'It's a Relationship That's Not Going Away,' Advises Female
Financial Expert

If you're a woman, chances are good that in the years ahead, it will be you and you alone who's responsible for managing your money.

That could be a problem: Even among the very affluent, many women admit they know little to nothing about bigger-picture money concerns such as financial planning and investment management, according to a recent survey.

"A lot of women cede those responsibilities to their husbands or partners because they say they don't have the time, interest or opportunity to learn," says Luna Jaffe, Certified Financial Planner™, psychotherapist, and author of the new "Wild Money: A Creative Journey to Financial Wisdom" and its companion workbook, "Wild Money: A Financial Field Guide and Journal," (www.lunajaffe.com).

"Things are changing- more women are choosing not to marry or have been devastated by divorce or death of a loved one.  They recognize they can't ignore money any more, but don't know where to turn or who to trust."

But even women with a net worth of at least $1 million concede they aren't especially knowledgeable about money management. In the Women & Wealth Study sponsored by GenSpring Family Offices, only a third said they know a lot about financial planning, and 30 percent said the same for investment management.

Part of the problem is that financial education is male-oriented, catering to how men's brains are wired and what appeals to them, Jaffe says.

"When we approach it creatively and from a more emotion-based perspective, women are not only drawn to learning about it, they have no trouble getting it," Jaffe says.

She offers these three things every woman should know about their relationship to money:

• Your investment decisions are influenced by your emotional baggage.
We all bring baggage into our relationships, and it's no different with money, Jaffe says. When you're not aware of the baggage operating quietly in the background, you may think you're making smart decisions when you're actually simply reacting to past experiences. And those might not have been even your own experiences! "Whether you or a loved one suffered the consequences of a bad financial investment, it can color your thinking in many ways, from destroying your confidence in your judgment to writing off all similar investments as 'bad.' '' Take time to reflect on the experiences you've had with investing, the decisions you made, and the conclusions you made as a result. What stories do you tell yourself because of these experiences?

•  Understand the emotional response with which you receive money, whether a paycheck, a gift or an inheritance. It's important to receive money with grace - to savor it, to be grateful for it, to be at peace with it. But depending on the circumstances by which it arrives, and lingering emotions from past experiences, we sometimes receive money with anger, guilt, resentment, greed, entitlement or any of a host of other negative emotions. This can lead to self-destructive actions. Jaffe shares a story about receiving a small inheritance from her father at a time when she had no money. She loaned the whole sum to a friend, who promptly vanished. "I was still grieving his death, and I received money that represented his legacy, yet it was only a tiny fraction of his estate - his second wife got everything else. Deep inside, I felt ripped off. Perhaps I thought by loaning my inheritance, I could wash the confusion and grief out of the money making it clean and safe to use. "

• Know your Comfort Zone for risk and stay within it. Investment comes with risks; you can assume a lot for potentially greater returns, or less for lower returns. Understanding your Comfort Zone and staying within it will help you stay committed to your financial plan. Would your best friend describe you as a risk taker? If you got $100,000 with instructions to invest it all in just ONE of these options - stocks, a savings account, a mutual fund portfolio of stocks and bonds, or your best friend's start-up - which would you choose? Knowing whether you're very conservative; happy with a little growth; comfortable with some ups and downs; or in for adventure will help you avoid taking financial advice that makes you uncomfortable.

About Luna Jaffe

Luna Jaffe is a Certified Financial Planner™ and Accredited Asset Management Specialist with more than 10 years of financial advising experience. She holds a master's degree in Depth Psychology and a bachelor's in Bilingual Education. Jaffe is a popular speaker whose creative compassionate approach to financial guidance differs sharply from male-oriented approaches. Securities and advisory services offered through KMS Financial Services, Inc.

MOLINE, Ill., Nov. 8, 2013 (GLOBE NEWSWIRE) -- QCR Holdings, Inc.
(Nasdaq:QCRH) today announced that on November 7, 2013 the Company's
board of directors declared a cash dividend of $0.04 per share payable
on January 7, 2014, to stockholders of record on December 20, 2013.

QCR Holdings, Inc., headquartered in Moline, Illinois, is a
relationship-driven, multi-bank holding company, which serves the Quad
City, Cedar Rapids, and Rockford communities through its wholly owned
subsidiary banks. Quad City Bank & Trust Company, which is based in
Bettendorf, Iowa, and commenced operations in 1994, Cedar Rapids Bank &
Trust Company, which is based in Cedar Rapids, Iowa, and commenced
operations in 2001, and Rockford Bank & Trust Company, which is based
in Rockford, Illinois, and commenced operations in 2005, provide
full-service commercial and consumer banking and trust and asset
management services. Quad City Bank & Trust Company also engages in
commercial leasing through its wholly owned subsidiary, m2 Lease Funds,
LLC, based in Milwaukee, Wisconsin. With the acquisition of Community
National Bank on May 13, 2013, the Company now serves the
Waterloo/Cedar Falls, Iowa community through Community Bank & Trust, a
division of Cedar Rapids Bank & Trust Company.

