BETTENDORF, Iowa- Happy Joe's is excited to announce the award winners from their Annual Franchise Meeting! Members of the Happy Joe's team from around the Midwest poured into Jumer's Casino in Rock Island for an event filled conference. United We Brand was the theme of the 3-day convention and the Happy Joe's team was waving their flag proudly throughout the seminar. Happy Joe's is a proud mid-western company with roots and many locations in the Quad Cities. Franchisee and Corporate restaurateurs across the QC took home many of the awards!


Taking home the coveted Franchise Coach of the Year award was local Ashley Balluff of the Muscatine Happy Joe's! To earn this award, Happy Joe's recognizes only the most exceptional managers who live by the company's mission and guiding principles. As the head coach for two locations, Ashley has taken great stores and made them better! Mrs. Balluff has worked hard and excelled in all areas of restaurant coaching. Happy Joe's is fortunate to have such a positive leader who places so much value in her guests and team members.


Earning two of Happy Joe's most coveted awards is Judy McGill, head coach of the Davenport, IA- West Locust Street location! Ms. McGill has been honored with the prestigious Top Gun Award and the Corporate Coach of the Year Award! To earn the Top Gun Award, Ms. McGill has offered the Happy Joe's high quality product while consistently controlling the costs incurred with running a restaurant. Ms. McGill doesn't stop there! Along with great food costs, she has offered outstanding product quality and guest experience for over 14 years! She has continuously built an outstanding team of coaches and team members making her our Corporate Coach of the Year!


Also taking home the Top Gun Award is Anthony Losasso, head coach of the Davenport, IA- Rockingham Road location! It takes a special skill set to run a Happy Joe's like a well-oiled machine and Mr. Losasso has mastered it!

Receiving more Happy Joe's awards were Jenny Culp and the West 50th team! Mrs. Culp and her team have earned the title of Corporate Promoters of the Year, Top Volume Corporate, and even an Award of Achievement! This team works tirelessly to promote their store seven days a week. They have outdone themselves in sales with the highest percentage for their population earning them the Top Volume Sales Award. But they don't stop there. Mrs. Culp and her team have raised the bar another notch higher and earned the Award of Achievement for doing some of the highest sales of all the Happy Joe's!


We would like to congratulate our winner's again for their accomplishments! We are honored to have these incredible men and women working to make Happy Joe's the best it can be!


If you would like more information, please contact Kristel Whitty-Ersan at 563.332.8811, Ext. 203, or via e-mail at kristele@happyjoes.com

By Nathaniel Sillin

After the 2008 economic crisis, many people assumed they would never be able to reach true financial independence - the ability to live comfortably off one's savings and investments with no debt whatsoever.

However, individuals willing to use their time horizon to plan and adjust their spending, savings and investment behaviors might just find financial independence is possible. Here are 10 ideas to get started.

1. Visualize first, then plan. Start by considering what your vision of financial independence actually looks like - and then get a reality check. Qualified financial experts can examine your current financial circumstances, listen to what financial independence means to you and help you craft a plan. The path to financial independence may be considerably different at age 20 than it is at age 50; the more time you have to save and invest generally produces a better outcome. But at any age, start with a realistic picture of your options.

2. Budget. Budgeting (http://www.practicalmoneyskills.com/budgeting/) - the process of tracking income, subtracting expenses and deciding how to divert the difference to your goals each month - is the essential first task of personal finance. If you haven't learned to budget, you need to do so.

3. Spend less than you earn. It might be obvious, but it's one of the most difficult financial behaviors to execute. Adhering to a lower standard of living and expenses will help you put more money into savings and investments sooner.

4. Build smarter safety nets. Emergency funds and insurance are rarely discussed in combination. The traditional definition of an emergency fund is a separate account for cash that can be used instead of credit to repair a broken appliance or other expense that may run a few hundred dollars. However, many people keep insurance deductibles high to keep premiums low. Would you have enough cash on hand to cover an insurance deductible if you had a sudden claim? If not, build your deductible amounts into your emergency fund.

