 K-12 students and more than 1,100 K-12 teachers; 47 companies and organizations received assistance from RRTTC projects and ser-vices; and the IWRC provided technical assistance and onsite reviews to 253 small businesses.

Research within the physics, chemistry and industrial tech-nology departments and at the Tallgrass Prairie Center and National Ag-Based Lubricants Center is moving energy con-servation forward by improving hydrogen-storage and solar cell capabilities, exploring biomass-energy production and using biolubricants to reduce the use of fossil fuels. UNI undergraduate students participate in many of these research projects.

The UNI Speakers Bureau

features several well-regarded experts in energy conservation and sustainability fields. These UNI faculty and staff mem-bers are available to community organizations, businesses and industries that want speakers for meetings, summits, conferences and more. Many of these presen-tations are made free of charge.

In addition to outreach and education, UNI pushes internally to practice energy conservation. The UNI power plant is 70 to 80 percent more efficient than typi-cal power plants, and produces 40 percent of the universitys energy. Power plant staff and Cedar Falls Utilities continue to explore alternative energy sourc-es. UNI also continues to explore ways to decrease non-renewable energy consumption by moni-toring energy costs compared to

wind energy, replacing incan-descent lights with LED lights, working Leadership in Energy and Environmental Design stan-dards into new and existing buildings, making electric hybrid vehicles available in the motor pool and purchasing produce and products from local vendors when available.

In 2009, UNI Dining Services spent more than $700,000 on produce and products from Iowa vendors, growers and farmers.

Over the past decade, about 40 acres that were once mowed are now natural vegetation, requir-ing little maintenance and pro-viding a learning opportunity for UNI students.

UNI and the city of Cedar Falls established a joint recycling-reuse center on campus, which continues to collect increas-

ing amounts of material for recycling.

This year UNI will install pho-tovoltaic panels on the new Mul-timodal Transportation Center to harness the suns energy and make the building a net-zero-energy facility, meaning it will produce its own power needs.

Increased energy savings and sustainability efforts have become a major priority for local, state and federal governments. UNI will continue to promote sustainability through reducing carbon emissions, conserving energy, engaging and educat-ing the university community to establish responsible lifelong behaviors and promoting the general public interest. Working as an institution, UNI is helping to build and promote a secure future for Iowa and its citizens.


UNI explores conservation on and off campus

Tom Schellhardt

is the University of Northern Iowas

vice president for administration and financial services

and the Sustainability Council chairman.

Contact him at (319) 273-2382.


If you feel your portfolio hasnt made much progress over the last

10 years, youre not alone. His-torians may well look upon this period as a lost decade for investors.

It is difficult to remember that the economic e n v i r o n m e n t was completely different at the outset of this decade. As the 1990s came to a close and the world prepared

to celebrate the start of a new millennium, economic optimism was peaking and the stock mar-ket was wrapping up two con-secutive decades of superior performance.

What a difference a decade makes. From 2000 through 2008 (a nine-year period), the stock market generated an average annual return of -3.60 percent based on the Standard & Poors 500 stock index, an unman-aged index of stocks. Thanks to a recovery in 2009, the aver-age annual return for the entire decade will be slightly better, but still most likely in negative territory.

This came on the heels of what was probably the greatest bull market in the history of stocks. The S&P 500 index returned 17.6 percent on an average annual basis from 1980 through 1989, and 18.2 percent for the ten-year period that ended in 1999. This far surpassed the historic annual return for stocks, in the 9 to 10 percent range.

Though it mightve been pain-ful to endure if you were actively invested in the market in recent years, there is another way to look at it: You have survived one of the worst decades of stock market performance ever recorded.

Looking back at the history of the market, the only other decade in which stocks performed so

poorly was the 1930s, the era of the Great Depression. In all other decades leading up to the 2000s, the broad market (as measured by the S&P 500 or comparable yardsticks) generated positive returns.

Watch for the tide to turnThe stock market reached its

low point in the current cycle in early March. Still, the major measures of stock market per-formance including the Dow Jones industrial average, the S&P 500 and the Nasdaq composite index are all still well below the peaks they reached in 2007.

Will the market malaise con-tinue? Factors such as econom-ic trends will have a lot to do with where stocks go from here. History may provide a glimmer of hope. The market, as mea-sured by the broad S&P index, has never suffered two consec-utive decades of poor perfor-mance. The negative markets of the 1930s were followed by the 1940s, which generated an aver-age annual return of 9.17 percent (a period that included World War II).

