Thought-Leading CEO Reviews Time-Tested Principles

Technology is moving much faster than many of our institutions - while it continues to change the way people interact with businesses, many corporate leaders are still operating as if it didn't exist, says Thought Leader Architect Mitchell Levy.

"There are countless corporate leaders who do not recognize how today's shopper is different from yesterday's," says Levy, author of "#Creating Thought Leaders Tweet," (www.thinkaha.com/experts2gurus).

"Today's customers often become well-informed about products available to them even before companies have had a chance to reach out to them. They've made tech tools, from social media to mobile apps, an intimate part of their daily lives; the corporate leaders who have not done this often don't understand the new ways people are learning about and using - or not using - their products."

Corporate leaders can remedy that by becoming thought leaders, both within their businesses and beyond the corporate walls, and filling their ranks with thought leaders, Levy says.

"They need to become the voices that customers and industry peers turn to for expert advice, the voices that influence customer and industry decision-making," Levy says.

Anyone with expertise in their industry can do that with two core essential tools: a book they've authored, and social media.

Levy identifies four nuggets management should keep in mind:

• Make sure you are getting the right H.E.L.P.: This is an acronym Levy uses when evaluating a company; it stands for Healthy following, Execute well, Leadership and Proven platform. A healthy following means overall respect and esteem, both from colleagues in an industry and from customers. Increasing visibility online, utilizing social media platforms, blogs, search engine optimization (SEO) all contribute. Execute well and leadership are self-explanatory. "P" involves utilizing a marketing platform that allows you to reach your intended audience.

• The world seeks brands. People listen to and buy from people they know, like and trust: As consumers ourselves, we all are familiar with the visceral reaction we have to strong brands, everything from the Apple logo to our favorite paper towels at the local grocery store. Building your brand involves making sure that you're recognized in multi-sensory ways, and that customers associate what they hear, see and read with a very high rate of customer satisfaction. This means establishing a visual and interactive presence, and addressing any customer dissatisfaction.

• There is one reason thought leaders make it look so easy: they work at it all day, every day: Speaking of Apple, it would be an understatement to call the late Steve Jobs a perfectionist. The man who said, "My job is not to be easy on people. My job is to make them better," was never one to assume good things will happen on their own. Likewise, if an organization is to be at or near its best, leaders need to be "on it" 24/7 - knowing what to focus on and what to ignore.

• Thought leaders create trends and influence the industry: In business as in most areas of life, there are innovative leaders and those who follow them. The perceived brilliance of an idea is not just in how good it is, but in how bold it comes across. Of course, a bad idea will show itself in time. A leader cannot be afraid of stating his or her position clearly, or of thinking outside the box.

About Mitchell Levy

Mitchell Levy, Thought Leader Architect and CEO at THiNKaha, has created and operated 15 firms and partnerships since 1997. Today, he works with companies who are active in social media to leverage their IP and unlock the expertise of the employee base to drive more business. He is an Amazon best-selling author with eighteen business books including the recently released #Creating Thought Leaders Tweet. He has an extensive network, which he taps into to drive success for those around him. Levy is a frequent media guest and a popular speaker. In addition to the companies and joint ventures he has started, he has provided strategic consulting to over 100 companies, has advised over 500 CEOs on critical business issues through the CEO networking groups he's run, and has been Chairman of the Board of a NASDAQ listed company.

Financial Expert Offers Tips to Avoid
a Hefty Bill from Uncle Sam

Uncle Sam wants you! That is, he wants you to spend your Individual Retirement Account in a manner that he finds appropriate, says independent retirement advisor Gary Marriage, Jr.

"Millions of Americans have put away money into their IRA throughout their professional life, which the government encourages with tax-deferred growth throughout the working years, allowing employees to accumulate more money faster - but there's a catch," says Marriage, CEO of Nature Coast Financial Advisors (www.naturecoastfinancial.com), which specializes in maximizing retirees' finances. He is also responsible for Operation Veteran Aid, which benefits wartime veterans and their families.

"The government's Required Minimum Distribution, RMDs including 401(k)s, 403(b)s or 457 plans, paint retirees and their employer-sponsored retirement plans into a corner."

That's because by the time retirees reach the age of 70½, RMDs require individuals to make withdrawals, which are heavily taxed, he says. Marriage explains the process further with the theoretical example of John and Mary Smith:

• Smooth sailing ... at first: By age 65, the couple has saved $500,000 in their IRA, and because they have been taking no income from it, they're averaging a 6 percent return each year. They sail along smoothly, compounding the growth in the account and earn a return of $40,147 by age 70. But halfway through that year ...

• Compounded tax liability: At 70½, John's IRA has an accumulated value of $669,113. Therefore, his RMD - the amount he's required to withdraw - is  $24,420.  John and Mary weren't expecting the tax bill this creates, which, in their 25 percent tax bracket, is a staggering $6,105! More upsetting to the couple, however, is that this scenario will continue for the rest of their lives.

• Down the road: Fast forward to age 90 and the total withdrawals the couple have been forced to take reaches $908,005. The total taxes owed are a staggering $227,001 - which goes straight to Uncle Sam! Worse still, when John and Mary pass away, their children will pay taxes on the remaining money - likely at a much higher tax rate.

