By Jason Alderman

Setting a few hours aside for a midyear financial checkup in June or July can help you review how you're doing with savings, investing, spending and debt. It can give you the opportunity to spot irregularities and adjust your budget well in advance of year-end.

If you already work with a qualified financial or tax advisor, consider discussing this review process with them so they can guide you to any specific money issues you should be tracking.

Start by requesting at least one of your three credit reports. The idea is to make sure your credit balances are accurate and to check closely for any irregularities that might signal identity theft. Federal law requires that each of the major credit agencies - Experian, Equifax and TransUnion - give you your most recent credit reports for free (https://www.annualcreditreport.com/index.action) once a year.

If you discover unusual charges or accounts you didn't open, alert your advisors, take any steps they recommend and otherwise follow the U.S. Federal Trade Commission's step-by-step identity theft guide (http://www.consumer.ftc.gov/features/feature-0014-identity-theft) to help you take action. Remember to stagger receipt of each of your credit reports throughout the year so you have the opportunity to catch potential irregularities every few months.

Next, turn to your budget or start one if you've never made one before. The midyear review should focus on whether adjustments can be made to save or invest more or pay off more debt if more money is coming in from a raise or other resources. If spending is up by midyear, it's always important to know why and whether funds can be reallocated to better purpose.

Review your retirement and whether you're maximizing your contributions at work or in your own personal retirement accounts. Those who reach age 50 by the end of the calendar year will be able to take advantage of additional catch-up contribution allowances to beef up their balances as they approach retirement.

Midyear is also a good time to check the adequacy of one's emergency fund (http://www.practicalmoneyskills.com/calculators/emergency). Emergency funds help keep you from tapping your credit or savings balances in a sudden cash emergency. The amount of money you keep in your emergency fund should fit your needs, but consider a balance of four to seven months of everyday expenses in case there's a short-term job loss or an emergency repair. Consider keeping a year-round list of potential home, car or personal expenses and decide whether your emergency fund is adequate or you might need to set up other savings accounts to address bigger needs.

Make sure your tax withholding levels are correct. This is particularly important if your income has changed during the first six months of the year and you might be closing in on a higher or lower tax bracket. Consult your tax advisor for assistance, and the IRS features its own withholding calculator (http://www.irs.gov/Individuals/IRS-Withholding-Calculator) to help you decide.

Finally, make sure all your recordkeeping is up to date. Midyear is a good time to look over all your spending, saving and investment records to make sure all the numbers add up and underlying paperwork is in order. Also consider online banking, investing and bill payment as a way to save more time and money.

Bottom line: Taking a midyear break to review your finances gives you a thoughtful opportunity to spot errors, adjust your budget and save on taxes

Secretary Hails Program's 30th Anniversary, Announces General Signup Period

MILWAUKEE, May 29, 2015 - Agriculture Secretary Tom Vilsack announced today that an additional 800,000 acres of highly environmentally sensitive land may be enrolled in Conservation Reserve Program (CRP) under certain wetland and wildlife initiatives that provide multiple benefits on the same land.

The U.S. Department of Agriculture (USDA) will accept new offers to participate in CRP under a general signup to be held Dec. 1, 2015, through Feb. 26, 2016. Eligible existing program participants with contracts expiring Sept. 30, 2015, will be granted an option for one-year extensions. Farmers and ranchers interested in removing sensitive land from agricultural production and planting grasses or trees to reduce soil erosion, improve water quality and restore wildlife habitat are encouraged to enroll. Secretary Vilsack made the announcement during a speech delivered at the Ducks Unlimited National Convention in Milwaukee, Wisconsin.

"For 30 years, the Conservation Reserve Program has supported farmers and ranchers as they continue to be good stewards of land and water. This initiative has helped farmers and ranchers prevent more than 8 billion tons of soil from eroding, reduce nitrogen and phosphorous runoff relative to cropland by 95 and 85 percent respectively, and even sequester 43 million tons of greenhouse gases annually, equal to taking 8 million cars off the road," said Vilsack. "This has been one of most successful conservation programs in the history of the country, and today's announcement keeps that momentum moving forward."

The voluntary Conservation Reserve Program allows USDA to contract with agricultural producers so that environmentally sensitive land is conserved. Participants establish long-term, resource-conserving plant species to control soil erosion, improve water quality and develop wildlife habitat. In return, USDA's Farm Service Agency (FSA) provides participants with rental payments and cost-share assistance. Contract duration is between 10 and 15 years.