The next weakest decade (until now) was the 1970s, an era of oil price shocks, the Watergate scandal and high inflation and interest rates. The S&P 500 returned just 5.9 percent on an annualized basis for that 10-year period. At the end of the 1970s, one business magazine suggested that equities might never again be considered an attractive investment.

Then came the booming 1980s and 1990s, a 20-year period where the market averaged a return of slightly less than 18 percent per year. The markets past performance is not an indi-cation of what you might be able to expect in the years to come, but there is some encourage-ment in the historical record. For stocks to match what has been the historical normal return, some catching up may need to occur in the years to come.

It is important to keep in mind

that on a year-to-year basis, stock market performance remains fairly unpredictable. If you are able to maintain a long-term investment perspective, it is more likely that you can ride out the down periods in the stock market in order to benefit from the long-term potential equities can provide.

As you assess the performance of your own portfolio you need to assess what mix of stocks (com-pared to other types of assets such as bonds, real estate and cash-equivalent investments) is most appropriate for you. This is an individual decision, based on your own investment time horizon and risk tolerance.

This column is for information-al purposes only. The informa-tion may not be suitable for every

situation and should not be relied on without the advice of your tax, legal and/or financial advisors. Neither Ameriprise Financial nor its financial advisers provide tax or legal advice. Consult with qualified tax and legal advisors about your tax and legal situa-tion. This column was prepared by Ameriprise Financial.

The Dow Jones industrial aver-age is a popular indicator of the stock market based on the average closing prices of 30 active U.S. stocks representative of the over-all economy.

The Nasdaq composite index is a market-value weighted index of all common stocks listed on Nas-daq used mainly to track technol-ogy stocks. Unlike the Dow Jones industrial average, the Nasdaq is market value-weighted, so it

takes into account the total mar-ket capitalization of the compa-nies it tracks and not just their share prices.

The Standard & Poors 500 index (S&P 500 Index), an unmanaged index of common stocks, is fre-quently used as a general measure of market performance. The index reflects reinvestment of all dis-tributions and changes in mar-ket prices, but excludes brokerage commissions or other fees.

It is not possible to invest direct-ly in an index.

Brokerage, investment and financial advisory services are made available through Ameri-prise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.


Investors look forward to a new decade

Larry K. Fox is senior financial

advisor with Ameriprise Financial

Inc., Waterloo. Contact him at (319)

234-7000.

THE COURIER PAGE 15FRIday, JanUaRy 29, 2010 www.wcfcourier.com cedar valley business monthly

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Americans spend billions of dollars each year on design-

er clothing, sporting goods, e l e c t r o n i c s , games and other luxury items. Howev-er, with Ameri-cans tighten-ing their belts and conserving on everything from natural resources to personal luxu-ries, it is time to rethink the way we shop.

Going green is not just a growing industry, it is becoming a lifestyle. Professionals, students and workers at all ends of the spectrum are interested in sav-ing the planet and saving money. Recycling has new momentum in both the private sector and the government. Businesses based on these principles are booming. The demand for recycled goods is increasing, and businesses focused on recycling and reus-ing are seeing an increase in new customers.

The resale industry is focused on recycling and reusing and is on the rise. Generating $200 billion in revenue annually, the consign-ment industry has seen 5 percent annual growth over the past few years. Consignment is seen as one of the few recession-proof areas of retailing, not just sur-viving but thriving during eco-nomic slowdowns. Adele Meyer,

executive director of the National Association of Resale and Thrift Stores, states, Recessions pres-ent the opportunity for resale shops to attract new customers. She said NARTS members have reported significant increases in sales and incoming inventory as consumers tighten spending and search for sources of extra income. Recent surveys revealed 80 percent of stores experienced an increase in new customers with a nearly 30 percent sales increase over last year.

With gas prices at record highs, food costs increasing, and hous-ing expenses rising, it is no won-der consumers are feeling cash- and credit-constrained, she said. As they run out of purchasing power they cut back on discre-tionary spending and change the way they shop. But dont be mis-taken, people will shop.

Many factors contribute to the popularity of resale. Increased awareness of recycling, the quest for higher quality for less money, the lure of finding something dis-tinctive and the thrill of the hunt are just a few things that lure the savvy shopper. One of the fore-most reasons resale thrives in a slow economy is simple: People love a bargain.

