Washington, D.C. - Congressman Dave Loebsack released the following statement after three provisions he authored were included as amendments to the FY 2016 National Defense Authorization Act (NDAA). The legislation recently passed the House Armed Services Committee and is now being debated on the House Floor.

"Our men and women in uniform, along with their military families, proudly and honorably serve our country. The legislation that is now being debated on the House floor includes provisions I authored to make the Rock Island Arsenal stronger by driving more workload to their facilities," said Loebsack.

Specifically, amendments authored by Congressman Loebsack included in the FY 2016 National Defense Authorization Act are:

1.      Installation Arsenal Reutilization Authority - Provides senior leadership at Rock Island Arsenal greater authorities to lease real or personal property for the purposes of leveraging private investment at military manufacturing arsenals through long-term facility use contracts, property management contracts, leases, or other such agreements. This amendment is designed to give Rock Island leadership greater flexibility to utilize unused administrative and warehouse space on the island, helping to bring workload and continued employment to the Island.

2.      Utilization of Armament Retooling and Manufacturing Support (ARMS) Initiative - This provision makes improvements to the ARMS program by giving the Army flexibility to enter into longer lease terms. It also encourages greater cooperation with the local community to promote greater use of ARMS. As the United States shifts to a peacetime footing, increased use of ARMS will help to support our ammunition plants and the highly skilled workforce there. This amendment allows the Army to work closely with local and state governments as well as economic development organizations and private businesses to make ARMS even more of a win-win for the Army, private businesses, local communities, and the ammunition plants.

3. Pharmacy Amendment (Offered with Rep. Austin Scott (R-GA-08)) - This amendment modifies a pilot program that is intended determine if the DOD can get the same savings using a network of preferred retail pharmacies as they can from using mail order by allowing retail pharmacies to provide medications to TRICARE beneficiaries at the same copayment rates as mail order.  It will ensure that veterans can continue to access their local, trusted pharmacies for their medications.

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NEW YORK, N.Y. – Describing the National Security Agency's (NSA) domestic spying program that collects data about virtually all telephone calls made in the United States as "staggering" in its scope and unauthorized by the Patriot Act, a federal appeals court has struck down the agency's surveillance program, ruling that the program violates a federal law authorizing more limited investigations in support of national security. The unanimous decision in ACLU v. Clapper vacated a ruling upholding the NSA's bulk collection of telephone metadata, which has continued since 2006, and instructed the lower court to consider whether to order the government to stop the surveillance. The Rutherford Institute filed an amicus curiae brief in the case likening the program to the abusive colonial-era general warrants and writs of assistance which prompted the Framers of the U.S. Constitution to adopt the Fourth Amendment's ban on unreasonable searches and seizures.

The opinion and The Rutherford Institute's brief in ACLU v. Clapper are available at www.rutherford.org.

"James Madison, who was one of the primary drafters of our Constitution, once warned that we should take alarm at the first experiment with our liberties," stated John W. Whitehead, president of The Rutherford Institute and author of Battlefield America: The War on the American People. "While it is heartening that at least some Americans are starting to heed Madison's warning, this ruling doesn't alter the fact that the government not only views the citizenry as suspects but treats them as suspects, as well. The fact that the NSA is routinely operating outside of the law and overstepping its legal authority by carrying out surveillance on American citizens is a result of giving the government broad powers and allowing government agencies to routinely sidestep the Constitution."

In the weeks after the September 11, 2001, terrorist attacks, the NSA began a program of collecting telephone call records in bulk. After continuing the program without judicial authorization, in 2006, the government sought and obtained authorization from the FISC, a special court established to consider government applications for surveillance of foreign agents and which conducts its activities largely in secret. The 2006 order, which has been renewed several times since, allows the NSA to collect "telephone metadata," which includes the telephone numbers placing and receiving the call, the date, time and duration of the call, and other session-identifying information, and applies to every call placed or received within the United States. The government retains this information and has the ability to conduct computer analysis to determine patterns of behavior that can reveal personal information about citizens. The program remained secret until June 2013 when information leaked by former NSA contractor Edward Snowden was made public. That same month, the American Civil Liberties Union and affiliated entities filed a lawsuit alleging that the program violated statutory restrictions imposed by the Foreign Intelligence Surveillance Act and the Fourth Amendment.

