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Offshore tax havens 18 RV trips75 Fab fashion on Costco.com82

Inside:119 digitalenhancements!(See page 5 for more info.)

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Have you downloaded the free

Costco Connection Newsstand

Edition? Its a tablet-friendly wayto take The Connectionwith you

when on the go, and delivers the

current issue as well as access to

dozens of back issues and cook-

books. Its available for tablets

and smartphones at the Apple

and Google Play app stores.

And dont miss the

official Costco App. This

free app is the best way

to manage all thingsCostco: from maps to

all Costco locations

and online shopping to

coupon delivery, photo

orders and QR-code

scanning. Its avail-

able at the Apple

and Google Play

app stores.

Digital editions of The Costco Connectionand other Costco publica-tions are available in the Online Editionand in the Newsstand Editionavailable for mobile devices.

The Online Editionopens to the current issue, with back issues foundunder the Back Issue tab and The Costco Way cookbooks underthe Resources tab.

The Newsstand Editionopens to the current issue in a library popu-lated with a mix of back issues and The Costco Way cookbooks.

Reader Survey:Complete a brief survey and enter a drawing for aCostco Cash card. Our reader survey is open to all Connectionread-ers looking to weigh in on our content or on Costco in general; oremail your comments anytime directly to connection@costco.com.

Advertising information: Media Kit (lite) BPA/ABC

Other resources: Special Events at Costco locations in your region

Kirkland Signature Wine ConnectionQuarterly updates about the Kirkland Signature

family of beer, wine and spirits at Costco Costco Beer, Wine and Spirits Locator

State-by-state look at what types of alcoholicbeverages are sold at different Costco locations

Costco Business Centers LocatorIncluding hours of operation and specialbusiness-center events

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WAREHOUSE ONLY | AVAILABLE NOWAccessories not included.

WAREHOUSE ONLY | AVAILABLE NOAccessories not included.

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5-hydroxytryptophan (aka 5-HTP) is an amino

acid that participates in the bodys synthesis

of serotonin the bodys chemical messenger

that plays a key role in enhancing mood andcontrolling appetite. A balanced level of

serotonin allows you to maintain a healthier,

more positive outlook. It is natures own elegant

solution to emotional blues and anxiety.

Natrol 5-HTP is extracted from the seeds of

the African Griffonia simplicifolia a natural

source of one of the bodys most important

mood stabilizers. Its controlled delivery systemsteadily releases 5-HTP. Use Natrol 5-HTP for

a more positive outlook, calm relaxation and

greater appetite control.

TIME

RELEASE

TIMERELEASE

PICK ME UP INTHE VITAMIN AISLE!

Rise & Shinewith all-day mood support

These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.

WAREHOUSE/COSTCO.COM | AVAILABLE NOWItem #447497

Visit Costco.com for other Natrol products.

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Think Costco First

Costco Services: Merchant Credit Card Processing

13EX0909 5/13

*Key entered transactions cost 3.49% plus 15 per transaction. Visa/MasterCard/Discover service is sponsoredthrough Elavon, Inc. A monthly minimum charge applies when transaction fees and per-item charges are less than$5 per month. Annual interchange or assessment increases by Visa/MasterCard or Discover may affect theserates. Rates and fees may change without notice. Rate and acceptance are subject to underwriting. Call Elavon at1-800-846-7395 for all terms and conditions.

No upfront or monthly fees for Costco Executive Members. A $25 application fee and $4.95 monthly statementfee apply for non-Executive Members.

Introducing Clear and SimplePricing.

Exclusively for Costco members.

PER SWIPE2.49%*

One swiped rate One keyed rate Its as simple as that.

Call 1-800-846-7395and refer to priority code 83212.Or, visit Costco.com and search: Merchant.

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CONTINUED ON PAGE 5

D E P A R T M E N T S

7 Front End BY GINNIE ROEGLIN AND DAVID W. FULLER

8 Dialogue Letters from our readers

11Fresh Views Brain food for the

entrepreneur

13 Consumer Connection BY DAVID AND

AMANDA HOROWITZ

15Financial Connection BY SUZE ORMAN

18Informed Debate Should offshore bank

accounts be taxable?

51For your health Travel snacks +

Hemochromatosis awareness

60Arts & Entertainment Book buyers picks

70Creative CookingUlitimate picnics

BY LAURA LANGSTON

94Member ConnectionEvery member has a

unique story.

F E A T U R E S

21 Money movesProper cash flow is an integral partof your businesss success.BY DON SADLER

47 Three cheers for chiaChia seeds have been recognizedfor a slew of health benefits.BY YAEL GRAUER

53 Heating up your looksNine beauty experts provide tips forlooking fabulous this summer.

57 Author exclusive: Karin SlaughterKarin Slaughter, author of 13 crimethrillers, including her latest, Unseen,talks about her muse. On page 59,she pens an exclusive essay forConnectionreaders.BY MIA GEIGER

61 Book Pick:Tell the Wolves Im Home

Carol Rifka Brunts debut novel tookon a life, and family, of its own.BY STEPHANIE E. PONDER

COVER STORY

Author Tom Wolfehas led a dandy life.

BY MATTHEW ROBB

Anauthorin full

JULY 2013/Vol. 28/No.7

A lifestyle magazine for Costco members

For your home

JULY 2013 e Costco Connection 3

Financial to-dos afterbuying your home 29

Furnishing a

home office 31Leon & Lulu 33

THISANDCOVERPHOTOBYMARKSELIGER

page

24

Buyers pick:Sofa trundle bed 35

Buyers pick:

Shaw carpeting 37Multipurpose

furniture 43

Leon &

Lulu 33

S P E C I A L S E C T I O N

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Dynamicrangeof music 105dBSPL

To find a Costco Hearing Aid Center near you,call 1-800-774-2678 or visitwww.costco.com/locations.

Digital cameras let us bring valuable moments into focus, capture them andshare them with others. Digital hearing instruments are not so different.

