Top U.S. Advisor Offers 3 Tips for Successful Collaboration

Individuals and families with large estates have enough to worry about - they shouldn't have to wonder whether the advisors they depend upon have their best interests at heart, says financial advisor Matthew T. Shafer.

"Many don't realize that wealthy people are targets for criminals and opportunistic people; that's why an estate should have a good team of professionals who work well with each other," says Shafer, author of "The Future of Your Wealth," (http://mattshafer.us/).

"Wealthy families - and many middle-class families - have multiple advisors who specialize in different disciplines, including attorneys, tax specialists, insurance agents and the like. A family could find the best specialist in each field, but if these experts do not work in harmony, the results can be dreadful."

These key players are like musicians in a band or orchestra. If they are off doing their own thing with no consideration for the overall production, it will sound terrible, says Shafer, who offers tips for overcoming potential problems within a group of advisors.

•  Keep egos in check. The best lawyers, tax advisors and financial advisors - top performers who've spent years honing their skills in highly competitive environments - tend to be strong-minded personalities. When members of the team are required to review the work of another within the team, egos can get in the way, even when all parties can agree that a second pair of eyes can improve work. Advisors should establish a cooperative, collaborative dynamic and avoid pointing fingers of blame; rather, make the priority to do whatever's best for the client.

•  Educate yourself about other disciplines. "Financial advisors can do a better job for their clients if they've taken the time to learn about these other fields so they're comfortable with cross-discipline conversations," Shafer says. Better understanding another team member's profession requires a longsighted view, and there isn't an immediate payoff. But, as with any educational pursuit, the value will be evident down the road. That value includes clients with increased peace of mind in knowing that their team is coordinated.

•  Be tactful in troubleshooting tough situations. If a team member senses something is amiss in the work of another, first approach another advisor within the team and tactfully ask for help connecting the dots. Give the other advisor every opportunity to identify a problem and resolve a possible mistake. The only exception to this is when you think a crime is being committed. In that case, advisors are legally obligated to tell their client. An accusatory approach tends to damage relationships, or even bring them to an end. The goal is to get the best results for the client, not to criticize the other professionals on the team.

About Matthew T. Shafer

Matthew T. Shafer, author of "The Future of Your Wealth," (http://mattshafer.us/), is a graduate of American University, where he obtained Bachelor of Arts and Master of Arts degrees in economics, with a concentration in International Financial Markets. In 2005, Matthew attended the Haas School of Business at the University of California, Berkley, where he obtained the title of Certified Investment Management Analyst (CIMA®) and joined the Investment Management Consultants Association (IMCA). He has been named one of the top 1,000 Financial Advisors in the U.S. by Barron's Magazine (2009) and has received several national recognitions, including "Premier Advisor" by the National Association of Board Certified Advisory Practices (2012).

Department Announces New Beginning Farmer Benefits, Other Changes to Crop Insurance that Provide Flexibility to Farmers

WASHINGTON, June 30, 2014 - Agriculture Secretary Tom Vilsack today announced continued progress in implementing provisions of the 2014 Farm Bill that provide new risk management options for farmers and ranchers. These improvements to crop insurance programs will provide better protection from weather disaster, market volatility and other risk factors to ensure farmers aren't wiped out by events beyond their control.

Vilsack also announced new support for beginning farmers that will make crop insurance more affordable and provide greater support when new farmers experience substantial losses. These announcements build on other recent USDA efforts to support beginning farmers.

"Crop insurance is critical to the ongoing success of today's farmers and ranchers and our agriculture economy. These improvements provide additional flexibility to ensure families do not lose everything due to events beyond their control," said Vilsack. "We're also acting to provide more support to beginning farmers and ranchers so that they can manage their risk effectively. We need to not only encourage new farmers to get into agriculture, we must ensure they're not wiped out in their riskiest initial seasons so they can remain in agriculture for years to come."

The U. S. Department of Agriculture's (USDA) Risk Management Agency (RMA) filed an interim rule with the Federal Register today, allowing USDA to move forward with changes to crop insurance provisions. The provisions provide better options for beginning farmers, allow producers to have enterprise units for irrigated and non-irrigated crops, give farmers and ranchers the ability to purchase different levels of coverage for a variety of irrigation practices, provide guidance on conservation compliance, implement protections for native sod and provide adjustments to historical yields following significant disasters.

