Vol. 4 Iss. 10 October 2014
get inspired
NOW
inspiring the creative spirit in every business leader
KEEPING UP
WITH THE
JONESES JONES FAMILY EYECARE
CONQUER CHALLENGES:
CRAIG LAWRENCE, BUSINESS MAGNATE
12GIVE THINGS UP & GAIN MORE to
CONFIDENCE!
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contents
Photo by Shalista Photography
ABOUT THIS ISSUE:
The best leaders are Confident! They know what they want to achieve, they believe in themselves and their ability to go for a dream. Cover models David and Allison Jones in Brandon depict strength and confidence as they stride off the runway. Special thanks to Shalista Photography and Greg Johnson, owner of the Beechcraft. In this issue Mayor Mike shares his thoughts on confidence, and Craig Lawrence enlightens us with tips on business success from his recent book Partners for Life, helping us move confidently forward with our next business ventures.
16
A few surprising insights about what is or is not driving the housing and rental market can be found on the Real Estate pages.
SMART BIZ
Do you have trouble making decisions? Find out how to make up your mind in 4 Tips to Conquer Indecision. Join us as we celebrate two local women who are working to achieve extraordinary goals: one as a bodybuilder and one as a marathon runner. Is your business adequately protected in the event of a tragedy? Find out how you can prepare for the unthinkable. October is also National Disabilities Month and we encourage you to confidently hire someone with the talents you need while providing someone with a needed opportunity. Who knows - they may become your best employee! Find out more in The Confidence to Hire Outside the Box. Everyone can build more confidence; you’ll find some golden nuggets in this issue!
12 Got a Genius on your Team? Insure your Key People
7 M ake up your Mind Already! 4 Tips to Conquer Indecision 11 12 Things to GIVE UP and gain more confidence!
16 Keeping Up with the Joneses Jones Eye Care
14 M oving Up the Ladder: Get your Share of the Pie!
20 Thoughts on Conf idence
19 Will Renters be Buyers?
7 12
25 Identity Theft: Protect Yourself!
22 The Conf idence to Hire Outside the Box LifeScape & HyVee
OCTOBER FEATURES
26 Set a MAJOR Goal‌ and GO for it Lori Kading Cindee Evenson
Biz Finance 12
29 8 Spiritual SECRETS to Business Success
Biz Spiritual 29
8 1 + 1 =3 Secret Formula for a Profitable Partnership Craig Lawrence
IN EVERY ISSUE Inside Biz 4 Biz Health 26 Biz Real Estate 19 What'sNOW 30
October 2014 | BizNOWmagazine.com | 3
inside Biz
note from the editor
“Remember that wherever your heart is, there you will find your treasure.” - Paulo Coelho, The Alchemist
Photo by Hannah Parker Photography
―
The best leaders follow their heart.
?
Are YOU Living the Life You Want? 2 Important Questions to Ask Yourself: Is what you’re doing with your time helping you pursue the life you really want? And are you surrounding yourself with people who are a light in your life?
NOW 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
They know what they want to achieve, they believe in their dream, and they trust their ability to fly high and just go for it. They believe in themselves, and in the people around them.
Director of Business Development Alan Dooley 845-235-5381
Confidence gives you the power to succeed when you face challenges, the ability to blaze a path when no one “gets” what you’re doing; it gives you the courage to take advantage of opportunities that can create breakthroughs!
Contributing Photographer Shalista Photography
Anyone can develop more confidence. Even if you feel like you’re already fairly confident, there are some things you can do to leverage that confidence, to strengthen it to become even more successful.
“When someone tells me "no," it doesn't mean I can't do it, it simply means I can't do it with them.” ―
- Karen E. Quinones Miller
Tips: preparation, research, focus, and surrounding yourself with positive people that can help you build your strengths. So whatever your next goal: to Own the Room, Network like a Pro; Ace the Presentation, earn the Nobel Prize, Get the Deal, Start a Business or Start Another, confidence is a part of it. Be confident. You are more powerful than you think. Remember, only by following our heart’s desire can we soar high and find our divine destiny.
Social Media Strategist Alison Peymann October cover photo by Shalista Photography 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.
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4 | BizNOWmagazine.com | October 2014
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Don’t let a deal pass you by
STARTING A BUSINESS? EXPANDING? Good communication is key
It is ALL about CONFIDENCE! "I have said this and ultimately utilized this time and time again in life, in sports, in business and now in public service. Your odds on realizing your dreams, exceeding your business plans or winning on the court dramatically improve if you go into it thinking you are going to win. I truly believe that Sioux Falls business leaders and citizens are experiencing an all-time high confidence level right now and we are reaping the rewards for the multitude of wins that are on our scorecard. Even bigger victories lie ahead."
– Mayor Mike Huether
in any business, and we can help. We’ll set up your phone system, using the latest technology. And with little disruption or downtime.
So get the Advantage.
Chad Hultgren, Chief Executive
Phone: 605-251-2496 • advantage-communications.com
Interested in Advertising? Let us help you: Charlotte Hofer
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Tim Cummiskey
tim@biznowmagazine.com 605-366-1489
Vol. 4 Iss. 9 September 2014
TESTIMONIAL
inspirin
“As an entrepreneur and product developer, I’m always looking for ideas on how to become more productive and profitable. My favorite magazine has always been Entrepreneur, but now I have found the local equivalent – BizNOW. I believe this outstanding magazine is the same caliber as Entrepreneur, yet provides viewpoints and resources that are more attuned with my South Dakota business. I highly recommend BizNOW! - G inger Thomson, Co-owner, TV Productions Media – Brookings; Instructor, Intro to Mass Media, University Center, Sioux Falls; Inventor, The Doorhickey
get inspired
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FAIL OFT EN.
FAIL YOUR WAYTOTH E
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October 2014 | BizNOWmagazine.com | 5
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a little more about our advertisers “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 11)
The Genetic Disease that affects SD, too.
