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  • Business & Economy
    4 Essentials Your Financial Advisor Should Have PDF Print E-mail
    News Releases - Business & Economy
    Written by Ginny Grimsley   
    Friday, 29 August 2014 15:05
    The Client-Advisor Relationship Must NOT Be Overlooked, Says Industry Veteran

    Shocking stats continue to make news regarding America’s preparedness for retirement, including the fact that one of five citizens near retirement age have zero money put away for the golden years, according to statistics recently released from the Federal Reserve.

    About 20 percent of pre-retirees have nothing stocked away, and 31 percent of the total population also has no money for retirement.

    “This issue is making news regularly, and financial planning for retirement advertisements have spiked in recent years, in case you haven’t noticed,” says Rodger Alan Friedman, author of “Forging Bonds of Steel,” (www.forgingbondsofsteel.com/).

    “If nothing else, I hope the increased focus is lighting a fire under those who are near retirement, and I hope future generations are taking notes.”

    Just as the average person needs to get real with their own finances, advisors also need to get real with their clients. That means having several traits, says Friedman, who reviews them.

    •  Competence: When advisors are unsure of themselves, it comes through. When presented with a set of facts, new advisors may not recognize what they are dealing with, or its importance. A seasoned advisor, on the other hand, has dealt with many clients with numerous problems several times over and knows what it takes to solve a problem. That’s why I feel that an experienced financial advisor is the best answer for someone in need of retirement income and financial planning. Also, financial advisors should be very well-read, with self-imposed reading requirements. Learning new ideas and revisiting old ones keeps veteran advisors fresh.

    •  Empathy: What is a client going through? Advisors must have their antennae up. Tears, anger, regrets and frustration are often bound with a person’s finances, and “I have met very few 22-year-olds who can fully understand the struggles, worries and dreams most people experience throughout a lifetime,” he says. Advisors have to develop an approach that helps clients feel comfortable in discussing difficult matters. The client needs to understand that the advisor truly cares and is not there merely for a transaction.

    •  Ability to listen: “ ‘You have to have two ears and one mouth,’ my mother used to say; she made it clear that I should be listening twice as much as I was talking, and that advice has served me well in my life and career,” Friedman says. Clients come to an advisor for professional expertise, but they don’t want to be lectured. Advisors have to first listen to clients – their problems, needs and hopes – before offering a professional response. The conversation should flow easily both ways as an advisor and client get to the heart of matters in an atmosphere of mutual respect.

    •  Perspective & insight: Perspective and insight are like twins: wherever there is one, the other is not far behind. Planners gain perspective and insight through thousands of hours of listening, collaborating, advising and acting as a steward of the financial assets and dreams of the families they serve. You know when you’re in the presence of these “twins;” it is often said that people with both see with their intellect – they possess vision. Clients should keep their antennae up for these traits when meeting a prospective advisor. Pay attention to how he or she may, as if without effort, intelligently guide the two-way conversation.

    About Rodger Alan Friedman

    Rodger Alan Friedman grew up working in his family’s New York City laundry, where he learned a strong work ethic – and about the type of work he didn’t want to do. After earning a degree in political science, he became a real-estate agent trainee, then performed compliance audits for a large Wall Street brokerage firm, eventually became a stock broker, and then financial advisor and wealth management professional. Friedman’s passion persists today while advising affluent retirees and near-retirees in structuring their planning and investments for the next phase of their lives. He is a managing director, founding partner and wealth manager at Steward Partners Global Advisory in the Washington metropolitan area.

    Opinions expressed are those of Rodger Friedman and not necessarily those of RJFS or Raymond James. All opinions are as of this date are of subject to change without notice.

    Rodger Friedman is a Wealth Manager and offers securities through Raymond James Financial Services, Inc. Member FINRA/SIPC. Rodger Friedman can be contacted at 855-414-3140, and via email Rodger.Friedman@StewardPartners.com.

