Money Management Has Common Cause with
Theological Guidance, Says Money Minister

These days, if you want the kind of prosperity, peace and hope in your life for which the Bible is a guide, you need sound financial advice, says "Money Minister" C. Ernie Nivens, (www.nivenswealth.com), author of "Baker's Dozen: 13 Insights from Highly Successful Financial Advisors."

"I can't tell you how many clients have had a look of fear and dread in their eyes when I first sat down with them. They were frantic with worry about running out of money in their retirement years," says Nivens, a 20-year United Methodist minister and global church growth consultant who has focused his passion for learning on financial issues since 1990.

"As my career as a financial planner grew, I was struck by how similar spiritual advising is to financial advising. A retiree who is running out of money and is facing the uncertainty of relying on Social Security and Medicare faces quite a crisis. Essentially, they're wondering if they can afford to live."

For Christians, the "good news" refers to Jesus' message of hope. Nivens says he'd like to spread his financial gospel, which includes strategies for protecting and successfully using one's own money.

Nivens cites scripture and connects it with what Americans can do to better afford their lives and financially support others.

•  1-Timothy 5:3 - "Take care of widows who are destitute." Many senior widows face not only destitution, but also the need for long-term care. With the flood of baby boomers currently retiring, and the fact that women live longer men, scripture remains relevant to today's most important issues, which includes long-term medical care for the elderly. About 70 percent of people over age 65 can expect to need long-term care services at some point in their lives. That varies in cost depending on circumstances, even with the help of Medicare. Consulting a financial planner about implementing wealth preservation strategies long before you or a loved one needs long-term care is a prudent precaution.

•  Proverbs 23:10 - "Don't stealthily move back the boundary lines or cheat orphans out of their property ...." The Bible is filled with ethical guidelines regarding cheating people out of what is rightfully theirs. But modern estate management is rife with moving boundary lines as tax legislation changes the rules. That makes it difficult for many people to ensure they - and their heirs - keep what is theirs. To afford life in retirement and leave a legacy for one's family, the three most important areas to understand are how estate taxes work, critical documents and management tactics. If you're a wealthy individual, for example, umbrella liability insurance adds an extra layer of protection between your assets and a potential lawsuit.

•  Acts 20:35 - "In everything I've done, I have demonstrated to you how necessary it is to work on behalf of the weak and not exploit them. You'll not likely go wrong here if you keep remembering that our Master said, 'You're far happier giving than getting.' " Americans are a generous people, giving an estimated $300 billion a year to charity. From veterans' issues to ALS to children with cancer to homelessness, giving is in the DNA of those who have prospered from a solid work ethic. When giving, know how your money will be spent - ask questions. And, consider giving to organizations that need it; many universities and hospitals are flush with money. Finally, consider giving your time as well - volunteering is rewarded with great satisfaction.

About C. Ernie Nivens

C. Ernie Nivens, (www.nivenswealth.com), entered the United Methodist Church ministry while working his way through college. After completing his bachelor's degree in English from Francis Marion University, he earned his Master's of Divinity from Emory University's Candler School of Theology. He retired from the ministry in 1990 and began his career as a financial professional. Nivens completed his master's in Financial Services, MSFS, with an AEP (Accredited Estate Planner), in 2002. A popular speaker in the industry, he is also the author of three books: "Bakers Dozen," "A Light in the Darkness: Insights of a Southern Christian Gentleman," and "Southern Fried Hope," a mystery.

Personal injury law firm unveils office location in Quad Cities.

Davenport, IA - (September 23, 2014) Hupy and Abraham, S.C., P.C., one of the leading personal injury law firms in the Midwest, is pleased to announce the official opening of a new office to accommodate rapid growth and client demand.

The new office, located at 5139 Utica Ridge Road in Davenport, Iowa, is easily accessible and will be open Monday through Friday from 8 a.m. to 5 p.m. The firm "comes to the client" -- setting up appointments with clients at their home, hospital or place of convenience and is available 24/7 -- at 888-807-2752 and via live chat at www.hupy.com.

"It's amazing how our firm has been able to help so many people in Iowa," said Managing Partner Jason Abraham. "I'm proud to be able to open another office in response to clients' demands for top-notch legal representation."

