Vol. 4 Iss. 8 August 2014
get inspired
NOW
inspiring the creative spirit in every business leader
BOLD MOVES
WITH YOUR MONEY, YOUR BUSINESS, YOUR LIFE. PLUS: THE WOMEN OF WOODS FULLER
AND: THE POWER OF FORGIVENESS
BUSINESS SOLUTIONS. Swier Law Firm thrives on delivering exceptional, yet creative, legal services to local, regional, and national clients with high expectations. Having four offices in the heart of South Dakota, Swier Law Firm stands apart based on our nationally-recognized experience, responsiveness, and results. We proudly provide innovative legal services while keeping our client’s needs in mind. Let the attorneys at Swier Law Firm make business law easier so you can get back to doing what you love... running your business.
Visit Swierlaw.com for helpful articles and tips on business issues.
Chris McClure–
Brooke Schloss –
Scott Swier –
Maxx Hickey–
Jake Fischer–
Nationally Recognized Legal Solutions SIOUX FALLS OFFICE 5024 S. Bur Oak Place | Suite 214 | Sioux Falls, SD 57108 605.275.5669 With additional offices in Avon, Corsica and Winner.
Please join us on:
It’s about being enterprising; fearless, ready to follow your passion!
7
Top 5 Negotiating MISTAKES (Don’t make these)
You can grab your own fistfuls of wealth and abundance if you are willing to make some bold moves in your personal, financial, and business life. At Biz we want you to succeed not only to help yourself, but so you can also help others find their path to success too. It might be the desire to eat healthy, start saving for retirement or expand your business to attain new heights. Whatever the goal, it will require a bit of faith and tenacity, and the courage to go for it. Maybe you will be the next trendsetter like the starving artists of the 1940s who led the way to loft living, now a luxury lifestyle choice in major cities across America. On the personal side, maybe you have been carrying a grudge or harboring a deep resentment that needs to be expelled from your life. Learning to forgive can be healthy and profitable. Leading a stress-free lifestyle can add years to your life and help you become the happy, healthy individual you were meant to become. And if you’re too serious on the job, maybe it’s time to make a bold move and lighten up and laugh a little. Bold moves make Bold Successes. Here’s to YOUR next Bold Move!
in every issue
Inside Biz........................................4
note from the editor
Smart Biz.....................7,12,13 Biz Real Estate........8-9,11 Biz Special.................................. 15 Biz Tech Talk................16-18 Biz Feature.................23-24 Biz Finance............................ 26 Biz Health................ .........21,28 What's NOW.....................30
calendar of events
contents
Photo by Susan DeWitte
ABOUT THE COVER: BOLD MOVES!
Biz Real Estate: Luxury Loft Living: Is it for YOU?
8
16
Top 10 Tech Gadgets of 2014 The Cool & Weird stuff coming out soon!
23
The Women of Woods Fuller: Legal Info YOU can Use
11 Biz Real Estate: Buying Office Space? What You NEED to Know about Commercial Loans Homeownership for Millennials: Elusive Dream?
12
Humor - Work may not Be a Joke But a Little Laughter Never Hurts!
26
Take Control of your Retirement Why a Self-Directed IRA may be best for YOU (if you do it right, you’ll retire faster!)
28
WARNING: 5 Signs it may be a Heart Attack!
August 2014 | BizNOWmagazine.com | 3
inside Biz
note from the editor
“Freedom lies in being bold.” - Robert Frost
BOLD MOVES AND WHY YOU SHOULD RISK IT!
Photo by Shalista Photography
A bold move is the challenge to go someplace new –in your career, your business, or your life. Sometimes it’s taking a leap of faith; taking just one small courageous step, but it’s always about taking action – toward the vision that calls, the dream that is yours and yours alone. It's the belief that whatever is ahead for you is far better, far grander and far more exciting than anything you’ve ever done before! And you should risk it because it's your dream, your passion and it’s your life, and there’s only one person who controls your future… you. John D. Rockefeller was an American oil magnate and was the first billionaire in the history of the world. But did you know he was also one of the first philanthropists in the world, giving back a huge portion of his wealth to the community. Talk about a bold move!
“Be bold enough to live life on your terms. Go against the grain, refuse to conform, take the road less traveled instead of the well-beaten path. Laugh in the face of adversity, and leap before you look. Dance as though EVERYBODY is watching. And stubbornly refuse to fit in.”
People who risk it all achieve revolutionary results. They make astounding discoveries. They attain industry breakthroughs. Mostly, they find a life of adventure and fulfillment. So be Fearless. Make a bold move today.
Publisher BizNOW Magazine, LLC. Editor Charlotte Hofer 605-376-3758 char@biznowmagazine.com Design Director/ Senior Creative Ally Vogel 605-759-5615 ally@allysart.com Director of Marketing Tim Cummiskey 605-366-1489 tim@biznowmagazine.com Director of Business Development Alan Dooley 845-235-5381 Contributing Photographer Shalista Photography Social Media Strategist Alison Peymann August cover photo by Shalista Photography Reproduction or use of the contents of this magazine is prohibited. BizNOW Magazine is published monthly by BizNOW Magazine, LLC and strives to publish only accurate information, however BizNOW Magazine, LLC cannot be held responsible for consequences resulting from errors or omissions. All material in this magazine is the property of BizNOW Magazine, LLC and cannot be reproduced without permission of the publisher. Send magazine feedback and advertising and sales inquiries to tim@biznowmagazine.com ©2014 BizNOW Magazine, LLC All Rights Reserved.