5. Eliminate debt. Though consumer debt levels have generally fallen since the 2008 financial crisis, the Federal Reserve Bank of New York reported in February that home, student loan, auto and credit card debt began creeping up again in 2014. Getting rid of revolving, non-housing debt (http://www.practicalmoneyskills.com/costofcredit) is one of the most effective ways to free up money for savings and investment.

6. Consider your career. Financial independence doesn't require you to quit a career you love, but you really can't get to financial independence without steady income to fuel savings and investments that will build over time. Speak with qualified advisors about your income, benefits and retirement picture first, and see if you might be able to expand your sources of work-related income, such as consulting part time. Also keep in mind that over the age of 50, the Internal Revenue Service allows you to make catch-up contributions (http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-IRA-Contribution-Limits) to both 401(k) and IRA accounts.

7. Downsize. You'll generally reach wealth financial goals faster if you can cut your overall living expenses. For some, that means selling your home and moving to a smaller one or to an area with lower living costs and taxes. You can also sell or donate property you don't need and use those proceeds to extinguish debt or add to savings or investments.

8. Invest frugally. Become a student (http://www.dol.gov/ebsa/publications/undrstndgrtrmnt.html) of investment fees and commissions because they can cut significantly into your principal. Make a full evaluation of fees you are paying on every investment account you have and if you're working with a licensed professional who sells you financial products, know what fees they're charging for their investment and advisory services.

9. Buy assets that generate income. Stocks, real estate, collectibles or cash investments all have up and down markets. But do your homework and focus on investments bought at attractive prices that are likely to appreciate over time. Also, don't forget to study the tax ramifications of any investment transaction you make.

10. Always know where you are financially. Financial planning isn't about making one set of financial decisions and assuming you're set. Lives and situations change and your financial planning must be flexible enough to withstand both positive and negative changes without derailing your hopes for financial independence. If your forte is not investment, financial planning or tax matters, by all means bring in qualified experts to help. But financially independent people generally have their money issues at their fingertips not only for their own use, but for estate purposes as well.

Bottom line: Financial independence involves diligence and a bit of sacrifice, but even the smallest moves can yield big outcomes.

Washington, D.C. - Congressman Dave Loebsack reiterated his call for the Environmental Protection Agency (EPA) to scrap its current proposal for the 2014, 2015 and 2016 Renewable Fuel Standard (RFS) obligations. Today is the deadline for stakeholders to submit their comments to the EPA regarding RFS obligations that were lower than the amount that has been mandated by Congress. Loebsack has been leading the fight to highlight the importance of the RFS to Iowa. The comments Loebsack submitted to the EPA can be viewed here.

"I was very disappointed to hear that the proposed (RFS) volumes were lower than the amount that has been mandated by Congress," Loebsack wrote to the EPA. "As you know the EPA's low blending volumes do not help to advance an industry that was created to become a fuel source of the future. I urge your office re-evaluate the proposed RVOs, recognizing the current proposal does not strengthen our energy supply or give consumers choice at the pump."

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Sen. Chuck Grassley asked the U.S. Department of Housing and Urban Development for a copy of an audit of the Omaha Housing Authority, following a series of Nebraska Watchdog stories.  HUD has released the audit at Grassley's urging.  Grassley is a long-time advocate for government transparency and for making sure HUD conducts proper oversight of the billions of federal dollars deemed to provide safe, affordable housing for those in need.  Grassley made the following comment on the audit and its release.

"The audit has damaging findings about the housing authority that require correction, as HUD says.  It's unclear why the audit hasn't seen the light of day, but now that it has, HUD should continue to make sure the Omaha Housing Authority is in compliance with rules for spending federal tax dollars.  In the future, HUD should be more transparent with audits conducted at taxpayer expense in the public interest."

The audit is available here.

With U.S. Sen. Chuck Grassley

Q: How has the Americans With Disabilities Act (ADA) shaped American society?

