Business Journal Inspire, Inform & Educate
February 2016
INSIDE
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102nd Edition @dmars_com
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Proud to Be
Let Your voice Be Heard!
VOTE!
Wanda Adams Makes History! By d-mars.com News Provider Wanda Adams is one of the hardest working female public servants in our city…period. PAGE 6
Kevinn Robinson
for Justice of the Peace Precinct 1 Position 1
LaRence Snowden Named Assistant Vice President for Development at Texas Southern University By d-mars.com News Provider Texas Southern University recently announced that LaRence Snowden has been hired as the new Assistant Vice President for Development in the Office of University Advancement.
PAGE 16
PAGES 4-5
Re-Elect Ron Reynolds for State Representative, District 27
Ruben Davis
for Fort Bend County Constable Precinct 2
In the Business Community…
Alma Allen
for State Representative District 131
Kristen Hawking for Judge of the 11th District Court
Michael Coleman
for Harris County Constable Precinct 7
Ann Bennett
for Harris County Tax Assessor-Collector
May Walker
Jarvis Johnson
for Harris County Constable Precinct 7
for State Representative District 139
Joe Stephens
Tanya MakanyRivera
for Justice of the Peace Precinct 3 Position 1
for Justice of the Peace Precinct 1 Place 1
Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience, and the passion to reach for the stars to change the world.
Business Event at HCC PAGE 30
— Harriet Tubman
February 2016 3
Journal Behind The
Publisher’s Message
MR. D-MARS
SR. PUBLISHER Keith J. Davis, Sr.
SENIOR VICE PRESIDENT Kevin Davis
VICE PRESIDENT Kim Floyd
ACCOUNTING MANAGER Eugenie Doualla
SENIOR ACCOUNT EXECUTIVES C.T. Foster Eric D. Goodwine Tiffany Black
“Proud to Be” is the theme for this issue of the d-mars.com Business Journal. This month is Black History Month. Who are you proud to be? What have you accomplished that has paved the way for the next generation? What have you contributed to society that will make for a better community? I want to encourage you to strive for greatness for yourself and to do things with the mindset of making a better future for those around you. Happy Black History Month! The cover story for this issue is on Ron Reynolds. Reynolds is a familiar name on the election ballot. Since 2011, Reynolds has proudly served as the Texas House Representative of District 27. He wants to continue to fight for the people of Fort Bend County. He wants to continue to be that strong voice in Austin, Texas. Reynolds is a proven leader with a track record for success. As always, thank you for your continued support of d-mars.com. When you support us, you are supporting more than just our company; you are supporting the communities in which we live and work. Working together, we can succeed in making positive things happen.
ASSOCIATE EDITOR Dawn Paul
ADMINISTRATIVE TEAM Dyvl Davis
Contents
PHOTOGRAPHY L.C. Poullard Grady Carter Tony Gaines
MULTIMEDIA DIRECTOR Andrea Hennekes
LAYOUT & GRAPHIC DESIGNER Angel Rosa
DISTRIBUTION Booker T. Davis, Jr. Rockie Hayden
CONTRIBUTING WRITERS Noel Pinnock William H. Harrison d-mars.com News Provider
Re-Elect Ron Reynolds..................................................................................................................................................................................4-5 Wanda Adams Makes History......................................................................................................................................................................... 6 American Companies Embrace a Sustainable Future............................................................................................................................. 8 Visualizing Success..........................................................................................................................................................................................10 Proud to Be a Student of Change and Success....................................................................................................................................... 12 Tips on Using a Balance Transfer to Become Debt-Free....................................................................................................................... 14 LaRence Snowden: Texas Southern University News...........................................................................................................................16 3 Tips for Evaluating What Your Business Is Worth...............................................................................................................................18 It’s Time to Dream Bigger..............................................................................................................................................................................20 Think ‘Inside the Box’ to Protect Your Financial Well-Being................................................................................................................ 21 5 Tips to Protect Your Identity and Celebrate Refund Season.......................................................................................................... 22 Forget Your Dream Job................................................................................................................................................................................... 24 In the Business Community.........................................................................................................................................................................26 Your Four-Step Plan to Changing Careers and Becoming a Teacher...............................................................................................28 See How Skills Learned in a Restaurant Carry on Through Your Career .......................................................................................30 A Resolution to Keep........................................................................................................................................................................................ 31 A New Car vs. Your Used Car........................................................................................................................................................................ 32
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A Proven
4 February 2016
Lead with a Track Record for Success By Dawn Paul
Associate Editor
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t is election time in Fort Bend County, and Ron Reynolds is a familiar name on the election ballot. Since 2011, Reynolds has proudly served as the Texas House Representative of District 27, and he has been a strong driving force in Austin, working hard for the Fort Bend County citizens. Reynolds is well-respected for his selfless work as a civil servant, always proving to be a relevant and effective leader for the community. He is thought of by many as a true champion for the people. Reynolds is a history-maker, being Fort Bend County’s first African-American State Representative since Reconstruction. Reynolds hold a B.S. degree in Public Affairs, magna cum laude from Texas Southern University, and he received his Doctor of Jurisprudence from Texas Tech University School of Law. Always having a genuine desire to keep his community in touch with the latest issues, he has written numerous articles concerning Consumer Rights, Civil Rights, Civic Engagement, and Employment Law. Reynolds is a proven leader with a track record for success. Throughout his career, Reynolds has successfully been making Fort Bend County a better place to live for all. Being a small business owner himself, he knows first-hand what the citizens and business owners of Fort Bend County need, consistently setting out to positively impact the business and economic base in Fort Bend County. He not only talks the talk, but walks it, by investing in the community in which he lives. He knows and understands that when you are given much, much is required from you. Reynolds has dedicated his life to serving the community, working with
continue to advocate for equal opportunities for the community to acquire contracts with state governmental entities.”
countless organizations in the area, including Missouri City NAACP, 100 Black Men of America, and his fraternity, Alpha Phi Alpha Fraternity, Inc.