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- Mandy Hale, The Single Woman: Life, Love, and a Dash of Sass
Visit us online at:
www.biznowmagazine.com
Char Hofer
Publisher/Editor
4 | BizNOWmagazine.com | August 2014
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@BizNowMagazine for news that affects the Sioux Empire business community
Biz Contributors Contributors Steph Laska works as an
Executive Recruiter with Lucas Group in Phoenix. Fluent in French, Steph has also worked as an English tutor in Grenoble, France. She says that living in different places has given her a broader and more dynamic view of the business world. Her heart belongs to Sioux Falls, though, and she plans to start a business here one day, as she loves the exciting city growth combined with the small-town feel!
Alan Dooley is a 32-year veteran of IBM and now runs Grathia Corp, a private lending and real estate investment firm. Having been a soccer coach and heavily involved in the Boy Scouts of America, he raised four children and now cares for his parents, one of whom is in remission from bone marrow cancer. Putting the fast-paced corporate world behind him, he now lives in Madison. He has a BS in Computer Science from Rutgers University.
Casey King works as a support
professional at LifeScape, where he helps provide support for people with disabilities in a group home setting. He is currently finishing a degree in Journalism and Mass Communications at South Dakota State University. His pursuit for a degree has landed him here at BizNOW where’s he involved in writing and design work. When he’s not busy at the Biz, he is likely playing video games, attending sporting events, and staying up to date on social media.
Sam Tastad is a freelance
videographer and writer in the Sioux Falls community. He is a Production Assistant at KDLT where he films and edits local sports games, and freelances as a sports writer at ESPN 99.1. He interviews local coaches and players about games and writes feature stories. Sam graduated from the University of Sioux Falls in May of 2013 with a Media Studies degree.
Mustafa Sharif is a student at
New Technology High in Sioux Falls. He comes from a family of immigrants from Kenya in East Africa and is bilingual. He is an editor for The Voice, the New Tech school newspaper. Journalism is his declared career path. He spends a lot of time watching sports and blogging about sports. Mustafa has been a fan of the New York Giants since he can remember.
Interested in Advertising? Let us help you: Charlotte Hofer
char@biznowmagazine.com 605-376-3758
Tim Cummiskey
tim@biznowmagazine.com 605-366-1489
Behind the Scenes FUN from the August BizNOW photo shoot
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Vol. 4 Iss. 5 May 2014
Photos by Shalista Photography
Get BizNOW at home! get inspired
NOW
leader every business eative spirit in inspiring the cr
INVESTING IN GOLD! HOW MUCH DO YOU REALLY NEED TO RETIRE?
6 TIPS TO GET A RAISE LOOK LIKE A MILLION… ON A BUDGET
THE
MONEY
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August 2014 | BizNOWmagazine.com | 5
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“What an honor to be awarded the monthly "Rock Star Agent" for the month of June by my peers. I’ve worked very hard to build a reputable business in real estate but there are many at Keller Williams who were as deserving as I to be recognized in this manner.” – Julie Bruflat, Keller Williams agent (See ad on back cover)
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6 | BizNOWmagazine.com | August 2014
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5
Smart BIZ
TOP 5 NEGOTIATING MISTAKES
Whether you’re deciding where to meet for lunch or you’re negotiating a million dollar deal-of-a-lifetime, life is all about negotiations. And much like a chess match, you’ve got to have the right strategy to win the game. Biz has taken a look at the top 5 negotiating mistakes people most commonly make, and we reveal them here for YOU to avoid: 1. Believing something is non-negotiable: Everything
is negotiable. It may not always seem like it, but any rules can be changed. It just takes the right mind-set. Plus, if you never ask, you will never know.
tendency to get nervous during silence and we may start to rephrase or soften the question. Don’t do that. Wait out the silence.
5. Being too aggressive / not aggressive enough: 2. S kipping the relationship-building: You can’t just
ask for the world from a complete stranger and then expect them to give you what you want. If you pre-establish a relationship that has trust and loyalty, you will get more of what you want in your negotiation, because there is a human element involved. Understand what the other party wants and help them to understand what you want. The other parties involved will most likely be more willing to come closer to your terms if there is a personal aspect to the negotiation.
3. N ot showing confidence: Without confidence,
you may come across to the other party as weak. While negotiating, this will work against you if the other person can sense it. Not feeling confident about negotiating? Improve the likelihood of getting what you want by being prepared. This will convey confidence and show the other individuals involved that you know what you are doing/ what you are talking about. Never walk into a negotiation without doing some research first.
4. D oing all the talking: The best way to display
confidence and show you are an expert negotiator is to ask for what you want firmly. Once you ask for something, be QUIET and WAIT for the answer. It’s uncomfortable to wait through the silence, but it’s worth it. We have a
Have you ever been to a car dealership and dealt with a pushy salesman? It’s a turn off to most people. On the flip side of this, have you ever spoken with someone who is a complete push over? Not impressive when negotiating. Find your happy medium. Being aggressive can come across as rude, selfish, or annoying. Not being aggressive enough gives the impression of weakness.
Although you may not get everything you want, by avoiding rookie mistakes, you will be closer to a favorable end result. Negotiation is a bit like a game, so play like a winner. Check-mate! u
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Sources: lionessmagazine.com/7-common-negotiating-mistakes/ operationstech.about.com/od/vendorselection/tp/VendorSelect-ContractNegotMistakes.htm
Craig Libis
August 2014 | BizNOWmagazine.com | 7
BIZ Real Estate
by Sam Tastad
LOFTS: LUXURY LIVING DOWNTOWN
Is it for You?