They allow you to focus on what you want and need to hear, and engage in

conversations with your loved ones, friends and colleagues.

Bernafons newest hearing instrument family, Acriva, helps you to bring those

valuable moments into focus again.

Focus on What You Want to Hear

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INSIDE COSTCO

79Member Services:Water delivery

This member servicedelivers fresh filtered

water to your homeor office.BY STEVE FISHER

82Buying Smart:Fashion clothing

onCostco.com

Mens, womens andchildrens clothing, nowavailable onCostco.com.BY SHERRIE NEWMAN

87Boston heroThe outpouring of sup-port and encouragement

for Costco employee JeffBaumangravely injuredin the Boston Marathonexplosionshas beenastounding and heart-warming.BY WILL FIFIELD

88 What's New92 Special Events93 Services Update

1. Engage with our interactive print issueThis option provides a way to view digital enhancements directly from the print edition througha technology known as digital watermarking.

Look for the mobile icon(right, orsimilar image), which indicatesadditional content, including videos,surveys, giveaways and more.

Instructions1. Downloadthe newest version of the free Costco app from the iTunes or Google Play app stores.2. Launchthe app, swipe the menu screen to the left and select the Code Scanner.3. Holdyour device 4 to 6 inches above the watermarked image or icon and let your camera focus.4. Waitfor the soundthe digital content will appear.

2. Browse the Online EditionIf you have a computer with an Internet connection,you can view The Connections Online EditiononCostco.com by clicking Current Issue on theCostco.com home page.

Readers using the digital editions of the magazine canclick on the icons and play buttons to view additionaldigital content.

3. Take The Connectionon the goFor tablets and smartphones, download The CostcoConnection Newstand Editionfrom the iTunes orGoogle Play app stores.

ways to interact withThe Costco Connection3

Ads with digital enhancementsdisplay a universal playbutton (right).

62 Colorful characterPamela Smarts detailedcreations add a wholenew dimension to thecoloring-book experience.BY J. RENTILLY

64 Global entertainmentActors from three internationalTV seriesFoyles War(England),Jack Taylor(Ireland) and MissFishers Murder Mysteries(Australia)speak with TheConnection.BY STEVE FISHER

69 Dont get soaked by your poolIt is possible to save money bytackling some basic elementsof pool maintenance yourself.BY ERIK J. MARTIN

73 Food safety in the summerPrevention on the plate is a matter

of simple and sensible steps.BY KAREN ASP

DIGITAL

CONTENT

Readers will find dozens of digitalenhancements throughout thismagazine, including:

Fight Back!, page13

Home-maintenance tips, page29

Leon & Lulu, page33

Karin Slaughter, page57

DVD previews, page64

RVing, page 75

JULY 2013 e Costco Connection

FEATURESCONTINUED FROM PAGE 3

75 RV craftySeeing the world throughthe lens of a movable home.BY BRAD HERZOG

77 Family fun ahoy!Cruise ships add moreactivities and adventuresfor the whole family.BY RALPH GRIZZLE

MEMBER SERVICE:1-800-774-2678

82 Buying Smart: Fashion clothing onCostco.com

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Think Costco First

Costco Services: Costco Auto Program

Costco members save on all new 2013 and 2014Volvo models and are eligible to receive:

Volvo Employee PricingIn addition to most publicly available manufacturer

rebates and incentives.

$500 Costco Cash CardFor completing a Redemption Form andCostco Auto Program member satisfactionsurvey after purchase.

On 2013 models, Costco members receive

an additional $750 OffVolvo Employee Pricing.

*To qualify for this offer, Costco members must: (1) Register with the Costco Auto Program to locate a dealership participating in this promotion; (2) Purchase orcomplete a factory order be tween April 15 and July 31, 2013; (3) Be a current Costco member as of March 1, 2013; (4) Submit a Redemption Form after purchase andcomplete a Costco Auto Program member satisfaction survey by phone to receive the Costco Cash Card by mail. Please allow up to 8 weeks for delivery followingsurvey completion. Costco and its affiliates do not sell automobiles or negotiate individual transactions. Tax, title and license fees are not included in the Costco price.Promotional details are subject to change without notice. Not all Volvo dealers participate in this promotion. 13EX0716 3/13

For complete details on this limited-time offer, visit

Costco.comand search:VOLVO2or call1-800-479-5746.

Limited-Time Volvo Offer*The Costco Auto Program presents a

Register today!

Costco membersmust purchase between

April 15 and July 31, 2013.

VOLVO S60

VOLVO XC60

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JULY 2013 The Costco Connection 7

The Costco Connectionis published by Costco Wholesale. Alleditorial material, including editorial comments, opinion and state-ments of fact appearing in this publication, represents the views ofthe respective authors and does not necessarily carry the endorse-ment of Costco Wholesale or its officers. Information in The CostcoConnectionis gathered from sources considered to be reliable, butthe accuracy of all information cannot be guaranteed. The publicationof any advertisements is not to be construed as an endorsement of

the product or service offered unless it is specifically stated in thead that there is such approval or endorsement. Products advertisedmay not be available at all locations at the time of publication.Publishing offices are located at 999 Lake Drive, Issaquah, WA 98027.Copyright 2013 Costco Wholesale.

PUBLISHER Ginnie Roeglingroeglin@costco.com

EDITOR David W. Fuller 425-313-8510dfuller@costco.com

DEPUTY EDITOR, DIGITAL

Stephanie E. Ponder425-427-7134sponder@costco.com

DEPUTY EDITOR, INTERNATIONAL

Tim Talevich 425-313-6759ttalevich@costco.com

DEPUTY EDITOR, U.S.

