IBM EY 2017

independentbusinessmedia.com

EllianaYork:
TheNew Model
forSocialSuccess

FacebookandInstagram
vs.Snapchat-Page15

TradeFinance: INDEPENDENTBUSINESSMEDIA
FactoringtoBridgethe PHOENIX
Gap-Page24

independentbusinessmedia.com EllianaYork:Model,Entrepreneur, SocialMediaSensation

IndependentBusinessMediaLLC.
www.independentbusinessmedia.com

PhoneUsToday:480-431-2051

2

TABLEOFCONTENTS

Pg.4 EmployeeTrainingonPhishing
E-mailsCanHelpAvoidCyber-
Pg.17 attacks-Page4
Pg.17
BirthdayDreamsAreFilledfor
Pg.20 Boys& Girls!-Page8

Pg.26 ProfessionalProfile:Kenyon
Glover-Page10

AgingandFinancialAbuse-
Page12

FacebookandInstagram vs.
Snapchat.-Page15

MaryMcCullough& Marybeth
Madden:New StageofWork
fortheGreaterGoodatScott
Foundation-Page17

EllianaYork:TheNew Modelfor
SocialSuccess
-Page20

TradeFinance:Factoringto
BridgetheGap-Page24

VenuesofNorthScottsdale-
Page26

PressReleases-Page29

Pg,12

Pg.15 CEO:TY DAVIS

W RITERS:TROYFARAH,LANCE
CHASE,BRENDA VELEZ,CHRIS-

TINA MORAN

PHOTOGRAPHY:MATTHEW
STRAUS,JORGERODRIGUEZ

DIGITALDESIGN:SEAN W ESTON

3

EmployeeTrainingonPhishing

Acompany E-mailsCanHelpAvoidCyberattacks

called“PhishMe”

basedinLees-

burg,VAsays

thatmorethan

90% Ofcyberat-

tacksstartwitha ByScottGreene
PhishingEmail.

First,let’sdefine“phishing”and Phishingworkswhenemailusersareen-

“spearphishing”.Phishingisusing ticedtoopenanemailfrom ascammer

emailtodefraudindividualsofper- whoisseekingprofitbyobtainingper-

sonalorcorporateinformation. sonalorcorporateinformation.Phishingis

alsothemostcommonwaycompanies

UnlikeSpearPhishing,Phishing andindividualsareinfectedwithRansom-

emailsaregenerallylesspersonal. ware.Itusedtobethatuserswereen

SpearPhishingisatargetedPhish- ticedtoopenemailthatindicatedthey

ingattempt.Theemailostensibly had"wonamilliondollars".However,

looksasthoughitisfrom atrusted usersarecertainlybecomingmoreedu-

senderorcontainsmorepersonalin- catedwhilehackersarebecomingmore

formationinordertoinducethetar sophisticated.

getedrecipienttorevealconfidential

information.Inbothcases,theblack UnfortunatelyPhishingremainsthe

hathackerfraudulentlyseeksinfor- numberonewayattackersgainentryinto

mationincludingpasswords,bank computersystems.Phishmerecentlycon-

accountinformation,creditcards ductedastudytoanalyzeusersfallfor

andmore.Phishingisalsothelead- thesePhishinglures.PhishMe,Incorpo-

ingcauseofRansom-ware. ratedstudiedemailrecipientsreactionto

morethan40millionsimulationPhishing

Forthepurposesofthisarticle,we emails.Thesimulatedattacksweresent

willrefertobothPhishingandSpear toemployeesofabout1,000ofthe

PhishingasPhishing.Phishing,and company’scustomersaroundtheworld.

itsmoresophisticatedbrotherSpear Thestudytookplaceoveran18-month

Phishingareasignificantproblem. periodfrom January2015throughJuly

2016.

4

Thereportindicatesthatover90% of ScanAttached: 5
computersystem hacksbeginwhena
useropensaPhishingemail. Thestudyfoundthatbusinessre-

Whatisinterestingiswhyusersare latedphishingattacksarethe
dupedintoclickingonlinksinthese
dastardlyemails.Whatthestudyfound mostdifficultforemployeestorec-
isthatendusersopenandclickalink
inaphishingemailalmost14% ofthe ognize.Usersaremorelikelytobe
timebecausetheyarecurious,while
“fear”and“urgency”eachenticedthe fooledbyscansattachedtoan
usertoopenandclickalinkjustover
13% ofthetime.Asmallerpercentage email,officecommunications,fi-
ofthephishingemaillinkswereclicked
forreward/recognition,socialreasons, nances&contracts,retail&Shop
entertainmentandopportunity.
pingandInformationTechnology
Fear,suchasemployeesbeingcon-
cernedabouttheirjobperformanceor (IT)communications.Subjectlines
deadlinescausesemployeestobesus-
ceptibletosuchattacks."Fearandur- suchas“Scanattached”withan
gencyareanormalpartofeveryday
workformanyusers,"saysAaron emailbodythatsayssomething
Higbee,co-founderandCTOof
PhishMe."Mostemployeesareconsci- alongthelinesof:“Pleaseopen
entiousaboutlosingtheirjobsdueto
poorperformanceandareoftendriven theattachedPDFdocument.”
bydeadlines,whichleadsthem tobe
moresusceptibletophishing." causesuserstoopennotonlythe

emailbutalsoclickonadanger-

ouslinkoropenthehazardousat-

tachmentaswell.Thelargerthreat

canbethatthedocumentisnota

PDFdocumentatall,butrathera

ransomwarethatgetsinstalledon

thelocalcomputer.The“Filefrom

scanner”phishingattacksaffected

theTransportationindustryap-

proximately49% ofthetime,the

healthcareindustry31% ofthe

timeandtheInsuranceand

Pharma/Biotechindustriesaround

30% ofthetime.

