Villisca's business community is a blend of retail, service, technical and agriculture related businesses. It is a supportive community where business owners work not only to see their own businesses grow but to see the same for others in the community. Because of changes in technology, businesses that at one time needed to be located in urban centers can operate from rural areas giving new possibilities to businesses in Villisca. There are certainly some types of businesses which still would not find it easy to do business from Villisca but we encourage business owners, would-be business owners and people at the corporate level of large businesses to take a look at locating a business in Villisca. Contact Roxanna Sieber, Villisca Economic Development Director at rtsieber@netins.net for more information.

On this page, we highlight Vilisca businesses and provide a listing of Villisca businesses. We also provide information that business owners can use and to highlight business life in Villisca.

Click here to read the May 2010 Villisca Economic Development Initiative report

 

RE: Survival of local lockers - regulations re: local foods

Bahia Barry local food coordinator for the Golden Hills RC&D writes: The following letters outline new guidelines that will have a significant impact on our local lockers.

I encourage you to read the information and submit comments on the proposed guidelines. If you have questions let me know we can find the answers.

It is very important that comments be sent prior to June 15 (extended from the original April 19th deadline) regarding the implementation of these validation guidelines. It is possible that if these are implemented, all small, local meat processors would close; the cost of implementing these changes are extremely prohibitive.

Here in SW Iowa all of the locker owners are aware of these proposed guidelines and are working to see that the proposed changes don't put them out of business. Your support is greatly appreciated as we work to ensure a stable and sustainable local food system that includes local processing for meat and poultry.

On March 19, 2010 USDA/FSIS published the Draft Guidance-HACCP System Validation that addresses the validation of HACCP (food safety) plans in officially inspected meat and poultry plants.

These validation guidelines are re-interpreting a regulation that has been in place for over 10 years. HACCP plans have been a regulatory requirement in officially inspected plants since 2000. Validation of HACCP plans has been accomplished by supporting decisions with scientific documentation, ongoing testing and ten years of documentation. During this same time in-plant HACCP Systems have been routinely reviewed by on-site inspection staff and subject to periodic extensive review through Food Safety Assessments. This currently provides significant oversight of a plant's HACCP system. This new interpretation tremendously increases the number of microbial tests that must be conducted. This will not produce safer food. It is a scientific fact that you can not test safety into food products.

The following details specific concerns with the Draft Guidance-HACCP System Validation:

1. The cost for a small business to test and validate its CCPs for the large number of unique products produced could be unmanageable for many. Estimates of initial costs for testing for a typically plant that slaughters three species (beef, pork and lamb) and produces 10 substantially different products is $106,900. Annual costs for ongoing testing have been estimated to be $31,800.

2. Small and very small meat plants are an important part of the economy of rural Iowa. This new interpretation will surely precipitate the closing of many plants. What they are asking is extremely disconcerting and it goes completely against the administration's "know your farmer, know your food initiative," which is meant to support small, local food producers.

3. The manner in which this major regulatory re-interpretation was announced on March 19, 2010 does not follow the same scrutiny as typical regulatory changes. There is no mechanism in place to have this new interpretation reviewed by the Small Business Administration to determine the financial impact on small businesses. FSIS is currently allowing for a comment period that will close on April 19, 2010. Meat industry groups have petitioned to extend the comment period.

4. Iowa small and very small plants have from one to ten HACCP plans covering slaughter, raw meat production, cooked products, shelf-stable products and other processes. Each HACCP plan has one or more Critical Control Points (CCPs) that prevent, reduce or eliminate food safety hazards. Each of the CCPs would be required to be validated with the protocols outlined in the draft guidance.

5. Additionally, FSIS has indicated that they will require that all pre-requisite programs, such as plant sanitation, cooler temperature monitoring and pest control programs must be validated under the same protocols outlined in the draft guidance. These programs are numerous and validating these will add substantial costs.

6. The validation protocols in the draft document are extensive and complex.
" For each CCP, samples from carcasses or products must be collected before and after the CCP. For very low volume plants it is recommended that a total of 26 samples be taken and have at least three different bacterial tests run on each sample.
" Additionally, each pre-requisite program will be held to the same rigors of testing.

7. This new interpretation discriminates against small and very small plants that typically process more than one species of livestock and produce a wide variety of products.


Iowa Meat and Poultry Inspection Bureau HACCP expert, Janis Hochstetler and Dr. Jay Wenther, Executive Director of the American Association of Meat Processors are available to discuss these crucial issues.

Kendrick and Heard Celebrates their
40th Anniversary

Gayle and Linda and their family - Villiscans all!

Gayle and Linda Heard own and operate Kendrick and Heard Plumbing in Villisca, IA. There story is one that is repeated time and again in southwest Iowa. Theirs is a family business which opened it's doors in the 1930s. Gayle and Linda took over the business in 1970 from her father, Darwin Kendrick. Both Gayle and Linda are VHS graduates as are their three daughters and two of their three sons-in-law. All of their children went to college, returned to live in Villisca and have distinguished themselves in their professional lives in southwest Iowa.