     
    Real Talk Training PDF Print E-mail
    News Releases - Business & Economy
    Written by Kate McGovern   
    Thursday, 28 August 2014 12:23

    Davenport, IA September
    12 or 13, 2014 — Real Talk Training (RTT) is a one day seminar training leaders to use professional coaching techniques to transform their everyday communications. RTT is an interactive learning experience using demonstration, practice and constructive feedback to equip leaders to be more effective communicators. This training has been offered globally to churches, major corporations and nonprofit organizations with outstanding results. Train under professional coaches to learn how to take your relationships to the next level through REAL communication. Don’t miss this opportunity to unlock sustainable change in your relationships through REAL conversation! You will learn to:
    ● Avoid the number one killer of authentic communication
    ● Jumpstart a significant conversation with anyone
    ● Listen for heartlevel meaning
    ● Ask questions to open others up
    ● Solve problems permanently by not giving advice
    ● Get a response instead of a reaction

    Presented by Kate McGovern is a Certified Growth Coach and Real Talk Presenter. Kate is passionate about restoring believers to a place of freedom as a children of God through physical, emotional, and spiritual healing. When she is not coaching, Kate is hosting a TBN news show, leading women’s Bible studies and prayer groups, tending her garden, travelling or spending time with her husband Tom and their four children (and spouses!) and nine grandchildren.

    Jennie Turton is a Certified Coach Trainer, Certified Professional Coach and Real Talk Presenter. Jennie is committed to seeing herself and the body of Christ live the abundant lives promised by God. When she is not training coaches or coaching the coaches she trains, Jennie is visiting her large extended family, travelling internationally, ballroom dancing or enjoying the outdoors with her husband Valentin.

    Event details ❏
    What: Real Talk Training
    ❏ When: Friday, September 12 or Saturday, September 13, 2014 9am4pm
    (Coffee and snacks will be
    provided. Participants will be dismissed for lunch.)
    ❏ Where: Quad Cities Prayer Center, 320 West Kimberly Rd., Davenport, Iowa 52807 (in North Park Mall
    next to Sears)
    ❏ Who: Age 15 and up
    ❏ Cost: $45/person
    ❏ Registration: Online at: https://christianlifecoachnow.com/davenport/
    ❏ Contact: Kate McGovern: (309) 2368718
    Invigorate

     
    Why Has There Never Been an Unemployment-Themed Reality TV Show? PDF Print E-mail
    News Releases - Business & Economy
    Written by Ginny Grimsley   
    Wednesday, 27 August 2014 08:47
    With the Right Help, the Whole Cast Could be Winners,
    Says Employment Strategist

    After perusing the many niches of reality TV -- well-to-do housewives in multiple major cities, the rugged Alaska lifestyle, and working the dirtiest jobs known to man -- employment strategist Richard B. Alman wonders why we haven’t seen a show about a popular and compelling subject: long-term unemployment.

    While unemployment has seen an impressive two-year decline and currently hovers near 6.2 percent, according to the Bureau of Labor Statistics, there is no reliable data for the long-term unemployed – those who’ve been jobless for 27 weeks or more – and for the underemployed.

    “Recent college grads, who are typically saddled with student debt, still struggle to find terra firma in the professional world, and there’s a large blind spot for older unemployed workers, who may have gone back to school or taken a lesser job for which they’re overqualified, or they’re still searching,” says Alman, principal of Recruiter Media, owner of www.RecruiterNetworks.com, the world's largest owner/operator of career websites.

    “Drama, struggle, learning moments and, yes, hope – that’s what you’d get with an un- and underemployment-themed reality TV show.”

    Alman reviews how the first season might play out.

    •  Week 1: Job-seekers are happy to have a gig. Since reality show participants are paid, all are happy for this opportunity. Newly graduated college students are grateful to have a place to crash for several weeks with Wi-Fi and other free amenities, and love interests begin to develop. Older professionals, however, will have mortgages and families; for them, the show is a business trip. Underemployed job-seekers tell their stories of working long hours in unfulfilling positions.

    •  Week 2: Putting the reality into “reality TV.” “Un- and underemployment touches nearly everyone; we all know someone without enough work,” Alman says. While reality includes fortuitous wealth and fame for a few, it also includes tough times for many. The second week would feature job-seekers sticking to old methods of searching that have not worked in the past and continue to fail them.

    •  Week 3: The reveal – participants find out it’s a competition. While the cameras have sparked renewed vigor in their individual searches – a few participants may have even tried some wildly unconventional tactics – the group has had relatively little success. Producers reveal that it’s not just a reality show about job-seekers, it’s a competition. The group is separated into two teams. Participants from the winning team get legitimate interviews with Fortune 500 companies.