Todays resale stores look the same as mainstream retailers with one difference; They sell slightly used, high quality goods at lower prices. Consignment stores come in all shapes and sizes. They can be franchises with a focused inventory (i.e. clothing, sporting goods, household). They can be

locally owned small stores spe-cializing in a specific inventory, or large stores offering a department style store. They are different than thrift stores, which receive donated merchandise, selling it at very low prices and using revenue to support specific organizations. Thrift stores will take almost any donations. Consignment stores have the dual objective of provid-ing quality merchandise at low prices and of generating a profit for their consignors and them-selves. This causes them to be selective in choosing merchan-dise. They want items that appeal to customers.

Consignment stores have a structured process. Products are brought in by consignors. Some stores limit the amount and type of items consigned and times consignment is accepted. Items are assigned prices in each con-signors account. Stores display items in a manner similar to reg-ular retail stores. Consignment stores offer discounts and mark-downs similar to retail stores to help move dated merchandise, to make room for newly accepted items and to move items at the change of seasons. As consign-ors items sell, the consignment account accumulates money until the consignor chooses to receive a payout in cash or use accumulated funds to purchase items in the store. At the end of the consignment period some stores give unsold items back to consignors or offer the option for unsold items to be donated to charity and thrift organizations.

More sellers are enticed by the idea of getting cash for unwant-ed items, and consigning is less time-consuming and as profit-able as selling online or through ads. Further, consignment helps reduce waste, energy use and greenhouse gas emissions. With this increasing awareness

of the importance of reducing waste, we are progressing from a disposable society to a recy-cling society, a change that has enormous potential for the resale industry. If you havent visited a consignment store lately, drop by one and see if you might find a diamond in the rough.


Resale industry plays big role in conservation

Mary Sundblad is owner/president of Stuff Etc Franchise LLC in Coralville.

Contact her at (319) 545-8488.

The associated Press

Americans cannot account for an average of $21 per week in cash spending, according to a recent telephone survey commissioned by Visa Inc.

That adds up to more than $1,000 per year.

The poll of more than 1,000 adults in the U.S. found that

mystery purchases happened most often while buying food and other groceries, while almost a third said they cant account for money spent enjoying a night on the town. About a quarter of respondents said dining out leads to unexplained expenditures.

Meanwhile, consumers world-wide are unable to account for 20 percent of their cash spending

each week, according to inter-views with more than 12,000 adults around the globe.

The survey also found that younger U.S. adults between the ages of 18 to 24 claim to lose track of $2,500 annually, more than twice the average amount.

The poll has a margin of sam-pling error of plus or minus 4 percentage points.

Small purchases add up, survey finds


With electricity costs rising throughout the United States, homeowners and commercial

facility manag-ers are wise to adopt an energy m a n a g e m e n t program that can result in significant sav-ings and reduce greenhouse gas emissions.

E l e c t r i c i t y costs are rising by as much as 30 percent in some parts of the nation. Power produc-ers are paying higher prices for coal and natural gas and spending more building plants

or upgrading and maintaining existing ones. These costs are passed on to consumers.

Local electricity providers and qualified electrical contractors can assist homeowners and busi-nesses with a customized energy management program based on energy consumption, facility design and use and budget.

Here are five common ways to reduce energy costs:

1. Become an Energy Star advo-cate Energy Star is a joint pro-gram of the U.S. Environmental Protection Agency and the U.S. Department of Energy that saves money and protects the environ-ment through efficient energy use. Through Energy Star, Amer-icans saved $19 billion on util-ity bills in 2008 enough to avoid greenhouse gas emissions equivalent to those from 29 mil-lion cars.

Energy efficient choices can save families about a third on their energy bill with similar savings of greenhouse gas emissions.

Look for appliances and prod-ucts with the Energy Star rating.

Look for new homes that have earned the Energy Star rating for efficient building practices.

Contact the EPA for resources to plan and undertake remodel-ing projects to reduce energy bills and improve comfort.

Energy Star for businessesBusinesses, educational insti-

tutions and government entities can also save money and support the environment.

Energy Star partners can adopt a strategy that measures energy performance, sets goals, tracks savings and rewards improve-ments. Energy Star partners include manufacturers and retailers of Energy Star products; state, utility and regional energy efficiency programs; residential construction industry; commer-cial, industrial and government organizations; commercial and industrial service and product providers; architects and design firms; and small businesses.

The EPA also provides an ener-gy performance rating system that has been adopted for more than 96,000 buildings across the country. The EPA recognizes top performing buildings with the Energy Star.

2. Upgrade lighting fixtures and change to energy efficient bulbs. According to Consortium for Energy Efficiency lighting accounts for about 40 percent of electricity costs in most com-mercial spaces.

