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March, 2014
VOLUME 53, ISSUE 3
2014 Board of Directors
President
Richard Hochschild American Weathermakers 847-847-498-2800
Ex-Vice President Rene Heynssens Heynssens + Grassman, Inc. 847-360-0440 Treasurer Richard Perlin E.R.I.S.A., Inc. 847-583-2264 Secretary Don Johanson Johanson Decorating Svs 847-577-6900 V.P. Membership Dean George Matrix Payment System 847-310-0455 V.P. Business Development Jerry Mayster Mayster & Chaimson 312-444-9648 V.P. Programs
Edie Jerome Metro Mortgage Services
847-853-7150
Past-President Ira Chislof Chislof Chiropractic Center 847-588-0800
Directors at Large
Steve Lewis Lewis Floor & Home
847-835-2400
Patty Petersen Viking Concrete Raising/Repair
847‐808‐7400
Joy Schaffer Home Helpers of NE, IL
847‐685‐0593
www.theexecutivesguild.org
Meeting Date, Time & Location
March 26, 2014
6:00 pm—Networking ‐ 7:00—Dinner & Presentation
The Glenview House
1843 Glenview Rd., Glenview, IL
847‐724‐0692
Morry Dyner, Fischel & Kahn
Presenting: Information on Powers of Attorney for Property, Healthcare, Living Will Declarations and Do Not Resuscitate
information, their individual significance and interrelationship.
Jerrold Mayster, Mayster & Chaimson
Presenting: Information on Real Estate Tax Assessments. He will talk about contesting real estate tax assessments, which results in
lower tax bills, in Cook and Collar Counties.
Please RSVP via e-mail for this meeting.
Dinner Food Choices on the last page of the newsletter.
March 26 Mayster & Chaimson & Fischel & Kahn Glenview House
April 23 Chicago Messenger Glenview House
May 28 Pine Roofing TBD
June 25 North Suburban Hearing TBD
July 23 New Members Presentation & Golf Outing ‐ TBD
August 27 Signs for Success Marcello’s North
September 17 Special Program TBD
October 22 Square One Productions TBD
November 19 Rite Lock & Safe (newly remodeled showroom)‐ TBD
December 17 Holiday Party & Installation Dinner TBD
2014 General Meeting Calendar
Page 2 To participate in a program contact the V.P. of Programs, Edie Jerome, 847-853-7150
“From the time I had my daughter in 1986 until 1989 I experienced severe headaches almost every day. It felt as though someone was trying to pry the back of my skull open. I tried medical treatment but nothing worked. All I could do was to go home and go to bed in complete silence and darkness.
“My employer finally ‘ordered’ me to see his chiropractor. I went (skeptically) and the most miraculous thing happened. I went for 2 days, 3, 4, 5 days without a headache!
“From that point forward, I wanted to learn as much as I could about chiropractic and share it with as many people as possible.
“I pleaded with my chiropractor for a job and was hired by him as a secretary. I eventually began delivering health classes to spread the word about the miracles of chiropractic!
“Here I am, ten years later, doing what I love the most, with the best source in making chiropractic the #1 health care choice, David Singer Enterprises! Much love to all of you and your contribution to this life-saving profession.
“Oh, and I almost forgot to mention, my headaches are completely gone!” Felicia K. Strysick, patient
MY HEADACHES ARE GONE!
Submitted by Dr. Ira Chislof,
Chislof Chiropractic & Wellness Center
847‐588‐0800 ‐ [email protected]
* TBD—Meeting locations are being investigated and will be posted as chosen. Suggestions welcomed.
At the March 12th Board Meeting the following applicants
we voted in as Members of EGL. Take a moment to call
or email them a big welcome.