• The solution: Rather than wait for the inevitable RMD, John and Mary can convert to a Roth IRA. This entails taking their distributions early, at age 65, even though they are not required to do so. Each year for 10 years they withdraw $67,934, pay a tax bill of $16,983 from that sum and return the balance to the account. The net effect throughout the 10-year period is a total taxable distribution of $679,340 for a total tax bill of $169,835. The good news for John and Mary, however, is that they are now done paying taxes on this account, forever. They went from taxable distributions of $1.6 million to just $679,000, thus reducing the amount they owe on taxes by almost $1 million dollars! And the money that their beneficiaries receive will be tax-free.

"This scenario considers a number of variables, all of which are different for every client we work with," Marriage says. "As a general rule, however, the sooner you begin the conversion process, the more you stand to gain."

About Gary Marriage

Gary Marriage, Jr. is the founder and CEO of Nature Coast Financial Advisors, which educates retirees on how to protect their assets, increase their income, and reduce their taxes. Marriage is a national speaker, delivering solutions for pre-retirees, business owners and seniors on the areas affecting their retirement and estates. He is an approved member of the National Ethics Bureau, and is featured in "America's Top Hometown Financial Advisors 2011." Marriage is also the founder of Operation Veteran Aid, an advocate for war-time veterans and their families.

Market Analyst Shares 5 Tips for Institutions, Traders & Anyone
Else Dealing with Lifestyle Changes & Money Flux

You don't have to be a trader on the world's markets to experience the financial roller coaster, says mathematician Lambros Klouvidakis.

"The world has struggled in recent years to absorb the many stresses and negative influences on global markets and everyone's affected. Look at the senior citizens who lost as much as 40 percent of their retirement investments!" he says. "At one point during the crisis, the Dow Jones Industrial lost 50 percent of its value in less than a week; unemployment shop up more than 5 percentage points and consumer spending, at its worst, dropped by 50 percent."

Traders, however, gain and lose on a regular basis, and we can learn a lot from their experience, Klouvidakis says.

The Canadian market analyst has spent more than 12 years, producing more than 9,000 pages of notes, developing a formula called Semathy (www.semathy.com) that accurately calculates forthcoming exchange rates. Videos on his site document the time of his foresights and when stocks hit enumerated targets. And yes - he's counting on more downs, and ups, ahead for all of us.

Klouvidakis offers tips for traders and anyone else experiencing major shifts in their finances:

· Set the right tone immediately. If you've lost a chunk of money and your lifestyle is already compromised, understand that you can get it back. Rather than wasting energy trying to blame someone or something, focus your efforts on problem-solving. Not only does this mindset put time to good use, it also diverts you from negative and painful feelings. On the flip side, if you have recently come into a large amount of money, smart investments and shrewd spending are equally important.

· Take stock of your human assets. Remember, you have important assets that don't show up on the net worth statement. Education, experience, skills and knowledge are hard to put a dollar value on, but don't overlook them as a resource. Talk to other traders about ways to use strengths and skills during this time of income change and in the future.

· Share the burden & ask for advice. During times of stress, the support of friends and acquaintances is critical. New traders, for example, have difficulty revealing their vulnerability and inexperience to more seasoned traders, but when they do, they open the door to receiving excellent advice. The same is true for those who are not marketplace professionals but need encouragement.

· Accept change and uncertainty (be flexible). Income changes require that we prepare for a journey of uncertainty. We often cling to the very things that hold us back. Traders who adjust well to change know when to hold on to a position and when to let go. Many of us grew up believing strength meant holding on, when it often takes more strength to let go and move on.

· Don't forget your family. Trading, looking for a job or studying for a new career can be consuming, but even when things have gone bad ? especially when things have gone bad ? stay involved with your family and create stability at home. What's good for the family is also good for you. In difficult times, new traders tend to take others for granted and forget to provide the attention they need and deserve. If necessary, make a strong conscious effort to pull together with family and work through tough times.

About Lambros Klouvidakis

Lambros Klouvidakis is the creator of Semathy, an elite foreign exchange consultancy. He is a math expert who has dedicated 12 years of his life to the study of currency exchange behavior. The formula he developed, an algorithm based on the behavior of money and supply and demand, marks current Foreign Exchange rates versus forthcoming rates. The Semathy formula is designed to give financial institutions and governments the ability to capitalize on the foreign exchange market's unique qualities and make viable trading decisions.

By Jason Alderman

To the millions of college and high school seniors who recently graduated (and to their parents, who weathered the ups and downs of reaching that summit): congratulations on a job well done. After the celebration dies down, you'll no doubt be eager to embark on life's next chapter, whether it's finding a job, preparing for college or enrolling in military or community service.

Before you jump in feet first, however, let me share a few financial lessons I learned the hard way when I was just starting out. They might save you a lot of money in the long run and help you get closer to your life goals, whether it's buying a house, starting a family or even retiring early - as far off as that may sound.

First, pretend you're still a starving student. After landing your first full-time job, the urge to go on a spending spree for new clothes, a better apartment and a car from this decade will be irresistible after surviving on ramen noodles for four years. But unless you had generous scholarships or a rich aunt, you're probably already saddled with thousands of dollars in student loan debt.

(Note to entering freshmen: Tread carefully around student loan debt. The Consumer Financial Protection Bureau (CFPB) has a great guide for making informed decisions about paying for college at www.consumerfinance.gov/students.)

After you've factored in rent, car payments, renter's and car insurance, credit card charges, student loan balances and other monthly bills (not to mention payroll taxes such as Social Security tax, which went up 2 percent this year), your new salary probably won't go as far as you'd like, especially if you're trying to save for one of those life events.