Look for energy efficient fix-tures and switch from incan-descent lighting to fluorescent

wherever possible. A compact fluorescent light bulb will save about $30 over its lifetime and pay for itself in about 6 months. It uses 75 percent less energy and lasts about 10 times longer than an incandescent bulb. Visit www.energystar.gov for a buyers guide and more information.

3. Install room occupancy sen-sors Indoor lighting controls detect activity and turn lights on automatically when some-one enters a room. They reduce energy use by turning lights off after the last occupant has gone. Ultrasonic sensors detect sound, and infrared sensors detect heat and motion.

4. Modify use of cooling and heating systems Cooling and heating systems boost utility costs. Digital thermometers bet-ter regulate and set temperature controls based on time of day, occupancy and indoor and out-door weather conditions.

Humidity also is a factor in energy consumption. Installing a hygrometer ($10 to $50) can save energy, increase comfort and make the indoor environ-ment healthier. High humidity in the winter can make 68 degrees feel more like 76 degrees and cause condensation on windows. The relative humidity in winter should be between 20 percent and 35 percent. As the outside temperature falls, lower the per-centage to prevent condensation. In the summer, control humidity with air conditioners and dehu-midifiers. Keep doors and win-dows closed.

5. Install solar systems or other solar-powered products Costs to install ground- or roof-mounted solar systems have been falling dramatically, mak-ing solar power more affordable

as electricity costs and environ-mental concerns increase. Many utility providers offer rebates, and the federal government is offering a 30 percent tax incen-tives to encourage home own-ers and businesses to invest in solar power. Most solar systems come with a 20-year warranty, and buyers can typically achieve

a return on investment in five to 11 years depending on consump-tion and costs.

Low cost, easy-to-install solar-powered products are also avail-able at local lighting and home improvement stores.

Visit the Solar Energy Industries Association Web site at www.seia.org for more information.

A personal, more meaningfulapproach to financial planning.

Whether youre a small business owner, evaluating your estate plan, or sending your kids to college, We canhelp you plan to reach your financial goals through

personal, customized financial planning.

Call (319) 234-7000 and ask for Larry today!

Larry K. Fox & AssociatesA financial advisory practice of Ameriprise Financial Services, Inc.

3404 Midway Drive Waterloo, IA 50701Phone: 319-234-7000 Toll Free: 888-300-7844

larrykfox.com

Ameriprise Financial cannot guarantee future financial results. Ameriprise Financial Services, Inc., Member FINRA and SIPC.


Energy management considerations for businesses, homeowners

John Greiner is a project manager

with Integrated Electrical Services (www.ies-co.com).

He joined IES in 2001. IES is a

leading national provider of electrical and communications contracting solutions for the commercial,

industrial and residential markets.

The Cedar Valley business Monthly welcomes regular contributions from individuals across the areas business community.

Here are some simple suggestions on topics to address:

1. What expertise can you offer from your particular business perspective?

2. Do you have any consumer tips pulled from your own expertise?

3. appeal to a broad audience. Dont just pitch a product.

4. Dont be afraid to take on an impor-tant business issue, adding your 2 cents from your unique business perspective.

5. How, business, tax and other issues affect businesses like yours?

6. Dont put down a rivals product.7. There are no guarantees for pub-

lishing.

8. Copy should be around 800 words (were flexible) and e-mailed.

9. Please observe copy deadlines. They are a necessary evil.

Please submit all articles, and dont forget to attach the authors mug shot and contact information, to Courier business Editor Jim Offner, at [email protected] and send a copy to [email protected].

The Cedar Valley Business Monthly seeks contributors

www.GrEAtErcEdArvAllEychAmbEr.com FEbrUAry 2010

Welcome New Chamber Members

Care Initiatives Hospice6915 Chancellor Dr., Ste. ACedar Falls, IA 50613Phone: 319-232-6148Fax: 319-232-6823Website: www.careinitiatives.orgContact: Shannon RoderCategory: Hospice

Dynamic Impressions411 Viking Rd., Ste. CCedar Falls, IA 50613Phone: 319-277-1925Fax: 319-277-7019Website: www.dynamicimp.comContact: Steven PetersCategory: Printers/Publishers/Graphics

Heal The Family Inc.215 E. 4th St.Waterloo, IA 50703Phone: 319-236-7290Fax: 319-235-4364Website: www.healthefamilyinc.orgContact: Michael RobinsonCategory: Counseling Services

