Vol. 5 Iss. 1
January 2015
BizNOW get inspired
inspiring the creative spirit in every business leader
FEARis GOOD SETTING THE BAR:
SWIER LAW PLUS:
WAKING UP FROM A COMA: ONE WOMAN’S STORY
RECHARGE.
Renew.
REINVENT.
DON’T BE LEFT IN THE DARK. Let the attorneys at Swier Law Firm light the way with our exceptional and creative business law solutions. We deliver legal expertise to local, regional, and national clients with high expectations. Having four offices in the heart of South Dakota, Swier Law Firm stands apart based on our nationally-recognized experience, responsiveness, and results. We proudly provide innovative legal services while keeping our client’s needs in mind. Let the attorneys at Swier Law Firm make business law easier so you can get back to doing what you love... running your business.
Visit Swierlaw.com for helpful articles and tips on business issues.
Scott Swier –
Brooke Schloss –
Jake Fischer–
Maxx Hickey–
Chris McClure–
Amanda Work
Nationally Recognized Recognized Legal Legal Solutions Solutions Nationally SIOUX FALLS OFFICE 5024 S. Bur Oak Place | Suite 214 | Sioux Falls, SD 57108 605.275.5669 With additional offices in Avon, Corsica and Winner.
Please join us on:
contents
ABOUT THIS ISSUE:
RECHARGE.
Renew.
REINVENT. Biz cover model is Scott Swier of Swier Law Firm, Sioux Falls. He is photographed by Shalista along the historic Sioux River with the city skyline in the background. Don’t miss Scott’s interview as he reveals common legal mistakes, how to hire great people, and 4 questions to ask when selecting an attorney. Biz invites you to start 2015 by taking charge of your destiny. This is the time to reinvent yourself as an entrepreneur: whether it’s for the first time, or for the 21st time! We have the tools to help. Thinking of changing careers? The outlook for Health Care Advocates is strong. Prairie HealthCare discusses what a health care advocate does and how they can help you. Maybe you want to improve your credit score? We have the tips to get that score back where it needs to be. 2015 brings with it new challenges, and cybercrime is a scary issue these days. Century Link Business tells you what you can do to protect yourself and your company. A lot of us make resolutions to lose weight. Dr. David Nelson of Sanford Health talks about the obesity epidemic and what you can do to stay healthy. What’s hijacking YOUR time? Can’t seem to get anything done? Examine how you spend your day and see if you can’t make a few adjustments in 2015 to gain back some productivity. You’ve heard that paying off your own mortgage is a good idea, but did you know you can make money by owning someone else’s mortgage? We’ve got the scoop. So reclaim your passion to succeed. It’s all here in this issue of BizNOW.
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ARTICLES 5 T ime Bandits: What’s Hijacking YOUR Time? 7 R einvent yourself in 2015 9 I mprove your Credit Score FAST 10 L ocked in a Coma: How one woman fought her way back from the darkness
18 New Section: Advice From the Experts 20 Setting the Bar: Swier Law Firm 24 Everything You Absolutely, Positively Need to Know about Security in 2015
13 T he Skinny on Soybeans: They’re Losing the Fat
28 Pay off Your Mortgage or Own Someone Else’s 2 Top Strategies to Get Ahead
14 H ealthcare Advocate An Emerging Market
30 Get the Deal YOU Want: Negotiation Begins with a Strategy
16 T he link between Obesity & Disease: Is America at risk?
24 IN EVERY ISSUE Inside Biz 4 Biz Ag 13 Biz Finance 9 Biz Health 16 Biz Legal 20 Biz Real Estate 28 Biz Spiritual 33 What's NOW 34
January 2015 | BizNOWmagazine.com | 3
from the EDITOR
NOW
RECHARGE.
Renew. REINVENT. © Hannah Parker Photography
Every day you’re presented with the opportunity to reinvent yourself as an entrepreneur. These ideas can help you find the path you were meant to take, or help you stay on it if you’ve veered off:
An average of 476,000 new businesses get started each month. (Statistic via the Kauffman Foundation)
Trust your intuition. Serial Entrepreneurs will tell you that every time they start a new business it gives them the opportunity to reinvent themselves. If others don’t “get” your dream, that’s ok; true entrepreneurs follow their own vision. For example, FedEx founder Fred Smith received only a “C” on his concept for an airborne parcel delivery service when he presented his idea to a Yale professor. Visionaries look for ways to innovate around roadblocks, they see a challenge as “Our bravest and best an opportunity for lessons are not learned change, and they through success, but listen to their own through misadventure.” voice. Focus. Top
– Amos Bronson Alcott, American writer and philosopher (1799-1888)
entrepreneurs stay focused on the goal. They can flex on the way to get there, and they open their mind to possibilities. They reinvent themselves all the time, continually adding stuff that’s new and exciting. They’re passionate about what they do, and they know the right people will cross their path, through the law of attraction.
See Opportunity. True innovators don’t waste time on regret or lamenting a missed opportunity, they know another opportunity – and probably a better one - is just ahead. They see possibilities everywhere. Can that stranger be a connection? How will that idea springboard me to the next one? How can I leverage one success into three more? They don’t go from point A to point B, they circle around and zig zag and create new pathways. Because it’s then that the entrepreneurial spark bursts to light.
Publisher BizNOW Magazine, LLC. Editor Charlotte Hofer 605-376-3758 char@biznowmagazine.com Design Director/ Senior Creative Ally Vogel 605-759-5615 ally@allysart.com Director of Marketing Tim Cummiskey 605-366-1489 tim@biznowmagazine.com Director of Business Development Alan Dooley 845-235-5381 Cover Photo by Shalista Reproduction or use of the contents of this magazine is prohibited. BizNOW Magazine is published monthly by BizNOW Magazine, LLC and strives to publish only accurate information, however BizNOW Magazine, LLC cannot be held responsible for consequences resulting from errors or omissions. All material in this magazine is the property of BizNOW Magazine, LLC and cannot be reproduced without permission of the publisher. Send magazine feedback and advertising and sales inquiries to tim@biznowmagazine.com ©2014 BizNOW Magazine, LLC All Rights Reserved.
Connect with us! Visit us online at:
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@BizNowMagazine Charlotte Hofer
4 | BizNOWmagazine.com | January 2015
Publisher/Editor
for news that affects the Sioux Empire business community
by Steph Laska
TIME Bandits
Smart BIZ
WHAT’S STEALING YOUR TIME? We all have 24 hours in a day, but in today’s world an increasing number of time bandits seem to steal away the seconds, both at work and at home. What are they, and how can you avoid them? 1. T he innocent-sounding “Got a minute?” usually ends up taking a whole lot more than a minute! Most interruptions come from inside the company. You don’t have to drop everything just because someone’s asking for a piece of your time. Either resolve the issue promptly or schedule a follow-up meeting to discuss it in more detail.
