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EXCHANGE STRENGTHENS AMERICA’S FAMILIES PDF Print E-mail
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Written by Dave Fairweather   
Tuesday, 06 November 2012 14:25

The Exchange Club of the Quad Cities passed out free flags at this year’s Boo at the Zoo event at Niabi Zoo on October 27. The Exchange Club handed out more than 1600 flags to the trick-or-treaters who came to the zoo for an early Halloween celebration on the chilly Saturday morning. The Exchange Club partnered with the Child Abuse Council of the Quad Cities to make sure all the little goblins received their very own American flag.

Established as a national Exchange project in 1981, GiveAKidAFlagToWave helps young Americans cultivate a deeper sense of patriotism and to heighten young American’s and appreciation for our country’s flag.

Background

The National Exchange Club, headquartered in Toledo, Ohio, is an all-volunteer, national service organization for men and women who want to serve their community, develop leadership skills and enjoy new friendships. Exchange has over 21,000 members throughout the United States and Puerto Rico.

The Exchange Club mission is to work together to make our communities better places to live through child abuse prevention, community service, service to youth, and promotion of Americanism.

The Exchange Club of Quad Cities is a local chapter of the national organization. The club meets on the first and third Thursday of each month at The Windmill Restaurant in East Moline, Illinois. Social time begins at 6:00 PM with dinner following at 6:30 PM. Guests are always welcome to attend any meeting. For membership information, call Bob Dixon at 797-5705.

Exchange Give A Kid A Flag To Wave 2012.tif

 
Davenport Area Schools Join Mediacom’s “Shoes That Fit” Campaign PDF Print E-mail
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Written by Alexandra Swanson   
Tuesday, 06 November 2012 13:39

Public Encouraged to Help Meet Clothing Needs of Local Children

Davenport, Iowa – November 6, 2012 – School age children from 14 Davenport area elementary schools will benefit this year from the annual “Shoes That Fit” campaign that supplies need-specific shoes and clothing to local elementary school students. The non-profit community outreach program is led by Mediacom, along with Davenport area business partners Mimzi Art and Frame and Deere Harvester Credit Union.

The purpose of Shoes That Fit is to fulfill specific shoe and clothing needs, matched to individual children identified by school liaisons.  The donations of new shoes, boots, coats or other clothing are often the only genuinely “new” items available to children whose needs have been confidentially assessed. (School partners list below)

“The program is about more than shoes,” says Mediacom’s Jim Stoos who is vice president for the company’s OnMedia advertising division.  “In many classrooms, teachers will see a child with only one set of clothes and a pair of worn out shoes to wear to school every day.  This affects a child’s self-esteem, and it means that learning takes a back seat to embarrassment,” said Stoos.

“Thanks to Mimzi Art and Frame and Deere Harvester Credit Union, we can help local children feel good about themselves and feel good about being in school. Additionally, people who donate the shoes and clothes to make this program a success will feel especially good about giving tangible assistance to meet the needs of local children,” Stoos added.

The local business sponsors provide locations where community members can pick up Shoes That Fit donation cards.  Donor cards describe the needed items and the specificity of the child’s gender and size.  Individual donors shop for the items and return them, unwrapped, to the business sponsor. Mediacom’s OnMedia team ensures prompt delivery to the students through the school liaison.  Only new shoes and clothing can be accepted.

The program is underway now through December 1. School partners encourage donors to shop for and return items as soon as possible, especially to get ahead of winter weather and the need for boots and coats.

OnMedia is the cable television advertising division of Mediacom.  Local OnMedia employees have coordinated the Shoes That Fit campaign for the past 11 years. Throughout that time they have partnered with more than 50 elementary schools in Des Moines, Newton, Marshalltown and Ames and have donated more than 73,000 Shoes That Fit items to elementary school children in need.  For more information on Shoes That Fit visit www.shoesthatfit.org.

 

Davenport Area Business Partner Locations for Donor Cards and Shoes That Fit Drop-off

 

Mimzi Art and Frame - 3825 16th Street, Moline, IL 61265

Deere Harvester Credit Union - 5354 Elmore Circle, Davenport, IA 52807

Deere Harvester Credit Union -1090 South Congress Street, Geneseo, IL 61254

Deere Harvester Credit Union -1101 13th Avenue, East Moline, IL 61244

 

Local Elementary Schools where students benefit from Shoes That Fit

·         Fillmore Elementary

·         Jefferson Edison Elementary

·         Madison Elementary

·         Monroe Elementary

·         Riverdale Heights Elementary (Bettendorf)

·         Washington Elementary

·         Wilson Elementary

·         Bridgeview School Elementary (Pleasant Valley)

·         Jackson Schools

·         Buchanan Elementary

·         Marquette Academy

·         McKinley Elementary

·         Children’s Village

·         Hayes School Elementary

 
E-Commerce Businesses Stand to Lose More Without Asset Protection PDF Print E-mail
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Written by Ginny Grimsley   
Tuesday, 06 November 2012 13:34
By: Hillel Presser

What differentiates commerce businesses from traditional businesses when it comes to asset protection?