The Iowa Financial Group - MetLife527 Olympic Dr,Waterloo, IA 50701Phone: 319-230-2182Contact: Bob MooreCategory: Financial Planning/Services

Iowa Telecom1440 Blairs Ferry Rd. H-6Hiawatha, IA 52233Phone: 319-330-0886Website: www.iowatelecom.comContact: John LindsayCategory: Utilities

Papa Murphys Pizza5925 University Ave., Ste. 3Cedar Falls, IA 50613Phone: 319-268-4007Website: www.papamurphys.comContact: Luke BartlettCategory: Restaurants/Bars/CaterersPapa Murphys Pizza3005 Kimball Ave.Waterloo, IA 50702Phone: 319-236-1234Fax: 319-266-5573Website: www.papamurphys.comContact: Luke BartlettCategory: Restaurants/Bars/Caterers

Peoples Savings Bank223 W. Dike Rd.PO Box 577Dike, IA 50624Phone: 319-989-9062Fax: 319-989-9072Website: www.bankpsb.comContact: Angie ThesingCategory: Banks & Credit Unions

St. John Lutheran Church715 N. College St.Cedar Falls, IA 50613Phone: 319-268-0165Fax: 319-266-3207Website: www.stjohncf.orgContact: Pastor Dave KebschullCategory: Churches

Target Food Distribution Center2115 Technology Pkwy.Cedar Falls, IA 50613Phone: 319-553-3201Contact: Carson LandsgardCategory: Distribution Centers

Ribbon Cuttings

Allen Ambulatory Surgery CenterUnited Medical Park, Ridgeway Ave., Waterloo

BioLife Plasma Services802 Brandilynn Blvd., Cedar Falls

Liberty Tax Service618 Brandilynn Blvd., Cedar Falls

Upper Cervical Health Centers of America1935 Main St., Cedar Falls


FEbrUAry 2010 www.GrEAtErcEdArvAllEychAmbEr.com PAGE 19

2010 Premier MembersThe Greater Cedar Valley Chamber of Commerce extends a special thank you to our 2010 Premier Members. If you would like to become a Premier Member, please fill out the Voluntary Assessment portion of your dues.

The Greater Cedar Valley Chamberwould like to say thank you to the Members who have renewed their

Membership for 2010.

Thank you for your continued support!

For a complete list of Membership renewals, please visit www.greatercedarvalleychamber.com and

click on the Resource Documents link.

1st Insurance ServicesAFLACBankIowaBill Colwell Ford-Isuzu, Inc.Black Hawk HotelBridges Senior Lifestyle LivingCedar Valley IT ServicesCedar Valley Society for Human Resource ManagementCovenant FoundationCrystal Distribution ServicesFarmers National Co.Financial Decision GroupGosling & Company, P.C.Harrison Truck CentersHood & Phalen InsuranceHoward R. GreenIowa State University-University ExtensionKaren's Print-Rite/Pro Sign

KCRG-TVLilliansManorCare HealthcareManpower, Inc.Monte Meyer, Golf ProMount's Wrecker ServiceOffice ExpressOster Partners L.P.Restoration Services, Inc.Royal LimousineSyngenta Seeds, Inc.Target Regional Distribution CenterTEAM TechnologiesTerry L. Butz Creative IncorporatedTropical InteriorsTurn Key AssociatesWaterloo Black Hawks

Mark your calendar for the Chambers 2010 Strictly Business Expo to be held on Tuesday, April 6 at Park Place Event Centre from 4-7:00 p.m. The theme is Theres No Place Like Home.Shop.Dine.Entertain. A networking event, Business After Hours, will be included in the format of the expo.

The expo will showcase various businesses products and services. Businesses new to the Cedar Valley as well as long-time businesses will benefit from the exposure at the expo. Strictly Business also offers sponsorship levels (limited number) which provide marketing benefits for Chamber members.

Exhibitor booths are available! If you are interested in a booth space or sponsorship opportunity, please contact Bette Wubbena at 233-8431 or bette@ greatercedarvalleychamber.com.Silver Sponsors: Allen Health System and Wheaton Franciscan Healthcare

February Calendar of EventsFebruary 1 Strategic Communications Committee, Cedar Falls office, 9:00 AM