Lofts are a hot commodity across the U.S. and are reaching Sioux Falls as the downtown area has been rejuvenated with restaurants, shopping, coffee shops, and the nightlife scene. Loft spaces became popular in America in the 20th century. They began as storage warehouses in New York and Boston. As businesses went under during the Great Depression, many warehouses were abandoned, and starving artists began converting these empty warehouses into loft apartments in the 1940s. In the 1970s, investors got into the act. They saw the opportunity for these beautiful, open spaces to become highend luxury living quarters, and began renovating them from commercial to residential spaces. During the 1980s, lofts became popular with Yuppies and spread from the big city to smaller cities around the nation.
Boyce Greeley: 11th Street & Phillips, lofts range from $1,200 to $2,400 per month in rent. The building has a central elevator and storage. Phillips Avenue Lofts: 601 North Phillips Ave. with 1 & 2 bedroom apartments from $825 to $2,926 in rent. Luxury lofts feature fireplaces, laundry, grand tile showers, walk-in closets, a fitness center, elevators, patios.
8 | BizNOWmagazine.com | August 2014
BIZ Real Estate Lofts aren't your typical living space, though. They are very different from your average apartment or condo. Whereas your typical apartment usually has 8 to 10 feet ceilings, lofts feature high ceilings (10 to 14 feet) and are known to have exposed duct work and patios. While some lofts are located in brand-new buildings downtown, others offer an old, historical building feel with their rich history, charm, character, and aesthetics.
Falls River Greenway, concerts, events (First Friday's, Moonlight Movies), restaurants (such as CH Patisserie, Falls Overlook Cafe, Minerva's, JL Beers, Phillips Avenue Diner), coffee shops (Coffea Roasterie), bars (Crawford's Bar and Grill, Icon Bar and Lounge), and shopping (Ten Thousand Villages, Zandbroz Variety). Lofts offer people of all ages an opportunity to live downtown and walk to their favorite places.
Rick Gourley of Gourley Properties was one of the first to convert buildings into market rate lofts in Sioux Falls. Lloyd Properties contributions began in the 1980's when they worked on the River Tower Apartments and continued renovating from Main Street to Phillips. Many of the lofts offer excellent views of the city, Falls Park, or quiet urban spaces.
If renting a loft sparks your interest, jump on it, because according to local realtors, people are snatching them up!
While some lofts can be owned, most can only be rented in downtown Sioux Falls such as Bonton Lofts, Boyce Greeley, Crane Centre, Dakota Lofts, Harvester Building, Rehfeld's Lofts, and the Frank Building which provides Sioux Falls with a variety of choices, sizes and amenities. Downtown Sioux Falls is becoming more enticing all the time as a family-friendly place to enjoy with bike trails, parks, the Sioux
"If you want to move downtown, plan. There's not much available now," said Dave Dander of Boyce-Greeley. The Phillips Avenue Lofts were 67% leased (and increasing) before they opened on July 29, 2014. Meanwhile, Boyce Greeley opened a year and a half ago, and before they opened, they had occupants moving in on the third floor before all 4 floors were even built! It's an exciting time in Sioux Falls and as the city grows, downtown living is only expected to grow and become an even bigger deal! u
Source: Kansas City Condo
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BIZ Real Estate
by Alan Dooley
BUYING OFFICE SPACE?
WHAT YOU NEED TO KNOW ABOUT COMMERCIAL LENDING As a business owner you may be thinking about buying your own brick and mortar location. How different is it from purchasing a home? Property is property but the entity changes along with loan type and term, insurance needs and risks. For example, if your business is listed as an LLC or a Corp you do not have to qualify solely using the resources of the business. Projected business income will be utilized in the loan approval process considering the business income will repay the new property debt. Every bank has different underwriting standards but if business income is inconsistent then personal income will be heavily relied upon for the approval. In fact, anyone owning over 20% of the business will most likely be a guarantor on the loan. Therefore, personal finances and credit can play a major role in deciding whether or not the bank will approve your loan. Terms will vary from bank to bank but typically the loan-to-value ratio on the property needs to be 70/30, meaning 30% equity in the property. The loan repayment would be based on a 20 year re-payment period with a 5 year balloon payment or an interest rate adjustment after a predetermined period. Most commercial real estate loans, depending on the size, will typically be kept in house whereas home mortgages tend to get bundled and sold on the secondary market. Homebuyers are sometimes confused by this switch which has no impact on the loan, just where the payment is sent for servicing. Also, this is why you can get a 30 year fixed rate for a home mortgage and only a 5 to 10 year rate on a commercial loan. u
HOMEOWNERSHIP FOR MILLENNIALS:
AN ELUSIVE DREAM?
According to Community Investor, a whopping 60% of young adults from 18 to 34 are unable to purchase a Between 2012 and home due to their finances. With 2013, about 11.7% of 40% of them either unemployed or underemployed it is no Americans moved. Here surprise. 50% say they would are top reasons why approach their parents or they relocate: grandparents for help and for those not able to approach family for assistance, 37% plan moved to get new or to work a second job better housing – the to save enough for a leading reason for down payment, while wanted cheaper moving 22% plan on using state housing or federal programs to try and become homeowners. Lastly, due to new regulations, most banks have toughened their wanted to be lending rules. u
14.8%
8.3%
5.4%
closer to work
Sources: Income Property USA, Community Investor, Fox Business News, Trulia.com
August 2014 | BizNOWmagazine.com | 11
Smart BIZ
by Sam Tastad
WORK MAY NOT BE A JOKE A humorous story or experience can give your business new ideas and inspiration, or even help sell a product. So look for the funny things in life.
BUT A LITTLE LAUGHTER NEVER HURTS!
With the average American spending over 1800 hours a year at work, there are inevitably some stressful days.