Potentially more assets in need of protecting.

Both types of business owners have assets such as homes, cars and bank accounts that need protection in the event of a lawsuit – whether it’s a personal suit or one targeting the business. E-commerce businesses may need more financial protection to cover their wealth of intangible assets, including domain names, website content, intellectual property, trademarks and patents. Additionally, an e-commerce business may prove to be more of a lawsuit liabilitybecause it’s vulnerable not only in the state where the storefront or warehouse is located, but essentially everywhere substantial connections are made, including internationally. In that sense, theneed to create, maintain and regularly update an asset protection plan becomes more urgent.

To legally shield wealth from lawsuits and other potential threats, including divorce, business owners of all types should have an asset protection plan. This multi-layered strategy involves a range of techniques to title assets such as homes, savings and property (tangible and intangible) in the event that a claim is brought against the business or owner. It’s not a guarantee that the protected person will avoid lawsuits or other financial calamities, but it can guarantee they’ll lose fewer assets if the worstdoes happen.

I advise clients to work with an attorney to create a plan that’s the best fit for their specific financial situation. Clients should: 1) educate themselves, 2) inventory their wealth, 3) assess their liabilities, 4) decide the best asset protection tactic or strategy to use with each asset inventoried, and 5) execute the plan.

• Educate yourself. Clients should understand what’s going on when theirattorney is creating theirplan, how it relates to their life, and what changes will trigger the need for an update. They should learn what they can and can’t transfer as well as whothey should and shouldn’t transfer assets to, even temporarily. For instance, if they “gift” a home to their children shortly after or in proximity to a civil claim filed against them, in the event of a judgment that gift may be looked upon as a fraudulent transfer. It could be reversed, making their home susceptible to the creditor judgment. Education is key to maintaining long-term asset protection.The Presser Law Firm, P.A. offers complimentary books on asset protection and an asset protection worksheet at www.AssetProtectionAttorneys.com; submit a request in the contact form.

• Inventory your wealth. They should include both tangible and intangible financial recourses. Tangible assets include but are not limited to: their home, real estate, bank accounts, vehicles, boats, etc. Intangible assets include but are not limited to: patents, copyrights, franchises, goodwill, trademarks, domain names and trade names, etc.

• Assess your liabilities, present and future. Some present liabilities could include current creditors (whether or not they have claims against the client), personal guarantees on home or business loans, and the client’s marital status as well as longevity of your marriage. Future liabilities include unexpected potential financial risks. A failing business in an economy downturn is a good example.Surely many businesses didn’t contemplate their demise in the financial and economic crash of 2008. Those owners without anasset protection plan in place prior to 2008 were out of luck when their life savings, homes, real estate and other wealthy were jeopardized by creditor lawsuits. The best advice fore-commerce business owners is to be proactive – the threat of a suit can bring a business to its knees and the best way to protect themselvesis to practice financial self-defense and lawsuit-proof their assets.

• Decide whether or not to re-title their assets, what entity formations to use, and whether equity stripping is appropriate for assets still inadequately protected. Only non-exempt assets need to be re-titled. Exempt assets are those that cannot be seized in the event of a judgment. All non-exempt assets should be re-titled as exempt assets and/or transferred to more protected entities such as a Limited Liability Company, Limited Liability Partnership or Family Limited Partnership, to name a few. Each entity has its own advantages and disadvantages and each person may have specific needs that make one of these entities more advantageous than the others. Alternatively, these assets can be titled to either domestic or international trusts. International trusts, such as the NEVIS trust, are especially protective because the laws of most preferred international trust locations favor the owner of the trust over creditors. Any unprotected assets can be stripped of their equity. For example, taking out a loan on a home that the client owns free and clear would make them more undesirable to a creditor than if they had full equity in the home.

• Implement the plan and maintain the protection over the years. Asset protection plans should be reviewed at least once a year and whenever there is a potential for litigation. Also, integrating an estate plan into anasset protection plan is essential because an unexpected death intestate could tie up an estate in litigation for years.

Asset protection is important for all business owners in today’s litigious society. E-commerce businesses are even more vulnerable to lawsuits and potentially have more assets to protect. Business owners should enlist the assistance of anasset protection attorney to create, implement and help maintain a lawsuit-proof plan, and they should have an estate plan as well.

About Hillel L. Presser

Hillel L. Presser’s firm, The Presser Law Firm, P.A., represents individuals and businesses in establishing comprehensive asset protection plans. He is a graduate of Syracuse University’s School of Management and Nova Southeastern University’s law school, and serves on Nova’s President’s Advisory Council. The Presser Law Firm, P.A. offers complimentary books on asset protection and an asset protection worksheet to help you create an inventory at www.AssetProtectionAttorneys.com; submit a request in the contact form.

 
IBHS Urges Home and Business Owners to Reduce Risk of Winter-Related Damage Now PDF Print E-mail
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Written by Joseph King   
Friday, 02 November 2012 09:12

Tampa, Fla. (October 31, 2012) – With many Mid-Atlantic and Appalachian states receiving as much as two feet of snow from Super Storm Sandy, the Insurance Institute for Business & Home Safety (IBHS) reminds business and homeowners that now is the time to prepare their property for the 2012-2013 winter season to help reduce  damage caused from freezing weather.