Category: Corporate Branding
Company: L. Stern Associates
Contact: Les Stern
Address: 3402 Prestwick Lane
Northbrook, IL 60062
Phone: 847-205-1936
Email: [email protected]
Category: Corporate Communications
Company: Lynne Franklin Wordsmith
Contact: Lynne Franklin
Address: 2019 Glenview Road
Glenview, IL 60025
Phone: 847-729-5716
Email: [email protected]
Page 3 VOLUME 53, ISSUE 2
When most people plan for retirement they think about saving and investing so they have a large nest egg to draw upon once they stop working. Investing is certainly important, but it is not the whole story. A secure retirement demands more than just a well‐funded investment account. Here are five essential components of any retirement plan.
Significant savings. Every retirement plan should include a nest egg from which you draw money for your needs throughout retirement. You will want to focus on growth while you are planning your retirement and shift your focus toward preservation of funds as you draw nearer to your retirement date. Some great vehicles for saving and investing for retirement include employer‐sponsored retirement plans, such as a 401(k) or 403(b), and equivalent self‐directed investments, such as a Roth IRA. Also consider individual investments with an online discount brokerage, mutual fund company, or other investment service.
Multiple sources of income. Income is one of the most overlooked elements of a retirement plan. Many people focus on retirement savings, but a continued income stream can make your nest egg last much longer and delay your need to tap into it. Some sources of retirement income can include Social Security benefits, a pension, real estate income, investment dividends, part‐time work, and other ventures.
Risk management. Once you accumulate wealth you need to protect it. Insurance is generally the best way to do this. Most people have homeowner’s insurance and health insurance. As you approach retirement you need to think about life insurance and long‐term care insurance. When determining your life insurance needs, don't forget to factor in potential lost income, how much it would take to eliminate your debts, and your spouse's life expectancy.
An estate plan. A good estate plan could settle your estate in a matter of weeks, compared to a drawn out process that could take months or even years. If you have large and complex assets it is worth investing the time and money to
use a professional estate planner.
A professional adviser. You may also want to have a professional adviser for a variety of other needs including insurance, investing, health care, and more. It never hurts to have a second opinion when planning one of the most important stages of your life.
Your Executive Guild offers you people to service all of your essential needs:
Karen DeRose – Financial Planning
Morry Dyner – Estate Planning
Ken Fox – Money Management and Investing
Randy Sable – Health Insurance, Life Insurance and Long Term Care Insurance
I have also achieved the designation as a Certified Retirement Coach and may assist people approaching retirement as to how to think about and deal with the transition. If Marcy Gelber and I got together, we would undoubtedly conclude that people spend more time preparing for a 2 week vacation, that they do preparing for retirement.
Please open up your Outlook file and have those approaching retirement reach out to me, or any of us to assist in preparing for retirement.
Randy Sable
Total Benefit Services
2809 Central St.
Evanston, IL 60201
847‐905‐1915 Direct Phone
847‐905‐1917 Direct Fax
847‐853‐8800 General Phone
847‐853‐8209 General Fax
Retirement Plan
Retirement planning calls for more than just a well‐funded investment account.
Submitted by Randy Sable, Total Benefit Services
Page 4 VOLUME 53, ISSUE 3
American Chartered can handle all your remittance needs with our
Lockbox Processing System. The system is capable of handling both
wholesale and retail lockbox payments in a one‐pass, common
platform environment.
With our Lockbox Processing System, you’ll be able to:
• Expedite cash collection
• Reduce administrative costs
• Enhance audit controls
• Accelerate A/R postings
• Improve customer service
• Post A/R payments automatically
• Make informed credit decisions
• More accurately forecast cash balances
Along with standard remittance processing, our Lockbox Processing
System allows you to access critical account receivable (A/R)
information via the Internet on the same day your lockbox is
processed. We’re also able to capture A/R posting information, such
as invoice number and/or customer number through a process
called Deferred Data Entry, and send it to you through e‐mail in a
file format compatible with your A/R system. (If you’re unable to
process an electronic file, we can fax or e‐mail you a pay list with
remittance information on a daily basis.)
Our system also captures images of checks and coupons to an
indexed CD‐ROM, helping to minimize research time while freeing
up valuable physical storage space.
