d-mars.com Business Journal 93

Business Journal Inspire, Inform & Educate

April - May 15, 2015

INSIDE

Connect With Us

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93rd Edition @dmars_com

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Change Your Mindset

Greater Houston Partnership Hosts State of the City Luncheon PAGE 12

The Heartbeat of Real Estate

By Charles L. Wells It is easy to get hammered down by the technical language and marketing statistics of real estate.

PAGE 4-5

PAGE 16

Brandon Herndon: Your Insurance & Financial Services Expert

Bottom Line: Financial IQ Affects Business

By Mikal Powers April is National Financial Literacy Month, a campaign committed to helping all Americans learn more about healthy financial habits.

PAGE 20

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d-mars.com Creates Opportunities of Success and Connects North Side Businesses and Entrepreneurs Join our e-mail list for the latest updates@ d-mars.com

PAGE 8

Local Entrepreneur is the “Queen of Clean�

Do not call for black power or green power. Call for brain power.

- Barbara Jordan

Over 50?

Time for a financial checkup.

Brandon Herndon, Agent 10103 Fondren Houston, TX 77096 Bus: 832-431-4222 brandon.herndon.rv4s@statefarm.com

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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.ÂŽ CALL ME TODAY.

State Farm, Bloomington, IL

April - May 15, 2015 3

Journal Behind The

Publisher’s Message

Keith J. Davis, Sr.

SR. PUBLISHER Keith J. Davis, Sr.

SENIOR VICE PRESIDENT Kevin Davis

VICE PRESIDENT Kim Floyd

ACCOUNTING MANAGER Eugenie Doualla

Office Manager Johnny Ray Davis, Jr.

SENIOR ACCOUNT EXECUTIVES C.T. Foster Eric D. Goodwine Tiffany Black

A key to my success as an entrepreneur is that I had to change my mindset. When I first started out, taking risks and changing the way I did business created great success. Though it may be hard to change, change is sometimes necessary in business to see growth. The theme for this edition of the Business Journal is Change Your Mindset.

This month’s cover story is on Brandon Herndon, insurance and financial services expert. When he approached the insurance and financial services business with a changed mindset, results happened. Brandon is a shining example of how change is a positive thing. Everyone does not welcome change, but change is a good thing. Nothing stays the same. In business you have to change to stay competitive. Brandon’s story and other articles featured in this edition will give you the encouragement to Change Your Mindset in your business.

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.

CONTENTS

ASSOCIATE EDITOR Dawn Paul

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 Mathis Conner Dr. Wendy Johnson Charles L. Wells Mikal Powers

Brandon Herndon: Your Insurance & Financial Services Expert.......................................................................................................4-5 d-mars.com Creates Opportunities of Success and Connects North Side Businesses and Entrepreneurs.......................... 6 Local Entrepreneur is the “Queen of Clean”.............................................................................................................................................. 8 Networking: Developing Mutually Beneficial Relationships................................................................................................................10 Greater Houston Partnership Hosts State of the City Luncheon....................................................................................................... 12 What You Need to Know Before Hiring a Financial Planner................................................................................................................. 14 5 Tips for Achieving Better Tech-Life Balance.......................................................................................................................................... 14 The Heartbeat of Real Estate........................................................................................................................................................................16 Car Buying and Selling Simplified................................................................................................................................................................16 Bottom Line: Financial IQ Affects Business.............................................................................................................................................20 Financial Management Tips for Adult Learners Going Back to College........................................................................................... 22 Engage a Financial Professional to Boost Your Bottom Line............................................................................................................. 24 5 Money Traps to Avoid Each Month..........................................................................................................................................................26 Being Called a ‘Tech Geek’ is Now a Compliment...................................................................................................................................28 Plug Into These Spring Tips for a Smarter Home...................................................................................................................................28 Three Reasons Why You Should Consider an IRA...................................................................................................................................30 Hoping to Retire in 10, 20 or 40 Years?..................................................................................................................................................... 34 The 6 Smartest Money Moves Millennials Can Make in 2015.............................................................................................................. 34 Changing Our Mindset When it Comes to Finances..............................................................................................................................36 Podcasts – Get Your Daily Hustle Inspiration Here................................................................................................................................38

Are you Ready to Take Your Business to the Next Level?

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Tip of the Month “ If you have no confidence in self, you are twice defeated in the race of life. With confidence, you have won even before you have started.”

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BLACK PAGES ONLINE BUSINESS DIRECTORY What this means to you,

The Business Owner: • The ability to stimulate money in our communities • Publicity at an affordable price • The professionalism it provides to black-owned businesses

It’s time we put our future finances into our own HANDS! We must encourage members to patronize black-owned businesses to further expand the economic power of African American merchants and the households that support them.

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4 April - May 15, 2015

Brandon Herndon:

Your Insurance & Financial Services Expert

“Legacy is the true reason I do what I do. The more families we protect and educate, the more we cement our legacy in the Houston community.”

— Brandon Herndon

Brandon Herndon Remains at the Top of the Insurance & Financial Services Game

By Dawn Paul

Associate Editor

B

randon Herndon has a magnetic personality and genuine smile, but he is known in Houston as “Your Insurance Expert.”

For over 6 years Herndon and his team have been providing Houstonians outstanding insurance and financial services. Although it’s true that Herndon is in the business of making money, he finds it more important to put the customer before personal gain.

His positive and unique mindset when it comes to customer service has kept over 2,200 families and an impressive list of commercial clients protected. This mindset also keeps him at the top of the competitive insurance game. Herndon does not put himself in a box when it comes to serving clients. From families to commercial insurance services, Herndon does it all and prides himself on meeting every type of client need.

Herndon credits God’s grace for his success in the insurance business. He says, “I feel like I truly have received a PhD in insurance and financial services.” With a top notch team and a true passion for the insurance business, he doesn’t see what he does as work, but as

a way to provide families education and protection. He has been working tirelessly for over 6 years in insurance and finance to help ensure that Houston’s families and businesses are protected and secure. Because of Herndon’s approach to the insurance and finance business, his agency is listed in the top 100 in the nation out of 18,000 agents nationwide in new Auto Growth. Though you may

be used to the standard insurance agent personality type, Brandon Herndon is not your typical insurance agent. He is so genuine, that clients don’t even feel like they are at an insurance company.

Herndon provides clients with such a warm and inviting atmosphere, that it actually makes getting insurance enjoyable. You may find that hard to believe, but it’s true.

Herndon has always had a passion for the insurance business. In life, you never know when something unexpected will happen. He sees what he does as not only a business, but a way of being able to help protect families and commercial clients when the unexpected occurs. The insurance business has expanded and Herndon has stayed current on the trends in the insurance business so that all clients continue to receive his outstanding services. Understanding the importance of leaving a legacy in the community is at the heart of what Herndon does. In many instances, insurance was the only way to replace the financial contributions of loved ones. He sees what he does as a calling, protecting families and business in our community who are in need of affordable, but quality insurance.

Not only does he provide insurance and financial services, but also defensive driving classes. Herndon became interested in the defensive driving business because his clients kept getting tickets.

It was then a lightbulb went off and his defensive driving company, Driving Safe TX was born. Defensive driving classes are a great and convenient extension of what he offers clients. Defensive driving can lower car insurance up to 10% and many people don’t know that. Not

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only does Herndon provide services, but education as well. “I wanted to help my clients become better and safer drivers,” Herndon says. Because of his defensive driving services, there are less tickets and accidents for his clients, which results in clients paying less for car insurance. With two convenient locations for his defensive driving classes, Herndon adds another gold star to his already impressive insurance business resume. His goal is to continue to be the 1st and best choice when anyone needs to take defensive driving for a ticket or to lower their insurance cost on auto insurance.

It’s not easy for families and commercial clients to choose an insurance company. There are so many companies to choose from that it can be overwhelming. Herndon stands out from the rest because of his approach to clients. He doesn’t see insurance as a commodity, and feels the details truly make the difference. Where his competitors focus on price, Herndon focuses on value. Because he is the father of two young children and a businessman, he understands that price is a major concern to family and commercial clients. Though other competitors may overlook value, he is always cognizant of this concern. He has extensive expertise in insurance and finance, so his attention to detail is what keeps his client list growing. Herndon expresses, “I keep things simple. I have paid the price and I am willing to do whatever it takes to keep myself educated and my business current in the insurance and finance industry. I achieve success because I am willing to pay the price. My clients are everything.”

Not only does keeping current customers happy matter to Herndon, but continuing to grow his client roster is an absolute catalyst for growth in his business. New clients feel empowered and educated from day one with Herndon and his team. No matter the need, families and commercial clients understand that his agency offers access to the best benefits at an affordable rate. When clients sign with Herndon, they know that membership has its privileges. Herndon understands that a commercial client needs a policy different from a family, and no client need is too small. Every client is treated like gold, because without clients, it would be impossible to be profitable. Herndon says, “A business owner who only focuses on just current or new clients could find himself or herself struggling to achieve growth.”