“Winter weather can cause numerous problems from burst pipes to roof collapses to interior fires,” said Julie Rochman, president and CEO of IBHS. “Taking steps now to prepare your home or business to withstand the effects of winter storms and freezing weather will help you avoid costly losses and possible business interruptions later.”

Freezing Pipes
Frozen water in pipes can cause them to burst. Pipes in attics, crawl spaces and outside walls are particularly vulnerable to freezing in extremely cold weather. Find out how to keep water in pipes from freezing here: http://disastersafety.org/freezing_weather/prevent-frozen-pipes

Is Your Roof Strong Enough?
The age of a building is a major determinant of how much snow and ice it can handle before collapsing. Get more information about roof snow and ice load ranges here:  http://disastersafety.org/freezing_weather/prevent-roof-collapse.

Ice Dams
When interior heat melts the snow on the roof the water will run down and refreeze at the roof’s edge, where temperatures are colder. The ice build-up blocks water from draining off of the roof, forcing the water under the roof covering and into the attic or down the inside walls of the house. Check out IBHS’ guidance on how to decrease the likelihood that ice dams will form here: http://disastersafety.org/freezing_weather/preventing-ice-dams-on-homes.

Alternative Heating Devices
Falling temperatures also mean increased fire dangers linked to the use of heating devices. Rising fuel prices and environmental concerns have driven many consumers to seek alternate ways to heat their homes and businesses. Consult IBHS’ Alternative Heating Sources guide to be safe when choosing or installing space heaters, wood pellet stoves, fireplaces or other heating sources.

IBHS’ Freezing Weather page on DisasterSafety.org provides guidance on how to protect your home or business against other winter weather-related perils.

for more information about how to make your buildings more resistant to a variety of disasters, large and small. Follow IBHS on Twitter at @DisasterSafety and on

# # #

About IBHS

The Insurance Institute for Business & Home Safety (IBHS) is an independent, nonprofit, research and communications organization supported by the property insurance industry. The IBHS mission is to conduct objective, scientific research in order to identify and promote effective actions that strengthen homes, businesses, and communities against natural disasters and other causes of loss.

 
Local Flooring Retailer Northwest Carpet One Floor & Home Helps Homeowners Create Beautiful Homes with Online Video Series Announces Premier Episode with Decorator Tracy Bross PDF Print E-mail
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Written by Douglas Patch   
Friday, 02 November 2012 08:59

Thursday, October 25, 2012 (Davenport, IA) — Northwest Carpet One Floor & Home helps customers find beautiful floors for their home every day, but through an online effort, they aim to help them create beautiful homes as well. Their Beautiful Design Made Simple podcast series available through Carpet One Floor & Home’s YouTube channel at www.youtube.com/carpetonefh provides customers tips and design advice. The most recent episode introduces Tracy Bross, Principal Stylist for Tracy Bross Decorating and Styling.

Bross has partnered with Carpet One Floor & Home to produce a series of Beautiful Design Made Simple episodes that help homeowners make design decisions without hiring a decorator or interior designer.  Bross comments, "I have worked with clients on the east coast, west coast and everywhere in between, and now I am excited to bring that knowledge to a much larger audience."  The partnership with Bross is part of a long-standing program from Carpet One Floor & Home designed to help customers simplify the process of redecorating their homes.

"We're excited to be able to provide a resource to our customers that gives them credible design advice from a veteran of the style industry.  With Tracy's knowledge of style and our expertise in flooring, we feel like we have all the bases covered for our customers." comments Douglas Patch, of Northwest Carpet One Floor & Home.

In her premiere Beautiful Design Made Simple episode, Bross shares her secret for creating a room that her clients will love – finding the perfect inspiration.  The episode includes tips on finding that perfect inspiration for a room and examples of how to turn inspiration into a beautiful design.

“Not everyone can afford to have a decorator or designer to make their home beautiful,” says Bross. “But that doesn’t mean you can’t have a home that you love that speaks to your personality.” 

Carpet One Floor & Home plans to release several more episodes with more advice from Bross throughout the remainder of 2012 and into 2013.

Bross’ inspiration video can be viewed in the Beautiful Design Made Simple playlist on Carpet One Floor & Home’s YouTube Channel.

About Northwest Carpet One Floor & Home
Northwest Carpet One Floor & Home is a locally owned flooring retailer serving the Davenport area. They are part of North America’s leading floor covering co-op. Their showroom is known for carrying a broad selection of beautiful carpet, wood, laminate, ceramic, vinyl, and area rugs including exclusive brands like Bigelow and Lees. They offer a unique customer experience with the exclusive SelectAFloor merchandising system that simplifies the shopping experience and The Beautiful GuaranteeTM, which guarantees that the customer will be 100% happy with their floor. Northwest Carpet One Floor & Home is also the home of the exclusive Healthier Living Installation system. For more information visit NORTHWESTCARPETONEDAVENPORT.COM.

 
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