d-mars.com Business Journal 94

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May - June 2015 Connect With Us

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94th Edition @dmars_com

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Community Builders

Graduation Spotlight LaTastia Davis

PAGE 8

Congresswoman Sheila Jackson Lee Hosts Chairman Fred P. Hochberg PAGE 12

PAGE 4-7

Industrial Welding Academy:

Elaine Barber Named New Greater Houston Black Chamber President

Providing Opportunities to Houston’s Next Generation

By Dawn Paul PAGE 16

Abraham Garcia: Helping Local Businesses Thrive

By Dawn Paul PAGE 22

PAGE 10 PAGE 14-15

Hilary Rodham Clinton Visits Texas Southern University Join our e-mail list for the latest updates@ d-mars.com

Tahir H. Charles for City Council

From what we get, we can make a living; what we give, however, makes a life. — Arthur Ashe

May - June 2015 3

Journal Behind The

Publisher’s Message

MR. D-MARS

SR. PUBLISHER Keith J. Davis, Sr.

SENIOR VICE PRESIDENT Kevin Davis

VICE PRESIDENT Kim Floyd

ACCOUNTING MANAGER Eugenie Doualla

Office Manager Johnny Ray Davis, Jr.

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

Even though I am successful as an entrepreneur, I have never forgotten my roots and the community that helped shape me into the businessman I am today. Starting out in business, it was the community that supported me and embraced me. It doesn’t matter how far you go in life, it’s important to remember community. The theme for this edition of the Business Journal is Community Builders.

This month’s cover story is on Andre and Miranda Horn and the Industrial Welding Academy. The Horns created Industrial Welding Academy with the next generation in mind. Not only is the Industrial Welding Academy a successful business, but it is also providing young men and women with skills to succeed in the welding industry, giving many of them a second chance at a successful life. The cover story on the Horns and Industrial Welding Academy will inspire you to be a Community Builder.

As always, thank you for your continued support of d-mars.com. When you support us, you are supporting more than just our company; you are supporting the communities in which we live and work.

Working together, we can succeed in making positive things happen.

ASSOCIATE EDITOR Dawn Paul

PHOTOGRAPHY

CONTENTS

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 Mikal Powers Vivian R. King Noel Pinnock d-mars.com News Provider

Industrial Welding Academy: Providing Opportunities to Houston’s Next Generation.............................................................. 4-7 Is a Line of Credit Right for Your Business?.............................................................................................................................................. 8 Tahir H. Charles for City Council...................................................................................................................................................................10 Congresswoman Sheila Jackson Lee Hosts Chairman Fred P. Hochberg......................................................................................... 12 Hilary Rodham Clinton Receives Award from TSU..............................................................................................................................14-15 Elaine Barber Named New Greater Houston Black Chamber President...........................................................................................16 Know Your Rights: 10 Tips to Consider.......................................................................................................................................................18 Got People Potential?.....................................................................................................................................................................................20 Abraham Garcia: Helping Local Businesses Thrive................................................................................................................................ 22 5 Critical Questions Small-Business Owners Must Ask before Retirement................................................................................... 23 Take Charge of Your Career and Financial Future................................................................................................................................. 24 Hands-on Learning Better Prepares Students for Cyber Security Careers....................................................................................26 Corporate Privacy Becoming a Top Business Concern in 2015..........................................................................................................30 Why You Should Pay Attention to Economic News............................................................................................................................... 32

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4 May - June 2015

Industrial Welding Academy: Providing Opportunities to Houston’s Next Generation

By Dawn Paul

Miranda credits one reason for IWA’s success as being the continual training of its staff members. Miranda says, “So often individuals are given expectations, but are not given the tools needed to meet those expectations. At IWA, we give the students expectations and tools to succeed in the welding industry.” The motto at IWA is “Integrity with Attitude.” Since 2007, IWA has opened doors for young welders to become their very best in a quality welding training environment. “We can teach them a trade by taking advantage of the energy capital of the world right here in Houston, Texas,” Andre says.

Associate Editor

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his month the theme for the d-mars.com Business Journal is Community Builders. Industrial Welding Academy (IWA) and Andre and Miranda Horn are shining examples of community builders, because they are paying it forward and providing opportunities for the next generation to succeed. The Horns have not only made IWA a successful business, but also a place to get a second chance at a career and life. Earlier this month, IWA hosted hundreds of young aspiring welders to test for certifications at their annual Student Welder Certification Day, and elected officials, local leaders and the community were in attendance. This event was more than helping get young people certified to start on a positive path to success, but it allowed the public to witness and celebrate IWA’s initiative to help build a better community.

Andre Horn was always ambitious and was exposed to welding in high school. The youngest of 16 children, he had humble beginnings, but that only fueled his aspirations to succeed. After attending Texas State Technical College in Waco, Texas for one year, a company chose to invest in him and his welding experience. That one opportunity sparked his welding career and he hasn’t looked back. After working as a senior welding contractor for several major industrial

Industrial Welding Welding Academy: Industrial Academy:Their Their Approach to to Welding Welding Education Approach Education companies, Horn decided to branch out on his own and purchased a boat storage in Channelview, Texas, where he started his first entrepreneurial move and first training. Although Hurricane Katrina damaged his boat storage, he recovered and purchased a 1,500 square foot building in Pasadena, where he started training 120 people a day.

Andreand andMiranad MirandaHorn Horn Andre Andre Horn is the founder and CEO of IWA, with over 20 years training experience in the welding industry. Horn is a Certified Welding Educator (CWE), and he has been a senior welding contractor with several major industrial compa-

nies, including Zachary Construction, Austin Industrial, Harmony Corporation, and S&B Engineers. Andre could not have taken IWA to its current level without the help of his wife and director of IWA, Miranda Horn. Miranda is a highly experienced, dedicated professional with more than 10 years of experience in the Workforce Development industry.

Her experience also includes several years of managerial skills. She has worked for Neighborhood Centers and Workforce Solutions before she dedicated herself to helping Andre fulfill their vision of helping others. Serving as director of IWA, she is dedicated to teaching students the trade of welding through a uniquely designed curriculum.

IWA is located in East Houston.

IWA’s impressive facility consists of offices, classrooms, and a welding lab. The welding school at IWA is state-of-the-art, and it comfortably accommodates fifteen students per instructor. Because IWA wants to prepare their students to be in the best possible position when entering the welding profession, their facility is designed to resemble and inspire on the job settings. IWA is built to accommodate realistic welding positions and environment, which includes; out of position welding, jack stand welding, on the scaffold welding, simulation of pipe rack welding layout and fit up, oxy-fuel, and thermal cutting scenarios. In addition, each student is assigned a welding machine and welding booth for utilization

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May - June 2015 5

“What is important is the shortage of qualified welders in the world, and that’s one of the things that IWA addresses. They give qualified welders the opportunity to be qualified. We need more qualified welders, and that is what IWA produces.”