“Friedriech’s Ataxia; nobody in South Dakota knew what it was. I now need an electric wheelchair. We are constantly doing construction on our home so I can do as much as possible, and care for my two little boys. Every day is a new challenge. Because of FARA I have been able to participate in drug trials. Someday I hope to run and play with my boys, so please support FARA to find a cure." – Abby, FA survivor from Madison, SD (Find out more on page 24)
Build Your Degree at the University of South Dakota The University of South Dakota Graduate School offers 66 degree programs on a vibrant, green campus. Vast research projects, graduate assistantships and high standards of accreditation are only the beginning of our opportunities for students. When choosing a graduate school, choose the characteristics that matter: quality, flexibility, affordability. Choose USD. (See ad page 24)
6 | BizNOWmagazine.com | October 2014
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Smart BIZ
by Charlotte Hofer
MAKE UP YOUR MIND ALREADY! 4 WAYS TO CONQUER INDECISION
“In the moment of decision the best you can do is the right thing, your next best thing is the wrong thing, and the worst is to do nothing.”
Decisions. Decisions. Decisions. When the stakes are high and you’re under pressure, it can be tough to make a decision. While everyone can have trouble deciding things once in awhile, here are some powerful tips to help you make decisions with confidence. 1. F ace Your Fears – Sometimes we can’t make a decision because we’re afraid to make the wrong one. Start thinking of things in a more positive way: think of the situation with curiosity more than fear. Ask yourself, what’s the worst that could happen? Then ask, And then what? The goal is to minimize fear. If the worst happened, would it really be as bad as you imagine? How could you address any repercussions? What steps could you take to cope? By naming your fears and figuring out ways to address them, you will feel more powerful and in control.
2. It’s Ok to Ask for Help – You don’t always have to
make the decision yourself. You can put some faith into other people’s experiences and ask them for insight. If you’re dining out at a new place, you might ask the waiter for a recommendation, right? Business is no different; tap into a colleague’s help and expertise when faced with a tough decision. They may have already faced it and can save you a lot of trouble.
– Theodore Roosevelt
4. Sometimes Good Enough is Good Enough –
Sometimes it can’t wait, a decision has to be made right away. People can get caught up in the anxiety of making the right choice simply because they DO have to decide right now. Then they get stuck and can’t make any decision at all. Sometimes it’s ok to settle for good enough. Opt out of analysis paralysis and instead, think of several good enough solutions, then go with your instinct. Having several options to choose from will give you peace of mind and confidence to make a better decision. u
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3. Decide Not to Decide – Sometimes we feel we have to decide something right away, but we really don’t. If you’re not ready to make the decision, don’t. Sleep on it. Gather more information. Think of possible answers. After all, if you have a good idea today, you may have an even better one tomorrow. If it can wait, let it wait.
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October 2014 | BizNOWmagazine.com | 7
BIZ Interview
interview by Charlotte Hofer
1 + 1 = 3: SECRET FORMULA FOR A PROFITABLE PARTNERSHIP
Craig Lawrence: Business Magnate
When you add up what makes a successful partnership, Craig Lawrence, co-founder of Lawrence & Schiller Advertising and now Chair of the SD State Republican Party, has the inside track. A successful businessman recently turned author, Craig doesn’t shy away from taking on the hard challenges, or finding rewarding opportunities. His new book is “Partners for Life: 12 Principles for Making Your Business Partnerships Lasting & Profitable. In this interview, Craig takes us behind the scenes to give us his best tips for success and a life with meaning. How did you feel about being asked to Chair the SD Republican Party? I had mixed emotions. We all
Is the view of SD changing in the national arena?
Were you surprised when the governor called you? Yeah, knocked me over
We were 50/50 partners. That was our greatest asset – to be able to make decisions independently, yet in unity - it will move your company faster to your goals. A 50/50 partnership forces you to collaborate; to listen, and to understand how your partner thinks.
It used to be that no one respected us and that’s radically changed. The Gov. was on Bloomberg recently and they have limited time. We all have so many amps in our battery; were just astounded that a state government could actually we’re going to invest them for something. The question is, is not have any debt, not have a corporate or personal what I’m investing the energy of my life in worthy income tax, and have its pensions fully funded of my best effort? I know a man in town, he’s making 17% a year on the investments. been an attorney for a long time, and one They just couldn’t fathom that! day he told me, You know, I’ve finally awakened and I’ve realized that what I’ve devoted my entire life to was Most people Best secret to a successful never worthy of my best effort. partnership in business? The want to hit homeruns. purpose of a partnership is to blend I said, That’s a tragic statement, but But you know, life is divergent skills and not care who gets it’s not too late. As long as you have the credit, as long as the partnership a series of singles. breath, you can make the decision to is advanced. So the secret is to blend do something that is worthy of your together in a respectful environment life energy. where 1 + 1 = 3.
with a feather.
You’re planning the Governor’s Club Hunt this fall. What celebrities will attend? Well, former
President George Bush will be there, plus Newt Gingerich, Mitch McConnell, and Rience Priebus to name a few. 8 | BizNOWmagazine.com | October 2014
It’s about putting your partner first.
Why is that so hard for people to do? Let’s go back to
the Garden of Eden -- they wanted to be gods. We all have this desire to be the one in charge, the one who gets the recognition. We’re all insecure and looking for our place in the world. The way to get your cup filled is to help someone fill their cup. When you’re mutually building each other up, that’s what counts in a relationship, that’s what is lasting.
Is the old “dog eat dog” mentality passé? No. If you are a firm and you’re going to bid a contract or promote your product, yeah, you’re going to fight that out. And that’s ok. The Bible says, Act justly, love mercifully, walk humbly. What does “act justly” mean? Do the right thing. And what is business but a series of decisions where you have the choice to do the right thing? And when you put all those decisions end to end, you get a reputation for integrity, and that will take you a lot further than ego or promotion. What is the most “defining” moment of your career? What a huge question! In business, I think defining
moments came when I realized that the greatest competition that I had… was me. I’d get up in the morning, look in the mirror and say, “YOU are my greatest competitor.” But if I live and work honestly and with integrity, then I’m not worried about the competition. The defining moment is really when we came to believe that. Before every presentation, I used to find a restroom. I’d go into a stall, get on my knees, and say, God I don’t ask for favor over the competition to get the money and so they don’t get the account, just help me be honest and let people see honesty and integrity come out of me so I’m a good representative of you. The rest is up to you. Help me be a light that people can trust. I didn’t always make the best presentation, but I think people are attracted to integrity,
honesty and humility. People want to do business with people they can trust.
