business adviser no. 6

ERGONOMICS AND THE WORK PLACE

Successful Business

CHEAPER IS NOT ALWAYS

BETTER

DON’T ELIMINATE THE

MIDDLE MAN

Working GREEN

+Orlie Ochoa Finds the Perfect Ingredients to a

Add One!

Who Needs Life Insurance?Bump and

Up-Selling in Marketing

IS THE CUSTOMER

ALWAYS RIGHT?

COMPLIMENTARY COPYSecond Edition: Vol. 1/Issue 6

The Greater Mission Chamber of Commerce is a contributing member of

Business Adviser Magazine.

STAFF

Andrew YooMaggie Yoo

Oriol ZertucheJohn AmourMila Sekulic

ADVISORY BOARDMEMBERS

John AmourDavid Armstrong

Alonzo CantuAlfonso CavazosJanet CavazosEnrique GarzaMarco GarzaAlbert Lopez

Dr. Arturo LopezShavi MahtaniGeorge Myers

Dr. Teofilo OzunaCarol SchmittDanny SmithAndrew YooMaggie Yoo

Oriol Zertuche

CONTACT US

In print, online, and in person, nobody connects the people, issues and ideas within valley business owners like Business

Adviser.

Our Team Editor’s Letter

First let me thank you for your continued support, we hope to es-tablish Business Adviser Magazine as the single most important re-source for business owners in the Rio Grande Valley. Our vision is to create a brand that would stand for everything business and support business owners with everything they require outside of their core disciplines.

This magazine is the result of an ongoing demand for a reputable, responsible source for business knowledge and advise. The busi-ness world can be a scary place, with tough decisions to make and a tough road to success. We plan to ease these situations by providing an online and offline publication that will guide business owners of every level in their ventures. Our team consists of knowledgable en-trepreneurs that eat, breathe and live business.

With a dedicated panel of industry experts and a hands-on approach to answering business related questions, Business Adviser Magazine helps business owners stay ahead of the competition and empower them into success. Our mission is to inspire the entrepreneurial spirit and foster business growth by providing the resources needed for business owners to prosper. I personally invite you to join Business Adviser Magazine. We are sure that your business will benefit greatly from the exposure generated in this publication, building brand equi-ty and establishing you as an industry authority.

Sincerely,

EMPOWERING SMALL BUSINESS

Andrew Yoo, CEO & [email protected]

In This Issue

10WHAT HAPPENS WHEN I MISS A MORTGAGE

PAYMENT?

12BUMP AND UP-SELLING IN MARKETING

14CHEAPER IS NOT ALWAYS BETTER

16GET A BOOST IN YOUR AMATEUR CAREER

THROUGH INTERNSHIP

20EVALUATING YOUR CUSTOMER’S NEEDS

21 DO YOU LET YOUR STAFF DAYDREAM?

24 IS THE CUSTOMER ALWAYS RIGHT?

26TEN CHARACTERISTICS OF EFFECTIVE

MEETINGS

30 KEY PEOPLE

32RIBBON CUTTINGS

37AEROMAR IS THE ONLY AIRLINE WITH DIRECT

FLIGHTS TO MÉXICO CITY OUT OF MCALLEN, TEXAS

42 SIX WAYS TO EVALUATE A CONTRACTOR’S

SERVICE AND REPUTATION

44WORKING GREEN

46MARKETS COMMENTARY

48WHO NEEDS LIFE INSURANCE?

06 THE TRIPLE BOTTOM LINE: PROJECT SIN FRONTERAS

28

08 FIVE STEPS TOMAXIMUMPRODUCTIVITY

22 ORLIE OCHOA FINDS THE PERFECT INGREDIENTS

44 WORKING GREEN

17 DON’T ELIMINATE THE MIDDLE MAN… ADD ONE!11 BALANCE YOUR

HOLIDAYSAND BUSINESS

18 ERGONOMICSAND THEWORK PLACE

SIX STEPS OFEFFECTIVECOMMUNICATION

6 www.businessadvisermagazine.com

Business and marketing activities are often largely held responsible for the demise and degradation of the earth and ecology. However, while business and marketing may well be respon-sible to some extent, marketing is a

powerful tool that can drive the major shift needed for sustainable business. More specifically, business and marketing practice is key to implementing the triple bottom line. One place to begin is in univer-sity educational programs. Project Sin Fronteras is showcased as a deliberate effort to raise awareness on sustainability in tertiary business and marketing education, at the University of Texas – Pan Amer-ican (UTPA and University of Texas –Brownsville (UTB). This is a story of sustainability.

Within the theory and practice of commercial en-terprise, there is an increasingly urgent call for ed-ucators to incorporate a broader perspective that in-cludes consideration of ecology, environmentalism, and ethics, in tandem with economic reality. This broader perspective widely recognized as the triple bottom line recognizes that both natural and human resources are indeed limited and therefore must be managed as such. From this broader perspective, profit and price are no longer the priority but rather people, planet, and process become part of the picture. Sustainability as a topic of study has become a common element in both corporate strategy and academic work within the business discipline. Yet, in reality progress has stalled in many respects.

INCORPORATING PLANT, PEOPLE, AND PROFIT AS SUSTAINABLE BUSINESS AND MARKETING PRACTICE The brief history of this story of sustainability be-gins with a bi-lateral exchange between UTPA, USA and Leuphana University, Germany, where Amer-ican students would travel to Germany for the ed-ucational experience. Topics of study included the environment and use of natural resources, sustain-able European Union business practices, cultural differences, and practical business applications. As well, students were geared towards gaining a basic understanding of geo-political issues from the Euro-pean perspective and an introduction of European law applied to global business. In looking to expand this bi-lateral exchange, a targeted topic of sustain-ability was an integral part of discussions given the German Faculty coordinator is an environmental lawyer who served as an advisor in the writing of environmental law for the European Union. This expansion enabled the establishment of an environ-mental course of study at Leuphana University and similarly to initiate a course of study at UTPA, The TransAtlantic Sustainability Seminar (TASS) was developed and is currently available for enrollment. To further encourage the teaching of the triple bottom line across university disciplines, an initial workshop was designed to have a diverse group of Faculty participate and become informed on how to incorporate sustainability into current and new courses. And so, Project Sin Fronteras was born.

INTRODUCING THE TRIPLE BOTTOM LINE:

PROJECT SIN FRONTERASProject Sin Fronteras began with the purpose of preparing Faculty to

incorporate sustainability into business and marketing education. Authors: Joe Garza, Sharon Schembri, University of Texas – Pan American

ECONOMY

7

PROJECT SIN FRONTERAS WORKSHOP Project Sin Fronteras is the two-day workshop de-vised to begin the process of integrating sustain-ability into the educational culture of UTPA and UTB. The title Project Sin Fronteras was chosen as representative because of the two cultures of South Texas and Northern Mexico. With the border region as a fast emerging economy, under-standing the benefits of the triple bottom line is of great importance.

Project Sin Fronteras began with the purpose of preparing Faculty to incorporate sustainabili-ty into business and marketing education. The purpose of that objective was to raise community awareness of the importance of planning sus-tainability into commercial projects that would impact the region of South Texas and Northern Mexico. From there, the goal was to transition to a new way of teaching and learning about sus-tainability. As a fast-growing university within an emerging economy teamed with developing infra-structure and myriad social issues, the urgency of beginning this transition has become paramount.