T. Foster Jones 425-313-6748Tod.Jones@costco.com

ASSOCIATE EDITORS

Lorelle Gilpin, Ottawa 613-221-2009Lorelle.Gilpin@costco.com

Sue Knowles, London 011-44-1923-213113sknowles@costco.co.ukSylvia Youngsun Yoo, Seoul 82-2-2630-2700sylviayoo@costcokr.comNora Wang, Taipei, 886-2-8791-9988-216norawang@costco.com.tw

ONLINE EDITOR

David WightDavid.Wight@costco.com

REPORTERS

Will Fifieldwfifield@costco.comSteve FisherSteve.Fisher@costco.comHana Medinahanamedina@costco.com

COPY EDITOR

Miriam Bulmer

CONTRIBUTORS

Adil Abergel, Rhonda Abrams, Karen Asp, Ben Bennett,Deborah Herlax Enos, Maria Bellos Fisher, Mia Geiger,

Rachel Goodwin, Yael Grauer, Ralph Grizzle, Rachel Hartman,Brad Herzog, Jenna Hipp, Susan Hirshorn, Amanda Horowitz,

David Horowitz, Chye-Ching Huang, Harold Lancer, Laura Langston,Heather Larson, Erik J. Martin, Christianna McCausland,

Daniel J. Mitchell, Sherrie Newman, Suze Orman, Orlando Pita,

Mayh Quynh, J. Rentilly, Matthew Robb, Don Sadler, Fran R. Schumer,Karin Slaughter, Stephen Sollitto, Paul Vachon, Jessica Wu

ART DIRECTOR Doris Wintersdwinters@costco.com

ASSOCIATE ART DIRECTOR Lory Williams lwilliams@costco.com

GRAPHIC DESIGNERS

Ken Broman, Bill Carlson, Susan Detlor, Steven Lait,Chris Rusnak, David Schneider, Brenda Shecter

PRODUCTION MANAGERPam Satherpsather@costco.com

ASSISTANT PRODUCTION MANAGER

Antolin Matsudaamatsuda@costco.com

COLOR SPECIALISTMaryAnne Robbersmrobbers@costco.com

ADVERTISING MANAGER

Jane Klein Shucklin 425-313-8277jshucklin@costco.com

ASSISTANT ADVERTISING MANAGER

Kathi Tipper-Holgersen 425-313-6581ktipper@costco.com

ADVERTISING COORDINATORS

Melanie Woods 425-313-2558mwoods@costco.comJordan Maughan 425-313-6969jmaughan@costco.com

ADVERTISING COPYWRITER

Bill Urlevich

NATIONAL ADVERTISING REPRESENTATIVES

West:Frank Colonno 201-962-2759fcmediapartners@optonline.netTexas:Nuala Berrells 214-660-9713nuala@sbcglobal.net

Northeast:Frank Colonno 201-962-2759fcmediapartners@optonline.net

Midwest:Harold Leddy 847-446-8764harold@leddyandassociates.com

Marshall Leddy 763-416-1980marshall@leddyandassociates.com

BUSINESS MANAGERJanet Burgess

CIRCULATION MANAGERRossie Cruz425-313-6715rcruz@costco.com

CIRCULATION / EDITORIAL ASSISTANT

Dorothy Strakele 425-313-6899connection@costco.comADMINISTRATIVE ASSISTANT

D. Ted Harris 425-313-2937dtharris@costco.com

COSTCO WHOLESALEP.O. Box 34088, Seattle, WA 98124-1088

999 Lake Drive, Issaquah, Washington 98027Fax: 425-313-6718

Email:connection@costco.com

from the publishers deskGinnie Roeglin

THIS ISSUE OF The Connectionhas a variety of articlesto help you make the most of the summer.

The summer travel and vacation season is in fullswing. Before you hit the road, be sure to read the tips forhealthy travel from certified nutritionist and authorDeborah Herlax Enos on page51.

If you enjoy road trips with your family, RV travelcould be an affordable way to see many sites in our beau-tiful country. Brad Herzog offers some great suggestionsand resources for RV owners on page75.If you are con-sidering purchasing an RV, be sure to check out CostcosRV financing program under Services onCostco.com.

Cruises are also a great choice, with activities for all. Costco Travel offers manycruise options, including Disney cruises featuring the AquaDuck water coaster;Norwegian Breakaways multistory Aqua Park and sports complex; and Royal Carib-beans surfing simulators and ziplining! You can read more about Costcos cruises onpage77 or by clicking on Travel onCostco.com.

July also means family gatherings, picnics and Fourth of July barbecues. Tips oncreating memorable outdoor feasts, recipes and important food safety advice to helpkeep your family healthy start on page70.

July is furniture month at Costco. In July, after the summer seasonal merchandiseis gone, we have space in our warehouses for our furniture collection. Our For YourHome section, starting on page29,is filled with helpful articles and a peek at someof our new items, including a multifunction sofa and several other multipurpose furni-ture items, such as home office systems, storage ottomans, trundle beds, armoire desks,media consoles and more, to help you cut clutter.Costco.com offers home deliveryand setup of additional furniture pieces and mattresses.

Finally, as we prepare to celebrate our countrys independence, we offer our sincerethanks to the brave men and women who have served our country. Happy Fourth of Julyfrom all of us at Costco! C

Ginnie Roeglin is Senior Vice

President, E-Commerce and

Publishing, and Publisher of

The Costco Connection.

FRONTend

from the editors deskDavid W. Fuller

LOOKING AT TOM WOLFE on the cover this monthmade me think of wildflowers, which made me thinkof something I call the lawn-mowing approach to man-agement. This is the approach in which all blades ofgrass (read: employees) are cut to an even height.

But where are the wildflowers?There is an understandably irresistible force within

a large-scale management (be it corporate or otherwise)

to aim for contentment within its workforce. Yes, we allwant to be happy. We all want our employees and co-workers, even our bosses, to be happy. But there is a big,

BIG difference between being happy and being content. Contentment has to do withliking the status quo.

No, repeat, no great advances in Western culture have ever been initiated by peoplewho were content.

Were the people boarding the colony-bound ships in 17th-century Southampton,England, content with their lot in Europe?

Were those who contrivedand, yes, connivedto construct Americas transconti-nental railroads content with the horse and buggy?