To enroll or learn more, please Michael Moran at 847.418.3226
today.
Positive Pay and ACH Debit Block are the best safeguards available today.
As a result of legislation enacted in the 1990s, if corporate controls
are deemed inadequate, the company will share in, and in some
cases assume sole responsibility for any losses as a result of check‐
related fraud. While there is no single solution to this type of fraud,
Positive Pay and ACH Debit Block are the best safeguards available
today.
With Positive Pay you supply the bank with issued check
information as often as checks are issued. We then perform a daily
reconcilement of checks presented for payment against your
account with those issued. When checks are presented for payment
in which pertinent information (i.e., check number and dollar
amount) does not match that of the checks you have issued, you
have the option to determine whether the checks are legitimate and
should be paid or forged and should be returned to the bank of first
deposit. Decisions to pay or return checks are made via the Internet.
Placing an ACH Debit Block on your account(s) prevents
unauthorized ACH debits from posting to your account. In addition,
we have the capability to allow certain ACH debits (e.g., payroll,
recurring payments) to post as long as they are identified ahead of
time.
Michael Moran American Chartered Bank Senior VP, Commercial Banking
1090 Willow Road Northbrook, IL 60062 Phone: (847) 418‐3226 Mobile: (773) 213‐7969
[email protected] Loan Originator Identifier: 631899
Complete Lockbox Processing
Page 5 VOLUME 53, ISSUE 3
Windows XP –
Into the Final Countdown
Some people just can’t let go. It is estimated that 25% of the computers still in use are running Windows XP. It has been around for over 12 years. There have been three Windows operating systems since its inception. And yet it continues to hang in there. But now the end is less than a month away.
The number one thing you need to do to protect your Windows computers it to keep it current with Microsoft monthly security patches. That last patch for XP was just released on March 11th. NO MORE SECURITY PATCHES. That means come the next Patch Tuesday, 4/8/14, you will see no more patches. Here is why this is significant.
When Microsoft releases patches, it is announcing to the world “Here are our weaknesses but we are attempting to fix them.” Often a weakness in one operating system is also a weakness in an earlier operating system. That means a patch for Vista or Windows 7 is also a weakness in Windows XP. But guess what, there are no more patches for XP; it is left vulnerable and Microsoft just announced to cyber criminals a way to get you. Thank you Microsoft. And you can be sure the cyber criminals are waiting and will take advantage of this. There is big money in cyber crime.
And Microsoft does not think there have been enough warning about this so in the March patches, they included a download that will remind you to get off XP. Just what you need, another annoying pop‐up. You can avoid this by not installing or uninstalling patch KB2934207.
If you cannot get rid of your XP computer, at least consider some of these suggestions:
Ø Limit or don’t browse the Internet or use another devise
Ø If you must access the Internet, use Firefox with NoScript or Chrome, not Internet Explorer
Ø Remove Adobe Flash Player and Java as they are common sources of infections
The end really is near. But you can prepare and prevent it.
Scott Bernstein, CPA [email protected] www.bssi2.com
847-513-2649 Mobile
847-551-4626 Office
847-551-4632 Fax
Digital Assets – Are You Prepared?
by Allen Kutchins, Managing Partner Kutchins, Robbins & Diamond, Ltd.