Sustainability inclusion will also soon be a standard requirement within tertiary education. More than that, by incorporating sustainability into higher education, UTPA and UTB are raising awareness within the younger generation. In raising aware-ness with the future business leaders of the border region, a generation of sustainability ambassadors will encourage the triple bottom line as a strate-gic business practice. For example, business and marketing students learning to formulate business and marketing plans will reflect on sustainability throughout the marketing mix elements and its implementation. As well, young entrepreneurs with a view to sustainable marketing will more readily identify business and marketing opportunities and accordingly, endorse sustainability practices. Effec-tively, UTPA and UTB soon to be UT-RGV is position-ing as a leading advocate on sustainability within the region and positively contributing towards a more balanced approach in the utilization and maintenance of natural resources.

As well as profit, astute business people and mar-keters must consider ecological and social respon-sibilities. More than that, universities have the re-sponsibility to educate and prepare students on the benefits of the triple bottom line as smart business strategy. This applied case of Project Sin Fronteras is a case example of teaching sustainability specifi-cally in business and marketing education.

ECONOMY


STRATEGY

Productivity is an es-sential part of staying ahead in business. Often, the more work you can handle, the more money you can make. As business professionals, we all

strive to work hard, but are we working smart? Professionals with high levels of productivity can respond with a re-sounding yes. Read on for a look at how you can take five steps to maximizing your productivity in the office.

5Steps to Maximum Productivity

GET ORGANIZED

The first step that you must take to enhance your productivity is to get organized. Seriously. Set up files in your emails so that you have all of your pertinent information before you get started. Set up your workspace so you have guidelines and references at your fingertips. The idea is to create a work-space that is organized so that you can work more efficiently. File cabinets and sorting bins work well, too. Organization is a key component to increasing your overall productivity.

REDUCE DISTRACTIONS

Distractions can be a real productivi-ty killer. If you work in a busy office, you’re going to run into distractions. You need to be pro-active and do things to help reduce the distractions in your own space. If the office is loud, purchase a pair of noise-cancelling earphones. If you are working on an important project, put your instant messenger on ‘Do Not Disturb’ and let your phone go to voicemail for all non-urgent callers. Without these distractions, you can better focus on the task at hand.

Why compromise when you can have it all? Check out these easy steps which can boost your productivity and increase performance.

9

Motivation matters! Find out what

inspires you best

Steps to Maximum Productivity

LEARN BETTER TIME MANAGEMENT TIPS

Time management is a vital part of boosting your productivity. When there is more work than hours in the day, it is vital that you schedule your day to meet your priority work demands. If you use Outlook at work, you can set alerts for when deadlines are approaching or when you need to change gears. This is an effec-tive way to keep on track and on top of your deadlines, requirements and press-ing issues. Another way to enhance your time management skills is to minimize the amount of time spent in meetings. If at all possible, don’t hold a meeting for something that can be covered in an e-mail or in-depth phone conversation.

PRIORITIZE YOUR PROJECTS

It is vital that you prioritize your proj-ects and deadlines. Work on the hottest issues and the deadlines that will be approaching first so that you ensure that you always settle your projects and accounts in a timely fashion. By keeping track of what needs to be handled as a priority, you will never have a question of what to do next. This will help you stay busy and productive, and you will see an upsurge in your activity at work.

GET MOTIVATED

One of the best things that you can do to enhance your productivity is to get motivated. What motivates you? Music? A goal? Maybe you’re working towards a promotion? Whatever motivates you, use it. Motivation helps you achieve your goals quicker and provides focus, energy and drive in the work place.

STRATEGY


FINANCE

WHAT HAPPENS WHEN I MISS A MORTGAGE PAYMENT?

- You can contact an HUD-approved housing counseling agency. Call 1-800-569-4287 or TDD 1-800-877-8339 for the housing counseling agency nearest you. These government agencies such as the hous-ing counseling agency, may also offer credit counseling and their services are free of charge.- You can utilize your Vet-erans Administration (VA) guaranteed loan program; you can call the nearest VA office to make necessary arrangements.

WHAT ARE MY OPTIONS?A Mortgage Modifica-tion. You may be able to refi-nance the debt and/or extend the term of your mortgage loan.Special Forbearance. Your lender may be able to arrange a repayment plan which would be based upon your

financial situation and may even provide for a temporary reduction or suspension of your payments.Partial Claim. Your lender may be able to work with you to obtain an interest-free loan from the HUD to bring your mortgage current. You may qualify if: your loan is at least 4 months delinquent, and no more than 12 months delinquent; your mortgage is not in fore-closure; and you’re able to begin making full mortgage payments.

Edgar J Hernandez

Branch Manager-PRMI RGV|

NMLS# 226169

3401 Old Highway 77

Brownsville Texas 78520

O: 956-616-4926

Fax 1.800.519.7915

[email protected]

www.rgvhomemortgage.com

www.PRMIUSA.COM

When your lender files a Par-tial Claim, the U.S. Depart-ment of Housing and Urban Development will pay your lender the amount neces-sary to bring your mortgage current.Pre-foreclosure sale. This will allow you to sell your property and pay off your mortgage loan to avoid fore-closure and damage to your credit ratingDeed-in-lieu of foreclo-sure. As a last resort, you may be able to voluntarily «give back» your property to the lender.

Most importantly, if you feel that you are falling behind on your mortgage obligation, contact your lender and ask them for your options. Your home is your primary asset, and you must strive to defend it.

A lot of my past clients had approached and asked me, “What happens when I

miss a mortgage Payment?” - Well, if you miss a payment, it may not affect you that much right away but it could be the initiation of a Foreclo-sure.

BUT WHAT IS A FORECLOSURE? - Foreclosure is the legal means that your lender can or will use to repossess or take over your house. If this happens, you will have to move out of your house. In addition, if your property is worth less than the total amount you owe, you could be pursued by the bank and/or the U.S. Department of Housing and Urban Develop-ment (HUD) for a deficiency judgment. And if this is the case, you will not only lose your home, but there will also be an additional debt that you would owe to your lender or to the HUD.So the big question you might be asking yourself, “What can I do?”

Here are a few tips to prevent or avoid foreclosure:-DO NOT IGNORE THE LET-TERS FROM YOUR LENDER. If you are having trouble making your mortgage pay-ments, do yourself a favor: call or write to your lender and explain the situation. - Do not leave your house, your lender may help you qualify for assistance, but you must not leave your house.

11

STRATEGY

Balance Your Holidays and Business

Working through the winter holidays is a chal-

lenge that many professionals face. This is the season when the halls at home are decked and the tree is trimmed, life at the office can be a bit dreary. It doesn’t have to be, though. Even though the hol-idays are here, the business world keeps on spinning and someone has to maintain the influx of work. The world doesn’t stop for anyone, even dear old Santa Claus. Read on for a look at how you can balance business and the holidays successfully.

ASK FOR TIME OFF WELL IN ADVANCE OF THE HOLIDAYSIf you know that your holiday plans are going to disrupt your work schedule, you may want to ask for a few days off during the holidays. This is a popular time of year to take time off and spend it with friends and family, so will want to speak with your manager or supervisor with ample time so that you can make sure that you are granted your request. In most business areas, the entire staff cannot be off on any giv-en day, and these requests are often first come, first serve, so you will want to act fast.

DON’T STAY UP TOO LATE PARTYING IF YOU HAVE WORK THE NEXT DAYLet’s face it. You’re not eighteen anymore. Your party animal days are likely far be-hind you. While the holidays are chock full of parties, it is important that you get ample rest before a long day at work. Don’t stay up past midnight if you have to be up at five.

BRING THE HOLIDAY SPIRIT TO WORK WITH YOUJust because you have to work, doesn’t mean that you can’t bring some holi-day cheer with you. If you

work permits, listen to some holiday tunes on your iPod, bring in a plate of homemade cookies to share with your colleagues or even decorate your work space with some holiday decor. Little things can make all the difference. Rather than getting de-pressed by being in the office during the holidays, bring the holiday cheer with you; it can make the work day that much more tolerable.