— John R. Bray, Vice President of American Welding Society

during the course. Providing individual booths for students allows them to utilize their skills individually and collectively.

IWA is committed to providing quality training and education based on welding industry needs.

Industrial Welding Welding Academy: Industrial Academy: QualQuality Instruction Education ity Instruction and and Education At IWA, students are learning the fundamentals and techniques of welding.

Because many of the IWA students have had a rough start in life, this gives them a second chance to change their lives.

IWA and the Horns are providing young men and women an opportunity to gain higher education in the welding industry. Though the percentage of AfricanAmericans in the welding industry is low, IWA is trying to change that percentage by giving minorities the skills necessary to excel in a career in welding. IWA equips students to perform their best, because they have the credentials, discipline, experience, and welding training to produce results.

IWA students are able to compete with the best in the welding industry because of the IWA instructors. IWA instructors are Certified Welding Educators (CWEs), and they are credentialed by the American Welding Society (AWS). The

Horns are proud that their IWA certified welding instructors have more than 20 years of experience in the welding industry. Not only do the IWA instructors prepare the students to pass AWS exams, but they also help them improve their skills while working on-the-job.

WeldingIndustry Industry and and Careers Careers Welding Welding shapes lives and communities every day. Most people are surprised to learn that half of our nation’s total gross national product includes welding work, products and services of some kind. A career in welding is very different than you think, and welding is dynamic and challenging, but also a rewarding career. Welding technology has changed over the years. Believe it or not, there are too many welding jobs and not enough welders. From manufacturing to construction, the demand for welders is strong. Salaries are also good, given that many jobs don’t require extensive education. Average wages are $17-25 an hour, with more complex roles like underwater welding; specialized certifications; or supervisory roles offering even higher earnings (American Welding Society).

IWA believes in placing its students on the path to not just a job, but a career, by addressing the shortage of skilled work-

ers in welding and imparting the value of integrity and discipline upon its students.

IWA recently hosted hundreds of student welders at their campus for their annual Student Welder Certification Day. It was a full house for this celebratory event. Congresswoman Sheila Jackson Lee was in attendance and gave IWA a Certificate of Congressional Recognition, as did Congressman Al Green, who was also represented. Council Member Robert Gallegos, Council Member Larry Green, other elected officials, and community leaders were also in attendance showing their support for IWA’s

initiative to not only educate the next generation, but to also provide a second chance for a successful life. IWA students have gone on to make six figures after graduating from the school’s programs. The Horns have plans for IWA expansion, including locations in Beaumont, Corpus Christi, San Antonio, Louisiana, Alabama and Mississippi.

For more about the Industrial Welding Academy, please visit www.iwatraining.com.

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6 May - June 2015

CONTINUED from page 5

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May - June 2015 7

“Being an AfricanAmerican woman in this industry is rare.

There are not very many of us. It’s an honor to represent the ladies and to be able to do something like this that’s progressive. Laying a path for more females to enter the welding industry is important.”

– Francesca Cook, IWA Graduate

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8 May - June 2015

Is a Line of Credit Right for Your Business?

By d-mars.com News Provider

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rom time to time, your small business may face revenue swings, prompting you to borrow money to meet your short-term cash and working capital needs.

One option is to secure a business line of credit.

The Small Business Administration defines a line of credit as a loan given by a financial institution to finance shortterm current capital needs, such as inventory purchases or operating expenses.

“A line of credit is a useful tool for businesses with regular expenses, like paying employees or restocking inventory,” says Jim Salmon, vice president of business services at Navy Federal Credit Union. “It can be tricky deciding whether a line of credit is the right tool for your company, so we help our business members weigh the pros and cons before making the financial decision that’s right for them.”

Below, Salmon outlines the pros and cons of a business line of credit.

Pros: The main benefit of a line of credit is that it acts as a safety net for your business, Salmon says. “It acts like working capital and makes funds available for

your business while you wait for payments on accounts receivable,” he explains. “You can rest easy knowing your employees will get paid even with unpredictable, temporary cash flow slowdowns or problems.”

A line of credit is also a means of leverage to help kick-start business growth.

“Having the funds for extra inventory for a seasonal push can be tough for a small business," Salmon says. "The line of credit could permit for that additional purchase of stock and allow you to be more opportunistic.”

A less obvious benefit is that it can strengthen your relationship with your financial institution. Making payments on time and abiding by the arrangements associated with its use shows viability of your company and character of manage-

ment. Should you decide to expand your business, a strong relationship with your financial institution will help you gain future acquisitions faster.

Cons: Salmon warns that a line of credit can be easy to misuse and “can get you into trouble.”

“As a business owner, you want to monitor how much you access your credit line. Most are variably priced, meaning the rate can change quickly,” he says.

Salmon also points out that just like a credit card, you should make the required payments, or your rate could increase sharply. In addition, owners should be aware of any added requirements that might be associated with

having access to the line. For example, quarterly accounts receivable reporting and financial requirements regarding liquidity and reporting are common.

“Owners should ask themselves if they are ready and willing to commit to such oversight,” he says.

Having a line of credit means there is on-record indication of how responsible you are with managing or mismanaging your money. “It will count in the grand scheme of potential credit and be incorporated in any future decisions with your financial institution,” Salmon explains.

If you’re interested in obtaining a line of credit for your business, talk to your financial institution about your options.

Each institution has its own criteria for obtaining a line of credit, such as twoyears-in-business minimum or collateral.

Salmon adds that sometimes, “a small business is able to secure a line of credit with the collateral being the assets of the business or personal assets if need be.”

If your business doesn’t qualify, Salmon says there are other loan alternatives.

For example, Navy Federal recommends a business credit card as a viable option for its members that need funds from time to time for small purchases or cash advances.

Follow Salmon’s advice above and talk to your financial institution to see if a business line of credit is right for you. – BPT

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May - June 2015 9

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10 May - June 2015

Tahir H. Charles Is in the Running for Houston City Council At-Large Position 5

By Dawn Paul

Associate Editor

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his is election year in Houston, and in our city many are running for positions to serve the Houston community. Several have announced their candidacy for a seat on Houston’s City Council, and there is a candidate who is running for Houston City Council with a genuine concern for the work that needs to be done. Tahir H. Charles is running for Houston City Council At-Large Position 5. This native Houstonian and proud Texas Southern University graduate has been hitting the campaign trail hard, talking to the voters, and educating them about his goals, mission and vision for Houston.