2. S ometimes its customers that steal your time. Sure, a
customer is important, but if you can’t serve them in that exact moment, schedule a time when you can give them your full attention. Guard your time and deal with the most important tasks, events or meetings of the day.
they actually give you a dopamine rush. To save precious time, set your internet home page to a work-related site. Make a rule for yourself: check social media sites ONCE a day, AFTER you’ve completed a number of assigned tasks, and set a time limit. Use it as a reward, not a distraction.
5. Email and Texting – Check your email
How often do you check your phone? The average person checks their phone 110 times a DAY (and up to every 6 seconds at night) – DailyMail.com
3. S top Multi-tasking. Apple
founder Steve Jobs instructed his managers that to be innovative and productive they needed to focus on fewer things, not more. Most people cannot effectively multi-task. If a task doesn’t have to be handled by you, delegate it so you can focus on your “A” list of priorities.
4. L imit Social Media – Whether the culprit is Facebook,
Twitter, Pinterest, Reddit, YouTube or Instagram, these sites have the ability to draw you in and keep you there for hours because of their design and the many attached links that vie for your attention. Psychology Today research says
and your phone no more than 3 times a day: in the morning, noon, and at the end of the day. It’s easy to feel that you have to respond immediately to every incoming message. You don’t.
It’s a smart idea to keep notes of what your interruptions are in a typical week. Note each time someone
interrupts; that tells you the source of your interruptions and how many. You may be surprised at who - or what - is stealing your time. And remember, you can’t do it all. Focus on the tasks that are most important. Ask yourself, is this task really critical? If not, let it go. u
Steph Laska is teaching and working toward her Master’s at the University of South Dakota.
January 2015 | BizNOWmagazine.com | 5
BizBUZZ
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Selling your home is an art. It takes skill & dedication to match the right seller and buyer, and this is my specialty! 24 hours a day, I’m there for you. I have a large referral network of buyers – let’s let them know about YOUR home! (See ad on page 29)
Get to the job you love with interview tips It’s what every job seeker should know whether you’re changing careers or headed into business for the first time. During your interview, refrain from playing with your hair or touching your face, remember to make eye contact and smile. Let them know that you’re the enthusiastic and qualified candidate they’re looking for. Good luck! (See ad page 15)
Are you a real estate investor? Need cash for a flip?
Grathia can help. We invest in commercial, single, and multiple family homes that are fixed and sold or rented. We serve private investors who want their capital secured by real estate. Start making money today. (Find out more on page 17)
“I’ve been in your shoes.” “I’ve been there. I know what it’s like. Now, through Prairie Healthcare Advocacy, I help families when they face serious and, sometimes, life-threatening healthcare issues. With the complexities of today’s healthcare system, I make sure people, from children to seniors, know their options and help them get the best possible care. Give me a call, let’s talk.” (See ad page 8)
6 | BizNOWmagazine.com | January 2015
Our connections are your connections! Don’t let confusion get in the way when it comes to your business or individual health care. Avera Health Plans will connect you with resources, pricing and local agents — who can help you make the right choice. (See ad page 8)
Smart BIZ
by Biz Staff
Transformation!
Two thirds of America's millionaires are self-employed. The vast majority are small business owners who live on budgets well below their means, invest their money, and never received any kind of inheritance, according to the book "The Millionaire Next Door." Time to reevaluate. Are your methods getting you to where you want to be? We are not looking for overnight success here, but it’s time to make an honest assessment of what does and does not work in your business and personal life, and make the necessary changes to achieve your ultimate goal – to be successful. Someone once said the objective of any business is not to make the best possible widget, but to make money. Once you have selected which widget business you are in, then make the best possible one! The point being – it’s time to make changes if you are not on the right path. If you are duplicating a known industry, like making soap or running a restaurant, then you have experts and knowledge to draw from, so there is no reason not to succeed unless your product or service does not measure up to the competitors. If you are in a niche industry, then you have to market properly.
You don’t have to be unique, you have to become known, and with a good reputation, to draw in customers. If you are creating a new widget or service, then you have to create the demand as well, again, it’s in the marketing! Who would buy a rock? Not many, but a ‘pet rock’ with instructions made millions. The truth is, nobody ever got rich by doing exactly what everyone else is doing, find a way to make a difference. u
“If I had asked people what they wanted, they would have said faster horses.” – Henry Ford
Steve Jobs said, "The only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle." If you follow your passion so will your customers – and success will follow.
CLASSES START March 2nd January 2015 | BizNOWmagazine.com | 7
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IN YOUR BUSINESS
We work inside your business 5024 S Bur Oak Place, Suite #117 • Sioux Falls 57108 Phone: 605 362.2616 • Cell: 605.310.7197 sharonf@aceshr.com • www.aceshr.com
Up to 80% of the information a patient receives is forgotten immediately. And often, half of that will be incorrect.* How we help: • attend doctor appointments • explain medical terms • research treatment options • review your medications • work with your entire healthcare team • assist your elderly parents
Yvonne Mossberg, BSN, CHA President and Founder
Someone who speaks up for YOU. * according to a study by NIH
PrairieHealthcareAdvocacy.com 605 941-0868 | yvonne@PrairieHealthcareAdvocacy.com
The only controllable cost you have is work comp. us helpcaring you MAKE HEALTH INSURANCE TEAMED WITH A HEALTH CARE SYSTEM that’sLetbeen for money on your work people in South Dakota for 125 years — that’s how we’re coming together to build right comp andthe related connections and the right team with one goal in mind … affordable healthbusiness care. insurance.
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by Biz Staff
720
BIZ Finance
IMPROVE YOUR CREDIT SCORE FAST Keeping up a great credit score of 730 or better can save you money and give you access to the cash you need to expand your business. A good personal score (over 630) can reduce the deposits required for utilities such as electric, phone and cable. You can also save substantially on auto and home insurance as well as a car loan by as much as seven points, according to Lexington Law. For example, a $20,000 auto loan with good credit may carry a 6.75% rate, but a damaged score could warrant 14% or more, costing you over $4,700 over five years.
Here are some simple tips to help you maintain a good score: • E xamine your credit report and score annually and promptly address mistakes. • A lways make timely payments. Payments made early or before the balance is reported to the credit agencies will keep your debt to credit ratio low, improving your score. • I f you can’t pay the entire balance, pay more than the minimum and keep payments consistent. A drop in payment amount could mean you are in trouble. • N ever use more than 50% of your line of credit. • U se credit sparingly, don’t exceed 30% of your limit, pay it off each month. • A sk to have your credit limit increased annually. • P ay off cards with small balances and stop using them. Unused, available credit will help your score. You may need to use it once a year to avoid it being cancelled.