PACE YOURSELFDuring the holidays it seems as though everyone and their grandmother is throwing a Christmas, holiday or New Year’s Eve party. While it sounds so much fun to

attend each and every party, it reality, it is downright exhausting. Select a few must-attend events and RSVP. Pace yourself through the sea of holiday parties. Keep in mind that you need to be fully functional for your job, and you’re no good to anyone if you’re exhausted.

BALANCE AND STRUCTUREWhen it comes to working through the holidays, distrac-tion can be a major issue. In order to combat this, you may need to stay busy and keep a structured schedule through-out the day. By staying focused on the task at hand, your day is likely to go a lot quicker.

Work-life and personal-life doesn’t have to be in a constant tug. Here we make the balancing easier for you with these easy-to-follow steps.


MARKETING

With every single sale that your company achieves, you have the opportunity to bump or upsell. A

bump or an upsell is a sales and market-ing technique that increases sales figures by adding on related products and ser-vices to existing purchases. This method works because the add-ons are natural, and are things that the customer could ideally need to enhance their experience. This method can be instrumental on in-creasing overall sales figures. Read on for a look at what the bump and upselling method can do for your business.

AN EXAMPLE OF BUMP AND UPSELLINGThe perfect example of bump and up-selling comes from the retail industry. A gentleman named Larry is browsing the long line of printers that your store is offering on sale. Larry is well read and has done his research. He has narrowed his search down to three printer models, all of which received high customer praise and are on sale for approximately the same price. A standard sales person would assist Larry select the printer that would best suit his needs, however, an exceptional sales person will assist Larry select the printer he needs, and point out the additional add-on items he will need to use his new device. Natural add-ons include a ream of white printer paper, ink cartridges and a cable to connect the printer to his laptop computer. Not only would an exceptional sales person help Larry get what he came in for, but he would educate Larry and remind him that he will need to purchase additional items for his new printer. Instead of a sale of $79 plus tax, this sale was pushed

Bump and Up-Selling in Marketing

up to over $120. This bump/upsell earned the store an additional $41 in sales.

BUMP AND UPSELLING IN MARKETINGBump and upselling techniques also work quite efficiently in marketing materials. Now when many stores advertise a product such as a Blu-ray player, they also add complimentary items to the same page such as Blu-ray movies, cables, TVs and TV stands. Some companies even use helpful reminders for consumers such as, “Don’t forget your HDMI cable!” This marketing technique is highly effective and helps stores increase their sales totals while assisting customers in taking home everything they need to set up their new device. Services can be bumped, too. If you sell furniture, offer to assemble it

Bump and up-selling has been a proven method to skyrocket sales. See how you can benefit from this strategy.

for customers. Do you offer home or in-store delivery? Offer it. Bump and upselling is all about thinking one step ahead. What will my customer need to use their purchase?

THE BOTTOM LINEBump and Upselling are effective ways to not only increase sales totals but also assist customers in ensuring that they have found everything they could possibly need. This is a method that does not have to be pushy at all, but it also comes across as being helpful and going above and beyond the standard call of duty. The job of the salesman is to determine the customers’ needs. Don’t leave it up to them to remember their ink cartridge for their new print-er. Assess the customers’ needs and lead them in the right direction.

13

INVESTMENTS


LIFESTYLE

Some consumers will jump at a sale or bargain. Oth-ers will carefully research the products that they want to purchase and only take the plunge when they know that the product is definitely worth their hard-earned money. Cheaper is definitely not always better. Read on for a look at why it may pay to spend a little more on a higher quality item.

SOMETIMES YOU REALLY DO GET WHAT YOU PAY FORThere is an old saying that goes, “You get what you pay for.” There is definitely some truth to that logic, especial-ly when you purchase an item based upon price alone. Consider this: Purchase an off-brand item from a discount store at a rock bottom price and then purchase a compa-rable, but higher-priced item from a major retailer after fully researching it for quality and durability. Chances are that the item from the dependable brand with the top quality reviews is likely to outlive the cheap knock-off.

DON’T EXPECT LONGEVITY WITH DEEP DISCOUNT PRICESWhen you purchase an item at a deep discount price, you probably shouldn’t expect it to last as long as a more expen-sive product would. The reason why many items are priced so low is because they cost less money to make. Sometimes a lower grade material is used to make the product you just purchased as opposed to a high-priced, but quality made product. While deep discounted products provide savings up front, you really aren’t saving money in the long run if you have to run out and buy a replacement every few years, when the low-priced option begins to malfunction or needs to be replaced due to wear and tear.

BE VERY CAREFUL WITH ELECTRONICSWhen it comes to deep discounts on products, it is advisable to be cautious with electronics. If there are big cost slashes on an electronic product, this should be a red flag. Unless it’s Black Friday or Cyber Monday, it is not likely that you will see huge discounts on TVs, computers, cell phones, etc. If you do, that could be an indication that the phone is not selling well, may have reported consumer issues or features outdated technology. Make sure that you do your homework before purchasing discounted electronic items.

CHEAP CLOTHES AND BEDDING ARE EXACTLY THAT… CHEAPLow-cost material often features a lower thread count and cannot stand up to everyday wear and tear like higher qual-ity clothing, bedding, sheets and blankets can. The higher the thread count, the better the material will generally hold up. In addition, quality material has a more appealing feel. Low quality and discount bedding and clothing not only will not hold up as long as quality made articles but it can have a rough texture as well. Rather than risking spending your hard earned money on bedding and clothing that may not last long at all, purchase items that will withstand the abuse from washing and wearing.

THERE ARE EXCEPTIONS TO EVERY RULENaturally, there are exceptions to every rule. It is possible to find a great deal, but it is vital that you do your homework first. Don’t be hoodwinked by a great price tag. Make sure that the purchase is a smart one by reviewing consumer reviews.

Cheaper is not always BETTER“You get what you pay for”: Why Cheapskates Are NOT Cool.

15

INVESTMENTS

17

The middle man sure seems to be getting a bad rep-utation lately. We hear it often, “Take

out the middle man.” The ques-tion is, why are we taking out the middle man? What has he done so wrong? The fact of the matter is adding a middle man to fulfill business needs can help businesses run smoother, can add an extra level of pro-fessionalism and expertise and make your life a lot easier. Read on for a look at why the middle man is actually good for you and your business.

EXAMPLES OF MIDDLE MEN

There are many examples of middle men. While many peo-ple will try to convince you that a middle man is unnec-essary, this simply is not true. A health advocate is a perfect example of a middle man. A health advocate does not work for the hospital, doctor or insurance agency. They work for patients and strive to help consumers under-

company. They are intended to enhance the customer’s experience and provide them with greater end results.

ADDITIONAL LEVEL OF SERVICE THAT CAN BE PROVIDED TO CUSTOMERS

A middle man offers an additional level of service and expertise to the customers’ existing services with a com-pany. Many companies enlist consultants, specialists and freelance professionals to help add a highly coveted layer of professionalism to their exist-ing services. The middle man can help ensure that custom-ers achieve a higher level of service and expert results.

WHY ELIMINATING MIDDLE MEN DOESN’T MAKE SENSE

With the amount of profession-alism, services and courtesy the middle man offers, it simply does not make sense to elim-inate them from the picture. Many consultants or middle man know that they are not a required source, and as a re-sult, they go further to provide top quality care and service to ensure that their clients are satisfied and their needs are met. Some people eliminate the middle man to reduce overhead costs, however, when they realize that the services pro-vided by their consultant were instrumental to their business, many change their tune.