Even slow days can drain you, as each hour slowly ticks by and you think of all the chores on your personal “to do� list. Those hours can actually be detrimental to your health, so learn how to incorporate humor not only in your personal life, but in your workplace as well to create a happier, healthier environment. 12 | BizNOWmagazine.com | August 2014
Although humor is individual, it is also cultural. What Americans think of as funny may make no sense to someone from another culture. Humor in advertising is a very effective technique; make them laugh and they will not only remember the ad, but they will tell their friends, multiplying the effect of the ad. For example, Geico uses a variety of humorous ads to sell insurance - the little green Gecko lizard, camels on "hump" day, a pig, and even Old McDonald at a spelling bee. Most of us have seen these commercials, and maybe even laughed at them. But when is it appropriate to use humor within the workplace? And how do you do it?
Smart BIZ Let’s start with the Don’ts. • Do not walk in the f irst day and start cracking jokes. You must prove your professionalism and abilities before using humor or you will be tagged a prankster and not taken seriously when it matters.
• When a serious matter is being discussed, avoid humor. The boss needs a solution, not a joke. It is also an indication that you have no clue what is going on.
• Avoid sarcasm and be cautious with religion, politics, or sexually charged comments. What is funny to one person can be insulting to another.
• Never pick on an individual. If you have to pick on someone (or culture or nationality), pick on yourself.
A humorous one liner or short joke is always appreciated when presenting at conferences. It gets the audience’s attention, builds a connection, and then they are ready to listen. For example, international minister Joel Osteen starts every sermon with a joke. No one wants to be late to his sermons; they’d miss the great joke at the beginning! In the same way, if you’re known for starting off every meeting with a funny joke, you can almost guarantee people will want to be on time!
Most importantly, laughter in the workplace can not only motivate employees, but it will also reduce stress, enhance communication and provide employees with a heightened sense of teamwork. According to the University of Pennsylvania's Behavioral Health Corporate Services, laughter increases the immune system, eases muscle tension and provides relaxation - providing very real health benefits.
• If you start with "I hope this doesn't offend anyone," don't say it. It’s offensive. • If you wouldn't tell it to your grandmother or Pastor, don’t say it. If you are not good at telling a joke, post jokes or funny stories on your office door or in the break room. Perhaps a funny anecdote or picture that reflects your workplace or shows your lighter side. Posted humor can also break the ice and open the door to a new friendship.
Having fun is now formally recognized in many innovative companies because it enhances morale and builds team synergies. Wild Tie Tuesday or
Monthly Hat Day can be both professional and bring a sense of fun into the workplace. Try starting your weekly team meeting with a funny story or picture. Red Bull of London creates fun spaces to work – they have a rooftop outdoor patio workspace and even have a slide to get from floor to floor.
While the short-term effects of laughter enhance your intake of oxygen-rich air, and stimulate circulation, the longterm effects will not only improve your immune system, but relieve pain, increase personal satisfaction, and improve your mood, according to the Mayo Clinic. So what’s not to love about laughter? And to get you started, here’s a joke we like at BizNOW:
Did you know? The chemical dopamine (released when you laugh) triggers all centers in the brain and increases creativity, productivity and engagement. Just another great reason to enjoy a laugh today.
A young businessman had just started his own firm. He had just rented a beautiful office. He saw a man come into the outer office. Wishing to appear the hot shot, the businessman picked up the phone and started to pretend he had a big deal working. He threw huge figures around and made giant commitments. Finally he hung up and asked the visitor, "Can I help you?" "Yeah, I've come to activate your phone lines."
Sources: University of Pennsylvania; ehow.com; Psychology Today; Mayo Clinic; publicspeakingadvice.com
August 2014 | BizNOWmagazine.com | 13
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Biz Special Series:
Spiritual Principles & Business Success
BIZ Special
THE BOLD SPIRITUAL MOVE:
FORGIVENESS Letting go isn’t easy.
I know a person who refused to attend a meeting simply because it was held at the office of a competitor who had once done them wrong. The meeting was an open forum for discussion, networking, and perhaps forging friendships that could be mutually beneficial on a personal and business level. It could have resulted in a lot of new business for the person. However, the person adamantly refused to attend because of their past bad experience with the competitor. I do not know the circumstances of what transpired or even if the competitor is aware of this person’s feelings. Maybe it was a devastating incident or just a petty misfortune.
to talk to them, then you must find a way to forgive them or you will forever be consumed by the conflict and they will go on blissfully unaware of their impact on your life. Bottom line, don’t let someone else’s actions control your future. Be the bigger person, offer an apology and extend the hand of friendship. Who knows, you might just re-make a friend or it might result in more business. Cheers to your success and learning to forgive. u
It does not matter. Who is being harmed here, the person or the competitor? I believe both are, but the individual more so. Is it really worth jeopardizing future deals with other parties over a location? When you are upset or angry with someone, they may not even know you are upset! You don’t have to confront them, but you DO need to realize your hurt is not their hurt and they are probably unaware of how you feel. In this case, your feelings of unrest have no impact on them at all. If you can talk to them in a non-threating manner, perhaps an understanding or apology will come forth and you will be able to mend the relationship. If you cannot bring yourself
Call for Writers
This is the second in a series of articles on Spiritual Principles & How They Can Help You in Business. The first was in our July issue: GameChanger in Business: Integrity. View it online at www.biznowmagazine.com. We define spiritual strategies as part of an overall approach to life – ways of thinking, doing, believing, and engaging with others that can enable us to live toward our highest potential and guide our everyday business transactions. If you are interested in submitting an article on how a principle of faith has helped your business (such as honesty, patience, compassion, gratitude, humility, generosity, etc.) contact us at info@biznowmagazine.com
August 2014 | BizNOWmagazine.com | 15
BIZ Tech Talk
by Mustafa Sharif
Biz List:TOP 10
TECH GADGETS OF 2014 The Cool & Weird stu ff
The tech industry is one of the most dynamic sectors to follow, and the annual Consumer Electronics Show (CES) showcases some of the most speculative and intriguing products coming to consumers. Here are some of the coolest – and maybe a little weird – gadgets that get our vote at Biz:
1
Leo “The Maker Prince” Children’s book:
Introduce your young children to the processes of 3D printing. It’s a book which shows “Leo” creating many different 3D prints and also includes downloadable design files of all the characters shown in the book so you can create them yourself.