Was it contentment with their lot as earthbound creatures that drove Orville andWilbur Wright to help mankind take its first small hop into space?

And so it goes with the creation of great companies. Think of IBM, of General

Electric (built around the inventions of Edison), of Disney and, dare I say, Costco.The act or process of innovation carries within it a necessary dissatisfaction. A greatcompany endures, and is often transformed, with the help of the dissatisfied, the maver-ick, the nonconformist, the wildflower, the Tom Wolfes of the world. C

David W. Fuller is Assistant

Vice President, Publishing, andEditor of The Costco Connection.

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DIALOGUEletters

YES. [More U.S. manufacturing] would be avery good step toward improving the econ-omy and promoting jobs.

Viktoria LebidMadison, Wisconsin

NO.If a business can pay workers less in otherparts of the world for the same product, froman economical point of view it wouldnt makesense to pay an American worker.

Erin BrownMissoula, Montana

Member commentsGrandin scope

Great article on Temple Grandin [Seeing

in pictures, June 2013]. Not only was autismaddressed but also the work of Grandin andher influence on the humane treatment ofanimals.

It was gratifying to know that Costco hasconsulted her and, in turn, its suppliers, onimproving the methods of handling produc-tion of animal products.

M. Suzanne OliverSalisbury, North Carolina

So glad to see Temple Grandin showcasedin your magazine. She is truly a marvel and a

great role model for kids and adults withautism, using her gifts to better the world.

Michelle ReganSpring Valley, California

Insuring petsMaybe next time Kathy Paesano gets a

dog [Underwriting Rover, June 2013], inaddition to pet insurance, she will considerbuying from a reputable breeder. Or, better,yet, adopt an animal who needs a home.

Pet stores almost always get their puppiesfrom puppy mills where females are bred overand over again. They live in deplorable condi-tions with no thought given to breeding outdefects. As Ms. Paesano discovered, the pup-pies can come home with serious problems.

Ruth CliftonDoraville, Georgia

When we adopted a new puppy severalyears ago we considered pet insurance andcompared various policies and prices. Wedecided to self insure for unanticipatedexceptional costs by creating an automaticwithdrawal from our checking account into aseparate savings account for pet emergencyexpenses. So far we have accumulated over athousand dollars. The program seems to beworking well for us, and our dog.

Joe HilbermanLos Angeles, California

Losing itCouldnt help but smile as I read the latest

article by Marc Saltzman [Gadgets to help

shape a new you, June 2013]I have been using Lose It! for a little over

Debate goes onIn response to the JuneDebate, Are U.S. manu-facturing jobs still impor-tant to the economy?

This months Costco Connectionmagazine has an interview with HueyLewis [The heart of rock n roll, June 2013]. Awesome. #Sports.

Tweeted by Ben Goldsworthy @goldy17goldy

Theres a fascinating interview with Temple Grandin in the newCostco

Connection [Seeing in Pictures, June 2013]. What an inspirational woman forallcommunities!Tweeted by Outrageous Zak @ToxZak

Connectioncomments fromthe Internet

Have something to say?Readers are encouraged to submit letters toour editors on any topic or issue covered inThe Connection. Please include your fullname and phone number or address. Send anemail todialogue@costco.com;or write to:Dialogue, The Costco Connection, P.O. Box34088, Seattle, WA 98124-1088; or fax to (425)313-6718. The editors reserve the rightto edit letters for publication.

Advertising andWatermarks inThe Connection

To read digital watermarked contentavailable in select articles and ads,download the newest free Costco appfor Apple devices at the iTunes appstore, or for Android devices at theGoogle Play app store; then scan asdirected in the magazine.

Editorial Advertising

All ads indicate whether a productis available in the warehouse, onCostco.com or both.

Products are scheduled to be availableduring The Connections month ofpublication and are noted as in ware-house early in month (1st to 10th),mid-month (11th to 21st) or latein month (22nd to 31st).

Shop early in the month for the bestselection of seasonal items.

Costco.com carries few of the productsavailable at the warehouses, but offers3,500 additional items, including lineextensions and supplemental products.

Prices are usually not listed becausethey have not been finalized at thetime of printing and may vary fromone part of the country to another dueto shipping costs. We hope membersknow to check Costco first when com-parison shopping.

To keep prices low, Costco does

not offer a telephone service allowingmembers to call in for prices orproduct availability.

WHAT DO you think of this issueof The Connection? Tell us and youcould be one of five winners of a$50 Costco Cash card! Complete our

anonymous reader feedback survey bygoing to Costco.com, scrolling to thebottom of the page and clicking onCurrent issue of The Connection.Then click Reader Survey on the wel-come page on the right. Upon comple-tion of the survey, you will have theoption to enter the drawing.

MONTHLY READER SURVEY

Win a $50 CostcoCash card

Tablet or smartphone?Scan or click here to fillout the survey. (See belowfor scanning details.)

CONTINUED ON FOLLOWING PAGE

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two years. Originally, it helped me lose about60 pounds in a little less than a year. Since thenI have been using it as a maintenance tool.Once you get the habit of accounting for every-thing you eat or drink, it is a hard habit to breakand it keeps you honest with yourself. Somedays thats toughespecially on a Costco shop-ping day with all those samples.

Edward J. KantNaples, Florida

Sleep solutionI was very surprised that your article on

Sweeter Sleep for Seniors in the June issuedid not mention sleep apnea and a sleepstudy. After taking medication for almost ayear to help me sleep my doctor decided Ishould have a sleep study. I am a very healthyperson, but I found out that I stopped breath-ing 31 times in the four-hour period and myheart stopped four times. I was an ideal can-didate for a CPAP (continuous positive airpressure) machine. I have never slept betterand am sold on this machine. (My husbandsleeps better also, since I am no longer snor-ing.) A sleep study is an excellent diagnostictool and is covered by Medicare.