STRATEGY

DON’T ELIMINATE THE MIDDLE MAN… ADD ONE!

stand their benefits and get their claim issues resolved. They offer a service that is in-valuable. Consumers no lon-ger need to get stressed over claims that were processed incorrectly or deal with arro-gant customer service agents. Instead, they have a case worker who advocates for them. The middle man seeks to make the client’s life easier and provides additional ser-vices that customers cannot receive elsewhere.

MIDDLE MEN TAKE CARE OF TASKS AND ISSUES THAT CANNOT BE TACKLED IN-HOUSE

The benefit of a middle man is simple. They take care of is-sues and projects that cannot be tackled in house. Maybe they are a web designer, a marketing consultant or an IT specialist. Whatever the case is, a middle man is someone who is highly qualified and can provide exceptional ser-vices that customers cannot obtain from a particular

THE BOTTOM LINE

The bottom line is simple. The middle man helps to make your business run more smoothly, and helps you to meet your clients’ needs and demands. Don’t eliminate them... Make them a welcomed part of your business.


INVESTMENTS

ERGONOMICS AND THE WORK PLACE

Is a comfortable work place a happier one? Many professionals seem to think so. Ergonomic chairs and desks aim to make

professionals that work at a desk for long hours each day more comfortable. There are other advantages to offering ergonomic work space fur-nishings including enhanced productivity and less strain on the back, wrist and neck. Read on for more on imple-menting ergonomic furnish-ings in the work place.

How ergonomics workplace enhance employee performance and well-being.

19

nishings and products in the office. From back pain and fatigue to carpal tunnel syndrome and blood clots in the legs, ergonomic designs help the employee to be more comfortable as they work. These products are designed to contour to the adult hu-man body, featuring natural curves, comfortable material and supporting designs that create a supportive and com-fortable feel.

CAN ERGONOMIC FURNITURE REALLY REDUCE EMPLOYEE STRESS?In a word, yes. Ergonomic fur-niture contours to the body and helps to alleviate stress on the lower back. By offering a contoured and comfort-able experience, ergonomic furnishings such as chairs and desks can truly alleviate some stress off of the employee’s body and help prevent fatigue.

THE BOTTOM LINEMany companies are begin-ning to update older work spaces with modern, ergo-nomic work spaces. Employ-ers are well-researched on the benefits that ergonom-ic products offer and by providing associates with a comfortable and supportive work space, they are help-ing to enhance productiv-ity and lower stress in the work place. There are many different styles of ergonomic furnishings and there truly is something to fit every taste, style and office need. From modern contempo-rary styles to rich leathers and dark woods for a more classic look, ergonomic furnishings can be bought in any different number of styles. Select the ergonomic furnishings and products that best fit your company’s and associates’ needs.

MARKETING

CAN ERGONOMIC FURNISHINGS AND PRODUCTS INCREASE PRODUCTIVITY IN THE WORK PLACE?There are many benefits to installing ergonomic furnishings and products in the office. Enhanced productivity is a big reason why so many offices have opted for ergonomic designs. Ergonomic furnishings and products can help reduce the stress and strain that profes-sionals can experience while working in an office. Ergo-nomic chairs help support your back and arms, while ergonomic mouse pads fea-turing a cushion to support your wrist and help prevent carpal tunnel syndrome.

HEALTH BENEFITS THAT COME FROM ERGONOMIC FURNISHINGSThere are many health benefits that can arise from installing ergonomic fur-

TYPES OF ERGONOMIC FURNISHINGS AND EQUIPMENTThere are plenty of ergonom-ic furniture on the market to choose from. Some popular ergonomic pieces include ergonomic office chairs with lumbar support and soft, supportive arm rests, ergonomic desks with curved edges and soft touch for maximum comfort and foot rests that provide support and flexibility and enhance blood flow. Furniture is not the only ergonomic additions to the work place, though. There are plenty of items that offer ergonomic design include keyboards, keyboard trays, mice, mouse pads, iPad holders, document stands and more. These products are designed to provide add-ed convenience and comfort in the work place. Research shows ergonomics

workplaces are healthier and more productive.


MARKETING

Evaluating Your Customer’s Needs

Customer loyalty starts with customer satisfaction. Know your customers, know their needs.

First impressions go a long way in the business world. Not only are you going to make an impression on your customers, but they will have an impres-

sion on you as well. How do you evalu-ate your clients and determine which are loyal customers and which still need to be convinced of your professional prowess? There are plenty of ways in which the evaluation of your customer can help the success of your business and create a lasting and healthy busi-ness relationship. Read on for a look at how you can evaluate your customers and enhance your business relationship.

TREAT EVERY CUSTOMER LIKE A PROSPECT

At the beginning of many relation-ships, the tone is fresh, exciting and hopeful. The same can be said of business relationships. It is import-ant that no matter how many times you have done business with your client that you treat them with the same respect, courteous and drive as a prospective client. Loyal customers are the bread and butter of your busi-ness. Don’t treat them as ordinary. While new prospects can be exciting, you don’t want your loyal customers to feel ousted or unappreciated.

TREAT EVERY CLIENT LIKE A LOYAL CUSTOMER

Many companies evaluate their custom-ers based on their needs, their budget and the scope of their project. Whether your client is purchasing $5 worth of services or $5,000, it is so important that you treat each and every one like a loyal

customer. Small projects can lead to big sales over the course of a healthy and flourishing business relationship. It is important to examine the clients’ needs and not treat them differently based on their budget and level of spending.

ASK PROBING QUESTIONS TO UNDERSTAND THE SCOPE OF THE CLIENTS’ NEEDS

If you want to get to the heart of your clients’ issue, you must ask probing questions to understand the full scope and depth of the project. By doing so, you are not only able to get a better understanding of your clients’ needs and expectations but you also have the opportunity to show them that you truly care about the success of their project and the success of your mutual business relationship. Don’t be afraid to ask the hard questions, get a budget going and be open to answer questions that the

client has for you. After all, they are coming to you for your expertise.

DETERMINING WHO THE LOYAL CUSTOMERS ARE

Loyal customers... You can see them a mile away... Or can you? Sometimes your most loyal customers are not that easy to spot. There may be a customer that only uses your services once in a while. That doesn’t mean that they are not loyal. It could just be that they only need your services on an as-needed basis. Don’t treat them any less than a high-paying client that utilizes your services on a frequent basis. A loyal customer who only seeks assistance every once in a while can be just as powerful in spreading the word of your business and positive reputation in providing top quality service to other prospective clients.

Do You Let Your Staff Daydream?

There is a com-mon belief that daydreaming is one of the most non-pro-ductive ways

to spend an afternoon. With so many other things that can be done, daydreaming is often viewed as lazy, distract-ed and a waste of time. There are actually plenty of reasons to let your staff daydream, at least for a little while.

Read on for five reasons why daydreaming actually helps boost employee performance.

REJUVENATES THE BRAIN

A short daydream can actually help rejuvenate your employee’s brain as it gives them a break from the

task at hand. Sitting still and letting your thoughts wander can produce new and brilliant ideas, provides a moment a rest and relax-ation that allows your brain to recharge, and it calms the body and the mind. While a daydream can be viewed as non-productive, it actually does help employee produc-tion in the long run as long as the daydream is limited to a 10-15 minute span.

EVERYONE DESERVES A BREAK

Your employees work hard. While you already provide the legally obligated breaks, there is nothing wrong with allowing them a breather during the mid-morning or mid-afternoon. Doing so can help reduce stress, anxiety and frustration and helps to get employee’s mind in a more productive state for

the rest of the afternoon. Rather than having employ-ees strain themselves in getting to their lunch break, let them know that it is okay to take a 10-15 minute break to gather their thoughts. You may be happy you’ve done so when you watch their productivity improve.