The Heard's have been successful within the parameters they set for themselves. They value the Villisca community and have been generous with their time and money in involvement in many areas of community life. They are active in the Chamber of Commerce with Gayle serving as treasurer for many years.

Stop by and thank Linda and Gayle for the 40 years they have made Villisca the home of their business and for the many things they do to make Villisca a great place to live and work. And - the next time you need one of their services or one of the items they sell, thank them by doing business with them.

Villisca businesses - they are exceptional - each one. In the December 30, 2009 edition of the Villisca Review, Judith Ann Moriarty wrote in her City Mouse column, the following:

The day before Christmas Eve day, I called Flower Basket Wildflowers to place an order. It was one way I could thank them for placing an ad in the Christmas issue. A recorder answered at 712-826-2484, and a male voice advised me to leave a message and they'd call me right back.

I didn't leave a message other than my name, but call me back they did, and an hour hadn't passed before Scott phoned to say he'd managed to get my number from Ms. Vermillion. If that isn't Iowa service, I don't know what is. "We were taking a break for supper," he said. It reminded me how long it had been since I'd heard the word "supper." And how spoiled I'd become in expecting 24/7 service.

Anyway, I told Scott who I was (City Mouse says I), and then asked if he might have a small mouse he could attach to my Flower Basket order. There was a pause and he quipped, "well, we trapped a few around here." We shared a laugh over that before he suggested they could whip up a mouse out of moss or a pine cone or two. 'I don't want anything fussy, (says I). The person I'm sending it to, isn't fussy, at least I don't think she is. Unfortunately, I've yet to meet her."

"We can do a contemporary arrangement," said the kindly voice. In the background I could hear his partner say they were located in Chunky Dunn's former Five & Dime. I immediately imagined myself entering that store, the same place where I purchased my first tube of Tangee lipstick (guaranteed to be invisible), and a least a few Storybook Dolls. All of this led to inquiries about how long the business had been in Villisca. "Seventeen years!" I gushed. Seventeen years. It sounds like a lifetime in a world where businesses sometimes don't last out a year.

Scott said 2009 had been a bit challenging, but his voice was steady and sure. Earlier in the day I had watched the billionaire duo, Buffet & Gates, present an informal question and answer session to students at Columbia School of Business, and the two came across on television as absolutely sure we'd come out of our current economic mess. In retrospect, their comments don't give me half as much hope as the voice of true entrepreneurs running a business in a former Five & Dime located in the heart of America on Third St., south of the square.

After my order was firmly in place, Scott told me he reads City Mouse and "likes it."

I know from the pile of emails I receive, that I do have male readers, but it was particularly nice to hear the actual words coming through my receiver. When I hung up, I realized that it was silly of me to assume the Flower Basket would have a ceramic mouse just waiting around for me to ask for it. In the city, we have way too many choices and well, those multiple choices lead to the expectation that our every wish will be granted on demand. And of course, it's not just flowers that can be sent these days. Now we have elaborate arrangements of sliced fruits, cookies on sticks, and any number of foodstuffs cobbled together and delivered in lieu of what some would say is the same old same old.

Remember when our choices in breakfast cereal were Wheaties and/or oatmeal? Two choices! It was exciting to have two instead of only one wasn't it? And even more exciting for mother who no longer felt completely obligated to be up fussing over caramel rolls at dawn's early crack.

Well, I'll tell you what. Give me the personal touch; the voice of an owner who picks up the phone. I felt so confident, so cared for when I gave the Flower Basket my order that I said, "Do whatever you like with the arrangement. I'll leave it up to you. It's your choice. And take your time. No rush."

And so it was on Christmas Eve…. I sat back to imagine: was it a mouse of moss or a mouse of pine cones that made its way up the hill to the friend I've never actually met?

Villisca Business Directory
(businesses in bold are 2009 members of the Villisca Chamber of Commerce)

Find below a list of Villisca businesses. We are pleased to include businesses outside Villisca who consider themselves a part of the business community by participating in the Villisca Chamber of Commerce. We've tried to include all Villisca businesses and welcome corrections. The one exception is that we have included only the farm operations which belong to the Villisca Chamber of Commerce.

Ag and Related Businesses
Black Earth Excavation & Tiling
Jan Posten, Owner
1170 R Avenue
Villisca, IA 50864
cell - 712-542-8751

D & J Farms, Inc.
Villisca, IA 50864

Frey Enterprises
1071 120th Street
Villisca, IA 50864
785-3701

Golden Harvest
Matt Dolch, Intern/Dealer
1601 T Avenue
Villisca, IA 50864
712-370-2946
http://www.facebook.com/
l/032dc;www.dolchseed.com