A: The landmark civil rights law this summer observes 25 years since President George H.W. Bush signed the bill on July 26, 1990.  Iowans will recall that one of the key architects of the legislation was my long-time Iowa colleague in the United States Senate. Throughout his years of public service, Sen. Tom Harkin built upon his advocacy to champion change for those living with a disability so that they may participate more fully in American society. In the last 25 years, the ADA has helped remove barriers to education, employment, transportation and access to public places and services. Perhaps the most influential change in the quarter century since passage of the ADA is a shift in expectations for the millions of Americans who live with a disability. For those who previously identified with the limits of their disability rather than embracing the potential of their skills and talents, the ADA has raised society's bar of expectations to foster integration and inclusion in our schools, communities and places of work. For individuals who live with a physical or mental impairment, the ADA affords equality under the law to enjoy the rights and responsibilities of citizenship like Americans who do not have a disability. An entire generation has grown up with the ADA as the law of the land. To the extent that the ADA has worked to erase a divide between those living with or without a disability, this 25th anniversary of the ADA gives us reason to celebrate. It's good for America when public policy encourages Americans to dream big in their pursuit of happiness and prosperity.

Q: What is the Transition to Independence Act?

A: Just as the ADA has helped pave the way for millions of Americans to more fully participate in American society, policymakers can do more to help people with disabilities achieve integrated employment in the U.S. workforce. In communities across the country, a network of service providers helps to make it possible for people with disabilities to live and work alongside non-disabled peers. By far, Medicaid is the largest program that provides the financial framework that pays for services for people with disabilities, such as primary health care, community-based care, transportation, workforce training and residential support services. Just as the ADA served as a catalyst to help individuals with disabilities integrate more fully in their communities and achieve their God-given potential, the Transition to Independence Act seeks to build on that progress and give even more individuals with disabilities real opportunities to land a job in their local communities. The bipartisan bill I introduced this summer is a consensus proposal with broad support and includes valuable input from key advocacy groups that are committed to help individuals with disabilities achieve maximum success in their communities. The bill would create a five-year, 10-state pilot program within Medicaid. The participating states would qualify for bonus payments if reforms they adopt help drive better outcomes for people striving to become productive contributors and wage-earners in their local communities. The demonstration program would change the financial formula to give states incentives rather than disincentives to reform business-as-usual among the multi-disciplinary patchwork of service providers serving this community. States would be rewarded for improving outcomes and helping individuals with disabilities seeking to secure maximum participation in the local job market. For example, states could receive more funding for growing the workforce that provides support services for the disabled community. States could increase their revenue stream by implementing reforms that encourage collaboration among a mishmash of agencies and service providers. In a nutshell, participating states would be rewarded for achieving targets of integrated employment.

People living with disabilities have every right to pursue the American Dream. So many families and individuals with disabilities I have talked with tell me they want to earn money in a fulfilling job. I'm all for championing ambition and rewarding a strong work ethic. That's why I'm working to craft public policy that will help even more individuals with disabilities to join the workforce, earn a paycheck, pay taxes and contribute to their local economies. For those who are able to participate in an integrated work setting and maximize their potential in the local community, my bill would improve the policy tools to help drive inclusion and better outcomes for people with disabilities.

Monday, July 27, 2015

The Amana Arts Guild will sponsor its Festival of the Arts on Saturday August 8, 10 AM - 5 PM at the Middle Amana Park in Middle Amana, Iowa.

This special event will feature sales of fine arts, crafts and traditional Colony folk arts by local and guest artists. A unique part of the festival will be demonstrations as visitors will enjoy observing: woodturning, quilting, tinsmithing, basket-making, spinning and painting.

Guests will also enjoy local foods such as Amana bratwurst, kraut, homemade apple fritters and baked goods along with a special homemade rhubarb drink.

Entertainment throughout the day: Sweet Cacophony, Dustin Busch and Blame Not The Bard

Also a children's art corner and an Amana Colony Quilt raffle.