CREATIVE THINKING FLOURISHES

Creative thinking certainly flourishes when the oppor-tunity to daydream presents itself. A quiet break allows employees to gather their thoughts, form ideas, and calmly focus on the tasks that the afternoon will bring. Sometimes it is hard to think clearly with the normal hustle and bustle of the work day, however, a calm and quiet break can help provide some clarity and focus.

Sounds like a not-so-good idea, eh? But this article will show how a relaxed environment can boost your company performance as a whole.

WORKING FOR EXTENDED PERIODS OF TIME IS NOT HEALTHY

It is not healthy to work non-stop for extended periods of time. Eyes strain-ing at a computer screen all day is not conducive to a productive and healthy employee over a long period of time. Allow your employees breaks to rest their eyes when possible so that you can help assure their well being.

To dream or not to dream

21

MANAGING

22

ORLIE OCHOA

Ochoa put his people first, instead of working for profit from the very beginning, he strived to develop the infrastructure and caring work environment

COVER STORY

23

INVESTMENTS

McAllen, TX – April 23, 2014 - Having a vision and assembling a team to bring that concept to life is the first step in creating a successful business venture. Orlie Ochoa, owner and operator of

McAllen Bar-B-Cutie, not only envisioned his dream but through orchestrated pursuit has become a successful entrepreneur.

Rather than focusing on financial returns at start-up, Orlie put his energy into constructing a solid business based on VISION, PEOPLE, QUALITY & CUSTOMER SERVICE, SALES & BRAND AWARENESS, and FINANCIAL RETURN (IN THIS EXACT ORDER!!!). “A good VISION”, Orlie says, “is crucial to making any business successful. Great PEOPLE, positioned in the right job, are vital to successful day-to-day operations. Once the proper people are in place, exceptional CUSTOMER SERVICE is attainable. Then, you can work on your SALES which will lead to BRANDING. ‘Never market your store on bad brisket.’ After the business is forged using those solid posts, FINANCIAL RETURNS will follow. The biggest mistake a business owner can make is going into business focusing primarily on financial returns before any of the infrastructures of his business has been fabricated,” finishes Orlie.

FINDS THE PERFECT INGREDIENTS

TO A

SUCCESSFUL

BUSINESS

A successful entrepreneur of a successful venture, Orlie Ochoa

shares his success story with us. See how his business flourished.

Orlie holds to the belief that your business and the employees are a reflection of yourself, and if you make people a key value in your company, your team will follow suit. “People are my true passion,” states Orlie. Each and every person Orlie comes into contact with can sense the care he has for people. People can change the world, and one of Orlie’s greatest pleasures is the fact the he can make a difference to someone. “The greatest feeling is seeing an employee you hired blossom right in front of your eyes. He or she could become a manager in your business, or they used you and your business as a stepping stone. The reward is awesome. At the end of the day you can sit back and say,’ Man, I actually developed someone who can go out on their own and run a restaurant themselves or run someone else’s restaurant! It’s the greatest feeling in the world!!” says Orlie.

If you expect your team to work hard, you have to live by example. Orlie says one of his biggest challeng-es is walking the line of working hard IN his business and working hard ON his business. There is no great-er motivation to employees than to see their leader working down in the trenches alongside with them and yet you also have to spend time making sure business operations are managed superiorly. “I try to balance my time on both ends,” remarks Orlie, “but it’s a balancing act that I will always be perfecting.”


STRATEGY

Is the Customer Always Right?Let’s face it! We always have that one (read few)

customer who is never happy and constantly complaining. How to handle these ‘nice’ folks?

It is often said in business, “The customer is always right.” How true is this statement? Is the cus-tomer truly always right, or is this a concept that some professionals

have misunderstood? Many people have pondered these very questions before and it is for good reason. Professionals that assist customers and the public in general will come face to face at some point with a disgruntled customer. This customer will likely call into judgment the services he or she received and the

reason why they are so upset. Are they right even if they are indeed factually incorrect? Read on as we take a look and explore this topic at length and deter-mine, “Is the customer always right?”

IT’S NOT ABOUT BEING RIGHT OR WRONG

The premise behind the quote, “The customer is always right,” is actually not about being factually correct or the customer being infallible. “The

customer is always right,” is a slogan that points out that it is not the sales persons’ job to prove the customer wrong, but to help the customer work through their issues. It is not about the customer getting their way all the time. There are business rules set in place, and just because a customer complains, it doesn’t mean that the rules of the company will be flexed. “The customer is always right,” is a quote that may be shared if an associate has a less than civil attitude. Keep in mind that the cus-tomer does not need to spend their hard earned money at your store, and could easily go elsewhere. No matter what the customers’ tone is, remain civil, pleasant and courteous.

THE POWER OF COMPROMISE

Being able to compromise with an upset client is a huge attribute to your success as a professional sales associate. A good response to a disgruntled customer is to reply, “I am sorry that you had a nega-tive experience with us and I would like to assist you in remedying that in the fu-ture. If you could provide me some key information, I am certain that I can help you resolve this issue.” If the customer asks you to break company rules simply reply, “I certainly understand your frustration and I apologize for any in-convenience this has caused you. While I cannot refund you in cash due to cor-porate guidelines, I can provide you with a store credit for the amount that you paid with your original gift card.”

THE BOTTOM LINE AND THE ANSWER TO THE QUESTION

The bottom line is simple. No, customers are not always right in the factual sense of the word. It is best for professionals to meet upset clients in the middle rath-er than attempting to argue over rules and procedures with the client. Always show your clients the utmost respect and try to compromise with them. Meet them on level ground and assure them that the success of their transactions with your company are a top priority. Often, customer issues can be worked out with a calm demeanor and a flexible business-minded attitude.

MANAGING


10

Effective meetings are a crucial part of business. A smooth business meeting can mean the difference between sealing a deal and losing an important business contact. Luck-

ily, there are strategic measures that you can implement that can help the odds swing in your favor in your own business meetings. Read on for a look at ten characteristics of effective meetings and try to enforce some of these handy suggestions in your next meeting.

BE PROMPTWhen holding a meeting, it is vital that you are prompt and on-time. Do not keep your client or colleague waiting for you to show up or get the meeting started. By showing that you respect your attendee’s time, you help set the tone for the meet-ing and get things started on the right foot. In addition, do your best not to go over the allotted time for the meeting.

BE PREPAREDMaking sure that your laptop is booted up and your projector is fully functional is an important part of hosting a meet-ing. It is important that you take care of this before your meeting start time so that you do not keep your clients and colleagues waiting. In addition, by setting up your equipment prior to your meeting, you are helping to keep your meeting concise and present a profes-sional and prepared image.

DRESS THE PART Would you show up to your wedding in a jogging suit? I didn’t think so. The same rule applies to business meet-ings. Do not show up to an important business meeting on casual Friday wearing a t-shirt and jeans. Even if the rest of the company can wear denim, you should opt for a handsome suit or a chic blouse with a pencil skirt. This ensures that you fit the image of a pol-ished professional.

BE OPEN TO QUESTIONSMake sure that you allow time for ques-tions at your meetings. Be friendly and open, and talk your clients through any concerns they may have.

RESPECT YOUR CLIENT’S TIMEIt is so important to show your clients that you respect their time. It is not appropriate to cancel a meeting after it has already begun, or reschedule a meeting multiple times. In addition, it is crucial that your meetings are timely and adhere to a strict schedule so you do not go over the allotted time.

OFFER CLEAR AND CONCISE INFORMATIONBy ensuring the information you are pre-senting in meetings is clear and concise, you are helping to educate your audi-ence. By communicating effectively, you are helping to defuse any miscommuni-cations, misconceptions or confusion on topics discussed in your meeting.