Hilltop Greenhouse & Gardens
1059 - 240th Street
Nodaway, IA 50857
712-542-8852

Kernen Farms, Inc.
708 E. 3rd Street
Villisca, IA 50864
826-8434

Mark Focht Farms
Villisca, IA 50864

Nodaway Valley Equipment
306 S. U Avenue
Villisca, IA 50864
826-2300

Nodaway Valley Feeders

Penwell Grain Company
3107-155th Street
Villisca IA 50864
826-4682

Pioneer Hi-Bred Intl
306 S. U Avenue
Villisca IA 50864
826-2300


Southern Hills Vet. Service

101 N. U Avenue
Villisca, IA 50864
826-5522

Southwest Iowa Carcass Data
Kari Bloom - 712-370-2357
Deb Scott - 712-249-0131

Sunbest Papetti Farms
2975- 265th St.
Villisca, IA 50864

826-2688

Tyson Fresh Meats Inc
3106-130th Lane
Villisca IA 50864
826-2312

United Farmers Merc Co-op and Elevator
401 N. U Avenue
Villisca, IA 50864
826-2172 - 826-2232

Bruce and Donna Williams
1051 Sycamore Avenue
Villisca, IA 50864

David & Corrine Williams
2873 102nd Street
Villisca, IA 50864

Antiques
Country Lane
320 South Third Avenue
Villisca, IA 50864
826-3139

Villisca Furniture & Antiques
402 S. 3rd Avenue

Villisca, IA 50864
826-2281

Automotive Repair & Maintenance
Body by Freshour
309 S. 4th Avenue
Villisca IA 50864
826-3636

Kasha's Garage
615 S. 4th Avenue
Villisca IA 50864
826-5642


Marsh and Sons Automotive Repair
208 E. 6th Street
Villisca, IA 50864
826-2166

Schafer Automotive Service
310 E. 3rd Street
Villisca, IA 50864
826-2892

Villisca Detail Center & Car Wash
109 N. U Avenue
Villisca, IA 50864

826-2865

Banking and Financial
Bank Iowa
300 S. 3rd Ave.
P.O. Box 46
Villisca, IA 50864
826-2562

Great Western Bank
2100 Commerce Drive
Red Oak, IA 51566
623-9809

Houghton State Bank
116 Coolbaugh
Red Oak, IA 51566
623-4823

Page County State Bank
120 E. Washington

Clarinda, IA 51632
542-5661

Beauticians
Curling Post
202 S. 4th Avenue
Villisca IA 50864
826-3062

Hair Kut Korner
208 S. 3rd Avenue
Villisca IA 50864
826-2062

Studio Central Salon
Tina Means - Owner/Stylist

118 Central Avenue
Villisca IA 50864
826-2472

Villisca Child Care Providers

Joni Currin 826-4525

Jennifer Witcher 826-4299

Amber Grantz 826-4150

Tara McCormick 826-3391

Carolyn Fisher 826-3122

Churches
Advent Christian Church
300 South 2nd Avenue
Villisca, IA 50864
826-4662

Mount Calvary Lutheran Church
107 S. 5th Avenue
Villisca, IA 50864
826-7202

Presbyterian Church
109 S. 3rd Avenue
Villisca, IA 50864
826-3372

St. Joseph's Catholic Church
131 W. High Street
Villisca, IA 50864
826-8841

Strand Evangelical Lutheran Church
1127-160th Street
Villisca, IA 50864
826-8117

United Methodist Church
203 S. 3rd Avenue
Villisca, IA 50864
826-3132

Communications
Johnston Communications
309 East 4th Street
Villisca, IA 50864
826-4022
tjohnston2@netins.net

KCSI-KOAK Radio
1991 Ironwood Avenue
Red Oak, IA 51566
623-2584

Mediacom Communications Corp.
310 Commerce Drive
Red Oak, IA 51566
623-4816

Red Oak Express
2012 Commerce Drive
Red Oak, IA 51566
623-2566

SWIE Digital
103 S. U Avenue
Villisca IA 50864
826-3360

Villisca Review Stanton Viking
Peggy Vermillion, Editor
P.O. Box 7
113 North 5th Avenue
Villisca, IA 50864

826-2142
newspapr@netins.net

Villisca Farmers Telephone Co.
205 E. 4th Street
Villisca, IA 50864
826-2812

Construction
Clark Plumbing & Construction
3094-265th St.
Villisca IA 50864
826-5132

Brian GayConstruction Co.
601 S. 2nd Avenue
Villisca IA 50864
826-2280

Hammerstrom Construction

J & J Construction & Lawn Service
104 West. 4th Street
Villisca, IA 50864
826-4406

Jim Parker Construction
3210 110th Street
Villisca, IA 50864
763-4380
cell 621-4380
homebuilder1949@netins.net

Joe Cooney

Jr. Bergren

Kammerer Shawn Carpentry & Roofing
114 West 6th Street
Villisca IA 50864
826-3919

Leichty Construction
2007 T. Avenue
Villisca IA 50864
826-8426

Mark Cody

Nishna Valley Builders
Jeff Fulton 785-3449
Chuck Fast 826-8736
Scott Fast 785-3517
Villisca,IA