In December 2013, a federal district court in New York rejected the legal challenge to the government's surveillance and upheld the program, ruling that because telephone users "voluntarily" disclose information to telephone companies, the collection of information by the government does not constitute an illegal search. In weighing in on the case, The Rutherford Institute argues that "the bulk metadata collection order is no different from the abusive general warrants colonies suffered under and which were intended to be outlawed with the adoption of the Bill of Rights." Institute attorneys have asked the court to reverse the lower court decision on the grounds that it runs headlong against the principles and purposes that were the foundation for the adoption of Bill of Rights prohibition on unreasonable searches and seizures.

This press release is also available at www.rutherford.org.

Publishing Sales Coach Offers 3 Helpful Insights

By mid-2014, self-published authors began taking home the bulk of all ebook author earnings generated on Amazon.com, while authors published by all of the Big Five publishers - Penguin Random House, HarperCollins, Hachette, Macmillan and Simon & Schuster - combined slipped into second place, according to the January 2015 Author Earnings Report.

While self- or indie-published authors closely follow the costly dispute between Amazon and Hachette over retail and wholesale ebook pricing, titles of all genres are faced with increasingly competitive markets, says publishing sales coach Kim Staflund.

"ISBNs - International Standard Book Numbers - continue to experience enormous growth with each successive year, and in the past decade we've seen a gold rush-style of exponential growth due to the self-publishing movement," says Staflund, founder and publisher at Polished Publishing Group (PPG), www.polishedpublishinggroup.com, which supports a business model in which authors take a proactive, entrepreneurial approach.

"To be a truly successful author who can sell enough books to earn a profit and possibly even become a bestseller, you must treat book publishing, sales and marketing as your own business. The same holds true whether you take today's supported self-publishing route or you go with a traditional trade publisher."

Staflund outlines some necessary points for making a book title a success.

•  Writing to be read takes an entrepreneurial spirit. If you want to earn a profit or even become a bestseller, a writer must treat book publishing, sales and marketing as your own business. That's true whether you're taking the self-publishing route or you use a traditional trade publisher to produce your book. If you don't expect to invest time or money in getting the word out, or assume that your publisher is solely responsible for outreach, you'll likely be disappointed by the few books that you'll sell.

•  An overview of what it means to be proactive. With so much competition today, you need to get in front of customers and communicate with them in a clear and consistent manner. You do this by virtue of book signings, readings, craft sales, art shows, media tours, social media campaigns, speaking engagements, book reviews and whatever else you can think of whenever and wherever you can. You "pound the pavement," as they say in the sales world.

"Another aspect of what it means to be proactive is to have a polished, professional presentation of your content," Staflund says. "This requires additional help including a professional editor, designer, and proofreader. You may also require an indexer, ghostwriter or publicist."

•  Your book: a project deserving of communication and a plan. Inspiration for a great book idea is necessary but insufficient for a successful project; you also need a plan. Establishing a deadline is a good start. When can you reasonably have it done by, and how much time each week will you need to write to meet your deadline? You'll need to accept this commitment, and let close loved ones know about your goal. Family and friends will appreciate your aspiration, give you your time and space, and possibly even help with your project. Additional drafts will be necessary, but at some point you'll have to know when to say when. Also, the ability to handle constructive criticism from outside eyes is essential.

"Again, it's important to remember that writing is just one of many phases in the lifecycle of a book," Staflund says. "If you want your book to have a life outside of your own mind, you'll need to appreciate the aforementioned criteria."

About Kim Staflund

As the founder and publisher at Polished Publishing Group (PPG), www.polishedpublishinggroup.com, Kim Staflund works with businesses and individuals around the world to produce professional quality audiobooks, ebooks, paperbacks and hardcovers using a supported self-publishing business model. As a bestselling author and sales coach, she shows authors how to sell their books using all the effective traditional and online tricks of the trade. Staflund has a substantial sales and sales management history combined with over 20 years of book publishing experience within the traditional and new publishing markets.

In the opening chapter of Robin Oliveira's My Name Is Mary Sutter, the midwife of the title shows up at the door of a doctor struggling with a childbirth. It is the dawn of the Civil War, and Sutter expertly takes over, changing the baby's position in the womb and delivering him without complication.

There has been some confusion, however. The surgeon had summoned her, but Mary was unaware of that. She had come on her own, having been denied an interview at the Albany Medical College, and she had a request of the doctor.

"Miss Sutter," the physician asks after the baby has been safely delivered, "what was it you wanted from me this afternoon?"

Her reply propels Oliveira's debut novel: "I want to become a doctor." And her tenacity - at the doctor's office and at a Sutter family dinner that night - shows that she won't accept "no" for an answer.

The doctor wants to be a field surgeon in the war effort, and Mary presses him during the meat course: "You want to see what can happen to the human body. You want to see inside it. You want to solve its mysteries. Not that you should be ashamed. It is no less than I would wish to do. Given the opportunity."