OFFER RESPECTFUL COMMUNICATIONCommunicate with a respectful tone of voice. Speak with a tone of authority so your audience can have assurance that you are confident with the information being presented, but don’t forget to be friendly. Showing a lighthearted side of your personality in your meetings can keep associates engaged and make you seem more approachable.

REMEMBER: COOPERATION NOT COMPETITIONIf you are in a meeting with other colleagues or potentially someone who works for the competition, keep in mind when you are in a professional meeting space, try to be collaborative and coop-erative, but never competitive. Nothing is less productive than a meeting that essentially becomes a popularity contest. Keep your ego out of the picture, and go in with an open mind.

DETAIL THE NEXT STEPSMake sure you recap your audience with what the next steps will be. Do you need to schedule another meeting? Let your audience know so they can be prepared.

OFFER A TAKEAWAYDon’t forget to offer a take away. Is there an important message that you wish to convey? A call to action? Tell your audience. This can be a great high note to end your meeting on.

Characteristics of Effective Meetings


STRATEGY

29

STRATEGY

Communica-tion. It is the way we pass on informa-tion to other people. There

are many ways to do this. We can hold a conversation face to face, send an email with detailed instructions, pick up the phone and chat or write a hand-written letter. Anyone can communicate, but often, misunderstandings can arise from ineffective communica-tion. Fortunately, there are ways to enhance your effec-tiveness when talking and send text communications. Read on for a look at six steps of effective communication.

SPEAK CLEARLYOne of the most important aspects of communicating effec-tive is to speak clearly. Speak in a voice that can easily be heard, avoid jargon and in-house business ac-ronyms when you are speaking to a mixed audience, and always make sure that you are clear on the topic you are speaking about. If it appears that some people may have misunderstood you meaning, don’t

be afraid to explain further and clear up the

issue at hand.

BODY LANGUAGEBody language can say a lot without you having to utter a word. Sit up straight in your chair, allow the stress of the day to roll off your shoulders and remind yourself to smile. A business partner could get the wrong impression from you if your body language is perceived as negative or agitated. Keep control of your facial expressions, because your face could be saying one thing while you are saying something different. You always want to make sure that your body language matches your intended tone and message.

SPEAK AT A MODERATE TEMPOThere are some people that just naturally talk fast. There is nothing wrong with that, per se, but when you are communicating with others, it is best to slow your prose. To ensure that your audience understands your message and the information that you are relaying, make sure that you speak in a semi-loud voice at a moderate tempo. This tempo should not be too fast where people cannot fol-low along, or too slow where your audience feels as if you are being condescending.

CONSIDER YOUR AUDIENCEWhen you are communicat-ing with others, it is import-ant that you consider your audience. If you are speaking with a group of colleagues on the same professional echelon, it is okay to use ter-minology that they would un-derstand. If, however, you are speaking with a mixed group of individuals, it is important that you gear the knowledge being provided to everyone in the room. It is not a matter of changing your tone, but the way you deliver your mes-sage. There are always ways to simplify overly technical documents, emails, training implementation manuals and speeches.

CLEAR AND CONCISE TEXT COMMUNICATIONS If you are planning on send-ing an email about an import-ant issue, it is crucial that your text is clear and concise. Emails should get straight to the point. Business emails are no place for passive voice writing. After your greeting, the first sentence should identify the purpose of your email. If you find that the email is especially long, you may want to consider picking up the telephone and holding a meeting instead, so that you can be certain that your message and information was well-received.

THE WRAP UPWrapping up your text or conversation is an efficient way to ensure that your audience fully understands everything that was dis-cussed. Recap your conversa-tion briefly so that you both can be on the same page. This is a great way to reduce any miscommunications or misunderstandings before it can become a hot issue.

STEPS OF EFFECTIVE COMMUNICATION6

Anyone can communicate, but often, misunderstandings can arise from ineffective communication


INSURANCE

Two key risks today are the risk to property and the risk to people.

As the Small Business Ad-ministration (SBA) points out, “Material losses to a business can usually be repaired or replaced. Loss through death is always total and only people can replace people.”1

Life insurance2 on key employees may be more important now than ever before. Today’s companies run on people, not just ma-chines. Intellectual capital powers business, and the loss of a key person could spell disaster for your com-pany. While many compa-nies will spend a great deal to insure against fire, often they overlook or minimize the risk of losing a key employee.

Surviving the loss of a key employee. Business Life Solutions has products that can help you manage the loss of a key person.

Who are the key people in your company? They are the ones with spe-cial training, sales prowess or leadership charisma that keeps you competitive.

They represent the back-bone of your company. If you see a letter of resigna-tion sitting on your desk, you hope it’s not from one of them. Whether that person embodies a techni-cal advantage, a leadership advantage or sales advan-tage, life insurance on key people can help protect your business from an expected or unexpected loss. Accord-ing to the Small Business Administration (SBA), “Life insurance is the most eco-nomical and cost effective means of providing cash because, during life the cash value constitutes an increas-ingly liquid tax-advantaged3 reserve available to help meet financial needs of the business, and at death, the full proceeds are immediate-ly available.”4

These proceeds can help fund the transition for a

Key Peoplepolicy loans for sudden emergencies or unexpected opportunities • Bolster the credit standing of a company • Serve as collateral for con-fidential policy loans, at a guaranteed rate, that do not appear on credit reports for the business • Provide funds that the company could use to help supplement the insured employee’s retirement • Serve as an incentive for the employee to stay with the company • Provide policy cash value should the employee leave the company.

Manage the risk of losing one of your greatest assets — your key people.

1. Publication MP-20, Insurance Options for Business Continuation, U.S. Small Business Administration 2. Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, Washington 98040. 3. This material is for general informational purposes only and is not legal or tax advice. The material may not reflect

your particular circumstances. Neither Farmers Insurance nor any of its agents, employees, or registered representa-tives is authorized to provide tax or legal advice. Please consult your tax or legal advisors for advice specific to your situation. Carefully read the contract prior to purchasing any life insurance or annuities. This material presents our general understanding of current law, as tax laws and IRS administrative positions may change. This material is not intended to, and cannot be used to avoid any Internal Revenue Service penalties.

4. Publication MP-20, Insurance Options for Business Continuation, U.S. Small Business Administration 5. Policy loans and withdrawals will reduce cash value and death benefit. Policy loans are subject to interest charges. If

your policy is a modified endowment contract, loans and withdrawals may be subject to taxes and penalties.

Jose M Davila

Farmers Agent

956-683-0500

[email protected]

www.farmersagent.com/jdavila

3000 N. McColl Ste. A1,

Mcallen, TX 78501

For more information please

contact

new person to take over the position and help offset loss of revenue in the meantime. Whether it’s a loss of sales contacts, leadership, or tech-nical expertise, life insur-ance on key employees can help your company weather the financial consequences of an unexpected loss.

DETERMINING YOUR NEED—PERMANENT INSURANCE OR TERM INSURANCE? The business advantage of permanent insurance While many people asso-ciate term insurance with coverage on key people, a more permanent type of insurance may be the better solution. The prima-ry purpose of insuring the lives of key employees is to indemnify the business for the loss of an employee; but with permanent insurance, the policy may deliver other business advantages.

Permanent life insurance may help: • Provide funds5 through

31

INVESTMENTS


COMMUNITY

INTEGRACLAIMIntegraClaim offers policyholders in IntegraClaim, Texas a better way to settle their insurance claims. Rather than blindly accepting your insur-ance company’s word for it and po-tentially settling for less than you’re entitled to receive, let IntegraClaim review – and maximize – your claim.