Sometimes you may put off switching insurance companies because you think it will be an inconvenience, but Herndon makes switching with State Farm super simple. When it comes to switching, Herndon says, “We quote you, explain the coverages, and then help you cancel with your current insurance carrier.

However, I do not believe in switching you to State Farm if you currently have better coverage elsewhere.” Herndon believes in integrity in this business, because of the stigma associated with the insurance business. “My agency is not that hard up that we have to come up with voodoo mind tricks and deception to get you to switch to our agency. Our secret sauce is just hard work and being consistent with our core business strat-

“I put community 1st and personal gain last. God has blessed me in this business. Because much has been given to me, I know much is required of me.”

– Brandon Herndon egies,” Herndon says. Serving families and commercial clients with integrity is everything to his agency.

Let’s face it, insurance can be expensive, but when something unexpected happens, you can’t afford not to have insurance. Herndon helps clients deal with insurance rates by consulting with the client to see what is best for their family or commercial needs. Herndon puts together a package to fit the needs of the client. “The key with insurance is making sure you do not have too much insurance, but also making sure you are not underinsured,” Herndon says.

Herndon advises everyone to evaluate their coverage early to help ensure that they are getting the best deal possible.

In addition, Herndon also stresses staying with companies that recognize and know that they will pay the claim if

something unexpected happens to their family or business.

His location in the heart of Houston allows him to serve a diverse client base that represents the diversity of our great city. Herndon’s diverse and bilingual staff also represents the diversity of Houston, so all client needs are served and information is accurately communicated. Herndon appreciates the diversity of Houston and his agency’s client list represents just that. Herndon states, “I love the diversity of Houston. I love that I can serve all clients. All clients are valuable, no matter the race, creed, or financial status.”

Though he’s at the top of this insurance game, Herndon sees it as important to have goals for his business to continue to grow. He wants to continue to make a positive impact on the

Houston community and continue to provide families and commercial clients with knowledge, quality service, and care. As Herndon continues to grow profits, he keeps his outstanding brand and reputation consistently respected. Herndon’s clients communicate with him on a regular basis how they appreciate him and the team going above and beyond for all their needs.

Herndon finds it so rewarding to know that clients and referral partners are receiving the best service. Also, Herndon does random calls to clients to let customers know that State Farm has them and their business as a priority. His staff understands the core values of the State Farm mission and his clients appreciate that.

Because the community is of great importance to Herndon, his agency in the community is his greatest achievement. He knows that without the community, he would not be where he is today. Herndon says, “We are very involved in our community and we work with several non-profits, churches, and organizations.” He knows his appreciation for the community and his contributions to the community have helped create his success.

Though auto insurance is his agency’s core product, financial services, other types of insurance, defensive driving, and other services are available for families and businesses. Herndon sees his agency as a one-stop shop to protect families and commercial clients. Recently, his office was a leader in Texas for Financial Services Production.

Herndon says, “We always go above and beyond for our clients.” The insurance and finance business is a competitive one, but Herndon has been successful in meeting the needs and exceeding the expectations of families and commercial clients. To read more about Brandon Herndon and his services, please visit www.HerndonInsuranceTX.com and www.DrivingSafeTX.com.

Experience Our World of Advertising, Marketing, Media and Communication

6 April - May 15, 2015

d-mars.com Creates Opportunities of Success and Connects North Side Businesses and Entrepreneurs

By Dawn Paul

Associate Editor

T

he d-mars.com brand has been a beast as a full-fledged media company for 16 years. The d-mars.com journals have been inspiring, informing, and educating Houston in such areas as business, health and wellness, and politics, among other areas.

You can’t miss the very well-known black, red, and white logo that stands for nothing but success. Success is the name of the game and d-mars.com has been winning. One of the reasons for the d-mars.com triumph is due to networking and connecting. This month’s theme is Change Your Mindset and this event is perfect timing as d-mars. com wants business owners on all levels to change their mindset when it comes to networking, so their business can grow and flourish to its highest potential. Building key relationships in business will help you stand out from the competition. In January, d-mars.com expanded and launched a north office and business journal called Black Pages North that is reaching out to connect the north side of Houston’s business community. In addition to the journal, starting this month, d-mars.com is providing the north business community an opportunity to connect with a free networking event (Mix and Mingle) every Wednesday from 6:00PM – 10:00PM at Renae’s Restaurant and Wine Bar (1672 Cypress Creek Parkway, FM 1960 West Houston, TX 77090).

Effective networking and connecting can build your brand and help in your professional development. Some find it hard to network and that’s understandable, because it can be intimidating being forced to meet new people in an unfamiliar environment. The truth is that if you don’t network, you are keeping yourself disconnected from valuable opportunities. The d-mars.com Mix and Mingle event is a different type of networking event, in that it provides a comfortable and non-intimidating environment to network and connect.

Do you find it hard to network? Well, start to change your mindset. Remember, it’s all about confidence, but even though it’s good to have confidence, you do need to be prepared to effectively network. To start to change your mindset, a great suggestion is preparing a 10-15 second speech that sums up who you are and what you do. Have this speech prepared, so when you’re asked about yourself (which you will be) you have a clear and concise prepared answer that makes an awesome first impression. First impressions are everything and preparing that speech may make the difference in a good or bad first encounter. Also, remember when networking, it’s not about you. It’s great to tell people who you are, but both parties should benefit.

Make sure you let the individual tell you who they are and offer to assist them as well, whenever possible. Another great tip in networking is to be yourself. It may sound cliché, but it works. Building relationships takes time and to build key relationships is something you have to work on daily, because it doesn’t happen overnight. Change you mindset, be prepared, have confidence, and be your-

self are a few quick tips to making you a power networker.

The d-mars.com Mix and Mingle has been a success. Mr. D-MARS and Brother D-MARS have created a unique opportunity for the north side, providing a great place for the north side

business community to network, mix, mingle, and connect. Change your mindset about networking and see it as a necessary element to start to grow and expand your business. Join d-mars.com every Wednesday this month. You’ll be glad you did!

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Experience Our World of Advertising, Marketing, Media and Communication

8 April - May 15, 2015

Local Entrepreneur Is the “Queen of Clean”

By Dawn Paul

Associate Editor

T

he theme for this month’s Business Journal is Change Your Mindset and Renea Gray is an example of what can happen when you take risks and change your mindset in business.

Gray’s entrepreneurial success started in the late 90s and her experience in the cleaning business extends over 15 years.

Since 1996, she has been providing stellar cleaning and organizational services to residential and commercial clientele in the Houston area. Recently, she became a franchisee with Coverall, one of the most respected commercial cleaning companies. When you think a cleaning company, think again when it comes to Renea Gray. Her company, Gray’s Helping Hands Residential and Commercial Cleaning is so much more than just a cleaning company.

After being in the cleaning business for over 15 years, she is considered the “Queen of Clean” to many people in the Houston community. Gray considers herself a free-minded entrepreneur.

She doesn’t keep herself in a box when it comes to business. She is an amazing example of how changing your mindset in business can pay off. Gray is always thinking ahead and encourages others to do the same in their business. Recently, she became a franchisee with Coverall.

She was already successful in the cleaning industry, but is now taking her business to a higher level with this Coverall partnership.

Coverall is a national leader in the commercial cleaning services franchise industry. What is unique about Coverall is that their system leads the industry in cleaning at a deeper level that helps reduce the spread of illness-causing germs. Being a franchisee, Gray will increase her commercial client roster, which will increase her dividends. Retail stores, manufacturing plants, government facilities, and auto dealerships are on the list of commercial clients for Gray. Coverall has over 40,000 customers, including several in the Fortune 500. Because both Gray and Coverall have a good reputation in the cleaning industry, they both stand to benefit.

The cleaning industry is a competitive one, but Gray is going to maximize growth potential with Coverall.

Though there are other cleaning companies out there, Gray is continuing to set herself above the rest when it comes to this business. Gray will be providing a cleaning service for commercial clients that will remove nearly 100% of bacteria, allergens and dust from the air, which will prevent the spread of bacteria from one area to another. Consistency and competitive pricing is also a major benefit for the client. Gray is excited about this partnership, and sees more opportunities for expansion and busi-

ness growth.

How many times have you said you need to organize your space or clean out your garage? Gray expanded her cleaning business to include organization services because she saw a need in her subdivision. She saw that over half the residents in her subdivision were not using their garages because of all the clutter. Cleaning a garage is one of the most time consuming tasks around the house.