TahirH.H.Charles: Charles:Background Background Tahir Tahir H. Charles is a Houstonian, and he is a graduate of The Jesse H. Jones High School. He received his Bachelor’s degree in Environmental Engineering Technology and Master’s in Business Administration from Texas Southern University.

Charles is a business owner that cares for the disabled populations in Harris County and the surrounding areas. Charles is a member of Kappa Alpha Psi Fraternity, Inc., and he served as Polemarch from 2004 to 2008 (Galveston Alumni).

While at Texas Southern University, he earned his degree and also trained as a youth counselor and mentor through The Center on the Family. While serving in this capacity, he served a term as President for the Black Male Initiative. Receiving grant funding for this project opened the door for efforts to prevent minority male violence. Charles believes in being proactive, not reactive, and he has always had a strong passion for community. Serving as a mentor, he was able to address time management, violence on campus, money management and stress relief. An advocate for education, he served numerous years, working diligently for the United States Environmental Protection Agency National Center for Environmental Research Peer Review Division. Through this partnership, Charles was able to lead and his key role was to determine funding for the Greater Research Opportunities Undergraduate Fellowships based upon applicants’ scientific merit.

Charles is a member of Kappa Alpha Psi Fraternity, Inc. (Galveston Alumni Chapter). He served as the Polemarch from 2004 to 2008, and he has held other

“I am seeking to serve Houston in a greater capacity! I’ve always been an actionist, never concerned with the name of the office. I just have a genuine concern for the work that needs to be done. We are one city with many dreams.”

— Tahir H. Charles

offices within his chapter. Through his work with Kappa Alpha Psi, he strengthened relationships with the Habitat for Humanity, the Boys & Girls Clubs and the Wright Cuney Center, among other organizations.

TahirH.H.Charles: Charles:Experience Experience Tahir Charles has found that hard work, asking the right questions and staying focused have strengthened the foundation he stands on today. Charles says, “My core gifts are being able to help people and to fight for those who feel like they don’t have

a voice. In business, I’ve witnessed great decisions where the reverberations of those decisions were not always beneficial to the served population.”

As a successful businessman, he is contracted by the Department of Aging and Disability Services to provide services for the often forgotten and disabled population, which includes elderly, autistic, and developmentally delayed citizens. Because of his education and extensive experience, Charles has the great responsibility of managing over $2.1 million a year in client services. In addition to ensuring that our elderly and disabled populations are

receiving necessary and quality services, he has been an advocate for inner-city community schools, constantly fighting to ensure that they are receiving adequate funding for a quality education. “It is my responsibility to stand in the gap for those who can’t speak for themselves,” Charles expresses.

Being active in the community is nothing new to Charles, who has always had the heart and compassion to serve the Houston community and surrounding areas. Some of the issues he has tirelessly been involved with include, but are not limited to: • Safety and Crime • Citizen Economic Development • Quality Relationships between the City of Houston and School Districts • Aging and Disabled Population • Environmental Quality/ Infrastructure

TahirH.H.Charles: Charles:Platform Platform Tahir Charles’ platform is one of hope and necessity. He is known in the community as an active fighter helping to ensure that inner-city schools have the necessary and quality resources for the students’ success.

Charles is passionate and adamant about stopping school closures in our city. He sees himself as a catalyst of positive change to energize Houston.

Charles knows that to effectively fight for the citizens of Houston, he has to be at the table making decisions. He has a strong desire to serve in an official capacity for the Houston community. Charles has many issues he wants to address, but some of the top priorities on his platform are: • Keeping aging citizens of Houston safe in our community and streets • Houston citizen economic development • Keeping Houston citizens educated on issues that impact their specific areas • Keeping Houston citizens educated on their rights • Fighting school closures • Educational partnerships with the City of Houston and school districts • Environmental structure/quality infrastructure Charles is proud of his roots in Houston, graduating from one of the educational gems of our city, Texas Southern University. His background, experience and passion for a better Houston fuels his endless work for the community. For years, Charles has been pounding the pavement to fight school closures and to be the voice for those who are often forgotten.

He knows that being a decision maker will enable him to serve Houston in a greater capacity. “I am seeking to serve Houston in a greater capacity! I’ve always been an actionist, never concerned with the name of the office. I just have a genuine concern for the work that needs to be done. We are one city with many dreams,” says Charles.

To read more about Tahir H. Charles and his candidacy for Houston City Council At-Large Position 5, please visit www.tahircharles4houston.com.

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12 May - June 2015

Congresswoman Sheila Jackson Lee Hosts Business Reception at Unity Bank for ExportImport Bank Chairman Fred P. Hochberg

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May - June 2015 13

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14 May - June 2015

Hilary Rodham Clinton

Visits Texas Southern University

From left to right Rose McGowan, Dr. Thomas F. Freeman, Hilary Clinton, Congresswoman Sheila Jackson Lee and Dr. John Rudley

The Honorable Hilary Rodham Clinton Receives Prestigious Leadership Award from TSU By d-mars.com News Provider

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exas Southern University is an educational gem in Houston that has hosted many notables.

The Barbara Jordan-Mickey Leland School of Public Affairs and the Thurgood Marshall School of Law recently presented the Barbara Jordan Public-Private Leadership Award to the Honorable Hillary Rodham Clinton. The Barbara Jordan Medallion has bestowed this prestigious award to its first-ever recipient, which is conferred to a deserving woman anywhere in the world who has made the highest achievement during the preceding year or years in any honorable field of human endeavor in the public or private sector. The ceremony took place on the campus of Texas Southern University.

“Thanks to the vision of Congresswoman Sheila Jackson Lee, this honor and award in the name of the Honorable Barbara Jordan will be presented to hundreds and even thousands of honorees for years to come,” says TSU Chairman of the Board Glenn O. Lewis. “We are thankful for Congresswoman Sheila Jackson Lee’s continued leadership and service to Texas Southern University and the 18th Congressional District – the home of Barbara Jordan. As TSU is an urban-serving institution, we gladly welcomed others to the campus for up close and personal conversations with our students and community about issues that are important to them.”

TSU President Dr. John M. Rudley

states, “The award, like Barbara Jordan, focuses not on status, but measurable accomplishments on the national and even international stages.”

TSU Law School Dean Dannye Holley says, “Awarding the first Medallion that bears Barbara Jordan’s name to Hillary Clinton is fitting because this award is geared towards recognizing the life time contributions that an American woman has made to our national public life.”