Amana Arts Guild: 319 622-3678

E-mail:  amanarts@southslope.net

Sen. Chuck Grassley of Iowa, chairman of the Judiciary Committee and the Caucus on International Narcotics Control, was among several senators who urged the Drug Enforcement Administration to re-instate a popular take-back program for unused opioids and other prescription drugs.   The Drug Enforcement Administration confirmed in a letter to Grassley that it has re-instated the program.  Grassley was an original cosponsor of the Secure and Responsible Drug Disposal Act of 2010, which became law, and encourages drug take-back efforts.  Grassley made the following comment on the re-instatement.

"Iowans turned in literally tons of unused prescription drugs under the program.  Getting medicines out of the house, where they can be taken by teen-agers or used beyond the need for the prescription, is important for reducing opioid abuse and addiction.  I appreciate the Drug Enforcement Administration's turn-around on this program.  The more options we have to reduce the scourge of opioid addiction, the better."

The letter Grassley signed urging a re-instatement of the drug take-back program is available here.  The Drug Enforcement Administration's letter to Grassley on the re-instatement is available here.  More information on the results of drug take-back days in Iowa is available here and here.

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Comments are sent ahead of the comment deadline tonight

(DES MOINES) - Iowa Gov. Terry E. Branstad, Lt. Gov. Kim Reynolds, Secretary of Agriculture Bill Northey, Director of the Iowa Economic Development Authority Debi Durham, Director of the Iowa Department of Transportation Paul Trombino and Director of the Iowa Department of Natural Resources Chuck Gipp today sent a letter to President Obama and Environmental Protection Agency (EPA) Administrator Gina McCarthy encouraging the administration to revise their ill-advised proposed rule on the Renewable Fuel Standard (RFS) and submitted comments to the EPA in support of a robust RFS. The comments were sent today, July 27, 2015, the final day the EPA will accept comments on the proposed rule regarding the RFS volume obligation levels. The comment period ends at 11:59 p.m. ET tonight. Iowans interested in commenting on the proposed rule can do so here.

In the letter to Obama and McCarthy, Iowa leaders write, "As state leaders, we are keenly focused on helping create a business and public policy environment that drives job growth throughout the State - in communities both large and small, urban and rural. We share the concerns of many Iowans and citizens throughout the Midwest that the EPA's current proposal will undermine our shared goal of a healthy economy in rural America and abandon the various public policy benefits that flow from the RFS. For decades, the agricultural economy lurched from crisis to crisis and farmers often depended on government subsidies to stay afloat. The RFS helped brighten the future of the agricultural and biosciences sectors by providing a stable policy framework that gives value-add opportunities for various agricultural commodities, while helping reduce transportation emissions - a true win-win."

[...]

"If the EPA's proposed rule stands, consumers across America would be limited in their choices at the pump. When consumers have choices, like they do in Iowa, they choose ethanol and other biofuels. The oil companies are preventing fuel choice in other parts of the country and consumers lose, paying much more for fuel. The Iowa Department of Revenue tracks biofuels sales and the data is clear - when given the choice, Iowans choose biofuels. Consumer purchases of E85 (85 percent denatured ethanol fuel and 15 percent gasoline) in Iowa continue to increase - growing from 9.12 million gallons in 2012 to 11.15 million gallons in 2013, to 12.08 million gallons in 2014 - a growth of nearly 33% in that period according to Iowa Department of Revenue data. Total B100 (100 percent biodiesel) sales in Iowa have expanded from 7.4 million gallons in 2010 to 33.3 million gallons in 2014. In 2010, the average blend level of biodiesel-blended gallons sold in Iowa was 3.1 percent and by 2014, the average blend level had more than tripled to 9.4 percent. Big Oil does not like competition - but American consumers deserve and demand choices at the fuel pump."

The full letter to President Obama and Administrator McCarthy can be read here.