Over time, the garage accumulates large amounts of junk and the clean-up seems impossible. She saw there was not just a

need for cleaning, but for organizing as well. She also is specialized in organization because she understands that each client has a unique cleaning or organizational need. Her company can organize that cluttered garage or that messy office space. Gray’s Helping Hands Residential and Commercial Cleaning doesn’t see any job as too big or too small.

Gray’s Helping Hands Residential and Commercial Cleaning serves residential and commercial clients, approaching each job differently.

Clients have a sense of relief after Gray’s Helping Hands Residential and Commercial Cleaning services their home or office. Among those on her impressive client list are Cynthia Cooper and Sheryl Swoopes. “What keeps us going is the loyal people that work for us and the clients that use our services,” expresses Gray.

Gray’s goal is to expand and to be able to continue to provide jobs for people in the community. Gray’s Helping Hands Residential and Commercial Cleaning is not just a business. Gray sees this business as a way to give back.

Gray says, “Creating this business allows me to employ people with talent. I desire to provide opportunities to other people who have been disadvantaged in their lives. I want to see my employees reach higher heights.” To contact Gray’s Helping Hands Residential and Commercial Cleaning for their services, please call 832-902-5812.

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Experience Our World of Advertising, Marketing, Media and Communication

10 April - May 15, 2015

Networking: Developing Mutually Beneficial Relationships

A

Dr. Wendy Johnson Contributing Writer

re you interested in becoming better at business networking? Many think of networking as mainly attending events and exchanging business cards. This is NOT true.

Networking is the exchange of information, advice, and referrals, via an immediate informational interview process. It is typically to obtain business and enhance your career. Essentially, it is a meeting designed to establish mutually beneficial relationships. The key word here is mutually. Both you and your contacts will benefit from your networking efforts.

On average, most professionals don’t do enough networking and their worst business networking mistake is that they don’t build a professional network until they really need one – and that’s TOO LATE. Why? A vital part of networking is relationship and trust, and expecting to develop that kind of affiliation during a “time of need” is NOT realistic.

There’s nothing complicated about networking, even though many are confused by it, misuse it, or fear it. Although it sounds easy, it requires a leap for many professionals. Some people are naturals, as it takes a little more

planning and practice for others. Depending on your personality, walking into a group of strangers, extending your hand, and introducing yourself can be stressful and even scary. If you are willing to invest the time and energy needed to develop a strong network of contacts, you can become a magnet who attracts people and resources.

No matter where you fall, you can always improve your networking skill and comfort. It’s worth it for your business, your career, and for the opportunity to give and receive assistance.

Below are a few beneficial networking tips: • Diversity is key. Strive to learn from a diverse group of people. Various business professionals have a lot to teach and share when an individual is open to learning and change ideas.

• An online connection is vital. Develop an online network of professionals. Although worldwide is not local, it is the new networking. It is also easier for people who may be uncomfortable in a faceto-face setting. However, don’t use it to replace networking in person.

• Be effective. Build a network of partners to keep an open eye and ear for new opportunities for you, and vice versa. Networking is only effective when it is mutually beneficial.

At the end of the day, networking should produce results. It is an ongoing task that takes commitment, practice, and follow-through.

Making the right connections will put you on the path to success. Ultimately, the key is being able to leverage your people networks, as they will save you time, energy, and money.

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Experience Our World of Advertising, Marketing, Media and Communication

12 April - May 15, 2015

Greater Houston Partnership Hosts State of the City Luncheon

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Experience Our World of Advertising, Marketing, Media and Communication

14 April - May 15, 2015

What You Need to Know Before Hiring a Financial Planner

By Dawn Paul

W Associate Editor

hen it comes to money advice, there are so many experts and so much advice out there.

Numerous financial experts are telling you what to do when it comes to your money that sometimes it can be overwhelming. From having a will to how much savings you should have in your emergency fund, there are so many tips from experts. It is necessary to do extensive research on potential financial advisors and their advice to make the best decision for your finances. Before you take any financial expert’s advice and sign on the dotted line, do a background check.

You would be surprised about people not doing background checks on a broker before hiring them. According to www.goodfinancialcents.com, more than 70% of all investors do not do a background check on their broker before hiring them. That means that 1/3 of people that decide to work with a financial planner do not check the background of that person that they are getting ready to hand over their life savings to. It’s easy to be impressed by a welldressed individual with credentials on the wall in their nice office who says the right things, but remember that you are handing over your life savings to someone. Basically, you are putting your financial well-being in their hands. It

doesn’t matter if they come highly recommended or are seen with influential people, doing a background check can give you some sense of security before hiring that broker.

When you think of background check, don’t just think criminal background check. Some don’t know what other background checks to conduct or what other information to look for besides a criminal background check. Though that is a common and necessary background check, there’s also other background checks and sources you need to go to. It’s also important to know what other information to look for. www.Goodfinancialcents.com gives some great tips on how to do a background check on a financial advisor and what additional information to look for before hiring one.

Check if they are a Certified Financial Planner™ professional.

To be a Certified Financial Planner™ (CFP) professional, there are certain renewal and certification requirements of the CFP Board that must be fulfilled.

Only those who have met the requirements can display the CFP certification mark. Also, CFP practitioners agree to abide by a strict code of professional conduct known as the CFP Board’s Code of Ethics and Professional Responsibility.

This code sets forth their ethical responsibilities to the public, clients and employers. Visit CFP.net to see if a planner has had any disciplinary actions against them.

Conduct a FINRA Broker Check.

A financial advisor that is considered to be a registered representative is regulated by the Financial Industry Regulatory Authority (FINRA). Typically if the advisor works for a brokerage firm, they will be regulated

by FINRA. FINRA has developed a service to help investors keep tabs on financial advisors called FINRA BrokerCheck®.

It allows you to put in the advisor’s name and provides you all of the background information available. This check can tell an investor’s work history, disciplinary actions, states licensed to transact business in, and industry exam information. In addition to that information, the check also tells you what previous forms that investor was licensed with.

Conduct a Securities Exchange Commission – Investment Advisor Search.

This is where the term Registered Investment Advisor (RIA) comes into play.

People or firms that get paid to give advice about investing in securities generally must register with either the SEC or the state securities agency where they have their principal place of business. Investment advisers who manage $25 million or more in client assets generally must register with the SEC. If they manage less than $25 million, they generally must register with the state securities agency in the state where they have their principal place of business. You can conduct a search on brokers and advisors on SEC’s website at www.sec.gov.

Check their social media profiles.

Sure you can put the advisor’s name in Google, but take it a step further by checking their profile on their social media account. If the advisor is on Twitter, Facebook, or LinkedIn, you might also be able to find out some good information too.

An advisor’s latest updates and posts may give you a clue on what type of person they are. On LinkedIn, you can view all their connections and if anybody has recommended them.

You work hard for your money, so following the above suggestions will help you make an informed decision as to finding a financial advisor who should handle your money. There are many resources you can turn to for credible background checks on a financial expert. It may take some time, but doing a background check can help give you that sense of security when it comes to your finances.

5 Tips for Achieving Better Tech-Life Balance

I

By d-mars.com News Provider s your device your vice? Americans think they are able to easily balance their technology use with their regular activities, but when the numbers are crunched, perception doesn’t match up with reality.

One in four Americans report they get stressed out when they’re away from their email or phone for longer than 30 minutes, according to a survey conducted by GMI and commissioned by Crucial.com. And 84 percent of male respondents admitted to checking a mobile device while driving, in a movie theater, at a funeral or at a child’s play or recital.

Technology overuse is making many Americans feel guilty about the amount of time they spend digitally connected.

Life balance expert, Mary LoVerde, author of “Stop Screaming at the Microwave” and “I Used To Have A Handle On Life But It Broke,” provides the following tips on how you can reconnect

with your friends and family, and help balance your use of technology.

2. Maximize your devices’ efficiency.

1. Establish personal tech-life balance policies.

Waiting for programs to load can be a frustrating time-waster so make your devices as user-friendly as possible. The speed and amount of memory you’ve got installed helps determine how fast applications are able to operate. Upgrading your system’s memory and software and closing the apps you are not using are simple low-cost ways to help your technology help you.

Take a look at what you value and set some policies to help you stay connected to what’s most important. For example, everyone values family time, but it is not always prioritized. You might make a family policy that limits technology at the dinner table, after 9 p.m. or while your children complete their homework. Maybe you and your partner agree to shut off technology for an hour before bed to give attention to each other.

You no doubt value your safety and the safety of those around you. So make a strict policy that texting and driving is an unacceptable practice, and then stick to it. Announce to others out loud what your policies are. A clear and public declaration can lead to peer pressure, which can help ensure that you stay true to your promises.

things it does to reset your body. Given the choice between technology and sleep, opt to get some more shuteye.

