Business & Economy
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!

 
Should You Change Investment Strategies PDF Print E-mail
News Releases - Business & Economy
Written by Ginny Grimsley   
Monday, 25 August 2014 13:52

Should You Change Investment Strategies Because of Unrest in Ukraine, Iraq and Israel?
Advisors To The Affluent Offer Tips for People Concerned About World Events

The summer’s headlines grew increasingly shocking:

• Malaysia Airlines Passenger Jet Shot Down Over Ukraine

• Israel Steps Up Airstrikes as Gaza Buries Dead

• U.S. Warplanes Strike ISIS in Iraq

The violence and instability, along with worries about the Federal Reserve ending its market-bolstering stimulus and raising interest rates, precipitated a negative return in July for the Dow Jones Industrial average, the first decline in 2014. Should you be taking steps to protect your portfolio?

If the recent geopolitical events have made you uneasy about the possible effects on your portfolio, now might be a good time to evaluate the real risks you are taking, says wealth management expert Chris Snyder, co-founder with Haitham “Hutch” Ashoo of Pillar Wealth Management, LLC, www.pillarwm.com. (Get their white paper, Intelligent Investing: Making Smart Investing Decisions In Today’s Volatile Market, at the website.)

“You have to allocate your assets to avoid Undue Risk which will help protect your portfolio through  the inevitable wars, natural disasters, recessions and depressions that will occur,” Ashoo says.  “That’s right – not if, will. A well-diversified portfolio provides peace of mind.”

Snyder and Ashoo offer these tips for weathering today’s troubles – and those to come in the years ahead:

•  Ensure your portfolio is diversified.
Modern Portfolio Theory, developed by Nobel Prize-winner Harry Markowitz, tells us that 90 percent of the return in your portfolio is based on the allocation of stocks, bonds and cash, Snyder says.

“The percentages you allocate between these asset classes is far more important than timing the market or chasing around for the best manager, hedge fund, gold/commodities, dividend paying stocks or whatever Wall Street’s next pitch is,” he says.

•  Steer clear of active portfolio management.
Trying to outperform the markets involves active trading, which can have great impacts on your portfolio’s net return. With active management normally comes high management fees and high portfolio turnover, which lead to higher taxes and transaction costs, potentially leaving Wall Street and the IRS the biggest winners!

“World-class investment management must rise above the noise from Wall Street and day to day news headline,” Ashoo says.

• Never make financial decisions based on emotion.

Individual investors tend to buy and sell based on the emotions: greed and fear. When the markets are up, they tend to buy, hoping to catch a piece of the rise, yet when markets are losing, fear sets in and investors sell. Investing with emotion often leaves investors wondering why they are overweight in growth investments before a market drop and subsequently why they were out of the market when it recovered.

“Be sure that you and your investment advisers are qualified to understand and test the volatility and risk consequences your portfolio faces before the next big bad event happens ” Snyder says.

About Chris Snyder and Haitham “Hutch” Ashoo

Chris Snyder and Haitham “Hutch” Ashoo are co-founders of Pillar Wealth Management LLC, (www.pillarwm.com), of Walnut Creek, Calif., specializing in customized wealth management advice to affluent families. Their unique five-step consultative process for new clients ensures they have a deep understanding of clients’ goals. With a combined 51 years of experience, they are the authors of numerous published works, have addressed thousands of investors nationwide, and have been interviewed on radio shows across the country.

 
Will Your Kids Inherit Your Debt? PDF Print E-mail
News Releases - Business & Economy
Written by Jason Alderman   
Monday, 25 August 2014 13:34

Many people finally get around to writing a will in order to safeguard their assets for their heirs. But what if you've got the opposite problem: Your nest egg was decimated by the recession, bad investments or simply living longer than expected and now you've got a mountain of bills you can't pay off.

Will your kids inherit your debts after you die?

The short answer is, not in most cases. But there are situations where someone could be legally responsible for paying off your bills after death. Plus, aggressive creditors have been known to coerce heirs into paying off debts for which they're not responsible, just to be left alone.

If you're afraid that your financial legacy will be a heap of unpaid bills, here's what you need to know and prepare for:

In general, children aren't responsible for paying off their parents' unsecured debts – things like credit cards, personal loans and medical bills, which aren't collateralized by physical property. If there's not enough money in the estate to pay off those bills, creditors will have to write them off.

There are several exceptions, however:

  • If your child, spouse or other acquaintance is a cosigner on a credit card or loan (e.g., mortgage, car, personal loan), they share equal responsibility for paying it off. This is why you should always think twice before cosigning anyone's loan.
  • If someone is a joint account holder – that is, their income and credit history were used to help obtain the loan or credit card – they're generally responsible to pay off the balance.
  • Widows and widowers are responsible for their deceased spouse's debts if they live in a community property state.

Note that authorized users on your credit cards aren't liable for repayment since they didn't originally apply for the credit. Chances are they were simply "piggybacking" on your credit record to help build their own. However, to protect authorized users from being bothered by creditors after your death, you may want to remove them from your accounts.