6

LockyRansomware: Officeasksiftheuserwishesto
Inearly2016anewform ofransom- “EnableEditing”.Alltoofrequent-
wareemerged.Lockyransomware ly,theusersconfirm andtheem-
canbedeliveredviaaMicrosoft beddedmacrogoestoworkcaus-
OfficeDocument.ThisPhishing inghavoc.TheLockyattackau-
attackemailmessagewillcontaina thorsareverysophisticated.Gen-
subjectsimilarto“ATTN:Invoice erally,theemailreceivedbythe
20160146”andthebodyofthe enduserhasnogrammaticalor
emailmaysay“Pleaseseetheat- spellingerrorsandfrequently
tachedinvoice(MicrosoftWord looksasthoughitisfrom afellow
Document)andremitpaymentac- employeeorsomeonethatthe
cordingtothetermslistedatthe userknows.
bottom oftheinvoice".Thistypeof
Phishingattackisespeciallydisturb- Inaddition,theLockyattackap-
ingasusersfrequentlybelievethat pearstotheenduserasifitis
Officedocumentsaresafe.Itisalso partoftheorganizationsexisting
verycommonforWord,andother invoiceprocess.Phishmefound
Officedocuments,tobeexchanged thatLockyphishingemailswere
viaemail.Asaresult,usersopen openedbytheInsuranceindustry
thesetypesofPhishingemailsover almost35% ofthetime.Thetop
21% ofthetime.Uponopeningthe threeindustriesaffectedbyLocky
documenttheuserisusuallypre- areroundedoutbyEnergyatjust
sentedwithgibberishandanOffice under32% andhealthcareat
messageindicatingthatthedocu- almost25% oftheattackitems
mentcontainsamacro. wereopened.

Prevention:
WhenemployeesactivelyreportPhishingthreatsthetimefordetection
ofadatabreachisreducedtojustoveranhour.Incontrasttheindustry
averagedetectionforadatabreachis146days.Thisislikelyduetothe
factthatoncereported,InformationTechnologypersonnelknowwhatto
lookfor.Accordingtothestudy,employeeeducationislikelythemost
effectivemethodofincreasingsecurityandreducingvulnerability.

Thestudyfoundifacompanyruns
throughjustonesimulation,that
theriskusersposedropsbyalmost
20%.Thismeansthatusersare
trainableandcanlearn,whichin-
creasesafirm’ssecurity.According
toitswebsite,PhishMe,Incorpo-
ratedsays:“PhishMebelievesem-
ployees–humans–shouldbeem-
poweredaspartofthesolutionto
helpstrengthendefensesand
gatherreal-timeattackintelligence
tostopattacksinprogress.”

EvidenceSolutionsagrees,educationiskeyinpreventingadatalossor
avirusinfection.Pleasesharethisnewsletter.PhishMe,Incorporated’s
headquartersareinLeesburg,VA,thecompanyalsohasU.S.officesin
NewYork,NY,SanFrancisco,CAaswellasBirmingham,AL.

Thefullreportisavailableat:https://phishme.com/project/2016-
phishing-susceptibility-report/

QuestionsonDigitalEvidence? 7 AuthorScottGreene
CallforaFreeConsulation!
866-795-7166
or
[email protected]

BirthdayDreamsare Withtheassistanceofgenerous

FilledforBoys& Girls donorsandamazingvolunteers,
inFosterCare! AHHwillassembleabeautiful,per-
sonalizedbirthdaypackageforlittle
ByDanShufelt JohnnyorSophiatoletthem know

InArizona,accordingtotheDepartment theirdayisspecialandthattheyare

ofChildSafety(“DCS”)“FamilyFoster worthyofcelebration.

HomeCareRatesandFeesSchedule”,the
Stateprovidesfosterfamilieswitha“Spe- DanShufelt,PresidentandCEOof
cialNeedsAllowance”.Thisallowanceis AHHtellsusthatin2016,thefirst
“Availabletoassistfosterparentswithex- fullyearoftheprogram,AHHpro-
pensessuchasholidays,birthdaysand videdbirthdaypackagesto920chil-
specialoccasions”.Isn’titrefreshingto dreninfostercare.

knowthatfamilieswhomakeacommit-
menttoprovidesafetyandcomfortto “Wemeetchildrenallthetimewho
childreninneedcanreceivegovernmentalhavenevercelebratedabirthday
supportwithsomethingasimportantas duetotheircircumstances.One

celebratingachild’sbirthday?Especially childImetrecentlyhadhisveryfirst

whentheseboysandgirlshaveexperi birthdaycelebration–atage13,

enceddisruption,traumaandabusein onlybecauseofoursupport!Thisis
theirshortlives?
trulyunacceptabletoallofusatAri-

zonaHelpingHands.Wewantevery

DanShufelt boyandgirlinfostercaretoknow

Author, thatdespitetheircircumstances,
Presidentand theirbirthdayisaspecialday.We
CEOofAHH wantthem toknowthatpeoplein

ourcommunitycare.Ourvolunteers

selectgiftsbasedonthechild’sage,

sexandinterests,andgiftwrap
OneOrganizationinArizonahasmadeit thosepresents.Then,(thebestpart
theirmissiontoensurethatfosterfamilies ofourprogram)theywillhand-
haveanopportunitytocelebratethe
decorateaplainwhitepaperbagto
birthdayofeverychildinfostercare.
say“HappyBirthdayBilly”,“Yougo
BIRTHDAYDREAMSisoneofArizonaHelp- girl”,“Boysrock”orothermessages
ingHands(“AHH”)programswhichpicks ofencouragementandsupport.We
upwhereStatesupportcomesupshort.
haveparentswhoareoverwhelmed
Familiescansubmitanapplicationfora bybeingabletomaketheirfoster
child’sbirthdayatrulymemorable
birthdaypackageforachildintheircare occasion,”Shufelttellsus.

ontheOrganization’swebsiteat 8
www.azhelpinghands.org.

Theprogram alsohasbeenopenedup Packagesarelinedupontablesin
toDCScaseworkerstogivethem an theArizonaHelpingHandsware-
opportunitytoexperiencesometrue houseawaitingpickupbyfamilies
joyintheirstressfulandhecticwork andcaseworkers.Thisisoneof
withchildren.Caseworkerscansubmit manyprogram servicesprovided
arequestforachildintheircaseload, byAHHtohelpkidsinfostercare,
and,insteadofjust“layingeyes”on butperhapsthemostimmedi-
thechild,theycanwalkintothehouse atelyrewarding.Whatbettermes-
foratotallypositiveinteraction. sageistherethan“Youareimpor-
Shufeltsaysthat“Caseworkerstellus tant,andthepeopleofourcom-
thisisthebestpartoftheirworkweek. munitycareandsupportyou”?
TobeabletosaytolittleJosethatthe Individualvolunteers,aswellas
onlyreasonIam heretodayistosay businessgroups,churchgroups
HAPPYBIRTHDAY,IcametoCEL- andothershavedonatedtheir
EBRATEYOU!Thisissuchajoyfor timeandtalenttoprepareBirth-
caseworkers.Thisprogram alsopro- dayDreamspackages.Tovolun-
motesapositiveinteractionandcan teerandhelpfillchildren’sBIRTH-
openupveryimportantlinesofcom- DAYDREAMS,visit
municationbetweencaseworkersand www.azhelpinghands.org.
childreninfostercare.”