4. Look up.

Seriously, every once in a while just look up and see what is going on in the real world all around you. Make eye contact. Smile at someone. Breathe deeply. Pay attention to the world.

There is magic out there that you are missing.

5. Stop taking yourself Checking Instagram, e-mail, or so seriously.

3. Pick sleep over technology.

LinkedIn cannot compete with the benefit of a half hour more sleep each night. In many ways, your brain is a computer, too. At night this neurological PC repairs genes, secretes many regulatory hormones (including the one that makes you lose weight), conjures up the necessary dreams that keep you sane and stores information you learned that day - to note just a few of the many

We need to understand that when we let go of some of our technology, other ideas will come into clearer focus. We have to believe that Chicken Little’s sky will not fall if we log off for an hour. If we miss a selfie, a posting, or a call, the planets will remain in orbit and in the meantime, if we are lucky, we will have reconnected with our humanness in a meaningful way. – BPT

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Experience Our World of Advertising, Marketing, Media and Communication

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The Heartbeat of Real Estate

I

Charles L. Wells

Contributing Writer

t is easy to get hammered down by the technical language and marketing statistics of real estate. It can be hard for some to realize the actual heart at the center of this dynamic business. The Greater Houston area houses one of the fastest growing residential and commercial developments in the nation. Though it serves as a wellspring for both individual and corporate investments, where can the heart beneath the large body of data and statistics be found?

Wells Brothers Realty Group takes a different approach to real estate.

We envision an interaction that substitutes heartless transactions for real human relationships. Whether you are purchasing your first home or retiring your last, we understand the significance involved. We understand

the care required in overseeing such a pivotal transition. As real estate consultants, we not only dedicate our time and energy to ensure our clients receive the highest quality of service, but we also facilitate a process that is

clear, direct, and accessible to all.

Mother Teresa said, “Love begins at home, and it is not how much we do... but how much love we put in that action.” Regardless if you are looking to rent, sell or buy, the true common de-

nominator between these actions is not the properties involved, but the homes.

Houses are bought and sold every day, but the home is what we invest our love in and what never really leaves us.

Wells Brothers Realty Group wants to be a part of the process to work with individuals and families who share in common the bond of community.

Along with our level of expertise and knowledge of the real estate market, we have a love for the community. We represent a new age of realtors charged with the energy and ambition of making a positive impact in the lives of the people in the community.

By no means do we wish to downplay the business side of the market or our knowledge of the property investments often involved in the buying and selling of real estate. We firmly believe whether you are an investor or a firsttime homeowner, you share a stake in fostering a healthier and more vibrant community.

Wells Brothers Realty Group asks that each client consider our partnership a kind of personal investment. We want you to depend on us as if we are an extension of your family and friends.

To contact Wells Brothers Realty Group for your real estate needs, please visit www.wellsbrothersrealty.com.

Car Buying and Selling Simplified: Insider Secrets to Avoiding Hassles and Saving Money

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By d-mars.com News Provider aving a car is a necessity for most people, but buying and selling one shouldn’t cause headaches and waste time. Industry insiders know there are steps that can help both buyers and sellers maximize their investment while minimizing stress.

“The process of buying or selling a car can be complicated, but it doesn’t have to be,” says Mike Dodd, a 25-year veteran of the automotive industry and CEO of CARPHORIA, a consumer service company that streamlines car acquisitions and sales. “The key is to be smart and thoroughly consider your options. Don’t assume you have to sell and buy the same way your parents did,” Dodd offers these tips that savvy car owners can rely on when buying and selling a vehicle:

Know your budget Buying a car is a large purchase, so make sure to stick to your budget. If you are financing your vehicle, be sure to get pre-approved for a loan at the lowest rate you qualify for. Often getting financed at the dealership doesn’t allow you to get the lowest rate. Even a small increase in

Thoroughly inspect used vehicles

interest rates can add up to thousands of dollars over the life of your loan. If you do finance through a dealership, ask to speak to the lender directly to confirm you are getting the rate that you actually qualify for, and that you aren’t giving a few percentage points to the dealer as part of their “facilitation fee.”

Buy used rather than brand new Financially savvy car buyers understand that buying a brand new car is expensive. In fact, new cars decline in value by about 25 percent each year for the first five years, according to Edmunds. That means if you change your mind next year, your $40,000 car will only be worth $30,000 (and chances are if you financed it, you owe more for it than it is actually worth). Instead, research the car you’d like to own and look for one a year old, with less than 15,000 miles on it. That will instantly save you money. Also, allow yourself some time to shop online and in person so you can find the price you want without feeling pressured to buy on the spot. Remember, there will always be another car you like – you don’t have to make rushed decisions.

Buy and trade separately Most people leave money on the table

by simply trading in their vehicle when they purchase their new one. You should negotiate your purchase without any sort of trade-in taken into consideration.

The same goes for negotiating the sale of your old car. By separating the two, you are able to focus on the getting the best outcome in both transactions. With a nationwide network of dealer partnerships, selling services like CARPHORIA find the best price possible for used cars based on nation wide demand, not just the demand in your city. For example, a dealer in the northeast may pay more for a vehicle from a state like Texas than they would from other northern states because they don’t have to worry about rust damage. Visit www.carphoria.com for more info.

Third-party history reports on automobiles are a great starting point when you are looking to purchase a used vehicle. But half of motor vehicle crashes go unreported, and more than 450,000 vehicles each year have false odometer readings, according to the National Highway Traffic Safety Administration. Whether from a dealer, private owner or personal friend, always get a comprehensive inspection done on used vehicles before signing anything. Having an accurate picture of the current state of everything from the motor to the air conditioner could affect the price you should be paying.

Get an extended warranty Car repairs are an inevitable part of car ownership. However, extended warranties provide peace of mind and can save you a lot of money on repairs once a manufacturer’s warranty is up. Shop around to get the highestquality plan for the lowest cost from a reputable company. For example, CARPHORIA offers extended warranties at a fraction of the price of what is traditionally charged. – BPT

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Bottom Line: Financial IQ Affects Business ing economic climate, University of Phoenix offers resources and shares best practices to help Houston companies stay competitive in the local economy, including hosting events highlighting the latest trends impacting business.

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By Mikal Powers

Contributing Writer

pril is National Financial Literacy Month, a campaign committed to helping all Americans learn more about healthy financial habits.

This national observance provides a significant opportunity for consumers and business professionals to evaluate financial standings.

For current or aspiring business owners, understanding the importance of a company’s financial health is a crucial component to making informed business decisions critical to a company’s bottom line. Considering more than half of working adults in the U.S. either currently own or want to own their own business, according to a recent University of Phoenix School of Business survey, financial literacy is of the utmost importance to our business community.

Recognizing the need for business leaders to make sound financial decisions and ultimately thrive in today’s increasingly competitive and challeng-

If you are one of the many Americans who currently own or are interested in owning a business one day, these are a few tips that can help build and sustain a successful and financially viable business: • Create a business plan. Use it to set priorities, address gaps, and lay out your growth strategy.

• Look beyond banks for funding. There are inventive methods to generate seed money when loans and grants are not feasible. Crowd funding, preselling, gift certificate sales, and silent partners can help entrepreneurs generate enough cash to start a business.

• Address financial planning and management. Financial planning can be one of the most challenging aspects for business owners who are not trained in this area, so do your research to solicit input from experts in financial planning and management.

• Educate yourself. There are plenty of educational resources available to those who want to learn more about financial best

practices in business, including workshops, seminars, classes, and webinars. University of Phoenix Houston Campus frequently offers workshops designed to provide local entrepreneurs with resources on starting and sustaining new businesses. Visit www.uopx eventshouston.eventbrite.com for more information on future events.

Mikal Powers is campus director at Uni-

versity of Phoenix Houston Campus overseeing campus operations. Powers earned a bachelor’s degree in business management and a master’s degree in business administration from University of Phoenix.

He spent five years as a Helicopter Search and Rescue Swimmer and Operations Petty Officer in the U.S. Navy. After earning his degree, Powers attended the U.S. Coast Guard Academy and became a reserve officer for South Texas, where he is committed to keeping communities safe and assisting residents in need.

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Financial Management Tips for Adult Learners Going Back to College

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By d-mars.com News Provider

he ever-rising price tag of college education has been in the news for years, with the average cost hovering just less than $20,000 a year, according to the National Center for Education Statistics. That number, however, speaks to first-timers enrolled full-time in a four-year or two-year college.

What about adult learners - professionals either looking to continue their education and earn another degree, or those who are returning to school to finish an incomplete degree?

“Many adult learners already in the workforce juggle a number of expenses besides tuition and text books,” says Tracy Lorenz, president of Western International University (West). “They’re paying mortgages or rents, childcare costs, utility bills, car payments and more. Earning a degree can put a strain on their finances.”