BizNOW has taken a big risk with starting a Spiritual series. Your thoughts? Is the business aspect of our life
intended to be divorced from moral integrity? To not have a healthy discussion on how spiritual principles intersect in the marketplace is mindless. We are creatures of our spiritual natures; we don’t just shut those off when we go to the office. So when I saw the Biz Spiritual series, and a story on the Power of Forgiveness, I thought, wow! You’re talking about things people just aren’t talking about! If we divorce ourselves from this in the marketplace, then what kind of a marketplace do we have? A marketplace devoid of values is crisis.
What do you do when the other guy is not acting with integrity? It’s hard to endure when people do
unscrupulous things to you. But generally if someone is doing bad things, others can see right through it. I was at a prayer breakfast with John Maxwell, one of the world’s foremost authors, and he said something that will stay with me all my life: “When people walk away from your funeral, they will summarize your life in one sentence. And what will they say?” Maxwell continued, “It’s not how high you climb. It’s how many people you take with you.” It’s about values. You don’t have to be the star and have all the credit; if you take the team with you, you’ll be the star. You can’t make a good deal with a bad guy, and conversely, it’s difficult to make a bad deal with a good guy. And that’s true. Most importantly, when you go to bed at night, and the room’s dark and you think about Eternity, you’ll be at peace. u
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October 2014 | BizNOWmagazine.com | 9
38
IS THE NEW 40.
We’ve never cared much for waiting. That includes waiting for anniversaries with round numbers or for opportunities to thank our clients. So to our oldest partners – thank you for making these last 38 years so wonderful. And to our new friends, we say – welcome to the family.
10 | BizNOWmagazine.com | October 2014
MARKETING • ADVERTISING • BRANDING • WWW.L-S.COM
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Smart BIZ
Things to Give Up and Gain
MORE
Confidence by Biz Staff
elf urs o y ing dge ess u g gru d n a g eco din 1. S Hol
ion s i c e 8. Ind
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The only controllable cost
BIZ Finance
by Alan Dooley
GOT A GENIUS ON YOUR TEAM? INSURE THE KEY PEOPLE IN YOUR BUSINESS
Key Things to know about “Key Person” Insurance
12 | BizNOWmagazine.com | October 2014
BIZ Finance Life insurance is essential if you have a family. Key Person Insurance (KPI), or “key-man” insurance, could be critical to you and your family in the event of the sudden death of a key business colleague. That key person could be you, the owner, the founders or one or two key employees where the survival of company could be at risk without them. Key person insurance, aka COLI or Corporate Owned Life Insurance is a worthwhile precaution if such a tragedy could mean the financial demise of your company or family.
Here’s what to consider.
Key Person life insurance will be mandated if you utilize a venture capital (VC) firm or a bank when there is significant risk. BOLI or Bank Owned Life Insurance is the same thing but protects the loan source, not you. As a small business owner, in addition to your own life and disability insurance, you should consider a policy on specific people to cover your debts, daily expenses, investors or primary shareholders. KPI can be used for attracting and retaining key employees, financial management, protecting your business, retirement planning, supplemental income to beneficiaries and succession planning. Proceeds from KPI, which are tax free, can also be used to buy out an investor who is not interested in working with a new team. A term policy will have lower premiums and will get you through a rough spot. Even as your business matures, the need for KPI may persist, so talk to your insurance agent and consider all options. Get quotes on various amounts, $100,000 or a half
million based on what you can afford verses how much the company needs to survive while a replacement is found or if the business is to be liquidated.
Affordable
On average, the cost for KPI is generally about $1,000 to $2,000 a year for every $1 million worth of coverage, says Fred Wilson of Union Square Ventures in New York City. "Considering how critical a founder [or key person] can be, it is really not that expensive to have the protection in place." To determine coverage, most insurers will use a system based on the salary of the key person, generally capping off at about 10 times the executive's annual compensation.
Key questions to ask:
Every company is different, so while considering options, here are some key questions to ask yourself: • What would happen if you lost a key person? • How much income or revenue could you lose in the time it would take to replace them? • How long would it take to replace them? What expenses would be incurred in the search for a replacement? u
!
What are the different types of life insurance solutions that can help your business? 1. C orporate- and Bank-Owned Life Insurance (COLI/BOLI). COLI/BOLI is life insurance owned by a company/ bank to insure the lives of key employees. COLI/BOLI can be used to help support deferred compensation and other postretirement employee benefit programs. 2. E xecutive Group Life Insurance (EGL). Executive Group Life Insurance is employer-sponsored group life insurance designed with the specific needs of executives and professionals in mind. 3. Whole Life Insurance. Whole life insurance provides protection for a lifetime. It offers guarantees that you can’t find in other forms of life insurance, including guaranteed premiums that will not increase, a guaranteed death benefit and guaranteed cash value that can be borrowed against. 4. Term Life Insurance. Term life insurance can be your gateway to permanent insurance, providing the amount of protection you need today at a lower cost than a comparable permanent policy. 5. U niversal Life Insurance. Universal life insurance provides lifetime death benefit protection along with some flexibility as your needs change. Coverage amounts may be increased or decreased, and premiums can vary based on your finances as long as there is enough money in the account to pay for the insurance and administrative fees. 6. Variable Universal Life Insurance. Variable universal life insurance is a flexible premium, permanent insurance product combining death benefit protection with other options.