    •  Week 4: Job-seekers gain important tips. No matter how much experience, talent, youth or beauty they have, job-seekers still make mistakes with their strategies. While a well-written cover letter, an impressive education and a great resume certainly help – they’re not everything. Professionals give participants tips for staying relevant in today’s market, including the importance of doing volunteer work, preferably in roles that match their talents and training.

    “I really cannot overemphasize this tip enough. Volunteering is probably the best way for the long-term unemployed to demonstrate their abilities, initiative and effectiveness in a marketplace that hasn’t given you enough of a chance,” Alman says. “It builds new skills, introduces you to a new network of potential employers, and adds recent experience to your resume.”

    •  Final week: All are on their way to gainful employment. After several weeks, most of the participants have made significant progress in landing career positions. While the winning team gains a great opportunity with a guaranteed, high-quality interview, there are no losers on this show. And, those who’ve made an excellent impression on the program are sure to gain additional opportunities.

    About Richard B. Alman

    Richard B. Alman is the principal and chief career/employment strategist of Recruiter Media Inc., the world's largest owner/operator of career websites, offering recruiters, employers and job seekers a smarter alternative to the impersonal, less-specific “universal” employment websites. The only national, city-specific job board on the planet for more than a decade, www.RecruiterNetworks.com serves more than 1,000 U.S. cities with their own unique career websites. Alman has worked in all aspects of recruiting and career/employment strategies with corporations such as General Motors and UBS and privately owned multi-national companies.

     
    Governor Quinn Signs Law to Stop Discrimination Against Pregnant Women in the Workplace PDF Print E-mail
    News Releases - Business & Economy
    Written by Katie Hickey   
    Wednesday, 27 August 2014 08:45

    Governor Signs Landmark Legislation on Women’s Equality Day to Guarantee Women the Right to be Both Mothers and Employees

    CHICAGO – Governor Pat Quinn today announced he has signed a landmark new law that will fight the widespread but often overlooked practice of discrimination against pregnant women in the workplace. The law provides job protections for pregnant women and requires that reasonable accommodations be made in the workplace so expectant mothers can continue working without fear for their health or the health of their child. Today’s action is part of Governor Quinn’s agenda to ensuring full equality for women in Illinois.

    “Women should not have to choose between being a mother and having a job,” Governor Quinn said. “This new law will provide important protections and accommodations for working mothers-to-be so that they can continue to provide for their family without risking their health or the health of their child.  These common-sense accommodations will provide peace of mind, safety and opportunity for moms-to-be and also help strengthen our workforce across the state.”

    “This bill is simply common sense,” Director of Equal Opportunity at Women Employed Melissa Josephs said. “A woman should not have to choose between a healthy pregnancy and supporting her family. Many people thought that this was already the law. Now, fortunately, they’re right.”

    House Bill 8, sponsored by State Representative Mary Flowers (D-Chicago) and State Senator Toi Hutchinson (D-Chicago Heights), provides pregnant women with important worker protections such as limits on heavy lifting and assistance in manual labor; access to places to sit; more frequent bathroom breaks; time off to recover from childbirth; and break space for breast-feeding.

    Studies have shown that, despite existing protections, pregnant women are too often forced out of their jobs and denied reasonable job modifications that would enable them to continue working. The Governor worked tirelessly with the bill’s sponsors to pass the legislation in the Illinois General Assembly. The new law takes effect Jan. 1, 2015.

    “Every woman deserves to be respected and protected, and no woman should have to hide her pregnancy for fear of losing her job because she is pregnant,” Representative Flowers said. ”No woman should have to choose between losing her baby and or losing her job because the employer failed to make reasonable accommodations. Many of these women are disproportionately low income and single parents in need of their jobs. House Bill 8 creates a broad responsibility for employers to reasonably accommodate pregnant employees, which is no different than any other accommodations being made for anyone else with a health issue.”

    “Continuing to work during pregnancy, along with a quick return to work afterward, is very important for working mothers and their families,” Senator Hutchinson said. “The reality is that for many Illinois families, women are the primary breadwinners and they should never have to choose between the ability to continue to provide for their families and a healthy pregnancy.”