Not all credit blemishes are created equal, while bankruptcies, judgments and tax liens are quite severe, the effects of a one-time late payment can be corrected within a few months. If you have damaged credit, you can repair it yourself with diligence and time or enlist the assistance of a reputable credit repair agency to help you through the dispute process, but be careful, because fraud does exist in this sector. Avoid the agencies that offer 30 day repair programs or a guarantee. Apply for new credit when you don’t need it because it will cause a minor dip in your score that may last a year. Don’t use it, allow it to ‘season’, and your score will come back stronger. If you plan to get a mortgage, do not take out any new loans until after closing. You may request one free credit report annually from each of the three credit bureaus: (Equifax, Experian and TransUnion) through AnnualCreditReport.com. Make one request every four months and you can monitor your history for free. u
• A long history of good, well-managed debt will keep your score healthy. January 2015 | BizNOWmagazine.com | 9
BIZ Feature
interview by Jessica Newell
LOCKED IN A COMA: HOW ONE WOMAN FOUGHT HER WAY BACK FROM THE DARKNESS
Only 22 years old and a new entrepreneur, Tasha Hulstein was in a car accident that forever changed her life.
The accident occurred on January 30th of 2014, and Tasha was in a coma for 21 days. Originally from Hull, Iowa, Tasha was in Sioux Falls to pursue her degree in graphic design. She was simply on her way to visit friends.
“I have no memories of the accident or three days prior. When I woke up I was scared and confused.”
“I have no memories of the accident, nor of about 3 days prior to the accident, and no memories of Avera or the ICU. My first memories are when I was at Madonna Rehab Hospital in Lincoln,” Tasha tells BizNOW. “I had received a Traumatic Brain Injury that also involved my brain stem, which helps regulate cardiac, respiratory, eating and wake/sleep cycles. I almost died. I definitely did not dream, and was not aware of anyone or anything. When I came out of the coma, it was confusing. It was scary. I did not understand where I was, how I had gotten there, or what had happened. I only wanted to go home. I did not realize the severity of my accident or injuries. My life was about to change in ways I had not anticipated. I had to quit school, I was attending school for graphic 10 | BizNOWmagazine.com | January 2015
design, I had to quit my part time job. My photography business was put on hold. But, my family and my boyfriend stayed committed to me and my future. My boyfriend sat by my side while I was unconscious, and he was there when I woke up. He proposed to me while I was in Madonna Rehab, and we got married in August. I am so grateful to have had such a wonderful support system.
My second nephew was born in March, after I had started to ‘wake’ up. I was able to celebrate that event. My sister Abbie came to Madonna Rehab in Lincoln, and I was one of the first ones to hold the baby. For that I will always be thankful. I remember holding him. It was the greatest feeling, because she didn’t know if I’d even be awake when he was born. Yet I was able to hold him in my arms! This experience has changed my life. It’s made me more aware of my blessings, and how important family and friends are, and those I love. It has also reminded me how precious life is, I try to enjoy each day now and take it one day at a time. My faith has grown and I realize God has a plan for my life and I can trust that He will care for me. I try to not plan things out because ultimately God knows what’s going to happen and is going to take care of me and my life.
My life is truly a miracle and it has given me a different perspective. I have decisions and choices to make, but God will guide me. It’s also impacted my business: A Thousand Words Photography. Madonna Rehab worked with me to be able to get back to taking pictures, help me be able to process, and use the skills I had prior to the accident. With my photography, I realize how important it is to capture people at every moment in their lives. Each event, every person, is so valuable and precious and my work helps people document those wonderful, life changing moments. And that is a blessing. My business is growing and I cherish the time and opportunity with my customers. I feel blessed that they share special memories with me. I had to prioritize my time, I choose to keep running my business and put school on hold. People in this area are amazing at supporting and encouraging those who are in tough situations, and I am a grateful example of that.� u
From coma patient to blushing bride in less than a year, Tasha shines despite the obstacles she’s had to face.
Jessica Newell is Social Media Coordinator and a reporter for BizNOW magazine.
January 2015 | BizNOWmagazine.com | 11
at Your service. at Your side. At Your Service. At Your Side. at Your service. at Your side.
Fischer, Rounds & Associates, Inc. is an independent insurance agency with a broadRounds range of personal, commercial, health and life insurance products. Fischer, & Associates, Inc. is an independent insurance agency with a broad range of personal, commercial, health and life insurance products. call us in siOuX Falls
1101 W Russell Street • Sioux Falls, SD 57101 Phone: 605-336-4444 • Toll Free: 877-789-3773 • Fax: 605-274-9034 Fischer, Rounds & Associates, Inc. is an independent insurance agency with
aOffices broadalso range of personal, commercial, health and life insurance products. • Pierre • Rapid City • Watertown in Mitchell
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5 WARNING SIGNS www.FischerRounds.com OF HEARING LOSS 1. People mumble when they speak. 2. You hear but do not always understand. 3. You ask people to repeat themselves. 4. Ringing in your ears. 5. Difficulty understanding speech in a noisy background.
If you experience any of these symptoms give us a call, today! AUDIOLOGY SPECIALTY CLINIC 5124 S. Western Ave, Suite 4 • Sioux Falls, SD 57108 (605) 275-5545 • www.audiologyspecialtyclinic.com
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We can help you with a good skin care regimen. 605.334.2443 • www.bodygaragemd.com • 6301 S Minnesota Ave Suite 300, Sioux Falls, SD 57108 12 | BizNOWmagazine.com | January 2015
! $70 Billion by 2020? Organic Food Demand Continues to Grow
by Alan Dooley
THE SKINNY ON SOYBEANS: THEY’RE LOSING THE FAT.
The "organic" food label implies stricter production criteria that often precludes the use of genetically modified seed, growth hormones and synthetic pesticides. These restrictions typically make it more expensive for the farmer to grow their crop, and in exchange, consumers accept a higher price. Business consulting firm Grand View Research expects the organic segment to continue growing almost 16% per year in the U.S. At that rate, the market for organic products could double to $70 billion before 2020.
BIZ Ag
Soybeans have been put on a diet, and the future of the soybean may rest with the FDA. A decade ago they decided to start phasing out dietary trans fats. The response was for the industry to begin developing a soybean that contains no trans fats, lower linolenic levels and higher levels of oleic acid than today’s commodity bean. The high–oleic soybean varieties being developed today by DuPont and Monsanto produce a healthier and more stable cooking oil that would not need to undergo the expensive and hydrogenation process. And talk about losing pounds: the soybean industry has lost about 4 billion pounds (359
NOW
it tive spir the crea leader inspiring business in every
million bushels) of soy oil demand each year since the FDA trans fat labeling law went into effect in 2006, according to the United Soybean Board. About 2.5 billion pounds of soybean oil are still partially hydrogenated according to the American Soybean Association. When the experimental traits are stabilized and commercially launched, along with international import approvals being granted, there is a tremendous domestic economic potential if the high-oleic bean can be cost effectively produced and processed into a consumable alternative to the current higholeic canola and palm oils. u
Alan Dooley is CEO of Grathia Corp, a private lending and real estate investment firm. He has a BS in Computer Science from Rutgers University and serves on the board of the Lake County Historical Society. He is Business Development Director with BizNOW. January 2015 | BizNOWmagazine.com | 13
ey Al an Do ol me nt es s De ve lop
to r, Bu sin
Smart BIZ
Interview by Charlotte Hofer
HEALTHCARE ADVOCATE: AN EMERGING MARKET
N, CHA Yvonne Mossberg,caBS re Advocacy alth President of Prairie He
Jobs in the healthcare sector are growing quickly -- employment of health educators and community health workers is projected to grow 21 percent from 2012 to 2022, faster than the average for all occupations, according to the Bureau of Labor. Because of the complexities of the healthcare system and a rapidly aging population one of the hottest new jobs is that of a Healthcare Advocate. Biz interviewed Yvonne Mossberg, BSN, CHA and President of Prairie Healthcare Advocacy in Sioux Falls on what a healthcare advocate does, and why YOU may need one.