Highlights of Iowa leaders' engagement on the RFS include :

  • State and Federal elected officials, including Gov. Branstad and Lt. Governor Reynolds, participated in a "Defend the RFS" event.
  • Gov. Branstad traveled to Washington, DC, joining a group of Iowa farmers and biofuels producers, to testify at the Federal government's only public hearing and met with EPA Administrator McCarthy.
  • Gov. Branstad, Lt. Gov. Reynolds, Secretary Bill Northey and the entire Iowa congressional delegation sent a joint letter to Federal leaders advocating for the many benefits that flow from the RFS.
  • Gov. Terry Branstad and Gov. Mark Dayton (D-Minn.) penned an op-ed in support of a strong Renewable Fuel Standard.
  • Gov. Terry Branstad brought together a bipartisan group of six governors to sign on to a letter to President Barack Obama, EPA Administrator Gina McCarthy and United States Secretary of Agriculture Tom Vilsack expressing their support for a strong RFS.
  • Leaders from across the Midwest joined Gov. Branstad and Lt. Gov. Reynolds for their "Hearing in Heartland," which was open to all interested citizens; 83 panelists from across the Midwest Region spoke from the heart about the importance of the RFS to their livelihoods and a healthy rural economy while only two individuals expressed opposition to a robust RFS.
  • Gov. Branstad, in his Condition of the State address, called on the Iowa Legislature to pass a resolution in support of a robust RFS. The Legislature unanimously passed bicameral, bipartisan resolutions calling for the EPA to reverse course and support a strong RFS. View the resolutions: House Resolution 101 | Senate Resolution 101
  • State of Iowa leaders submitted formal comments to the EPA with current data and analysis that provides Federal leaders the opportunity and obligation to revise their initial volume obligations upward.
  • Gov. Branstad and Sec. Northey testify in support of a robust RFS before the EPA's hearing in Kansas City.
  • Lt. Gov. Reynolds submits written testimony to the EPA in support of a robust RFS.
  • Lt. Gov. Reynolds rallies for a robust RFS with Nebraska Gov. Pete Ricketts in Blair, Neb.
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- Legislators have until Friday to stop pay hike -

- Pantagraph Newspaper: "Legislator Pay Hike Another Insult to Taxpayers" -

As Illinois legislators head back to Springfield, tomorrow will mark House members' last chance to stop a pay raise worth more than $1350 before they get paid Friday, July 31.

 

House Bill 4225 would stop the pay raises, but Speaker Madigan and the legislators he controls refuse to vote on it.

 

Background from the Associated Press

 

"House Speaker Michael Madigan won't answer questions about it. After years of well-intended, politically popular votes to reject raises, Chicago Senate President John Cullerton now says it would violate the Illinois Constitution not to take the pay.

 

When asked later to reconcile repeated votes to reject increases -- including in 2014, after the court ruling -- Cullerton spokeswoman Rikeesha Phelon released a statement reiterating the constitutional proscription.

That hasn't stopped Republicans from trying to nix the money. Democrats refuse to call a vote on the GOP legislation."

Additional Background

The General Assembly has previously voted to reject legislator COLAs in FY10, FY11, FY12, FY13, FY14 and FY15. (Compensation Review Act - 25 ILCS 120/5.6-6.2)

Pantagraph Editorial: Legislator Pay Hike Another Insult to Taxpayers

 

"..[I]t is another example of how the House Speaker Michael Madigan-controlled General Assembly puts its own priorities ahead of taxpayers...

...Legislators had a chance to rescind the pay raise, but a bill to do that was buried by, you guessed it, Madigan.

Gov. Bruce Rauner has been using the pay raise to tweak legislators, especially Madigan. Last week, he said accepting the pay raise without solving the state's budget issues was 'unfair to taxpayers and the people they represent. It is time to stop protecting the political class at the expense of the middle class.'

Madigan's response to Rauner's taunt was, 'I'm not going to spend a lot of time on that question.' Madigan has said the pay issue is a 'diversion,' but in the Madigan dictionary, any issue that threatens the comfort of legislators or trial lawyers is a diversion.

... Democrats who voted for the budget should be especially embarrassed, since they shirked their duty by sending an unbalanced budget to Rauner.