2 Panomo Panoramic Camera Ball
This device is quirky but provides great 360 degree photography. You simply throw it into the air (not too far) and look at the results through a computer. Priced at $499 with a September 2014 release date.
16 | BizNOWmagazine.com | August 2014
coming ou t soon!
3 Goji Smart Lock
No more searching for your house keys! This gadget will replace them, because it allows you to unlock your home with just a tap of your smartphone! The Goji Smart Lock takes pictures of visitors at your door and instantly sends real-time picture alerts to your cell phone. All lock activity is recorded -- it even sends a text whenever your house is locked or unlocked so you can monitor the comings and goings of anyone entering your home.
4
June Bracelet
This device fashionably goes on your wrist like a watch, and provides an accurate reading of how much sun exposure you’re getting. It goes further by recommending an SPF level sunscreen. Stay safe in the sun and stay on time!
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brushing habits – duration, frequency, even neglected areas in your mouth -- and then communicates with your smartphone to tell you how well you’re doing. It will even recommend brushing techniques.
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5024 S Bur Oak Place, Suite #117 • Sioux Falls 57108 Phone: 605 362.2616 • Cell: 605.376.1996 gregt@insspecialtygroup.com • www.insspecialtygroup.com
Continue > August 2014 | BizNOWmagazine.com | 17
BIZ Tech Talk
Biz List:TOP 10
TECH GADGETS OF 2014
8
LaCie Hard Drive
This hard drive not only provides a terabyte of solid-state storage, but it is also desk décor. The hard drive is a metallic-colored reflective sphere. At $500 it’s pricy, but it is a one-of-a-kind.
A STUDY ACROSS 20 COUNTRIES AND 16,000 PEOPLE conducted by Ipsos Mori reveals how people really feel about technology: • People are unsettled about the pace of technological change
9
• Globally 82% felt the world was changing too fast and 45% were overwhelmed by choice, and 42% of those in the developed world do not want their country to go back “the way it used to be”. The figure rises to 47% in the developing world. • Tradition, health and the desire for simplicity are all heavily influenced by technology. • It was widely recognized that technology is hastening the pace of change in economic growth, globalization, political and individual habits.
Polaroid Socialmatic Camera
Instant prints with a modern flair! This digital camera is easy to carry, has a 4.5” touch screen and lets users print inkless pictures or stickers -- even with a sepia tint. Upload your photos AND print them instantly for friends.
10
HABU App
This app helps users create musical playlists by mood. The playlists are easily accessible with the tap of a button.
• The Brits and Americans are most in favor of public service decisions being made locally while centralization is favored only by Argentinians, Swedes and South Koreans. • The report identifies “The Culture of Now” as a leading individual trend, followed by big data and the issues of individual privacy. • Almost four of five Chinese (78%) say they are “always looking at screens”, with Britons at 71%, and a global average of 60%. Only the Spanish, at 39% say they don’t spend most of their time staring at computer screens. u
sources: Telegraph.co.uk; cesweb.org
18 | BizNOWmagazine.com | August 2014
GOV. DAUGAARD:
BIZ Quote
Let’s Bring South Dakotans Back Home to Live!
Photo by Alan Dooley
50% of South Dakotans live out of state. It’s important to bring them back home to grow our state’s economy. “A million South Dakotans are out there. Only half of them are living here right now,” said Gov. Dennis Daugaard. The Midwest has a reputation for a good work ethic. If you know South Dakotans who are living out of state, and think they might benefit from coming home, contact the Governor’s office. – Gov. Dennis Daugaard
t ta is a grea South Dako er yone, form state for an ould not, and c resident or % f for the 46 provide relie ns who are of America to paycheck now living paycheck.
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Don’t let a deal pass you by More than 465,000 businesses in the U.S. 845-235-5381 alreadyinoffer the protection of Aflac. 465,000 businesses the U.S. More than 465,000 businesses in the U.S. y offer the protection of Aflac. already offer the protection of Aflac. Shouldn’t STARTINGyours? A BUSINESS? Shouldn’t yours? Learn how you can offer Aflac to your More than Shouldn’t 465,000 businesses in the U.S. yours? employees at no cost to your business. EXPANDING? Learn how you can offer Aflac to your
already offer the protection Aflac. employees at no costof to your business. Learn how you can offer Aflac to your Melissa Beck yours? employees at no Shouldn’t cost to your business. (605) 336-3499 M3_Beck@us.aflac.com
Learn how you can offer Aflac to your employees at no cost to your business.
Melissa Beck Melissa Beck (605) 336-3499 (605) 336-3499 M3_Beck@us.aflac.com M3_Beck@us.aflac.com
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. Policies may not be available in all states. There may be indirect administrative or other costs. Source: Aflac Company Statistics, June 2011. M1861C
7/12 Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. Policies may not be available in all states. There may be indirect administrative or other costs. Source: Aflac Company Statistics, June 2011.
Good communication is key in any business, and we Melissa Beck can help. We’ll set up your So get the Advantage. (605) 336-3499 phone system, using the M3_Beck@us.aflac.com latest technology. And with little disruption or downtime.