That's where a budget can help. Numerous free budgeting tools, including interactive calculators, are available at such sites as the government-sponsored MyMoney.gov (www.mymoney.gov), the National Foundation for Credit Counseling (www.nfcc.org), Mint.com (https://www.mint.com) and Practical Money Skills for Life (www.practicalmoneyskills.com), a free personal financial management program run by Visa Inc.

Next, know the score, credit-wise. Many people don't realize until it's too late that a poor credit score can trash your financial future. After you've missed a few loan payments, bounced some checks or exceeded your credit limits, you'll probably be charged higher loan and credit card interest rates and offered lower credit limits (if not denied credit altogether), unless and until you can raise your credit score. You may even have to pay higher insurance rates and harm your ability to rent an apartment or get a cell phone.

To know where you stand, review your credit reports from each of the three major credit bureaus (Equifax, Experian and TransUnion) to find out whether any negative actions have been reported and to look for errors or possible fraudulent activity on your accounts. You can order one free report per year from each bureau if you order them through www.AnnualCreditReport.com; otherwise you'll pay a small fee.

To learn more about credit reports and scores, visit the CFPB's "Ask CFPB." Another good resource is What's My Score (www.whatsmyscore.org), a financial literacy program for young adults run by Visa, which features a free, downloadable workbook called, "Money 101: A Crash Course in Better Money Management," and other free tools.

You worked hard to graduate. Just make sure you don't sabotage your efforts by starting out on the wrong financial footing.

200,000 SQUARE FOOT OUTDOORS STORE TO ANCHOR
LUXURY POINT DEVELOPMENT IN SAYREVILLE, NEW JERSEY

With over 15 million people within a 50 mile radius, company predicts this will be
its highest sales volume store ever!

Springfield, MO?(June 7, 2013)--- Bass Pro Shops, America's most popular outdoor retailer, will open a store at Luxury Point, one of the largest new mixed-use developments in the United States, in Sayreville, New Jersey. The new 200,000 square-foot Bass Pro Shops® Outdoor World will be located at Garden State Parkway and Chevalier Avenue and is scheduled to open in 2015.  Some 400,000 cars per day pass directly by this site and, with more than 15 million people within a 50 mile radius, the company predicts this will be their highest sales volume store to date.

Luxury Point, located just 30 miles from Manhattan and minutes away from Staten Island in Sayreville, NJ, will center around a 1.2 million-square-foot luxury mall and 723,000 square-foot entertainment district encompassing luxury retail, waterfront and recreation destinations, along with 2,000 high-end residential units, office space, high end hotels and two luxury marinas.

The 8 million-square-foot development will also include waterfront dining, a community center, bike trails, walking paths, and abundant green and open space including a waterfront promenade.

"We are excited about this location and very grateful to developer Brian O'Neill and his family for selecting Bass Pro Shops to be the premier anchor tenant in what may well be one of the most exciting new retail developments in the world," said Bass Pro Shops founder Johnny Morris.  "This highly visible location is easily accessible and will allow us to bring Bass Pro Shops' low prices and famous friendly service to the many sportsmen and women in the region," Morris continued.

The 453-acre site lines three miles of highly visible waterfront along the Raritan River, and 24 lanes of highway in one of the most densely populated and affluent areas of the United States.  When completed, it will be one of the most significant developments ever built in the New York area, with more than 30 million visitors expected annually.

"Luxury Point will be the largest mixed-use development under construction in the United States.  When complete it will also be the most significant luxury retail development in 30 years," states Brian O'Neill, Founder and Chairman of O'Neill Properties Group.  "Bass Pro Shops redefines retailing of outdoor equipment for hunting, fishing and boating in the Northeast.  The new location at Luxury Point will be the largest store East of the Mississippi and O'Neill Properties is thrilled to have Bass Pro Shops as our leading anchor tenant."

Luxury Point is surrounded by one of the busiest intersections in the United States, just off the New Jersey Turnpike, Garden State Parkway, U.S. Route 9 and NJ Route 35, and close to I-287 and Route 440.  More than 400,000 cars pass the site daily, and over 600,000 per day in the summer months.  In addition, there will be regular mass transit service available.

The planned Bass Pro Shops location at Luxury Point will be the size of five football fields with expansive aquariums, waterfalls and museum quality fish and wildlife dioramas onsite along with a huge selection of outdoor gear.

Bass Pro Shops will host over 120 million people visiting their 77 stores and Tracker Marine Centers across America and Canada this year; the average customer stays 2 ½ hours and drives an average distance of 50+ miles.  Bass Pro Shops was recently named by Advertising Age magazine as one of the Top 10 Hottest Brands in America along with name brands such as Old Spice, M&M's, iPad and Droid.  Also, Bass Pro Shops has been recognized numerous times for their conservation and outdoor education efforts, as well as being named by J.D. Powers & Associates as one of the top eight retailers in America for customer service excellence.

Bass Pro Shops' unique, award-winning, mega-sized outdoor stores are known for combining retail with entertainment, conservation and outdoor education. More than just a fishing and hunting store,  Bass Pro Shops stores offer equipment and clothing for hiking, backpacking, wildlife viewing, camping, outdoor cooking and more.  A gift and nature center will also serve up a wide variety of outdoor-related items from lamps and dishes to bird feeders and furniture.

The expansive boat showroom will feature Tracker, Nitro, SunTracker, Tahoe, Grizzly and Mako boats built by Tracker Marine Group, the world's largest manufacturer of fishing boats.