9

KenyonGlover In2002,Kenyonstartedhiscareer
overseasasaprofessionalbasket-
ProfessionalProfile ballplayer.Lifeasanathlete
seemedlikeasurething,untilase-
riousinjurytohiskneecausedhim
toretireearly.Insteadofgivingup,
Kenyonbeganmodelingand
movedtoCaliforniain2006to
pursueactingfulltime.

K.Glover,hasKGEntertainment
whichistheumbrellacompanyto
thesubsidiarycompaniesofKGX-
perienceandKenyonGloverFilm
Productions,withapublishingdeal
withHartfordPublishing.KGXperi-
encecovershisbusinessofHealth
&Fitnessnotexcludingpersonal
training,youthbasketballcamps
andnutritioncoaching.

Healsohasindevelopment“Ob-
sidian”:www.obsidianmovie.com
throughhisKenyonGloverFilm Pro-
duction.GloveristheCo-Founder
oftheGeorgiaPeachFashionWeek
whichpremieredSummer2015in
Atlanta,Georgia.

Professionalbasketballplayerturned

actorKenyonGloverisontheriseas
Hollywood’snewesttalent.Youmayhave
seenthisrisingstarrecentlyinshowslike
BornAgainVirgin,DeviousMaids,andIn-
vincible.Withover60TVandfilm credits
tohisname,youdefinitelywanttokeep
him onyourradar!

10

independentbusinessmedia.com

RosarioGrajajes:Writer,Journalistt,Spokesperson

IndependentBusinessMediaLLC.
www.independentbusinessmedia.com

PhoneUsToday:480-431-2051

11

12

AgingandFinancialAbuse
W hatCanHappenandStepstoPrevention

ByElizabethWestby

Noonewantstothinkaboutthe Iam notconvincedthiswillalwaysbe
thetrendbutfornowitis.Thatisdue
agingprocess,letaloneallthedan- tothefactthatwomenlivelongerthan
gersassociatedwithadvancedage men,leavingthem alonewhentheir
andlivingintoday’sworld.Educa- spousepasses,andelderlywomenin
tionandplanningarethetwomost 2017arefrom agenerationwherethey
importantstepstopreventingany areusedtorelyinguponothersintheir
typeofissuesinthefuture.Senior livestohelpthem makeimportantde-
financialabusescamsareamulti- cisions.
billiondollarindustry.

Thistypeofabusenotonlyeffects W hatAreTheCommon
theseniorindividualbutalsotheir TypesofAbuse?
families,theirfinancialinstitutions,
taxpayersandalltheservicesthat Financialabusecomesinavarietyof
providerelieftothevictims.Astudy formsbuttherearecertainformsthat
wasdonein2011byMetlifeMature presentthemselvesoverandover
MarketInstituteandtheyestimated againandhavebecomeverycommon-
thattheannualfinanciallossfrom place.
seniorfinancialabusewas2.9bil-
liondollars!Thatnumberwas Typesofseniorfinancialabuseinclude:
basedsolelyonthecasesthat
madeittothemedia. 1.IdentityTheftandCreditCardFraud
2.PowerofAttorneyAbuse
Seniorsareespeciallysusceptible 3.ReverseMortgageScams
tofraud.Thisisbecausewetendto 4.LivingTrustandAnnuitiesScams
bemoretrustingasweage,we 5.DeedTheftandForeclosureRescue
havemorewealthaccumulatedby Scams
thattimeinourlives,andour 6.UndueInfluence
worldsbecomesmaller.

W hoWouldDoSuchaThing? -oughregardingyourwishes.Thatis

whatissobeautifulaboutcreating

Theperpetratorsarenotsoeasyto yourplan;youhavecontrolthrough-

spot.Theycomedressedasyour outeverystageofyourlife.Thispro-

familymember,friend,neighborand cessiscriticaltoaccomplishproperly

peopleworkinginaprofessionalat- otherwiseyouwon’tbedoingyourself

mospherewithready-madedeals, anyfavorsinthefuture.

andideasonhowtoinvestmoney.

Herearesomethingstoconsider

Whensomeoneapproachesanel- whengettingreadytocreatean

derlypersonregarding:reviewingan estateplan:

estateplan,reversemortgages,an-

nuities,oranyotherproductthat 1.Donotcreateaplanonline.

wouldeffecttheindividual’sfinan-

cialportfolio–beware!Ifsomething Therearetoomanychancestogetit

needstobechanged,eithera wrongthenyouspendevenmore

trustedadvisorwhoyouhavebeen moneywhenyouhavetohireanat-

workingwithforyearswillbringitto torneytofixtheoneyoucreatedyour-

yourattentionduringthecourseofa selforhavetostartfrom scratchany-

regularrevieworyouwillbetheone ways.

reachingouttotheprofessional.Not

theotherwayaround. 2.Donotcreateaplanwitha

Asaruleofthumb,ifsomeonecalls companywhooffersestate

you,walkaway.Thatincludesyour plansasagimmicktosellyou

familymembers.Ifthefamilyis insurance,annuities,orother

urgingyoutodosomething,getat “financialresources.”

leastthreeprofessionalopinions

beforemakinganydecisions.Unfor- Aninsuranceagentorafinancialplan-

tunatelywecannotsimplytrustany- nerwillcontactyouofferinganestate

moresowehavetobecautious.Es- planbutreallytheyjustwanttoprofile

peciallyasweage youandgainaccesstoyourfinancial

informationsotheycanhelpyourein-

WhatCanIDotoPreventThisFrom vestyourmoneyinalltheproducts

HappeningtoMe? theyoffer.Thefeefortheplanwillbe

nominalbutremember,yougetwhat

Theonlyrealwaytohelpprevent youpayfor.Also,ifyouneverhave

thistypeofabuseistohavearevo- contactwiththeattorneythecom-

cablelivingtrustcreated,andbe panyclaimsisdraftingyourestate

verythor- 13plan–RUN.