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August 2014 Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. | 7/12 M1861C Policies may not be available in all states. There may be indirect administrative or other costs. Source: Aflac Company Statistics, June 2011.
BizNOWmagazine.com | 19
Maximize your quality of life now! Men & Women: Improve memory & sharpen focus. Reduce fatigue. Enhance mood. Slow down the aging process. Consultations available. Call today!
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1510 West 51st Street 1510 West 51st Street Culligan Water 1510 West 51st Street Sioux Falls, SDStreet 57105 1510 West 51st 1510 West Street 605-336-2165 605-336-2165 Sioux Falls, SD51st 57105 605-336-2165 Sioux Falls, SD 57105 Sioux Falls, SD 57105 service@siouxfallsculligan.com 605-336-2165 service@siouxfallsculligan.com service@siouxfallsculligan.com 605-336-2165 605-336-2165 service@siouxfallsculligan.com
20 | BizNOWmagazine.com | August 2014
Compounding Only
Clinic Pharmacies, Inc.
service@siouxfallsculligan.com service@siouxfallsculligan.com
Did you know?
BIZ Health
The human brain is about 75% water and houses essential glands that directly influence the organs of the body. The heart is composed of about 73% water, and the lungs are about 83% water.*
*gov/edu – United States geological survey 2014
s. ion is Seriou t ra d y h e D Brain ffects
ls the e ur brain fee o y e m ti body is e By th rest of your e th , n o ti ra Brain of dehyd ward spiral. n w o d a g in ls in each already tak and minera r te a w d e the cell cells ne ugh water, o n e ’t n is the cell; if there , reducing p u l e v ri sh will tween membrane minerals be rt o sp n a tr alance capacity to lts in an imb su re t a Th . . The cells loodstream b e th in ls ction of minera normal fun h it w s re e interf tigue, imbalance g mental fa n si u a c – lls ven brain of brain ce onfusion, e c , ss lo ry o rated! mem e, stay hyd lin m o tt o B damage.
AugustIS
NATIONAL WATER QUALITY MONTH
and it’s just as important to drink healthy water as it is to protect the water in our environment.
Quality counts
“The most important factor to health of both mind and body, may be not just the amount but the quality of the water we drink,” said Alex Connelly, GM at Sioux Falls Culligan. “You have to watch the water you put into your body if you want a vibrant and healthy system. Water is so essential to our overall health that it’s amazing we sometimes overlook its importance.” u August 2014 | BizNOWmagazine.com | 21
22 | BizNOWmagazine.com | August 2014
interview by Charlotte Hofer
BIZ Feature
LEGAL EAGLES
The Women of Woods Fuller
BizNOW sat down with Beth Lewis, Carey Miller, and Jennifer Van Anne, attorneys at Woods Fuller Shultz & Smith PC in Sioux Falls to find out how these women navigate the law profession.
Beth
What's a typical day for you? I meet and talk with
multiple clients each day to discuss the work they need completed. I spend much of my time negotiating and drafting contracts for business, real estate, and loan transactions.
What are the common situations where a business owner should have a contract? Businesses
often need leases, employment agreements, and sales contracts. A good contract details each party’s rights and obligations in clear and concise words.
If I have a great idea and want to sell it to a business, what do I need to know? Before sharing a
Photos by Shalista Photography
new idea, process, or design with a third party, you should consider protecting the intellectual property rights associated with it. Many times disclosures of new ideas and designs are only made after the creator enters into a confidentiality agreement with the other party.
Carey
If I want to develop my idea into a product, how can I protect my idea or product? It depends on the
nature of the idea or product and your goals, time frames and resources. Patent, trademark and copyright each apply to specific circumstances and provide certain protections.
How complicated are these processes? While a
confidentiality agreement can be utilized almost immediately, it can take months to register a copyright or trademark, and more than a year for a patent application to be reviewed and the patent issued. Counsel can help you identify which types or combinations of protections would be best for your situation. Each type of protection has its own rules and advantages related to the timing of your application. For example, patents utilize a first to file priority and a patent must be filed within one year of the first public disclosure.
Continue >
August 2014 | BizNOWmagazine.com | 23
BIZ Feature
LEGAL EAGLES
Photo by Shalista Photography
The Women of Woods Fuller
Carey (cont.)
What constitutes intellectual property? Can you give some examples? Intellectual property
generally describes the legal rights in what is developed by a person’s mind. A patent is a government granted exclusive right to prevent others from making using, or selling an invention for a specific term. Patents have been issued for prescription drug formulas and windshield wiper blade designs. A trademark is a recognized name or symbol that identifies who makes or distributes the product. Commonly recognized trademarks include the Nike swoosh and name Coca-Cola. Copyright is a government granted exclusive right to use an original work of authorship for a specific term. Copyrightable items include books, movies, painting and music scores.
Jennifer
What are the pros and cons of hiring family members? Direct or extended family members may be willing to sacrifice more for the business due to a strong sense of commitment to the family. If you are already familiar with the person’s strengths and capabilities, you
24 | BizNOWmagazine.com | August 2014
can more accurately assign their various tasks. Hiring a family member to help run your business may help you ensure the business will continue for future generations and you should have a good succession plan in place in the event you want to retire or sell the business in the future. The disadvantages of hiring family members can include the family member expecting to receive special attention, such as in workload, management, or compensation. Personal family issues could be brought to the workplace and effect performance. A written contract addressing his or her duties, expectations, responsibilities, and compensation should be in place for each family member, just as you would for any other employee.
What do you like best about your job? I am a
litigator and I like to try cases. I consider it a great honor to be able to represent my clients to the best of my ability before a jury of their peers.