"CRP protects water quality and restores significant habitat for ducks, pheasants, turkey, quail, deer and other important wildlife. That spurs economic development like hunting and fishing, outdoor recreation and tourism all over rural America," said Vilsack. "Today we're allowing an additional 800,000 acres for duck nesting habitat and other wetland and wildlife habitat initiatives to be enrolled in the program."

In addition to Ducks Unlimited's partnership with the Conservation Reserve Program, other longtime partners include Pheasants Forever, Quail Forever, Association of Fish and Wildlife Agencies, National Association of State Foresters, National Wild Turkey Federation, Audubon Society, National Bobwhite Technical Committee, Quality Deer Management Association, National Rural Water Association, Playa Lakes Joint Venture, Longleaf Alliance, state soil and water conservation districts, and state forestry, agriculture and natural resource agencies.

"I encourage all farmers and ranchers to consider the various CRP continuous sign-up initiatives that may help target specific resource concerns," said Vilsack. "Financial assistance is offered for many practices including conservation buffers and pollinator habitat plantings, and initiatives such as the highly erodible lands, bottomland hardwood tree and longleaf pine, all of which are extremely important."

Farmers and ranchers may visit their FSA county office for additional information. The 2014 Farm Bill authorized the enrollment of grasslands in CRP and information on grasslands enrollment will be available after the regulation is published later this summer.

The Conservation Reserve Program was re-authorized by the 2014 Farm Bill, which builds on historic economic gains in rural America over the past six years, while achieving meaningful reform and billions of dollars in savings for taxpayers. Since enactment, USDA has made significant progress to implement each provision of this critical legislation, including providing disaster relief to farmers and ranchers; strengthening risk management tools; expanding access to rural credit; funding critical research; establishing innovative public-private conservation partnerships; developing new markets for rural-made products; and investing in infrastructure, housing, and community facilities to help improve quality of life in rural America. For more information, visit www.usda.gov/farmbill.

For more information about CRP, visit www.fsa.usda.gov/conservation, or contact your local USDA Farm Service Agency office. To find your local FSA office, visit http://offices.usda.gov.

Shortstop to join club in Chicago tomorrow 

 

HOUSTON, TX - The Houston Astros have selected shortstop Carlos Correa to the Major League roster. He will join the club tomorrow in Chicago for the opener of the Astros three-game series against the White Sox. In a corresponding move, the Astros have optioned right-handed pitcher Jake Buchanan to Triple A Fresno. A subsequent move to the 40-man roster will be made prior to tomorrow night's game. The announcement was made by Astros General Manager Jeff Luhnow.

Correa, 20, was hitting .335 (72x215) with 21 doubles, 10 home runs, 44 RBI and 18 stolen bases in his 53 games combined for Triple A Fresno and Double A Corpus Christi this season. Entering today, Correa led all of minor league baseball in extra-base hits (34) and in total bases (127), while sharing the minor league lead in doubles (21) and ranking second in slugging (.596).

"Carlos has performed extremely well at every level of our minor league system," said Luhnow. "We feel he has earned this promotion and look forward to him joining our ballclub. Since he is just 20 years old, we do not have unrealistic expectations of Carlos. However, his performance on the field and his maturity indicate that he is ready to contribute on the Major League level."

Correa, who is ranked by MLB.com as the No. 2 prospect in all of baseball, began his season at Corpus Christi before earning a promotion to Fresno on May 11. He started for the Grizzlies today and hit a walk off sacrifice fly to give Fresno a 15-14 win over Reno.

This season marks Correa's fourth as a professional since being drafted with the 1st overall pick in the 2012 draft out of the Puerto Rico Baseball Academy. At just 20 years of age, Correa will be the youngest player in the Major Leagues and the youngest Astro to make his debut since right-handed pitcher Jordan Lyles debuted at 20 for the club in 2011.

SPRINGFIELD, IL (06/06/2015)(readMedia)-- Col. Eric Little of Springfield, Illinois, the United States Property Fiscal Officer for the Illinois National Guard received the Legion of Merit award during a ceremony June 4 at Camp Lincoln in Springfield, Illinois.

Little received the award for his meritorious service as the Chief of Staff for the Illinois National Guard from June 2013 to May 2014.