The Honorable Hillary Rodham Clinton was selected as the inaugural recipient of this prestigious award because of her many works in her role as First Lady, United States Senator, and as Secretary of State. Her courage and determination as a young woman fighting for early child care and children’s health care, to

her work as a seasoned public servant fighting for human rights for girls and women around the world and her service to the most vulnerable in our society makes her deserving of the distinction in receiving this inaugural award.

Crystal Owens, incoming TSU Student Government Association President says, “The Honorable Hillary Clinton is a beacon to inspire young women like myself, who are already in leadership roles and those who aspire to become leaders. She inspires us to press on and speak out with courage.”

The Barbara Jordan-Mickey Leland School of Public Affairs has a reputation as a comprehensive center for sound academic research. Scholars focus on a broad range of topics, including voting behavior, American foreign policy and international relations, political communication, criminal justice attitudes and behavior, police violence, environmental justice, race and crime, race and governance, policy studies, leadership, E-government, homeland security, urban transportation, housing and community development, Diaspora studies, environmental planning, economic development and the fiscal responsibility of urban governments.

Barbara Jordan’s impact on American politics makes the School of Public Affairs a special place on the campus of Texas Southern University. Texas Southern University’s goal is to make their students feel comfortable extending invitations to individuals they feel are important to the education process and for learning and understanding public policy. As a major university and an urban serving institution of higher learning, they want to make themselves available to keep their constituents informed. For more information on Texas Southern University, please visit www.tsu.edu.

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16 May - June 2015

Elaine Barber Named New Greater Houston Black Chamber President

By Dawn Paul

Associate Editor

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his year celebrates 80 years for the Greater Houston Black Chamber (GHBC).

Since 1935, the GHBC has been an effective advocate for African-American professionals and business owners, while opening doors for minority entrepreneurs. The GHBC has never ceased to meet and embrace the ever-changing needs and continuous growth of their membership.

The GHBC provides not only value to members, but to the community and black-owned businesses. The GHBC is committed to the pursuit of AfricanAmerican businesses succeeding in our community. The GHBC has recently named Elaine Barber as the new president of the organization, who will continue the organization’s goals and vision.

Barber understands that the needs of the Black business owners are very important, and the GHBC has been the premier organization focusing on prospering and growing African-American enterprises in our city. Still today, the GHBC remains committed to its mission in assisting African-American businesses in Houston and surrounding areas. Under Barber’s leadership, the organization has no signs of slowing down.

Seasoned as a non-profit administrator and public policy specialist, Barber has the leadership skills, experience, compassion, and familiarity with Houston’s African-American business community to lead the GHBC. Barber also knows Houston very well, and she knows how this city works. Most recently, the Vice President of Education and Workforce Initiatives for the Greater Houston Partnership, Barber has held top leadership positions in non-profit organizations for over twenty-five years. Her impressive resume includes service as the Chief Operating Officer of Prevent Blindness America and a five year stint as President of Prevent Blindness Texas. Also, her clear understanding of the GHBC’s role in its growth makes her a perfect fit to lead this organization.

Barber is a graduate of Southern Illinois University in Carbondale, Illinois with a Bachelor of Science degree in Education. She is a senior Alumnus to the American Leadership Forum and the Center for Houston’s Future and a member of Toastmasters. Barber also serves as the secretary/treasurer of Capital Idea Houston’s Board of Directors.

“The Chamber’s leadership has a clear vision for the future and its role in the community,” says Barber. “Every position I’ve held, every hour of service which has been my pleasure to provide, has prepared me to address the challenges facing African-American business people in America’s fourth largest city.

I’m honored by the Chamber’s confidence and trust, and I’m ready to put my talents to work, delivering value-based benefit to our members and the consumers they serve,” adds Barber. Barber’s role is to assist business leaders to maximize their potential using the GHBC as their resource.

In this GHBC leadership position, Barber’s approach is to put service to others before self-interests. She will interact with all major decision makers before moving forward with a plan. Also, Barber will provide tools to get goals accomplished and work in collaboration with members, leadership, and the community at large. The GHBC’s success is predicated on helping businesses get their names out, creating networking opportunities, establishing a sense of authority and being affordable for the members. The GHBC’s primary goal is to grow membership and provide value to its members, so they renew each cycle.

Barber is working diligently to enhance the reputation of GHBC and ensure that members have positive perceptions and interactions with fellow members and their business clients.

Although familiar with the GHBC, Barber has new initiatives she plans on bringing to the organization. She plans to meet with the leadership of GHBC and hear from the Board, Advisory and foundation groups on what they consider to be areas for program development. Barber also is going to suggest that the GHBC look at AFFINITY programs, which are business partnerships in which a company offers special rates of service to chamber members in an effort to increase revenue for both organizations.

Barber knows the importance of paying it forward and teaching the young generation of African-American business owners, so the engagement and focus on young professionals will increase.

Barber plans on doing this without duplicating any existing programs conducted by other agencies. Because African-American businesses too face challenges, she also wants to create a cluster driven roundtable for business peers to communicate their challenges.

Barber is more than experienced for this GHBC leadership role, but an interesting part of Barber’s appointment is that she is the 3rd female president in the organization’s history. Being that she is the 3rd female to hold this position, she does not take her position lightly.

Under her leadership, she plans on the GHBC assisting more minority womenowned businesses to get WBE certified.

The GHBC will host sessions for women-owned businesses to expand their network and she is also presenting to the leadership a plan to offer free on-line mentor and mentee connections. Another piece to her outreach to womenowned businesses will be to hold men-

torship events that will enhance their business development.

Some African-American owned businesses have had difficulties being awarded contracts with the City of Houston,

but Barber has a plan of action to give these businesses the best opportunity possible when seeking opportunities with the City. Barber plans to meet with elected officials and department heads to discuss how the GHBC can better connect with what their priorities are for programming. Her goal is for the GHBC to be included as an important partner in business expansion and retention efforts, supporting small business development and connecting companies to state and local resources.

With this being the GHBC’s 80th year, they have not lost the momentum being the voice and advocate for African-American entrepreneurs. They have helped open doors and have successfully been able to meet the needs and growth of black-owned businesses.

Elaine Barber’s experience and her vision for the future will help continue the GHBC’s mission and goals. For additional information about Greater Houston Black Chamber, please visit www.GHBCC.com.

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May - June 2015 17

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18 May - June 2015

Know Your Rights: 10 Tips to Consider 2

Officers have a duty to check their warrant database to determine if you are a fugitive. They check if you have a warrant for your arrest. This could simply be a traffic warrant for failure to appear in traffic court or a warrant for a more serious crime, like aggravated robbery.

Vivian R. King, Attorney at Law

D

Contributing Writer

o you know your rights when it comes to the criminal justice system?