The Sayreville Bass Pro Shops Outdoor World will feature the much- acclaimed Uncle Buck's Fishbowl and Grill. This nautical-themed entity located within the store, features a truly unique atmosphere and design geared for family fun and dining.  Twenty lanes will offer customers the chance to bowl 'in the ocean. Casual family dining will be available in the Grill where customers may select from a menu featuring a variety of appetizers, sandwiches, salads and burgers.

Bass Pro Shops' unique exterior and interior motifs have branded them as visually appealing, high quality outdoor stores. The outdoors feel is brought indoors through massive log and rock work, large indoor aquariums and water features stocked with native fish species as well as an extensive collection of museum quality fish and wildlife mounts.  Historic photos and exhibits will pay tribute to the regions great outdoor heritage.

Local response to Bass Pro Shops and the Sayreville Seaport Associates reaching an agreement has been extremely positive and welcoming.

"This announcement is the culmination of 14 years of hard work to redevelop the National Lead Property.  I am convinced this site will ultimately become the Gold Coast of Sayreville and will provide a consistent stream of tax revenue and jobs for the direct benefit of Sayreville residents," said Kennedy O'Brien, Mayor of Sayreville.  "I look forward to the groundbreaking of this long awaited project."

Raniero Travisano, Chairman of the Sayreville Economic and Redevelopment Agency (SERA), is pleased to bring the nationally recognized retail leader in family oriented outdoor activities to Luxury Point at Sayreville.  "Bass Pro Shops will be the first retail store to be built at Luxury Point and will act as the gateway to the project.  SERA welcomes Bass Pro Shops to the Sayreville community and looks forward to a long and mutually beneficial relationship."

"This is a major milestone in the redevelopment of the former National Lead site that will create jobs, ease the local property tax burden and improve our local quality of life," added Assemblyman John S. Wisniewski.  "It takes us one step closer to achieving my goal of restoring this site as an active part of our community."

Contact:  Katie Mitchell, Bass Pro Shops/Tracker Marine, Communications Manager (417-873-5618) kamitchell@basspro.com

About Bass Pro Shops®:
Bass Pro Shops® operates 77 retail stores in 26 states and Canada visited by over 120 million people annually.  Bass Pro Shops® also conducts an international catalog and internet retailing operation?the American Rod & Gun® wholesale division--which sells to more than 7,000 independently owned retail stores worldwide.  Outdoor World® Incentives also sells Bass Pro Shops® gift cards through over 132,000 retail outlets across America.  The Bass Pro Shops® restaurant division has 28 locations.  The company's Tracker Marine Group® (www.trackerboats.com) manufactures and sells Tracker®, Nitro®, SunTracker®, Tahoe®, Grizzly® and Mako® boats through Bass Pro Shops® retail stores and over 400 dealers worldwide.  The Resort Group (www.bigcedar.com) includes Big Cedar Lodge® and other resort properties including restaurants and golf courses. For more information regarding Bass Pro Shops® store locations, products or special events, please visit www.basspro.com.  To request a free catalog, call 1-800-BASS PRO.  Follow us on Facebook at http://www.facebook.com/bassproshops.

WASHINGTON, June 6, 2013–The U.S. Department of Agriculture (USDA) today announced that Acting Deputy Secretary of Agriculture Michael Scuse is leading a mission to promote U.S. agricultural exports to Turkey, this week. Representatives from Iowa, Minnesota, Missouri, Nebraska, North Dakota, and Pennsylvania, as well as 20 U.S. companies are participating.

During the mission, the USDA delegation will travel to Istanbul and Ankara to learn about Turkey's rapidly evolving market conditions and business environment - information that will enable businesses to develop export strategies for Turkey. Companies attending the Turkey trade mission represent a wide variety of agricultural products including dry beans, fruit and nuts, agricultural machinery and more.

"People around the world continue to demand U.S. food and agricultural products, boosting American businesses and supporting our rural communities," said Scuse. "By participating in this trade mission, U.S. agribusinesses will gain first-hand market information and meet with distributors, importers and other business contacts so they can position themselves to expand their presence in Turkey by promoting the quality, variety and reliability of U.S. food and agricultural products."

With its rapidly developing economy and expanding middle class, Turkey is becoming a key market for U.S. food and agricultural products. U.S. agricultural exports to the country tripled over the last decade. In fiscal year 2012, two-way agricultural trade between the two countries reached more than $2.4 billion, with U.S. exports accounting for more than 75 percent of the total - a significant contribution to the U.S. agricultural trade surplus.

Turkey is also the second-largest country participant (behind South Korea) in USDA's GSM-102 program, which provides credit guarantees to encourage financing of commercial exports of U.S. agricultural products while providing competitive credit terms to buyers. In FY 2012, GSM-102 supported sales of approximately $700 million in agricultural commodities to Turkey, including 70 percent of all U.S. soybean and soybean meal exports to Turkey and 35 percent of all cotton.

This trade mission is the first major USDA agricultural trade mission this year for U.S. companies. Successful trade missions to China and Russia were held in 2012.

A complete list of U.S. companies participating in the Turkey agricultural trade mission can be found here.

USDA is an equal opportunity provider and employer. To file a complaint of discrimination, write: USDA, Office of the Assistant Secretary for Civil Rights, Office of Adjudication, 1400 Independence Ave., SW, Washington, DC 20250-9410 or call (866) 632-9992 (Toll-free Customer Service), (800) 877-8339 (Local or Federal relay), (866) 377-8642 (Relay voice users).