Sources: Mass Mutual- www.massmutual.com; National Federation of Independent Businesses- www.nfib.com
October 2014 | BizNOWmagazine.com | 13
Smart BIZ
by Casey King
MOVING UP THE LADDER? HOW TO NAIL THAT NEXT GOLDEN OPPORTUNITY
You’ve been searching for the right move and found something exciting. Now it’s time to interview for the position, what do you do? Interviews can be nerve racking and intimidating. Here are a few tips that can help you stand out on your way to the executive suite. Do your homework.
When you apply for a new position and get a call back for an interview, do some research. Find out where the company is going to expand, their current market share and how you can contribute to that, identify a weakness and offer a solution. Set yourself apart from other candidates by knowing more than superficial facts. Anybody can read the mission statement on a web site; dig deeper.
Be punctual.
This should be a no-brainer. In fact, arrive 5 minutes early. It’s a great way to impress an employer. If you have an unavoidable conflict and you’re going to be late, call in advance and offer to re-schedule.
Be yourself.
Let them see your enthusiasm for the job and that you’re excited for the challenge. Show them your strengths; go in armed with examples on how you’ve accomplished goals in the past; ask questions to show you’re interested in them. This might be a growth opportunity for you, but let them see how your past experience and background has prepared you to excel in this new opportunity.
14 | BizNOWmagazine.com | October 2014
Listen.
We’ve all been there. You’re listening to someone talk and your mind drifts and you’ve missed what they just said. Force yourself to focus. Make sure you’re actively listening. This will also help when it comes time to asking questions later. Be sure to make eye contact and remember to project warmth.
Ask questions.
Asking questions shows that you are truly interested in the position and that you’ve done your research. This is one of the great ways you can show a potential employer that you are prepared and an independent thinker. For example, if they want to get a new division up and running in a 3-year period, you might ask if there’s an incentive on the table to getting it done in 2-and-a-half! It shows you’re ambitious and that you desire to exceed expectations.
Follow up.
Before the interview is over, ask about the next steps. Set a time to follow-up with them. After the interview, a good way to stand out above the rest is to write a hand-written Thank You note to all those involved in the interview process. This is an excellent way to impress a potential employer and show how excited you are to help them achieve their targets. These tips will help you gain the confidence you need to ace the interview and conquer the corporate world. Being a little nervous is normal, but if prepared, you’ll walk in with confidence. u
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BIZ Feature
! Tips on Working with your Spouse
by Biz Staff
KEEPING UP with the JONESES
1. Separate home and work. Whatever happens at home cannot carry over into work, and vice versa. 2. A lways be respectful of one another. You each need and deserve to be treated with courtesy, honor, and kindness. 3. Maintain individuality. Make sure you get enough alone time, even if it’s just to be alone with your thoughts. Everyone needs a little space. 4. Keep separate working spaces. Have separate offices so you can have a little space from each other. If you work from home, get out of the house sometimes, go work at a coffee shop. 5. Work in different departments or divisions. For example, one can handle the business and marketing and the other the implementation and service team. It’s critical to respect each other’s domain. However, couples are more likely to succeed when one spouse simply pitches in and helps the other rather than when they have equal roles in the business. 6. Learn to work through disagreements. Married people fight. Married people in business sometimes fight even more. 7. Marriage comes first. No matter what’s going on in your business, your marriage must come first.
16 | BizNOWmagazine.com | October 2014
JONES FAMILY EYECARE
Allison and David Jones are Doctors of Optometry in Brandon, SD. This powerhouse couple not only works together, but are expecting their first child in February. BizNOW asked them to share some insight on what it’s like to start a family business and how to confidently handle some of the inevitable hurdles that arise. companies and learning other business “Our ultimate goal was to open our own management skills. Vision Source, an eye clinic so we could work and practice independent group of optometrists, has on our own. The moment when a child been a tremendous help in giving us advice puts on a pair of glasses for the first time and providing the tools to help grow our and says "I can see! I can see!" we practice. realize what a life-changing impact we can have on them. We have We get extra a very rewarding motivation by being “With enough courage career and are a family business. always thankful and dedication, most We stay motivated to everyone anyone can do anything. because we know who has that we are not We can't let fear of failure helped us get just working for hold us back from taking to where we ourselves, but for are today. leaps of faith. This is how our entire family. dreams are accomplished. We work together on major business Starting from - David Jones decisions and rely nothing two on one another for years ago, we professional opinions as expected slower well. Each of us has certain growth but are pleased skills we are better at, and we allow with our progress and business each other to work directly in these areas in the Brandon area. Anyone can start to excel our business acumen. their own business, but it takes lots of hard work, especially in the beginning. You always have to keep in mind that the time, Owning your own business requires extra energy, and hard work now will eventually time and energy, but it’s important to pay off in the future. If you have a dream leave some time for family and relaxation. to accomplish something, go for it and We strongly encourage other couples to don't look back. consider starting their own business. As long as you are prepared for hard work and have the dedication, you can grow The biggest challenges in starting and your own business too!” – Allison and growing our business have been working David Jones u with medical and vision insurance
“25% of elementary school children have an undiagnosed vision problem. For many kids this is the reason they may be struggling in school.”
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605-376-7932 October 2014 | BizNOWmagazine.com | 17
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18 | BizNOWmagazine.com | October 2014
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BIZ Real Estate
by Alan Dooley
WILL RENTERS EVER BECOME BUYERS? Homeownership has fallen from 69 percent in 2005 to 65 percent in the first quarter of 2014. A 2014 Survey of Consumer Expectations conducted by The New York Federal Reserve, sheds new light on why the expected housing recovery has not blossomed. The next generation of home buyers, the millennials, seem to have no desire to pursue the American Dream of home ownership or have no clue of their buying potential. Young adults carry an average of $33,000 in college debt and one in four live with their parents. While many renters have a desire to own, they don’t feel they can get credit or seem to grasp how to go about it or have misinformation about the process. The very real concerns of those surveyed showed:
• 5 5.7% simply have not saved enough money and have too much debt
• 5 2.7% feel they do not make enough to purchase a home
• 4 1.4% report they have a poor credit score • 3 5% assume they have poor credit, but have not actually checked
Ironically, many do not perform any real research before coming to the conclusion that ownership is not for them. A mere 5% thought it would be easy to get a mortgage, while two-thirds of renters think it will be somewhat or very difficult for them to get a mortgage.
credit standards may have undesirable consequences down the road since borrowers with lower credit scores are at higher risk of default.” On the flip side, 60% think buying in their area would be a good investment and expect a rise in home prices. While nearly 29% simply do not want to maintain their residence and 24% want the flexibility to move at any time, and 24% feel it’s more affordable to rent than buy with 14% saying they could live in a better area by renting. Very few were concerned about another downturn in housing prices and over 18% did not want to tie up their money in a house. u
!