The Farm Bill authorizes specific coverage benefits for beginning farmers and ranchers starting with the 2015 crop year. The changes announced today exempt new farmers from paying the $300 administrative fee for catastrophic policies. New farmers' premium support rates will also increase ten percentage points during their first five years of farming. Beginning farmers will also receive a greater yield adjustment when yields are below 60 percent of the applicable transitional yield. These incentives will be available for most insurance plans in the 2015 crop year and all plans by 2016.

Starting in the fall of 2014, producers who till native sod and plant an annual crop on that land will see reductions in their crop insurance benefits during the first four years. Native sod is acreage that has never been tilled, or land which a producer cannot substantiate has ever been tilled for the production of a crop. The provision applies to acreage in all counties in Iowa, Minnesota, Montana, Nebraska, North Dakota, and South Dakota that is greater than five acres per policy and is producing annual crops.

Additional flexibility for irrigated and non-irrigated enterprise units and coverage levels will be available in the spring of 2015. Additional information on implementation of these changes is available at the RMA website, www.rma.usda.gov.

The interim rule is available to the public at the Federal Register at www.ofr.gov/inspection.aspx.

More information is available on the RMA website at www.rma.usda.gov. Written comments on the rule can be submitted to www.regulations.gov by Sept. 2, 2014. All comments will be considered when the rule is made final.

Today's announcement was made possible by the 2014 Farm Bill. The Farm Bill builds on historic economic gains in rural America over the past five years, while achieving meaningful reform and billions of dollars in savings for taxpayers. Since enactment, USDA has made significant progress to implement each provision of this critical legislation, including providing disaster relief to farmers and ranchers; strengthening risk management tools; expanding access to rural credit; funding critical research; establishing innovative public-private conservation partnerships; developing new markets for rural-made products; and investing in infrastructure, housing and community facilities to help improve quality of life in rural America. For more information, visit www.usda.gov/farmbill.

Since the signing of the Farm Bill, RMA has been working to implement the provisions as quickly as possible. The Federal Crop Insurance Board approved RMA's Whole-Farm Revenue Insurance policy in May. RMA will finalize the policy materials and expects to release the Whole-Farm Revenue Protection product to the public in late fall.

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Tragic death of 13-year-old-bicyclist is a reminder to look twice to save a life

DES MOINES - While the death of a young man training for an upcoming triathlon was the result of a tragic accident, it is still a somber reminder that all drivers must be on the lookout for the bicyclists they share the road with.

Timothy Jenks was with seven other professional riders when he apparently lost control of his bicycle and was fatally struck by an SUV that was passing the group in a no-passing zone. He was only 13 years old.

Local safety advocate and attorney Corey Walker was devastated to learn that another accident took a cyclist's life in Iowa.

"I cannot imagine the pain that the Jenks family is going through," Corey Walker said. "From everything I read about Timothy, he had a real passion for life and part of that was through cycling. Our deepest condolences go out to his family and their community as they mourn the loss of this wonderful young man."

It is accidents like this one, along with those accidents he helps families with on a daily basis at his Des Moines law firm, that prompted him to start the Look4Bicycles campaign. As part of the campaign, he offers free bumper stickers for drivers to display on their cars to remind others to look out for bicycles on the road.

"Even if one rider is saved from injury or death because of a Look4Bicycles bumper sticker, we will have succeeded" Corey Walker said. "The more attention we can bring to accident prevention through educational materials or open dialogue, the more likely we are to keep our riders safe."

Walker is particularly concerned about the young bicyclists that drivers have the hardest time seeing, due to their small size and general unfamiliarity with the roads and their rules.

"If a tragic accident like this can happen to a seasoned rider like Timothy, I am concerned about what can happen to the novice child riders sharing the roads with drivers who may not be paying attention," Corey said.

Sadly, out of the more than 400 bicycle injuries that happen each year in Iowa, nearly 25% of the victims are under the age of 16, according to the Iowa Department of Transportation Traffic and Safety Office. Statistics from 2012 show that of the 467 bicyclists injured in Iowa alone, 116 of them were under 16 years old, and another 106 of the victims were aged 16 to 24.