Roger Williamson

Terry Currin Construction

Todd Bowden

Winther Construction
1552 V Avenue
Villisca IA 50864
826-2000

Entertainment and Cultural Affairs

Olson Linn Museum
323 E. 4th Street
Villisca IA 50864
826-2756

Rialto Theatre
422 S. 3rd Avenue
Villisca IA 50864
826-2122

Villisca Country Club
2500 US Hwy 71
Villisca IA 50864
826-5322

Villisca Alumni and Friends Association
P.O. Box 45
Villisca, IA 50864

Food and Drink

Casey's General Store
309 N. U Avenue
Villisca, IA 50864
826-9962

City Lounge
414 South Third Avenue
Villisca, IA 50864
826-9972

Country Lane
320 South Third Avenue
Villisca, IA 50864
826-3139

D&D Bar and Grill
307 E. 4th Street
Villisca, IA 50864
826-9342

Evie's Coffee Cup
313 East 4th Street
Villisca, IA 50864
826- 4595

The Bank
400 S. 3rd Avenue
Villisca IA 50864
826-3344

V-Bar, American Legion
321 E. 4th Street
Villisca, IA 50864
826-2702

Villisca Foods
509 S. 3rd Avenue
Villisca, IA 50864
826-2412

The Witch's Den
412 S. 3rd Avenue
Villisca IA 50864
826-9272

Insurance and Law Firms
Kline Insurance
406 S. 3rd Avenue
Villisca, IA 50864
826-5192

Swanson Law Firm
209 Coolbaugh

P.O.B. 78
Red Oak, IA 51566
623-2554

Medical
Red Oak Internal Medicine
1400 Senate Avenue
Red Oak, IA 51566
623-7280
Villisca Office:

301 E. 4th Street
826-2882

Clarinda Reg. Health Center
823 S. 17th, P.O. Box 217
Clarinda, IA 51632
542-2176
800-682-7920

Montgomery Co. Mem. Hospital
2301 Eastern Avenue
Red Oak, IA 51566
623-7000

Villisca Medical Clinic
301 E. 4th Street
Villisca, IA 50864
826-4422
bhutchinson@mcmh.org
www.mcmh.org

Stoner Drug
408 S. 3rd Avenue
Villisca, IA 50864
826-4112

Villisca Family Health Center
(Clarinda Regional Health Center)
309 S. 5th Avenue
Villisca, IA 50864
826-3003

Good Samaritan Society - Villisca
202 Central Avenue
Villisca, IA 50864

826-9592
www.good-sam.com

Wyatt, James F. MD
1905 East Summit
Red Oak IA 51566
623-5416

Real Estate
Century 21, Bill Jacobs, Agent
2453 T. Avenue
Villisca, IA 50864
826-8132

Crawford & Co. (formerly Kline Real Estate)
406 S. 3rd Avenue
Villisca, IA 50864
826-5192

John Hausen/Jim Hughes Real Estate
410 So. Locust, Glenwood, IA 51534
712-826-7242 402-669-0637cell
hausens@netins.net jimhughesrealestate.com

Sun Valley Apartments
604 E. 6th Street
Villisca IA 50864
826-4149

Villisca Housing

Individuals - Supporters of the Villisca Chamber of Commerce
Walter & Ruth Eitzen
1111 US Hwy 71
Villisca, IA 50864
826-8208

Tom Focht
800 East Ratliff Rd
Red Oak, IA 51566

Mark Focht
Villisca, IA 50864

Dave & Mary Lindburg
112 North Second Avenue
Villisca, IA 50864

Clarence Peterson
208 West 1st Street
Villisca, IA 50864
826-7512

Jim & Diane Wallick
2374 Union Avenue
Villisca, IA 50864
826-7292

Donna and Bruce Williams
1051 Sycamore Avenue

Villisca, IA 50864

Retail
Bad Boy Mowers - Mid-Continent Sales - Villisca Satillite Dealership
Mr. Kyle Yates, Dealer
712-621-4137
Model on display at 107 W. 3rd Street

Casey's General Store
309 N. U Avenue
Villisca, IA 50864
826-9962

Country Lane
320 South Third Avenue
Villisca, IA 50864
826-3139

Flower Basket
404 S. 3rd Avenue
Villisca, IA 50864
826-2484

Granny's Auto Parts
NAPA Auto Parts
204 E. 4th Street
Villisca, IA 50864
826-2032

Hilltop Greenhouse and Gardens
301 N. U Avenue
Villisca, IA 50864
785-3346

Red Oak Chrysler
1907 Broadway
Red Oak, IA 51566
623-9310

Stoner Drug
408 S. 3rd Avenue
Villisca, IA 50864
826-4112

United Farmers Merc Co-op and Elevator
401 N. U Avenue
Villisca, IA 50864
826-2172

Villisca Foods
509 S. 3rd Avenue
Villisca, IA 50864
826-2412

Villisca Furniture & Antiques
402 S. 3rd Avenue
Villisca, IA 50864
826-2281

Service Businesses

Alliant Energy provides gas services for the Villisca community. Alliant is also active in helping entrepreneurs and businesses find the right location for their business and supporting entreprneurs in a number of ways. More about Alliant Energy can be found at www.midwestsites.com.