If you don’t, you are not alone. So many Americans don’t know their rights, and they end up in an unfortunate situation. This is a problem that consistently plagues not just African-Americans, but all communities of color in America. It is important to get educated, because education is power. Below are tips to consider:

1

You have a right to remain silent, but you have a duty to provide your name and date of birth for an officer to check for outstanding warrants. You have to tell the officer your name and date of birth or show your identification/ driver’s license, then you resume your right to remain silent.

3

If you have a warrant, you no longer have a Fourth Amendment right against unreasonable search and seizure. This means that if you are driving a car and you are stopped on traffic and the officer determines you have a warrant, the officer can search your car and your personal belongings.

However, if you do not have an outstanding warrant, then the officer does not have a right to search your vehicle, and the officer should give you the traffic ticket and let you go.

4

You have a right to say “No” to a police officer who asks you for consent to search your vehicle.

Always say “No,” because you do not know what illegal substances other drivers or

passengers may have left in the vehicle.

You do not have to consent to a search of your vehicle.

5 6 7

You have a right to record your conversation with an officer.

When an officer is being unreasonable, you have a right to call his supervisor to the scene.

You have a right to have a lawyer present when speaking to police officers, so do not talk without one.

8 9

Some officers may fabricate details to get you to talk. Exercise your right to talk to a lawyer before talking to officers.

Officers have lawyers (Assistant District Attorneys) they consult with while interviewing you.

You should have a lawyer present, and remain silent until you can hire a lawyer to accompany you at a police interview.

10

It is a federal crime to lie to a federal agent. Remember to exercise your right to remain silent until you can hire a lawyer to assist you in telling your story.

Vivian R. King graduated cum laude from Thurgood Marshall School of Law in 1992, and she was licensed by the State Bar of Texas in November 1992.

King is Board Certified in Criminal Law. To contact Vivian R. King, please visit www.vivianrking.com.

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May - June 2015 19

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20 May - June 2015

Got People Potential?

K

By Noel Pinnock

Contributing Writer

athe Kollwitz once wrote, “I do not want to die...until I have faithfully made the most of my talent and cultivated the seed that was placed in me until the last small twig has grown.” A writer of InspireMe wrote: “This is a beautiful image—I love the idea that each of us was born with a seed inside of us that will grow into a full tree, beautiful and amazing, if only we provide it with conditions that will allow it to grow. And what are those conditions? Simply this: using the talents, abilities, and gifts that we were provided with in order to contribute something to the world, in order to give something in just the right measure, in ways that only we can contribute. If we do so, then we grow, learn, and develop those gifts so that they are even more benefi-

cial to the other people who inhabit this planet with us. One day we all will die. That is okay with me. But as many people have said throughout history, we do not want to die knowing that we have never lived.”

What we need to do is first, be aware of what our talents are and second, make strategic efforts to use these talents to maximize our impact in the world. We do not have to change the world with them but we can add value to someone’s life and catalyze his or her contributions in a big and better way. The Bible (Psalms 1:1-3) says, “Blessed is the (wo)man that doesn’t walk in the counsel of the wicked, stands in the pathway of the sinners, or sits with scoffers.

For his(er) delights are in the law of the Lord and in His law, (s)he meditates every day and every night. (S) He is like a tree planted by rivers of waters, which leaves never wither and branches bear fruit in all seasons, and whatever (s)he does in Jesus Christ’s name, (s)he shall prosper.” Someday, I would like to see myself as the tree outlined in the scripture above, providing precious shade, shelter, and sustenance to those who would benefit from these provisions. You see, a tree produces fruit not for itself, but for someone else. Sometimes the fruit falls to the ground to make it eas-

ily accessible, while other times the branches stretch high above the sky to instigate an effort on behalf of the one seeking to indulge its provisions.

In either case, I would like to provide a beautiful show throughout the seasons because the tree that we grow today can bless someone tomorrow and in the years to come.

We have to remember there are only two types of people on the planet, those who add value or those who subtract it. Ask yourself the following questions: • How do I contribute to the process of growth for the seed that was placed in me?

• What are the possible results of neglecting my seed?

• What can you do at this moment to help my seed thrive?

• Am I helping others discover, cultivate, and harvest their seeds?

Philosopher-poet Johann Wolfgang von Goethe said, “Treat a man as he appears to be and you make him worse. But treat a man as if he already was what he potentially could be, and you make him what he should be.” Think about the people who have made a difference in your life: the teacher who made you believe you could achieve; the boss who gave you a chance to show that you could do it; the counselor who let you know you

had what it takes to change and have a better life; the man or woman who loved you enough to say, “I do.” Not only were they there at pivotal times, in many cases they probably created those pivotal times in your life.

At the end of the day, we may plant the seed, and we may water the seed, but it is God who causes the increase.

Promotion does not come from the east, south, or west, but it comes from the Lord. Don’t forget that at the end of our journey it is what remains above the soil that matters the most to those who are left behind. If you have not planted your seed or have been neglecting it, you can’t be mad because it hasn’t grown to a tree, full of life, abundance and splendor! According to the Maxwell Daily Reader: “In almost every instance where the impact was positive, the person believed in you. He or she probably saw something in you that perhaps you didn’t even see in yourself. Wouldn’t you like to be that person to others?

If the answer is yes, then try to love others and see them as 10s. If you have a family, start with your spouse and your kids. And then broaden the circle from there. Believe the best in others, and you will bring out their best.” #getatit! www.noelpinnock.com

Over 50?

Time for a financial checkup.

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

1001303.1

Especially as you near retirement.

Be proactive when it comes to your financial health. It’s never too late to get on the right path to a healthy financial future. Let me help you get where you need to be.

Like a good neighbor, State Farm is there.® CALL ME TODAY.

State Farm, Bloomington, IL

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May - June 2015 21

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22 May - June 2015

Abraham Garcia: Helping Local Businesses Thrive

By Dawn Paul

Associate Editor

A

re you a small to medium-sized local business looking to drive more customers to your business? You may have tried marketing yourself, social media and other actions to increase business, but it still hasn’t given you the results you’re looking for.

There is a local business man, Abraham Garcia, an Independent Business Representative of Lyoness, focusing on helping small to medium-sized local businesses drive more customers to their business. Through the use of a Turn Key Global Loyalty Program, Garcia is helping local businesses thrive. The Turn Key Global Loyalty Program has a client base consisting of over 5 million loyal members that are paid weekly cash deposits, plus other member benefits for their purchases.

This is not just a business to Garcia, but a life passion to help individuals with a vision of entrepreneurship attain the success they truly deserve for themselves and their families. Garcia knows and understands that supporting local businesses, and shopping local is the back bone in sustaining and maintaining a thriving community.