3.Carefullychooseyour
estate-planningattorney.

Youarelookingforsomeonewhois

notonlyknowledgeable,butwantsa

clientforlife,notjustfortheestate

plan.Therearealsoalternativesif Contactinganattorneyregardingelder
youdonothavesomeoneinyourlife abuseisthebestplan,butmostpeople
whoyouwouldtrusttohandleyour donothavetheresourcestogoto
moneyormakemedicaldecisionsfor court.Regardless,youstillmaywantto
you. speakwithanelderlawattorneyto

4.Carefullychooseyour betterunderstandyouroptionsandthe
successortrustee. processandmostelderabuseattor-
neysdonotchargefortheinitialcon-

Similartothepowerofattorneys, sultation.Platt&Westby,P.C.hasa
thispersonmustbeheldtoahigh team ofexperiencedattorneyswhocan
standardsoyoucanrelythatyour talkwithyouaboutyouroptionsand
planisworkingforyou. arehappytoconsultwithoutcharge.
Youcanreachusonlineat

W hereCanITurnforHelp? www.plattwestby.com,orbyphone
602.277.4441.Ifyouwouldliketo

Ifyoubelieveyou,orsomeoneyou speakwithmedirectlyIam atexten-
know,hasfallenvictim tofinancial sion243.

abuse,youmaywanttocontact

AdultProtectiveServices(APS).

https://des.az.gov/services/aging- Author
and-adult/arizona-adult-- Elizabeth
protective-services-aps Westby

APSprogramsarecomprisedofstate

andlocalagenciesthatinvestigate Remembertoeducatethepeople
reportsofabuse,neglectandfinan- youcareaboutandtogetyour
cialexploitationofolderpersonsand planinplace.
adultswithdisabilities.

14

FacebookandInstagram vs.Snapchat.
LessonsInW hataMarketLeaderCanDo

ByJordanWalsh

Thesocialmediawarshavebeenheatinguplately.ItseemsFacebookisn't

readytogiveuponit’sbilliondollarevaluation...Andwhyshouldit,really?
Facebookisbyallaccountsthelargestsocialmediaplatform ever.Thenet-
workcontinuestofindwaystomakemoneywhenothersarefailing.

Snapchat,withit’sover100millionusers,hasbeenathorninMarkZucker-
berg'ssidesincedebutinginlate2012.Theideaofshortanddisappearing
videosmadekidsofallagesgiddy,andtheyshowedupinthemillions.
Snapchatthenaddedfilters,storiesandsnappersonalization.Withthein-
crediblydifficultinterfaceforanyoneover30,theplatform hasbeenirresist-
ibletoyouthlookingtokeepparentsawayfrom what'scool.

15

Lesson#1:TheMarkerLeader Snapchathasvideoandpictureper-

ShouldUseItsDeepPockets sonalization.SodoesInstagram and

Facebook.

SoifyouareFacebookandSnapchatis

stealingyourthunder-whatdoyou ItseemsSnapchatisinforanepic

do?Forstarters,useyourdeeppock- battle.Thewinnergetsbillions.The

ets.FacebookpurchasedInstagram in losergetashortWikipediapage

early2012,becausewhenyouarethe aboutasocialmediaplatform that

leader,agreatmoveistobuyyour wascoolonce

competition.Atthetime,Facebook

seemedfoolishtogobbleupInstagram Ifyourbrandistheleaderusethese

for1billion.Now,however,Facebook tacticsavailabletoyou.Ifyoudon't

hastwosocialnetworkspushingon believeme,gotoWikipediaand

Snapchat-stackingthenumbersin searchforMySpace.

Facebook'sfavor.

I'm offtoannoymywifewithmore

Lesson#2:TheMarketLeader pointlessandendlesslyentertaining

CanCopyTheNew Brand Snapfilters-whileIstillcan.

Oneofthebiggestadvantagesa

leaderhasoversmallerlesserknown

brandsistheabilitytomirrorcompeti-

tion.Facebookisusingthistacticlikea AuthorJordanWalsh

pro.Snapchathasstories.SodoesIns-

tagram.Snapchathasfilters.Sodoes

FacebookMessenger. 16

YouthAdvocates,MaryMcCullough& Ma-
rybethMaddentransitiontoaNew Stage
ofWorkfortheGreaterGood

TheScottFoundation

AuthorandformerIntelManagerColleenWalski,Founder&CEOofScott

FoundationannouncesMaryMcCullough&MarybethMadden'stransitiontoa
newstageofworkforthegreatergoodatScottFoundation.

MaryMcCulloughformerNannytotheFrenchConsul- MaryMcCullough
atebringswithheraninspiringhistoryoflifeexperi-
encesthatcan'tbefoundineducationsystems.Her
spiritualquestandpassionforchildrenisindisput-
able.Servingforeigndignitariesprivilegedchildrenis
onlyasmallsteppingstoneinthepathMaryisonin
thislifetime.Aproductofthefostercaresystem her
self,hershiningsoulisfullofloveandcompassion,
andsheisonanunmistakablemissiontomakeadif-
ference.HernewroleasanEnlightenmentGuide&
YouthAdvocatewillblazethetrailfor35youngfoster
kidsoverthenext3to4years,whohaveadream of
theirowntomakeourworldbetterthantheyfoundit.

MarybethMaddenformerAccountsManagerwith MarybethMadden
ScottsdalePreventionInstitutebringswithhera
caringheartandrichhistoryofsuccessstorieswork-
ingwithyoungpeopletopreventsubstanceuseand
abuse,whileofferingabroaderspectrum ofpreven-
tion.Herexpressedpassioninyouthleadershipand
holisticcareerdevelopmentalongwithherlifeexperi-
enceof30+yearsinbookkeepingandcompanyman-
agementguideshertoScottFoundationtomakea
difference.HernewroleasanEnrichmentGuide&
YouthAdvocate,willexpandservicecapabilities
throughourYoungAdultMasterclassprogram,which
furtherstrengthensocial-purposeinanewandinno-
vativewaybypartneringwithgrouphomesandcom
munityprogramsthatleverageMary1b7eth'stalent.