February 2 Strictly Business Task Force, Park Place Event Centre, 1521 Technology Pkwy., Cedar Falls, 7:45 AM February 3 Golf Classic Task Force, Cedar Falls office, 8:00 AM February 4 Membership Task Force, Roux Orleans, Black's Building, Waterloo, Noon February 11 Business Education Series, Isle Casino Hotel Waterloo, 7:30 AM February 11 Annual Celebration, The Other Place, Ridgeway Ave., Waterloo, 4:00 PM February 12 Government Relations Task Force, Cedar Falls office, 7:30 AM February 12 Cedar Falls Ambassadors, Cedar Falls office, Noon February 16 Strictly Business Task Force, Cedar Falls office, 7:45 AM February 16 Legislative Reception, Renaissance Savery Hotel, 401 Locust, Des Moines, 5:00 - 7:00 PM February 24 Cedar Falls & Waterloo Ambassadors, Beck's Sports Brewery, University Ave., Waterloo, 4:30 PM February 25 Board Meeting, Holiday Inn, University Ave., Cedar Falls, 8:00 AM

THE COURIERPAGE 20 FRIday, JanUaRy 29, 2010www.wcfcourier.comcedar valley business monthly

PAGE 20 www.GrEAtErcEdArvAllEychAmbEr.com FEbrUAry 2010

Web-based VoterVoice, Coalitions Leverage Cedar Valley Message to LawmakersBy Steve Dust, President/CEO,Greater Cedar Valley Alliance

Capital will always go where its welcome and stay where it is well treated. Capital is not just money, it is also talent and ideas.Walter Wristons Law of Capital reminds us that a strong business climate and pro-business policies are important to the economic growth of the Cedar Valley of Iowa.

As the State Legislature and US Congress head back to work, quick communications to our delegation and other key legislative leaders is important. The 2010 State session will have special challenges because it is a short session, its likely that they will often be in session five days per week, and they have very tough budget issues to fix.

To help you communicate with our legislators on issues most important to you as leaders of businesses, institutions, and taxpayers, the Alliance provides theGovernment Relations Action Network powered by VoterVoice at www.cedarvalleyalliance.com. VoterVoice permits you to register once, then communicate as often as you like with your Federal and State legislators, and local officials too. VoterVoice can be used to let our elected officials know your views on the various bills and actions under consideration.

You can easily sign up online at www.cedarvalleyalliance.com under the "Government Relations/Action Network" link.

And there are plenty of key issues to monitor this year.

At the Federal level there is Health Care Reform, Cap and Trade, elimination of private ballots in union elections (EFCA), technology park and air service development zone incentives, important talent training programs up for reauthorization, and millions of dollars in important community facilities projects. At the State level, the budget crisis has business and economic development organizations protecting our pro-business, pro-development tax credits, as well as highly successful and efficient training and education programs and budgets. Were also watching for bills that threaten to repeal federal deductibility of State income taxes and the Right to Work, Choice of Doctor, and

impose a prevailing wage in our tax funded projects.

Your Alliance maintains a variety of valuable allies in issue- and interest-based coalitions. Our Alliance investor/members often assist us through their government relations representatives. In Iowa, we work closely with the Professional Developers of Iowa, representing economic developers; Iowa Chamber Alliance representing the metro development and chamber organizations; the Iowa Association of Business & Industry, Iowa Prosperity Project, the Iowa Business Council, Technology Association of Iowa, and a coalition specifically working on preserving tax credits for historic building rehabilitation,

and many other groups related to Alliance activities.

At the federal level, we work with National Association of Manufacturers, National Federation of Small Business, Campaign to Support Free Enterprise, and others on specific issues, such as Coalition for Affordable American Energy, and Chamber Alliance on Healthcare Reform.

We need your voice to be part of ONE VOICE for the Cedar Valley of Iowa. Please sign up and use VoterVoice, and as always please contact Steve Firman, Alliance Director of Government Relations at [email protected] or me at Dust@CedarVal leyAl l iance .com regarding issues of importance to your business or institution.

Thursday, March 117:30 - 9:00 AM

5 Sullivan Brothers Convention CenterW. 4th & Commercial St., Waterloo

The program will include updates on city and county issues from Mayor Buck Clark, Mayor Jon Crews and a representative from

the Black Hawk County Board of Supervisors.

There is no cost to attend; however, reservations are required. Please RSVP by March 4 to the Chamber office at 233-8431.

Sponsored by:

Co-Sponsored by:

MWD Fundraising Opportunities Available for Service Groups

My Waterloo Days 2010, Expo Excitement, will be held on June 3-6 at the RiverLoop Exposition Plaza and Lincoln Park. Once again there are fundraising opportunities available to local service groups, organizations and churches with clean up, ID validation and beer pouring.