As our digital world increases, we rely less on paper records. Unfortunately we often overlook the importance of sharing access to important online asset information with the appropriate individuals and/or our loved ones. The Digital World We Live In. We live in a tech‐savvy and environmentally conscious world, whereby most of our financial transactions take place online. Our paycheck is deposited directly into our checking account, the majority of our bills are paid automatically from our checking account; our medical, savings and retirement statements are virtually all online; and we store and file our tax returns digitally. Consequently, our laptop and smart phone are both password –protected. Reduce The Stress On Your Family. Don’t put your family is a position where they would have to obtain a court order to access this information in the event that something tragic happened to you (or both you and your spouse). To avoid additional heartache for your family, include digital assets in your estate plan. List on paper or on a flash drive, the locations, user names and passwords for all digital assets and store the list in a safe‐deposit box or other secure location. The Digital Impact on Business. The digital age has also impacted small businesses and sole proprietors who use computers to maintain customer and product information, track orders, prepare invoices, pay bills, as well as store financial and tax information. Again, it is crucial that the right personnel and/or family members have access to these digital assets. Talk to your estate planning advisor about strategies to ensure that your family or personal representative has access to all your assets at the right time. Allen Kutchins Phone: 847‐278‐4335 Kutchins, Robbins & Diamond, Ltd. 1101 Perimeter Drive, Suite 760 Schaumburg, IL 60173
Page 6 VOLUME 53, ISSUE 3
Q: My 75 year old mother lives alone and has osteoarthritis in her hips and knees. She can no longer maintain her two‐story home, or navigate the stairs. The family thinks she needs to move to a place where she can get around safely and easily and where she won't be lonely and isolated. Any suggestions?
A: For many seniors, owning their own home is still preferred. But for those with declining health or increased mobility issues there are many housing communities with one‐level single family homes and townhomes as well as condominiums. The homeowners associations affiliated with these communities take away the responsibilities of snow removal, lawn mowing and general upkeep, yet give older adults the emotional and financial benefits of home ownership.
Downsizing to a smaller, more manageable place may eliminate the need for a mortgage. Most likely, the senior can use the equity from selling their single family home to pay for the condo or townhome outright, as well as to cover future property taxes and association fees associated with their new residence. Those who opt to live in a multi‐unit building with an elevator often have the added security of a doorman. These units usually come equipped with in‐unit washers and dryers as well as indoor parking. Many buildings have fitness centers, swimming pools, and game rooms.
Those who opt to live in a multi‐unit building with an elevator often have the added security of a doorman. These units usually come equipped with in‐unit washers and dryers as well as indoor parking. Many buildings have fitness centers, swimming pools, and game rooms.
Another option is condos and townhomes specifically for 50+ age adults. There are plenty around Chicagoland. They feature on‐site amenities such as a swimming pool, golf course, walking trails, activity center, fitness center, clubhouse and more. Sometimes there’s even a restaurant on the property. The communities are often gated which contributes to an exclusive feel. The activities in the senior condo development can be substantial, and you can take advantage of as much, or as little, as you wish.
After considering the different types of options of available housing, it is imperative to ensure that the interiors have
accessible features so seniors can live safely in their homes for years to come. “These features can be implemented with style and beauty” according to Leslie Markman‐Stern, President of Leslie M. Stern Design, LTD.
Many self‐help devices such as grab bars, and shower seats have been created to blend into the home environment without looking institutional. They assist in providing safe access and usability in a bath or shower. Anti‐scald faucets, hardware with specified with levers instead of knobs and counter tops fabricated with rounded edges can be user friendly for any age group and are just as cost effective as materials without these safety features. Textured tile floors or natural stone with a honed finish instead of a polish surface will provide more traction and reduce glare. Having a safe and user friendly environment to prevent falls should always be a first concern in choosing a space.
Lighting is another important consideration. As we grow older, it becomes increasingly more difficult to see. Proper placement of lighting sconces on either side of a bathroom mirror reduces glare when shaving or applying makeup.
When evaluating the kitchen it is important to confirm that there is sufficient counter space next to each appliance so that items can be placed on the counter safely. Rollout shelves make it easy to remove items from cabinets. Soft close glides on drawers create the action to close drawers effortlessly for someone with arthritis or carpal tunnel syndrome. Full extension glides increase the ability to see the full contents in the drawer.
Lastly, check to see if there are 36‐inch wide openings to doorways in case there is a need for an assistive device such as a wheelchair, scooter or walker. Accessibility is always the key to giving older adults more independence within their space.
Leslie Markman‐Stern, ASID has a full service interior design firm. She offers a holistic approach to creating a safety conscious, functional and beautiful environment so older adults and those who have special challenges can live independently and safely at home, but with an eye toward resale.