Special Note Concerning Forward-Looking Statements. This document
contains, and future oral and written statements of the Company and its
management may contain, forward-looking statements within the meaning
of the Private Securities Litigation Reform Act of 1995 with respect to
the financial condition, results of operations, plans, objectives,
future performance and business of the Company. Forward-looking
statements, which may be based upon beliefs, expectations and
assumptions of the Company's management and on information currently
available to management, are generally identifiable by the use of words
such as "believe," "expect," "anticipate," "predict," "suggest,"
"appear," "plan," "intend," "estimate," "annualize," "may," "will,"
"would," "could," "should" or other similar expressions. Additionally,
all statements in this document, including forward-looking statements,
speak only as of the date they are made, and the Company undertakes no
obligation to update any statement in light of new information or
future events.

A number of factors, many of which are beyond the ability of the
Company to control or predict, could cause actual results to differ
materially from those in its forward-looking statements. These factors
include, among others, the following: (i) the strength of the local and
national economy; (ii) the economic impact of any future terrorist
threats and attacks, and the response of the United States to any such
threats and attacks; (iii) changes in state and federal laws,
regulations and governmental policies concerning the Company's general
business, including Basel III, the Dodd-Frank Wall Street Reform and
Consumer Protection Act and the regulations issued thereunder; (iv)
changes in interest rates and prepayment rates of the Company's assets;
(v) increased competition in the financial services sector and the
inability to attract new customers; (vi) changes in technology and the
ability to develop and maintain secure and reliable electronic systems;
(vii) the integration of acquired entities, including CNB; (viii) the
loss of key executives or employees; (ix) changes in consumer spending;
(x) unexpected outcomes of existing or new litigation involving the
Company; and (xi) changes in accounting policies and practices. These
risks and uncertainties should be considered in evaluating
forward-looking statements and undue reliance should not be placed on
such statements. Additional information concerning the Company and its
business, including additional factors that could materially affect the
Company's financial results, is included in the Company's filings with
the Securities and Exchange Commission.

(DES MOINES) - Lt. Gov. Kim Reynolds departs Sunday, Nov. 10, for the World Forum for Direct Investment in Shanghai, China.

On Tuesday, Reynolds will be the featured speaker on the forum's opening panel to promote the state of Iowa and direct economic investment to an audience of international leaders.

Joining her on the panel will be the president of Embraer China, the Head of Business Development for Nestle, the State Secretary for Foreign Affairs/Economic Relations of the country of Hungary, and the CEO of Greatview Aseptic Packaging.

"Participating in this conference, combined with other meetings in the area, continues to cement the economic ties Iowa has with China," said Reynolds. "It is my hope that this visit will expand foreign direct investment opportunities and provide further economic prospects for the people of Iowa. I am excited to return to China and share Iowa's incredible success story as a reliable, hard-working economic partner."

The Iowa Economic Development Authority has scheduled other business meetings while Reynolds is in China.

Reynolds returns on Tuesday, Nov. 13.

For the conference website and agenda, visit http://www.worldforumforfdi.com/index.cfm

20 Years and Still Going Strong

MOLINE, Illinois, November 4, 2013 - Get ready to celebrate a major milestone: Exotic Imports is proud to announce the celebration of its 20th anniversary in SouthPark Mall.
Exotic Imports officially opened in SouthPark Mall on November 7, 1993. At the time, SouthPark was one of the largest enclosed malls in the entire state of Illinois. Exotic Imports brought an eclectic mix of gifts and ethnic ware to the community.

Today Exotic Imports is a premier provider of high-quality handcrafted artifacts to local shoppers. Throughout the store, you can experience a large assortment of items that are imported from the world over. Focusing on quality and value, Exotic Imports looks to transport you to another world by providing interesting items and descriptions that give you insight into why, where and how these items are made.

"Through a diverse assortment and presentation of authentic, fine-quality, ethnic items and giftware, we want to enlighten you on differing cultures and bring you to another world," said Dave Cahoon, Owner, Exotic Imports, SouthPark Mall. "Exotic Imports is a staple of the community and we expect to keep it an invigorating shopping experience for years to come."

The community is invited to celebrate Exotic Imports 20th anniversary with a formal ribbon-cutting that will take place on November 7, 2013, at 12:00 p.m., refreshments will be provided at the entrance to the store which is near Younkers court and BookWorld. Local city officials, including the Quad Cities Chamber of Commerce will be attending.