RIBBON CUTTINGS

COMO EN CASAComo En Casa is a 100% Authentic Mex-ican restaurant. They serve breakfast and traditional Mexican plates. If your preference is not on the menu they will prepare it for you as you wish. Como En Casa is a nice and friendly place where they make you feel at home with deliciously home cooked meals. Not only is this a restaurant but it has room for banquets and events alike. So book your party today!

DR. ARTURO J. LOPEZLopez Dental Care’s vision is to help families in the Valley live happier and healthier lives by providing the most personalized, most afford-able and best quality dental care in the timeliest manner possible. Their primary objective is to assist their patients in achieving opti-mum oral health, and their Preventive Care Services are geared to help you keep smiling for years to come…

ZENZA STUDIOS Get Active. Stay Healthy at Zenza! In addition to Whole Body Vibra-tion,Zenza Studios offer members: Infrared Sauna Therapy, free ionized al-kaline water, Himalayan Salt lamp benefits, and monthly measurement products.Zenza, the newest innova-tion in health and fitness

33

COMMUNITY

IBC BANK- SHARY IBC’s successes have come as a result of an aggressive and innovative attitude to “Do More” for their customers and com-munities. This philosophy of investing time and resources does not end in the development of products and services. They encourage their 3,700 employees and officers to serve on boards and to volunteer in civic groups and charita-ble organizations supporting the arts, education, neighborhood revitalization programs, economic development, medi-cal research and many other causes.

FROST BANK Everyone is significant, and

at Frost, they treat them that way. They give their

customers a square deal and keep their assets safe and sound. These beliefs have

guided Frost from the very beginning and served their customers well since 1868. At Frost, they are proud of

their heritage, and for good reason: they have been serv-ing Texans almost as long as Texas has been a state. They are from here, and have al-

ways played an active role in the communities they serve.

MOLCASMolca’s Restaurant has the best Mexican dining and cuisine. They serve traditional Mexican plates with outstanding customer service. It is a nice and friendly place where they make you feel at home with deli-ciously home cooked meals.

BODY WORKS ULTRA LIPO

CLINICBody Works Ultra Lipo

Clinic-Sharyland is the Rio Grande Valleys

newest and safest alter-native to Liposuction & Botox! They have great clinical results & inter-

national award win-ning experience with

their certified staff and are pleased to now be

open and servicing The Rio Grande Valley.


LIFESTYLE

ABOUT US:AEROMAR is the most expe-rienced Mexican airline with more than 26 years of expe-rience, continuously offering services since 1987. Our main area of operations is located in Terminal 2 of the International Airport of Mexico City.We have a network of 22 des-tinations, carrying out more than 100 flights a day.We provide our passengers with high quality care; as well as itineraries and services that will suit their every need.

MISSION STATEMENT:Aeromar’s mission is to optimize our customer’s time by providing on- time and quality services, as well as safe flights. In order to best serve our shareholders and employees we focus on remaining profitable and financially stable.

VISION: Aeromar’s vision is to be the number one preferred Mexican airline and be recognized as a leader in safety, punctuality and great customer service. Our company policy is based on high customer satisfaction and great quality of work.

OUR FLOAT:3 Aircraft Jet CRJ200LR with 50 leather seats.

AEROMAR IS THE ONLY AIRLINE WITH DIRECT FLIGHTS TO MÉXICO

CITY OUT OF MCALLEN, TEXAS

14 ATR- 42 twin- turboprop with 46 and 50 leather seats. 2 ATR- 72 600 twin- turbo-prop, new generation with 68 seats.

AGREEMENTS WITH LEADER AIRLINES WORLDWIDE:•Air France•Alaska Airlines•American Airlines•Delta Airlines•Hahn Air•KLM•Copa Airlines•Grupo LAN•Lufthansa•United Airlines•US Airways•TAM•Avianca (Q1 2013)•Iberia (Q2 2013)•British Airways (Q2 2013)•Heli Air Monaco (Q2 2013)

FLIGHTS OPERATED IN SHARED CODE:UNITEDAEROMEXICO

Customers that are affiliated with any of the programs listed below can earn and redeem miles on all flights operated by Aeromar.Mileage PlusThrough Check-Ine-Ticket Interline

AWARDS:DGACIOSAFAA

PRODUCTS AND SERVICES:Diamond LoungeOur passengers have access to our exclusive Diamond lounge, where they can sit back and relax before board-ing their flight.

EARLY CHECK- INOur passengers can check- in at least 45 minutes prior to departure.

WEB CHECK- INOur passengers can check- in online anywhere from 24 hours up to 2 hours before their scheduled flight.

CHANGES AT NO CHARGEOur passengers can change their return flight for the same day at no extra charge.

AIR+ HOTEL PACKAGESPackages are available to all of our destinations. Check Aeromar.com.mx for more information.

CORPORATECorporate air rates com-prehensively address our customer’s needs during travel for large and small businesses alike.Air Corporate rates offer attractive benefits and great savings for all your business travels: Private Rates Discounts

Changes at no extra cost Coupons

AEROMAR CARGO SERVICESAeromar transportation services make it easy to transport your packages into Mexico. Our services include:General ShipmentsPerishable Items Live Animals

CHARTER SERVICES We offer exclusive charter flights (VIP flights) with spe-cial rates, to better suit the needs of our customers.

GROUPS, MEETINGS, AND CONFERENCESWe offer special rates and group benefits for groups of 10 or more passengers.

TICKET SALES:U.S. online booking at www.aeromar.us

U.S. toll- free number: 1-855-AEROMAR (237-6627)

Our packages are also available via U.S. travel agencies including Ex-pedia and Orbitz.

Aeromar offers direct flights to Mexico City and San Luis Potosi out of McAllen and Austin, Texas.


REAL ESTATE

6 WAYS TO EVALUATE A CONTRACTOR’S SERVICE

AND REPUTATION

You probably don’t have to think back too far to remember a time when you, or some friend or family member, regrettably hired the wrong contractor.

Why? Most likely because you did not ask the type of questions you need to ask to en-sure you hire the right contractor. Asking questions makes the right contractor stand out from the rest of the crowd.

You may not always make the best decision asking questions, but you most definitely improve your chances of having a job well done, if you do ask.

What do I ask, you may be thinking? Start with these six simple questions and make a list of others that you may think of before making your final choice of choosing a contractor.1. How long have you been in business?2. Are you a member of any profession-al organizations?3. Can I see some of your recent com-pleted projects?4. Can I talk to some of your custom-ers, vendors, & suppliers?5. What type of insurance coverage do you carry?6. How do you handle callbacks and service calls?

The answers to these questions will vary from one contractor to another and may need to be followed up with some additional questions or small discussion to allow you an opportunity to make the right choice.

Make more informed choices and get better results now in hiring the right contractor, simply by asking the right questions.

Don’t make the mistake of hiring the wrong contractor. Here’s a checklist for you that will help you hire the right folks for the right job!

37

INVESTMENTS

Committed to Building on a Foundation of Trust, Innovation, and Service.

Experience the Rilemar

Difference

“For by grace are ye saved through faith…” Ephesians 2:8-9

956-648-4093 www.RilemarCustomHomes.com

/RilemarCustomHomes

@RilemarHomes


INVESTMENTS


ENVIRONMENT

Going green... We’ve all heard the term before. Whether you’re stepping up

your recycle habits, opting for ecologically friendly light bulbs or solar panel rooftops, or installing energy efficient windows and doors, many people are going green in today’s day and age. There are many things that you can do to become more eco-con-scious and some businesses are taking that to heart. There are many different measures that companies can implement to help their company and their employ-ees work more efficiently and go green. Read on for a look at more on working green and how you can implement eco-friendly mea-sures in your workplace.

printing less and less, and therefore wasting much less paper than in previous years.