# # #
The hiring landscape facing recent college grads is inhospitable, to say the least.
Coach Micheal J. Burt and Colby B. Jubenville share ten tactics to help graduates
create a best-odds scenario for acing interviews and landing a job.

Hoboken, NJ (June 2013)?If you have just graduated from college, congratulations! Take a few moments to admire your diploma and pat yourself on the back...and then get ready to attach your nose firmly to the grindstone (again). Unless you went to school under a rock, you know that graduates are facing one of the worst job markets in recent memory. In 2012, about 1.5 million bachelor's degree holders under age 25 (that's 53.6 percent) were unemployed or underemployed. And the trend isn't on track to change this year, either: A poll released in April revealed that more than half of graduates admitted to difficulty in finding a job.

Clearly, you'll need to differentiate yourself from the pack if you want to get (and keep) a job in this cutthroat environment. And according to Coach Micheal J. Burt and Colby Jubenville, it's not just about showing how different you are from the competition; it's about showing how you'll make a difference for hiring companies.

"In today's economy, companies need to know from the outset that you'll add remarkable value instead of being a drain on the payroll," confirms Burt, coauthor along with Colby B. Jubenville of the new book Zebras & Cheetahs: Look Different and Stay Agile to Survive the Business Jungle (Wiley, 2013, ISBN: 978-1-1186318-0-5, $25.00, www.zebrasandcheetahs.com). "If you show up to an interview and give the same boring, uninspired answers that your competition is giving, your potential employers will be bored. And worse yet, they'll look at you like you're a commodity?just one more in a million other college grads who simply go through the motions once hired.

"You have to show and tell potential employers how you'll bring unique and immediate value to the table. That might seem like a tall order, but a great way to do that is to tell them how you'll positively impact the company during the first 90 days of employment."

In their book, Burt and Jubenville explain exactly what it takes for employees (and specifically, leaders) to survive and thrive in the fast-paced, always-changing, and highly competitive business world. Specifically, they say, today's companies aren't just looking for technical qualifications but for candidates with a specific "softer" skill set.

"Of course employers want to hire people who are committed and who will be on time and work hard," Jubenville says. "But they also need to know that you'll hit the ground running and that you have the ability to boost the company's overall standing, innovate, adapt, and collaborate. Leaders know that employees who are deficient in any of these areas will cause conflict and slow up the entire organization in an economy where teamwork, efficiency, and agility are crucial."

Here, Burt and Jubenville share ten tips that will help you to show your value so that you can get?and keep?a job in the chaos of the concrete jungle:

Respond quickly. On the African savannah, animals that are slow in making a beeline for food and water don't last long. The same thing is true in the concrete jungle. With such a high unemployment rate for college graduates, most jobs won't stay on the market very long after being posted. You've got to be Johnny-on-the-Spot if you want to have a shot at an interview.

"Responding quickly to a job posting will express to the company that you are eager for this particular job," points out Burt. "As an employer, I'm always impressed by candidates who are committed enough to put together articulate, personalized applications within 72 hours of posting. And who knows? Your cheetah-like speed may pay off. Maybe you'll be the first one to apply, the first one to be interviewed, and you'll so impress your interviewers with your unique skills and ideas for the company that everyone else will pale in comparison."

Show up in person (and early) when you can. While it may seem obvious, this point is worth underscoring: Now that you've secured an interview, don't screw it up by being late. (And keep in mind that in these kinds of situations, "on time" is tantamount to "late"!) Arriving at your interview with plenty of time to spare is just good common sense, but most importantly, it's the first in-person opportunity for you to show your potential employer that you're hungry, committed, and motivated.

"I can't overstate how important first impressions are," Jubenville says. "If you walk into that interview room late (or even frazzled and out of breath after dashing in from the parking lot), it doesn't matter how firm your handshake is or how impressively you're able to discuss your résumé. You have already sent the signal that you'll be a weak member of the herd. The one always lagging behind. And since the weakest member of the herd is usually the first to be picked off by predators, why go to the trouble of hiring you in the first place?"

Differentiate yourself. This is arguably the most important thing to bring to the job interview table: a clear answer to the question "What makes you different?" Whether you want to believe it or not, you're one of many freshly graduated applicants with good GPAs, well-rounded résumés, and glowing references. You're not the only one who has researched the company and spent hours prepping for interviews. However, you might be the only applicant for a junior copywriting position who can provide your interviewer with a link and sample posts to your personal blog, which has several hundred followers!

"And while it may sound cliché, a big part of differentiating yourself is simply allowing your personality, interests, values, and quirks to flavor the interview?just don't go overboard and talk for ten minutes about your passion for showing your Weimaraner!" Jubenville explains. "After all, employers aren't just hiring your skill set; they're hiring you. Your personality may get you through the door, but your character will get you the job and keep you in the job. Potential employers need to understand you, like you, and be able to envision you as a part of their team before extending you a job offer. "

Learn to leverage your past. Of course you'll talk about your education during your job interview, and you'll probably have the opportunity to discuss any other experience that might be relevant to the job. But according to Burt, one of the most important points you can make is that you know how to overcome adversity. Whether you've made poor choices in the past or have dealt with an unforeseen obstacle, employers want to know that you can clear hurdles and reinvent yourself when circumstances call for it. No organization wants to hire an employee whose hand will need to be held every time the going gets tough!