Cost was the biggest barrier to continuing education cited by 1,000 women in an online survey conducted by West. Respondents, who had indicated an interest in returning to college, said cost trumped an institution’s prestige in influencing their choice of learning institution.

If you’re considering returning to school as an adult learner, it’s essential to find effective ways to control education costs and

4

Explore financing options.

manage your overall finances. Here are five steps that can help you control costs while earning a degree:

Paying for college is a complex endeavor, regardless of whether you’re an adult-learner or a first-time student. It’s important to explore all financing options – from loans and grants to other forms of financial aid. Many employers offer tuition reimbursement programs, while other students may qualify for additional assistance for their service in the military. To determine if you are eligible for federal financial aid, visit studentaid. ed.gov.

1

Comparison shop for the best tuition and costs.

While more than one institution may offer the degree program you want, costs will vary from school to school. Many adult learners find that online degree programs offer the best value in terms of cost and quality of education. Not only is tuition typically less, online programs offer adult learners greater schedule flexibility – so they can continue earning a living wage and arrange their schedules to minimize costs like childcare and transportation.

Some schools, like West, offer online tuition comparison guides that help students compare costs among select institutions.

2

Prior learning assessment credits may lower costs.

First-time students have a lot to learn, and the costs of a full-time education at a four-year college reflect that. Adult learners, however, already have professional and life experience under their belts, and many institutions have created programs that take this into account. Credit you earned at other colleges or universities may transfer to the institution where you’ve chosen to continue your education. You may hold

professional certifications, licenses or corporate training that could also qualify as college-level credit toward a degree. To learn more about prior learning assessment credits, visit the Earned & Learned Credit page on West’s website, www.west.edu.

3

Find ways to lower textbook costs.

After tuition, textbooks are a significant expense – for both adult learners and first-time students enrolled in a full-time degree program. Many schools sell used textbooks at a lower cost than new. You may also be able to buy or rent textbooks through a variety of independent online websites. Many online degree programs also include digital copies of text book and course materials with no extra charge.

5

Practice basic financial planning.

Smart money management habits are always valuable – especially when you’re paying for a college degree. If you haven’t already done so, create a personal budget or a household budget that will allow you to closely track monthly expenses and income. Curtail discretionary spending, but don’t eliminate important long-term financial goals such as saving toward retirement or to buy a home.

“Improved earning potential is one of the many benefits of returning to school,” Lorenz notes. “With research and planning, adult learners can protect their financial wellbeing while earning their degree.” – BPT

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Engage a Financial Professional to Boost Your Bottom Line

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By d-mars.com News Provider

omen today are enjoying a hardwon sense of independence.

While there are many aspects of a woman’s life that can be successfully navigated alone, when it comes to financial planning, a collaborative approach is best.

Women are increasingly taking control of household finances, but they are no more prepared to meet long-term financial goals than they were a decade ago, a recent Prudential Financial study on the “Financial Experience and Behaviors Among Women,” found. One universal problem impacting all generations of women is a reluctance to seek assistance from a financial professional.

“Our study found that women - like men - still do not tend to seek out financial professionals to help them achieve their goals,” says Caroline Feeney, president of Agency Distribution, Prudential’s national sales organization. “This is particularly concerning given that women increasingly are making the financial decisions in their households.”

The study cites that nearly half of women - 44 percent - are the primary breadwin-

ners in their households, and 27 percent of married women now say they “take control” of financial and retirement planning and manage it themselves.

Yet, with all that control, most women don’t feel they have a grasp of investing, and one in five maintain that the financial services industry does not understand their needs. Why the disconnect? Some say the Internet may be partly to blame; with a wealth of information (and misinformation) easily accessible online, some women may opt to do their own research. The problem with this strategy is that women lose out on the personalized investment advice that can only come from a face-toface meeting with a financial professional who understands their unique situation and goals.

“Women are definitely undermining themselves by avoiding professional assistance with their finances,” says Feeney.

“Those who do work with a financial professional universally report feeling more confident about their finances than those who choose to go it alone.”

A common misperception is that hiring a financial professional is expensive or that you need to be wealthy to work with one.

In fact, there are different types of professionals who can help you whether you’re just starting out or nearing retirement.

Feeney says when selecting a financial professional, you want someone who’s knowledgeable and can break things down in simple terms, noting that a good one can help you quantify your goals and determine when/how you can achieve financial wellness. Other tips for finding the right professional include: Ask for referrals from those you know.

Friends, family members or other professionals like accountants are good sources.

• Be sure to check credentials; designations like Chartered Life Underwriter, Chartered Financial Consultant or Certified Financial Planner are important.

• Interview several candidates and be sure to visit financial planning websites - many have tools that will

help you locate a professional in your area. The other thing to keep in mind is that a relationship with a financial professional is meant to be long-term, not a one-time consultation. Your financial needs will change and evolve - a professional can help you make necessary adjustments to your growing portfolio.

To learn more, go to www.prudential. com/women. The site includes helpful life-stage checklists, easy-to-understand guides to financial products and services, and first-person financial accounts that provide encouragement and support. You can also access an online tool to help you find a financial professional who is right for you. – BPT

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5 Money Traps to Avoid Each Month

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By d-mars.com News Provider

re you always on the prowl for a better deal?

Looking for ways to save money – but without having to cut back on quality?

People often overspend in ways they don’t even realize. From service plans that aren’t being used to buying too many bulk items, it is easy to throw away money without even knowing it. If you want to better balance your budget and keep more money in your pocket, keep an eye out for these five money traps: 1. Bulk shopping in the grocery store – Avoid bulk shopping unless you’re sure you’ll use the whole package. Yes, the price is cheaper when you buy in bulk – but is your household actually consuming the food products before they go to waste? If you’re throwing away spoiled foods frequently, you’re probably buying too much. To make the most out of discounted bulk shopping, go shopping with a friend or neighbor. Split the cost of the goods and carpool to the store. This way, you’ll both be saving money.

2. Shopping the coupons for items you don’t need – Don’t use a coupon unless an item is on your shopping list. Manufacturer coupons are a great way to save money on an item – if you need the product,

that is. Only clip coupons for the items you have on your list. If it’s not there, that coupon isn’t saving you any money. In fact, it’s costing you money. To make better use of coupons, combine them with store discounts for bigger savings on the items on your list.

3. Paying for more than you need – Take a good look at your service contracts like your wireless bill. Are you using all the services you’re paying for? No-contract plans like Total Wireless ensure you get everything you need and nothing you don’t. Available exclusively at Walmart, this plan offers unlimited talk, text and 2.5 GB of data on America’s largest and most dependable network – all for a low price. And, for just $10 you can purchase 1.5 GB of Carryover(TM) data that never expires with active service.

4. Throwing away what can be reused – Take stock of what you’re sending to the curb in your garbage or recycling containers.

How many reusable plastic

food containers and paper towels do you throw away each week?

Try using cloth towels instead of paper ones, and cleaning and reusing plastic containers. You’ll never need to buy plastic storage containers again, and as your towels start to fray and show signs of wear and tear, just send them to the garage where they’ll be perfect for washing the cars or checking the oil.

5. Setting up automatic payments – Don’t schedule automatic payments for non-essential expenses. Scheduling automatic payments from your checking account or credit card is certainly a time-saving tool, and it should be used for specific bills that you must pay each month to avoid giving away money on late-fee charges. But for superfluous payments such as a gym membership or moviestreaming subscription, it makes it harder for you to

analyze if the service is something you need – or want – each month.

Consider physically writing out a check or paying these bills online each month, so that you can reflect on how much you actually used the service, and if the price was worthwhile for you and your budget.

A careful review of how you’re spending your money might shine light on areas where you’re throwing money away.

So take a careful look and see if any of these tips can help you save some money, or at least put it to better use. – BPT

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Plug Into These Spring Tips for a Smarter Home

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By d-mars.com News Provider

Being Called a ‘Tech Geek’ Is Now a Compliment

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By d-mars.com News Provider

re you the family member or friend who is always called when someone's computer breaks or starts acting up? Do you have a person on speed dial whenever you need a website created or program updated? The old stereotype of a computer geek who’s always wearing a pocket protector and glasses with taped-together frames is quickly becoming a thing of the past.

These days, men and women who are able to speak "tech" and fix those pesky computer programs are in high demand, both professionally and among friends and family. One reason is that more than 80 percent of American households have a computer, according to the U.S. Census Bureau. When those computers don't work, who are you going to call?

When someone calls a person a tech

geek these days, it's meant to be a compliment, according to a new survey conducted by GMI Research and commissioned by Crucial.com.