To add insult to taxpayer injury, the General Assembly is covered by a continuing resolution. That means legislators' pay is guaranteed and the General Assembly will keep operating even if other functions of government shut down. It's vital that prisoners are guarded, roads are patrolled and the work of declaring corn the official state vegetable continues.

The 'diversion' in the budget battle is Madigan. We're not sure of his priorities, but it's clear taxpayers are far below maintaining the status quo and protecting legislators and trial lawyers."

The Dispatch and The Rock Island Argus

 

"Jeers to the entrenched interests in Springfield who do not believe they must answer to the public regarding inconvenient truths of how Illinois government does business.

The latest example came courtesy of our state's once camera-shy House Speaker Michael Madigan during another of his dueling press conferences with Gov. Bruce Rauner over the rookie governor's Turnaround Agenda and Illinois' failure to pass a budget. The tone of that fight was set long ago: Both sides reportedly meet in private, civil sessions that bring no progress, then spew invective in public.

The latest came when the GOP governor criticized the House leader for taking a $1,300 pay hike. The 2 percent hike for he and other lawmakers is automatic, unless the General Assembly votes to reject it. Though Republican lawmakers tried to stop it, it was never called for a vote.

When the speaker was asked about it at last week's press conference, he had this to say.

 

'Well, they promote a lot of things. But I've spoken to the question, I don't plan to speak to it any further.'

 

We must have missed that. That reporter must have, too. But when she tried to find out more, a clearly irritated Mr. Madigan said, 'I said, I don't plan to speak to it any further. Thank you very much.'

 

That's one way for the most powerful man in Illinois to deal with what he dismisses as another  'diversion.' Of course, often saying nothing also speaks volumes."

 

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IA/IL QUAD-CITIES - In August 2011, Carrie and Dan Paschke, Bettendorf, and their three children moved to Beijing, China. While they were overseas, a chance encounter with two businessmen led to the birth of a new local business, Furnish Out, which exists to sell unique handmade home furnishings to raise funds on an ongoing basis for orphaned children in China.
While searching for locally made souvenirs in China, Carrie met two local businessmen, George and John, who specialize in handmade furniture and home furnishings. Each owns his own business and employs a team of artisans. "They create or remake armoires, tables of every kind, headboards, cabinets, chairs and much more, all by hand, using new or reclaimed wood," said Carrie. "They also acquire and, when necessary, refinish wooden baskets, decorative boxes, doors, buckets, basins, and other accessory pieces that have been collected from torn-down villages all over China." Carrie is delighted to continue working with George and John after her family's return to the United States in December 2013.
Carrie will now be selling these items through her newly formed business in the United States and donating 100 percent of the profits to China Hope Foundation, a non-profit organization which provides support to orphaned children and is run by some of her close friends. Furnish Out is operating under a 'business to fund charity model' that will create a sustainable income stream in the future which will be used to help China Hope Foundation for years to come. Furnish Out will hold a sale of these unique items from 8:00 a.m. to 4:00 p.m. on the weekends of August 21-22 and August 29-30 at Carrie's home at 6536 Blackberry Lane, Bettendorf, IA.
While in Beijing, Carrie volunteered at a foster home and met the orphaned children who lived there. To varying degrees, most had special needs or were awaiting surgeries for pre-existing health conditions. "They loved to sing songs, and they never let me leave without a hug goodbye," she said. "During my time in China I met around 50 orphans, which is a drop in the bucket compared to the millions believed by child welfare groups to exist throughout the country. My father always says that 'every little bit counts' and I believe in this case, that's true. I can't fix the problem, but I can help."
Carrie plans to make trips to China one to two times per year to purchase handmade furniture and home accessories from George and John. "I will then sell each piece in America and donate 100 percent of the profit to the China Hope Foundation," she said. "I know there is a market for George and John's work in America and the money will be going to a great cause at the same time."
For more information on Furnish Out, call 563-508-1498 or visit www.furnishout.com.

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