Without forcing the parallel, there's a lot of Mary Sutter in Robin Oliveira, who will be discussing her 2010 book at three area libraries April 22 and 23 as part of the All Iowa Reads program. And in both Sutter's and Oliveira's stories are important lessons about the power of persistence.

Robin Oliveira, author of the 2015 All Iowa Reads selection My Name is Mary Sutter, will appear to discuss her novel during two Quad City area appearances on Thursday, April 23.  Presentations will take place at noon at the Moline Public Library (3210 41st Street) and at 7 p.m. at the Bettendorf Public Library (2950 Learning Campus Drive).

Robin will share what inspired her to write this Civil War era novel, her research process, and the historical and fictional characters that bring her story to life.  She will also share her discoveries from her eight years of research and writing, including slides and photos of rare Civil War artifacts from the National Archives.

These events are free and open to the public.  Robin Oliveira's appearances are generously sponsored by Friends of the Moline Public Library and Friends of the Bettendorf Public Library.

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(Des Moines, Iowa) - The Iowa Finance Authority today recognized the top Iowa lenders from throughout the state for their efforts in advancing affordable homeownership through the Iowa Finance Authority's programs in calendar year 2014.

The Iowa Finance Authority offers affordable mortgage and down payment assistance programs for eligible home buyers through a network of Participating Lenders throughout the state. In 2014, local lenders assisted a total of more than 1,500 Iowans to purchase a home using Iowa Finance Authority programs which offer affordable mortgages as well as grants to cover down payment and closing costs. Through its partnership with Participating Lenders, the Iowa Finance Authority invested over $143 million in affordable mortgages for Iowans in 2014.

In addition, the Iowa Finance Authority jointly administers the Military Homeownership Assistance Program with the Iowa Department of Veterans Affairs. This program offers eligible service members and veterans a $5,000 down payment assistance grant. More information about these programs is available atIowaFinanceAuthority.gov.

"The Iowa Finance Authority's partnerships with lenders throughout the state means that Iowans can benefit from both the convenience of working with their local lender and access to Iowa Finance Authority's unique homeownership programs," said Iowa Finance Authority Executive Director Dave Jamison.  "I thank our lender partners recognized today for their shared dedication to connecting Iowans with affordable homeownership opportunities."

2014 Lender Awards

TOP LENDER

  •  ·          Iowa Bankers Mortgage Corporation (IBMC), statewide   

 o    300 home buyers assisted  

 o    $24.8 million in loans  

 

GOLD - $15 million or more in loan volume

  • ·         Wells Fargo, statewide

o   167 home buyers assisted

o   $15.9 million in loans

SILVER - $8 million or more in loan volume

  • ·         US Bank, statewide

o   92 home buyers assisted

o   $8.7 million in loans

  • ·         First American Bank, Clive

o   76 home buyers assisted

o   $8.4 million in loans

BRONZE - $5 million or more in loan volume

  • ·         Great Western Bank, Ames

o   66 home buyers assisted

o   $6.8 million in loans 

  • ·         American National Bank, Council Bluffs

o   58 home buyers assisted

o   $5 million in loans

GOOD SAMARITAN AWARDS   
The Iowa Finance Authority strives to provide excellent customer service to Iowa home buyers. The lenders receiving Good Samaritan awards went the extra mile in 2014 to assist home buyers.

  • ·         Cindy Bednarczyk of Bank Iowa, Newton
  • ·         Becky Trotter of Boone Bank & Trust, Boone

The Iowa Legislature created the Iowa Finance Authority, the state's housing finance agency, in 1975 to undertake programs to assist in the attainment of housing for low- and moderate-income Iowans. Since then, the Iowa Finance Authority's role has grown to include nearly 40 affordable housing, water quality and agricultural development programs. The Iowa Finance Authority is a self-supporting public agency.

# # #

Mortgage Credit Certificates offer qualified Iowa home buyers up to $2,000 in annual federal income tax credits  

(DES MOINES) - The Iowa Finance Authority (IFA) today announced that eligible first-time Iowa home buyers may purchase a home and reduce their federal income tax liability by up to $2,000 a year for the life of their mortgage. Approximately 400 Iowa home buyers are expected to benefit from the program, which is now available for new purchases through a network of Take Credit Participating Lenders throughout the state.  

"The Take Credit program will provide an additional incentive to first-time Iowa home buyers as we move into the spring home buying season," said Iowa Finance Authority Executive Director Dave Jamison. "Hundreds of Iowa families will be able to both realize their dream of homeownership and benefit from a significant reduction in their federal income taxes."  