Des Moines, Iowa - The Iowa Legislative Session for 2015 has ended.  After a very active session with over twenty gun bills proposed, including the "Firearms Act of 2015", the Iowa House and Senate could not concur on gun legislation to remove background checks on private gun sales and allow children under fourteen to handle hand guns.  The Senate did pass a bill allowing suppressors but the House rejected that bill as not going far enough.

"The Iowa Legislative Session 2015 has ended. We can claim a victory. What seemed like an inevitable bad "Omnibus Gun Bill" was prevented because thousands of Iowans did not want to lose background checks and allow children to handle hand guns! Thank you to everyone who helped make this possible."   Rev. Cheryl R. Thomas.  Executive Director of Iowans for Gun Safety

Questions:  Rev. Cheryl Thomas,  (515) 402-8973

Iowans For Gun Safety, a non -profit, advocates for common sense gun laws and safety education for citizens of Iowa.

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(DES MOINES) - Iowa Gov. Terry E. Branstad today released a statement on the close of the 2015 legislative session. Some of the key accomplishments from the session include :

  • Connecting every acre in Iowa with high-speed broadband.
  • Record investment in Iowa road and bridge infrastructure - supporting $3.2 billion for roads and bridges over five years.
  • Certainty for Iowa families and schools regarding school start date.
  • The Iowa Safe at Home Act.

Gov. Branstad offered the following statement upon the close of the legislative session:

"The dawn of the 2015 legislative session offered hope that leaders of both parties would be able to come together to build Iowa for the future. The Battelle 2.0 study offered state leaders a roadmap for ensuring Iowa continues to move forward and is positioned to continue growing, bringing business and jobs to the state and increasing family incomes. As the study simply states, sound infrastructure is a prerequisite for economic development.

"Together, leaders acted to support the investment of $3.2 billion over five years in Iowa's roads and bridges. These key improvements will elevate the state's ability to attract economic development and job creators. Since 2011, our unemployment rate has been slashed by over 33 percent, more Iowans are working than ever before and our jobless rate is the lowest it has been in over seven years. To continue this growth, we needed to not only make strategic investments in our roads and bridges, but also in 21st century infrastructure.

"Time and again, Lieutenant Governor Reynolds and I heard from businesses across the state that the lack of high-speed internet is slowing - or worse, preventing - growth of Iowa small businesses. With the passage of this broadband bill, Iowa can begin stretching high-speed fiber across the state to give farmers the technology they need to fully utilize modern agriculture equipment, schools access to abundant resources available online and local small businesses the ability to connect with the global marketplace.

"With progress, however, comes disappointment. On the second day of the legislative session, I presented a budget that funded Iowa's schools for two years. It provided school officials the certainty and predictability they need to budget. It would prevent the seemingly endless cycle of uncertainty for our schools due to legislative gridlock.

"After five months, the Legislature went home without reaching consensus on a two-year education budget that would provide budget certainty to our schools this year and next. Now, the only certainty that the Iowa Legislature provided to schools is that they'll be back next year having the same old, tired fight about school funding - in an election year no less. That action - or lack thereof - is par for the course in Washington, D.C., but it's a disservice to Iowans, our schools and most importantly our children.

"Perhaps more disappointing was the inability of the Legislature to come together to pass a bill that protects our children from bullying in schools. Every child deserves a safe and respectful learning environment. In 2014, both chambers passed an anti-bullying bill. Yet with nearly identical language this year, the bill to protect our children from the relentless bullying kids can face in the classroom and online through social media languished. First Lady Chris Branstad, Lieutenant Governor Reynolds and I will not stop working to end bullying in Iowa.

"Over the next thirty days, Lieutenant Governor Reynolds and I will carefully review the bills sent to my desk by the Iowa Legislature. We'll review the bills in the same lens as we always do - the budget must balance in the biennium, fit within our five-year budgeting projections, and honor the commitments we've made in the past to the Teacher Leadership and Compensation System and the property tax relief.

"With farm incomes expected to decrease by 32 percent this year, farmland values already down 15 percent and expected to continue to decline this year, commodity prices down 40-50 percent since 2012 and an avian flu virus outbreak affecting nearly 30 million birds across the state, we must adhere to our conservative budgeting principles and resist the desire of using bad budgeting practices that in the past led to reckless across the board cuts."

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The Figge Art Museum throws it's annual gala tonight (June 5th), and the owners of L&D15 have been busy making sure the night's paper theme is well represented.

Designer and co-owner of L&D15, Lopeti Etu, created not only the chandeliers and table centerpieces for the event's main floor banquet, but he also designed and made several of the attendees' clothing - all out of paper.