Why should a person consider a Health Care Advocate? People forget what the doctor tells them.
Research shows that up to 80% of the information a patient receives is forgotten immediately. And often, half of that will be recalled incorrectly, according to the National Institutes of Health.
What does a healthcare advocate do? A health care advocate’s duties vary
by the needs of the clients. For example, they might accompany a client to medical appointments – helping them understand the things the doctor says. For most people, medical jargon may be unfamiliar or confusing. An advocate can help them understand their diagnosis, medical issues, what their options may be and the care required.
Research shows that up to 80% of the information a patient receives is forgotten immediately. And often, half of that will be recalled incorrectly.
They may help people find long-term care facilities or the resources that will allow them to stay in their home longer. Advocates may specialize in working with insurance and hospital billing issues. An advocate can help families to understand what a diagnosis involves and what kind of care is usually required for a loved 14 | BizNOWmagazine.com | January 2015
one. They can also provide mediation when family members don’t understand a medical condition or don’t agree on treatment for a loved one. Advocates will take into account the patient’s wishes when developing a health care plan, making assessments and educating all family members. In general, advocates do NOT do these 3 things: any hands-on treatment, make diagnoses, or make decisions for clients - but they DO give them as much information as possible to make an informed decision.
When does a person need a healthcare advocate? Adult
children often cannot accompany aging parents with health or mobility issues to doctor visits or medical procedures and will enlist the services of a healthcare advocate. They can help you fully understand your diagnosis or your options for treatment and will typically ask questions you don’t think to ask. An advocate can also be the assertive one if a client is having difficulties and is not sure how to handle the situation or does not want to handle it themselves or when you just don’t know what to do.
Consider hiring an individual with disabilities, trained and transitioned by LifeScape. Over 60 businesses in our community already have! • Five Employment Specialists who help individuals identify job preferences and strengths. • LifeScape works with your business to find a good employee fit.
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• Coaching of your new staff member while transitioning into the job.
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Bookkeeping Financial Consulting IN YOUR Payroll BUSINESS What if a team of doctors are involved in a patient’s Human Resources care, care? When multiple doctors are involved in someone’s
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advocates can keep track of treatments and coordinate with the medical teams so that each doctor is kept up to date.
5024 S Bur Oak Place, Suite #117 • Sioux Falls 57108
Dealing with a specific or multiple health issues – such as Phone: 605 362.2616 Cell: 605.310.7197 cancer, lung disease, mental health or• aging issues can be sharonf@aceshr.com www.aceshr.com complex and overwhelming. Doctors •don’t always have time to read a patient’s chart and know what another doctor is doing. An advocate can help a patient understand what all the medications from multiple doctors are for and which drugs may be overlapping or causing unwanted side effects. They will then discuss the issues with the various physicians so the medications can be adjusted properly.
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How can a person become more proactive with their health care? Go into your appointment with a
plan. Think about what you want to know ahead of time and write out your questions. When you are there, take notes. Unfortunately, studies have shown that a person only retains about 20-30% of what is said in a doctor visit. They will retain even less if they get a serious diagnosis. That is the reason an objective third party is important. u
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5024 S Bur Oak Place, Suite #117 • Sioux Falls 57108 Phone: 605 362.2616 • Cell: 605.310.7197 renaee@inspecialtygroup.com • www.insspecialtygroup.com January 2015 | BizNOWmagazine.com | 15
BIZ Health
IS YOUR WEIGHT MAKING YOU SICK? by Dr. David Nelson
A FEW HEALTHY CHOICES COULD KEEP YOU LIGHTER AND HEALTHIER. Our country is overweight. And with every extra pound gained, we’re losing the battle with obesity, a national epidemic. Obesity carries consequences that extend beyond your jean size or the number on your scale. You are at risk for life-altering medical conditions including diabetes, heart disease, high blood pressure, stroke, sleep apnea or even dementia later in life. These conditions can lead to premature death or early placement into a nursing home. So it’s important to be proactive and to keep your body at a healthy weight before you are faced with these complicated health conditions. There are a variety of factors that contribute to weight gain such as diet, activity level, sleep schedule, medications and genetics. Eat fresh, instead of eating processed or fast food. Choose more fruits and vegetables and less carbohydrates. Try not to go more than three or four hours between meals and snacks, as skipping meals brings negative effects.
16 | BizNOWmagazine.com | January 2015
You may need to keep a food journal for a week to see exactly what you are putting into your body. This may help you clearly understand where and what you need to change to ensure your body is getting the essential nutrients and fuel it needs to maintain your health. Next, you need to get moving. Technology has allowed us to live a more sedentary lifestyle, but exercise is essential to staying healthy. Just commit to moving about 20 to 30 minutes a day. Take a walk, go for a run, ride your bike. There are a lot of things you can do to stay active that don’t require a lot of your time. If you are just starting out with a routine, remember to start slow and not overexert yourself. Start with where you’re comfortable – even if it’s five minutes. You will be able to gradually work your way up to more as you continue to exercise.
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People also underestimate the importance of a good night’s sleep. Lack of sleep can slow your metabolism and potentially add more stress, which can increase your risk for obesity. Don’t forget to be aware of the medications or health conditions you may have that could either lead to weight gain or inhibit weight loss. Check with your primary care physician to discuss your situation. Finally, there is a genetic connection that could increase your obesity risk. Although this isn’t something you can change, you are armed with the knowledge of this risk. You have the power to make choices now that can combat that risk before it ever happens. If you are concerned about your weight, or are currently overweight, my advice is to first talk with your primary care physician and have a complete health evaluation before making any drastic changes to your diet or exercise plan. You may have specific needs or conditions that should be addressed to help you find or maintain long-term success. By making a few healthy choices in your life every day, you can maintain a healthy weight and lifestyle. Remember your choices today can severely affect your life and those you love for years to come. u
David Nelson, MD, is an Internist at Sanford Health.
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Phone: 605-251-2496 • advantage-communications.com January 2015 | BizNOWmagazine.com | 17
BIZ Experts
Expert ADVICE ...ON TOPICS THAT MAT Business
Q
Why is BizNOW launching an "Expert Advice" section? Our community has many Innovators, Thought-Leaders and Visionaries! BizNOW wants to showcase Midwest talent, allowing them to share their wisdom and expertise in a wide variety of industries such as agriculture, career, health, finance, law, leadership, real estate and technology. In addition to educating our readers, this new section helps business owners increase their credibility and visibility with the general public as they share their wisdom and expertise. If you're interested in being a part of this section, contact us at info@biznowmagazine.com
Health
Q
I have heard about premium subsidies, how can I sign up for one?