"Whether it's big or small, being able to discuss a problem you have successfully dealt with shows that you are adaptable and that you are willing to evolve into a better version of yourself," Burt confirms. "It might help to think about your life backwards: Where are you today and how did you get there? What were the major turning points or challenges? You didn't earn that degree without putting in your share of metaphorical blood, sweat, and tears!"

Showcase your innovation. As recently as ten or fifteen years ago, it was relatively safe for companies to stick with "the way we've always done things." That's not the case anymore. As the global economy becomes flatter, swifter, and more competitive, businesses in all industries are finding it necessary to think of new ways to solve problems on the fly. So even if you're going into a field that is generally seen as non-creative (such as banking or engineering), it's still smart to show that you are imaginative and innovative.

"Innovative thinking is going to instantly increase your value to a company that is trying to move forward," confirms Jubenville. "A good way to demonstrate that you have this skill is to make a video of yourself articulating why you're valuable and what you could bring to the table. In fact, Coach Burt and I sometimes ask candidates to do this very thing in order to gauge how creatively each person thinks and how they react to an open-ended assignment. If video isn't your thing, make sure to weave examples of how you've thought beyond established boundaries and actively sought efficient new solutions to problems into your interview answers."

Let them know you play well with others. Nobody is looking to hire a hotshot employee who's in it for individual glory. While these individuals tend to think of themselves as "superstars," their coworkers and bosses are more likely to describe them as "prima donnas" or "self-absorbed jerks." Instead, companies want to hire people who are willing and eager to be members of a team, and who are capable of collaborating with others to reach the best possible outcome. Increasingly, it takes the skill sets of many different people to stay competitive in the global economy. One person simply can't shoulder the load alone.

"During your interview, highlight your role in past group projects when the opportunity arises," advises Burt. "Another major way in which you can convey that you are easy to work with is to be responsive and sincere in the interview?but don't dominate the conversation. Believe it or not, some candidates interrupt interviewers mid-sentence, or are so determined to talk about a particular topic that they ignore the question that was actually asked. What's the interviewer to assume if not that this person will hijack meetings, projects, and other tasks in the same way? The bottom line is you should make sure you leave the interviewer with the distinct impression that you are both a people person and a team player."

Solve their problems. Before walking into the interview, you need to do your homework about the company you're hoping to work for. And you need to go beyond dropping a few key words or phrases into your cover letter. Being able to intelligently discuss the company overall?as well as the specific position for which you're applying?will not only show the interviewer that you are interested enough to come prepared, it will enable you to pinpoint ways in which you'll be an asset if you're hired.

"All companies want you to be able to do at least one of three things: make the company money, save the company money, and/or solve major problems," Jubenville asserts. "By doing so, you'll add immediate value. Before you go into the interview, think about specific ways in which you can tie your skills and accomplishments to achieving one of those three outcomes. Don't just say, for example, 'I took a class in supply chain management' and leave it at that. Explain how you think that knowledge would help you streamline the company's current product shipping system. Remember, interviewers care about getting to know you, but they care about determining how valuable you'd be to the company a lot more."

Be coachable. Yes, interviewers want to be assured that you have the skill set necessary to get the job (whatever it may be) done well. But they also know that no matter how qualified and experienced you are, you'll still have to learn new things pertaining to your new job and employer. And sooner or later, interviewers also know that you'll receive criticism from supervisors, clients, or both. The ability to accept constructive feedback and implement those suggestions is extremely valuable.

"Many interviewers will purposefully try to ask you difficult questions or knock you a bit off-balance just to see how you handle yourself," Burt warns. "If this happens, don't react defensively or become argumentative. Instead, show that you are flexible and willing to admit when you are wrong or when you don't know an answer. Remain calm and express an interest in learning more. Most employers worth their salt aren't looking for yes-men and blind order-takers; they simply don't want to waste time and effort coaxing inflexible employees to grow, change, and improve."

Hit the ground running. As Burt and Jubenville have pointed out already, companies want to know that you'll add immediate value if you're hired. That's why it's important for you to come to the interview not only with general ideas as to how you'd be an asset, but with at least one specific action plan for how you'd like to hit the ground running.

"Here's an example," offers Jubenville. "While doing your homework on the company, maybe you noticed that their website is confusing, cluttered, or doesn't clearly state what the company is trying to portray. Go into the interview with a 90-day plan to make it better. In my experience, most job candidates don't think about their potential roles with a company in this level of detail. Doing so will set you apart in a major, memorable way."

Show your agility. Being smart, skilled, and capable is good...but these qualities aren't very valuable if you aren't able to deploy them with quickness and efficiency. Employers want to see that you can effectively react and respond to questions and problems in a timely manner. Conveying that you seek out and respond well to challenges is a good way to prove your value in this area. You might want to discuss how you excelled despite a heavy workload during a particular semester, for example, or explain how your summer job working the customer service desk of a retail store taught you to be a swift and decisive problem solver.

"Agility in the workplace also means that you're a quick learner, not just a quick doer," Burt adds. "This is definitely something you want to get across to the employer. Try to remember what he or she says earlier in the interview so that you can tie later answers and conversations back to it."

"Here's one last tip to keep in mind when going into an interview," Burt concludes. "Never ask about money up-front?save that discussion for after you've proven your value. Once your employer knows how much of an asset you are, your request is more likely to be granted, anyway!

