Dough-Making Machines Crowd Out Cars in Gargage

There’s no room in Ken and Marlene Banwart’s garage for a vehicle. It simply won’t fit among the preparation tables, cases of baking ingredients, walk in freezer and crew of busy workers.

The Banwarts’ garage has become the manufacturing facility for Country Maid Frozen Butter Braid bread.

The rural West Bend couple has been producing the bread, which can be purchased plain or with fruit fillings, on a full-scale basis for less than a year. But Country Maid is already a familiar name in north central Iowa.

The frozen bread dough, which is available locally at B & F, Fareway and Randall Foods, is a regular item at 35 area grocery stores. It has also been used as a fund raising item by Eagle Grove and Humboldt high schools, two church organizations, a 4-H group and a drill team.

In fact, fund-raisers proved the most successful way to introduce the bread to a new area, Ken said.

“If we do a fund-raiser in an area, then put it in a store, it really takes off,” he said.

The Banwarts are less surprised with the success of the product than with the speed with which it has caught on. They already knew people liked their bread when they decided to go into production.

The family used to take produce to farmers’ markets and when vegetable sales slowed down, Marlene would supplement by baking cookies or pies.

A friend who made butter braid dough showed Marlene how to make it.

“So I took it the whole next year to the farmers market…and it was just the thing that sold the best,” she said.

Ken, who worked as a commissioned salesman for Dick’s Office Equipment in West Bend, also tested the market.

“When I was selling for Dick’s, I would take some of this bread, the baked bread, to the secretaries (at client companies), and I got such a good response. I sold quite a bit that way,” he said.

“I kept thinking that we should maybe be doing something with this just because of the response we had,” Marlene said.

In May 1991, the Banwarts decided to seriously pursue the doughmaking business.

“We didn’t think it would take off this fast,” Marlene said.

What’s the secret to successfully selling a rich, buttery- tasting bread in today’s health-conscious climate?

“There’s no butter in it, we put that in our advertising and on our label. It’s margarine,” Marlene said. “I think it’s just something so different. It has a different texture.”

“People like things fresh,” Ken said. “You can buy it frozen, bake it and have it fresh. And it’s countrymade, home-made. I think people like that.”

The bread’s popularity enabled the Banwarts to purchase a walk in freezer recently, which in turn, allowed them to move production out of their basement and into the garage.

It also allowed Ken to quit his job at Dick’s in January and begin working full-time marketing and delivering the bread and doing Country Maid bookwork.

“In deciding how to market it, I had no idea of going into the stores,” he said. “I thought that would be the last place to market it. I thought maybe the specialty shops or something like those. Then we tried a store, and it just took off.”

In fact, Fareway carries the bread in 10 of its stores.

Ken’s territory currently ranges from Spirit Lake and Storm Lake to Fort Dodge and Webster City.

“I’m going to start going to Algona shortly. My wife told me about a month ago or so, Don’t put it in any more stores. We can’t keep up,’” he said.

“Well, we couldn’t,” Marlene said. “We have a nice, big freezer now, and that makes a difference.”

“Before we had the big freezer, it took so long for it to freeze that we had to do all our bagging at night,” Ken said.

That meant shifts of workers were sometimes at the Banwarts’ home from 7:30 a.m. until 10:30 p.m. Bagging is now completed during the day.

The Banwarts have been increasing production since they added the walk-in freezer March 9. They are currently making 1,600 loaves a week, up from the 1,400 loaves that were possible in the basement.

“Hopefully, we can do at least 2,500 a week out there,” Ken said.

“We’re just taking it a step at a time, ironing out all the kinks,” Marlene said.

The Banwarts employ 14 workers, all of whom work part time.

“They work whenever they want to, about five people a day, five days a week,” Ken said.

There are also six other members of the Banwart family who pitch in: Rick, 16, Kendra, 14, LaRae, 12, Twila, 10, Wes, 8 and Trent, 5.

Their parents expect that the kids will make summer jobs out of working for them, and in addition, expect to hire some other high school and college students.

Country Maid may grow larger, but it will probably continue to remain located at the Banwart home.

“We had looked in town, and there really didn’t seem to be a spot,” Marlene said.

Plus, she said, she enjoys being home when the children are home.

“I do feel that I’m here if they need me. I might be out there, but they can find me,” Marlene said.

“And the overhead is so much less out here,” Ken said. “Who knows? I envision our next step would be to add on here. But maybe some building will open up that will look better.”

Marlene said another advantage to keeping their business at home is that Ken spends more time at home.

“We work well together,” he said.

So far, all the Banwarts’ efforts have been self-financed.

“For our next step, there might be some financing available,” Ken said. “But what we’ve made, we’ve put back in the business, and we haven’t had to borrow yet.”

They have, however, received free advice from Director Clark Marshall and the Small Business Development Center in Spencer.

“They really helped us get going on this,” Ken said.