Part of your premium could be paid with a premium subsidy if you do not qualify for group health coverage and fall within a certain household income level. For 2015, a family of four making less than $79,160 would qualify for lower premiums. If that family of four makes less than $49,475 they could also be eligible for lower out-of-pocket costs. Remember, to receive these subsidies, you must purchase coverage through the Health Insurance Marketplace at www.healthcare.gov.
Money
Q
How much are you paying for investment management services? Our guess, you have no clue. Most investors don’t. The average investor pays around 3%, but these fees aren’t disclosed or discussed. They’re buried in the prospectus of mutual funds, annuities, or other “financial products”. Brokerage firms created investments explicitly designed to disguise these fees. Our advice: avoid complicated products like annuities, life insurance, and most mutual funds. It’s your money, ask your advisor about fees.
Because that's what it's all about – sharing ideas, and leaders helping leaders.
NOW BizNOW Magazine char@BizNOWmagazine.com (605) 376-3758 www.BizNOWmagazine.com
18 | BizNOWmagazine.com | January 2015
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Jason Bortnem
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Think how good it could feel to find the right home and have your existing home sold. Now, think how good it would feel to have saved valuable time, maximized your dollars and had peace of mind throughout the process.
BIZ News
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NEW "BUILD DAKOTA" Real Estate WORKFORCE Think Ratchford. Think Sold. SCHOLARSHIP PROGRAM We have a vision for how easy it can be, whether you’re closing on your new home or selling the old one.
AT SD TECHNICAL INSTITUTES Gov. Dennis Daugaard recently announced that the state of South Dakota will partner with South Dakota businessman and philanthropist T. Denny Sanford to establish the Build Dakota scholarship program. Full scholarships will be offered for students entering high-need workforce programs at in-state technical institutes.
Q
We have heard talk in the news lately about the real estate market slowing; is this true? Real estate is like a roller coaster, always swinging up and down…generally, values increase over the long term. We are currently in a slight downward shift for most homes above $250,000, but prices vary with season as well as economic and political news. We expect values to be steady or increase before the end of 2015. Interesting, some people feel they need
nce and knowledge increasing values in order to improve their eam Home Vision.
situation. In reality, the best opportunities for buyers are when the market is down…. this is particularly true for the move up buyer. Interest rates will remain below 4% for a 30-year mortgage, offering great buying power for the buyer and better values for sellers.
Tony Ratchford Tony@tonyratchford.com (605) 336-8866 www.TonyRatchford.com
L to R: Megan, Tony, David, Diane, Sue
“The establishment of this scholarship will mean that each year hundreds of our young people will have the opportunity to enter highdemand fields without incurring debt. The impact of this will be huge, not only for the students who receive the scholarship but for our entire state which has been faced with workforce challenges,” Gov. Daugaard said.
5915 S. Remington Place Sioux Falls, SD 57108 Phone: 605.336.8866 T. Denny Sanford is a well-known After hours:philanthropist 605.359.4100 and South Dakota business owner. To Sioux Falls
date, Sanford has donated over $1 billion dollars to organizations across the nation. “Denny has once again stepped up to make our state a better place.” the Governor stated as he announced a commitment to match Sanford’s $25 million donation with $25 million in Future Funds to create the Build Dakota Scholarship Program. The $50 million is expected to provide 300 full scholarships annually in each of the first five years, beginning in the Fall of 2015. From 2020 on, an endowment will continue to award approximately 50 scholarships per year. The Build Dakota scholarship will be available to all students who will commit to stay in South Dakota to work in their field of study for three years. A board appointed by the Governor will determine high-need workforce areas and will administer the scholarship. Information on the Build Dakota Scholarship program can be found at doe.sd.gov/ builddakota. u
January 2015 | BizNOWmagazine.com | 19
photo courtesy of Shalista Photography
BIZ Legal
interview by Charlotte Hofer
SETTING THE BAR:
SWIER LAW FIRM
20 | BizNOWmagazine.com | January 2015
BIZ Legal
Scott Swier and his
team focus on “innovative and results-oriented strategies to help build relationships” with their clients. Here they reveal some of those strategies and how they can help you. What are common legal mistakes you see businesses make?
Swier Law Firm (L-R): Chris McClure Amanda Work Jake Fischer Brooke Swier Maxx Hickey Scott Swier
Swier Law Firm consistently deals with five common legal mistakes. First, the business should have agreements with its employees. Businesses often have trade secrets or confidential information that needs “Studies show that to be protected from small businesses actually employees who may go to work for have a higher fraud and a competitor or cybercrime rate than larger open a competing companies and business. Second, the business should have non-business owners.” a corporate structure. Business owners expose – Scott Swier their personal assets to business liability by failing to incorporate their business. Third, the business should have an owners’ agreement. When there are multiple owners of a business, one owner’s death, divorce, or a parting-of-the-ways will affect the business. Fourth, written contracts should be used. Relying on oral agreements is typically a bad idea because as time passes, memories fade, and expectations change, the potential for disagreements increases. Fifth, the business should understand the time, risk, and cost of litigation. Lawsuits frequently involve much more time than owners initially expect – time that could otherwise be spent on growing their business.
continued >
BIZ Legal (cont.)
SETTING THE BAR: SWIER LAW FIRM
How do you hire the best people? What traits should a business owner look for? Our law firm
looks for five traits in new hires. The first is honesty. An employee can have all the talent in the world, but without integrity and authenticity, nothing great can be accomplished. The second is ambition. Ambition is what makes a company innovative and results in creative ideas. The third is personality. Personality often means the difference between someone who doesn’t stay long vs. an all-star who is going to significantly increase the company’s competitive advantage. The fourth is a positive attitude. Someone who comes into work positive and energetic is going to out-produce someone who thinks negatively. The fifth is taking pride in your work. Having a sense of pride in your work reinforces your work ethic by pushing you to always perform your best.
What are 4 questions you should always ask when selecting an attorney?
• The Lawyer’s Experience. How long has the lawyer been practicing in his or her field or area of law? • Managing the Case. What are the possible outcomes of your case and how will the lawyer let you know what’s happening in your case? • Legal Fees and Costs. What are the lawyer’s rates and what is a “ballpark” figure for completing your case?
Scott & his sister Brooke Swier
Cybercrime is a hot topic today. What can a business do to protect themselves?
Studies show that small businesses actually have a higher fraud and cybercrime rate than larger companies and non-business owners. First, a business should secure its IT infrastructure. Second, a business should have a solid password policy in which passwords are changed regularly and are not easy to figure out (i.e. require one upper case letter, one number, and a minimum number of characters). Third, educate your staff on basic security threats and prevention measures. Fourth, fraud and cybercrime happens – however, you should still seek to cover any damages by purchasing an insurance policy that protects you against any losses.
22 | BizNOWmagazine.com | January 2015
• Doing the Work. Who in the office will be working on your case? Will younger attorneys or paralegals in the office be handling some of the legal work at a lower rate than a more experienced attorney will charge?