"IfindmyselfveryemotionalasIsearchfortherightwordstodescribewhat
ishappeningatScottFoundationrightnow...ClearlytheUniverseislisten-
ingtomyprayers,butthesizeofthegiftsbeingattractedarefargreater
thanIcouldhaveimagined.Thisissuchapersonalmissionforallofusin
ourownwayandIfeelmorethanhonoredtobeservingArizonafosterkids
alongsideofbothMaryandMarybeth.AlloftheSuperheroes'onourteam
herehavebeenworkingtirelesslytogetcommunitymembersbehindthese
kidsthroughcharitabletaxcreditsandsponsorshipaswehaveabigplans
toguidetheseyoungwarriorsoutofthesystem andsafelyontotheirdream
path."saysColleenWalski.

TheScottFoundationwasestablishedin2007byScott'sMom,Colleen
Walski,andfamilymembersafterthetragicpassingofherson,ScottWalski.
Payingtributetoheronlyson,Scott'sfamilyandfriendsdiscoverthatwhile
ontheirintendedjourneyofre-buildinghope,theUniversehasoddly
alignedthedestinyofmanytomakeaninspiringimpactthatcontinuesto
unfoldandenrichthefortuneofScott'slegacyandtheirown!

A501(c)(3)nonprofitorganizationtheyproduceyear-roundexperientialpro-
grammingthathighlight,inspireandeducateat-riskyouthandkidsinfoster
careontheimportanceofsocialinnovationandthecriticalneedtobreak
thesystem for"good".Withafocusondevelopinginnerwealth,theybe-
lieveinmakingtheworldamorepeacefulandlovingplacebyemotionally
teachingkidstomakebetterchoicesthroughselflessservice.

18

Servingkidsinthe
Arizonafostercare
system andat-risk
youthfornearly10
years,they'veim-
pacted4,950+
Kidsthathaveredi-
rectedover
$600,000In-Kind
Donationbackinto
thecommunity.
Thepowerofself-
lessserviceisun-
deniable!

Inourmoderneducationalsystems,overwhelmingemphasisisplacedonthe
acquisitionofskillsandknowledgethatwillenablethekidstofindajobor
practiceaprofession.Preoccupationwiththisaspectofeducationhidesthe
deeperandmoreimportantroleofeducationwhichistohelpdevelopthe
universaltraitsofhumancharacterinchildren.Theseincludeconfidence,
compassion,courage,integrity,kindness,respect,tolerance,optimism,self-
lessservice,andalltheotherqualitiesthatbringpeace,happiness,andsuc-
cesstooneself,one'sfamily,andsociety.

TheirYoungAdultMasterclassProgram isa3to4yearprogram thatholisti-
callyinveststofulfilltheindividualyoungpersonssocial-emotionalwell-
being,dreams,education,work-learnexperiencesandsafelytransitionsto
independentlivingthroughExperientialandSocialEmotionalLearning.

ScottFoundation'sdesiredoutcomebreaksthecycleofpovertyandviolence
andultimatelytransformsthecommunitybysuccessfullygraduating
community-minded,"whole-people"withsignificantlydecreasedaddictive
andviolentbehaviors.Thishelpspreventthefutureneedformorecostly
socialandcriminaljusticeservices.ThesedevelopingSelflessSuperheroes
leadthecharge,steppingforwardandreadytobringaboutsocialchange;
theyareournextgenerationThought&ServiceLeaders.

19

20

EllianaYork
TheNew ModelforSocialSuccess

HernameisEllianaYorkandthoughnotButamodelingcareer,onitsown,is
yet15yearsold,she’sslowlybeenbuild-notthesinglemostimportantcompo-
ingadigitalpresencewithjustonegoal;nentofhermodelforsuccess.With
tobecomeamodelofsuccesswithinthehermanyshoots,andanincreasingly
newworldofsocialinfluencers.
sophisticatedportfolio,Ellianahas

quicklyscaledhersocialmediapres-
Thatsuccessbeganwithherwinningtheencetoincludenearly8,000Instagram
FutureFaceofFoothillscompetitionin followers.
whichshecampaignedtocapturedmore

than15,000onlinevotestosecureher Afollowingthatsheknowsisofever
victory.Just11atthetime,shewenton increasingvaluetobrands,notthe
tosignamodelingcontractwithThe leastofwhichisherown.Andthe
AgencyAZandthen,just2yearslater, proofissimple;Overthepastfew
shesetprecedentsbybecomingthe monthsshe’sbeenreceivingfreeprod-
youngestmodeltosignwithboththeLosuctsfrom brandsincludingclothing
AngelesbasedVisionLAModels
company(www.deliasclothing.com)
(goo.gl/T2AQCm)andtheWilhemina andjewelrymaker
AgencyforrepresentationintheChicago(www.vanessamooney.com)
andMiamimarkets.

“It’sanimportantstarttobe-
comingasuccessfulinflu-
encerandthoughI’m notyet
beingpaidtodoso,mypost-
ingsontheseproductshelp
buildtheirbrandsauthenticity
-andmine”saysElliana
(@ellianacapri).Andshe’s
right.AccordingtoBloomberg
it’sestimatedthatmorethan
$255milliondollarsarespent
eachmonthoninfluencer
marketing.

Evenmicro-influencers,like
Elliana,aresoughtafteren-
dorsers,statesjournalistRe-
beccaSuhrawardi“Moreand
more,brandsareturningto
peoplewithfarlessnumbers
offollowers—sometimeseven
aslowas8,000—tohelp
sharetheirmessages.

Inreturn,abrandreceivesin-
tangiblebenefitslikeauthen- Alinewornandendorsedbycountlesscelebri-
ticity,auniquepointofview, tiesandsoldthroughmultiplechannelsinclud-
deeperstorytellingandthe ingQVCanda3-yearrunonHSN.

potentialofreachingamore
tailoredaudience.”Allofthis “I’dimaginethatmyinfluenceonherasa
bringsaknowingsmiletothe inglemom andserialentrepreneurhasplayed
faceofElliana’smother,Mary animportantroleinherdecisiontobecome
bothamodelandsocialinfluencer.AndwhatI
BethYork.Nostrangerto
modelingherself,shepar- likeaboutthecombinationisthatwhileshe
layedacareerasacelebrity can’talwayscontrolherimagewhenworking
make-upartistandspaowner asamodelshecanmostcertainlycontrolher
intoherownsuccessfullineof thoughtsandopinionsasaninfluencerand
that’sahealthybalanceforher”statesMary
beautyproducts
Beth2.1
(mbyork.com).