The purpose of Look4Bicycles is to encourage all types of drivers to pay attention to their surroundings and keep an extra eye out for bicyclists. Majority of bicycle accidents involving other vehicles that are handled by Walker's firm, Walker, Billingsley and Bair, are caused because the other driver did not detect and recognize the cyclist in traffic, or because the other vehicle did not see the bicyclist before the collision, or they noticed the bike after it was too late to avoid the collision.

Looks4Bicycles bumper stickers are offered completely free of charge and there is no limit to the number of stickers you can request. All drivers are urged to make use of this free service to help spread the word about looking out for cyclists. Mr. Walker is also offering his time - free of charge - to speak to groups or to new driver's education classes interested in learning about bicycle safety for both riders and non-riders.

Stickers and other educational material can be obtained by visiting www.Look4Bicycle.com or by calling 515-661-5542.
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Sheriff Dennis Conard was announced as a co-recipient for the J. Stannard Baker Award for Highway Safety at the National Sheriff's Association Annual Conference which was held last week in Fort Worth, Texas.

The award is sponsored by the U.S. Department of Transportation/National Highway Traffic Safety Administration, Northwestern University, and the Center for Public Safety and OnStar. The J. Stannard Baker Award for Highway Safety is presented annually to a deputy sheriff or officer who has shown unusual initiative directly related to highway safety.

Since 2003, Sheriff Conard has served as Vice-Chair of the National Sheriff's Association Traffic Safety Committee. He has been a part of working groups that have dealt with suspended drivers, distracted driving and traffic enforcement enhancement for Sheriff's offices.

This award honors the late J. Stannard Baker who made significant contributions to highway safety. Mr. Baker served as Director of Research and Development at the Northwestern University Traffic Institute (now the Center for Public Safety) for over thirty years. During that time he focused on the causes of traffic crashes and on the techniques of collision investigation and reconstruction. He was known throughout the world as the "father of accident investigation." Mr. Baker's groundbreaking textbook, Traffic Accident Investigation Manual, is the worldwide standard.

ABC of Iowa Apprenticeship & Training Trust is now offering welding skills assessments. Welding training will be offered starting in the fall 2014.

Several different types of welding training will be available: Structural Welding for Fabrication (Stick), Structural Welding for Manufacturing (MIG), Pipe Welding (Stick), Structural Welding for Fabrication/Maintenance (MIG), Structural Welding for Fabrication/Maintenance (TIG), "Sanitary" Structural Welding for Fabrication/Maintenance (TIG) and "Sanitary" Pipe Welding for Fabrication/Maintenance (TIG).

Each class will have a maximum of eight people. The training will be customized to each individual trainee. The instructor will speak with each employer or trainee to tailor their training to their goals.

"The ABC of Iowa Apprenticeship & Training Trust has taken a major step in helping the construction industry resolve the national shortage of skilled welders with the opening of its new welding training facility," said Mike McCoy, ABC of Iowa Apprenticeship & Training Trustee Chair.  "The new welding lab is equipped with the latest Miller Welding Technology, which allows students to learn Stick, MIG and TIG welding for both structural steel and piping in a controlled environment. Under the instruction of one of the area's top welding instructors, students can achieve their welding certifications and join the racks of the nation's best skilled tradesmen!"

Assessments will be held July 25 and 26. The training will begin in the fall. Please contact Ginny Shindelar at ginny.shindelar@abciowa.org or 515.985.1175 or visit http://apprenticeshiptrust.abciowa.org/Welding_Program.aspx.

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'A Robot Operated on My Hernia'
Tarpon Springs Surgeon Debunks This & Other Myths
About Robots in the O.R.

Robotics-assisted surgery has become enormously popular, with physicians around the world performing 1.5 million procedures - from hysterectomies to heart valve repairs - in 2011.

"But myths and misconceptions about robots in the operating room still abound," says physician Dr. Keith Chisholm, MD, a Board Certified General Surgeon on staff at Florida Hospital North Pinellas, (www.fhnorthpinellas.com).

"One is that the robot performs the surgery - 'a robot operated on my hernia,' " says Dr. Chisholm. "Technically, it's not a robot because it can't perform surgery without someone controlling it - it's actually computer-assisted surgery. The surgeon guides all of the movements using finger-manipulated controls."