Talk about the expansion of Swier Law. What’s ahead for you? Our law firm has really been fortunate to
have the opportunity to expand throughout South Dakota. Hopefully, we’ll be able to keep growing. However, although growth and expansion is great, exceeding our client’s expectations by providing the highest caliber of legal counsel and advice will remain our law firm’s top priority.
What’s your favorite inspiring quote?
“There’s only one growth strategy: work hard.” – William Hague u
Hungry for truth about food safety? What we feed our kids is getting more complicated. That’s why South Dakota’s soybean farmers invite you to join the conversation. We’ll put everything on the table and help answer your questions about the food we grow and its safety. Learn how with every season and with every generation, South Dakota farmers want to have open discussions about how we raise healthy food. Come visit us at HungryForTruthSD.com.
© 2015, South Dakota Soybean Research & Promotion Council
BIZ Tech
by Justyn Hauck
EVERYTHING
YOU ABSOLUTELY, POSITIVELY NEED TO KNOW
ABOUT SECURITY IN 2015 Digital information is a part of almost all businesses and is every bit as important as physical assets or inventory. While the data breaches suffered by large businesses that have been in the news lately may seem a world away, the risk of stolen or lost information is every bit as real for businesses in South Dakota.
24 | BizNOWmagazine.com | January 2015
BIZ Tech Small doesn’t mean invisible and you do have something someone wants. Any attack, from a hacker looking for financial data to a virus that slows down your systems or renders them inoperable, can cost you time, money, and maybe even your business. If you are found to be negligent for a breach, you may incur significant costs, penalties, and may not get stolen funds returned. Viruses can cause expensive losses in productivity and keep you from meeting deadlines. Data security should be a priority for every business with a computer. Use Professionals. Budget for network security – it is an investment in your business’s future. When it comes to configuring and managing your systems, be willing to pay for expertise in your business size and industry. Your computer savvy nephew may be a level 45 Night Elf in World of Warcraft, but that doesn’t mean he knows how to properly secure your business’s data. Assess, adjust, maintain, and then repeat. Just like pricing models and marketing efforts, the security of your systems needs to be reviewed and updated on a regular basis to keep pace. Anything that gets added must also be secured. Outdated software versions can contain vulnerabilities, and new applications can expose you to new risks. Something like installing a guest WIFI hotspot may seem like a wonderful service to provide your customers, but failing to properly isolate it from your business network is like putting a screen door on a submarine. People can be hacked too. Social engineering is a term for methods thieves use to trick users into divulging account
information or installing malicious software. Make sure every employee understands the risks and consequences this can have. Also, limit risk by limiting access to confidential information only to those who absolutely need it. Loss is as bad as theft – Back it up. The loss of critical information and systems can be just as devastating to a business as stolen data. Regular backups are a must, but they don’t do any good if you don’t have a way to access and utilize them. You should have a plan for restoring your backups to a functional state so you can resume conducting business as soon as possible. Also, don’t keep your backups in the same physical location as your systems. A fire or natural disaster may mean the end of your server or building, but it doesn’t have to mean the end of your business. Securing your data doesn’t have to be overly time consuming. New approaches to IT, such as cloud based applications and managed services, often include security measures, software updates, backups, and professional expertise all while providing functionality that is as good, or better. Faster and cheaper broadband speeds make more flexible and manageable solutions possible and affordable. Regardless of the size and location of your company, protecting your data isn’t something that should be left to chance. u
Justyn Hauck is a sales engineer with CenturyLink Business. He has been working in business technology since 1998 and lives in Sioux Falls with his wife Stacey and children Caleb and Ava.
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January 2015 | BizNOWmagazine.com | 25
Web First. Marketing Always.
Announcing the merger of local web development juggernaut, Gage e-Services with stalwart, ad agency The A Team. From this point forward we shall be known as The Gage Team and as such we provide sophisticated website development and online marketing solutions with a full suite of advertising and marketing services. Let’s face it, today your website better come first. Without one, your business simply doesn’t exist. Get that right and everything else is easy.
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BIZ Opportunity
by Biz Staff
HIGH FLYING OPPORTUNITY THE EXCITING FUTURE OF DRONES IN BUSINESS: SKY-HIGH HOPES
Drones could generate $13.6 billion in the first three years of commercialization and create more than 70,000 jobs. And they will open up unlimited opportunities for entrepreneurs.
Unmanned aircraft systems (UAS) or drones may soon be providing all kinds of services and opening up new opportunities for entrepreneurs willing to act on a hunch. One might say “the sky is the limit”. They will change the way we do business. As the Federal Aviation Administration (FAA) struggles with regulations, the commercial and hobby world is not waiting to be inventive and innovative. Working with colleges and universities, the FAA has established test sites for domestic drone experimentation and currently estimates that by 2018, about 7,500 drones may be gracing our airways. If this prediction falls in line with other tech predictions, it’s probably off by a factor of 10 or more! Whether a license to operate a drone will be required or not remains to be seen. Privacy concerns and insurance marketers are also part of the conversation.
70,000 manufacturing, service and operation jobs. By 2025 that could grow to over 100,000 jobs and generate more than $482 million in tax revenues. Currently hobby drones are available with video cameras that can send a live feed to your smartphone for $120 to $1300 depending on the features. u
We are on the cusp of a new technology revolution that will change how we do business across all sectors. With a simple camera, drones can be used to inspect bridges, buildings and perhaps one day perform infrastructure maintenance with the adaptation of robotic arms and remote control capabilities. The Ag industry can use them for crop and livestock inspection, and apply fertilizers; the Forestry service could survey thousands of acres efficiently and find lost campers. Our power grid, oil and gas pipelines could be inspected and municipalities could spay mosquitoes and plan storm damage cleanup. There seem to be unlimited government and private practice opportunities once commercial applications are legalized. Rutgers, one of the universities working with the FAA, estimates that UAS applications could generate $13.6 billion in the first three years of commercialization and create more than
January 2015 | BizNOWmagazine.com | 27
BIZ Real Estate
by Alan Dooley
PAY OFF YOUR MORTGAGE OR OWN SOMEONE ELSE’S: 2 TOP STRATEGIES TO HELP YOU GET AHEAD
A corollary to Albert Einstein’s quote “Compound interest is the eighth wonder of the world. He who understands it, earns it, he who doesn't, pays it” is "Those who understand interest earn it; those who don't, pay it."