Groups can earn from as little as $40 to as much as $500 depending on the number of volunteers required. Slots for

ID validation and beer pouring are in 3 hour shifts and clean up projects are targeted at 1 hour.

For more information and agreement details, please contact Jay Stoddard, My Waterloo Days Director at (319) 233-8431 or [email protected].


FEbrUAry 2010 www.GrEAtErcEdArvAllEychAmbEr.com PAGE 21

You're invited to attend our annualCedar Valley Legislative Reception

Tuesday, February 16, 2010Renaissance Savery Hotel, 401 Locust, Des Moines

Hors d'oeuvres & Cocktails 5:00 - 7:00 PM

There is no cost to attend, but an RSVP is appreciated by calling 319-232-1156 or sending an e-mail to

[email protected].

Cedar Valley Character Counts Committee Receives 2009 Iowa Character Award

The Cedar Valley Character Counts Committee (CVCCC) has been selected as the recipient of the 2009 Iowa Character Award.

The Award, presented by the state organization Character Counts! In Iowa, is given to the Iowa community that has developed an active task force and a comprehensive, sustained community-wide initiative supporting the Six Pillars of

Character Trustworthiness, Respect, Responsibility, Fairness, Caring and Citizenship

and has integrated character development throughout the entire community.

Formed in late 2005, the CVCCCs mission is to grow awareness of and involvement in

the Character Counts! Program locally, assisting in developing citizens who live, model and encourage positive character in home, business, community and service organizations and faith communities.

Last April, CVCCC hosted the first annual Champions of Character event at the 5 Sullivan Brothers Convention Center, recognizing students who consistently demonstrated

outstanding achievement in modeling the Six Pillars. Three hundred people attended.

Various training sessions are held for local counselors and family support workers on the implementation of the Pillars. Numerous presenters have spoken to metro-area students, including former Governor Robert D. Ray. Allen College hosted a reception for the Young Leaders of Character, punctuating

the establishment of the states second youth training core.

The Cedar Valley Character Counts Committee was recognized on October 17 in West Des Moines at the Iowa Character Awards Banquet.

To join the local Character Counts Committee, contact Bruce Clark, Chair, Liberty Bank, 319-233-8527, or email [email protected]

Greater Cedar Valley Alliance & Chamber Present

Business Education Seriesa series of educational seminars for your business

Healthcare Reform & Your BusinessThursday, February 11 from 7:30 AM - 9:00 AM

at the Isle Casino Hotel Waterloo

Presenters include:Gil Irey - Cedar Valley Medical Specialists

Greg Saul - Professional Insurance PlannersRick Seidler - Allen Health System

Facilitator: Steve Sinnott - The Sinnott Agency

Cost: $15 for members and $25 non-membersPlease RSVP to the Alliance & Chamber at 232-1156.

Sponsored By Mark your Calendar!

Thursday, April 1 - Communications/Social Networking

June - Behavorial Marketing

Thursday, March 11, 20108:30 a.m. to 4:30 p.m.

The Supervisors Club, WaterlooFor more information visitwww.cedarfallsjaycees.org

The Cedar Falls Junior Chamber is proud to announce the fourth annual

THE COURIERPAGE 22 cedar valley business monthly fEbRUaRy 2010

Eight keys to finding a better car dealBe better-prepared to own your

next vehicle by knowing what to ask and what a good deal is.

1. Find the right dealer-ship and sales professional. Dealing with the right deal-ership and sales professional is the foundation to the whole pur-

chasing pro-cess. The deal-ership and how they treat you is a key factor. Do they want your business? Do they want to keep your busi-ness? Do the owners strive to keep their dealership the best it can be? You can tell by dealing with the management, salespeople and everyone else who you come

in contact with at the dealership. Salesperson: After you pur-

chased your vehicle have you ever heard from your salesper-son? Does your salesperson assist you with your vehicle con-cerns and needs? Have you ever purchased a vehicle only to find out the salesman made promises that he/she wouldnt keep? Or you found out later that they lied to you? This is the 21st century! There are actually honest sales-people who take this business

very seriously and look at it as a long-term career.

If you dont have a salesperson you can trust, ask around.

2. Know what you need your new vehicle to accom-plish for you. Be careful in choosing your next vehicle, because it is a big investment. If you pick the wrong one it will cost you money. That is why it is important to make a list of things you need your new vehicle to accomplish before you start shopping. Have you thought about how much room you need? Gas mileage? Power for pulling and hauling?

Car shoppers: Make sure the car is going to provide you with enough room to put your stuff in and has enough legroom for everyone.