Can you describe a typical trial day? I will likely
spend 8 or 9 hours in the courtroom and it usually involves additional preparation that evening for the next day, such as drafting a closing argument, witness cross-examination, or preparation of jury instructions.
Tell me about being a powerful woman in a traditionally male f ield. That might be the perception but as I look around at my colleagues I see more and more women as my partners and adversaries. u
Get the Help you Need Our healthcare system has become very complex. It can be overwhelming to remember a doctor’s advice, prescription information, to schedule tests, as well as ask questions regarding your healthcare or even know what to ask. Whether you have ongoing needs, would like an objective presence at medical appointments, need coordination of services or want one-to-one attention for yourself or your loved one, Prairie Healthcare Advocacy, Inc. could be your answer.
Yvonne Mossberg, BSN, CHA President and Founder
Contact Yvonne today, and let her put a lifetime of healthcare experience to work for you.
PrairieHealthcareAdvocacy.com 605 941-0868 | yvonne@PrairieHealthcareAdvocacy.com
FIND MORE
Profits
ACCOuntIng-COnSultIng and EMPlOyMEnt SOlutIOnS
IN YOUR BUSINESS
Bookkeeping Financial Consulting Payroll Human Resources
We work inside your business 5024 S Bur Oak Place, Suite #117 • Sioux Falls 57108 Phone: 605 362.2616 • Cell: 605.310.7197 sharonf@aceshr.com • www.aceshr.com
Web First. Marketing Always.
B -
-W Announcing the merger of local web development juggernaut, Gage e-Services with stalwart, ad agency The A Team. From this point forward we shall be known as The Gage Team and as such we provide sophisticated website development and online marketing solutions with a full suite of advertising and marketing services. Let’s face it, today your website better come first. Without one, your business simply doesn’t exist. Get that right and everything else is easy.
(605)332-1242 WWW.THEGAGETEAM.COM August 2014 | BizNOWmagazine.com | 25
-
BIZ Finance
by Alan Dooley
TAKE CONTROL
OF YOUR RETIREMENT:
(If you do it right, you’ll retire faster !)
WHY A SELF-DIRECTED IRA MAY BE BEST FOR YOU There are a handful of firms that will truly allow you to manage your own retirement funds. The IRS has a broad set of rules and regulations that govern self-directed retirement funds within an IRA commonly called a SDIRA. The IRA can be a Roth or Traditional. In a SDIRA, you can buy stocks, bonds, indexed or mutual funds, precious metals and minerals and some collectables such as rare coins, stamps and art. You can also purchase real estate, office buildings, malls and hotels. But there is a catch, always a catch. You or your direct vertical heirs cannot benefit from any of the assets in the IRA while you are not retired. What is a vertical heir? One in direct line to inherit your estate should you pass before retiring. This includes your parents as well as spouse, children, grandchildren, etc., but it does not include your siblings, aunts, uncles and cousins unless they are specifically identified as an heir. This is an important distinction when it comes to selecting a trustee for any of the assets in your SDIRA. Another catch is that you or your heirs cannot do anything to maintain the assets in the SDIRA that will provide a direct benefit to you or them pre-retirement. For example, if you buy
a rare piece of art, it must be kept in such a way that you cannot derive any pleasure from it, like in a vault that is managed by your trustee or on display where you can never see it until you retire. In the case of real estate, you must have an independent trustee, one who can oversee the property, ensure rents are collected, and taxes paid. You or your heirs cannot derive any direct benefit from the real estate; you cannot live in it, paint it, and mow the lawn or anything that aids its value. These tasks must be done by an independent. The nice thing about a rental in a Roth IRA, is that the rents can be used to pay the mortgage or accumulate tax free. Then one day you can withdraw the home from your IRA as a distribution and use it as your retirement home after someone else bought it for you. Brokerage firms that sponsor a SDIRA will probably limit your acquisitions to instruments they can buy/sell (with your direction) and collect a commission, otherwise there is nothing in it for them. The non-brokerage firms that allow you to acquire real state and collectables per IRS rules will simply charge annual fees or transaction fees based on the value of the asset being procured. They are also linked to a brokerage house so you can still buy stocks and bonds and other monetary instruments. u
Sources: MdAtlanticIRA.com; Equity Trust Co
“This is the year I will ...grow my business. ...get organized.” Visit limestonesd.com 605.521.7019
605-351-5470 26 | BizNOWmagazine.com | August 2014
Providing Peace, Hope, & Efficiency
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Tim Cummiskey | tim@biznowmagazine.com Charlotte Hofer | char@biznowmagazine.com
editor
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BIZ Health
by Casey King
WARNING: 5 SIGNS IT MAY BE A HEART ATTACK!
Are you overworked? Anxious? Pushing yourself too hard? Studies have shown that there is a link between stress and heart disease, and that can lead to a heart attack. When you’re overworked and feeling stressed, your blood pressure increases, you may skip exercise, eat more or start smoking. It is important to know the warning signs of a heart attack so you can take action.
5 Warning signs of a heart attack: Chest Discomfort
The most common symptom of a heart attack is pain or pressure in the center or slightly to the left in the chest. This can come on slowly OR suddenly and it isn’t always intense. If you are experiencing chest pain, consult your doctor immediately or call 9-1-1. Remember, minutes can make a big difference.
Shortness of breath
Another common symptom of a heart attack is shortness of breath, which is usually accompanied with chest pain or other symptoms. Shortness of breath can occur even without chest pain and should be taken seriously.
Upper Body Discomfort
Discomfort can stem from a lot of different places; commonly the jaw, arms, back, stomach, and neck. Often, pain will begin in the chest and spread to other areas. If you’re experiencing pain in your upper body along with chest pain, it’s time to see a doctor.