Are you single and trying to promote yourself on dating sites? You might want to advertise that you're a tech geek, according to the Tech-Know Meter Survey. One in three women say they prefer their significant other be tech savvy.

“Americans recognize how prevalent tech has become in everyday life,” says Ed Walker, Crucial.com marketing manager. “These findings demonstrate that society has warmed to people who are the most capable at fixing and improving the devices we rely on, both in our personal and professional lives.”

It's not just that people want to be friends with tech geeks – they want to become one themselves, the survey found. A majority of men and women are interested in improving their person-

al tech savviness, even if it's so they don't have to constantly bug a friend for help.

And while the percentage of people who claim to be tech savvy is heavily male, a significant number of women are showing interest, too, making the term tech geek more gender neutral.

There's a good chance you have a techgeek friend, both in your personal life and at the office. In fact, you might have several at the office. Most industries these days rely on technology to survive, and survey respondents say job candidates with tech skills have a stronger resume than those who don't.

Having a strong list of tech geeks handy is important if you are not one yourself. So the next time someone is introduced to you as being a tech geek, be sure to get his or her number! And if you can call yourself a tech geek, wear the title like a badge of honor - and depending on how popular you want to be, protect your cellphone number! – BPT

he days are finally becoming longer and the weather is getting warmer, which means it’s time for spring cleaning, upgrading and refreshing your home. Consider these tips to get your home ready for a fun, smart and cost-efficient year ahead.

• Control your thermostat via smartphone apps. The weather is finally cooperating, so you may no longer need to leave the heat on all day. Now, with the touch of a button, it’s possible to control your AC/heat and lighting from a remote location. Save on your energy bills by using Wi-Fi controlled thermostats and switches. Best of all, you won’t come home to a sweltering house!

• Sync your home sound systems.

Summer is just around the corner, which means outdoor barbecues and parties.

With all the options in Bluetooth audio available today, you can eliminate unattractive, bulky speakers. New, smaller and sleek Bluetooth devices are easy to hide, while providing excellent sound. You can also sync up music in every part of your home and control it all via your smartphone.

• Add charging stations throughout your home. Invest in turbo phone chargers that significantly speed up charging time – and you’ll be everyone’s new best friend. Additionally, install USB ports to your electrical outlets. This makes it much easier for everyone to charge smartphones, tablets and other devices without having to plug in to your laptop first.

• Power your home with the sun by going solar. When you’ve completed spring cleaning and upgrading, you’ll want to sit back, relax and enjoy your productive achievements without worrying about how to pay for the electricity behind all of these fun new gadgets. Thankfully, home solar is a growing trend that is going mainstream and an extremely easy option for homeowners to adopt. Sunrun, the largest dedicated residential solar company in the U.S., makes going solar simple by designing, installing, financing and maintaining customers’ solar panels.

On average, Sunrun customers save 20 percent on their energy bills and spend those savings on other things they love.

• Flaunt your new upgrades. Now it’s time for you to show off everything you’ve invested in, so your friends and family can see what a trendsetter you are. Many will leave your house wondering how to wirelessly sync up every screen and gadget in their own homes, while simultaneously saving money.

Visit www.sunrun.com to learn more about how solar energy upgrades can help you save money on your electric bill and provide you with cleaner power and a smarter home. – BPT

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Three Reasons Why You Should Consider an IRA

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By d-mars.com News Provider

mericans know tax day is the deadline to file income tax returns with the federal government. But tax day is also another important deadline: workers have until tax day to make contributions to their individual retirement accounts (IRAs) for the previous year.

IRA contributions grow on a taxdeferred basis, meaning savers pay no tax until they withdraw their funds in retirement. There is another immediate incentive: for those who qualify, based on income and access to a workplace retirement plan, IRA contributions may also be tax-deductible, reducing workers’ taxable income for the previous year.

That’s a win-win for many savers. Here are three reasons why you should consider an IRA: 1. Traditional IRAs can help ensure that everyone who earns taxable income, regardless of how much they earn, has access to tax incentives to save for retirement. Tax deferral helps workers build a nest egg over time by postponing taxes on savings until retirement. Contributing in an IRA is a great way to invest and build a retirement account over time.

2. The flexible structure of IRAs

provides Americans with choices when it comes to their retirement savings. With an IRA, savers decide how much they want to contribute (up to a limit) and when. IRA contributions can be made at any time during the tax year, or until tax day the year after that. Savers 49 and younger can contribute up to $5,500 to their IRA each year; those 50 or older can contribute an additional $1,000. Those who meet certain qualifications may decide instead to open a Roth IRA, where savers make contributions with after-tax dollars (unlike a traditional IRA, where contributions are in pre-tax dollars) and pay no taxes when they withdraw in retirement.

3. Workers can easily roll over their employer-sponsored 401(k) assets into an IRA upon leaving a job. Workers who simply cash out their 401(k) have to pay taxes on their assets, and may have to pay penalty fees for early withdrawal. They can avoid these taxes and fees by rolling over 401(k) assets into an IRA, which is not tied to an employer.

Today, Americans are increasingly using IRAs to grow and maintain their savings for retirement. As of 2014, almost 42 million U.S. households reported that they owned

IRAs, according to the Annual Mutual Fund Shareholder Tracking Survey published by the Investment Company Institute (ICI). Other research from ICI shows that Americans have $7.3 trillion tucked away in these accounts.

IRAs are just one piece of our multilayered retirement-savings system. The various pieces of the system - including IRAs, employer-provided defined benefit and defined contribution plans, personal savings, and Social Security are working well for millions of workers. When IRA assets are combined with

all other assets set aside for retirement, research shows that Americans have set aside a record $24.2 trillion for their golden years, with successive generations of near-retirees holding higher wealth than the previous generation.

ICI research also shows that tax incentives - such as deferring taxes on savings until funds are withdrawn, as with traditional IRAs - help encourage Americans to save for retirement. “The overwhelming majority of Americans do not want Washington lawmakers to change or limit these tax incentives,” says Paul Schott Stevens, president and CEO of ICI. “When politicians ignore this clear message and propose new ways to limit retirement savings incentives, groups like ICI need voters’ support in preventing such changes.”

To learn more about IRAs and the importance of protecting tax incentives for retirement saving, visit www.ici.org/ retirement. – BPT

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Hoping to Retire in 10, 20 or 40 Years?

Here’s What You Need to Know Now

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By d-mars.com News Provider

merican workers, ages 32 to 64, are $6.6 trillion short of the amount they need in order to retire comfortably, according to Retirement USA. When it comes to planning ahead and saving money early, time is of the essence.

However, 63 percent of American workers have less than $1,000 saved for retirement, and only 44 percent of workers have even tried to calculate a retirement plan, according to the Employee Benefit Research Institute. This means that fewer than half of working Americans have a set plan for how they’ll get by financially after leaving the workplace.

Judging by these numbers, you’re not alone if you feel overwhelmed with the retirement planning process. You might not even think you need to start yet. But by educating yourself now and creating a plan years in advance, you can ensure a smooth transition from your workplace to your happy place.

Build your budget Saving for retirement can be tricky but starting early will enable you to save substantially more long-term thanks to

compounding interest. It’s important to keep in mind both your pre-and post-retirement salaries when you begin to develop a budget. The U.S. Department of Labor suggests starting by determining your net worth – the total value of your assets minus the amount of your debt.

You want this number to be positive so that your assets are worth more than your debt. But even a negative number can be a good starting point to help you begin the process of paying down debt.

Next, you’ll need to figure out how much of your salary to contribute to reach your personal retirement goal.

There are many online tools to help you determine what you need to save now and it’s important to also create a monthly expense budget that shows where your funds are going. This way, you don’t have to live frugally with the money you’ve saved – just wisely.

The more money you make, the more you’re able to save for retirement. Most employers will match your contributions in a 401k plan up to a certain percentage, so be sure to take advantage of this – it’s essentially free money you don’t want to miss out on. Also, try saving an additional one-to-two percent of your salary as bonuses, raises and promotions come along. Avoid borrowing

money out of your retirement plan. Even though surprise events may occur, resist the temptation and avoid the tax implications and other potential costs that can pile up when you take out money prematurely.

Get covered An estimated 58 million Americans are uninsured or underinsured when it comes to life insurance, according to LIMRA. “Many people view life insurance only as a way to take care of final expenses, but it offers so much more than that in terms of building financial security for your Golden Years because it can help supplement your retirement income,” says Erie Insurance senior vice president Mike Plazony.