The personal injury firm handles car accident, motorcycle accident, slip and fall, wrongful death, pharmaceutical class action, dog bite, negligent security and worker's compensation cases.  Hupy and Abraham, S.C., P.C. has three office locations in Iowa, plus another eight across Wisconsin and Illinois.

Quad Cities residents may be familiar with a recognizable figure in ads for the firm. William Shatner has been appearing on Iowa televisions in Hupy and Abraham, S.C., P.C. television commercials since 2013.  Since 2007, Shatner has been the spokesperson for Hupy and Abraham.  He is currently making appearances across the world.

For more information about the firm, please visit www.hupy.com.

 

 

Hupy and Abraham, S.C., P.C.

Founded in 1969 in Milwaukee, Wisconsin, personal injury law firm Hupy and Abraham has a proven record of success with large settlements in serious cases, collecting $100s of millions for 1,000s of satisfied clients.  The firm has a long-established reputation of providing sound legal representation to accident victims, securing fair compensation for its clients and giving back to the community.

The law firm, which has eleven offices located in Illinois, Wisconsin and Iowa, handles personal injury cases including car accidents, motorcycle accidents, wrongful death and pharmaceutical and medical device class actions.

The firm's 17 experienced attorneys are committed to going above and beyond the call of duty for their clients by tirelessly representing them to the best of their ability while being involved in the local community?from raising funds for local charities to participating in safety and accident prevention initiatives.  In the past three years, the firm has donated more than $500,000 to more than 100 worthwhile causes.

Hupy and Abraham, S.C., P.C. has received top ratings from a number of national and local professional organizations for many years and was voted Best Personal Injury Lawyers in 2011, 2012 and 2013 and named Best Personal Injury Law Firm in 2012 and 2013.

To learn more about Hupy and Abraham, visit their website at www.hupy.com.

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STERLING- In partnership with the Sauk Valley Area Chamber of Commerce and Illinois Department of Employment Security (IDES), State Senator Mike Jacobs (D-Moline) hosted a workshop for local businesses.

"We appreciate the Senator's efforts to help bring state officials to the Sauk Valley to meet with employers one-on-one to discuss unemployment insurance issues," said Executive Director Kim Ewoldsen. "The Illinois Department of Employment Security has been a good partner to the Chamber and we work hard to provide our members with programs like this they can directly benefit from."

With instruction from IDES, local business people learned about available tax credits, the Illinois labor market and how best to navigate the unemployment insurance system.  The workshop also included role play activities based on actual cases and unemployment hearings.

"As we look for economic development opportunities, we need to build and strengthen our partnerships with local businesses," said Jacobs. "I'm happy we were able to provide local businesses with information on resources to hire new employees and in the process save money."

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Million-Dollar Business Coach Shares Tips for Taking It to the Next Level on YOUR Terms

Can both recent reports on the economic muscle of black women in the United States be correct?

On the one hand, businesses owned by women of color - 42 percent of them African American - have skyrocketed since 1997, far surpassing even the impressive growth rate of businesses owned by all women. And they've grown far faster in terms of revenues and employees than the average for all women.

On the other hand, compared to other U.S. women, black women are less likely to be employed or insured, to hold college degrees or be represented in elected office - all indicators of prosperity.

"It appears to be a paradox, unless you understand black women," says Dr. Venus Opal Reese, CEO of Defy Impossible, Inc. (www.DefyImpossible.com), a coaching business that helps black women -- and men and women of all ethnicities -- break the seven-figure ceiling.

"The survival strategies our ancestors learned from slavery are passed down to us and become our 'normal.' We're taught that to feel good about ourselves, we have to work hard, sacrifice for others, prove ourselves, overcome; those are survival skills for which we're socially rewarded. But when we allow society to dictate our inherent value, our self-worth, we will always come up short."

That's why so many smart, successful black women stay in jobs they hate - jobs that pay well but will never allow them to achieve their financial potential. That's why they sacrifice for their children, their church, their community, but not for themselves. It's why they can accomplish a great deal but still feel emotionally and financially impoverished.
"Our self-worth and our mindset around money are our biggest barriers to breaking the million-dollar mark," Dr. Venus says.

