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IRS Impersonators Calling Iowa/Illinois Consumers PDF Print E-mail
News Releases - General Info
Written by Better Business Bureau   
Friday, 07 November 2014 14:25

IRS impersonators are making their rounds throughout our service area. BBB is receiving numerous calls from consumers who are inquiring about the legitimacy of a call from someone claiming to be from the IRS.  The impersonator states that the IRS is pursuing a lawsuit against the consumer for “back taxes,” and they are demanding payment via prepaid money card or a wire transfer.

Those who don’t answer their phone are left with a threatening message to call them back at 202-864-1213. Scammers often target the elderly or immigrant population. Some of the threats include jail time, deportation or suspension of the victim’s business or driver’s license.

BBB offers the following tips to protect you from the IRS scam and others like it:

  • Don’t wire money to people you don’t know. The IRS will never ask for payment over the phone. Furthermore, they will never ask for payments by wire transfer or prepaid debit card.
  • Just hang up. Don’t engage in conversation with a scammer. A scam artist is often cunning. They may extract information from you the longer you engage in conversation with them.
  • Never give out your personal information. Caller ID spoofing makes it very easy for callers to pretend to be someone else. You should never give anyone your credit card, social security number or bank account information if they are soliciting you.
  • Call the IRS/ or company directly. If you owe taxes or think you might owe taxes, call the IRS at 1-800-829-1040. An IRS employee will help you with payment issues. Verify legitimate phone numbers on company websites or in the phonebook.


About Better Business Bureau: BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. All BBB services to consumers are free of charge. BBB provides objective advice; free BBB Business Reviews on more than 4 million businesses, 11,000 Charity Reviews, dispute resolution services, alerts and educational information on topics affecting marketplace trust. BBB Serving Greater Iowa, Quad Cities and Siouxland Region was founded in 1940 and is one of 112 local, independent BBBs across North America.

Why and how to understand ISIS PDF Print E-mail
News Releases - General Info
Written by Jan Oberg   
Friday, 07 November 2014 11:51

One can neither solve a conflict nor a problem - or get rid of it - without a proper understanding of its root courses and features. Just condemning ISIS because it is brutal brings us nowhere near a solution.

Understanding is necessary and doesn't mean legitimising or supporting.

Understanding is simply smart. Condemnation may make you feel morally superior - but in this case also ignores the fact that there are many actors in our world who have killed many more people than ISIS has.

Condemnation is a deadend if you want to solve an issue, serves only to legitimise the present bombing - where there are better ways.

A doctor also doesn't just condemn a patient or curses the cancer cells; she or he deals professionally with a problem to be solved and a human being to be healed. Thus diagnosis, prognosis and treatment.

In its 29th year, TFF preactises this simple philosophy.

That's why this independent foundation can continue to deliver some of the most precise diagnoses and solutions - some 7000 articles on its website - where other get emotional for or against this or that party and ends up being trapped in advocating violence.

Here follows expert contributions from TFF Associates and we appreciate you reading, re-posting and you economic support if you appreciate:

Farhang Jahanpour

The threat of ISIS should be taken seriously

Farhang Jahanpour

Al-Baghdadi, self-proclaimed caliph of the Islamic State

Farhang Jahanpour

ISIS in a Sunni-Shia perspective


Johan Galtung

ISIS - Negotiations, not bombing

Johan Galtung

Christianity versus Islam - Countercyclicity

Johan Galtung

The Sunni-Shia conflict: Any solution?


Jan Oberg

Instead of Bombing ISIS - Part A: Some principles

Jan Oberg

Instead of bombing ISIS - Part B: 27 proposals

(In Danish: Her er dine alternativer til krigen, Helle)

Jan Oberg

The war on terror. A predictable fiasco

The Passing of Representative Lane Evans PDF Print E-mail
News Releases - General Info
Written by Various Sources   
Friday, 07 November 2014 09:46

Funeral Arrangements set for Former U.S. Rep. Lane Evans

Funeral arrangements for former U.S. Rep. Lane Evans are as follows:

* Visitation will be from 12 noon-6:00 p.m. at Esterdahl Mortuary (6601-38th Avenue in Moline) on Saturday & Sunday, November 8 & 9.