Garcia’s background is in commercial and residential real estate investments and management, and he saw this not only as an immediate need for his business, but also a tremendous vehicle to help and train the local small to medium-sized business owners to see the importance of fulfilling a need for growth. Lyoness is providing a worthwhile incentive to keep their customers coming back.

They are ensuring that the incentives can be used by all customers and participating business owners on a global scale. These key attributes inspired Garcia to share what he saw from his recent trip to Vienna, Austria. Garcia experienced a totally unique and effective way of attracting new and repeat customers. The two questions he always asks when he talks to business owners are “What are you doing to reward your customers for their loyalty to your business?” and “What are you doing to improve customer retention?” The Turn Key Global Loyalty Program does all that, and the best part is you don’t have to figure out the mechanics or the accounting, because it’s all done for you. The idea of rewarding your customers and referring customers to the local businesses is a win-win deal for everyone. It certainly unlocks the doors, so neighboring business owners will gladly refer

customers to one another. Working to make your business a success is what Garcia and Lyoness are all about. This mindset is something you don’t see very often in this competitive society.

This program allows Garcia to provide business owners a Turn Key Global Loyalty Program that does not create a second job, it exposes their business to over 5 million members.

As a loyalty merchant, you will receive branded cards with your company logo, including the equipment necessary to transact business. You are then encouraged to freely give away the cards to your new and existing customers, with incentives to ensure they will keep coming back.

When the customers use the loyalty card in your place of business or at other participating merchants, it generates up to 1% of every transaction back to the issuing merchant’s bank account, so you’re now able to make money when your customers shop outside your place of business. The program is also currently running a promotion that pays $100 dollar referral to anyone who refers a business that becomes a Loyalty Merchant. In addition, the referring merchant or individual earns a weekly percentage of the entire revenue that is generated through this program. As for the customer, they get up to 5% cash back on every purchase, plus shopping points that can be redeemed at other participating merchants at deep discounts.

They can be used locally, internationally, or even online. Customers are

also able to freely enroll other customers and recommend other small to medium-sized business owners, and in return they receive a $100 dollar referral fee once the business is on board. The great thing about this program is that it does not matter where the customers get their loyalty cards from, because there is an alliance between all participating businesses. The Turn Key Global Loyalty Program already has a good track record, with over 5 million members, spanning 47 countries.

My Glob a l L oy a lt yProg r a m .c om stands out from its competitors because of its simplicity, and once you become a Loyalty Merchant Member, you pay only after you make a sale.

Additionally, it gives the merchants global access to over 5 million members within our community, both online and via the mobile application.

Also, their enrollment program helps them stay competitive. Where most businesses have an intimidating, difficult and tedious enrollment program, their program makes the enrollment process fairly simple. It allows customers to enroll themselves in the store, selecting a card and using the click bar code on a wireless device called “MTerm.” After the customer fills out the necessary information, the enrollment is completed via an email requesting confirmation. The entire process can be completed in less than two minutes. It’s that simple!

Garcia has started creating success for Houston businesses with

MyGlobalLoyaltyProgram.com, and the response has exceeded his expectations. Home healthcare services, restaurants and other businesses have already signed up, and he is expecting to see more join due to the obvious benefits and opportunity for business growth. Not only does this program increase sales and profits, but there’s a great incentive to recommend other fellow merchants, which creates a great benefit for the Houston community. Garcia believes in the program and says, “This program allows you to shop, save and get money back with every purchase. You can redirect a portion of your hard-earned money back into your family’s household or business.” No credit check is required, and enrollment as a customer is absolutely free. For more information, please visit www.PaidToSpend.Info.

The parent company was recently recognized by MasterCard and has formed a strategic alliance, so pretty soon the loyalty card will be embedded with a pre-paid debit MasterCard with the full functionality of a debit/ credit card that can be used anywhere.

You will have the ability to use it globally and deposit or withdraw funds.

Also, you will be able to receive up to 5% of your weekly spending in the form of cash deposits to your bank account, plus other member benefits.

When this occurs, it will certainly revolutionize the way we shop. To find out more on how your business can benefit, please visit www.My GlobalLoyaltyProgram.com.

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May - June 2015 23

5 Critical Questions Small-Business Owners Must Ask before Retirement

S

By d-mars.com News Provider

mall businesses are the backbone of the American economy. In fact, the number of small businesses in the United States has increased 49 percent since 1982, according to the U.S. Small Business Administration, and the 23 million small businesses in America today account for 54 percent of all U.S. sales.

“For many people, owning a small business is part of the American dream – although it takes long hours and extreme dedication, it’s very fulfilling to build something from the ground up,” says Douglas Dubitsky, vice president, Guardian Retirement Solutions. “That being said, even the most devoted small-business owner wants to retire eventually, and the process requires a lot of planning that is unique to being an independent worker.”

What is the main strategy smallbusiness owners are using to fund their retirement? The Small Business Owners Retirement Readiness Study from Guardian found that many small-business owners plan to sell their businesses to get the money needed in retirement.

Thirty-five percent of respondents are

counting on the sale of their business to be financially prepared for retirement.

The problem is that few – only 17 percent – have identified potential buyers for their business.

All small-business owners can do more to prepare for retirement and feel confident in their future plans. However, the study uncovers that female small-business owners are more likely to acknowledge that they are not as confident and financially prepared for retirement as their male counterparts (45 percent vs. 56 percent). Overall, if you own a small business and are starting to think about retiring, there are several things that should be addressed now to successfully prepare for your golden years. Dubitsky suggests you start by asking these questions:

1. What is your vision for retirement?

Take some time to thoroughly think about what you would like for your retirement years. How do you want to live and what do you value most? There are several questions you need to ask yourself as you prepare for this journey.

On www.myretirementwalk.com, you can take a “Vision test” to assess how

you may approach planning for this long-term journey.

2. When do you want to retire?

Do you want to retire in five or 15 years? Some small-business owners have spouses who are already retired and therefore the need for a solid exit plan is even greater.

3. What will become of your business?

Do you plan to sell the business or transition ownership to a family member? If you are a co-owner, will you sell your share of the company to the other owner? Do you want to stay involved in any capacity afterward? Who will help to ensure a seamless transition? Create a business succession plan and modify it as necessary as time passes.

4. Which financial professional is your best ally for retirement planning?

The right financial professional can provide expert insight to help you develop a comprehensive plan that addresses your needs and goals, particularly to help you build a retirement income strategy. Make sure this individual cre-

ates clear steps for how each goal can be achieved. Ultimately, think about what sources of guaranteed income are set up to cover your core expenses in retirement (such as health insurance, living expenses, etc.).