For more information regarding this anniversary, contact Exotic Imports at 1-888-Exotic-8 or info@exoticimports.com.

For a complete listing of family-friendly activities at SouthPark Mall, visit www.shopsouthparkmall-il.com or follow us on Facebook and Twitter to receive the most up-to-date information.

Macerich (NYSE: MAC) an S&P 500 company, is a fully integrated self-managed and self-administered real estate investment trust or REIT, which focuses on the acquisition, leasing, management, development and redevelopment of regional malls throughout the United States.

Macerich currently owns 59 million square feet of real estate consisting primarily of interests in 57 regional shopping centers. Macerich specializes in successful retail properties in many of the country's most attractive, densely populated markets with significant presence in California, Arizona, Chicago and Greater New York Metro. Additional information about Macerich (NYSE: MAC) can be obtained from the Company's website at www.macerich.com.

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Sen. Chuck Grassley of Iowa today made the following comment on the announcement that SAC Capital Advisors has agreed to plead guilty to insider trading violations.  Grassley, Ranking Member of the Judiciary Committee, has urged the Securities and Exchange Commission and the Justice Department to crack down on Wall Street wrongdoing.

"According to media reports, the last time a major Wall Street firm entered a guilty plea was 1989.   That makes you wonder what happened to prosecution over the last 24 years.  I'm looking for continued focus on strong prosecution, including admissions of wrongdoing.  Letting up on Wall Street wrong-doers is part of what led to the financial crisis in the first place."

December is National Write a Business Plan Month - so designated to encourage unhappy employees to become their own satisfied bosses. Whether your goal is to own your own business, become a consultant, a speaker or an author, you'll need to start with a business plan.

Even if you launched your business years ago, it's important to revisit and refresh your plan. In recent years, the economy, technology and consumer habits have changed rapidly and dramatically, affecting every aspect of your business. That makes it absolutely vital to re-evaluate your short- and long-term strategies.

One of the most critical elements of any business plan is your marketing strategy. Too often, people don't think through that all-important component with the same rigor they tackle aspects like projected cash flow and long-term goals.

Or, they do put thought and effort into planning for market research, promotion and positioning - and then never follow through on their great ideas.

One problem is that most entrepreneurs (or professionals or authors) don't have marketing experience. They may be skilled tradesmen, savvy financial advisers or talented writers - the expertise they plan to build their business around - but they're not marketers. Some don't realize that executing a solid marketing strategy is essential to any venture's success; others know it's important but don't know where to begin.

Here's why it's so important: You may have the book that changes the way business is done, or the product that solves a problem for lots of consumers, but if no one knows about it, they can't come looking for it. Marketing is the fundamental building block of any business; it's what drives the business, so it can't be an afterthought.

The marketing component of your business plan should include a budget for time (if you're going to tackle the job yourself) and/or money. You need a timetable and a professional website that attracts visitors and makes it easy for them to learn more about you, your product, book or service -- and equally easy to purchase what you're selling.

Here are some other points to consider as you're developing your marketing plan:

• What is my message? Your message needs to be more than "My product is great." What's the problem it solves? If you're a professional, what's the value you and your service offer? How are you different from your competition? As an example: At EMSI, we create visibility and credibility for our clients using a pay-for-performance model that guarantees media exposure and sets us apart from our peers.

• Who is my audience? Unless you have a niche product, consider your potential audience in terms of ever-expanding ripples. For instance, a collapsible coffeepot may be just the thing for a college student's tiny dorm room. That's your initial target audience. But his parents and grandparents, who are helping outfit that dorm room, might also be audiences. If they've downsized their living quarters, they might just want one for themselves, too. In fact, it could be great for campers, boaters - anyone living in a small space.

• Which are the appropriate media outlets for a PR campaign? Social media is great for niche products because online forums build communities around common interests. Daytime TV talk shows tend to have audiences with lots of women. Most newspaper readers are now 55 or older. Once you have decided who your audience is, figure out what they're watching, listening to, reading, and doing online, then customize your message for that medium and audience.

• What's your budget? When you've answered these questions, you should be able to determine how much marketing you can do yourself (if you'll be doing any at all) and how much you'll need help with. If you're handling it yourself, budget for the time it will take to do things like keeping your website active with fresh blog posts once or twice a week; posting content on social media; developing pitches to get print, radio or TV interested. If you plan to pay a professional for marketing services, use your marketing plan to explore the costs and timetable, and budget accordingly.
Whether you're launching a dream or strengthening your existing business, you need to lay a good foundation with a solid plan. If marketing isn't an important component of that plan, your rocket to the moon will likely fizzle and fade.