If you have outstanding secured debts upon death, such as a mortgage or car loan, your estate must pay them off or the creditor can seize the underlying asset. For example, if you were planning to leave your house to your kids, they'll need to either pay off or continue making payments on any outstanding mortgage, property taxes and insurance, or risk foreclosure.

Depending on your state's laws, there are a few types of assets, like life insurance proceeds and retirement benefits, which you can pass along to beneficiaries that generally won't be subject to probate or taxation and thus may be safe from creditors.

Just be aware that if you name your estate as beneficiary for an insurance policy or retirement account, creditors can come after the money to pay off your debts. Thus, it's usually wise to name specific individuals as beneficiaries – and back-up beneficiaries, in case they die first. Also, if your beneficiary is a cosigner on any of your debts, creditors can pursue him or her for any balances owed.

Check with a probate attorney or legal clinic familiar with your state's inheritance and tax laws. Free or low-cost legal assistance is often available for lower-income people.

Bottom line: If you expect to leave unpaid debts after you die, alert your family now, so that together you can plan a course of action. You don't want to blindside your loved ones in the midst of their grief.

 
“UnFair: Exposing the IRS” - Documentary Event Coming To Select U.S. Cinemas on October 14 PDF Print E-mail
News Releases - Business & Economy
Written by Fathom Events   
Monday, 25 August 2014 09:14
Fathom Events and Gadsden Films are set bring the IRS debate to 650+ select cinemas nationwide with “UnFair: Exposing the IRS” on Tuesday, October 14, at 7:00 p.m. local time.  “UnFair: Exposing the IRS,” written and produced by nationally syndicated radio show host Craig Bergman, is a feature-length documentary investigating the alleged cover-ups and abuses of power at the Internal Revenue Service. The film’s executive producer is John Sullivan, the co-director of the hit films “America” and “2016.” The film features Gov. Mike Huckabee, Glenn Beck, Ted Cruz, Michele Bachmann, David Barton, Grover Norquist, Louie Gohmert, John Linder, Carla Howell, Brian Brown and many more. The film will be followed by a 30-minute panel discussion with leading political experts in front of a live studio audience, hosted by Gov. Huckabee.
Tickets are available now at participating theater box offices and online at www.FathomEvents.com.
“UnFair: Exposing the IRS” will be presented in the following local cinemas on Tues., Oct. 14 (or a complete list of theater locations and prices, click here):
Cinemark Davenport 18 with IMAX 3601 E 53Rd St Davenport IA 52807

 
PR Network of the Quad Cities announces 2014-2015 officers PDF Print E-mail
News Releases - Business & Economy
Written by Amy Tiffany   
Friday, 22 August 2014 15:40

Rock Island, Ill. (August 22, 2014) – PR Network of the Quad Cities, a local organization for public relations professionals of the Quad Cities, has announced its officers for the 2014-2015 year.

Nine new members join the board of 13 communications and marketing professionals from across the Quad Cities. The 2014-2015 officers include:

  • President − Monica Wolfe, MindFire Communications
  • Vice President − Diane Koster, Community Foundation of the Great River Bend
  • Secretary − Lindsey Lobur, iWireless Center
  • Treasurer − Tiffany Stott, Edwards Creative
  • Membership Director − Erin Wyant, Russell Construction
  • Student Membership Director − Rachel Parkin, Saint Ambrose University Student
  • Special Event Forum Director − Jillian McCleary, Quad Cities Chamber of Commerce
  • Communication Director − Amy Tiffany, MindFire Communications
  • Publicity Director − Joscelyn Stone, Bethany for Children and Families
  • Programming Director − Ronna Walker-Johnson, Media Link, Inc.
  • Half-Day Workshop Director − Amy Kolner, Integrity Integrated
  • Webmaster − Doug Tschopp, Augustana College
  • At-Large − Jenny Parvin, United Way of the Quad Cities

“PR Network of the Quad Cities is the go-to organization in the Quad Cities for PR, marketing and communications professionals, and we’re excited to welcome the new officers,” said Monica Wolfe, who is entering her second year as president.

PR Network of the Quad Cities holds monthly educational luncheons, a Half Day Workshop in April, and other networking opportunities throughout the year as well as includes benefits for local college students.

The first luncheon of the year will take place on Thursday, September 18. A case study on the “Trauma Care Consortium now what? Campaign: Targeting Your Audience and Implementing Measurements” will be discussed featuring speakers Amy Jones, Community Health Care and Angie Kendall, Child Abuse Council.

For event details and to RSVP, please visit http://www.prnetworkqc.org/events.php.

For more information about the PR Network of the Quad Cities and to learn about membership opportunities, visit http://www.prnetworkqc.org/ or www.facebook.com/PRNetworkQC.

About PR Network of the Quad Cities

PR Network of the Quad Cities, Inc. provides professional development, networking, and educational opportunities to individuals interested in the marketing/public relations/communications field.

 
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