Judy ReallTrout Creek, Montana

Unlimited abilitiesThanks so much for the inspiring article

JORGE CRUISE, New York Timesbest-selling author withmore than 15 books in print, is inviting female Costcomembers to try his new diet program, Slim Happy Belly,as part of a new challenge to help women over 40 bal-

ance their hormones and lose weight long term. Basedon the latest dietary science of sugar caloriesthe onlycalories that Cruise says truly countthis programwill help reset insulin and serotonin sensitivity, allow-

ing participants to lose up to 9 pounds a week, all while feelingtheir best. For four weeks, Cruise will share his exclusive new program, which will

be available nationwide in 2014. He invites Costco members to take the challenge andsee what a difference this diet can make.

If you are a female Costco member over 40 years of age, you can fill out a form atwww.slimhappybelly.com, where you will also be invited to submit a before picture viaemail. The Slim Happy Bellyplan will then be mailed directly to you.

A challenge forCostco members

[More than able, May 2013]. I made a posterout of the pictures with a caption: Amy, whatis your excuse? I hung it up to remindmyself of the courage these athletes portrayand what amazing individuals they are.

Amy Jo HolobynWinter Park, Florida

I was excited to read about the opportuni-ties for the disabled in athletics. As a paraple-

gic for 22 years I would like to point outequestrian sports, in which there is riding andalso carriage driving. In carriage driving youcan compete on an equal basis with everyoneelse, whether disabled or not (United StatesDriving for the Disabled; www.usdfd.org). Ihave competed internationally for Team USAfive times in this wonderful all-inclusive sport.

Diane KastamaArroyo Grande, California

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JULY 2013 e Costco Connection 11

IF YOU OWN a small business, are you more of

a leader or more of a manager? As an

entrepreneur, you need to be both, but these

roles require different approaches.

A leader looks at the big picture, sets

high-level goals and strategy, establishes

clear standards and values, motivates,

identifies opportunities and threats on a

business-wide level, measures success at the

financial and strategic level, and empowers

others to take action.

A manager looks at the details, identifies

tasks for employees and the organization,trains or arranges for training, solicits input

from others on how to improve operations,

identifies opportunities and problems on

an operational level and measures success

at that level.

As management guru Peter Drucker

once said, Management is doing things

right. Leadership is doing the right things.

A business needs both.

In big corporations, you often have two

different people handling these roles: the

CEO (chief executive officer) setting direction

and vision; the COO (chief operating officer)

making sure decisions get executed properly.

In your small business, its unlikely you

have that option. You have to be able to

switch back and forth between the two roles.

If you are only a manager, your focus

is too short-sighted. You dont provide the

Leader ormanager?

R H O N D A A B R A M S : S T R A T E G I E S

Rhonda Abrams

newest book is

Entrepreneurship:

A Real-World

Approach. Register

for her free busi-

ness-tips newsletter

at www.planning

shop.com.

vision your company needs to survive

and grow. Youll find youre not responding

to changing conditions, not developing

new business, not keeping up with the

competition. And your employees maynot feel motivated or engaged.

If you are only a leader, your vision is

too grand. You dont provide the day-to-day

oversight and guidance needed to make

sure things are being done on time and

on budget. Customer service slips; profit

margins shrink. Employees may feel

you dont notice or care about their

personal performance.

Lead and manage. Entrepreneurs

generally excel at one but not both. As a

business owner, you need both skills. Its

a tough job, but you can do it! C

BY 2050, MINORITIES will represent54 percent of America, yet most Americanbusiness leaders remain uninformed aboutwhat diversity means to business, leavingthem unable to inspire innovation in theirdiverse workforce and multiply the equityof their brands. So says Irvine, California,Costco member Glenn Llopis (www.glennllopis.com), an author, business consultantand executive coach, who advocates fora new cultural paradigm.

Those uncomfortable with the new rolethat diversity management plays in the work-place and the marketplace must recognize

that it is no longer a choice, he says. Thedemographic shift in America demands it.Llopis offers these tips for drawing the

best results from a more diverse workforceand customer base.

Become more culturally intelligent.

Cultural intelligence is critically importantfor business, leadership and the advance-ment of humanity. Dont guess. Know thecultural sensitivities of your target audience.

Get comfortable talking about diversity.Approach diversity management not only

as an ethical responsibility, but also as abusiness strategy. Allow diversity to enablenew marketplace opportunities, more inno-

vation, recruitment of toptalent and leadership, andunprecedented growthand profitability. Always be

aware of how diversity affectsyour business.

Talent and business devel-

opment must become

interdependent.Companiesthat recruit and retain employ-

ees from the diverse talent poolmust now translate those effortsinto the design of new busi-

More in archivesOn Costco.com, enter Connection.At Online Edition, search RhondaAbrams.

FRESHviews

Diversity:the new businessgrowth enabler

WOMEN-OWNED businesses are one of the

fastest-growing segments of new business

in our economy. To help support their growth,

the Small Business Administration, along

with American Express OPEN and Women

Impacting Public Policy, has launched

ChallengeHER, a national initiative aimed atboosting government contract opportunities

for women-owned small businesses.

ChallengeHER helps women business

owners successfully compete in the govern-

ment contracting marketplace by offering:

Free events and workshops

across the country

An online curriculum and resources

that address various government

contract topics

Mentoring opportunities with

experienced women contractors

Access to government buyers

and prime contractorsFor more information, check out the

ChallengeHER website at www.wipp.

org/?ChallengeHER. CCONTINUED ON PAGE 12

Empoweringwomen-owned

businesses

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12 e Costco Connection JULY 2013

ness models to authentically serve changingdemographics and diverse populations. Startby shifting your focus and managing diversitynot as a cost center, but to generate new reve-nue opportunities.

Create a best-place-to-work environment.

When workplace values are aligned withthe diverse representation of cultures in the

workforce, loyalty, retention, engagementand productivity increase. Begin to managethe workplace as a cultural mosaic versus adisconnected melting pot of talent.

Promote authentic best practices versusinauthentic initiatives.