Automotive Relocation Service, LLC
309 S. 4th Avenue
Villisca IA 50864
826-3636

Brown Sanitation
109 W. High Street
Villisca, IA 50864
826-3402

Brown's Sales & Service
901 S. U Avenue
Villisca IA 50864
826-2482

Dance Unlimited
120 West 3rd Street
Villisca, IA 50864
Cindy Scott, Owner - 826-8222

Cindy's Tanning
120 West 3rd Street
Villisca, IA 50864
826-8222

Fish Appliance Svc, Htg & AC
2512 Union Avenue
Villisca IA 50864
826-3172

Jewels Professional Cleaning
Julie Laythe, Owner
712-826-4277

JW Photography
322 S. 3rd Avenue
Villisca, IA 50864
712-621-5229
www.jwainwrightphotography.com

Kendrick & Heard Plumbing & Heating
601 S. 3rd Avenue
Villisca, IA 50864
826-5222

Means Lawn Scape
2627-270th Street
Villisca IA 50864
826-2299

North Page Detailing LLC
2747 110th Street
Villisca, IA 50864

Richard Bross

Tom's Service Clean
3265-260th Street
Villisca IA 50864
826-4277

Southwest Iowa Rural Electric Cooperative
415 Broad Avenue
Stanton, IA 51573
712-829-2211

Thompson Woodworking & Rock
303 E. 5th Street, Apt. 1
Villisca IA 50864
826-3933

U.S. Post Office
500 S. 3rd Avenue
Villisca IA 50864
826-2162

Villisca Community Schools
406 East 3rd Street
Villisca, IA 50864
826-2552

Villisca Detail Center & Car Wash
109 N. U Avenue
Villisca, IA 50864
826-2865

Villisca Municipal Power Plant
318 S. 3rd Avenue
Villisca, IA 50864
826-3192

Villisca Public Library
204 S. 3rd Avenue
Villisca IA 50864
826-2452

Villisca Small Engine
204 E. 4th Street
Villisca IA 50864
826-2032

Villisca Storage
Villisca IA 50864
641-322-3929

Wallick Family Trucking, Inc.
Owners: Justin & Angela, Jim & Diane Wallick
2374 Union Avenue
Villisca, IA 50864
712.621.6595 - Phone
www.WallickFamilyTrucking.com

Wolfe Funeral Home
201 E. 4th Street
Villisca, IA 50864
826-4142

 

 

 

VILLISCA Celebrates
JW Photography's 1st Anniversary

JW Photography established itself as a Villisca business on November 1, 2008. Congratulations to Julie Wainwright on the first anniversary of her business. Julie has a preference for doing portraitures and candid shots in natural outdoor settings. She also produces outstanding photos in her studio. Her repertoire includes family photos, senior pictures, baby photos and weddings. She has photographed Villisca's EMTs and the 2009 graduating class, In her studio window, at the corner of 4th Street and 3rd Avenue, is an outstanding photograph of the bikers who came through Villisca this past summer. The studio is open by appointment.

Julie was an amateur photographer and began working as a professional in 2005.
Julie is married to Adam Wainwright (VHS '99). They live in Villisca with their two children, Andrew and Addison. Julie is generous with her time and talents in contributing to various areas of community life. She has served on the steering committee for the Horizons program.

We appreciate Julie establishing her business in Villisca and her active support of the Villisca business community. The Chamber of Commerce encourages community residents and those from surrounding communities to support Villisca businesses by doing business with them regularly. Though it has not been a focus of her business to date, businesses which need promotional photos should seek the services of JW Photography.

VILLISCA Celebrates
Bank Iowa's 20th Anniversary

Pictured are employees when the bank changed hands and today's employees
Photo by Peggy Vermillion

Bank Iowa celebrated its 20th Anniversary on November 5, 2009 with an open house. On hand were some of those who were with the bank when it changed hands. The headline in the Villisca Review in November 1989 was simply "Bank Sale final Nov. 1". The sale of the bank to Citizens State Bank marked the end of the Nodaway Valley National Bank which Walter Hyink had owned and operated for 41 years. Since that time, Citizens State Bank has changed its name to Bank Iowa.

In the 1989 announcement, Michael Thompson, Vice President, was quoted "Our Villisca bank will offer the same full service banking found at our Clarinda bank," … "It is our plan to grow in Villisca and be active in community affairs as well as offer our customers the best financial service possible." The banking industry has seen significant changes since that change. Citizens, now Bank Iowa, has kept that commitment and has served the Villisca community well.
Citizens State Bank operated out of the building at the corner of Third Avenue and Fourth Street for about a year while their new building was constructed at the corner of Third Avenue and Third Street.

Having a local bank committed to serving the community is important for a community with an eye toward the future. As noted above, the banking industry has changed and it has been a challenge for the smaller rural banks to keep up with the many new regulations and the changes in technology and still continue to serve their customers with the same commitment to being a "hometown" bank. Bank Iowa has been able to meet the challenges and serve their Villisca customers well. They have 24-hour service with the ATM and with the availability of online banking. Customers can still just stop in and get personal help with their accounts or stop in and visit with Scott Sunderman, branch manager, about loans and other banking matters.