* Funeral will be at 10:00 a.m. on Monday, November 10, at Sacred Heart Church (1608-13th Street in Moline).

Former U.S. Rep. Lane Evans, who represented the 17th Congressional District from January 1983 through 2006, passed away November 5th after a long, courageous battle with Parkinson’s Disease.

Evans, who was born in 1951, graduated from Alleman High School and served in the Marines from 1969-71. He graduated Magna Cum Laude from Augustana College in 1974, and earned his law degree from Georgetown University Law Center in 1977.

Throughout his congressional career, he was lauded as a champion of organized labor and veterans. In 2010, the Navy Operational Support Center on Arsenal Island was officially renamed the Lane Evans Navy and Marine Corps Reserve Center.

He won every one of his congressional campaigns, starting with his 1982 victory against Ken McMillan. His final win came in 2004, and he left Congress in 2006 due to Parkinson’s disease.

Statements on the Passing of Lane Evans

Today, Congressman Dave Loebsack released the following statement on the passing of former Congressman Lane Evans:

“I was incredibly saddened to hear about the passing of Lane Evans last night after his long battle with Parkinson’s disease.  He left us far before his time, but will always be remembered for what he did for our nation’s veterans and his strong advocacy for rural Americans.  It is an honor to represent the Iowa side of the Quad Cities that he called home.”

Former U.S. Rep. Phil Hare, who served as Lane Evans’ District Director for his entire tenure in Congress, said, “Lane was an extraordinary, ordinary man. Lane’s legacy of a politics of purpose and principle will live on in the thousands of people he touched.”

U.S. Senator Dick Durbin said, “Illinois lost one of its kindest, most caring public servants with the passing of my friend and colleague, Lane Evans … When I last visited him, I told him our friend Barack Obama still remembered his quiet courage as a Congressman … Thank heavens for Lane Evans.”

U.S. Rep. Cheri Bustos said, “Lane Evans will be sorely missed by all those who he touched, but his legacy of service will never be forgotten.”

WASHINGTON, D.C. – Senator Tom Harkin (D-IA) today issued the following statement regarding the passing of former U.S. Representative Lane Evans.

“Lane Evans embodied the picture of a dedicated public servant. His commitment to protecting our servicemen and women has helped thousands of returning veterans receive the treatment and care that they deserve. As a stalwart of progressive politics in the Quad Cities, his work to boost the middle class and provide a fair shot for all has impacted countless eastern Iowans. Lane was a proud Marine and was always a gentleman. Today, Ruth and I extend our deepest condolences to Representative Evans’ family, friends on this tragic loss.”

CHICAGO — Nov. 6, 2014. Lt. Governor Sheila Simon today issued the following statement on the passing of former U.S. Rep. Lane Evans, who represented Illinoisans in Congress for 24 years.

“Lane Evans dedicated his life to serving the people of Illinois, and I am deeply saddened by his passing.

“During his long career representing Illinois, Lane worked closely with my father in Washington. His life represents the ideal of public service. My thoughts are with his family, friends and colleagues.”

Evans, 63, had been battling Parkinson’s disease. A U.S. marine who worked to help fellow servicemen affected by exposure to Agent Orange, Evans served in the 17th Congressional District of Illinois from 1982 until 2006.


38th DPS Basic Academy Set to Graduate PDF Print E-mail
News Releases - General Info
Written by Alex Murphy   
Friday, 07 November 2014 09:40
Johnston, IOWA – The Iowa Department of Public Safety is proud to announce the graduation of 13 male and female recruits from the Iowa Department of Public Safety’s 38th Basic Academy.

Recruit Jeremy Sabin, of Davenport, is one of 13 recruits graduating from the DPS Basic Academy tomorrow.
The 13 recruits will be sworn in as peace officers for the State of Iowa during the commencement ceremony at 10:00AM, Friday, November 7, 2014, at the Iowa Army National Guard Freedom Center at Camp Dodge.

Once sworn-in, these recruits will serve the State as Troopers with the Iowa State Patrol.

For the past 20 weeks, these recruits have completed courses on laws of arrest, search and seizures, defensive tactics, arrest techniques, precision driving, firearms, emergency management services, criminal law, human relations, physical fitness and motor vehicle law, along with many other courses.