Criminal Justice
Reynolds’ list of extensive experience and accomplishments includes: • Currently serves as the Houston Democratic Whip (2nd highest Democrat in Texas House) • Ranking Member on the powerful House Environmental Regulation and Election Committees • Passed over 100 bills, including Body Camera and Truancy Reform bills • Voted Freshman Legislator of the Year (2011) • FBISD Bond Advisory Committee (2007-2010) • Former Municipal Judge, City of Houston • Former Adjunct Professor, Texas Southern University • Past President, Houston Lawyers Association • Past President, Missouri City NAACP • Active Member, Brookhollow Baptist Church
Reynolds is an advocate for our nation’s criminal justice system to be a safe haven for all people. “Continuing to represent this district will enable me to continue to reach across the aisle, collaborating with community leaders and law enforcement to implement criminal justice reform measures which protect and serve everyone,” says Reynolds.
Public Education Funding
Reynolds wants to continue
Reynolds wants to continue to to fight for the Fort Bend fight for the Fort Bend County County community, and the community, and the issues he issues he will continue to will continue to address are:
address are:
Economic Development As a small business owner, Reynolds knows that the small business community is the backbone of the community. The small business community represents 99% of all employers, generating nearly three-quarters of all net new jobs, employing more than 50% of the private-sector workforce. Reynolds says, “If re-elected as the Texas House Representative of District 27, I will continue to fight to help ensure funding will be received for entrepreneurs and small business owners within Fort Bend County. This effort includes improving access to low-interest loans and start-up grants. As a fellow entrepreneur, I furthermore understand the needs of minority, women and small business owners. I will
For many members of the community, a better education is top priority. Public education in Texas right now ranks at or near the bottom compared to the rest of country. As a husband and father, Reynolds is committed to correcting this problem by giving the area schools the resources they need. These resources include recruitment efforts to find and keep quality teachers, which are the backbone of our public education system. Reynolds expresses, “Our state is losing far too many teachers to
CONTINUED on page 5
Experience Our World of Advertising, Marketing, Media and Communication
February 2016 5
der CONTINUED from page 4
frustration with wages, as well as feeling little control of their classrooms. I support initiatives that de-emphasize the significance of the TAKS test so that teachers can dedicate more time to helping all students, instead of only teaching them how to pass the test. I also support fair wages for teachers and empowering them to focus their efforts on a collegeprep curriculum for their students. As it stands, too many of our students are dropping out and not graduating. Giving our teachers the tools to provide practical knowledge for our kids is the key to improving school performance.” Reynolds wants no child left behind.
Public Safety Throughout his time in office, Reynolds has strongly pushed for public safety improvements through tools such as relationship building between law enforcement officials and the communities in which they serve. Reynolds encourages the public to communicate with their local agencies and report activities, as well as share concerns. “Through programs such as block watch patrols and town hall forums, we are able to increase our security through careful observation and passing of information,” states Reynolds. While becoming involved in the communities, Reynolds wants to continue
to maximize protection and feels it’s important to remain united and not divided. The state of Texas is a diverse domain that requires cooperation from people of all races, religions, and socioeconomic backgrounds, as the threat of crime knows no ethnic limitations. Reynolds is a firm believer that our focus must be to protect each other within the limits of the law and hold those accountable who dare to be a threat and inflict harm.
Social Justice Social justice is the view that everyone deserves equal economic, political and social rights, and access to opportunities. “I will do everything in my power to uncover injustices and remove barriers that hinder equality of access to civil liberties, human rights, opportunities for healthy and gratifying lives, and a fair distribution of benefits to everyone,” says Reynolds.
Expanding Access to High Quality Affordable Health Care Reynolds, as a father and husband, understands all too well the importance of quality and affordable healthcare. If re-elected, his office aims to correct the issues families are having in this area by expanding access to affordable health care. Reynolds expresses, “There
is no excuse for failure to give all children access to high quality health insurance. I believe that all Texans have a right to take their children to a doctor when they are sick without becoming bankrupt in the process. I want to continue to support legislation that will restore the funding necessary to support the state’s Children’s Health Insurance Program (CHIP). I will also support the much needed stem cell research in order to proactively combat the diseases that plague our community.” Reynolds has many supporters, including organizations, elected leaders, and community leaders. His strong support is a great testament to his ability as a leader, making the Fort Bend County area a great place to live.
Reynolds’ list of supporters includes: • Houston Mayor Sylvester Turner
• Congresswoman Sheila Jackson Lee • Congressman Al Green • Senator Rodney Ellis • State Representative Alma Allen • Commissioner Richard Morrison • Commissioner Grady Prestage • Constable Ruben Davis • Houston City Council Member Larry Green • Stafford City Council Member Wen Guerra • Missouri City Council Member Don Smith • Wanda Adams, Harris County Appraisal District Board of Directors • KP George, Fort Bend ISD • Rhonda Skillern-Jones, Houston ISD • Jolanda Jones, Houston ISD • Neeta Sane, Houston Community College • Don Bankston, Fort Bend Democratic Party Chair • Lane Lewis, Harris County Democratic Party Chair • Texas State Teachers Association • Fort Bend Pastors Association
Reynolds wants to continue to fight for the people of Fort Bend County. He wants to continue to be that strong voice in Austin, Texas. Fort Bend County early voting is February 16-26 and Election Day is March 1. To find out more about Ron Reynolds, please visit www.ronreynolds.org.
“I need your help so I can continue to be your voice in Austin, Texas. I want to continue to fight for you.” — Ron Reynolds
Experience Our World of Advertising, Marketing, Media and Communication
6 February 2016
d-mars.com Recognizes Wanda Adams for Black History Month
Wanda Adams Makes History!
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By d-mars.com News Provider
anda Adams is one of the hardest working female public servants in our city… period. She is a history maker, recently being appointed as the first AfricanAmerican woman to serve on the Harris County Appraisal District Board of Directors. Adams is a native Houstonian, who is a product and graduate of HISD. A basketball standout at Kashmere High School earned her an athletic scholarship to Texas Southern University, where she earned a bachelor of science degree in public affairs and a master’s degree in public administration. Adams was elected to the HISD Board of Education in 2013, after serving the limit of three two-year terms as a Houston City Council Member for District D. Serving as a HISD trustee, she has traveled the world as an international ambassador for the City of Houston to Africa, Europe, and South
Adams is a proud member of Delta Sigma Theta Sorority, Inc., and she has had the honor of being appointed to national committees by Delta Sigma Theta leadership. Her other community-oriented key positions include her working with the Museum of Fine Arts Houston and Leadership Houston Class 30.