ENERGY EFFICIENT LIGHT BULBS

Energy efficient light bulbs can not only reduce your overall electric bill, but they can also reduce your usage in a big way as well. Some light bulbs were taken off the shelf in recent years for not being energy efficient and as a result many stores and retailers are pushing for consumers to purchase energy efficient bulbs. These bulbs are a bit more expen-sive than your standard halo-gen bulbs, but the benefits it offers is well worth the cost for many people.

THE BOTTOM LINE

Many companies are now going green and they are benefitting in big ways. By implanting recycling bins for paper, metal cans and bottles, companies can help their employees become more earth-friendly and these practices may carry over into their home life as well. Eco-conscious measures can also reduce spending on paper and toner for print-ers since paperless offices’ use so little. There is less waste involved with a green company, and companies can be great influencers in the community by encouraging their associates to adopt a more ecologically friendly lifestyle. Going green is easy, especially in the workplace.

IN-HOUSE RECYCLING REQUIREMENTS AND PROCEDURES

Many companies enforce strict recycling rules that employees have to follow in-house. Measures include recycling all papers instead of throwing it out, collecting cans and bottles in kitchens and cafeteria areas, and even using recyclable materials such as plates, cups and dishes to serve food off of. By enforcing recycling rules, companies can help reduce the overall footprint on the earth and help to improve the earth’s health, too. In addi-tion to keeping a trash can at employee desks, many compa-nies are now also including a recycle bin to make recycling even easier for associates. Oth-

Let’s reduce our carbon footprint and work together for a greener, better world. Here’s how we can go green.

WORKING GREEN

er measures include installing “shred bins” which collects used paper and shreds it into fine pieces that will be used to make new, recycled paper.

GO PAPERLESS

One of the best ways that companies can go green and live a more eco-friendly life-style is to go paperless. Many companies are implanting paper free office spaces and providing associates with the resources and equipment to work online on a computer, rather than using paper resources. Companies use an exorbitant amount of paper with printing emails, training manuals, reference documents and more. By implanting a paperless work environment, companies are


Markets Commentary

The remainder of the year will see the economic landscape continuing to evolve with volatility becoming an ever present theme. There continues to be good news behind the newspaper headlines, and cable news sound bytes. The Gross Domestic

Product per person in the United States has grown to about $51,000 per person [1], making The United States of America one of the most efficient producers of goods and services in the world, and one of the most productive and profitable plac-es in the world in which to put money to work. By compari-son, Russia only produces about $14,000 per person, Mexico $9,000, and China a meager $6,000 per person. The United States Economy has grown to $16 trillion, roughly equal to all of the European Union countries combined. If you add the two next largest economies together, China and Japan, they are still less than the USA. However, the National Debt has also exceeded $16 trillion, as has private debt, at about $17 trillion [2]. The Bipartisan Budget Act of 2013, a deal struck in Decem-ber 2013, provides $23 billion in savings but does not reduce the debt, and only slows the growth of the debt by about 1/3 of 1%. About 58% of Americans over age 16 are employed, which is down from 63% in 2007.

Much of the productivity is found in small business owners. As of the last census release, the top 5% of taxpayers earned an average $167,728, received about 34% of all income, and paid 57% of all federal income taxes. The top 1% earned $388,905, received 19% of all income, and paid 35% of all federal income taxes. American productivity is so extraordi-nary that the consumption of raw materials used to produce this output of goods and services has not changed since 1955, even though our output is more than a thousand times greater*. That means 100% of the increase in GDP in the last half century is the result of ideas [3]. American innovation has fueled our growth. If the trend continues, the next half century may be even better.

What will be different is that the government will be taking a larger share of the pie. The national debt, the doubling of Medicare spending in the last decade, 4 of the 5 largest mu-nicipal bankruptcies in history in the past 28 months, aging boomers, and expanding entitlements will create a massive need for cash from us.

OPTIMISM & PLANNING-THEMES FOR 2014—Optimism about America’s future, and careful deliberate planning regarding tax-es and retirement will be dominant themes for 2014. Cautious optimism appears to be an appropriate outlook for the long term US Economy, while perma-bears may be left out in the cold. Deliberate and careful planning will be needed to mini-mize unnecessary tax burdens. Businesses and families should consider utilizing every tool at their disposal to find the most tax efficient purpose for every dollar. As an example, new Re-tirement Plan Rules, Health Savings Accounts, Welfare Benefit Plans, and new rules for Flexible Spending accounts may save thousands in taxes on health expenditures that you are already making every year with after tax dollars. By proper utilization of tax planning, and benefit and retirement plans, it is possi-ble for family’s to save or defer millions in taxes over a career. Your advisor should have the resources to help you make in-formed decisions regarding remodeling your existing tax plan, and retirement and benefit plans, or starting new ones. To learn more, click on www.OxfordAssetManagement.net.

If you have questions regarding any of the topics discussed, feel free to email me at [email protected]. Make it a great future.

http://pubs.usgs.gov/annrev/ar-23-107/aerdocnew.pdf https://www.cia.gov/library/publications/the-world-factbook/fields/2195.html Alan Greenspan, The Age of Turbulence, Greenspan, published by Penguin Press, September 17, 2007


INSURANCE

Who Needs Life Insurance?

It’s an important ques-tion to consider. If your death would create a financial hardship for others, whether they be

your spouse, and/or children, a business partner, or your elderly parents, then it’s you. You need life insurance. Most of us prefer not to think about our own death, but we all know it’s a part of the cycle of life. It may be that you will live into your seven-ties or eighties, or even your nineties and beyond, but of course, there are no guaran-tees. We are assured of two moments: this moment that we are living right now, and the moment of our death.

When you die, money may be needed for a variety of things, such as unpaid medical expenses if your death was the result of illness or an ac-cident. Final expenses will be incurred for the disposition of remains, whether you are cremated, buried, or choose a non-conventional disposition, such as having your ashes scattered over a special place.

If you are survived by younger children, their living expenses will need to be pro-vided for, and funds for their education will need to be set up. The surviving parent/spouse will be greatly assisted if you have made arrange-ments for an income for a transitional period of at least a few years while they posi-tion themselves to do without the income that you provided while you were alive.

As a business owner, you also want to consider the impact of your death on your business and on the people that are in business with you. Is your business positioned to survive without you? Are your business partners equipped with the skills and know-how to keep things running smoothly? Are there aspects of your business that only you have knowledge of that would suffer if you were suddenly incapacitat-

ed? What else needs to be modified to ensure that your business will continue to thrive beyond your lifetime?

Your parents did the best that they could for you when you were growing up, and you have honored them by being supportive during their waning years. Obviously, your death would impact them emotionally. That is unavoid-able. What about financially? If you have regularly given

them financial support to supplement their limited in-come, how will they manage without that support once you are gone? And if you have not provided for your final expenses, will they be able to deal with the stress of that responsibility?

These are just a few of the areas to be considered when you are assessing the finan-cial impact of your future death and seeking solutions to address those needs. As a successful business own-er, you are accustomed to planning ahead by ordering inventory or hiring and training additional staff for your peak seasons. If look-ing into life insurance is not already on your priorities list, you probably should consider adding it.

We know that we are assured of two moments: this mo-ment that we are living right now, and the moment of our death. One of those moments is the optimal time to take action and get life insurance. The other one… is too late.

Ever wonder if the tiny bity portion that come out of your paycheck is worth sacrificing for life insurance? See if you really need one.

Jose Orona

(210) 823-1744

8000 IH W STE 600

San Antonio, TX 78230

49

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