A person with a mortgage or someone with extra cash on hand can take advantage of Einstein’s insight to save or make thousands of dollars. While access to the stock market is easy, procuring mortgages (also called paper or notes) as an investment is not as straightforward. Let’s first examine the pros of quickly paying off your mortgage. While a $150,000, 30 year, 5% mortgage will only be $805/mo, the interest will be another $139,883 with $68,640 or 49% of the interest paid in the first 10 years, another $50,530 paid in years 11-20 or 85% of the interest due, and the last 10 years $20,800 or only 15% of the interest. (This is why banks market or sell their mortgage notes within the first 10 years). So ... with all the interest being front loaded, if you can make one extra payment per year, over 10 years, it would be $8,050 'invested' and would 'save' $15,630 in avoided interest or close to a 94% gain, far outpacing typical stock market gains over a decade and without the risk. And that one extra payment can be accomplished with a lump sum or by adding an extra $67 a month to your payment. This strategy could help the average millennial, whose savings rate is -2%, save for the long haul. On the investor side, you can create your own note by holding the mortgage when you sell property. Buying market notes entails gaining access via investment clubs, private equity firms or secondary channels such as advertisements. Notes can be obtained at a discount depending on how long the note has performed and the due date. Be sure you are getting a performing note for armchair returns or you might have to go through a foreclosure – which will take some effort but could also be profitable. u
28 | BizNOWmagazine.com | January 2015
Retirement Strategy Putting Mortgage Notes into your portfolio might be something to consider with your financial planner. They can offer stable returns as you build your nest egg. We need to thank Germany for first introducing the retirement concept in 1889. Numbers to consider. Retirement Statistics
Data
Average retirement age
62
Average length of retirement
18 years
Average savings of a 50 year old
$43,797
Total cost for a couple over 65 to pay for medical treatment over a 20 year span
$215,000
Percentage of people ages 30-54 who believe they will not have enough money put away for retirement
80%
Percentage of Americans over 65 who rely completely on Social Security
35%
Percentage of Americans who don’t save anything for retirement
36%
Number of Americans who turn 65 per day
6,000
Percentage of population that is 65 years of age or older
Why Real Estate? Why NOW? There’s never been a better time to buy than now. I work with phenomenal people with an attitude of gratitude, who share each other’s knowledge. That’s why Keller Williams is No. 1 in the industry.
UNDER CONTRACT IN 20 DAYS!
Why me? •P rofessionalism – My clients come first in every transaction. •S ioux Falls Native – I know what Sioux Falls has to offer, and I will match that with the needs of you and your family.
Let me show you how I can get your home SOLD!
•W ork ethic – I have a true Midwestern work ethic. My day doesn’t end until you are happy. •A mbition – I won't stop until your goal is met. •E nvironment – Keller Williams gives me a distinct advantage in working with you through state of the art technology. •L ong-term – I want my clients to be forever clients. I will be working for you from the day we begin until the day we close, providing the best marketing and advice possible.
Buying, selling, moving? I can help. Let’s talk.
Call: 605-376-3560
13%
Julie Bruflat, Realtor 5915 S. Remington Place • Sioux Falls, SD 57108 Office: 605-275-0555 • juliebruflat@kw.com
Out of 100 people who starts working at the age of 25, by the age 65: 1%
Have adequate capital stowed away for retirement
4%
Will still be working
3%
Are dependant on Social Security, friends, relatives or charity
63%
Are dead
29%
Savings by Age According to the Employee Benefit Research Institute, workers younger than 35 have an average of $6,000 saved. Those 35 to 44 years old have $22,500 saved on average, and those aged 45 to 54 have just less than $44,000 stowed away. The average 55 to 64-year-olds only have about $65,000 in savings and those 65 and older have saved $56,000. Retire at 65 People should start saving for retirement as early as possible and try to avoid dipping into their retirement savings early. A new analysis reported by Time says people should aim to have 11 times their final working salary saved to retire at age 65. This is on top of what you expect to get from Social Security. A 65-year-old has a 50% chance of living past 85, according to the National Center for Health Statistics. That means you’ll want your retirement income to last awhile.
BE ON TARGET!
BizNOW
Vol. 4 Iss. 12 Decemb er 2014
Will be considered wealthy
get inspired
inspiring th e creative s pirit in ever y business l eader
FIGHT FOR WHATYOU
Advertise in BizNOW!
BELIEVE IN! POET
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EXCLUSIVE WITH FILM WRITER RANDALL WALLACE
Reach the ENTIRE MARKET – men and women of all ages. Let us help you build your brand. Contact us today! Info@biznowmagazine.com or call 605.366.1489
Sources: U.S. Census Bureau, Saperston Companies, Bankrate.com
January 2015 | BizNOWmagazine.com | 29
Smart BIZ
by Gary McCann
NEGOTIATION BEGINS WITH A STRATEGY Negotiation is not something we start doing when we reach a certain age. Ask any parent of a newborn and you will find negotiation begins immediately. Lay Johnnie down and Johnnie cries, pick Johnnie up and Johnnie smiles and coos. Lay Johnnie down and Johnnie cries, and so the cycle continues. Johnnie is negotiating for your attention and winning. There are two types of negotiation. Collaborative, Win-Win, and Competitive Win-Lose. Johnnie has just exhibited a Competitive, Win-Lose negotiation. The best negotiation is a collaborative effort or, Win-Win. But how do we make a negotiation a WinWin, when our view of negotiation is a competitive Win-Lose? Here are five steps that begins with a strategy.
1
Strategy: Am I going to be active or passive, if I am active I will most probably be successful in a collaborative Win-Win negotiation; if I am passive I will most probably end up in a competitive WinLose negotiation, with me losing.
2
Issues: Primary-Secondary: These are a
part of every negotiation, whether it is monetary
30 | BizNOWmagazine.com | January 2015
or interpersonal. Primary issues are those things that can be negotiated. Secondary issues are ‘givens’ and cannot be changed. As an example, in a monetary negotiation it may be actual medical costs, odometer readings or personal property loss. These are documented through receipts, statements, etc., the focus in a negotiation is on the Primary issues, or those that are negotiable.
3
Setting Positions: Maximum, Target, and Minimum positions.
a. The Maximum Position is the most desirable. My highest price without any negotiation (which rarely happens).
Smart BIZ b. Target Position is acceptable. Everyone at the table
b. Do your homework, information is not only
c. The Minimum Position is least desirable. This leaves
c. You dictate the time, start negotiations in advance
feels like it was a fair negotiation or a Collaborative WinWin.
you feeling that the negotiation wasn’t fair and you lost.
4
Conf idence: Without a doubt one of the
most powerful positions /states you can hold /obtain. Do your homework before the negotiation. This will put you in position of strength and allow you to present yourself as confident (not cocky or arrogant) and will show the other parties that you are a formidable foe.
5
Critical Tips:
a. Always maintain Walk Away Power, it is the most powerful position in a negotiation. If you need or have to have it, your chances of success will be minimized.
knowledge, it is power. Be prepared, don’t let them push you to a deadline.
to allow plenty of time for a decision. I don’t have to have the Red car today.
d. Know when you have negotiated enough.
When you reach a Win-Win, don’t ‘nibble’ for more. This gives you credibility as a person of your word.
Negotiating can be fun. Follow these steps to a successful Win-Win negotiation and remember to always maintain Walk Away Power! u
Gary McCann is the owner of Gary L. McCann Group Inc., specializing in Interpersonal Communication. He resides in Sioux Falls, SD with his wife Linda.