Home Trends 2014, February 7, 2014
Where Should You Retire? (Part 2)
It is not just about income or property
taxes when it comes to the financial
factors of retiring in a particular state.
Last month in Part 1, we reviewed the
best/worst states to retire while you are
alive and in retirement. In this article,
we will review state estate tax
structures and further define the
best/worst states for estate planning
purposes.
State Estate Taxes Explained
Thanks to the fiscal cliff tax deal (the American Taxpayer Relief Act), the federal estate tax
exemption of a generous $5 million per person, indexed for inflation, is now permanent. So
for 2014, up to $5.34 million of an individual’s estate ($10.68 million if you are married) will
be exempt from federal estate tax, with a 40% tax rate applied to any excess over the
exemption amount.
But the tax hit does not stop there, as states may levy additional taxes at the death of you
and/or your spouse. There are a myriad of different state estate tax structures that may levy
a) no additional taxes, b) a state estate tax above a specified exemption amount, c) an
inheritance tax on specific bequests outlined in the state code (e.g., a 10% tax dollar for
dollar on any assets given to anyone outside of your wife/children), or d) both an estate tax
and inheritance tax. Below, we outline the best/worst states from an estate tax perspective.
State Estate Tax Havens
Which states are the most tax advantageous for estate
planning purposes? This is a rather easy answer, since
the majority of states in our union have neither a state
estate tax nor an inheritance tax. I am going to bold
many of the most popular retirement destinations so
they stand out (while Alaska may not have an estate
tax, retirees are not flocking there in groves):
Alabama, Alaska, Arizona, Arkansas, California,
Colorado, Florida, Georgia, Idaho, Indiana, Kansas,
Louisiana, Michigan, Mississippi, Missouri, Montana,
Nevada, New Hampshire, New Mexico, North Carolina,
North Dakota, Ohio, Oklahoma, South Carolina, South
Dakota, Texas, Utah, Virginia, West Virginia, Wisconsin
and Wyoming.
While 30 states do not have any death taxes, there are many that do, and some are worse than others. Worst of the Worst: New Jersey may be the most
taxing in this respect. The state estate tax is at $675,000 with rates ratcheting up from 4.8%-16%. Jersey also has an inheritance tax on any transfers to specified heirs (generally transfers not in your direct lineage). Rhode Island has the second lowest state estate tax exemption at $921,000, with rates starting at 5.6% ratcheting up to 16%. A neighboring state is not much better. Minnesota’s exemption kicks in at $1 million (rates from 5.6%-16%), and also imposes a gift tax of 10% with a lifetime credit of $100,000.
Stay Away States
Oregon also has a $1 million exemption, but the estate tax rates begin at a whopping 10%. Maryland rounds out the “worst of the worst,” with estate tax exemptions of $1
million along with an inheritance tax very similar to the one imposed in New Jersey. Well, Could Be Worse: These states are a step below the above in terms of the harshness of their estate taxes. New York and Massachusetts both have exemptions of $1 million with no inheritance taxes. Connecticut and Maine have estate taxes set at $2 million and above along with no inheritance taxes, while Washington’s estate tax
exemption is at $2.12 million.
Not Too Bad: These states impose a higher threshold for the estate tax. Vermont has an estate tax of $2.75 million with no inheritance tax. Our home state Illinois has a $4 million exemption with no inheritance tax. Delaware and Hawaii have an estate tax exemption
that mirrors the federal level of $5.34 million with no inheritance tax.
Not Bad At All: This last grouping of states has no estate tax at all, but does impose an inheritance tax. Iowa will not tax your spouse, stepchildren, lineal descendants (children, grandchildren, etc.) or lineal ascendants (parents, grandparents, etc.), but will have an inheritance tax on any transfers to anyone else at a rate of 10-15%. Nebraska’s inheritance tax is variable based on counties, but can range anywhere from 1-18%. Kentucky will only tax anyone other than “Class A” beneficiaries (which consists of direct lineage, your spouse, siblings and parents) from a range of 4%-16%. Pennsylvania has an inheritance tax that ranges from 4.5% to 15%. Finally, Tennessee has an inheritance tax, but there is a $2 million exemption and certain beneficiaries are excluded; the tax ranges from 5.5% to 9.5%.