By the Numbers: Renter Confidence The New York Federal Reserve’s Survey of Consumer Expectations solicited responses from 867 homeowners and 344 renters.
When asked if they were likely to move in the next three years:
• R enters reported a 63 percent chance, but only a 44 percent chance of buying. • O wners reported a 22 percent chance of moving and a 75 percent chance of buying. The renter to owner transition rate has historically been in the 30 to 50 percent range of all home sales and usually leads the business cycle and housing price growth curve. If renting becomes the socially acceptable norm, the pressure to own will diminish, thereby causing the housing recovery to elongate, and creating a steady demand for rental units.
The Fed researchers explain that “potential buyers who think their credit score is below 680 are convinced that they would not be granted credit and thus may fail to apply for a mortgage even after an easing in standards.” The report also warned that “relaxing Sources: realtor.org; libertystreeteconomics.
October 2014 | BizNOWmagazine.com | 19
BIZ Feature
by Craig Lawrence, Co-Founder, Lawrence & Schiller Advertising
ThoughtsON CONFIDENCE You need confidence to succeed. Arrogance, on the other hand, will put the brakes on your career and steal your happiness. What is the difference? Confidence is knowing you can do it. Arrogance is thinking you’re the best at doing it.
Affirmation comes from without. It gives you the outside feedback to be able to say, “Hey, I CAN do this. I CAN excel at my passion.” No passion is too weird if you have affirmation that you can do it.
The challenge is thus two-fold: To develop a sense of confidence to carry us through the tough times; and to be able to check yourself when that confidence spills over into arrogance.
I have a friend whose passion is to develop antimicrobial surfaces to help third world countries control raging diseases like Ebola. In response to that passion he got degrees in microbial science. He was affirmed by his ability to grasp the science of it and created concepts for new antimicrobial products.
Confidence emanates from 3 factors working together in your life: passion, affirmation, and opportunity. It’s an “I know I can do it” attitude, based not just on hopes or dreams but upon real life experience.
Do you have a passion?
Something you just know that you’re supposed to do? Think about this in terms greater than just “make a lot of money.” Money is fine, but it should be the by-product of your passion, not your goal.
Find your passion. Pursue it. Seek the affirmation that will lead to opportunity.
Not long ago I was honored to head an organization that raised $1.2 billion for charity. I got to know fabulously wealthy people from across the nation. To them, it wasn’t about the money. They spoke with me about finding meaning in life beyond finances. And I would ask them, “What is your passion?” What’s yours? I believe we have purpose on this earth and I believe our Creator wants us to find it. And when we get in tune with our passion, our life sings with meaning and fulfillment.
The second step is affirmation. And that’s when
people say to you, “You know, you’re really good at that.” Or when you find that you just naturally excel at something.
20 | BizNOWmagazine.com | October 2014
Investors have affirmed his abilities and now have given him opportunity to realize his passion. Now about that nagging arrogance.
I was mentored for several years by Dr. Bill Bright, one of the towering Christian leaders of the 20th century. He said that pride is the most destructive force in the universe and offered this advice: When you enter a room full of people, your natural tendency is to think immediately that you’re higher up than one of them, lower than another, you immediately try to work out a mental pecking order.”
“Instead,” he said, “think of yourself more lowly than any of those in the room. This is the way to be a leader, to first be a servant of them all.” Try it. The next time you walk into a meeting, think of yourself that way. It’ll change what you say and how you act. Remember: your confidence comes from knowing your passion, the affirmation that you can excel at your passion, and then living in the joy of finding the opportunity to do it. u
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BIZ Feature
by Casey King
HAVING THE CONFIDENCE TO HIRE OUTSIDE THE BOX:
EMPLOY QUALITY PEOPLE WITH DISABILITIES
Hiring people with disabilities is an excellent way to provide great opportunities for both the person with the disability and the employing company. October is National Disability Employment Awareness month, and LifeScape in Sioux Falls wants you to know that hiring people with disabilities doesn’t just help that individual, but it’s a great win-win for the employer and community too.
“We have helped people like Kori find new jobs, build their network, and develop collaborative relationships with community business members,”
Image courtesy of LifeScape
- Tammy Zingmark, Hy-Vee
22 | BizNOWmagazine.com | October 2014
LifeScape is a local nonprofit organization that will work with a business to find opportunities for people with disabilities. LifeScape specialists team up with a business to see what their needs are, and if there is a match for a job-seeker to fill the need. Deidrea Peabody is an employment specialist with LifeScape and works to place candidates in the workforce.
“We assist the person on their job search, creating exposure and education on jobs that are in the community,” says Peabody. “During this time, the individual can try out a job, like an internship, to see if it is a good fit for the person and employer.” Once the person is hired, the employment specialist stays on as a “job coach,” providing assistance and acting as a liaison between employees and employers. For example, ensuring they have reliable transportation to and from their job, or that they have the infrastructure they need to function effectively. The employment specialist stays on for about the first three months, eventually fading out. Since the start of this program over 25 years ago, many people with disabilities have had the opportunity to achieve
their dreams by becoming employed in the community. “Last year 35 people started new careers and 49 people had the opportunity to complete internships,” says Peabody. “We have helped people find new jobs, build their network, and develop collaborative relationships with community business members.”