Bank Iowa is an active member of the Chamber of Commerce. Scott Sunderman currently serves as Chamber secretary. He also serves on the Kids and Kinship board and represents Villisca on the Montgomery County Community Foundation board. You can see many of the Bank Iowa employees out in the community serving in a number of organizations and events.
The Villisca Chamber of Commerce appreciates the commitment Bank Iowa has made to the community and for its support of the Villisca business community.
Villiscans are encouraged to bank at Bank Iowa, taking advantage of their full line of banking services. When we support local businesses, we contribute to the health of the Villisca economy.

Thank you Bank Iowa for your 20 years of service to the Villisca community.

VILLISCA Celebrates
Schafer Automotive's Anniversary
New Business Owner in Town

Brian and Laci Schafer opened the doors of Schafer Automotive on September 28, 2003, one year to the day after they were married. The business is at the same location where Brian's dad operated Schafer Automotive before his death. Schafer's is a full service auto repair and maintenance shop. They are open Monday through Friday from 8 to 5 and some Saturdays by appointment.

Brian and Laci are active in the Villisca community and in the Villisca Chamber of Commerce. Laci has held several offices in the Chamber, serving as President in 2007. They have been active in planning Heritage Days activities including the Fireworks and the Street Dance and in the fundraising that supports these events.

VHS alumni, Brian graduated with the class of 1991 and Laci in 1997.They became parents in January 2009..

We appreciate the Schafers establishing their business in Villisca and their support of the Villisca business community. The Chamber of Commerce encourages community residents and those from surrounding communities to support Villisca businesses by doing business with them regularly.


Welcome to the Villisca business community to Pam Gray who has purchased the Villisca Detail Center in September 2009..

In an interview with the Villisca Review, Pam indicated, the nature of the business will stay the same as it has in the past offering complete professional automotive cleaning for the interior and exterior of your vehicle, and Gray has no immedicate plans for changes to the facility.

For the time being, Gray is assisted by her son, Nick, who worked at the center during his high school years and is showing his Mom some of the waxing and buffing ropes. Former owner, Donna Robinson, also assisted prior to the purchase and will continue to be a source to turn to if in need.


Jim and Donna Robinson - it's not goodbye

With the news that the Villisca Detail Center has been sold, it is appropriate to recognize the contributions the former owners, Donna and Jim Robinson, have made and continue to make to the Villisca business community. Both Jim and Donna have served in various Chamber positions including that of President. They are most always on hand to serve at Chamber fundraisers and events including the Annual Chamber Easter Egg Hunt, the Annual Chamber Holiday dinner, and the various Heritage Days activities including the Fireworks and the street dance. They work behind the scenes to work on behalf of the business community as a whole and on occasion on behalf of individual businesses.

Jim and Donna were some of the charter members of the Villisca Alumni and Friends Association (VAFA). Jim was the first president of VAFA.

The Robinsons are active in the various Montgomery County organizations. Donna is a Montgomery County Supervisor and gives Villisca a voice on the county level. Jim serves on the Montgomery County Memorial Hospital Board, an important role in the health and welfare of all the citizens of Villisca. The Robinsons made it clear at the October Chamber meeting that they are not separating themselves from the Chamber just because they are not currently business owners.

SCAM ALERT FOR SMALL BUSINESSES - 2/18/09

WASHINGTON – The U.S. Small Business Administration issued a scam alert today to small businesses, warning them not to respond to letters falsely claiming to have been sent by the SBA asking for bank account information in order to qualify them for federal tax rebates.

The fraudulent letters were sent out with what appears to be an SBA letterhead to small businesses across the country, advising recipients that they may be eligible for a tax rebate under the Economic Stimulus Act, and that SBA is assessing their eligibility for such a rebate. The letter asks the small business to provide the name of its bank and account number.

These letters have not been sent by or authorized by the SBA, and all small businesses are strongly advised not to respond to them.

The scheme is similar in many ways to e-mail scams often referred to as “phishing” that seek personal data and financial account information that enables another party to access and individual’s bank accounts or to engage in identity theft.

SMALL BUSINESS AND THE STIMULUS RECOVERY PLAN
information from the Small Business Administration

WASHINGTON – The American Recovery and Reinvestment Act contains a package of loan fee reductions, higher guarantees, new SBA programs, secondary market incentives, and enhancements to current SBA programs that will help unlock credit markets and begin economic recovery for the nation’s small business sector.

“The tax incentives and credit stimulus elements of the Recovery Act will truly help small business owners affected by the credit crunch, and will provide financing opportunities to help them create new jobs in their communities,” said Acting SBA Administrator Darryl K. Hairston.

“There’s a lot to digest in the legislation, and SBA has established teams to tackle a wide variety of policy decisions, system modifications, regulatory changes, legal requirements, and new program launches authorized by the President and Congress,” said Hairston.

The bill provides $730 million to SBA and makes changes to the agency’s lending and investment programs so that they can reach more small businesses that need help. The funding includes:
• $375 million for temporary fee reductions or eliminations on SBA loans and increased SBA guaranteed shares, up to 90 percent for certain loans
• $255 million for a new loan program to help small businesses meet existing debt payments
• $30 million for expanding SBA’s Microloan program, enough to finance up to $50 million in new lending and $24 million in technical assistance grants to microlenders
• $20 million for technology systems to streamline SBA’s lending and oversight processes
• $15 million for expanding SBA’s Surety Bond Guarantee program
• $25 million for staffing up to meet demands for new programs
• $10 million for the Office of Inspector General

The bill also authorizes refinancing for certain SBA loans so borrowers can expand their businesses on favorable terms, and expands leverage capability for Small Business Investment Companies.