For example, while many workplaces offer savings plans such as 401(k)s and IRAs, withdrawals from pretax retirement savings plans are taxable – even after death. On the flip side, life insurance death benefits may be tax-free and interest and cash generated from a permanent life insurance policy are typically tax-deferred, meaning you can wait to pay taxes on the interest until you actually use the funds. Plazony recommends consulting with a professional financial

planner who can provide you with information on the tax advantages of life insurance policies, including tax-free life insurance death benefits. While benefits through your company may have income restrictions, permanent life policies and annuities are not subject to income restrictions, allowing you to select an amount of premium of your choosing regardless of your income.

It’s important to take control of your life insurance and continually adjust it, as your plan won’t stay consistent throughout your entire life. You’ll need to modify it based on certain life experiences, such as having children. Talk to your insurance agent to regularly review your life insurance to make sure you have the coverage you need based on your circumstances at the time, and that you aren’t overpaying or underpaying.

Focus on the future Don’t wait until it’s too late to start planning for your retirement. Have a clear idea about what you wish to accomplish and start working toward those goals now. The ultimate goal is to reward yourself for working hard over the years, so you can enjoy the ride in retirement. – BPT

The 6 Smartest Money Moves Millennials Can Make in 2015

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By d-mars.com News Provider oney worries know no age limit, and financial health is important for everyone – which could explain why financial pledges are among the most common New Year’s resolutions. Still, Millennials are a bit more likely than any other age group to be tempted into spending too much, according to research by the Barna Group.

Forty-one percent of Millennials said they are often or sometimes tempted to spend more than they have or can afford, according to the Barna survey. Interestingly, 66 percent also said they are tempted to procrastinate, which could add up to plenty of broken resolutions for Generation Y in 2015.

If you’ve promised yourself you’ll do better at money management in the New Year, here are the six smartest moves you can make to help you keep that resolution going until 2016 – and beyond.

1. Use what you know (technology) to help you manage what you want to understand better (finances).

Millennials are the generation most comfortable with technology. The majority own and use multiple digital devices for personal and professional applications throughout their everyday lives. But surprisingly, they are also the generation most likely to struggle with financial lit-

eracy, studies show. In fact, in a survey by the Financial Industry Regulatory Authority (FINRA), just 24 percent of Millennials were able to correctly answer four questions on a five-question financial literacy quiz.

Technology can help you get a better handle on your finances. Personal finance tools like Mint.com provide easy money-management. When you create a free account, Mint pulls all your financial information – recurring bills, account balances, etc. – into one location so you see your complete financial picture. The site also helps you create a budget, track your progress and stick to it. A free downloadable app allows you to easily access your information on-the-go via your iPhone, Android, or Windows smartphone.

2. Scrutinize your current spending.

It’s impossible to save money – or achieve any other financial goal – until you have a handle on your spending. Was yours out of control in 2014? Gather together all recurring monthly bills, such as utilities and rent, your mobile service provider, groceries, entertainment, etc. Calculate how much you spend in a month. Is it almost as much as you earn? Is it more? Look for areas where you can reduce spending and categorize them as needs versus wants.

Cutting unnecessary spending is a good start, but don’t overlook possibilities for trimming necessary expenses as well. For example, it might be a good time to talk to your cable provider about a cheaper plan.

3. Build a budget.

In 2014, 61 percent of American adults don’t have a budget and don’t keep close track of their spending, according to a Harris Poll commissioned by the National Foundation for Credit Counseling. Not having a budget is like attempting to quarterback a football game without a game plan. Budgeting not only helps you stay in control of your spending and saving, it can make you feel more in control, confident and empowered in other areas, too.

Your budget should provide for necessary recurring expenses (like food, utilities, rent, transportation), retirement and regular savings, as well as some money for fun. You can find plenty of budget templates through online resources.

4. Establish an emergency fund.

More than a third of Americans 18 and older say they have no savings (excluding retirement savings), according to the 2014 Consumer Financial Literacy Survey.

Rainy-day savings can help you pay for emergencies – like an unexpected car repair or dental work – without forcing you into debt. What’s more, putting money into an emergency fund with every paycheck helps you form a savings habit, and can ease the emotional stress of worrying about financial emergencies.

5. Set financial goals.

Look back at 2014 and assess which goals you achieved and which need to be refreshed for 2015. Consider what you did that helped you succeed in certain areas or

where you might need to adjust. Evaluate where you most need to focus your attention. Don’t overwhelm yourself by trying to do everything at once. Instead, focus on one or two key financial goals.

6. Keep an eye on your credit.

Sixty percent of American adults haven’t reviewed their credit score within the past 12 months, and 65 percent haven’t looked at their credit report, according to the Harris survey. Credit is a vital element of overall financial health. Begin regularly reviewing your credit report and score – doing so does not negatively impact your score. Mint provides users with a free credit score and summary through its website and app. Knowing your credit status can help you better understand what you need to do to improve it.

Good credit not only affects your ability to secure future credit – such as credit cards or a mortgage – your credit score can influence what you pay for some forms of insurance, whether utilities might require you to provide a security deposit when opening a new account, and even your ability to get a good job if you apply with an employer who requires a credit check.

Good financial habits can make a lifetime of impact, so this New Year, no matter who you are, make the promise to yourself to be good with your money. Keeping these six money moves in mind, 2015 will be your best financial year yet. – BPT

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Changing Our Mindset When it Comes to Finances

By Dawn Paul

Associate Editor

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any AfricanAmericans have financial hardship due to money mistakes. There have been numerous articles on the African-American community and finances. From poor credit to no savings, African-American’s are lagging behind when it comes to finances.

We’ve all heard the phrase, “It’s not how much you make, but how you manage it.” This is so true. Some African-American make six figure salaries, but have nothing to show for it due to bad spending habits. These bad spending habits in our culture are due to a number of factors, including lack of financial education and that we didn’t have it growing up, so when we get it, we mismanage it. These money mistakes can be costly and put you in financial ruin, taking years for you to build yourself back up.

However, don’t lose hope. This month, d-mars.com encourages you to change your mindset when it comes to finances.

It’s not too late to get a handle on your finances. There are many things you can do to better your financial situation. If you make lasting financial changes, you can be on your way to financial freedom and a happier life.

An article in Ebony titled The 6 Biggest Money Mistakes Black People Make, listed these 6 mistakes made by African-Americans when it comes to money:

Not having a budget “Most people don’t know where their money goes,” says Marlena Sonn, a Certified Financial Planner at Christopher Street Financial.

Loaning money to family and friends instead of saving or paying down debt According to Prudential’s 2013 African-American Financial Experience study, Black families are often financially responsible for family members.

Fifty-seven percent of respondents said they provide financial support to another family member or unemployed friends—nearly double the rate of the general population.

Living check to check and not having an emergency fund Prudential’s study found that having “emergency savings” was the third priority, after paying down debt and saving for retirement. Most financial planners advise that emergency savings should

be a top priority, even before retirement savings. “It’s important to have three months’ worth of cash in savings for emergencies—six months if you are selfemployed,” says Sonn.

Piling up debt on credit cards and not being aware of your credit score According to Prudential’s study, 60 percent of African-Americans surveyed have significant credit card debt versus 45 percent of the general population.

“Most people end up paying interest on their interest if they carry a balance over the long term,” says Sonn.

Not having life insurance, a will or long-term disability insurance According to LexisNexis, 68 percent of Blacks don’t have a will or estate plan versus 55 percent of Whites. Life insurance can help defray costs and pay off any debt not discharged by death.

Without a will you could be letting the state make one of your most important financial decisions for you.

Not saving for retirement Many African-Americans are not taking full advantage of 401(k) plans. Some 26 percent of those with employer retirement savings plans are contributing less than the amount matched by the employer or not contributing at all, the Prudential survey found. As a result, Blacks had a median retirement savings of $9,000 compared to $20,000 among the general population.

If you fall into any or more than one

of the above categories, change your mindset when it comes to money. Making little changes can be the difference in financial freedom or continuing on a financial downfall. The important thing to remember is that everyone’s finances and financial goals are different, so you can do things that work best for you in order to be in a better position when it comes to handling your money.

Keeping up with money and having a budget are the top suggestions to getting back on track when it comes to money. If you don’t document what you’re spending, how will you know where the money is going? Personally, I use a little journal to track my spending. I write down every penny I spend. There was an eatery that I used to frequent 2 to 3 times a week for lunch and I would spend $40 at least every visit. When I sat down and looked at my journal at the end of the month, I realized that was something I needed to cut back on. Keeping a spending diary keeps me in check when it comes to my finances and helps me not to overspend.

Many money experts also encourage having a budget. Your budget should be workable and work long term.

African-American families are often financially responsible for family members.

There is nothing wrong with helping out family and friends, however, when it puts you in a bad situation financially, you should definitely rethink loaning money.

A promissory note is ideal when loaning someone money and that is something that you may want to consider for the future. You should not feel shame about asking someone to sign a promissory note. This will let the individual know that you are serious when it comes to your finances.