The program provides eligible home buyers with a tax credit against their federal income tax liability every year for the life of their mortgage. The amount of the tax credit for the 2015 program is set at 50 percent of the mortgage interest paid, up to a maximum of $2,000 per year, for up to 30 years. The remaining mortgage interest may be taken as a deduction from taxable income if the home buyer itemizes.    

 

Eligibility for the Take Credit Program requires home buyers to meet household income and purchase price limitations and meet the definition of a first-time home buyer. The federal income limits vary by county, the limits currently range from $65,300 to $111,300 per year.  A purchase price limit of $250,000 applies statewide with the exception of federally Targeted Areas where the limit is $305,000. A first-time home buyer is defined as someone who has not owned their primary residence in the past three years but also includes home buyers purchasing in a federally Targeted Area and military veterans who have not previously financed a home using a tax exempt bond program.

 

"This program will help to fuel an already healthy Iowa real estate market," said Iowa Association of Realtors CEO Dave Bert. "Statewide home sales have increased five percent over February of last year, home prices have increased and they are selling faster. The Take Credit program provides even more incentive for first-time home buyers to act now - this is an exciting time for home buyers."

 

"Interested home buyers can apply for a mortgage credit certificate through a Take Credit Participating Lender as part of their financing process. Home buyers will need to have approval of the mortgage credit certificate before they close on a home so they should ask their lender about this opportunity early in the application process," said Jamison.

 

The mortgage credit certificate was authorized by Congress in the 1984 Tax Reform Act and capacity for the program is derived from an annual allocation of tax-exempt bond volume cap from the U.S. Treasury Department. The 2015 Take Credit Program has an allocation of private activity bond volume cap sufficient to issue mortgage credit certificates for mortgages totaling approximately $42 million. The certificates are available on a first-come first-serve basis and the program will be closed for further reservations once available funding has been exhausted. More information is available at IowaFinanceAuthority.gov/TakeCredit.

 

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The Art of Losing Yourself (Waterbrook Press, April 21, 2015) by Christy Award finalist Katie Ganshert follows TV weather girl Carmen Hart as she pretends to the live a perfect life behind her phony on-camera smile.
"I think all of us, if we're being honest, pass through seasons of doubt at one point or another," states Ganshert. "But so often, it's such a taboo topic to talk about. I hope this book can open up some dialogue regarding the doubts we face. I think doubt loses its power when we bring it out into the light."
Set in Florida's panhandle, Carmen struggles with doubt wondering if she made a mistake marrying her husband and if the God she once believed in is even real. After years of losses and empty arms longing for a baby of her own, she's not so sure anymore. Even more so, when instead of a newborn, she ends up with her 17-year-old runaway, half-sister Gracie Fisher in her care.
Ganshert will be signing copies of her new novel:
May 2, 2015
2-4 PM
Books-A-Million
400 E. 53rd St.
Davenport, IA, 52807.

WASHINGTON, DC ? In a resounding win for the First Amendment, a federal court judge has granted The Rutherford Institute's request for a permanent injunction against the Washington Metropolitan Area Transit Authority (WMATA) barring Metro officials from preventing guitarist Alex Young from engaging in "busking," or performing in public places for tips, near DC-area Metro stations. The permanent injunction, entered by U.S. District Court Judge Beryl Howell, comes on the heels of WMATA's concession that it would not challenge Judge Howell's prior ruling, in which she concluded that restrictions on Young's busking under a WMATA rule forbidding "commercial activity" near Metro stations violated the First Amendment. Attorneys for The Rutherford Institute attorneys filed suit against WMATA in July 2014, arguing that the above-ground, "free" areas of WMATA transit stations where Young performs are traditional public forums where members of the public are entitled to engage in speech and expression under the First Amendment. Affiliate attorney Jeffrey L. Light assisted The Rutherford Institute in its defense of Young's First Amendment rights.

"In an age when journalists are being persecuted by the government for protecting their sources, activists are having their communications monitored by government agents, and musicians who criticize police state tactics are being charged with making unlawful threats, this ruling is a timely reminder of how critical the First Amendment truly is and how vital it is that we remain vigilant in defending it at every turn," said John W. Whitehead, president of The Rutherford Institute and author of A Government of Wolves: The Emerging American Police State. "As Benjamin Franklin proclaimed, 'Whoever would overthrow the liberty of a nation must begin by subduing the freeness of speech.'"