Wanda Adams has been recognized by d-mars.com, and her additional honors and recognitions include but are not limited to:
America. Her commitment as a leader in education has helped to continue to incorporate strong literacy programs, strengthen parent and community engagement, and decrease the number of low-performing schools in District IX. As a public servant, Adams has been
committed to support for the veterans, disabled, homeless, and mentally ill, and she is a strong advocate for breast cancer awareness. The Houston Area Women’s Center, YMCA, YWCA, Keep Houston Beautiful, and Meals on Wheels in the Sunnyside community are among the organizations she volunteers her time with.
• Houston Woman Magazine’s Top 50 Women in Houston Award • The Houston Area Association for the Education of Young Children’s Elected Official of the Year Award • Rolling Out’s Top 25 Women Award • Award of Distinction from the National Forum of Black Public Accountants We salute you Wanda Adams!
Experience Our World of Advertising, Marketing, Media and Communication
February 2016  7
Experience Our World of Advertising, Marketing, Media and Communication
8 February 2016
American Companies Embrace a Sustainable Future By d-mars.com News Provider
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eeting in Paris, delegates from 195 nations ended 2015 by reaching a landmark agreement to make significant efforts to reduce greenhouse gas emissions. The historic pact represents a global effort to curb climate change and a move toward widespread investment in zero-carbon energy sources and other sustainable practices. Many saw the Paris climate deal as a major change in global policy and a step in the right direction. Though nations at the highest levels might be in agreement on the next steps to take, there is still a lot to be done at the ground level. While there is plenty of discussion about how an individual can lead a more sustainable lifestyle, what doesn’t get a lot of coverage is what businesses can do to reduce their carbon footprint. This is an unfortunate oversight because businesses have a vital role in addressing global environmental issues such as climate change, carbon emissions and water security. As it stands, buildings in the United States account for 39 percent of CO2 emissions and consume a staggering 70 percent of the electricity load. Over the next 25 years, it is projected that CO2 emissions from buildings will grow faster than in either the industry or transportation sector.
Among these, commercial buildings are projected to increase their CO2 output the fastest, by 1.8 percent a year, according to the U.S. Green Building Council. Through its green guidelines and Leadership in Energy and Environmental Design (LEED) certification, the U.S. Green Building Council is responding to an urgent need to help businesses around the world save energy, water resources and money while amplifying human health and wellbeing. Though it is a demanding set of guidelines, many companies have made it a priority to make their buildings LEED
certified. One successful example is the Colgate-Palmolive Company, which currently has 11 LEED certified facilities and eight more in the works. The company has been so successful in their efforts that they were awarded the 2015 Ray Anderson Radical Industrialism Award for exemplifying leadership in the evolution of green manufacturing. This award reflects the company’s global strategy that includes a commitment to “Reducing Our Impact on Climate and the Environment,” and “Making Every Drop of Water Count.” To do this, they have set such goals for 2020 as reducing
absolute greenhouse gas emissions from manufacturing plants by 25 percent compared to 2002 levels, and cutting production water use by half and energy by one third. Widening its sustainability efforts beyond its plants and office buildings, Colgate has launched a “Save Water” campaign which includes a coming Super Bowl ad, a discussion forum on social media, #EveryDropCounts, and “Save Water” messaging on product packaging. The overall aim of these efforts is to remind consumers that by simply turning off the faucet while brushing, one person can save up to 3,000 gallons of water a year. While Colgate continues to make substantial strives in these areas, they are not alone. Manufacturing plants for Fortune 500 companies such as Coca-Cola, Mars, Kraft and Intel Corp. are making strong efforts to reduce carbon emissions. As of August, 2015, there were over 72,500 LEED building projects around the world. In fact, the world’s second tallest building, the Shanghai Tower, has achieved an LEED Platinum rating. The range of these efforts to reduce carbon emissions encompasses daily activities, business practices and the global community. While such accomplishments don’t make headlines like the Paris climate deal did, they are a reminder that a sustainable future begins at home with people, families and with the brands they trust. – BPT
Experience Our World of Advertising, Marketing, Media and Communication
February 2016  9
Experience Our World of Advertising, Marketing, Media and Communication
10 February 2016
Visualizing Success: 6 Ways to Set Yourself Apart in Business
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By d-mars.com News Provider
ore than half a million new businesses emerge onto the scene over the course of each month, according to Forbes Entrepreneurs. But even more businesses shut down than start up. Whether you’re a new business owner or an employee looking to take your career to the next level, it’s definitely a competitive environment. How can you differentiate yourself from the millions of others? “Developing a purpose and setting goals to accomplish that purpose is the key to success,” says Per Wickstrom, founder of Best Drug Rehabilitation and successful business leader. “As an individual, you have a unique and fresh perspective, so it’s important to let that shine through.”
Wickstrom offers his proven tips for setting yourself apart from the rest to reach your business and career goals: Give back to the community - Never underestimate the power of giving back to your surrounding community. The lo-
cal community is what helps your business grow, and giving back is immensely rewarding and valuable. From volunteer days to donation drives, there are hundreds of ways for you and your business to give back to the community. Tell your unique story - All successful people have role models and mentors from which they draw inspiration and knowledge, but it’s important to continue to develop your own individual style and viewpoint. How did you get where you are today? Don’t be afraid to be your dynamic and complex self.