Diversity initiativeshave historically been all about the representa-tion of employee statistics. Instead, definediversity best practices based on shared valuesthat continuously strengthen the workplaceculture and empower individuality to supportcompany goals.

Think profit center, not cost center.Whenyou view diversity as your new businessgrowth enabler, opportunities will multiply astalent productivity increases and market sharegrows. When leaders begin to see the real

value of diversity as a growth enabler, it will

shift from being a traditional cost center to acritical time-sensitive profit center.

Focus on significance, not just success.Leaders who are successful at sustaining adiverse culture in the workplace and earningculturally relevant relationships with diverseconsumers are the ones who focus on thelong-term impact for their business, not justthe short-term success stories that quickly losemomentum. Define the narrative for the rolediversity will play in helping you grow yourbusiness. Define a measurable matrix andclosely monitor and manage the outcomes.

It takes time and effort, but soon you willbe defining the diversity business case studyfor success and significance in your businessand industry. C

DIVERSITYCONTINUED FROM PAGE 11

Define therole diversitywill play in

helping you growyour business.

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JULY 2013 e Costco Connection 13

Have a question for Fight Back?Just log on to www.fightback.comor email info@fightback.com.Questions andanswers of the greatest interest to Costco members will be used in this column(with the permission of the contributor) and will be posted on www.fightback.com.

2013 AMANDA HOROWITZ MEDIA, LLC ALL RIGHTS RESERVED

CONSUMERconnection

WANT TO BUY American-made products? Howcan you tell if a product is really Made in the USAlike it claims?

The Federal Trade Commission (FTC) is thenations consumer protection agency. In order for aproduct to claim it is Made in the USA in itsadvertising or on its packaging, it must complywith the FTCs Enforcement Policy Statement,which aims to protect consumers from being mis-led. The FTC regulates whether Made in the USAclaims are truthful.

FTCs Enforcement Policy Statement requiresany Made in the USA claim to be unambiguous sothat it leaves an accurate impression on consumers.With very limited exceptions, this policy applies toall products advertised and sold in America. Other

laws apply to fur, woolens, automobiles and textiles.Under the FTCs Enforcement Policy Statement,a product must be all or virtually all made inAmerica, meaning that only a small amount of for-eign content is used in making the product.Products are evaluated on a case-by-case basis, andthe FTC considers different factors, depending onthe product. Where the final assembly of a producttakes place and how far back in the productionchain the foreign content is used is taken into con-sideration.

Companies must be able to document anyMade in the USA claim they present. Document-ation depends on the specific product thats being

evaluated. Using symbols such as a flag or map ona product label might convey a Made in the USAclaim and are looked at in the context in whichtheyre used.

More in archivesOn Costco.com, enter Connection;at Online Edition, search

David Horowitz.

Avoiding propertytheft from your car

A THIEF CAN smash a car

window and steal your per-

sonal property in a matter of

seconds. Personal-property

thefts from automobiles can

be avoided by taking the

following precautions:

Dont leave valuablesin your car unattended. Its

not enough to hide items in

the trunk, in the center con-

sole or under the seat, or to

cover them with a towel.

Thieves case parking lots to

see where a potential victim

hides valuables so they can

be easily accessed.

Dont leave mail inyour car. A thief can use

financial statements and

other personal information to

steal your identity.

Dont keep your vehi-cle registration card in your

car. A thief can use it to make

a fake title and get a title loan

against your vehicle. Keep a

copy of it on your person and

the original in a safe place.

Dont leave an emptyGPS mounting device or elec-

tronic cables and accessories

in your car. Its a hint you

have electronics inside.

Park your vehicle inwell-lit areas with pedestrian

traffic.

Activate your caralarm as a deterrent.

Always lock your vehi-cle and close your windowsand your sunroof.

Dont leave house keysor a garage door opener in

your vehicle. A thief can steal

property from your vehicle

and your home.

CPlease note that we at Fight Back! are not licensedprofessionals in any field. If you are seeking advice,you should consult with your own licensed professional.We do not assume any liability or responsibility forthe interpretation, application or accuracy of anyinformation provided.

Red, white and trueIf you suspect a violation of Made in the USA

claims requirements, you can file a complaint withthe FTC at www.ftc.gov. However, evaluatingwhether a Made in the USA claim is false can bedifficult. Julia Solomon Ensor, enforcement attor-ney at the FTC, says, The accuracy of a Made inthe USA claim is extremely difficult for a consumerto verify. A consumer is unlikely to be able to deter-mine whether a Made in the USA claim is true orfalse simply by looking at a product.

Most complaints of Made in the USA labelingviolations submitted to the FTC are filed by com-petitors. Companies often have insights into theircompetitors manufacturing and importing that thetypical consumer would not have. As a result, thesecompanies can more effectively evaluate the truthof their competitors claims, and file complaintswhere appropriate, Ensor says.

If the FTC determines that a Made in theUSA claim is deceptive, a business can be fined orthe agency can ask for consumer redress.

While Fight Back! does not endorse the follow-ing websites, they contain information onAmerican-made products that may be useful: www.madeusafdn.org, www.madeinusaforever.com andwww.americansworking.com.

Buying American owned

Just because a companys products areAmerican made doesnt mean the company isAmerican owned. For example, Firestone and7-Eleven are foreign-owned companies.

If buying American-made products made byAmerican-owned companies is important to you,you will have to do some research into a brands par-ent company. There are paid services online that pro-

vide information. However, you can get informationon your own, free, with a simple online search put-ting in the terms xyz parent company or xyzowned by. Google Finance, the U.S. Securities andExchange Commission and your Secretary of Stateswebsite are some other helpful resources.

What do you do to be a proactive consumer?Send us your photos, videos and comments on Face-book, Instagram and Twitter marked #IFightBack#Costcoand well retweet and share them. C

Tablet or smartphone?

Scan or click here to watch a classicFight Back!clip. (See page 5 forscanning instructions.)