LifeScape will work with a business to provide the best fit for the company and for the individual. Tammy Zingmark, Human Resources
Manager at Hy-Vee, works with LifeScape to bring people with disabilities onto their staff. “We started working with LifeScape four years ago here at Hy-Vee,” says Zingmark. “We found that we were able to meet some really great adults, helping them to perform job-related tasks, with the end result being a great employee. This has proven to be a very successful program and partnership for us.” Meeting new people, developing relationships, and creating a lasting customer base are additional benefits for you and your business when you have the confidence to hire outside the box. u
October is National Disability Employment Awareness Month
PRODUCTION CONTRACTS Aerostar International Amesbury Hardware Products Avera Health Plans Backyard Specialty Balance Systems Bell Incorporated Dakota Corrugated Electronic Systems Inc. Fastenal Company Graco Hegg Realtors Integra Plastics, Inc. Neogen Klock Werks Kustom Cycles Midcontinent Communications Moberly’s Print Shop Omega Quant, LLC Pace Manufacturing Inc. Planted By Nature Polaris Industries Inc. Quality Park Products Raven Industries South Dakota Soybean Assoc. SD State Medical Assoc. Sanford USD Medical Center
FOOD SERVICES/CATERING CONTRACTS Compassion Childcare Cosmopolitan Club Dakotabilities Good Shepherd School & Daycare Hope Lutheran Preschool Lil Friends Learning Center Midland National National Restaurant Assoc – ServSafe Sioux Falls Lutheran School Snicklefritz Daycare Southeastern Behavioral Health Sprouting Ivy Daycare Truks N’ Trykes Daycare Volunteers of America-Dakotas
CUSTODIAL CONTRACTS Avera Health DocuTAP Federal Building Here for Youth Minnehaha Archery Club PACE
Town Place Inn & Suites Tri-State Flooring Wegner Health Science Westcare Detox Center
COMMUNITY EMPLOYMENT Allen Credit Counseling Baymont Inn Burger King Cake Lady Cartridge World Coffee News Compassion Child Care County Fair Dairy Queen Daktronics Days Inn Dakota Supply Group Good Samaritan Goodwill Hampton Inn Hardees Honey Bee Academy Hy-Vee Inn on Westport
Kids Inc McDonald’s Mini Critters Nick’s Gyros Pomegranate Market Perkins Pizza Hut Pizza Ranch Ramkota Sam’s Club Senproco Shopko Skelly’s SODEX Sonic Target The Flower Lady Town Place Inn & Suites TSP, Inc. USD Library Walgreens WalMart Wet Rhino Truck Wash Wild Sage Grille Willow Run
To learn more about LifeScape’s Employment Services, call Patrick Derrick at: 605.444.9974
October 2014 | BizNOWmagazine.com | 23
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Currently there is no treatment or cure. The Friedreich's Ataxia Research Alliance (FARA) is a 501(c) 3 non-profit organization dedicated to funding research leading to treatments and a cure for FA. In its first decade and a half of existence, FARA has unraveled many of the mysteries of FA. Today, the FARA scientific community is translating these groundbreaking laboratory discoveries into the beginning stages of treatment, bringing real hope to all those living with FA.
24 | BizNOWmagazine.com | October 2014
Abby Joachims Madison, SD A b b y i s m e m b e r o f Te a m L a u r a . To h e l p f i n d a c u r e f o r FA , t h e y have set a goal to raise $35,000. Join Abby and others who seek a cure for FA, Sunday, October 12, 2014 at the Ride Ataxia Philadelphia event in Blue Bell, PA
YOU c a n h e l p . Pl e a se m a ke a ta x d ed u cti ble d on ati on by vi s i ti ng : or call 48 4-8 79 - 6 1 6 0 , or mail to : 533 W. Uwchlan Ave. Downingtown, PA 19335
by Casey King
Smart BIZ
IDENTITY THEFT: IF YOU FAIL TO PROTECT YOURSELF, IT CAN COST YOU
BIG.
In an age where just about all of us are online, it’s important to know how to protect yourself from fraud. Here are a few ways to avoid identity theft and feel confident about conducting business online . Change default passwords. Hackers have recently been stealing voicemail passwords by guessing the typical or default combinations like 1-1-1-1, 1-2-3-4, or the last 4 digits of your phone number. They can then use the phone to make international and long distance calls, racking up your bill. Make more complex passwords and change them frequently, it will help deter hackers. Don’t click “remember password” function.
Websites and mobile apps often require a password, and may offer you the option of clicking “remember me” or “keep me logged in.” Avoid these options and you help protect yourself from fraud. Log out each time you’re done. If someone were to gain access to your computer or you left your phone at the grocery store, they would have a harder time accessing your accounts and stealing your information.
Encrypt your data. Download and use encryption
software that will scramble the information you send over the Internet. Encryption is online shredding except it can be decoded by the intended recipient. There are numerous affordable and reliable encryption software packages you can purchase that electronically “shred” your documents. Folder Lock and SensiGuard are two popular encryption software packages you may want to consider.
Shop wisely. When shopping online, avoid scams by becoming familiar with the website before you make your purchase. It’s easy to click a few times and be somewhere with an amazing deal that looks too good to be true. Chances are that it is. Also, make sure you’re shopping
from a website with an “S” after the HTTP so it looks like this (HTTPS://url) and then look for the small lock which usually appears on the bottom right of the checkout screen. This ensures that the website has SSL (secure sockets layer) encryption software installed.
Keep an audit trail. Allowing certain members of your
staff to have access to bills and other financial information is crucial in today’s world, but make sure you have an audit trail so you can track your finances and ensure nothing will fall through the cracks. What is an audit trail? It’s a record listing what transactions take place and who made them. It will also record invalid attempts to access your business records. It’s important to keep a record of these transactions in the event of an audit, dispute, or fraudulent situation.