What do black women millionaires do differently? Dr. Venus shares some of their secrets, which are lessons for men and women of every ethnicity:

•  Make money from what you "know" instead of from what you "do."
As employees, we rent out our behaviors for a certain number of hours each day. We're paid to use our skills and accomplish tasks that benefit our employer. We all know how to make survival money from what we do.

Give up the working-class mentality of making money from what you "do" and start making money from what you "know." Everyone has a skill, but not everyone has your story and your unique perspective on life - what you've learned from walking through fire. You have a million-dollar message that can be monetized to launch your entrepreneurial dream or take the dream you've launched to impossible new heights. First, you must identify it.

•  DON'T leave your day job until you have replaced your income.
Keep the job that's paying the bills while you work on the side to market your message and build your revenue stream.

If you're panicking about keeping the lights on, you're not going to have the enthusiasm and creativity necessary to give your entrepreneurial dream your full, amazing power. Plus, having the lights on makes it a lot easier to get things done!"

Once you're making enough money to replace that salary or hourly wage, give up the day job!

•  Don't position yourself as a low-cost leader.
Imagine being a Kia and then trying to be a Bentley. The market won't believe you. If you want to go high-end, you have to stop charging low. It takes clarity, trust and confidence to up your rates, but it also forces you to get crystal clear on why people should pay top dollar to work with you. If you start low with the intention of going high, you will attract all the people looking for a deal. These people will never want to pay more. So don't build your business on low-end items.

•  Trade on value instead of volume.
Another pitfall of charging low ticket is that it is dependent upon a high volume of people buying in order for you to earn a living. When you move into the world of high-end leadership, you don't make your money from volume. You make your money from the value you bring your clients. The more value you provide, the more you can charge. Value can be tangible, emotional, prestige, exclusivity, or customization. When you build your business around value instead of volume, you naturally charge more -- and get more -- high-end clients.

About Dr. Venus Opal Reese

Dr. Venus Opal Reese, CEO of Defy Impossible, Inc. (www.DefyImpossible.com), is an acclaimed international speaker; CEO Mindset, Messaging and Marketing Mentor; and entrepreneur coach. She holds two master's degrees and a Ph.D. from Stanford University, and worked as a university professor before investing in herself by testing her entrepreneurial skills. Her business, Defy Impossible, grossed $1.2 million less than three years after launching.

Bettendorf, Iowa/September 15th, 2014 -  Locals Love Us-Quad Cities is adding a big increase in philanthropy to their 2nd annual survey, ending on October 1st.  This group will be giving away up to $10,000 to deserving organizations all around the area.

Locals Love Us helps you share the love for your favorite businesses while raising money for your favorite school, non-profit or charitable organization.  By simply voting for your favorite business in the QC area, a voter can raise money for a great local cause. Any local charity can receive a financial reward for driving voters to the Locals Love Us survey. Those groups who are interested in signing up can contact: sales@qca.localsloveus.com

Locals Love Us is a secure, anonymous online survey that asks the Quad Cities to name the most loved businesses in over two hundred categories. The results are published in a print and online directory.

According to co-owner, Ryan Bell, " "We love giving back to our community.  This is a great, easy way to do it using our business model.  We're pumped about writing some checks to great local causes!"

Fellow owner, Tim "Chopper" Shea added, "Its as easy as posting on Facebook or emailing your contacts...just promote your own, unique link.  Every voter gets you $$$!"

Locals Love Us (localsloveus.com) was founded in 2004 and focuses on delivering a comprehensive collection of a city's most-loved businesses to its residents. The locally-owned Quad Cities franchise started last year and is committed to strengthening the community where it does business.

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WACO, Texas (Sept. 16, 2014) - Kevin and Joy Beirne, owners of Rainbow International of the Quad Cities, received the Top Gun Award and Franchisee of the Year Award from Rainbow International corporate during The Dwyer Group® International Conference held Sept. 7-10 in Orlando, Fla.

This award goes to franchise owners who achieve top sales and reach operation benchmarks. The Top Gun recipients represent the top 10 percent of Rainbow International franchise owners across North America.