Dizziness or Lightheadedness
Dizziness or lightheadedness occurs because of a drop in blood pressure or blood flow to the brain (Source: WebMD). This is a telltale sign that a heart attack is present when accompanied with chest pain. The dizziness can be mild or more severe, which can lead to fainting.
Fatigue
It’s common for people to feel a bit fatigued on any given day, but unusual or sudden fatigue may be your heart telling you that something is wrong. This symptom is probably the most overlooked symptom, because many people experience the usual fatigue that comes with that everyday grind. If you notice that you are experiencing a lack of energy for no apparent reason, it could be a sign of a heart attack.
28 | BizNOWmagazine.com | August 2014
The good news is, there’s a lot you can do to prevent a heart attack. Healthy habits such as eating a nutritious diet, getting enough exercise, and reducing stress are key factors to lowering your chances of a heart attack. Start today! u
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August 2014 | BizNOWmagazine.com | 29
BizNOW Calendar
Send items to: info@biznowmagazine.com
what's now
August South Dakota Art Museum New events and displays throughout the summer.
1
August 1 Fridays on the Promenade concert #7 6:00 - 8:00 pm Historic 4th & Virginia Streets, Sioux City, IA $3 Bring your lawn chair and plan to hear some great music. Food and beverage vendors. See fridaysonthepromenade.com August 2 Brandon Hometown Days 3:00 p.m. - 10:00 p.m. McHardy Park Free August 3 21st Annual Madison Car Show 11:00 – 4:00 pm Prairie Village, Madison Prairie Village Season passes are honored for this event. Adults $5 children 12 & under free. Info at www.prairievillage.org/ madison-car-show/
4
August 4 DTSF First Friday 5:00pm Downtown Sioux Falls Shopping, entertainment and special events at your favorite downtown locations like Coffea, Museum of Visual Materials, Old Courthouse Museum, Washington Pavilion.
August 4 2014 Inside Washington with U.S. Sen. John Thune 11:30 AM with lunch, $25 members, $50 non members 1:00 - 1:30 PM, YPN members only Callaway's Event Center 500 E. 69th St. Sioux Falls. RSVP to 605.373.2015 or mgutierrez@siouxfalls. com. August 4 YPN Golf League 5:30 PM - 8:00 PM Network with members each week at a different course while playing. Contact Lauren at lfosheim@siouxfalls.com.
5
August 5 Sioux Falls Chamber Mixer 5-6:30pm W.H. Lyon Fairgrounds 100 N. Lyon Blvd Complimentary hors d'oeuvres, beverages, $3 RSVP to 605.373.2014 or plund@siouxfalls.com. August 6 YPN Morning Buzz 7:30 AM - 8:30 AM Panera Bread Network with other YPN members over a cup of coffee. Bring a friend.
Biz Lunch Corner Need a nice spot for a quick lunch and to conduct business?? Perkins For an informal lunch or to conduct a bit of business in Sioux Falls...Perkins, yes Perkins. More than just breakfast – a nice assortment of healthy lunch platters including salads and soups and a pot of coffee. Free wifi and comfortable booths or tables for your private conversation. With a great bakery offering pies and pastries, don’t forget dessert! Visit one in your neighborhood.
Got a place we should know about? Send in your own review in 75 words or less - we’d love to hear about it! info@biznowmagazine.com
30 | BizNOWmagazine.com | August 2014
August 8, 22 Evening in the Vineyard 6:00 – 9:00PM Wilde Prairie Winery North of Brandon off Hwy 11; 1.5 miles west on 259th Street. No outside alcohol, food or pets.
12
August 12 SME Golf Jam 11:00am - 7:00pm Bakker Crossing Golf Course, Sioux Falls (Sales & Marketing Executives) SME members can invite a guest. 336-5626 to register to play or email sue@smesiouxfalls.org August 14 Brandon Chamber Mixer 5:00 - 6:30 PM Ten Below Frozen Yogurt 1224 E Holly Blvd August 19 Brandon B2B Member Luncheon 11:30 - 1:00 PM Pizza Ranch, Brandon
August 20 13th Annual VA Show and Shine 5:30 to 8:00 pm VA, 22nd St, Sioux Falls All vehicles and motorcycles welcome. No registration. Food available for purchase. August 21 Sioux City Business After Hours 4:30 - 6:30 pm NetSys+ 1915 Morningside Ave, Sioux City, IA
27
August 27 Brandon Chamber Ice Cream Social 4:00 - 5:00 PM Dairy Queen, Brandon September 19, 2014 POW MIA ceremony 6:30-7:30pm Veterans Memorial Park honoringveterans.blogspot.com Open to public, free. Contact: Duane 605-254-8067
Why Real Estate? Why NOW?
LD SbyOJulie
There’s never been a better time to buy than now. I work with phenomenal people with an attitude of gratitude, who share each other’s knowledge. That’s why Keller Williams is No. 1 in the industry.
Why me? •P rofessionalism – My clients come first in every transaction. •S ioux Falls Native – I know what Sioux Falls has to offer, and I will match that with the needs of you and your family. •W ork ethic – I have a true Midwestern work ethic. My day doesn’t end until you are happy. • Ambition – I won't stop until your goal is met. •E nvironment – Keller Williams gives me a distinct advantage in working with you through state of the art technology. •L ong-term – I want my clients to be forever clients. I will be working for you from the day we begin until the day we close, providing the best marketing and advice possible.
Buying, selling, moving? I can help. Let’s talk.
Call: 605-376-3560
Julie Bruflat, Realtor 5915 S. Remington Place • Sioux Falls, SD 57108 Office: 605-275-0555 • juliebruflat@kw.com