Alex Young is a 27-year old guitarist who performs in public and accepts donations from passersby. Although Young does not actively solicit donations, he does set out his open guitar case in order to receive tips from members of the public who enjoy his performance. Among the places where Young performs are the above-ground, "free" areas of WMATA transit stations. According to regulations promulgated by WMATA's governing authority, persons are allowed to engage in "free speech activities" on WMATA property, so long as the activity is in above-ground areas and is at least 15 feet from a station entrance, escalator or stairway. According to the complaint, Young was busking at the Ballston Metro station on the sidewalk abutting N. Stuart Street in November 2013 when he was approached by a Transit Police officer and ordered to cease playing and accepting tips. The officer accused Young of engaging in "panhandling" and threatened to arrest him if he did not move elsewhere.

In a separate instance in October 2013, Young was ordered to cease his public performing at the West Falls Church Metro Station. A Transit Police officer told Young that because he was accepting donations, he was engaged in "commercial activity" that is prohibited by WMATA regulations. In filing suit against WMATA, Rutherford Institute attorneys alleged that the above-ground, free areas of Metro Stations are considered traditional public forums, areas where speech and expression is given special protection by the U.S. Constitution's First Amendment.  Additionally, Young's performing in public, or "busking," is a time-honored activity that courts have consistently found to be fully protected by the constitutional guarantee to freedom of speech.

Want To Be Read? - Publishing Sales Coach Offers Helpful Insight

By mid-2014, self-published authors began taking home the bulk of all ebook author earnings generated on Amazon.com, while authors published by all of the Big Five publishers - Penguin Random House, HarperCollins, Hachette, Macmillan and Simon & Schuster - combined slipped into second place, according to the January 2015 Author Earnings Report .

While self- or indie-published authors closely follow the costly dispute between Amazon and Hachette over retail and wholesale ebook pricing, titles of all genres are faced with increasingly competitive markets, says publishing sales coach Kim Staflund.

"ISBNs - International Standard Book Numbers - continue to experience enormous growth with each successive year, and in the past decade we've seen a gold rush-style of exponential growth due to the self-publishing movement," says Staflund, founder and publisher at Polished Publishing Group (PPG), www.polishedpublishinggroup.com, which supports a business model in which authors take a proactive, entrepreneurial approach.

"To be a truly successful author who can sell enough books to earn a profit and possibly even become a bestseller, you must treat book publishing, sales and marketing as your own business. The same holds true whether you take today's supported self-publishing route or you go with a traditional trade publisher."

Staflund outlines some necessary points for making a book title a success.

• Writing to be read takes an entrepreneurial spirit. If you want to earn a profit or even become a bestseller, a writer must treat book publishing, sales and marketing as your own business. That's true whether you're taking the self-publishing route or you use a traditional trade publisher to produce your book. If you don't expect to invest time or money in getting the word out, or assume that your publisher is solely responsible for outreach, you'll likely be disappointed by the few books that you'll sell.

• An overview of what it means to be proactive. With so much competition today, you need to get in front of customers and communicate with them in a clear and consistent manner. You do this by virtue of book signings, readings, craft sales, art shows, media tours, social media campaigns, speaking engagements, book reviews and whatever else you can think of whenever and wherever you can. You "pound the pavement," as they say in the sales world.

"Another aspect of what it means to be proactive is to have a polished, professional presentation of your content," Staflund says. "This requires additional help including a professional editor, designer, and proofreader. You may also require an indexer, ghostwriter or publicist."

• Your book: a project deserving of communication and a plan. Inspiration for a great book idea is necessary but insufficient for a successful project; you also need a plan. Establishing a deadline is a good start. When can you reasonably have it done by, and how much time each week will you need to write to meet your deadline? You'll need to accept this commitment, and let close loved ones know about your goal. Family and friends will appreciate your aspiration, give you your time and space, and possibly even help with your project. Additional drafts will be necessary, but at some point you'll have to know when to say when. Also, the ability to handle constructive criticism from outside eyes is essential.

"Again, it's important to remember that writing is just one of many phases in the lifecycle of a book," Staflund says. "If you want your book to have a life outside of your own mind, you'll need to appreciate the aforementioned criteria."

About Kim Staflund

As the founder and publisher at Polished Publishing Group (PPG), www.polishedpublishinggroup.com, Kim Staflund works with businesses and individuals around the world to produce professional quality audiobooks, ebooks, paperbacks and hardcovers using a supported self-publishing business model. As a bestselling author and sales coach, she shows authors how to sell their books using all the effective traditional and online tricks of the trade. Staflund has a substantial sales and sales management history combined with over 20 years of book publishing experience within the traditional and new publishing markets.

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