"The idea of 'Top Gun' was established by the Navy in the 1960s as a way to give training and credit to elite fighter pilots," said Mark Welstead, president of Rainbow International. "Taking a page from the Naval Top Gun Program, each year we recognize our franchise leaders for their accomplishments and dedication to the trade. It takes dedication, hard work, expertise and commitment to reach the Top Gun goal and we are honored to have these winners on our team."

The Franchisee of the Year Award is the highest honor that can be bestowed upon a franchisee. This award is presented to the franchisee who has consistently grown through proper training and management of their organization and has had a consistently high level of sales through quality, professional service.

"The Rainbow International team is thrilled Kevin and Joy won the Franchisee of the Year award," said Welstead. "They have high standards and achieve a level of excellence that sets the standard for Rainbow International franchises."

"We are honored to receive these awards," Beirne said. "We are committed to working hard every day to provide timely, courteous and professional cleaning and restoration services that meet and exceed our customers' expectations."

About Rainbow International®:

Established in 1981, Rainbow International is a global franchise organization providing residential and commercial restoration and cleaning services. Recognized by Entrepreneur magazine among its "Franchise 500," Rainbow International franchisees offer a broad range of damage restoration services (ranging from water, smoke and fire damage to carpet and upholstery cleaning and deodorization) to more than 400 locations worldwide. The new Rapid Structural Drying Network of Rainbow International has established a network of elite water loss mitigation franchises across the United States. Rainbow International is a subsidiary of The Dwyer Group, Inc., family of service franchises. For further information or to find the location nearest you, visit RainbowIntl.com.

 

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Tips from an Online Video Marketing Specialist

Online video marketing has become a staple, with 81 percent of companies producing video content for their websites and 69 percent producing it for social media, according to the 2014 Online Video Production Trends Report.

"There are loads of marketing videos on the web now, and some extremely effective," says Jennifer Santoro, integrative marketing specialist and Chief Happiness Officer for InVidz Smart Video Technology, (http://InVidz.com). "But there are plenty that just don't work."

Santoro says she's noticed common themes among the latter group. Based on those, here are her five ways to ensure your marketing video will suck.

1.  The Video Takes Too Long to Get to the Point
In the age of the "tweet," marketers have only a few seconds to capture a viewer's attention. In order to get the viewer to engage, a marketer must put serious thought into what the main point of the video is, and then clearly communicate that message as quickly as possible. The attention span for video watching seems to be about 60 seconds, so viewers don't want to hear a marketing message that goes on and on. Every word counts! Don't use five words when three will do. This is where the practice of writing, rewriting and then rewriting a script helps.

2.  The Video Content is Inauthentic
Today's consumers value authenticity and they can smell B.S. a mile away. Never try to portray yourself or your company as something you're not. Embrace who you are and what you actually offer; people will relate to and engage with that content. As soon as viewers suspect pretense, their trust will be gone. In today's market, the truth shall set you free. Take some time for self-reflection about what you offer potential customers and authentically communicate that message.

3.  Distracting Noises on the Audio
Rule of thumb: The visual can suck but the audio can't! Visually you don't have to do anything fancy. A simple shot of you speaking in front of a nice background will never be distracting. However, distracting noises in the audio will kill your video every time. If you're on a budget, put your money towards a decent microphone as opposed to a fancy camera. It's amazing what you can do visually with an iPhone! However, without a proper microphone, the recording will pick up too many distracting noises. Try the Audio-Technica ATR-3350 Lavalier Omnidirectional Condenser Microphone to get started. It's affordable and compatible with an iPhone; you just need the adapter.

4.  The Intention of the Video is not Clear
This goes back to No. 1 and the importance of putting serious thought into the point of the video. Too often we get distracted by special effects and features, or telling elaborate stories, and forget that the video needs to have a clear and concise message. Never shoot a video simply because you think you're supposed to have a video. If that's the only reason you're shooting one, you're pretty much guaranteeing it won't be strong because it will lack intention for the viewer. BEFORE you ever pick up your audio equipment and camera, spend significant time clarifying the intention of the video and composing your script around that intention.