“We are going to be part of the solution, and this bill gives us specific tools to make it easier and less expensive for small businesses to get loans, give lenders new incentives to make more loans, and help restore healthy SBA secondary markets to boost liquidity,” Hairston said, noting also that more details on implementation will be coming over the next few weeks.

The stimulus bill takes a comprehensive approach and attacks several problems facing small businesses at once by reducing fees, guaranteeing a greater share of certain loans, expanding capacity in the Microloan program, providing new loans to help small businesses keep their doors open through economic hardship, as well as new mechanisms to help unfreeze the secondary markets for SBA-backed loans.

Declines in SBA lending volume last year, which are continuing in FY 2009, reflect problems in the broader credit markets, and present hurdles to small businesses that are seeking credit in the current economy. The financial crisis has created a variety of conditions that impact small businesses, including a lack of liquidity in the banking system, a reluctance of many lenders to extend new loans, tightened credit standards, weaker finances at small businesses, and uncertainty about taking on new debt on the part of many entrepreneurs.

The Recovery Act addresses small businesses’ lending problems, and addresses key investment and contracting issues. The bill helps Small Business Investment Companies better leverage investment capital to reach more small companies. The bill also increases the current contract limit for SBA’s Surety Bond Guarantee program, which will help small businesses compete for contracts.

 

90 Percent Guarantee
The bill allows SBA to raise its loan guarantee from the current levels to as much as 90 percent for some loans. At present, SBA can guarantee loans up to 85 percent on loans up to $150,000, and up to 75 percent on loans greater than $150,000. The 50 percent guarantee on SBA Express loans would remain unchanged. Increasing the SBA guarantee percentage will encourage lenders to extend more capital to small businesses by increasing the share covered by an SBA guarantee.

Business Stabilization Loans
The bill creates a new SBA loan program to provide deferred-payment loans of up to $35,000 to viable small businesses that need the money to make payments on an existing, qualifying loan for up to six months. These loans will be 100 percent guaranteed by SBA. Repayment would not have to begin until 12 months after the loan is fully disbursed. The bill provides $255 million for this new program. These loans will help ensure that small businesses have time to re-focus their business plans in order to succeed in the long run.

Microloans
The bill expands SBA’s Microloan program, which provides small loans (up to $35,000) paired with technical assistance to start-up, newly established or growing small businesses. The bill provides funding to increase loans from SBA to participating Microlenders by $50 million through September 30, 2010, and adds $24 million in grants to provide technical assistance to borrowers. Historically, these loans reach low-income individuals, women and minorities in both rural and urban areas. Expanding this program through the stimulus bill will help ensure these entrepreneurs are not left behind in the credit crunch.

Refinancing
The bill also gives SBA the power to use the 504 Certified Development Company program to refinance existing loans for fixed assets, providing fresh support for small business expansion. This change will help business owners expand their current development projects and create jobs in their communities.

Secondary Market Expansion
The bill authorizes SBA to establish a secondary market for pools of “first lien” loans under the 504 program. These “first lien” loans from commercial lenders currently have no SBA guarantee. The bill authorizes SBA to deploy federal guarantees for pools of these first lien loans, so that they can be sold to investors in a secondary market. Providing liquidity for these first mortgages will help encourage lenders to continue participating in SBA’s 504 loan program, which provides a key source of capital for community development and other projects.

The bill also empowers SBA to set up a Secondary Market Lending Authority that would make direct loans to broker-dealers that participate in the secondary market for SBA-guaranteed 7(a) loans. These broker-dealers would use the funds to purchase SBA-backed loans from commercial lenders, assemble them into pools and sell them to investors in the secondary loan market. This program may help address some of the issues facing the secondary market for SBA loans and may ultimately help SBA lenders make new loans to borrowers.

Investment Program
The bill helps SBA-licensed Small Business Investment Companies (SBICs) and families of SBIC funds better leverage the capital they use to invest in small businesses. The bill sets maximum levels of funding the agency can provide to these companies at up to three times the private capital raised by those companies, or $150 million, whichever is less. It also raises the percentage any one SBIC can invest in a single small business to 10 percent of total capital, and raises from 20 percent to 25 percent the percentage of any licensee’s dollar investments that must be made in “smaller” businesses.

Surety Bonds
The bill also raises the maximum contract amount that can be covered by an SBA guaranteed surety bond from $2 million to $5 million, and, under certain circumstances, for contracts amounting to $10 million, and provides additional funds to cover the costs of expanding this program. Small businesses need surety bonds in order to bid on and obtain many federal and other contracts. SBA guarantees surety bonds to small businesses that private surety companies would not otherwise be able to extend.

SURETY BONDS for Small Businesses

The U.S. Small Business Administration is making it easier for small businesses to obtain surety bonds by offering a new, fast and easy online electronic application process on the agency's popular Web site.