Thatbalance,forthisteeninfluencerin
themaking,hasbeenpartlyinspiredby
otherinfluencerswho’vealreadybuilt
substantialfollowingswhileleveraging
theirmodelingcareers.

YoungwomenlikeIsabellaPeschardt
(@ibellapeschardt),MadeleineRose
(@cheriemadeleine)andCindyKimberly
(@wolfiecindy)whoshottofameafter
JustinBieberrepostedoneofherphoto-
graphsandposedthequestion“OMG
whoisthisgirl?”Allremainshiningex-
amplesofwhatcanbeachievedinthe
worldofsocialinfluencers.

Whileallofthismayseem likesome
sortofself-servingdesiretocapture
theirownversionof15minutesof
fame,orevenadigitalpopularitycon-
test,theannualearningsoftheseinter-
netinfluencersareaseriousbusiness.
YouTubestarslikePewDiePieandRosan
naPansinoearned$15millionand$6
millionrespectivelyin2016andlever-
agedtheirsuccesstowardscoringaddi-
tionalbusinessopportunitiesthathave
includedlucrativebookdeals.

EvenInstagram micro-influencerslike
Elliana,withunder10,000followers,
caneasilyearnmidandupper5figure
incomeswhilebeingaffordedtheoppor-
tunitytogivetheirsponsoringcompa-
niesinputontheproductsthey’re
given.

22

Thatsortofcreativeinputis 23
whatledthismotherand
daughterteam totheirnext
insight,onedrivenbythefact
thatnecessityismoreoften
thannotthemotherofinven-
tion.Elliana,likemanyofher
peers,suffersfrom frequent
outbreaks–aninconvenience
forallteensandevenmoreso
giventhedemandsofher
modellingcareer.

MaryBeth,alwaystheentre-
preneur,sawthisasachance
toco-createwithEllianaa
skincarelineforteens.Work-
ingtogether,thepairwillmu-
tuallydevelopitsformulation,
packagingandnamingwith
Ellianaservingasboththe
faceofthebrandaswellas
itsprimarysocialinfluencer.

Inthenewworldofdigitalin-

fluencers,anupandcoming

teenmodelwithagrowing

socialsphereoffollowersand Abouttheauthor:
anewproductlinehassether JohannesLoutschisanawardwinning,Scotts-
sightsontheaspirationsand dalebasedstoryteller.Hisworkasa
possibilitiesofcombingall writer/producerincludesmultipleSuperBowl
threeelementsintoabusi- SpotsforclientsincludingGoDaddyand
nessallherown. Victoria’sSecretaswellasTVSeries&Specials

Anewtwistinthecreationof forVH-1andNBC.He’sastudentoftheinter-
herbusinessbuiltupona netofeverythingandachampionofitspossi
modelforsocialsuccess. bilities.

[email protected]

UtilizingFactoringToBridgeTheGap

TradeFinance

ByRobynBarret

Therearedifferingperceptionsof Inthemostcommonandsim-
whatismeantby“tradefinance”. plestform,asupplierextends
Manytermsareusedtodescribeit, tradetermstothebuyer,suchas
suchassupplychainfinance,trade net30or45dayterms.Thesup-
advance,dynamicdiscounting,and plierdeliversgoodsand/orser-
receivablespurchasing.However, vicestothebuyerandthensub-
therealityistradefinanceappliesto mitsaninvoiceforpayment.
everytransactionbetweenabuyer

andsupplier.Thisarticlewilllookat Inthissituation,thesupplieris
howtradefinanceeffectstheseller. essentiallyextendingaloanto

WhatisTradeFinance? buyerfor30daysormoreuntil

theinvoiceispaid.

Let’slookatwhatistradefinance. Thistypeoftransactionisre-
Tradeisdefinedas“theactionof ferredtoasan“openaccount”
buyingandsellinggoodsandser- transaction,whereasupplier
vices”.Unlesspaymentismadeim- allowsitscustomertobuyon
creditwithoutaformalborrowing
mediatelyupondelivery,every
tradeinteractioninvolvessomeform agreement.

offinancing.Whatdiffersiswhois
doingthefinancingandhowtheygo Thereisanopenorunpaidbal-
anceonthebuyer’saccountwith
aboutit.
thesupplier,forwhichthesup-

Eachtransactionisfinancedby plierexpectspaymentatafuture

either: date.Theriskofdefaultisborne

bythesupplier,becausethereis

•Asupplier; nosecurityorformalguarantee

•Abuyer; ofpaymentfrom thebuyer.

•Abankorotherfinanciallender

(e.g.,factor). 24

SupplierCashFlow NeedsandChallenges

Thisstructureplacesthecreditriskburdenontheshouldersofthesupplier
aswellastheburdenofeffectivelymanagingitsworkingcapital.Suppliers
needtomeetthecashdemandsofrecurringbusinessexpenses,suchas
payroll,butfaceagapbetweencashoutlayforexpensesandcashreceipt
from buyers.Intoday’seconomicenvironment,suppliersarefacedwithin-
creasingoperatingcostsandpressureonmargins,makingitdifficulttomeet
theworkingcapitalneedsofthebusiness.Inaddition,fundingbusiness
growth,includingpurchasingequipmentorinventory,expandingorrenovat-
ingfacilities,hiringstaff,etc.,createsevengreaterdemandsforcapital.

Atthispointthebuyerneedstobridge
workingcapitalneedsthroughdifferent
sourcesoffunding,including:

•Internalcashreserves
•Bankfinancing(commercialloans,
equipmentfinancing,linesofcredit,etc.)
•Factoringtheaccountsreceivable
•Sellingequity

Theoldadage“Cashisking”remainstrueforsuppliers.

Theavailabilityofliquidity,predictabilityofcashflows,

andthecostofworkingcapitalarekeyissuesformany

supplierorganizations.Thesetraditionalfundingsources

maynotbesufficienttomeetallofitsworkingcapital

needs.Thefinancialcrisisof2008and2009emphasized

thisvulnerability,ascreditandliquiditymarketsdried

up.Tradefinancesolutions,suchasfactoring,canensure

thesupplierhastheworkingcapitalavailabilityinplace

tomeetbuyer’srequestfortermsandpaynormalbusi- Author
RobynBarret
nessexpenses. 25

VenuesofNorthScottsdale

CompanyProfile

Foundedin2015,VenuesofNorth

ScottsdaleisArizona’spremier
event-productionproviderandex-
clusivevenuerentalagency,offer-
ingaccesstoprivatelyownedair-
planehangars,equestrianranches,
aclassictheaterandaluxuryexotic
carshowroom venueforhostingpri-
vateandcorporateeventstogroups
from 200to2,000insizefrom
acrosstheUnitedStates.