"And be persistent," Jubenville adds. "If you get a job offer after your first interview?and it's a position you're excited about accepting?you're one of the very lucky few. Odds are, you'll have to fill out many applications and go to numerous interviews before you reach gainfully employed status. That's okay! Keep putting these strategies into practice, and sooner or later, you'll hear those magic words: 'You're hired.'"

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About the Authors:
Coach Micheal Burt is the coauthor of Zebras & Cheetahs: Look Different and Stay Agile to Survive the Business Jungle. He represents the new age leader: the Zebra and the Cheetah. Part coach, part entrepreneur, and all leader, Coach Burt is the go-to guy for entrepreneurs who want to become people of interest, salespeople who want to be superstars, and managers who want to be coaches. He is a former championship coach and the author of eight books. His radio show, Change Your Life Radio, can be heard globally on iheart.com (WLAC). Follow Coach Burt at www.coachburt.com.

Colby B. Jubenville, PhD, is the coauthor of Zebras & Cheetahs: Look Different and Stay Agile to Survive the Business Jungle. He holds an academic appointment at Middle Tennessee State University and is principal of Red Herring Innovation and Design (www.redherringinc.com), an agency specializing in teaching people and organizations how to compete on unique perspective, education, and experience in order to create unique value. He regularly speaks on his philosophy, Collective Passion, a model that illustrates how to meaningfully connect organizations, customers, and employees.

About the Book:
Zebras & Cheetahs: Look Different and Stay Agile to Survive the Business Jungle (Wiley, 2013, ISBN: 978-1-1186318-0-5, $25.00, www.zebrasandcheetahs.com) is available at bookstores nationwide, from major online booksellers, and direct from the publisher by calling 800-225-5945. In Canada, call 800-567-4797. For more information, please visit the book's page on www.wiley.com.

WASHINGTON - Sen. Chuck Grassley of Iowa is asking the Social Security Administration to account for promised plans to reduce billions of dollars in improper Social Security payments each year.  The improper payment rate for the last fiscal year was $7.9 billion.

"Improper payments cost the taxpayers billions of dollars a year and strain the system for those who rely on the benefits," Grassley said.  "The government has to take concrete steps to fight the problem, especially when it knows the payments could be improper and fails to stop them."

In a letter to the Social Security Administration, Grassley cited inspector general and agency statistics that show the Continuing Disability Review and redetermination processes are the most important program integrity tools available to the agency, yet the agency has a backlog of those reviews or fails to conduct them as needed.  Also, the Department of Justice has not prosecuted improper payment cases because the Social Security Administration in some cases is allowing the payments to continue, despite possessing information that should trigger a review.

"Those who perpetrate fraud against the government should be stopped and prosecuted," Grassley said.  "If the Social Security Administration knows payments are improper and doesn't stop them, that's a basic management failure.  Allowing fraud sends the wrong message that crime pays."

The text of Grassley's letter is available here.

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(DES MOINES) - Gov. Terry Branstad today announced he will sign Senate File 295 on Wednesday, June 12, 2013, at 1 p.m. at Hawkeye Ready-Mix, Inc. in Hiawatha. The historic bill provides property tax relief all classes of Iowa property: agricultural, residential, commercial and industrial.

Once signed into law, Senate File 295 accomplishes the following:

  • Historic reduction stimulating job creation, with approximately $4.9 billion in tax relief over ten years.
  • Permanent property tax relief

•       10% reduction in taxable value on commercial and industrial property, coupled with a $125 million property tax credit targeted to small businesses

•       Significant property tax relief for telecom property and multiresidential property

  • No shift of the tax burden to other classes of property
  • Relief for all classes of property

•       Reduces assessment growth limitation from 4% to 3%, saving agricultural and residential property an estimated $500 million annually by year ten

  • Extends the Property Assessment Appeal Board
  • Provides approximately $90 million in annual income tax savings to Iowa taxpayers

The following event is open to the media:

Wednesday, June 12, 2013

1 p.m. Gov. Branstad signs historic property tax relief bill, Senate File 295

Hawkeye Ready-Mix , Inc.

1340 Hawkeye Drive

Hiawatha, IA

Senate File 295: An act relating to state and local finances by establishing a business property tax credit for commercial, industrial, and railway property, establishing and modifying property assessment limitations, providing for commercial and industrial property tax replacement payments, providing for the classification of multiresidential property, modifying provisions for the taxation of telecommunications company property, providing for the study of the taxation of telecommunications company property, providing a taxpayers trust fund tax credit, modifying provisions relating to the property assessment appeal board, modifying the amount of the earned income tax credit, making appropriations, providing penalties, and including effective date, implementation, retroactive applicability, and other applicability provisions.

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With all of the summertime fun to be had, for many families, living within their means goes right out the window by the time June rolls around. But if you want to reach financial independence, says John Vento, you must find ways to keep boosting your savings?even when fantastic summer vacations are calling your name. He offers several great tips on how to save up this summer.

Hoboken, NJ (June 2013)?For many of us, summertime is sacred. It's the time of year for fun and relaxing with family and friends. And so, every year we try to make the absolute most of these warm months, and more often than not that means spending money we don't have. Beach vacation with the entire family? Put it on the credit card! Country club pool membership? Just take money out of the rainy day fund! New shades and other summer duds? Whip out that plastic again! Unfortunately, notes John Vento, this spend-now-worry-about-it-later mentality means severe setbacks when it comes to reaching overall, long-term financial goals.