Avoid sharing too much on social networks. Just about anyone on the Internet can view what you’re doing through social media websites. Lock down your account by making your profile available only to your friends and be careful about accepting friend requests from just anyone. Hackers use social networking sites to get valuable information about you that could then be used to access your identity or reset your passwords by selecting the ‘password reset’ option and answering those privacy questions. And again, never give out sensitive information over the Internet. You can never be too safe on the Internet. It’s important that you understand what you are doing so you don’t become vulnerable to fraud. Use these tips and stay safe! u October 2014 | BizNOWmagazine.com | 25
BIZ Health
by Biz Staff
THE CONFIDENCE TO SET A MAJOR GOAL…
AND GO FOR IT Extraordinary Women in the Spotlight
Image courtesy of Lori Kading
Ever had a dream to do something special? Maybe to compete as a bodybuilder, or run a marathon? Two women in the local market are doing just that -- making their dreams come true. Even more amazing, both women are over 49! Which just goes to show that the right time to try for any dream is right now.
The unstoppably slow yet rapid demise and death of her sister Lynn in 2012 of pancreatic cancer, caused Lori Kading, already in her late 40’s, to re-evaluate her life. She looked at herself in the mirror and knew she needed to change. She immediately challenged herself to step out of her comfort zone, begin a grueling training regimen, and resolved to do everything she could to change her life. It starts with believing in yourself and visualizing what you want to accomplish. Lori wanted to see a fit, confident woman. Visualizing a sculpted and toned body was an important factor driving her success. It does not happen overnight or without help. She hired a personal trainer to guide her physical routine, diet and to keep her accountable. Training for a competition requires time management. One needs to schedule time not only for workouts, but to prepare your food. Nutrition is 80% of your training, according to Lori. Her workouts consist of weight training 5 times a week, cardio 7 times a week (sometimes twice daily), and eating 6 small healthy meals per day. Supplements help with muscle recovery. Training the mind is just as critical as the body. Lori says, “Enter a show to compete against yourself. While it may be disappointing to not place, knowing you gave everything you have is very rewarding. Be the best ‘you’ can be!”
26 | BizNOWmagazine.com | October 2014
What surprised her the most was how competitive she became with herself, and once she started seeing changes in her body – it became exciting! When a competition looms, she questions her confidence, “Can I compete against the other athletes?”
“Don't be too hard on yourself if you fail either in a workout or a meal, push forward and make the next day count.”
She prays daily for guidance, dedication, and the willpower to complete another day. There is also the promise of a blue Tiffany box at the other end! Lori will soon be competing in Omaha at the NANBF Buffs Classic, an allnatural (no steroids or other banned substances) bodybuilding and fitness competition for both women and men.
Cindee Evenson is not just Assistant Track Coach of the Year in SD and a Menno High School teacher, she's now busy training for the Chicago marathon! Talk about a full schedule! Cindee reveals what it's like to train for a marathon, and gives her best tips below for becoming a long-distance runner.
BIZ Health “Once you have run a marathon you feel like you have the confidence to do anything you set your mind to.” feel you can’t go on, usually due to dehydration or a lack of calories.” The long runs help her determine what works best for her. Another part of training is the equipment, or shoes in this case, which she replaces about every 500 miles.
“I think I had a moment of insanity,” Cindee says when asked why she decided to run a marathon, “and after I paid the entry fee I couldn’t back out!” Chicago won’t be her first marathon, but it will be her biggest. She had always thought about participating in a marathon, and after a few false starts and nagging injuries, she saw the “big 5-0” on the horizon and decided to get serious about her dream. After completing the Minneapolis Marathon – not just once, but twice-she set her eye on the huge Chicago Marathon this fall. Some marathons require qualifying times, like Boston, but most will allow anyone to run. Chicago had so many people signed up last year -- 39,000 -- that they limited it this year via a lottery system. Both she and her daughter got lucky. Cindee runs 5 times a week with a long run on the weekend, adding a mile every week. Staying energized requires a substantial meal followed by a yogurt parfait prior to a run, and she remains hydrated by carrying
An unexpected benefit has been the ability to set goals and do what it takes to achieve them. “I have learned through running that most obstacles can be overcome with “Positive self-talk perseverance and is helpful. This also dedication. In the translates to overcoming same way that 26.2 miles seems other difficulties in life. unattainable, Running a marathon many tasks in life has given me the seem daunting at first. Breaking confidence to believe them into smaller in myself.” chunks and taking a step at a time makes it more attainable.”
a water bottle on a belt that also has room for caffeinated jelly beans or Gatorade energy gels that contain electrolytes and potassium. Sometimes dried fruit or even a small pb&j sandwich will do! “Training helps you figure out how to avoid ‘hitting the wall’ – that moment when you
If you hurry, you can catch Cindee on the Sioux Falls bike trail! u
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October 2014 | BizNOWmagazine.com | 27
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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28 | BizNOWmagazine.com | October 2014
Biz Spiritual Series:
BIZ Spiritual
by Abby Vostad, SDN Communications
8 SPIRITUAL SECRETS Personal faith and professional aura go hand in hand. A quote from Max Lucado hangs in my office that ends with, “Love, joy, peace, patience, goodness, faithfulness, gentleness and self-control. To these I fully commit my day. If I succeed, I will give thanks. If I fail, I will seek grace." Each day, I strive to lead by example using these principles or “fruits of the spirit.”
LOVE – Truly love what you do, you’ll never really feel like you are working. Learn to love the people you work with – they are all individuals with unique gifts. Take the time to get to know them.
FAITHFULNESS – Protecting company secrets, remaining loyal to your company, and supporting executive decisions are all ways to show faithfulness at work. Faithful employees are trusted and empowered because they are loyal to the company and the team. GENTLENESS – Like
photo courtesy of Abby Vostad
TO BUSINESS SUCCESS
Want to get ahead? Smile more! A Swedish
PEACE - There are too many wave-makers and too few peacemakers. Celebrate the success of others and pitch in to help on a fast approaching deadline. Team work not only creates peace, it also reduces the waves.
the saying, “sugar attracts study found that smiling more flies than vinegar” makes you more we are drawn to positive attractive, sociable and polite people. Bitter and and confident. negative bosses create teams that do not function well. When criticism or bad news needs to be delivered, maintaining a polite and positive demeanor will keep the conversation appropriate. Gentle people lead by example and do not depend on overt power and control to accomplish tasks.