Do you have an emergency fund? The Prudential study found that having an emergency fund was the third priority, after saving for retirement and paying down debt. Though those things are important, an emergency fund should be top priority. “It’s important to have three months’ worth of cash in savings for emergencies—six months if you are self-employed,” says Sonn.

Piling up debt on credit cards is a big mistake. Make sure you are aware of your credit score. It’s best to keep your credit card balances low and pull your credit report every few months. Sonn encourages having a cash savings for unexpected expenses.

In the African-American community, many don’t have an estate plan or a will compared to Whites. Life insurance protects your dependents. With no will, experts say you could be letting the state make one of your most important financial decisions for you instead of your loved ones. Term life insurance is a great option because it is simple and less expensive.

Many African-Americans have 401(k) plans with their employer, but are not taking full advantage of it, contributing less than the amount matched by the employer or not contributing at all. Sonn advises that if you can’t contribute much now, start with a small amount of less than $100 and then slowly increase your contribution.

If you have made money mistakes and don’t know what to do to recover, don’t lose hope. There are small changes you can make to get you back on track.

Search online for resources and tips to get started. This month start to change your mindset when it comes to your finances and take steps to financial freedom.

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Podcasts – Get Your Daily Hustle Inspiration Here

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Mathis Conner

Contributing Writer

f you’re not up on podcasts, just think of it as on demand radio - a regularly scheduled show that automatically updates to your smartphone once you subscribe. What’s great about podcasts is that you can do other things while you listen, like shopping, working out, cleaning up around the house, or just sitting outside. There are hundreds of podcasts to choose from. I’ve found many shows to be both informative and entertaining, as well as helpful for keeping those hustle juices flowing.

No matter your interest, there is a podcast out there for you. Some podcasts are produced by large companies. A lot of podcasts are quality shows made by one or two person companies just trying to help others, while raising awareness for their cause.

Many are interview type shows, where different guests are brought on for a particular theme, or a one or two person discussion show. Some podcasts are just a couple of minutes long, and a few may be as long as an hour.

Well, what do you need to get started?

You need just a smartphone and some earbuds to listen to a podcast. After that, just

go to the iTunes app if you have an iPhone, or just download the Stitcher Radio app if you have an Android or iOS based device.

From there it’s pretty easy to look up shows or find shows that match your interests.

So, what do I listen to?

Well, the theme behind my listening choices can best be categorized as hustle inspiration. I tend to like interview shows about entrepreneurship. I’m just fascinated about the success stories of people from all walks of life. I have always made it a point to stay on top of my game, and I have been surprised at the things I’ve learned through listening to podcasts that have helped me to that end. I listen to a few other kinds of podcasts as well, and below are the two shows I have listened to for a while now.

These are popular entrepreneurship interview podcasts that share the journeys of all kinds of people.

Entrepreneur on Fire - The host of this show, John Lee Dumas, took his passion for listening to entrepreneurship type podcasts to another level. He satisfied his own interest by producing a new show every day, 7 days a week. He uses a consistent to the point format, while keeping it interesting. For more than a year, I’ve tweeted out links to his show. My Twitter followers are thankful for me turning them on to this podcast.

Smart Passive Income - The host of this

show is a guy named Pat Flynn. He conducts more traditional free flowing interviews that are typically a bit more in-depth than Entrepreneur on Fire. One of the things that makes this show popular is that he interviews people who put in the time to create passive income while they continued working. In most instances, you hear about how the passive income eventually allowed them to quit their day job.

No matter your business, you need to know what’s going on. Often your time is short and you have to get going in a hurry to deal with that lengthy commute. In any case, you don’t want to risk looking out of touch with your clients or co-workers. So, I get the quick skinny on the topics of the day by listening to the following: The Hourly News Summary by NPR The show is updated every hour and is usually less than 5 minutes long, discussing the current top news headlines.

This Morning with Gordon Deal While there are other daily broadcast network news podcasts, this one is my favorite.

I think it’s great for the daily commute or morning routine. It discusses the top news headlines more in-depth than The Hourly News Summary. This show is usually about 30 minutes long.

The following show favorite, The Model Health Show, is the result of my listening to a Smart Passive Income episode.

The Model Health Show - This show is led by Shawn Stevenson and co-hosted with Jade Harrell. This show takes a holistic approach toward health and nutrition.

It is clear that Shawn Stevenson is very well read, but also very down to earth. He and his co-host Jade keep the show both informative and entertaining. I don’t think I’ve listened to a single show that I wasn’t at least chuckling at some point. I have to say that this show was a great surprise discovery and I really enjoy it.

The Best Stocks to Buy - And if you personally like to hear about quality stock investment opportunities, you can’t go wrong by listening to this weekly podcast show created by yours truly.

Well, there you have it, six podcasts for your hustle inspiration. I’m sure you already have the smartphone, now just get some earbuds. Check these podcasts out and discover favorites of your own. Enjoy!

G. Mathis Conner is the Founder and Chief Investment Officer of Conner Management Group, LLC, a managed account money manager. He welcomes your questions at mathis@connermg.com. Get to know the firm by visiting their website at www.connermg. com and subscribing to their weekly newsletter about investing.

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Two-Year Degree Programs and One-Year Certificates Can Open Doors to In-Demand Careers in Health Care Technology

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By d-mars.com News Provider

iffany Fair initially ruled out a career in health care. She assumed most available positions were for nurses, and she knew she could never get past her fear of seeing blood. Fair’s outlook on the industry changed quickly when she learned about the growing field of health information technology (HIT).

“HIT intrigued me because it enables individuals to play a key role in the health care system outside of the traditional clinical setting,” she says. “The most satisfying career aspect of HIT is that it continues to evolve as new technology is introduced in the marketplace. That means my knowledge and skills are always changing and expanding.”

Fair recently earned an associate degree in HIT from DeVry University and now works for a large health information management company processing patient’s medical records for legal or personal reasons to ensure the information is valid and complies with state and hospital laws and bylaws.

The need for professionals in roles similar to Fair’s is expected to rise as experts anticipate 11.7 million new patients will enroll in health care coverage in 2015 through provisions outlined in the Affordable Care Act. “For those who want to quickly enter the workforce, an associate degree in HIT provides the education and skills preparation needed to break into emerging health care professions that provide career mobility and fulfillment,” says Dasantila Sherifi, professor and HIT program chair at DeVry University.

The U.S. Census Bureau projects that the population of Americans 65 and older will more than double by

2060. An aging America will send more health care workers into retirement, and expand the population that requires additional primary care services to address chronic health issues. Workforce projections and population shifts signal emerging health care career opportunities in a variety of roles, including:

Health information technicians Individuals who are highly organized and detailoriented can thrive in a career as a health information technician. These professionals are responsible for organizing and managing health information data in both paper and electronic systems, as well as coding and categorizing patient information for clinical care, research and insurance reimbursement.

Demand for health information technicians will continue to rise with growing use of electronic health records by hospitals and physician’s offices, especially in the areas of data analytics and population health.

Further compounding this demand is the pending implementation deadline of the new version of the International Classification of Diseases, which expands the number of diagnostic codes from 14,000 to 69,000.

Medical and clinical technicians A career as a medical or clinical technician requires both analytical and scientific skills for procedures and processes that can have significant impact on patient health. Responsibilities include the study and analysis of blood and tissue samples to determine normal and abnormal findings. Technicians are also accountable for logging data into a patient’s medical records and discussing results of laboratory tests and procedures with physicians.

The growing aging population and diagnosis re-

quests for chronic diseases such as diabetes and terminal illnesses like cancer means careers in this field will continue to rise. According to the Bureau of Labor Statistics, employment within the medical records and health information technician field is projected to grow 22 percent from 2012 to 2022.

Radiologic and Magnetic Resonance Imaging (MRI) technologists Americans are living longer, so their total lifetime health care needs are rising. Medical conditions such as broken bones and fractures caused by osteoporosis are common and frequent, as is the diagnosis of terminal illnesses, all of which can require imaging for correct diagnosis.

In these instances, radiologic and MRI technologists play a role in patient diagnosis and work closely with physicians to utilize X-rays, MRIs, computed tomography and other high-tech equipment to perform diagnostic imaging. Opportunities in the field are projected to grow 21 percent and 24 percent for MRI technologists and radiologic technologists respectively.

To secure a position in these fields, individuals should identify schools that offer degree programs or certificates that can prepare them for the constantly evolving field of health care and increase their marketability in the workforce. Certain states or employers may also require professional certification or licensure.

“DeVry University’s medical billing and coding certificate can be completed in one year of full-time, yearround study, allowing prospective HIT professionals to swiftly enter the field with the knowledge and skills preparation required to function as an entry-level coding specialist,” says Sherifi. – BPT

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