5. Do you know how long your retirement will last?

If you are successful in selling your business, then how do you make that “windfall” last throughout your retirement so you do not outlive your money?

People are living longer healthier lives and that retirement can be as long as 20-30 years. During retirement you’ll need an income plan that can last for an unknown time period.

“Small-business owners are risk-tolerant and feel that having their own business is the best way to create the wealth they want,” says Dubitsky. “However, it is paramount that these individuals build an exit/retirement strategy to meet their needs during a 20 plus year retirement while ensuring their desires for the future of their business are fulfilled.”

Preparing for your retirement, years beforehand, is the foundation to a worryfree retirement. – BPT

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24 May - June 2015

Take Charge of Your Career and Financial Future

A

By Mikal Powers

Contributing Writer

merica is seeing signs of recovery after one of the most significant economic downturns in recent history. Across the country, new jobs continue to be created each month and the unemployment number continues to improve. But the turbulent times brought to light just how fragile Americans’ job security can be. Most of those Americans are looking to the recovering economy for ways to take charge of their financial futures and begin to build wealth again.

A recent survey from University of Phoenix® School of Business shows a surprising number of working adults want to own their own business. Those numbers are highest among workers in their 20s. Fifty-two percent say they eventually want to be their own boss. A

similar number of workers in their 30s, at 50 percent, said the same. However, most say they do not know where to start.

Inventing a product and selling it, turning a hobby into a business or finding tangible solutions to problems all provide opportunities for individuals to build a demand for a product or service that is unique and builds wealth while enjoying a passion.

The biggest barrier identified by workers in the University of Phoenix School of Business survey is the lack of adequate finances for start-up costs. Sixty-seven percent of workers claimed they cannot afford an entrepreneurial venture.

Another 33 percent said they lack the proper education or training.

If you are one of the many Americans who may be looking to one day own a business, there are a few tips that can help.

1. Start with a business idea that not only fulfills specific customer needs, but has enough market demand. Support your idea through market research, competitive intelligence and target audience assessment.

United States Department of Labor: Bureau of Labor Statistics: “The Recession of 2007-2009” 1

ness owners who are not trained in this area. Consider additional education or plan for resources to address financial planning and management.

5. Develop an organization and management structure so your company is poised for growth.

2 United States Department of Labor: Bureau of Labor Statistics: “The Employment Situation – August 2014” 3 This Working Adult survey was conducted online within the United States by Harris Poll on behalf of University of Phoenix between July 17-21, 2014, among 1,138 U.S. adults age 18 or older who are full-time, part-time, or self-employed. For complete survey methodology, including weighting variables, please contact tanya.burden@ apollo.edu.

2. Identify your target audiences, understand what motivates them to act and learn how to grow long-term relationships with your customers.

3. Create a business plan and use it to set priorities, address gaps and lay out your growth strategy.

4. Financial planning can be one of the most challenging aspects for busi-

6. Do not operate in a vacuum – network and learn from other successful entrepreneurs.

The entrepreneurial spirit is within all us. It can be used to start a business or to get ahead in one’s current career. Either way, it can be harnessed and used to ensure that one has control of his or her own financial security.

Mikal Powers is campus director at University 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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26 May - June 2015

Hands-on Learning Better Prepares Students for Cyber Security Careers By d-mars.com News Provider

C

yberattacks like the hacks on Sony Pictures Entertainment and Target have put serious cybercrime on the radar of the American public and government alike, so it’s no surprise that the Bureau of Labor Statistics (BLS) projects that the cyber security industry will grow 37 percent by 2022.

The hack on Anthem Inc., a leading U.S. health insurer, in early 2015 involved a massive breach of data containing nearly 80 million personal records, prompting investigations by state and federal authorities. During his January State of the Union Address, President Obama warned that cyberattacks are among the most serious economic and national security challenges facing our nation, and urged Congress to pass legislation in response to their evolving threat.

Cyber security experts, also known as information security analysts, plan and activate security measures to protect a company’s computer networks and systems. These professionals are in high demand to protect the nation. Employment in the field will reach 102,500 jobs by 2022, the BLS predicts.

In the past, cyber security jobs were restricted to technology companies and financial institutions. Today, they are available in all fields because businesses in all industries rely on computers and the Internet to function, from providing customers a product, online services, or entertainment, to managing a viral marketing campaign.

This rising demand is outpacing the number of cyber security experts qualified for the role. The U.S. must develop a pipeline of future employees who are technologically-skilled and cyber-savvy to maintain a technical advantage over cyber attackers.

A variety of academic options are available for those looking to jumpstart a career in cyber security. Most companies require cyber security professionals to have at least a bachelor’s degree in computer science, programming or a related field. DeVry University offers a bachelor’s degree in Computer Information Systems with hands-on learning opportunities built into the curriculum. According to job search engine Monster, handson experience like this is a necessary first step in making you qualified for cyber security positions.

“Our security landscape is constantly evolving, so the tools and tactics taught in educational courses need to evolve as well,” says Dr. Rajin Koonjbearry, professor in DeVry University’s College of Engineering & In-

formation Sciences. “It is imperative that educational programs use the same tools that security professionals use to defend their environment.

This experiential learning is vital to prepare students for the real-life cybercrimes they will defend against.”

When considering which program to enroll in, you should look for schools that partner with leading technology companies. Accessibility to these industry leaders can offer access to career development, lectures and events, and competitions to test and enhance your skills, preparing you to stand out in the job market once you graduate. DeVry University’s partnership with Cisco, for example, brings students insider access to Cisco Networking Academy NetRiders competitions.

“The NetRiders competition provides students with hands-on experience that is vital to a well-rounded education and preparation for IT roles,” says Renee Patton, U.S. public sector director of education, Cisco.

“Conducted in a practical, competitive environment, the NetRiders competition gives students a chance to test their skills, showcase their knowledge, identify areas for improvement, and develop interactive networking skills.”

Security experts warn that 2015 will be the “Year of the Healthcare Hack.” Now, more than ever, analysts must provide innovative solutions to prevent hackers from stealing critical information and weakening computer networks.

With open positions in the field ranging from intelligence and threat analysis to operations management and development or customer service and technical support, the pos-

sibilities for job seekers are endless.

Accessible, state-of-the-art computer science programs and experiential learning opportunities strengthen

students’ skill sets in advanced technologies and prepare them for the exciting challenges of a career in cyber security. – BPT

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May - June 2015 27

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30 May - June 2015

Corporate Privacy Becoming a Top Business Concern in 2015 By d-mars.com News Provider

A

s many as 43 percent of companies experienced a data breach in the past year – a 10 percent increase from last year, according to an annual study conducted by the Ponemon Institute. As companies scramble to keep their names out of the headlines by bolstering up security practices and protocols, it’s important to take a deeper look into the little things you can do to better manage privacy and security within your own company.