Small construction, service and supply companies that need bonding can now apply for SBA surety bond guarantee assistance online on the SBA Web site 24 hours a day, seven days a week. The Surety Bond Guarantee (SBG) Program may help you obtain the bonds you need to bid or perform public and private contracts.

Under the program, the SBA works with participating surety companies to provide bid, payment, and performance bonds on contracts up to $2 million in value for small contractors by guaranteeing a percentage of losses sustained in the event of a default. Corporate surety bonds protect the project owner against financial loss, and in the case of public construction projects, protect taxpayer dollars if the contractor defaults.

The new Surety Bond Guarantee E-application System, or E-app system, allows small businesses to quickly and easily submit their application for bonding assistance with surety companies that are registered to use the process. To learn more about the Surety Bond Guarantee (SBG) program and to access the E-app system click on http://www.sba.gov/eapplication.

column 2 - Surety Bonds

Small businesses and surety companies participating in the SBA prior approval program will be able to transmit application forms electronically to help expedite review and approval processes. The new online e- application capability, coupled with recent rule changes, is combining to make bonding more available to small and emerging businesses, and enabling them to access these necessary bonds more quickly.

"Streamlined rules for small businesses and for surety companies alike, along with quick and easy online access, will make it easier for small and emerging contractors to gain access to surety bonds so they can bid on public construction projects," said SBA Administrator Steve Preston. "These changes will support small businesses nationwide, particularly construction contractors in the devastated Gulf Coast region and other disaster stricken areas around the U.S."

SBA assistance in locating a participating surety company or agent and completing application forms is available online. For more information on SBA's Surety Bond Guarantee Program, go online to http://www.sba.gov/osg/ for a list of area office contacts and SBA offices near your business or call 1-800-U ASK SBA.

Are your potential customers
looking for you?

Can your potential customers find you in the yellow pages? - in the "yellow pages" on the Internet that is.

More and more people use the Internet to find information so you need to make sure your business is listed on the Internet as well in the more traditional yellow pages of the telephone book. You need to check for correct category listing and for accuracy of information as well as just to make sure you are listed.

There are "Yellow Pages" on several web sites. These are where people can find businesses based on the category of the business and/or the actual business name. The information on these yellow pages come from a couple different databases. Each site that has a yellow pages link does not necessarily maintain the database that the information comes from. The main sources of the information are: Superpages.com; Yellowpages.com; and InfoUSA.com. As a business owner, you need to check on your listing in each of these services to check for accuracy and to assure that you are in the right categories so people and other businesses can find you.

There are also a couple websites that people go directly to for "yellow page" information that are used specifically here in the heartland. They are: Switchboard.com; QuestDex.com. You need to check these for accuracy as well.

State of Iowa Vendor and Bid Opportunities

Requests for Proposals, Bids, Contracts and Services.

Small and microenterprise businesses can do business with the State of Iowa.

Listed below is a central e-location where state agencies can publish, post and advertise vendor and bid opportunites for procurement of goods or services. A great place to start to find opportunities to contract with the State of Iowa.

http://eservices.iowa.gov/rfp/

Demographic Information
Getting to know more information
about your target market

Do you need demographic information in planning your business expansion or in writing an original business plan - you'll find much of what you'll need on ISU Extension's website www.seta.iastate.edu

 

Checklist for business preparedness for pandemic flu or bioterriorism
http://www.pandemicflu.gov/plan/
businesschecklist.html

The time to prepare is when the sun is shining Disaster Recovery Tips for Small Businesses

 

A Web site is not a magic bullet for business success but ...

A recent look at the Web sites of a couple local businesses has caused me on to make a couple comments.

First, the myth that a Web site can bring on business profits has long been dispelled. At the same time, the time when it was believed that microenterprise and small businesses don't need a Web site has passed as well. This article is not meant to be a primer on small business Web sites. It is just meant as a caution sign - pay attention to how your Web site reflects your business to the consumer so pay attention to what it looks like, what is on it, and how easy it is for your customer to navigate.

Small business owners wear a lot of hats and developing your Web site may be one of them. The decision should depend on how tech savvy you are, how willing you are to educate yourself on some Web basics and how much of an eye you have for design. When you hire someone to create your Web site, you need to ask the same questions. Just because someone is in business as a Web site developer does not mean they are good at it.

Tech: Just because you can - you don't need to. There are a lot of things that can jazz up a Web site but it they take a lot of time to load and have no value to the visitor - leave them out.

Design: A Web site is a visual tool - you need to know the value of color or the lack thereof. Color can be a distraction. Color can make text difficult to read. Certain colors can bring on emotional responses. Speaking of reading text, while TimesRoman is recommended for ease in reading printed text, it is not so for reading on a computer screen. Balance and white space is as important on a Web site as in an advertisement. Your Web site needs to be easy on the eye and appealing.

Web basics: what do your customers expect from a Web site; how long do you have to attract the visitor to keep them on the Web site; how many times is a visitor willing to click to get the information they want; what are the greatest irritations to surfers; how do you get visitors to your Web site to start with?