About Marsha Friedman

), a national firm that provides PR strategy and publicity services to businesses, professional firms, entertainers and authors. Marsha is the author of Celebritize Yourself and she can also be heard weekly on her Blog Talk Radio Show, EMSI's PR Insider every Thursday at 3:00 PM EST. Follow her on Twitter: @marshafriedman.

The Gifting Store is a new online gift store that offers one-of-a-kind gifts with a purpose.  Irene, owner of The Gift Store, has combined her love of eco-friendly gift giving with her deep rooted sense of responsibility to protect the environment.  In addition, her business model incorporates partnerships with fair trade companies that guarantee the ethical treatment of artisans in developing nations.  Irene says, "Our unique collections of gift items either protect our natural resources or, through fair trade practices, enable an artisan to rise above poverty."

We hope you will be interested in learning more about our artisans and our mission.


Thegiftingstore.com...the place to shop for eco-friendly gifts!
 
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Quad City International Association of Administrative Professionals (IAAP) Presents a FREE Seminar on November 11, 2013

The Quad City International Association of Administrative Professionals (IAAP) will be presenting a FREE Seminar on Monday, November 11, 2013 at the WIU River Campus, 3300 River Drive in Moline, Illinois.  The speaker will be Dr. Ann Walsh, Professor of Management and Marketing at Western Illinois University and she will be presenting "Experiences with International Cultures".

Networking/Gathering begins at 5:30 PM, Dinner at 6:00 PM (reservation is required - meal cost is $8.00) and the speaker will begin at 6:30 PM. Following the presentation, a short chapter business meeting will be held.

To register, please contact Chris Brown by 11:00 AM by Friday, November 8, 2013 at 309.371.9587 or email her at MC-Brown@wiu.edu.

 

For more information, go to our website at www.iaap-quadcity.org/quadcity/meetingsevents

 

IAAP is the world's largest international association of administrative professionals. IAAP offers professional development, leadership training and networking opportunities for administrative professionals. IAAP is a non-profit, volunteer association.

Joining a professional organization demonstrates your commitment to your career. Work is most rewarding when we do it with enthusiasm and give it our best. Through IAAP you will gain knowledge, confidence and contacts that will help you advance professionally. IAAP works to build a professional image of administrative professionals in the workplace.

IAAP membership is open to all persons working in the administrative field, along with business educators, students, firms and educational institutions. There is no test of sponsorship required. Through IAAP qualified professionals can test for the certification rating, the benchmark of excellence in the administrative profession.

For more information please contact Kathy Riley at (309) 489-6122.

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Yesterday marked the first meeting of the Budget Conference Committee.  This bicameral, bipartisan panel is tasked with reaching an agreement between the House and Senate that tackles our nation's fiscal challenges.  Deliberation, debate and negotiation is how the legislative process is meant to work.

The fiscal problems facing the country are great.  The problem is not that we tax too little; it's that we spend too much.  Deficits are continuing to grow and the resulting debt will grow faster than GDP.  The Congressional Budget Office says this path is ultimately unsustainable.

I disagree with those who believe raising taxes is the solution to reducing deficits and paying down America's debt.  I don't believe we need to grow government in order to create jobs, to grow the economy or increase the prosperity of Americans.  A more prosperous America does not result from an ever larger, more intrusive government.  Spending less and taxing less will do more good for the economy.

Transparency, accountability, and fiscal integrity should be our key goals as negotiations begin.  On the budget conference committee, I intend to drive a hard bargain on behalf of the taxpaying public.  My message is simple and straightforward:  Washington cannot tax, spend and borrow its way to prosperity.


Click here to see video

Washington, D.C. - Congressman Dave Loebsack announced today that he will be holding roundtables throughout Iowa's Second District to discuss the impact stalled legislation is having on Iowa's rural economy. On his Investing in Iowa's Rural Economy Tour, Loebsack will talk with farmers and other leaders in the rural community about the importance of passing the Farm Bill and the Water Resources Reform and Development Act (WRRDA). Both pieces of legislation, which are vital to Iowans, have been held up due to political games being played in Washington.

 

The weeklong series of roundtables will begin TOMORROW, Friday, November 1 in Newton and Knoxville. Loebsack will also make stops in Muscatine, Des Moines, Lee, Scott, Clinton, Jefferson, Wapello, Clarke, Appanoose and Monroe Counties. Additional locations and details will be announced throughout the week. Media are invited to attend.

 

Investing in Iowa's Rural Economy Tour - Friday, Nov 1

 

Jasper County

1:00pm

ISU Extension Office

550 N. 2nd Ave. W.

Newton

 

Marion County

3:00pm

Farm Bureau Office

1017 North Lincoln

Knoxville

 

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