"Naturally everyone wants to make the most of their summer, so many folks tend to go a little spending crazy," says Vento, president of his New York City-based Certified Public Accounting firm, John J. Vento, CPA, P.C., and Comprehensive Wealth Management, Ltd., as well as the author of the new book Financial Independence (Getting to Point X): An Advisor's Guide to Comprehensive Wealth Management (Wiley, 2013, ISBN: 978-1-1184-6021-4, $40.00, www.ventocpa.com).

"Rather than living within their means, they start living the high life and very rarely can they afford it. It's one of the biggest financial mistakes people make. If you want to become financially independent, you must live within your means, and that means carefully controlling and budgeting your spending over the summer."

As Vento writes in his book, living within your means requires that you live on less than your take-home salary and any other resources you receive, such as income from an annuity or a trust. Living within your means does not mean existing from paycheck to paycheck. Living within your means does not mean living on credit or on loans. It means not only figuring out how to pay for your needs and wants, but budgeting your income so that you still have a little money left over. It also requires that you save money.

"That's right, 'living within your means' includes not only such necessities as shelter, food, utilities, and clothing," notes Vento. "You must also pay into your personal savings. Ideally, that payment should be 10 percent or more of your gross pay. And all of that can't go out the window when summer rolls around and you want to go on a nice vacation. The good news is that when your entire family works together, you can easily adopt several summer savings strategies. Think about it this way: If you can implement a plan this summer that helps you save just $20 a week and then you keep it up for an entire year, you can tuck away an extra $1,040."

Read on for a few of Vento's tips excerpted from Financial Independence (Getting to Point X) on how you can save $20/week or more this summer:

Stay cool without breaking the bank. Hot summer days mean your AC is practically running non-stop, which means your summer power bills can sometimes break the bank. But you can allay some of these costs by using a programmable thermostat to minimize your utility use and cost or by installing ceiling fans to allow you to use less air conditioning. "You should also make sure your home?especially your attic?is sufficiently insulated," notes Vento. "If the insulation in your attic is less than 6 inches thick, you are under-insulated. Insulation of 12 inches thick can lower your heating and cooling costs by 25 percent in a year."

Save on gas. A great way to cut back on how much you're spending on gas each week is to trade in your car for a bike. "If you live close enough to your work, enjoy the warm weather by biking or even walking to work," says Vento. "If biking or walking isn't an option, organize a summer carpool or start taking public transportation. Of course, if you're able, these are great changes to carry over into the fall and winter."

Wash your own wheels. It can be tempting to just zip into a local carwash and pay someone else to wash your car. But depending on the level of care you're paying for, you can spend anywhere from $5 to $30. Get outside and enjoy the weather by washing your own car. You'll save some money and will probably even do a better job on your own.

Shape up... Insurance companies take into account your physical health. Therefore, people who smoke, have high cholesterol levels, have high blood pressure, are overweight, and have other problems (including depression) will usually have higher insurance premiums than a person who is in good physical shape and health. "Use the summer to make healthy life choices," says Vento. "Clean up your diet. Stop smoking and start exercising."

...but forgo the gym membership. "Bathing suit season" as it's often called will probably have you focusing a little more on your fitness. But rather than throw out a bunch of money on a membership to a gym you might not even end up using that often, think of all of the ways you can workout outside for free. Walk, run, or bike local trails. Use workout videos. Or attend donation-based classes that allow you to pay a much more reasonable amount for your workouts.

Have fun for free. Check out "free events" offered in your neighborhood. Many towns offer free concerts and movies in the park or at the beach during the summer. Or take the family to the park for a Saturday afternoon or evening picnic.

Don't splurge on vacation. Of course, there's always a lot of build up around the yearly summer vacation. "But if you don't have the money to spend, you should absolutely look for more cost-effective options," recommends Vento. "Instead of going on expensive vacations, traveling first class, eating at the most expensive restaurants, going on all the most expensive tours, and going to overpriced five-star hotels, fly coach, cook in the hotel if possible, and go to a safe, fun, cheaper hotel."

Go green and save. Summer is a great time to make an effort to "go green" and start making more environmentally friendly choices. "A great way to do this is to refill your cleaning product spray bottles with less expensive refill bottles, instead of buying another more expensive spray bottle," says Vento. "Or replace incandescent light bulbs with compact fluorescent light bulbs (CFLs). These use more than 70 percent less energy and last much longer, which will save you money on the cost of light bulbs and on your electricity bill. And of course, you should always turn off the lights when you leave a room and take advantage of all the natural light you get during the summer."

Hang it out to dry. Instead of running your dryer during the summer, hang clothes and other laundry outside to dry. This saves money on your utility bills as well as wear and tear on your clothing.

Become a thrifty foodie. First, give up junk foods completely: Not only are they expensive, they are unhealthy. Second, plan your meals. "Doing so can save you money and time," says Vento. "When grocery shopping, you will know exactly what you need to buy so there is no excess food thrown out at the end of the week. Take advantage of readily available, in-season fruits and vegetables by cooking more at home. Then brownbag your leftovers for your lunch at work the next day. And finally, buy in bulk or use grocery store rewards cards."

"Creating a summer of fun should not leave you worse off financially than when the season began," says Vento. "Be sure to discuss and share your family financial goals with your entire family so that everyone can commit to taking these easy, responsible steps toward saving and building on your financial stability. When you make these smart choices, it makes reaching long-term financial goals all the more achievable."

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