Truck shoppers: You could wind up an unhappy truck owner if you havent thought carefully about how many people and how much gear you need to carry. You need to consider what you are really going to pack for payload as well.

3. Decide why used is better than new. Did you realize that when you buy a new vehicle, you can lose a few thousand dollars as soon as you drive it off of the lot? Are your prepared to lose a few thousand dollars in a matter of minutes? If so, then buying a new vehicle may be a wise investment for you. If not, you may want to consider buying used.

4. Find a dealership that can provide references or testimonials from custom-ers. Few dealers can provide this information. In many cases this is because they have very few satisfied customers. Many dealerships simply continue to buy new business through their advertising efforts instead of creating fans and building their business on repeat and referral business.

If a dealer doesnt have letters of recommendation from people it has worked with in the past, you should consider shopping elsewhere.

5. Discover how the dealer-ship prepares their vehicles before they offer them for sale. I have personally asked dealers all over the country what they do to get their vehicles ready for sale. My favorite response (to make fun of) is the dealer who responded, I drive them from the auction to the lot.

Unfortunately, the same recon-ditioning process that is followed by many used car dealers. When you are paying thousands of dol-lars for a vehicle, you deserve to receive something more. Just like you demand to know if your doctor is qualified to handle your health or if your financial plan-ner is qualified to handle your money, you should want to know more about the qualifications of the people who are handling your automotive needs.

6. Find out if the dealer offers any kind of guarantee or warranty on their used vehicles. Why would you risk spending money with someone who isnt willing to stand behind the cars they sell? Most dealer-ships stand behind their vehicles with anywhere from a measly 10 percent to a whopping 100 percent warranty. You will find the dealers warranty listed on the window on the used car on the Federal Buyers Guide (it is a fed-eral law that each vehicle display this document).

The challenge is to be cautious about anything less than a 100 percent drivetrain warranty at time of sale. When someone I care about is shopping for a vehi-cle, I urge them to consider this.

Make sure you have a guarantee that is included. It may seem like you are getting a good deal from a dealer or a private seller, but that good deal can quickly turn into a nightmare if you experi-ence problems with the vehicle after you drive off.

7. Find out if the dealer can help you arrange financing at competitive rates. Many dealers will be able to connect you with exceptional rates and finance sources if you have good or excellent credit, but many dealers fail to help people who have had credit challenges in the past. Even with excellent credit, many unprofessional dealerships fail to offer all customers all of

their options all of the time.I am personally very pas-

sionate about this topic. Many banks and finance companies base their decision to loan you money in large part based on the relationship they have with the dealer. A dealer who has good relationships with a finance company, bank or credit union will be better able to help you obtain financing. Building these relationships takes time, energy, and patience, which many peo-ple lack.

8. Buying a vehicle should be worry-free. Most deal-ers will tell you that you should choose them because of price or service.

Low price in the car business is an empty promise. All vehicles are priced based on supply and are held in check by book val-ues. Generally, you will get a very similar price no matter where you shop. Beware of a dealer promis-ing a price that is too good to be true; it most likely is. They will make up the difference in the finance department, or they may not give you a fair amount for your trade-in.

Service is another poor answer to this question. You should expect service.

You should buy a car from someone who is able to give you a quick and powerful answer to this question someone who actually provides something beneficial to you.

Tom Holdiman is owner of Holdiman

Motors in Cedar Falls. Contact him at (319) 277-1210 or [email protected]. The

dealerships Web site is

holdimanmotor.com

U.S. adults spend an average of 13 hours a week online The associated Press

U.S. adults said they are spend-ing more time on the Internet nearly 8 percent of their week this year, according to a recent survey.

The Harris Poll reported Amer-icans 18 and older spent an aver-age of 13 hours a week online, excluding time spent checking e-

mail. Thats an hour a week less than in October 2008, during the election campaign and burgeon-ing financial crisis but nearly double the time spent online a decade ago. In 1999, Americans said they spent an average of seven hours a week online. That increased to between eight and nine hours through 2006 and grew to 11 hours a week in 2007.

Harris said the increase in the past two years was striking, and partly reflected growth in TV watched on the Internet and online shopping. Half the people surveyed said they shopped over the Internet in the last month.

People from ages 25 to 49 spent the most amount of time on the Internet (17-18 hours a week), whether at home, work or anoth-

er location. Americans who were 65 and older spent only eight hours a week online, on average.

Nearly a quarter of people aged 25 to 29 said they spent between 24 t