How to reduce medical costs

In an era of high medical costs, it pays to watch how you spend your healthcare dollars. The average family spends $2,321 annually for medical care, either for insurance premiums or out-of-pocket expenses.

According to Families USA Foundation, a nonprofit Washington consumer group, healthcare experts say most families can shave their annual expenses if they are smart medical consumers.

“Don’t wait for anyone else to help you cut your healthcare costs - not doctors, not hospitals, not the government,” said Matthew Lesko, author of “What To Do When You Can’t Afford Health Care,” a book that lists national and state resources providing free treatment and research on illnesses. “The typical experts can’t keep up with what’s out there. So, the individual has to take responsibility for their own health and medical costs.”

For most families, a good starting point is to study the health insurance they plan to buy or have bought. For example, when patients consider participating in a managed care plan - such as a Health Maintenance Organization (HMO) - they should call local hospitals’ billing divisions to find out how quickly the insurer settles claims. Why? If an HMO tends to drag its feet, the patient may end up paying bills out-of-pocket. The information also gives the patient an idea of whether the company consistently contests claims.

If you have joined an insurance plan, learn what procedures you must go through to guarantee coverage. And then, play by the rules. If you don’t, your claim may get lost in red tape and bureaucracy. For example, many managed care plans require patients to get prior approval from their doctor before going to the emergency room unless it’s a life-threatening situation. Not getting that approval may leave you stuck with the bill.

If you plan to pay cash, ask for a discount. If possible, make the medical professionals tell you up front what the cost will be. “Ask for the price ahead of time,” said Lesko. “It’s important because it allows you to plan and budget, especially if you carry a high deductible on your insurance.”

Don’t pay for your medical services too quickly. Wait until all insurance claims have been filed and resolved before putting any money toward a bill. Often, statements - not bills - go out to consumers to notify them of the progress.

If an insurer refuses to pay a claim, appeal the decision. In about half of contested cases, insurers will rescind their original rulings. That means consumers end up paying less. Patients should also ask for an itemized bill for services if they suspect the cost is too high. The bill will be very difficult to read because of the medical coding and lingo, but patients can review the bill with hospital administrators.

For people without health insurance or those paying high out-of-pocket expenses, take advantage of the numerous programs and efforts sponsored by medical societies, charitable groups and local hospitals. If you’re uninsured, many hospitals offer free mammograms and prostate cancer screenings. Nationally, public health departments offer free or reduced childhood immunizations.

Do your homework. If you’re sick, you need to study your illness, including medication and treatment options. The best way to reduce medical costs is to take care of yourself, avoiding health risks such as smoking, obesity, poor diet and stress. If you take responsibility for your lifestyle, you’ll cut your costs in the long run.

How to select a management consultant

Companies no longer should consider hiring it management consultants an option - consultants have now become a necessity. To reflect that every other major corporation in North America and Europe is currently using consultants at the corporate level implies something akin to a necessary condition, that the advice and counsel from consultants have become essentials, not luxuries.

Consultants generally eschew loud checked suits and a flamboyant manner for pinstripes. But their qualifications and expertise may be insubstantial and the damage they inflict can exceed a dent in the self-confidence of the gullible.

To help distinguish between hype and competence, the Institute of Certified Management Consultants of Canada has established a stringent code of conduct for its members aimed at protecting the public in general and the clients of management consultancies in particular.

Management consultants are hired for a variety of reasons, but most often it’s to provide an outsider’s objectivity, high-level skills that will allow client organizations to concentrate on day-to-day operations, a breadth of relevant experience, and expertise in a specific area that might be needed for only a short period.

The first step for a company in selecting a management consultant is to identify the problem, issue or opportunity, and decide what needs to be accomplished. An informed client will define the problem clearly, make a commitment for change, establish timing preferences and identify budgetary constraints.

Next, but no less important, is identifying consulting firms or individuals competent to deal with the problems. This can be done through business associates’ recommendations, directories published by boards of trade or chambers of commerce, or the institute’s annual list of recognized consultants.

Skill and competence, relevant industry experience and availability should be major considerations in selecting a consultant. If additional information is required, short-listed candidates should be invited to submit their credentials for review, or provide promotional brochures describing practice areas and professional competence.

In those instances where more than one consulting firm appears suitable, it might be appropriate to ask each to submit managed services best practices. These are generally prepared without cost or obligation to the client, but because of the time and effort involved, clients should be prepared to meet with consultants who comply with such requests.

In evaluating proposals, a number of considerations must be taken into account:

- Approach. Do the approach and methodology demonstrate an understanding of the situation?

- Experience. Does the experience of the individual who will perform the work match the requirements of the task?

- Transfer of skills. Where appropriate, is there an effective plan to transfer special skills to the client’s staff?

- Compatibility. Will the consultant’s style and manner work well within the organization? Will management be comfortable working with the consultant?

- Value/price. Since the consultant is offering both ideas and expertise, the value provided must be weighed, not just the price.