He and other robotics surgeons use the da Vinci Surgical System, which the U.S. Food and Drug Administration approved for minimally invasive surgeries in 2000. Nine years later, the da Vinci was being used in 80 percent of surgeries to remove cancerous prostates, according to its maker, Intuitive Surgical, Inc.

"The benefits of robotics-assisted surgery are numerous", says Dr. Chisholm, who performs several different procedures using da Vinci and became the first Pinellas-Pasco physician to use it for a single-incision cholecystectomy (gall bladder removal).

"The robotic arms hold miniaturized surgical instruments, so we can get in through very small incisions," he says. "That means there's less chance of infection, less pain, much less scarring and a quicker recovery time. Because the arms have 'wrists' that can rotate more than 360 degrees, we have far more maneuverability than we do with laparoscopic surgery, and we can get into hard-to-reach areas."

"One of the robotic arms holds a magnified 3D high-definition camera, which gives us a much better view of the surgical site than we would have with just our own two eyes."

In a 2013 FDA survey, surgeons experienced with da Vinci said their patients have less bleeding, fewer complications, much quicker recovery times and less time in the hospital - 24 hours on average. Interestingly, those who used da Vinci to remove advanced cancer in the tonsils region of the throat said half of their patients were able to avoid chemotherapy.

What are some other myths and misconceptions?

•  Myth: Robotics-assisted surgery costs much more than traditional surgery.
A study published in July 2013 found that half of the minimally invasive procedures reviewed, including robotics-assisted and laparoscopic surgeries, cost insurance providers less than the same surgeries performed in the traditional manner. Four of the six minimally invasive surgeries also resulted in fewer lost work days - sometimes several weeks fewer.

"The robotics technology is expensive and the whole surgical team has to be trained, which can add to the cost," says Dr. Chisholm. "But there's also a tremendous savings compared with traditional surgery because the patient is out of the hospital more quickly and there are fewer complications."

(Study conducted by University of Pennsylvania health economist Andrew J. Epstein and published in JAMA Surgery.)

•  Myth: Robotics-assisted surgery is riskier than traditional surgeries.
Any surgery has certain risks, but in many ways, robotics-assisted surgeries have fewer overall, Dr. Chisholm says.

"Many times, the robotics-assisted procedures can be done much more quickly, so there's less risk simply because the duration of the procedure is shorter," he says. "You also have the smaller incisions, less bleeding, etc. that reduce the risks."

In addition, the Tampa Bay area is fortunate to have the cutting-edge 2-year-old Center for Advanced Medical Learning and Simulation (CAMLS) operated by the University of South Florida.

"Our surgical teams have easy access to training, practice with simulators and continuing education, so we're extremely well-prepared," Dr. Chisholm says.

About Dr. Keith Chisholm

Dr. Keith Chisholm graduated from the University of North Carolina, Chapel Hill, Medical School and went on to residency training at the University of Florida, becoming an assistant adjunct professor and attending surgeon at the Malcolm Randall VA Medical Center in Gainesville, Fla. He's believed to have performed the first laparoscopic colon resection in the UF surgical department. From laparoscopy to robotics-assisted surgery was a natural advance for Chisholm, who has a private practice in Trinity, Fla., and is among the robotics-certified surgeons with privileges at Florida Hospital North Pinellas, (www.fhnorthpinellas.com).

(DES MOINES) - Gov. Terry Branstad and Lt. Gov. Kim Reynolds today announced the launch of "Zero Fatalities," Iowa's plan to keep every man, woman, and child safe on Iowa's roadways.

Iowa's Zero Fatalities program is a multiagency effort currently supported by the Iowa departments of Transportation, Health, and Public Safety through the Governor's Traffic Safety Bureau. The leaders of each agency were on hand today to help kick off the program.

"Last year 317 men, women, and children died on Iowa's highways. While that is a decrease from years past, we know with simple improvements, we can do much better and prevent traffic deaths," said Branstad. "If each of us adopts a zero fatalities goal for our families, we can make zero a reality statewide. To achieve this, we all must give full attention to the task of driving when we are behind the wheel."

The program highlights five dangerous driving behaviors and encourages Iowans to:

1.       Slow down.

2.       Drive sober.

3.       Focus on the road.

4.       Stay alert.

5.       Buckle up. Every seat, every time.

"With the Fourth of July holiday right around the corner and summer travel increasing, I join Governor Branstad in fully endorsing this multiagency effort to increase safety on Iowa's roadways," said Reynolds. "With just a few proactive adjustments to traveling, we can significantly reduce traffic deaths and obtain our goal of zero fatalities."