    Since the last time pregnancy workforce protections were addressed at the federal level in 1978, the number of women who work during pregnancy has continued to rise at a high rate. According to a report issued in 2013 by the National Women’s Law Center, nearly two-thirds of first-time mothers continue to work while pregnant and the majority of those work into their last month of pregnancy. Unfortunately, as the number of pregnant women working has increased so have the number of pregnancy discrimination cases filed. A study by the U.S. Equal Employment Opportunity Commission shows that, from 1992 to 2011, charges of pregnancy discrimination filed increased 71 percent.

    “This legislation is especially important for low-income workers, who typically have the most physically demanding jobs and are least likely to have access to maternity leave and sick time,” Wendy Pollack, director of the Women’s Law and Policy Project at the Sargent Shriver National Center on Poverty Law, said. “Women can’t afford to lose their jobs, along with their income, seniority, and their employer-provided health insurance, or put their pregnancies at risk, due to the denial of a reasonable accommodation.”

    The Governor also today signed House Bill 5563, sponsored by State Representative Kelly Burke (D-Evergreen Park) and State Senator Iris Martinez (D-Chicago), to amend the Equal Pay Act to centralize all complaints and investigations of women workers who fail to receive equal pay for equal work because of their gender. The new law allows the Illinois Department of Labor to refer complaints of alleged violations of the Equal Pay Act to the Illinois Department of Human Rights to help avoid confusion and centralize discrimination investigations. House Bill 5563 goes into effect on Jan. 1, 2015.

    Illinois’ Equal Pay Act prohibits employers with four or more employees from paying unequal wages to men and women doing the same or substantially similar work, requiring equal skill, effort, responsibility and under similar working conditions. The law protects both men and women, and any individual who files an equal pay complaint is protected under the Act from harassment or retaliation. If an employer is found guilty of pay discrimination, they will be required to make up the wage difference to the employee and may be subject to pay legal costs and civil fines of up to $2,500 per violation.

    According to the Bureau of Labor Statistics, Illinois women still earn just 78 cents of every dollar earned by Illinois men based on the median weekly earnings of full-time workers. The law was enacted to help close the wage gap between men and women. Since its implementation the law has successfully recovered hundreds of thousands of dollars in back wages for women who were paid less than their male co-workers for doing the same work, which is prohibited under the Act.

    Governor Quinn has been committed to protecting and empowering women in Illinois since taking office.  Last month, the Governor signed legislation to include a referendum asking voters if Illinois health insurance plans should be required to cover prescription birth control on the November 4 General Election ballot, following the U.S. Supreme Court’s Hobby Lobby decision.

    In his 2014 State of the State address, the Governor launched the innovative Birth to Five Initiative to expand access to prenatal care, early care and learning opportunities for every child. He also proposed a minimum of two days of earned sick leave per year for 2.5 million Illinois workers, 78 percent of whom are women, who have no sick leave.

    He fought for and signed a law amending the Equal Pay Act to give victims of underpayment more time to address their claims. In 2013, Governor Quinn launched the first ever Women Owned Business Symposium to support the growth of women-owned businesses across Illinois.

    The Governor is also leading the charge to increase the state’s minimum wage to at least $10 per hour – six in ten minimum wage workers in Illinois are female.

    ###

     
    Isabel Bloom LeClaire - Grand Opening and Ribbon Cutting! 8/29-8/30 PDF Print E-mail
    News Releases - Business & Economy
    Written by LeClaire Chamber   
    Tuesday, 26 August 2014 08:36
    Isabel Bloom LeClaire Showroom Grand Opening and Ribbon Cutting
    Friday-Saturday, August 29-30
    10am-5pm.
    Grand Opening kicked off with LeClaire Chamber of Commerce Ribbon Cutting
    at 12:30pm on Friday, August 29th
    Donna will be signing any sculptures purchased Friday from 12-4pm.
    Finishers demonstrating from 12-4pm on Friday and Saturday.
    Receive Free tote bag with every purchase while supplies last.
    There will be refreshments, drawings throughout the day, and balloons for the kids.
    Everyone Welcome!

     
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