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32 | BizNOWmagazine.com | January 2015
! Biz Spiritual Series: Has a principle of faith helped YOU in business? Write us and tell us about it. At Biz, we believe that you cannot separate your spiritual self from who you are in business & how you run your business life. Spirituality – or lack of it – is reflected in every encounter we make, every business deal we do, with every person. Thank you to so many of you for your positive feedback to our ongoing series: Spiritual Principles & Business Success. View other articles in this series, starting with our July 2014 issue at www.biznowmagazine.com. We define spiritual strategies as part of an overall approach to life – ways of thinking, doing, and engaging with others that can enable us to live our best life and guide our everyday business transactions.
Submission guidelines: 500 words or less, on how a principle of faith has helped you in business (such as honesty, humility, patience, gratitude, generosity, compassion) to: info@biznowmagazine.com If your article is selected for publication, you will be notified.
BIZ Spiritual
by Alan Dooley
Biz Spiritual Series:
FEAR
IS GOOD
Common fear ranges from mild uneasiness to stark terror, depending on the circumstances of the experience. The Bible mentions two types of fear, the first is beneficial and encouraged; the second is a detriment and is to be overcome. The first type of fear does not really mean to be afraid, but rather to acknowledge a reverential awe of the Creator and respect for His power as well as for His wrath. through. Lost time, a bit embarrassed, maybe In business and our personal lives, our moral a few dollars are wasted. Will you survive? Of compass can provide guidance, but let’s focus course. on the second type of fear, that which we encounter at every stage of our lives when we are faced with physical or emotional The other thing to consider with a worst case circumstances that are under our control. scenario is what is the probability. Is it more While some may fear jumping from a plane, probable that you will succeed or more likely others may fear making a decision, that you will fail? and many of us fear public speaking. Where did that It is far more probable that courage come from to ask you will succeed if you don’t out the pretty girl or let “IF THE give up, learn from your the cute guy know you past mistakes (wisdom) and NUMBERS MAKE SENSE, were interested? Do you prepare yourself for success fear the future and what DO THE DEAL” through education, practice will come, or do you take and a mentor. If others can - unknown control and guide your life do it, so can you. the best you can? Fear is given to us as a way of providing us with a warning. If you fear illness, take action to stay healthy, if you fear math, take a course. Fear is the beginning of wisdom and leads to good decisions. The key to overcoming fear, then, is total and complete trust in yourself, along with faith. Take this trust and evaluate each situation by anticipating what the worst possible outcome could be. So what if your offer is rejected, so what if she says no, so what if the deal falls
Fear tells us to stop and look both ways, it is not meant to stop us in our tracks. Too often we feel afraid and Stop. Instead, look both ways before crossing the street. That’s how you get ahead. There is a process to follow. Once you learn the process and follow it, you can avoid fearful issues. No matter how tired you are…no matter how frustrated and overwhelmed…no matter how much you think you can’t do it any more… never quit. u
CLARIFICATION to POET story in the December 2014 issue: Broin moved operations off the family farm in Wanamingo, Minnesota to a foreclosed ethanol plant in Scotland, SD in 1988. January 2015 | BizNOWmagazine.com | 33
BizNOW Calendar
Send items to: info@biznowmagazine.com
what's now
Jan. 6 Brandon New Member Luncheon 11:30 PM - 1:00 PM Pizza Ranch, Brandon Welcome new members to Brandon Chamber. $10/member
Jan. 13 Business Sense Workshop 12:00 PM - 1:00 PM Sioux Falls Area Chamber of Commerce 200 N. Phillips Ave, Sioux Falls, SD “Finance for Non-Financial Managers” $10
Jan 22 YPN - Off The Clock 4:00 PM - 7:00 PM Empire Bowl, Sioux Falls Bring a friend $5/2 games of bowling, gifts and prizes.
Jan. 6 Business Sense Workshop 12:00 PM - 1:00 PM Sioux Falls Area Chamber of Commerce 200 N. Phillips Ave, Suite 200 Sioux Falls, SD “Keeping Your Organization Secure & Productive”, $10
Jan 15 Business After Hours 4:30 PM - 6:30 PM Hosted by Wells Enterprises, Sioux City, IA
Jan. 22 “I.N. After Hours” 5:15 to 7:00 pm Tre Lounge, Sioux Falls Join the South Dakota Technology Business Center Network with entrepreneurs, investors, business professionals and resource providers.
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Jan. 7 2015 Good Morning Sioux Falls and Legislative Breakfast 7:00 AM - 8:30 AM Best Western PLUS Ramkota Hotel 3200 W. Maple St. Sioux Falls, SD $20 Chamber members. Jan. 7 District 8 Legislator Preview of 2015 Session 5:00 PM - 6:00 PM Madison City Commission Room, Madison, SD
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Jan. 9 Ag Committee Meeting 7:00 AM - 9:00 AM 2nd Street Diner, Washington Ave, Madison, SD Promoting goodwill and interaction with the agricultural sector. All welcome.
Jan 15 Brandon Chamber Mixer 5:00 PM - 6:30 PM Hosted by Anytime Fitness! 908 E. Redwood Blvd. Brandon, SD Jan 15 SD Real Estate Investors Association 6:30 PM- 8:30 PM Keller Williams RE Office 5915 S. Remington Place, Sioux Falls
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Jan 20 Networking @Noon 12:00 PM- 1:00 PM 212 Boiling Point 328 S. Splitrock Blvd. Brandon
Jan. 20 Business Sense Workshop 12:00 PM - 1:00 PM Sioux Falls Area Chamber of Commerce 200 N. Phillips Ave, Suite 200, Sioux Falls “Marketing — Analysis & Strategies”, $10
Biz Lunch Spotlight Need a nice spot for a quick lunch to conduct business? : Josiah’s Located on the historic Eastbank of downtown Sioux Falls, this coffeehouse and cafe offers food, fun and 4-star coffee. Our fave: a machiatto – carmel & vanilla with espresso & milk. With quick service and a quiet atmosphere, we give it a thumbs up; perfect for a business meeting. Near 8th & Railroad at 101 South Reid Street.
Got a place we should know about? Send in your own review in 75 words or less - we’d love to hear about it! info@biznowmagazine.com
34 | BizNOWmagazine.com | January 2015
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Jan 24 Legislative Coffee 9:00 AM - 10:30 AM Bethany Meadows Community Room Brandon, SD Let your voice be heard.
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Jan 27 SME- Leaders Bringing Leaders Luncheon 11:30 AM – 1:00 PM Holiday Inn City Centre Starlite Room Mike Hourigan discusses "ROI to Impact ALL"
Jan. 27 Business Sense Workshop 12:00 PM - 1:00 PM Sioux Falls Chamber of Commerce 200 N. Phillips Ave, Sioux Falls “Smile: The Key to Personal & Business Success”, $10
Jan 31 Art & Soul 6:00 PM – 11:00 PM ICON Event Hall, Sioux Falls An evening of music and dance, plus live auctions of original art from local artists to support Surviveit, a web-based community for cancer survivors. Tickets: artandsoulgala.eventbrite.com
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Amanda
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