The program includes initiatives from each of the partner agencies working to encourage safe driving behaviors; television, radio, and online spots; and a presence on social media. To find out more about the program, go to www.zerofatalities.com and click on "Iowa" in the drop-down box. You can also follow the effort on Twitter (@zeroiowa) and Facebook www.facebook.com/zerofatalitiesiowa.

Iowa's Zero Fatalities program is part of a larger campaign that includes three other states, Arizona, Nevada and Utah. The Zero Fatalities program supports Iowa Strategic Highway Safety Plan that includes efforts in engineering, law enforcement, education, emergency medical services, and driver attitudes and behaviors to improve the overall safety of Iowa's roadways.

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NOTRE DAME, IN (06/30/2014)(readMedia)-- Katherine Kautz of Bettendorf, IA has graduated from Saint Mary's College in Notre Dame, IN. Katherine, daughter of Gregory and Ann Kautz of Bettendorf, IA, received a BA in Communication Studies.

About Saint Mary's College: Saint Mary's College, Notre Dame, Ind., is a four-year, Catholic, residential, women's liberal arts college offering five bachelor's degrees and more than 30 major areas of study, such as business, nursing, art, chemistry, and social work. The College's single-gender environment has been proven, in study after study, to foster confidence, ethical leadership, and strong academic success. Saint Mary's College ranks ranks 76 among the "Best National Liberal Arts Colleges" for 2014 published by U.S. News. Founded in 1844 by the Sisters of the Holy Cross, Saint Mary's College's mission is to educate women and prepare them for postgraduate success whether it's a first job, graduate school, or postgraduate service.

MOUNT CARROLL, IL -- Timber Lake Playhouse will present the local premiere of The New Mel Brooks Musical Young Frankenstein beginning Thursday, July 3. From the award-winning team that brought The Producers to international acclaim, this monster musical comedy, which runs through Saturday, June 28, is a dizzy, lavish and fast paced re-imagining of the Frankenstein legend based on Mel Brooks' classic comedy film masterpiece. Former Artistic Director Brad Lyons returns to Mount Carroll to direct the hilarity starring TLP's professional company from all over the country.

The story follows bright, young Dr. Frankenstein (that's Fronkensteen), played by TLP favorite Cody Jolly, as he attempts to complete his grandfather's masterwork and bring a corpse to life. Together with his oddly shaped and endearing helper Igor (that's Eye-gor), played by Matt Webb (Patsy in last year's Spamalot), his curvaceous lab assistant Inga (Lexie Plath), and in spite of his incredibly self-involved madcap fiancé Elizabeth (Allison Hunt), Frankenstein succeeds in creating a monster (Blake W. Price)-- but not without hilarious complications from Frau Blucher (Analisha Santini), Inspector Kemp (Grant Brown), the villagers of Transylvania Heights and, of course, Irving Berlin's "Puttin' on the Ritz."

Enthusiasts of the film have plenty of new surprises to look forward to in the stage adaptation. And musical comedy fans will be in heaven with the new, high-energy songs and riotous dances including "Transylvania Mania," "He Vas My Boyfriend," "Roll In Ze Hay," and "Together Again?For The First Time." The production also features some "shocking" visual effects as well as spectacularly "monstrous" choreography by Cameron Turner (Spamalot).

There are only 11 chances to see Young Frankenstein. Performances are at 7:30 p.m. (except July 4, July 6 and July 7). Wednesday and Sunday matinees are at 2:00 p.m. There is a 3:00 pm matinee on Saturday, July 5. Tickets are $17 for students, $21 for seniors, $23 for single seats and are available at the Timber Lake Playhouse box office, 815-244-2035, or www.timberlakeplayhouse.org.

TLP's Do Something Spectacular: Live The Story campaign continues with Young Frankenstein through the help of Happy Tails Humane Society in Rock Falls, Illinois. Happy Tails operates Whiteside County's only animal shelter.  They are a limited-intake, no-kill facility that shelters and cares for stray and abandoned dogs and cats until they are adopted into loving, permanent homes.  They promote pet adoption and humane education in the region. At each performance of Young Frankenstein, audiences will have an opportunity to help "save the creature!"