Continue to learn - Commit to learning something new each and every day. To be innovating and create new products and services, you need to stay on top of the trends and news in your industry. Keep an open mind and always be ready to absorb as much information as you can. Being flexible and adaptable are some of the most valuable assets. Learn from your mistakes - Of course you’ll never make it to the top without learning from your many mistakes along the way. There are very few “overnight successes” in the world, and it’s likely you’ll
spend years working towards your greatest accomplishments. When you experience a setback, don’t let it overwhelm your rational thinking. Instead, let it fuel your motivation on the road to achieving your goals. Keep productivity top of mind - When collaborating with others, meetings can be both incredibly productive or a complete waste of time. Keep your meetings and brainstorm sessions compelling and energetic without letting them run too long. Put away your smartphone and other devices to focus on the task at hand. Focus on your passion - Successful entrepreneurs and business leaders are not successful because they let money drive them. Instead, they focus on their passion and spend time working on a vision that pulls them forward. While this involves a bit of risk, every successful person must take that leap in order to develop their goals and dreams. When you visualize your success, it means you believe what you want is more than possible. For anyone seeking validation that rehabilitation works, Per Wickstrom’s success is more than enough evidence. For more information and influential tips on success, visit www.perwick stom.com. – BPT
Experience Our World of Advertising, Marketing, Media and Communication
February 2016  11
Experience Our World of Advertising, Marketing, Media and Communication
12 February 2016
Proud to Be a Student of Change and Success By Noel Pinnock
Contributing Writer
“A competitive world has two possibilities for you. You can lose, or, if you want to win, you can change.” — Lester C. Thurow
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Answering the above questions can help you come closer to your own definition of success. However, it’s important to remember that this process does not happen overnight. Be aware that this can be a long process. This will require some hard work to develop your plan of success. Don’t worry about it being perfect or worry about what others think, as this is your plan of success. Everyone makes mistakes, and you will never get to the point that you no longer make mistakes. Failures and disappointments are a part of life. Failure is not
fatal, but failing to change is. Each time you plan, risk, fail, reevaluate, and adjust. The great thing to remember is that you have another chance to begin again, only better than the last time. At 67 years old, Thomas Edison said as his laboratory burned to the ground, “Thank goodness all our mistakes were burned up. Now we can start again afresh.” Focus your attention on the great uncertainty of change. I often tell my team and audiences that ambiguity is your friend and uncertainty the enemy. There are many milestones on the
journey towards success, and no one person can define that for you. Success is somewhere out there for you. Remember, it’s important to create your plan for success, and start implementing it. The time to get started is now. Therefore, as I always say, “Get at it!” #GetAtIt www.noelpinnock.com Source Used: Failing Forward: Turning Mistakes into Stepping Stones for Success by John C. Maxwell
n fact, if you want to succeed, you’re never finished. Success is in the journey. The journey of success is a continual process. Webster’s online dictionary defines success as “The favorable or prosperous termination of attempts or endeavors.” The key words here are favorable and prosperous. Everyone has their own definition of success. In order to define success by your own terms, you need to do some soul searching and dig deep within yourself and question your values in life.
Some questions to ask yourself are: • What are your strengths? • What are your weaknesses? • What are the things that are important to you?
Experience Our World of Advertising, Marketing, Media and Communication
February 2016  13
Experience Our World of Advertising, Marketing, Media and Communication
14 February 2016
Tips on Using a Balance Transfer to Become Debt-Free By d-mars.com News Provider
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f you’re carrying a balance on your credit card, don’t worry — most Americans are too. In fact, the average U.S. household carries just over $15,000 of credit card debt, which isn’t a bad thing when managed properly. Let’s look at the big picture. You most likely have more than one credit card — your first card is from your college days, and the second one you picked up because it had travel rewards. After a few years of properly budgeting your finances and making payments on time, you’ve improved your credit score quite a bit. That first card you got in college with the high interest rate no longer makes sense to have as a tool in your wallet. Sounds like it’s time to consolidate your balances. Balance transfers allow you to take the balances on your existing cards and transfer them to another credit card, usually at a lower rate. This new lower rate helps to reduce your level of debt because more of your monthly payment will go toward paying off debt principal, rather than paying interest. “A balance transfer at a low rate makes it easier to pay down your balance, improving your debt-to-credit ratio as your balance decreases,” said Randy Hopper, vice president of credit cards at Navy Federal Credit Union. Reducing your debt sounds great, but wouldn’t it be awesome to be debt-free? To truly benefit from a balance transfer, follow these simple tips:
Know when a deal isn’t actually a deal Typically, credit card issuers charge a fee associated with a balance transfer. This could be a f lat fee per number of transfers, or percentage of the total balance you’re bringing over to the new card. “Keep an eye out for balance transfers with no fees, zero percent interest during the introductory period and a low rate after the intro period expires,” Hopper says. This is where you can really make a difference to your credit score, but make sure you select a card that will give you enough time to pay down your balance in full. Be sure to read the fine print on the zero percent offers, too. It could be in your best interest to choose a 2.99 percent APR that doesn’t have a balance transfer fee, over a zero percent offer with a three percent fee. In the long run, it could cost you more than you’re saving.
Consolidate from high to low If you’ve got several credit cards and have trouble managing payments, consolidate to one card. You can save money on interest by moving your higher balances into this new account with a lower interest rate. Check the APR on all your credit cards to know which ones would be best for a balance transfer. “This is a great option for store cards that usually have high interest rates, where credit unions never charge more than 18 percent,” Hopper says. Once you’ve consolidated your credit card debt, avoid making purchases until your debt is paid down. Remember, your goal is to become debt free. Making any new purchases will start accruing interest immediately, which isn’t ideal.
it is for your profile. If you’re looking for a lower interest rate, a simplified payment process, or both, balance transfers are for you. Re-
ducing your credit card debt is within reach. With a good payoff plan and the right card, you could become debt-free sooner than you think! – BPT
Always pay on time Make your payments on time or you could be hit with a penalty APR. Not only do missed payments negatively affect your credit score, but you could risk losing the low introductory rate as well. Forgoing your intro period APR could mean missing your goal of becoming debt-free. “If possible, set up automatic payments along with alerts on your mobile device to ensure payments are made on time,” says Hopper. “Maintaining a healthy track record will boost your credit score.”
You’ll lose them if you don’t use them Finally, when your balance hits zero, keep the account open. Doing so indicates your track record of reliability. As a general rule, credit cards that are in good standing over a long period of time positively impact your credit score. The longer these accounts are open, the better
Experience Our World of Advertising, Marketing, Media and Communication
February 2016  15
Experience Our World of Advertising, Marketing, Media and Communication
16 February 2016
LaRence Snowden Named Assistant Vice President for Development at Texas Southern University By d-mars.com News Provider
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exas Southern University recently announced that LaRence Snowden has been hired as the new Assistant Vice President for Development in the Office of University Advancement. For the past 4 years, Snowden has served as Assistant Dean of Student Programs and External Affairs for the Barbara Jordan-Mickey Leland School of Public Affairs. Snowden previously served the Barbara Jordan Mickey Leland School of Public Affairs as Director of Programs and as an adjunct professor. The announcement was made by Eva Pickens, Texas Southern University’s Vice President of University Advancement, who says, “Mr. Snowden brings a wealth of knowledge, relationships, and corporate experience to this position. His vision to grow the development, fundraising, and foundation efforts for the university are aligned
with University Advancement’s mission of providing Texas Southern students with access to a top rated education.” “I am delighted to be joining the Office of Development at this exciting point in Texas Southern University’s history. I indeed hope to broaden the relationships of the university in anticipation of strengthening its development efforts. I look forward to being a part of a dedicated team of people at this great institution,” says Snowden. Snowden has successfully chaired the University’s Faculty & Staff Campaign for the past four years, increasing the total amount raised each year. Before joining Texas Southern University, Snowden worked in corporate America for companies, including Dynegy, Enron, and Amoco (now British Petroleum).