Here are a few things to keep in mind as you think about how to keep your company secure this year: * Host a policy refresher. Employees can be your company’s greatest asset, as well as the weakest link when it comes to upholding standard security protocols. While it may seem obvious that an informed workforce is a more secure workforce, many employees aren’t always aware of the latest corporate procedures established to protect the organization. As the calendar turns, consider hosting a policy refresher course for all employees, re-

gardless of level, to start the new year off strong. It will give you an opportunity to address any policy changes that may have been made in the past 12 months, speak to any industrywide security changes and update the staff on the privacy and security tools at their disposal. * Protect against visual hacking.

While a lot of resources are spent protecting data from high-tech cyber criminals, many overlook other potential threats like visual hacking, a low-tech method that may be used to capture sensitive, confidential and private information for unauthorized use. If an employee is working on sensitive company or customer information outside of the office or in full-view of an office with employees who don’t have the same access, information is at risk of falling into the wrong hands.

In fact, the 3M Visual Hacking Experiment, conducted by Ponemon Institute on behalf of the 3M company, a leading manufacturer of privacy filters, found that in nearly nine out of 10 attempts, sensitive corporate information, such as employee access and login credentials, was able to be

visually hacked. In addition to providing employees with the right tools, like privacy filters, it’s important to educate them on the potential risks of a visual breach and incorporate the need to protect visual privacy in corporate security policies. * Rethink the open f loor plan. As a means to increase productivity, many organizations are creating open workspaces, allowing employees to work within a more free-f lowing setting.

While it may work for some, an open f loor plan comes with its own set of privacy and security drawbacks. By taking employees outside of the confines of their office walls, it becomes all too easy for vendors, third-party workers or even malicious, opportunistic employees to see confidential information from a device screen or hard-copy file. This office configuration can needlessly put your employees and data at risk.

If you have, or are moving to, an open f loor plan, it is critical to assess how the set up will affect your company’s security procedures and make sure that privacy protocols are updated to ref lect what information can be worked on where and when to better

secure corporate information. * Prevent social engineering. Employees may succumb to a social engineering attack because they were simply trying to be helpful and nice.

However, that same employee can be the “in” a hacker needs to launch a more widespread attack on the company’s system.

Before this happens within your organization, take the necessary steps to teach employees about the impact of social engineering and how they can be part of the solution to prevent it.

Show them examples of what a typical phishing email looks like, make participating in social engineering trainings mandatory so that someone doesn’t accidentally give away corporate information over the phone, and incorporate best practices for how to deal with a social engineering attempt in official corporate policies. The more your employees know about potential risks, the better equipped they will be to protect themselves – and the company.

For more information on 3M privacy products and how to protect your organization from visual hackers, visit www.3Mscreens.com. – BPT

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May - June 2015 31

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32 May - June 2015

Why You Should Pay Attention to Economic News

E

By Mathis Conner Contributing Writer

conomic news is important, but unfortunately the delivery is sometimes dull or monotonous. We usually hear, “The Dow did this,” “The S&P did that,” or “Interest rates may do this.” The reporters reading these figures never seem particularly excited when they read these economic news reports. If they’re not excited, they why should you be? Despite the delivery, you should care, as these numbers really do impact all of us.

The key thing to keep in mind is that these headlines are trying to tell you how the overall economy is doing. Now while there is no single measure that conclusively says businesses are now doing well or are now doing poorly, you can still pay attention to just a few numbers to have a pretty good feel for the mood of the economy.

Why should you care? Well, one way or another how the economy is doing impacts your livelihood. It can impact the likelihood of your raise and/or your yearly bonus. It can also impact promotion opportunities, and it can be a factor in whether or not layoffs are right

around the corner.

Economic news matters whether you work at a for-profit company or a government related agency. If you work at a forprofit company, as business slows down, company management usually starts looking for cost-cutting opportunities of one kind or another. If you work at a government related agency, as business sales decline, tax revenues also decline. Here again, management will start looking for cost-cutting opportunities. In either case, you will hope these cuts won’t impact your livelihood as an employee or business owner providing products and services.

Well, what should you pay attention to? Surprisingly, just a few reports. While you always hear about the Dow and the S&P, you really can ignore these measures, even though you may hear them every day.

Those measures are telling you about the perceived future value of public companies. How the stock market is doing is not the best way for understanding how the economy is doing. Yes, there is a relationship, but the timing of the relationship of the performance of the stock market to the performance of the economy is inconsistent and unreliable. You really only need to hear about those figures once a week to get a feel for how your stock investments/ retirement assets are doing.

The Big Four Economic News Reports 1. GDP (Gross Domestic Product) Ok, no doubt you’ve heard of this. And

you just may not get confused if you read a formal definition of it, but here is my everyday man’s definition that gets you 80% there. Think of the GDP as simply the government summing up all of the sales from all businesses in the country. Every 3 months, the Bureau of Economic Analysis publicly announces this measure to give everyone a feel for how the economy is doing. In my opinion, it is the most helpful economic measure. If total sales are increasing each quarter, then likely good times are ahead. If they are decreasing, then generally, it is time to worry.

2. Unemployment Rate The Bureau of Labor Statistics releases a report every month on the current state of employment across the country. Their employment statistics report is released within the first 10 days of the month. The current unemployment rate and recent changes in the number of payrolls are often considered to be the earliest confirming signals on the current health of the economy.

3. Housing Starts Every month the U.S. Census Bureau releases a report on the number of residential housing starts. Their report includes how many homes were issued permits, as well as how many construction projects were started. It’s easy to see how tracking home construction, which is usually accompanied by sub-

sequent orders for refrigerators, washing machines, etc., can be insightful on judging the health of the economy.

4. Business Inventories The U.S. Census Bureau releases another helpful, but often overlooked report on business inventory levels. Think about this, if the average stock room of a business is lower than normal, then business is probably pretty good. If the stock room of a business is higher than normal, then that is likely a sign that business is slowing down.

Now you know what matters. Just listen up and use it to your advantage.

Is now a good time to get extra cautious with your saving and spending habits? Is now a good time to push for that well-deserved raise? Is now a good time to launch that new line of business?

Yes, economic news can seem a bit stale at first, but these are the measures that managers watch for guiding their decisions. These measures can suggest it is either smooth sailing ahead or time hunker down for some rough waters. Use the news. 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 subscribe to their weekly newsletter about investing.

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