Consistentwithitsname,Venuesof
NorthScottsdaleprovidesanim-
pressivevenueportfolio,whichin-
cludesseveralairporthangarsof
varyingsizesandamenitiessuchas
luxuryclublounges,afullview
chef’skitchen,anoutdoorpool,a
secondstorydeckfacingthe
runway,andevenprivatefunction
spacedirectlyontheairporttarmac.

Boastingceilingsuptoandover30
feetwithexposedraftersand
hangarbaydoorsthatopentothe
airporttarmac,theairporthangars
inScottsdaleandMesaGatewayAir-
portslendopportunitytoeventplan-
nerstocreateafullycustomized
anduniqueatmosphere,unlikeany
ballroom couldprovide.

26

Itsproductionteam hasdecadesof
experienceoperatingafullspec-
trum ofeventtypesinmanydiffer-
entenvironments,from traditional
hotelballroomsandconvention
centerenvironmentstohighway
tunnels,openfieldsandurban
streets. 

Plannerscanalsoincorporatetheresi- Itsteam ofprofessionalshasserved
dentialairplanesintotheirdécororar- Fortune500corporateclients,
rangeforaVIPentrancefrom anarriv- sportsagencies,andprivatecelebri-
inghelicoptertoprovideaddedimpact. tiestoexecutemeetings andconfer-
Serviceablesurfaces,exposed-back ences,tradeshows,nationalbrand
designandrescuedobjectsofferthem- productlaunches,fashionshows,
selvesto acontemporaryvisual.Keep concerts,non-profitgalafundraisers
yourvenueunadornedorgetfunky andexclusiveprivatefunctions.
withflorals,initiatethingshugeartin-
stallationstoabsolutelychangethe  Bringingthislevelofexpertiseto
space. yourliveeventalwaysdeliversa
lastingimpressionwithyourguests.
Don’tbefrightenedtotakeagamble  Bykeepingupwithtrendsandtech-
whenitcomestodesigninganindustri- nology,guestsareimpressed
alizedvenue–exposingyourpersonal- beyondmeasure.Foroptimum re-
ityandcreating thespaceiswhat’s sults,onlyexpertdesignersand
goingtocraftbuildyoureventand technicalengineersareonthejob,
makeitunforgettable. consistentlydeliveringhighlyrated
eventexperiences.

Itisnotallaboutplanes,though.

VenuesofNorthScottsdalealsooffers

aprivatelyowned,20acre,Andalusian

equestrianranch,whichincludesa

30,000squarefootcoveredfunction

spacealongsidethestables,outdoor

lawns,andpre-functionareasforhost-

ingeventsamongstthebackdropof

thebeautifulSonorandesert. 27

NorthScottsdaleisledbyKarenMay, -beyondmeasure. Foroptimum re-
eventindustryveteranandrecipient sultsweplaceonlyexpertdesign-
ofrecognitionssuchas2016Trend- ersandtechnicalengineersonthe
setterforMeetingTodayMagazine, job.Asaresultweconsistentlyde-
“MeetingPlanneroftheMonth”April liverhighlyratedeventexperi-
2007from MeetingProfessionalInter- ences.

national,and“LifetimeAchievement

Award”December2010from Hospi- Operationallyweprideourselves
talitySalesandMarketingAssocia- onourquickresponsetime,quality
tionInternationalArizonaChapter. logistics,andvalueforeverydollar

Maymaintainsmembershipinthe spent.Weareconfidentthatyou
localchaptersofMPI,ADME,SITE, willfindourpricingtobeintelli-
HIP,ISES,PCMA,ESCAandAZSAE, gent,ourservicetobeexcellent,
andisthecurrentJobBankChairand andourprocessestobeespecially
PastPresidentoftheArizonachapter client-centric.

ofHSMAI.

AtVenuesofNorthScottsdale,we

consistentlycreatevisuallystunning

eventssuretoleavealonglasting

impressionforyourguests.Ourcom-

panycultureisasuniqueasthe

venuesweoffer.From firstcontact
ourteam membersworkcloselywith  Ourclientshavesharedthattheir
yourstakeholderstovisualizeyour experienceswithusdonotcom-
custom eventdesignthenmaintaina paretootherproductioncompa-
collaborativeapproachthroughevery niesinthebusinessandthereason
phaseofpre-productionuntilshow issimple. Wehavebeenproduc-
ingoverthetop,groundbreaking
day.
eventsforyearsandlovedoingso!

 Weprovideabsolutelyeverything, Formoreinformationonthese

from audiovisualservicestoHD venuesortoexploredatesand

video,setdesigntoroom décor,
stateoftheartlighting,softLEDcur- availability,visit
tainsandmore. Bykeepingupwith www.venuesofnorthscottsdale.com
trendsandtechnologywecanwow orcontact602.296.8000.

yourguests 28

independentbusinessmedia.com

PressReleases

ARIZONA FOSTER TAX CREDITFUND-

ING HELPSAGENCYLAUNCH NEW Onefosterfamilyassistedthroughthis

PROGRAM TO SUPPORTFOSTER PAR- program wrotetosay“I’m sogratefulfor
ENTS!
yourassistance.Thecostofmeetingthe

HomeInspectionrequirementsisa
Arizonaisalwaysinneedoffosterfamilies. burdenonthosewhojustwanttoHELP
Buttheroadtobecomingalicensedfoster thekiddos.Youtookthepressureoffof
homerequiresmanysteps-abackground
myback–exactlywhatisneededby
check,fingerprintclearance,fostercarepar- fosterfamiliesstrugglingtomakeends
entingclasses,ahomestudyandahome
meet.Thankyou!”
safetyinspectionbytheOfficeofLicensingand