Experience Our World of Advertising, Marketing, Media and Communication
February 2016  17
Experience Our World of Advertising, Marketing, Media and Communication
18 February 2016
3 Tips for Evaluating What Your Business Is Worth By d-mars.com News Provider
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inancial and business education is a critical pathway for the future of America’s small business community. To start with, business owners should ask themselves: “What is the true value of my business?” It’s an important question because the value of your business will have a big impact on both the professional and personal aspects of your life, including the well-being of your family, employees and possibly even the community in which your business in located. The 2015 Business Owner Perspectives study commissioned by Massachusetts Mutual Life Insurance Company (MassMutual) revealed about half of business owners say they’ve had their businesses valued in the past three years, yet one out of three says they’ve done the valuations themselves. When business owners value the business themselves, they can significantly over or under value their business. Knowing your business’ true value gives you a more realistic perspective and allows you to put effective strategies into place for future growth, business continuation, succession planning, and retirement planning.
Here are three tips for evaluating what your business is worth. 1. Times to know the value of your business. Because of constant change in the economic, competitive and regulatory landscape in which so many businesses exist today, it’s a good idea to review the value of your business on a regular basis. Doing this will allow you to have a firm grasp on the business’s current value and track its growth over an extended period of time. With this knowledge, you could consider adjusting your business plans to focus more on the drivers of value, or simply be in a better position to take advantage of opportunities. In addition to measuring business health and preparing it for sale at some immediate or future date, there are other considerations in knowing what your business is worth, including funding a buy-sell agreement, retirement income planning and estate tax planning. 2. Turn to a credentialed valuation
expert. A proper business valuation is not a “rule of thumb” or a figure agreed to with a handshake; it’s thoughtfully crafted by a credentialed appraiser after thorough research and is documented in writing. Credentials to look for include: Certified Valuation Analyst (CVA), Accredited Senior Appraiser (ASA) or Accredited in Business Valuation (ABV). 3. Fund any potential "value gaps." Once you know the value of your business, it’s common for there to be a dis-
crepancy between what you thought the business was worth and what you need the business to be worth. The good news is proper planning can help reduce potential “value gaps” created by an owner’s over- or under-estimation of the business’s value. For example, having assets outside the business, such as qualified plans and other investments, can help reduce the value gap in your retirement plan. In addition, insurance products, such as life insurance and disability income insurance, can help address the value gap created if a business goes into forced liquidation following the death or disability of an owner. Take the next step. Talk to a qualified financial professional about where your business is now and where you'd like it to be in the future, and to find financial solutions that can help you reach your goals. – BPT
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February 2016  19
Experience Our World of Advertising, Marketing, Media and Communication
20 February 2016
It’s Time to Dream Bigger By William H. Harrison
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Contributing Writer
lack History Month has been celebrated since 1926. Carter G. Woodson is the founder of Black History Week, which has grown to become a month long celebration. Typically we focus on the civic, athletic, and educational achievements of African-Americans during Black History Month, but rarely do we focus on the business successes of African-American business owners in this country. In many instances, the accomplishments of our business pioneers required the same dedication and determination needed for marches and boycotts. What fueled these business titans? They all had one thing in common, big dreams. A.G. Gatson – By the 1960s, Arthur G. Gaston was probably the richest black man in America. Born in 1893, Gaston grew up in poverty in the small town of Demopolis, Alabama. Working as a coal miner, he
tried out an idea to make money by selling boxed lunches prepared by his mother to his fellow miners. It was such a success that he started to sell popcorn and peanuts on the side. Gaston saved two-thirds of his combined income at this time. Once he had enough money in hand, he took on the informal role of banker, extending loans at 25 percent interest to his co-workers. Gaston also started a quasi-insurance company which helped coal miner widows bury their husbands. He began with insurance, but didn’t stop there. Gatson opened up a mortuary and manufactured caskets. He also purchased a cemetery. Over time, Gaston tried his luck in other industries, including the Booker T. Washington Business College; the Brown Belle Bottling Company; the Citizens Federal Savings and Loan Association, one of the leading black-owned banks in the United States; and the A. G. Gaston Motel in Birmingham. Reginald F. Lewis – The only person in the modern history of Harvard Law to be admitted before applying was Reginald F. Lewis. This was just the beginning of the many remarkable accomplishments he achieved. Within two years of graduating from law school, he established his own law firm, the first African-American law firm on Wall Street. Lewis focused on corporate law, and he also helped many minority-owned businesses secure badly needed
capital. In 1983, with no experience in mergers and acquisitions, he established the TLC Group L.P. His first major deal involved the $22.5 million leveraged buyout of the McCall Pattern Company. In October 1987, Reginald purchased the international division of Beatrice Foods, with holdings in 31 countries, which became known as TLC Beatrice International. With an estimated value of $985 million, the deal was the largest leveraged buyout at the time of overseas assets by an American company. By 1992, the company had sales of over $1.6 billion annually. Lewis also was the first African-American to build a billion dollar company. That same year, Forbes listed Lewis among the 400 richest Americans. Sean “Jay-Z” Carter – Born Shawn Corey Carter in New York City on December 4, 1969, Jay Z grew up in Brooklyn's druginfested Marcy Projects. He used rap as an escape. After selling millions of records with his Roc-a-Fella label, Jay Z created his own clothing line and founded an entertainment company. He soon became the president of Def Jam Recordings. How-
ever, he realized his entrepreneurial spirit wouldn’t be satisfied in such a hierarchical environment. Shortly after leaving Def Jam, Jay Z signed a $150 million contract with the concert promotion company Live Nation. This super deal created a joint venture called Roc Nation, an entertainment company that handles nearly all aspects of its artists' careers. In 2013, he launched a full-service sports management company, Roc Nation Sports. So what will your legacy be? Are you willing to dream as big as these business titans? Each one of them started from humble beginnings. They all had to overcome internal and external obstacles in order to succeed. Most importantly, they continued to dream big. To learn more about William H. Harrison and the West Arlington Consulting Group, please visit www.waconsultgroup. com. Sources Used: “Why should white guys have all the fun?” How Reginald Lewis Created a Billion-Dollar Business Empire by Reginald F. Lewis & Blair S. Walker Green Power: The Successful Way of A.G. Gaston by A.G. Gaston Forbes Magazine
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February 2016 21
Think 'Inside the Box' to Protect Your Financial Well-Being By d-mars.com News Provider
ing — and especially a steel vault — stands a better chance of maintaining structural integrity than a home. Even if not for fulltime storage purposes, you should use a safe deposit box or vault unit as a safe haven for your valuables. As the recent, offseason floods along the Mississippi, in Texas and the southeast testify, these natural disasters are no longer predictable and some of the most destructive ever recorded. Research suggests 40 to 60 percent of consumer’s valuable personal items damaged in these events are not protected by homeowners’ insurance.