5.  Viewers Can't Take Immediate Action
The whole point of a marketing video is to get your viewer to take some sort of  action. Internet video marketing technology has advanced significantly with the dawn of the smart video, which allows viewers to take immediate action directly from the video itself. We all know the power of the impulse buy! Consumers are much more likely to follow through on a decision if they can act upon it instantly. Therefore, smart videos are a marketing video's best friend. If you haven't already started using a smart video marketing platform for your videos, it's time to start. InVidz.com has made the process extremely easy and affordable. It even offers a free membership to get you started.

"Remember the rule of quality over quantity," Santoro says. "One extremely effective video is better than 10 ineffective videos.

"When considering your next marketing video, check down this list to ensure it doesn't suck. You'll see the difference in your conversion rates!"

About Jennifer Santoro

Jennifer Santoro holds a master's degree in Integrated Marketing Communication and Management from the Florida State University and is a specialist in online video marketing. She's the Chief Happiness Officer for InVidz Smart Video Technology, (http://InVidz.com). A Certified Professional Coach through the Institute for Professional Excellence in Coaching, she has more than 10 years of professional communication experience in the non-profit and private sectors.

(DES MOINES) - Gov. Terry Branstad and Lt. Gov. Kim Reynolds were joined at their weekly press conference today by Iowa Department of Education Director Brad Buck to announce the recommendations of the Financial Literacy Work Team. Buck convened the 13-member work team in January of 2014 to ensure Iowa students are learning the financial literacy skills needed for success.

"We know our children need to be financially literate in order to have a bright future and many Iowans, including educators, financial services experts, and elected officials have expressed concerns about the status of financial literacy in Iowa," said Branstad. "I'm pleased the Financial Literacy Work Team has completed its review and offered recommendations for the state to move forward educating our young people on how to make smart, responsible financial decisions."

The work team included representatives from public and nonpublic schools, financial services, higher education and the Iowa Department of Education. The group's recommendations included the following:

1.       Taking a close look at our financial literacy requirement for K-12 schools. This is included in the 21st century skills portion of Iowa's statewide academic standards. The work team's idea is to make sure the financial literacy component is clear and age appropriate.

2.       More support for schools around putting the financial literacy component of the standards into practice. More support would include providing better, more centralized resources to teachers.

3.       Tap into external stakeholder groups with expertise in financial literacy to assist in professional development trainings for teachers.

4.       Review how school districts approach financial literacy education.

5.       Improving communication statewide to keep a focus on this important issue.

"As former Clarke County treasurer, I understand the importance of financial literacy. I saw how far too many Iowans struggle to understand their rights and responsibilities when it comes to issues like tax payments and license fees," said Reynolds. "Success in the 21st century requires being financially literate. These recommendations will help us focus on assuring that all students fully understand financial commitments and decisions."

"We must do more to help students understand the power of financial literacy. And given that there's this groundswell of support among stakeholders to be part of the solution, it made great sense to form the Financial Literacy Work Team," said Buck. "At the Iowa Department of Education, we have moved forward by designating a staff member to the issue of financial literacy and we'll work to provide leadership around professional development activities and a central online location for high-quality resources for teachers."

The full report, including the Financial Literacy Work Team's recommendations, can be found here.

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The FieldHouse is now open at NorthPark Mall!

WHO: The FieldHouse is new to the Quad Cities, but they have been in business throughout Iowa for over 80 years. They specialize in black and gold décor for those die-hard football fans in the Midwest.

WHAT: The FieldHouse is directly across from Skeffington's Formal Wear. A good place to park is in between JCPenney and Barnes & Noble. The FieldHouse has over 20 beers on tap with big screen TVs broadcasting the games, plus enjoy a family-friendly atmosphere that makes this spot appealing for youth sports teams after a big win. You can now enjoy burgers, chicken sandwiches, pizza and steaks made to order in the all new FieldHouse at NorthPark Mall.  Grand Opening festivities will take place on September 20 including entertainment and great specials.

NorthPark and SouthPark will host annual Job Fairs at both centers. Retailers and outside businesses will be available at NorthPark on September 12 from 4-6p and at SouthPark on September 19 from 4-6p.

For more information on great sales and events, visit www.north-park-mall-ia.com or www.shopsouthparkmall-il.com or follow us on Twitter @NorthParkMallIA or @SouthParkMallIL and like us on Facebook at www.facebook.com/NorthParkMallIA or www.facebook.com/SouthParkMallIL.