Members of the media and the public are invited to attend the commencement ceremony at 10:00AM and a DPS Promotional/Oath of Office Ceremony to be held at the Freedom Center, Camp Dodge at 1:00PM.

For any further questions, please contact Alex Murphy, Commissioner’s Office, Iowa Department of Public Safety, at (515) 443-3014.

How to Do What You Really Want for a Living (Fast-track to Your Retirement) PDF Print E-mail
News Releases - General Info
Written by Ginny Grimsley   
Wednesday, 05 November 2014 16:02
Math-Minded Financial Advisor Lays Blueprint for
Rethinking Your Earning & Distribution Years

What does it take to be comfortable during retirement? Conventional wisdom calls it the 4 percent rule – withdrawing about that amount from your nest egg each year to live comfortably. And, for that, millions of Americans believe they need to stick to a job they don’t like during their earning years.

“Unfortunately, the kind of money retirees want to spend each year for a comfortable lifestyle tends to be about $60,000, which means someone’s nest egg would have to be $1.5 million for that rate of withdrawal to sustain for 25 years,” says financial advisor Dave Lopez, a mathematics and computer science major who applies his analytical mind to solving retirement challenges.

“Of course, there are additional sources of income during retirement, such as social security, but the program may not survive the coming decades. And, there are additional costs of retirement, including legacy interests and the likelihood of needing long-term medical care.”

The fact is that millions of retirees simply do not have or will not have the kind of income they’d like to have during retirement. Lopez, founder of ILG Financial, LLC (, discusses an alternative approach to the golden, or distribution years.

•  Remember, Social Security is a welfare program. Before President Roosevelt signed the Social Security Act in 1935, seniors worked. America was an agrarian culture, and many who were in their 60s and 70s usually continued duties on the family farm, albeit handling lighter tasks. Social Security is essentially a Socialist idea. A response to the Great Depression, its purpose was to move out older workers in favor of employing younger Americans, but times have changed.

•  You don’t have to remain stuck in your “earning” job. “The U.S. government is the biggest employer in the world, and I work with many of its employees,” he says. “They usually have high-stress jobs and usually want to retire as early as possible and, while leaning on their pension, start working on their own terms as government contractors.”

•  Consider retiring early and working the job you’ve always wanted. The model frequently followed by retired government workers can be replicated by millions of other retirees. You don’t need a $1.5 million nest egg when you combine Social Security with a smaller withdrawal amount and a fun job earning $20,000 a year. Retirees can be creative in how they earn this “fun money.”

“Let’s say your passion is water skiing – why not parlay this hobby into a career?” Lopez says. “You’ll likely have decades of experience and plenty of contacts. You might work for a ski shop or create a small business giving lessons. Doing something you love is a great way to stay active as an older person.”

•  No pension? – Create your own. The days of working 30 years for a single company and collecting a sizeable pension are mostly over. This means retirees need to get creative and rely on other sources of income, including IRAs and strategies for annuities – effectively creating their own “pension.” Annuities are contracts with insurance companies. The contracts, which can be funded with either a lump sum or through regular payments, are designed as financial vehicles for retirement purposes. The money used to fund the contract grows tax-deferred. Unlike other tax advantaged retirement programs, there are no contribution limits on annuities.

“Annuities provide plenty of opportunity,” he says. “Of course, creative options also yield the risk of complexity. You’ll want to be sure to know what you’re doing, or at least consult with an accredited professional.”

•  Consider lifestyle changes. Through the distribution years, you should consider moving to a place where the cost of living is cheaper than major metropolitan areas. Simply put, you’ll want your money to go further. Take a play from younger folks who are cutting their cable in favor of only Wi-Fi access. Learn how to cook delicious meals on a budget. For many, learning how to make one’s money work better for them, rather than working for their money, is a preferable lifestyle.

About Dave Lopez

Dave Lopez is the founder of ILG Financial, LLC and has been working with individuals and businesses in the Northern Virginia area since 1986. He specializes in strategies that enable his clients to potentially build a retirement nest egg that they can rely on and can never outlive. Lopez has his Bachelors of Science degree from James Madison University with a major in mathematics and computer science. He is an investment advisor representative of AlphaStar Capital Management, LLC, a registered investment advisor.

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