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rom complicated passwords to smart home security systems, it seems like everyone these days is coming up with novel ways to protect themselves and their family, and keep their valuables secure. We all want to feel safe. However, almost 60 percent of adults believe the overall level of risk facing their family — whether to personal safety or financial assets — is increasing, according to Travelers 2015 Consumer Risk Index. With so many creative and often confusing ways to achieve security, experts from the FBI to AARP agree that people need to start thinking “inside” of the box. That is, use a safe deposit box to store important documentation, jewelry, currency, collectibles and other valued possessions. For baby boomers and seniors especially, “thinking inside the box” is one of the easiest, most effective and inexpensive ways to protect valued assets. It is important, however, to also remember their limits. Contrary to popular belief, safe deposit boxes are not insured by any financial institution or federal agency. This is why Safe Deposit Box Insurance Coverage, LLC (SDBIC) has recently introduced an affordable way to safeguard the contents of your box. With this added security, here are three reasons why ‘store it and insure it’ should soon be a trending topic among certain groups.
Life transitions require blueprints Life transitions are never easy and can often become entangled in unforeseen difficulties if a document is misplaced. The need to store important materials in a secure and accessible location, away from the shuffling of everyday life, is paramount. Wills, trusts, titles, legal directives for financial holdings and other documentation are critical to keeping your life in order, plus ensuring that those closest to you have a complete and organized ‘blueprint’ for executing and managing your personal and financial wishes.
Moving makes you more vulnerable A Better Homes and Gardens survey found that 57 percent of boomers — amounting to almost 48 million — plan to move out of their current home. At the same time, their parents are often moving
into assisted living facilities or retirement communities. These kinds of physical relocations increase the risk of having valuable property lost due to human error, theft or larceny and make your home more vulnerable to burglary. The chance of recovering stolen property remains dismal. FBI crime report statistics show that of the approximately $2.6 billion in jewelry, precious metals, currency, notes and other documents stolen from homes, less than 8 percent was ever recovered.
Natural disasters are increasing in frequency and severity Floods, fires, tornados, hurricanes and more continue to hammer both homes and businesses at an alarming pace, with three of five major natural disasters last year occurring right here in the U.S., according to ABC News. During any of these, a commercial build-
The takeaway—store it and insure it In addition to the peace of mind that comes with a safe deposit box, consumers can now easily access a patented, affordable insurance which provides blanket coverage for the entire contents of a safe deposit box without disclosures, appraisals or deductibles. It’s a new solution many banks across the country are beginning to offer their customers, according to the American Bankers Insurance Association (ABIA). It is also the only insurance in the country that will now protect previously uninsurable items such as currency, bonds, cash, gold, silver and even important papers like wills, trusts, titles, deeds, photos and digital backups. “Our goal has always remained the same,” says Gerald Pluard, president of SDBIC, LLC, “to help make the safest places even safer for consumers.” – BPT
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22 February 2016
5 Tips to Protect Your Identity and Celebrate Refund Season By d-mars.com News Provider
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he holidays may be over, but refund season is just beginning, and there’s a lot to celebrate. This tax season, while consumers are eagerly awaiting their refund, tax preparation companies, tax officials and the IRS are working together to combat one of the fastest growing threats for tax season 2016 — tax identity fraud. Based on IRS data, nearly 3 million people have been victims of tax identity theft since 2010. Every year, criminals use increasingly advanced tactics — particularly geared toward taxpayers filing online — to steal taxpayers’ personal information, file fraudulent tax returns in their names and steal their refunds. After fraud occurs, it can take months and multiple steps by the victim to access a stolen refund and regain an identity with the IRS.
Protect your identity — and your refund — with these five tax tips from H&R Block: 1. File early and be cautious. Filing
your taxes early will allow you to claim your refund before a criminal can. Before you file, protect your personal information by installing a security software with anti-virus and firewall protections. 2. Keep your paper records safe. Shred records you are no longer using and keep your social security card and
any sensitive documents under lock and key. 3. Do not respond to individuals posing as a tax agency. The IRS does not demand immediate payment without sending a bill in the mail first. If you receive a phone call or an email with an external link, do not click on the link or
share personal or financial information unless you personally know the person on the other end. 4. Change your password. The 2015 tax season saw a significant increase of tax fraud in the do-it-yourself (DIY) space. When using at-home tax software, such as H&R Block’s DIY products, create a strong password with capitalization, numbers, and symbols or avoid the risk by visiting a tax preparer. 5. Use tax identity protection services. Visit the IRS website to learn more about how to protect your identity. Additionally, H&R Block’s Tax Identity Shield provides clients with tools to reduce the risk of tax identity theft and resolution services, if a client becomes a victim of tax identity theft. This tax season, take away the stress and put the “fun” back in “refund” by filing early. Plus, this year, you’ll have a chance to boost your refund — as an extra incentive, H&R Block is celebrating refund season by awarding $1,000 a day to 1,000 people. The first drawing for this limited time offer is Jan. 16. Visit hrblock.com/grand for rules and an alternate method of entry. Enter early to protect your refund and for more chances to win. – BPT
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February 2016  23
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24  February 2016
Forget Your Dream Job - 3 Reasons to Work for a Dream Company in 2016 By d-mars.com News Provider
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workplace renaissance is positioned to gain steam in 2016. Professionals are shattering the stereotype that the ultimate career goal is to work in a dream job and instead are seeking out employment at dream companies. "While satisfying work is key to professional fulfillment, working for a highly desirable company with elevated benefits is even more important to employee satisfaction, retention and engagement," says Lucy English, Ph.D., managing director of institutional research at Horizons Workforce Consulting. "People are no longer prioritizing a dream job, but rather a dream company." So what sets a dream company apart from the status-quo? Employees feel these organizations genuinely care about their well-being, promote work-life balance and provide ample opportunities for career growth. "Depending on organization size and industry, offerings can vary, but should embody these principles," says English. According to research from Horizons Workforce Consulting, employees who work for dream companies are 11 times more likely to stay at their company than
those in dream jobs, have 41 percent more job satisfaction, and are 3.5 times more likely to say that their job inspires them. Dream companies are built on a positive culture of caring and support as well as benefits that go beyond health care and 401(k)s. According to English, employees in dream companies report having access to an average of nine such benefits, including flexible work arrangements, child care, elder care, paid parental leave, educational advising services and wellness resources.