WHEN: FieldHouse Grand Opening September 27, 2014 11a-1p

NorthPark Job Fair September 12 4p-6p

SouthPark Job Fair September 19 4p-6p

WHERE: FieldHouse - NorthPark Mall across from Skeffington's or at the outside mall entrance by JCPenney.

Job Fair, September 12 - NorthPark Mall in the common area between JCPenney and Younkers

Job Fair, September 19 - SouthPark Mall in the common area between Younkers and Dillard's

Money Directly Impacts Her Overall Satisfaction in Life, Says Business Coach

Do women have different relationships with money than men? Very definitely, yes, says entrepreneur and business coach Meriflor Toneatto.

"For women, money is an emotional currency, tied to our sense of self-worth and confidence, which can lead us to financial pitfalls that ultimately limits what we pursue in life," says Toneatto, a certified business and life coach, and author of "Money, Manifestation & Miracles: 8 Principles for Transforming Women's Relationship with Money," (www.moneymanifestationandmiracles.com).

A woman's emotional relationship with money directly impacts her overall level of satisfaction in life - or lack of it, Toneatto says.

"Wealth isn't just about money; it's about the quality of a woman's overall life," she says. "Greater awareness of how you feel about your life can yield helpful insights regarding your relationship with money, which can immediately change for the better."

There are a number of ways to start doing that. Toneatto reviews eight of them:

•  Give yourself permission. For better or worse, women tend to seek support or permission for significant life decisions. Skip a step and give yourself permission. It's important to have an open mind and heart as you proceed with financial self-improvement, which includes being grateful for who you are right now, warts and all, for arriving at this moment in your life.

•  Be honest. Total honesty is the best way to get to the root of your feelings, beliefs and attitudes about money. Women often keep secrets about our true feelings, especially regarding money.

•  Put yourself first. Commit to taking care of yourself and putting your needs at the top of your priority list. Think of it as "self-full" rather than "selfish." When you love yourself, you'll experience positive changes that will benefit those around you; you will operate better. "Self-fullness" may include scheduling uninterrupted time alone for reflection, reading, meditation, physical training and other ways to get in touch with your emotions.

•  Start a money journal. Consider keeping a gratitude journal and, taking it a steep further, a financial journal. What you focus on will grow, so focus on being grateful about money and you'll start to see positive changes in your life.

•  Practice forgiveness. A key way to move beyond your emotional obstacles with money is to let them go and forgive. Practicing forgiveness is a powerful way to remove what's standing between you and having more money in your life.

•  Feel prosperous and rich now. Prosperity and wealth is a state of mind. It's essential that you don't feel poor because that brings your thoughts toward poverty. Your goal is to take stock of what you have now, embellish it with gratitude, and enjoy the return.

•  Pay attention to synchronicities. As you begin to work on transforming your relationship with money, pay attention to what comes back to you as a result of your intention. Be aware of coincidences, synchronicities and opportunities that come your way. This may include new clients at unexpected places, hearing references to new books or even a mentor, or the possibility that you're at the right place at the right time.

•  Celebrate the big and small - have fun! We always notice the big things in life, but we tend to overlook the little steps we took to get there. They all count! And, take heart in your journey - an adventure of self-discovery, love, courage and possibility. This is at the heart of true, lifelong self-improvement.

"Just like other crucial life factors, such as health and spiritual well-being, a healthy financial relationship is a lifelong commitment, and what I detail here is just the beginning," she says. "Maintaining the right money mindset will require further guidance for some women."

About Meriflor Toneatto

Meriflor Toneatto is the founder and CEO of Power With Soul, a company dedicated to empowering female entrepreneurs and professionals by helping them transform their relationship with money. The author of "Money, Manifestation & Miracles: 8 Principles for Transforming Women's Relationship with Money," (www.moneymanifestationandmiracles.com), Toneatto holds a bachelor's degree in public administration and management and graduate certifications in personal, professional and financial coaching. A former corporate executive, she is a recipient of the Amethyst Award for Excellence and Outstanding Achievement from the government of Ontario, Canada.

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