AMANDAHOROWITZMEDIA,LLC

David Horowitzis

a leading consumer

advocate. Davids

daughter Amanda

Horowitz is the

CEO of Fight Back!

and co-founder of

FightBack.com.

Email David and

Amanda atinfo@

fightback.com.

FightBack!

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JULY 2013 e Costco Connection 15

you could pay if you rolled over the money into anIRA at a discount brokerage or fund company andbuilt a solid diversified portfolio from low-costfunds and ETFs.

It is fine to work with an adviser, but I sure hopeyour adviser didnt recommend a rollover becausehe or she would earn money from commissions onreinvesting your money. It is smarter, in my opinion,to work with a fee-only adviser, to whom you pay aset amount of money. That way the adviser can giveyou the best advice, not advice that will generatecommissions.

If you do decide on an IRA rollover, I encourageyou to think about converting the money into aRoth IRA. You will owe tax on the convertedamount, but once the money is in the Roth IRA youwill have the ability to make tax-free withdrawals. Itis vitally important to work with a tax pro with Rothconversion experience. You dont need to converteverything at once; a smart tax adviser will workwith you to minimize the tax hit.

I have about $50,000 in CDs that are maturingthis month, and reinvesting sounds ludicroussince they are earning only 0.3 percent today.I am 70 years old and dont want to invest inanything risky or that I cant get out of with-out too much difficulty.

Tal P., Orlando, Florida

IF THIS IS MONEY that you want to keep safe andsoundand liquidthe reality is that you will needto accept earning next to nothing. Because of FederalReserve policy, interest rates on federally insuredbank depositssuch as CDs and savings accountspay very little. And the Federal Reserve has indicatedit intends to keep those rates low through 2015. Iunderstand how frustrating that is for savers such as

yourself; back in 2008, you could earn close to 4 per-cent on a one-year CD. Today, you can typically earn0.25 percent. But if your priority is safety, you mustrealize that anything paying more carries some risk.

If you dont need that $50,000 for living expensesin the next few years, and if you are willing toassume some risk, I recommend that you learnabout dividend-paying stocks. Many solid blue-chipcompanies not only have dividend yields of 3 per-cent, they also have a history of raising the dividend.That creates a rising income stream for investors.There are low-cost ETFs that focus on dividend-paying stocks.

Of course, all stocks can be volatile. So I want to

stress, people should never invest money in stockseven dividend-paying stocksif there is any chancethey will need to cash out their investment within 10years. C

Email your personal-

finance questions to

suze@costco.com.

Please include

Suze Orman Q&A

in the subject line; or fax to

(425) 313-6718;ormail to

Q&A with Suze Orman

The Costco Connection

P.O. Box 34088

Seattle, WA 98124-1088.

Suze will answerselected questions in

this bimonthly column.

She regrets that

unpublished questions

cannot be answered

individually.

Suze Ormans TV

show airs Saturday

nights on CNBC. Suze

can be contacted at

www.suzeorman.com.

By Suze Orman

I am a teacher paying 9.4 percent of my sal-ary to a teacher retirement fund for my pen-sion. In addition, I have a 403(b) retirementaccount through my employer and a RothIRA. My district does not have any kind ofmatching program for 403(b) contributions.Recently, I stopped contributing to the 403(b)plan so that I could contribute the maximumamount to my Roth IRA before my husbandand I reach the income limits for marriedcouples filing jointly. Its my plan to reestab-lish contributions to my 403(b) account whenI am able. Is this the correct decision? Or is itbetter to contribute smaller amounts to boththe 403(b) and the Roth IRA?

Muffy P., Arlington Heights, Illinois

BECAUSE YOU DO NOT receive a matching con-tribution from your employer, you should focusyour savings on maxing out on your Roth IRA first.

And promise me that your Roth IRA is investedin no-load, low-cost mutual funds or exchange-traded funds (ETFs). You can build a smart diversi-fied portfolio with low-cost funds and ETFs that

charge an annual expense ratio of around 0.5 percentor less.We tend to focus on returns, while not appreci-

ating the impact low fees can have. Consider that$5,500 (the 2013 IRA contribution limit if you areyounger than 50) invested for 25 years in a portfoliowith an average expense ratio of 0.50 percent wouldgrow to about $297,000, assuming a 6 percent annu-alized gross return. If the same amount wereinvested in a portfolio with an average expense ratio

of 1 percent, your savings would grow to about$275,000. Paying attention to fees is a great way tomake more money.

I am a 42-year-old teacher living in NewJersey. I am currently pursuing a teachingposition closer to where I live. New YorkCity wouldnt grant me a leave, so I retired.I was told by my union to leave my 401(k)where it is, and Im not sure if that is thesmartest move. I have a portfolio with FirstInvestors, and my adviser told me it mightbe smarter to roll it over.

Anne S., New Jersey

AS I JUST EXPLAINED, the advantage ofinvesting outside an employer-provided plan is

that you have the freedom to pick your owninvestments. You need to compare the expenseratios and any other fees you are paying to keepyour money in your ex-employers plan to what

AskSuze

Orman

BRIANBOWENSMITH

Also:

Stay with CDs?

FINANCIALconnection

More in archives

On Costco.com, enterConnection. At OnlineEdition, search

financial connection.

Investing in education

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18 Te Costco Connection MARCH/APRIL 201118 Te Costco Connection JULY 2013

from members:

from members:

YES

NO

Mike BennettSan Jose, CA

If I have alreadypaid my taxes onmoney earnedhere, where Iplace it is my

business.

Robert VaughnHillsboro, MO

The U.S. economyneeds the incomefrom taxes on moneearned in the UnitedStates.

Douglas ReedAlbany, OR

Taxes are paid incountry, then [themoney is] sent tosafe havens abroad

Any interest accruedabroad should not be taxed inthe USA.

Debbie VargasDearborn, MI

Only the very wealthcan afford to haveoffshore accounts. A

the only reason to han offshore accountto avoid taxes.