PATIENCE – It takes grace and a great deal of patience to work
SELF-CONTROL – While control of the tongue and gracious
GOODNESS - In addition to doing what’s right and treating others with dignity, look for the best in others and tell them about it. Encouragement goes a long way to nurture great business relationships.
Practicing the fruits of the spirit will help us lead with servant hearts and create wonderful working relationships. u
JOY – The choice is ours. An authentic smile, a sincere
compliment, or even a hand written note are all easy ways to spread joy. Customers remember how employees made them feel. Joyful customers are contagious – and they will tell others about their good experience.
with people at all levels. Everyone will miss a deadline at one point or another – one day it will be you. React with a need to accomplish the goal, but with grace and understanding.
attitudes toward colleagues are paramount, so are delegating and sharing tasks. Doing a task ourselves may be quicker, but consider handing it off to someone who might see it as a learning or growth opportunity. Helping to build their skills will yield long term benefits. And that’s good for the bottom line.
Call for Writers
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 who are contributing to our ongoing series on Spiritual Principles & Business Success. We’re so pleased its been well-received in the community! View other articles in this series online, starting with our July issue at biznowmagazine.com. We define spiritual strategies as part of an overall approach to life – ways of thinking, doing, believeing 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 help you in business (such as honesty, humility, patience, gratitude, generosity, compassion, etc.) to: info@biznowmagazine.com. If your article is selected for publication, you will be notified.
October 2014 | BizNOWmagazine.com | 29
Send items to: info@biznowmagazine.com
BizNOW Calendar
what's now
1
Oct 1 YPN Morning Buzz 7:30 AM - 8:30 AM Panera Bread Network with other YPN members over a cup of coffee. Bring a friend.
Oct 1 and 2 Madison Manufacturing Days 8:15 AM – 6:00 PM Tour the various manufacturing facilities in Madison, SD. See the schedule at http:// www.chamberofmadisonsd.com/Events/ Oct 2 7th Annual Milestone Luncheon 11:30-1:00 Brandon Steakhouse 1308 E Rushmore Dr, Brandon $12 Oct 2 Sioux Falls Chamber Mixer 5-6:30pm Brown & Saenger 1409 N “C” Ave. $3 RSVP to 605.373.2014 or plund@ siouxfalls.com.
2
Oct 2 SME Youth Benefit Auction 5:00 to 8:00 pm Sioux Falls Convention Center Fundraiser for SD college scholarships. Live and silent auctions, wine raffle, entertainment and dinner. Tickets $50 call 605-336-5626. Oct 3 DTSF First Friday 5:00 – 9:00 PM Downtown Sioux Falls Shopping, entertainment and special events at your favorite downtown
locations. Featuring 27 artists at 19 locations in downtown Sioux Falls. Meet these artists and watch them work. For $15, enjoy sampling Cask & Cork wine at each location.
Oct 4 605 Running Company 9:00 AM – 2 PM 124 So. Phillips Ave. Free workshop boosting the exercise benefits for runners and their dogs. ShopDog, a local pet supply boutique, will co-sponsor the workshop. Oct 4 Harvest Festival 12:00pm - 6:00pm Wilde Prairie Winery, Brandon, SD North of Brandon off Hwy 11, 1.5 miles west on 259th Street. No outside alcohol, food or pets.
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October 6 YPN Policy & A Pint 5:30 PM - 7:00 PM Icon Event Hall Any Willing Provider (AWP) laws require a health insurance company to accept any qualified provider who is willing to accept its terms and conditions. Oct 10 John Maxwell Leadership Simulcast 7:50-11:30 AM. Washington Pavilion Leadership training, breakfast included, register at www.L2SiouxFalls.com
Biz Lunch Spotlight Need a nice lunch spot to conduct business?? 10 Below Frozen Yogurt Want to celebrate a team milestone? Brandon’s unique “10 Below Frozen Yogurt“ is just the place to do it! Conviently located in the center of Brandon, it offers a pile-it-on self-serve yogurt bar with lots of flavors and endless toppings of fruits and nuts and chocolates and more. Great for a late afternoon picker upper or for a quick lunch with Chillers, Shakes and Frappes.
Got a place we should know about? Send in your own review in 75 words or less we’d love to hear about it, and credit your business for finding it! info@biznowmagazine.com
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Oct 11 Sioux Valley Optimists Annual Shopping Fair 10 AM - 3 PM Our Savior’s Lutheran Church, 909 W. 33rd Street Over 50 vendors, gifts, hand-crafted jewelry, crafts, and more. Fundraiser to support youth programs in Sioux Falls.
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Oct 16 Brandon Chamber Mixer 5:00 - 6:30 PM Hartland Funeral Home 1801 Frontier Street
Oct 21 “I.N. After Hours” 5:15 to 7:00 pm McNally’s in Sioux Falls Join the South Dakota Technology Business Center. Network and meet entrepreneurs, investors, business professionals and resource providers.
October 21 Sioux Falls Annual Chamber Meeting 5:00 PM - 9:30 PM Sioux Falls Convention Center/Denny Sanford PREMIER Center 1101 N. West Ave. October 28 SME membership Meeting 11:30 - 1:00 pm Holiday Inn City Centre Starlite Room Scott Carbonara on "Leadership Therapy" Members free, guests $40 RSVP 605-3365626
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October 28 Brandon Network at Noon 12:00 - 1:00 PM Tailgators Grill & Bar 1013N Splitrock Blvd
November 5 YPN Morning Buzz 7:30 AM - 8:30 AM Panera Bread Network with other YPN members over a cup of coffee. Bring a friend. November 8 Brandon Expo 10:00 – 3:00 PM Brandon Valley High School Free. See what products and services Brandon offers.
Xerox® had their choice. They chose A&B Business Solutions. When Xerox Corporation® needed a partner in the upper midwest to provide their office print solutions, who did they come to? Who else? A&B Business Solutions, now your Xerox authorized dealer in the upper midwest.
Go to abbusiness.com to learn more and a chance to win. 605-335-8520