Still not convinced working for a dream company trumps a dream job? Consider this: People who are not working for a dream company are nearly 45 percent more likely to report having high levels of stress than people working in dream companies, according to the "Business Benefits of Being a Dream Company" report by Horizons Workforce Consulting. Likewise, those in dream companies are 62 percent less likely to report being burned out by work, and health satisfac-
tion improves for people in dream companies compared to those working in dream jobs at less than ideal companies (62 vs. 54 percent). For individuals seeking a new job, statistics like this are helpful in determining which benefits to look for in a new company. But what about people who want to inspire change at their current place of employment? "Employees looking to transform their current company into a 'dream company' can start by setting up a meeting with human resources or creating an employee advisory group to brainstorm new benefits that meet the three 'dream company' criteria," says English. For traditional companies, these small changes can create a turning point for both employee happiness and company loyalty. According to the Bright Horizons 2015 Modern Family Index, 76 percent of working parents feel their company doesn't have their best interest at heart, and 62 percent say their employers do not care about them. "Employees are taking charge of their careers with considerations beyond the day-to-day responsibilities," says English. "Employers who adopt qualities of dream companies will be able to find and retain top talent." – BPT
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February 2016  25
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26 February 2016
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February 2016  27
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28  February 2016
Your Four-Step Plan to Changing Careers and Becoming a Teacher
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By d-mars.com News Provider
hat's your goal for 2016? Do you want to lose weight, learn a new skill or quit smoking? Perhaps you've decided to set goals around your career instead. Earning more money or getting promoted are common pursuits, but what if your goal is bigger than just moving up in your current career? What if your goal is to change tracks entirely? What if 2016 were the year you decided to follow your ambition and become a teacher? It's possible, and now's the perfect time to pursue the role you've always wanted. If you're sick of heading to work feeling uninspired and you're ready to embrace the challenges and rewards of teaching, these four steps can help you make a successful career transition into teaching today.
Change your priorities Many people want to change jobs, but that desire is often overshadowed by concerns about how much money they'll earn, how they'll be seen by family and friends or their fears of trying something new. To change your career, you need to
in your desired field or reach out and make new contacts through social media or conferences and join clubs that cater to what you want to do. For aspiring teachers that can include networking with principals and current teachers. Often these connections open up doors for student teaching opportunities which can lead to full-time employment following graduation. Above all, make sure you listen to those you meet instead of pushing your own agenda. Take in more business cards than you give out and you'll build contacts that will help you grow in your new profession.
change your priorities. Make pursuing your passion your number one objective and everything else will fall into place.
Seek expert knowledge If you're going to make a career change, you want to do it right, and that means learning from the best in the business. For example, if you want to teach, the National Council on Teacher Quality ranked Western Governors University's (WGU) secondary teacher prep program as the top program in the nation in terms of quality from a list of
2,400 programs. The school is the top producer of STEM teachers in the nation, making it an ideal destination for STEM professionals interested in inspiring the next generation in these important fields. To be your best you need to learn from the best so focus on what you want to do and start researching who does it better than anyone else.
Smart networking Knowledge is essential and the right connections will make sure it doesn't go to waste. Connect with existing friends
Have faith in yourself Changing careers can be nerve-wracking, but it's also exciting. This is your chance to do what you've always wanted to do so don't listen to those who tell you that you can't do it. Have faith in yourself, your research, your education and your decision and you won't regret your decision for a single moment once you're finally in the career you've always wanted. To learn more about the programs available through WGU, visit WGU. edu. – BPT
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February 2016  29
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30 February 2016
See How Skills Learned in a Restaurant Carry on Through Your Career By d-mars.com News Provider
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ne in three Americans get their first jobs in restaurants, and half of all American adults have worked in the restaurant industry at some point in their careers. Restaurants are the nation’s second-largest private sector employer, offering skills and career opportunities to millions. A majority of employees who work in the restaurant industry are proud to do so, and while not everyone stays in foodservice forever, the industry still prepares them to succeed in any career path they choose. Teamwork, professional behavior, time management and communication are all skills learned in the restaurant industry. These skills are applicable to any industry, and serve to prepare students and young people for their careers. It is not only possible, but common, for employees to move from entry-level positions to those of management, and even ownership. Nine of 10 restaurant managers, supervisors and chefs, and eight of 10 restaurant owners’ first restaurant job was in an entry-level posi-
tion, according to “Who Works in the U.S. Restaurant Industry? A Nationwide Survey of the Restaurant Workforce.” The upward mobility offered to employees in the restaurant industry allows for growth and fosters a belief that it is a place where people of all backgrounds can open their own business.