John MartinSchertz, TX

These accounts arelegal and supportthe operations ofmany insurancecompanies and

large investment companies.

David MozesLas Vegas, NV

Offshore banksshould be on equalfooting with domes-tic banks so that oudomestic banking

system can remain strong.

A JOURNALISTIC ORGANIZATION recently leaked 2.5 million filesdetailing secret foreign bank accounts and shell companies, whichhas reignited controversy about banking money abroad in order topay less or no tax on it.

Those who support the practice say it encourages better alloca-tion of capital, more saving and investment and allows a measure ofprotection for savers and investors while discouraging political greedthrough tax competition.

Opponents argue that it drains much-needed U.S. revenues andputs firms and individuals who dont have access to sophisticated taxexpertise at a disadvantage.

What do you think?

Should offshore bankaccounts be taxable?

Find out more about this topic on the Web:

www.cgdev.org (search: The end of tax havens

but will developing countries benefit?) www.icij.org (search: offshore documents)

www.wikipedia.org (search: tax haven)

SHUTTERSTOCK.C

OM

INFORMEDdebate

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JULY 2013 Te Costco Connection 19

from an expert in the field:

from an expert in the field:

Chye-Ching Huangis a senior tax policy analyst at the Center on Budget andPolicy Priorities (www.cbpp.org).

Daniel J. Mitchellis a senior fellow at the Cato Institute (www.cato.org).

Opinions expressed are those ofthe individuals or organizationsrepresented and are presentedto foster discussion. Costco andThe Costco Connectiontake noposition on any Debate topic.

JUNE

DEBATE RESULTS:

Are U.S. manufacturingjobs still important to

the economy?

MAY DEBATE

RESULTS:

Is golf a sport?

YES: 59% NO: 41%

Percentage reflectsvotes received by

May 31, 2013.

Percentage reflects votesreceived by June 11, 2013.

98%YES

2%NO

THE USE OF tax havens byindividuals and corpora-tions hurts the Americaneconomy.

It undermines competi-tion, because it gives inter-national companies with

access to sophisticated tax advice an advantageover smaller and domestic companies that cantstash their profits offshore in low-tax countriestax havensto avoid tax.

It drains the United States of tax revenues thatcould be used to reduce deficits or invested incritical needs, including education, healthcare andinfrastructure. Many local businesses and ordi-nary Americans are already feeling the effects ofthe sequester cuts to domestic spending, in areasranging from children losing Head Start to seniorslosing Meals on Wheels. Yet multinational corpo-rations and wealthy individuals are allowed to usetax havens to avoid paying taxes that could helpforestall these harmful cuts.

And, its unfair to individuals and businessesthat pay their fair share of U.S. taxes.

Although tax havens are offshore, U.S. policy-makers could and should act to stop U.S. citizensand corporations from using them to avoid taxes.

Policymakers could provide the InternalRevenue Service (IRS) with the funding it needs to

ensure that people pay the taxes they owe, includ-ing sufficient funds to detect filers who are usingoffshore accounts to avoid paying their taxes.

Instead, Congress recently has starved the IRSof funds for administration and enforcement,including subjecting it to the sequester. FormerIRS commissioner Douglas Shulman estimatedthat such IRS budget cuts could reduce tax revenueby seven times as much as the cuts would save.

Policymakers could also close the loopholesin the U.S. tax code that allow companies toreduce their tax bills by moving their profits to taxhavens.

Instead, some U.S.-based multinationals wantto change the tax code to make shifting profits totax havens morelucrative by implementing a ter-ritorial tax system. Such a system would effec-tively lower the U.S. tax rate on profits kept in taxhavens to zero (or almost zero), thereby givingcompanies an even bigger incentive to use account-ing techniques to claim that they earned their prof-its in tax-haven countries. That change wouldfurther drain revenues, and domestic businessesand individual taxpayers could end up shoulder-ing the burden of making up the difference.

Policymakers have the ability to keep peopleand companies from using these offshore accountsto skirt their obligations as U.S. taxpayers. Theyshould use it. C

POLITICIANS HAVE ANunfortunate tendency tooverspend and overtax.When they do this for ashort period, growth in theproductive sector of theeconomy tends to diminish.And if they overtax and

overspend for a long period, you suffer the kind offiscal crisis we now see in so many Europeannations.

Thats not what any of us want, but how canwe restrain politicians? Theres no single answer,

but tax competition through tax havens is one ofthe most effective ways of controlling the greed ofthe political elite.

We know that taxes are onerous in Californiaand Massachusetts, but imagine how much worsethey would be if the politicians in those statesdidnt have to worry about investors, entrepre-neurs and small-business owners escaping tozero-income-tax states such as Nevada and NewHampshire?

The same principle applies on a global basis.Nations with pro-growth tax systems, such asSwitzerland and Singapore, attract jobs and invest-ment from uncompetitive countries such as France

and Germany. These tax havens force the politi-cians in Paris and Berlin to restrain their greed.

Some complain that these low-tax jurisdic-tions make it hard for high-tax nations to enforcetheir punitive tax laws. But why should the juris-dictions with good policy, such as the CaymanIslands, be responsible for enforcing the tax law ofgovernments that impose bad policy?

In any event, the best way to reduce tax eva-sion is to institute lower tax rates and tax reform.If the United States had a flat tax, for instance, wewould enjoy much faster growth and we wouldattract trillions of dollars of new investment. We

would be the tax haven, and thats a good thing!In addition to promoting good fiscal policy,tax havens also help protect human rights. Mostof the world still lives in nations where there ispolitical oppression, economic instability and per-secution of minorities. Tax havens help thesepeople protect their assets from venal govern-ments. To cite just a few examples, tax havensoffer secure financial services to political dissi-dents in Russia, ethnic Chinese in Indonesia andthe Philippines, Jews in North Africa, gays in Iranand farmers in Zimbabwe.

The moral of the story is that tax havensshould be celebrated, not persecuted. C

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