A significant amount of information has been thrown your way between part 1 and part 2. Anthony and I would be happy to sit down with you and discuss any of this information with you. Your decision to retire in another state should not solely be based on financial considerations, but we feel it is important to make all decisions with your eyes wide open. Next month in Part 3, we will try to put all of this information together and note the best places to retire from both an estate planning and income tax planning perspective. If we can be of any help in the meantime, please feel free to reach out to us. Note: In my research, I found a few great resources that I want to share. Forbes has a great map of the US where you are able to hover over any state and see the estate tax ramifications for 2014, and any sunset provisions on the horizon: http://www.forbes.com/sites/ashleaebeling/2013/11/01/where-not-to-die-in-2014-the-changing-wealth-tax-landscape/ Kiplinger also has a great chart where you are able to click on any state and see all the tax laws in that particular state, including estate taxes. Please note that many of these numbers are 2013, but it should give you a good basis for understanding each state’s taxes. http://www.kiplinger.com/tool/retirement/T055-S001-state-by-state-guide-to-taxes-on-retirees/index.php
Karen DeRose is a registered representatives of Lincoln Financial Advisors Corp. Securities offered
through Lincoln Financial Advisors Corp a broker/dealer (Member SIPC) and a registered
investment advisor. DeRose Financial Planning Group is not an affiliate of Lincoln Financial Advisors
Corp. Lincoln Financial Advisors does not provide legal or tax advice. CRN-818947-021314
Now What?
Are you a candidate for most‐hated passenger on the plane? If you're guilty of any of the following bad habits, you'll likely be the subject of disdainful glares, sanctimonious whispers, and violent revenge fantasies on your next flight. Here are 10 signs that you're the human embodiment of all that is wrong with modern air travel.
1. Your Seat Is in the Lap of the Person Behind You Don't get us wrong: We support seat reclining—within reason. Look behind you. Avoid reclining during mealtime. Maybe don't recline your seat at all if you're sitting in front of Shrek. This is how you can handle that button on the armrest with grace. But passengers who cruelly swing their seats back dentist‐chair‐style and leave it leaning from takeoff to landing? They give considerate recliners a bad name. Look behind before you recline!
2. You Smell Where are your shoes? If they are not fastened to the ends of your legs, then there is a problem. Don't tell me that your feet don't smell, because according to an extensive body of scientific research, the majority of people with smelly feet are completely unaware that they have smelly feet. And it's more than just your naked extremities: From supersonic farts to smelly snacks to bad breath, there are untold ways to offend the olfactory nerves of your fellow flyers. If you or your belongings emit a perceptible odor, we can pretty much guarantee that everyone in the neighboring rows wants you to go away forever.
3. Your Kid Is Out of Control
The polite tolerance of screaming babies is a generally accepted part ofcontract. A baby can't help screeching like a cat being murdered. Babieunderstand. Out‐of‐control seven‐year‐olds are another matter altogetis old enough to read (and doesn't live with a sensory‐processing disordmedical impairment), he or she is expected to follow basic commands stouch that lady's hair." Otherwise, your failings as a parent will be noticeveryone on the plane.
4. You're Captain Grabby Hands
If you grab the seat in front of you every time you get up, you are the worst. There's not much more to say about this. Flying is uncomfortable enough without having your seat pulled back and released like a slingshot at unexpected moments. Don't touch anyone's seat unless you're about to fall and it's the only way to prevent a face‐plant on the drink cart.