Regulation.Theprocesscantake3to6 Accordingtorecentlypublishedreports,

almosthalfofallchildrenplacedinfoster
ArizonaHelpingHands(“AHH”)isthelargest careareinnon-licensed“Kinship”place-
providerofbasicessentialneedstoboysand ments.Thesecaregivers,frequently
girlsinfostercareintheStateofArizona.In grandparents,receivenogovernmental DroneTaxi’sinDubai

2016alone,theOrganizationprovided2,003 assistancefortheirserviceprovidingcare TheDubaiRoadandTransport
bedsandcribs,920birthdaypackages,cloth- andsupporttoyoungsterswhohaveex- Authoritiesannouncedthatitwill
ing,diapers,personalcarepackagesandmuch periencedtraumaanddisruptionintheir launchtheDroneTaxiServicein
moretoArizona’schildreninfostercare.“We shortlives.Withlimitedresources,the theSummerofthisyear.
arestaunchsupportersoffosterparents–
prospectofmeetingalltherequirements
thoseindividualswhochoosetoopentheir tobecomealicensedhomearedimin-
heartsandhomestochildreninneed,”Presi- ished.Itistrulyasacrificeforgrandpar- The"RemoteControlled",Single
dent&CEODanShufelttellsus.“Wewantthe entsraisinggrandchildrentobeaskedto Passenger,ElectricDronescan
roadtobecomingalicensedfosterhometobe expendhundredsofdollarsonthesees carryapayloadof100Kgplusa
lessofaburdenforfamilieswhomakethede- sentialitems. smallpassengerbadofreason-
cisionto#StandUpandhelpthesekids.” ableweightataspeedof100
mphfor30minutes.
“Weneedmorefosterfamilies”,Shufelt
AHHhasnowlaunchedanewprogram to
assistfosterfamiliesinmeetingtherequire- tellsus.“Webelievethisprogram isan- Afterbucklingintothedrone's
mentsoftheLIFESAFETYINSPECTION.Histori- othersteptowardimprovingthelivesof seat,theairbornevehicle'spas-
cally,familieshavehadtoexpendtheirown boysandgirlsinfostercareandensuring sengerselectsadestinationona
fundstomeetthe“checkthebox”itemson theyliveinasafehomeenvironment.” touch-screenpadinfrontofthe
theinspectionlist,includingmagnetizedcabi- Fundingforthisprogram camefrom dona- seat,andthedronefliestothe
netsafetylocks,carbonmonoxidedetectors, tionsthroughtheArizonaFosterTax destinationautomatically.
Creditprogram.Withnewlegislative
smokedetectors,fireextinguishersandacus- changesin2016,marriedcouplescan
tomizedfirstaidkit.AHHwillnowprovide Wouldyoutravelinone?
nowdonate$1,000toArizonaHelping
FosterLicensingAids,includingtheitemslisted Handsandreceiveadollar-for-dollartax
here,tofamilieswhoarefinishingtheirfoster creditfortheircontribution.Donorscan
licensingprocess.
alsocanclaim thetaxcreditontheir

2016individualtaxreturnfordonations
“Alloftheitemsonthelistrequireinterested madethroughApril15,2017.Shufelt
familiestoexpendtheirfundstoacquire.By says“Thissupporthasbeenalife
providingthesedevicesatnocosttofoster changerforArizonaHelpingHands.Ithas
families,wehopetomakeiteasiertobecome allowedustogrowourservicesand
licensed,resultinginadditionalhomeswhowill expandprogramsto#StandUpforthe
considertakingonthissoimportantrole”
17,000boysandgirlsinArizona’sfoster
Shufeltsays.
caresystem.

29

PressReleasesContinued

ScottFoundationLaunches10-for-10Challenge
toPairSponsorswithFosterKidsinYoungAdult
MasterclassProgram

Inhonoroftheir10thanniversary,thenonprofitischallenging
theArizonacommunitytoinvestinthefutureoffosterchil-
drenandsupportthem ontheirpathtoindependence.

CaveCreek,AZ-ScottFoundation,anonprofitdedicatedto
helpingfosterchildrenandat-riskyouthdevelopintonext-
generationthoughtandserviceleaders,isannouncingits10-
for-10Challenge,acampaigninvitingcommunitymembersto
donate$500or$1,000tosponsoroneof36teensinvolvedin
thefoundation'sYoungAdultMasterclassprogram.Thegoalof
theChallengeistoget10caringsponsorsforeachkidby
April12,theorganization's10thanniversary.

TheScottFoundation'sYoungAdultMasterclassprogram runs "Wehavejuststartedtheprogram andarealreadyseeing

forfouryearsandisdesignedtoholisticallycareforayoung theimpact,"saidColleenWalski,Author,FounderandCEO

person'ssocial-emotionalwellbeing,whilesettingforthapath oftheScottFoundation."Wealreadyhaveseveralsponsors

toindependentlivingandafutureofhope.Everyyearhasa matchedwithkids.Theresponsefrom bothhasbeenvery

specificfocusthatguidesthechildrenonasafejourneytoa emotional.Infact,onegroup-homeleadersharedwithus

moresuccessfuladultlife: oneofthematchedkidssaid,'Ican'tbelievesomeoneactu-

allybelievesinme!'whenshefoundoutshehadabeliev-

Year1:HolisticCareerPlanningandReadiness ingsponsoralready."

Year2:Work-LearnDream-ProjectExperience

Year3:ApprenticeshipandEmployment Overthelast10years,ScottFoundationhasbeencreating

Year4:Design-BuildIndependentLiving andadministeringprogramstohelpfosterchildrenbecome

ournext-generationthoughtandserviceleaders.Thenew

Eachsponsorgetstochooseoneofthe36kidstobematched YoungAdultMasterclassistheperfectopportunityforthose

with,andgetstofollowtheirstoryastheyprogressandmove inthecommunitywhodonothavetheabilitytoadoptor

theirwaythroughtheprogram.Upondonating,everysponsor fosterachild,butstillwanttohelp.

receivesapersonalthankyoucardfrom theirfosterchild,

showingtheimpacttheirinvestmenthasfrom dayone. FormoreinformationabouttheScottFoundationandthe

SponsoringafosterchildgoingthroughtheScottFoundation 10-YearAnniversary10-for-10Challenge,contactColleen

Masterclassprogram doesn'tcostathingandgivesthekids Walskiat480-688-9800orvisitwww.Scott-Foundation.org.

hopeknowingsomeonebelievesinthem.

30

31

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