“The opportunities available in the restaurant industry are endless,” says Steve Kramer, vice president of communications and external affairs, National Restaurant Association Educational Foundation. “Few industries offer the upward mobility found in restaurants and foodservice careers, and those who start in an entry-level position have the means to achieve a long-lasting and fulfilling career.” Last year, the U.S. Department of Labor published the first-ever Food and Beverage Service Competency Model, officially codifying the skills learned at each level of a restaurant career, and profiling the employability and technical skills essential to achieving life-long career success in the industry. The model is made up of nine tiers. The first two include personal effectiveness and academic competencies measured in any industry. Skills include motivation, critical thinking and dependability. Because these base skills learned in a restaurant are so important for any job, the industry is effectively training America’s workforce. Data, as well as anecdotal evidence, suggests that no matter what career they end up in, people who have worked in the restaurant industry never
stop using the skills they’ve learned there. With the opportunity for upward mobility, skills-building and a fulfilling, long-term career, the restaurant industry offers a unique blend of opportunities not usually found in other industries. These traits make it a good choice for your first job, a second career or a life-long commitment. – BPT
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February 2016 31
A Resolution to Keep: Save More Money By d-mars.com News Provider
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lmost every New Year, money-related goals rank near the top of resolution lists, right alongside “eat healthier.” The struggle is real. Many try to save money — at least for a few weeks — by bringing a sack lunch to work, driving past their fancy coffee shop or ignoring enticing emails of storewide clearance sales. USAA Bank surveyed people of all ages and income levels about how they save money and find extra cash in a pinch. Though many respondents said they are trying to save, most expressed difficulty doing so. “Savings are typically based on life stages. Those who are just starting out are saving for a major purchase, such as a car or home. If you’re older you’re more focused on retirement,” says Mikel Van Cleve, director of personal finance advice at USAA. As expected, USAA’s research found a person’s ability to save largely depends on their age and household income. Older Americans and those with greater incomes use their savings to cover unexpected expenses and save for retirement. Those with household incomes less than $35,000 are significantly more likely to say they’re not able to save
regularly. To be sure, economists say slower income growth in the last decade also may have contributed to inadequate savings levels. When asked how they cover unexpected expenses, most respondents reported taking money out of a savings account. However, nearly half of respondents seek out additional work; 35 percent have been compelled to borrow money from family and friends; 23 percent have sold personal items and 8 percent have taken out a payday loan. More than half of American house-
holds have less than one month of income available in readily accessible savings to use in case of an emergency, according to a new report from the Pew Charitable Trusts. Household Saving Rate in the United States increased to 5.6 percent in October from 5.3 percent in September of 2015, the highest since December 2012, according to the U.S. Bureau of Economic Analysis. Personal Savings in the United States averaged 8.36 percent from 1959 until 2015, reaching an alltime high of 17 percent in May of 1975
and a record low of 1.90 percent in July of 2005. The good news is that eliminating the occasional grande macchiato and ignoring a swanky handbag that’s finally 50 percent off, might not be necessary or most effective. JJ Montanaro, CERTIFIED FINANCIAL PLANNER (TM) at USAA, said there’s a better way to save.
He offers a few simple strategies to try in 2016: • Review routine bills and compare service providers. Look for ways of reducing fees and costs. • Look into refinancing your mortgage or auto loan — you may qualify for a lower rate. It doesn’t hurt to ask. • Find the right credit card. Look for a card with a low interest rate or cashback rewards. • Trade down to a less expensive car. We often spend more on transportation than necessary. “Most people think that in order to make a dent in their savings, they have to cut out all unnecessary daily expenses like trips to the coffee shop, but there are other ways to help you save more and reduce annual spending,” Montanaro said. To learn more about how USAA can help you reach your financial goals, visit www.usaa.com. - BPT
Over 50? Time for a financial checkup. Brandon Herndon, Agent 10103 Fondren Houston, TX 77096 Bus: 832-431-4222 brandon.herndon.rv4s@statefarm.com
Especially as you near retirement. Be proactive when it comes to your financial health. It’s never too late to get on the right path to a healthy financial future. Let me help you get where you need to be. Like a good neighbor, State Farm is there. CALL ME TODAY. ®
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32  February 2016
A New Car vs. Your Used Car: What's the Greener Option?
charged while making parts to fix an older car? Brake pads, struts, tires and other parts wear out as the miles pile up. Fortunately, unless the vehicle is involved in an accident, the structure that makes up most of a car will never need to be replaced.
By d-mars.com News Provider
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uying a new car to reduce your carbon footprint seems logical. But surprisingly, keeping the vehicle already in your garage, or replacing it with a more fuel efficient used car may be a greener choice. That’s because it takes a lot of energy and raw materials to manufacture a new vehicle. "It varies between models, but it is reasonable to estimate building a new $30,000 midsize car will generate greenhouse gases that are the equivalent of 14 metric tons of CO2," says RockAuto.com Vice President, Tom Taylor. The average car on the road is about 11 years old. EPA data shows that vehicles (cars and trucks) built in 2005, on average, emit 447 grams of CO2 per mile. A 2016 vehicle is expected to generate about 90 grams less than that every mile. Producing less CO2 is good, but it would take more than 150,000 miles of driving for that 90 grams in CO2 savings to add up and compensate for the 14,000 kg (14 metric tons of CO2) it took to build the new car. Especially for someone who does not drive a lot, it could be greener to just keep a well
maintained older vehicle than to build a new one.
How much do you save with an electric car? Electric cars do not have tailpipes, but an electric car is still on the hook for "upstream CO2" emitted by the utility which provides the electricity for the car. The EPA estimates upstream CO2 is around 100 grams per mile for most electric ve-
hicles. That is a whopping 347 grams less than what is produced by the average vehicle built in 2005, but it would still take over 40,000 miles of driving before the electric car saved enough CO2 to cover the greenhouse gas cost of building it in the first place.
The environmental cost of servicing older cars What about the CO2 equivalent dis-
Many smaller parts like alternators and major parts like engines and transmissions can be remanufactured. Remanufacturing means only the components that experience wear are replaced. Metal housings and other major pieces can be cleaned, refinished and reused. "Remanufacturing saves more than 80 percent of the energy and raw materials required to build a new part from scratch," Taylor says. Less energy and materials means less CO2. Car manufacturers are using more recycled materials and updating factories to use less energy. Government mandates require future vehicles become increasingly more fuel efficient. "Upstream CO2" may decline as utility companies find new, greener ways to generate electricity. Nevertheless, keeping your current car well maintained or buying a more fuel efficient used car are currently great choices if you want to be green. – BPT
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February 2016  33
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