5. You're Loud
Yes, Bridesmaids is funny. You like jokes. We get it. But not everyone on the plane is watching the same in‐flight feature as you. Many of
your seatmates are actually trying to sleep. In the confines of an airplane cabin, your shrill cackle has the auditory effect of squealing breaks or the Aflac duck. Same goes for chewing food with an open mouth, listening to loud music on cheap headphones, playing any kind of game with sound effects, making bodily noises, crying because your vacation is over, or having a boisterous conversation.
6. You're Feeling Very, Very Friendly
In‐flight dating apps like Wingman should be illegal. Can't the airlines do something to block usage of these hellish apps that enhance the possibility I'll be reaching for the barf bag? Airplanes are gross enough as it is. Even a platonic attempt at stranger‐to‐stranger human connection can quickly become inappropriate and aggressive when made in flight. The object of your attention has nowhere to hide in the event that he or she really isn't interested in talking about weekend plans and the weather. So whether you want to make a friend or a "friend," table it until the plane lands.
7. You're Doing Things That Should Only Be Done in Private Use your imagination here. This could include anything from picking at your bare feet to examining your split ends. You might think that your seatmate doesn't notice that you're scratching at the scab on your arm throughout the flight. But trust us—he does. And it's making him uncomfortable.
8. You Think You're a Special Snowflake
You may be surprised to learn that you are not the only person on this plane. Look to your left. Look to your right. There are other people! In the event that you are not flying on an empty ghost plane and that you have purchased a coach‐class ticket, follow these simple rules: Do not use the flight‐attendant call button as your ring‐for‐service bell. Do not snap your fingers at the flight attendant because you want more ginger ale. Do not spend 30 minutes looking at your phone in the bathroom. Do not ask to switch seats on a full flight because you are in the middle seat and you don't like it. And so on.
Basically, pack away your delusions of grandeur and try to behave in a cooperative fashion. If you didn't spring for a ticket upgrade, don't expect a superior, personalized flying experience.
9. You're Drunk One of the worst conceivable places to lose your inhibitions in a sea of SKYY vodka is on a flight. You're packed in a metal tube, where boozed‐up conduct that would, at worst, garner an eye roll on the ground could easily attract the attention of federal authorities. Yell and use profanity in your local watering hole? You'll be asked to leave. Yell and use profanity at 30,000 feet? You'll face a police escort and disorderly‐conduct charges in federal court.
10. You're Invading Space Your carry‐on items are commandeering the floor space of your seatmates. Your butt is in someone's face for an interminable period of time as you wait to use the bathroom. Your fat duffel bag takes up an entire overhead bin. Your elbows are poking across adjacent seats. If these statements describe you, then you're an airplane space invader and you need to be stopped. The solution is easy: Check your oversized bag, and keep your butt and elbows (assuming you know the difference) in check.
Marcy Gelber, CTC, MCC Phone:(847) 897‐7011 Fax: (847) 897‐7005 Toll Free‐ (888) 743‐9865
April 5 Joy Schaefer, Home Helppers of NE, IL [email protected] April 6 Jerry Mayster, Mayster & Chaimson Ltd. [email protected] April 25 George Huebner, Folio Press [email protected] April 30 Susan Chesler, Signs for Success [email protected] April 30 Ken Dermer, Remred Promotional Prods [email protected]
Birthday Wishes to...
(If you are considering bringing a guest, don’t forget to contact the office or V.P. Membership– Dean George, Matrix Payment, (847-310-0455), before extending your invitation.) Prospect Name:
Prospect Company:
Phone Number: eMail:
Category represented:
Food Choices: Chicken or White Fish, Veggie, with Salad, Potatoes, & Dessert
Reply Form E-mail to: [email protected]
Executives Guild, ltd. P.O. Box 1743
Des Plaines, IL 60016-1743
Phone: 312-604-5018
Fax: 224-612-5707
E-mail: [email protected]
We’re on the Web
Meeting Attendance & Dress Code:
1. It is the obligation of every member that attendance at monthly general meetings should be as follows: “Members are required to attend ten (10) meetings in a calendar twelve (12) month period.”
2. Business Casual is the dress code for our meetings.
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