This program is partially sponsored by a grant from the Illinois Arts Council through federal funds from the National Endowment For The Arts.

Peoria's Katz homers in both games as Bandits win 11-3 before falling 4-2 in finale

PEORIA, Ill. (June 29, 2014) - The Quad Cities River Bandits exploded in an 11-3 win in Sunday's first game of a doubleheader before falling flat in a 4-2 loss to the Peoria Chiefs in the finale at Dozer Park. Mason Katz drilled a solo home run in each contest for the Chiefs.

James Ramsay led off game one with a single off Peoria (7-3 second half, 44-35 overall) starter Luis Perdomo and stole second before Marc Wik walked. Perdomo struck out Brett Phillips and got Chase McDonald to bounce into a 1-3 fielder's choice, but then Jon Kemmer laced a double down the left field line to score both runners and put Quad Cities (5-5 second half, 40-39 overall) on the board at 2-0. Perdomo (0-1), who allowed six runs, five earned on six hits with four walks and six strikeouts in 4.2 innings, issued a walk to Tyler White and yielded a single to Ronnie Mitchell to bring in Kemmer. Brett Booth then ripped a single to left to plate White to make it 4-0 just before Mitchell was thrown out trying to go to third to end the inning.

Already up 5-1, Quad Cities was able to add to their lead in the fifth. With one out and a runner on second, Kemmer greeted Peoria reliever Robert Stock with a single to score Phillips. After White singled, Mitchell did the same to bring in Kemmer before Booth added another base hit to score White and make it 8-1. Kemmer went 2-for-4 with a career-high three RBIs, one of six Bandits to have multiple hits. White, Mitchell and Booth each finished 2-for-4 while driving in two. Every Quad Cities player in the lineup contributed at least one hit.

Chris Lee (3-5) earned the victory, allowing only a run on three hits without walking a batter in five innings. He struck out four before yielding to Houston Astros right-hander Anthony Bass, who allowed two unearned runs in two innings on two hits with three punchouts.

In game two, the River Bandits once again struck first, using a Jake Rodriguez single in the second off of Peoria starter Kevin Herget to take a 1-0 lead. With the score the same in the fourth, McDonald rocketed a line drive over the wall in left-center for his fifth home run of the season to give Quad Cities the 2-0 advantage.

Katz homered with one out in the bottom half of the fourth to cut the Quad Cities lead in half. The shot was the second baseman's 14th of the year, which ties him at the top of the Midwest League with South Bend's Daniel Palka.

In the fifth, Quad Cities starter Andrew Thurman gave up a leadoff double to Richy Pedroza, who advanced to third on a wild pitch. With the infield in, Thurman (4-5), who surrendered three runs on six hits with a walk and two strikeouts, got Michael Schulze to groundout to second to keep Pedroza at bay. However, the right-hander walked Vaughn Bryan, who stole second and forced the infield to come back. C.J. McElroy, Jr. then hit a groundball to second, which allowed Pedroza to come home to tie the game on the out. Bryan came home when Justin Ringo lined a base hit to center to give the Chiefs the lead they would not relinquish.

Jhnonny Peralta (2-0) earned the win for Peoria in relief, retiring nine of the 11 men he faced. He struck out three, walked one and allowed one hit.

From the third inning on, Kemmer, who was 2-for-2 with a walk in game two, was the only Bandit to reach second base. However, Herget picked him off to end the fourth.

The rubber game of the five-game series comes tomorrow with the River Bandits scheduled to start Jandel Gustave (5-3, 3.94 ERA) against Peoria's Rob Kaminsky (3-1, 1.47).

UP NEXT: Back-to-back fireworks nights kick of the Fourth of July weekend at Modern Woodmen Park. The ballpark will open Thursday, July 3, for the annual Red, White and Boom Fireworks, and the River Bandits will have Fourth of July Fireworks presented by Smart Toyota of the Quad Cities, WLLR and WQAD following the 7 p.m. game on Friday, July 4. Game tickets are available at www.riverbandits.com. To order any of the River Bandits 2014 ticket plans - with new lower prices - call the River Bandits box office at 563-324-3000. Season ticket and mini-plan packages start at just seven games and begin at less than $40. Call a River Bandits account representative today to choose your seats and get the details of our various mini-plan packages.

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