Etu designed and sewed a total of five custom paper items - a man's tuxedo jacket, a paneled bustier, a sixties-era women's jacket, a dazzling Roaring Twenties style flapper dress in gold and red, and a black Italian crepe paper strapless ball gown.

Etu worked most of May on these items, starting the Monday after the store's Kentucky Derby party. Etu is on the Figge Art Museum Gala committee, and volunteered to create both the centerpieces and suspended chandeliers for the event. The geometric chandeliers were made from recycled cardboard boxes, while the flowers sitting on each of the banquet tables were made from a lighter paper, then individually hand dipped.

L&D15 is a new kind of retail for the Quad Cities, featuring artists and designers from the area, as well as from other parts of the country. In addition, owners David Balluff and Lopeti Etu use part of the shop as a workspace, hand making custom hats, silkscreening t-shirts and designing clothing.

L&D15 is open daily, from 10am - 7pm, and is located at 520 West 2nd St. between Scott and Western in downtown Davenport. For more information, visit us on Facebook at facebook.com/ landd15 or at landd15.com

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SPRINGFIELD - Governor Bruce Rauner announced a number of key staff appointments to help him as he works on the Illinois Turnaround. Today's announcements include the new Director of the Illinois Medical Cannabis Pilot Program; the Illinois Sports Facilities Authority; the Illinois State Board of Investment; and the Illinois Human Rights Commission.

In addition, Governor Rauner has also extended the contract of state CFO, Donna Arduin. She will continue working with the Governor's Office of Management and Budget on enacting a balanced budget. Her compensation has been reduced by half from her previous contract and will terminate when the final budget is signed or on August 28, whichever comes first.

 

Name: Joseph Wright
Position: Director, Illinois Medical Cannabis Pilot Program

Governor Bruce Rauner has named Joesph Wright the Director of the Illinois Medical Cannabis Pilot Program. He is currently Assistant General Counsel in the Office of the Governor.

In the Office of the Governor, Wright has worked extensively with the state agencies involved in the medical cannabis pilot program. He is the liaison with the legal teams within the Illinois Department of Agriculture, the Illinois Department of Financial and Professional Regulation and the Illinois Racing Board. In addition, Wright assisted the Office of the Governor with Freedom of Information Act requests.

Wright has experience at the federal level, working as a Legislative Assistant in the Office of Congressman Jim Matheson. He also was a law clerk for Holland & Knight, the Illinois Attorney General and the Illinois Department of Financial and Professional Regulation.

Wright is a graduate of the University of Illinois, and earned his law degree from the Chicago-Kent College of Law. He lives in Chicago.

 

Name: Timothy Rand
Position: Illinois Sports Facilities Authority

Governor Bruce Rauner has appointed Timothy Rand to the Illinois Sports Facilities Authority. Rand's experience in the food and beverage industry and in event promotion makes him an excellent addition to the board.

Rand is the founder and owner of Midway Airport Concessionaires that owns a number of food outlets at Midway International Airport. He oversees the sales, management and marketing duties of the operation. In addition, Rand has served as Director of Urban Partnership Bank and is the co-founder of the annual Chicago Football Classic.

Rand is extremely active in the community working with the Chicago Urban League, Make-a-Wish Foundation, the Rainbow/PUSH Coalition, the DuSable Museum and the Council on Chicago Public School Partnerships. Rand also served five years in the U.S. Army National Guard. He graduated from Southern Illinois University and lives in Chicago.

 

Name: Ezequiel Flores
Position: Illinois State Board of Investment

Governor Bruce Rauner has appointed Ezequiel Flores to the Illinois State Board of Investment. Flores is a global business leader with extensive experience as an entrepreneur and senior-level executive.

Flores is currently the CEO of Flores Retail Corporation, which is a real estate company that specializes in public-private partnerships, development and financing, and retail brokerage. In addition, he also co-founded Flying Food Concessions, which is responsible for one of the largest specialty retail portfolios at O'Hare International Airport. He is also the CEO of Flying Retail.

Prior to these ventures, Flores was the Strategy and Corporate Development Manager at the Sara Lee Corporation. He also worked as an Assurance and Business Advisory Associate at Arthur Anderson LLP.

Flores graduated from DePaul University with an accounting degree. He is currently earning his master's degree at the Catholic Theological Union. He lives in Chicago.

 

Name: Steve Kim
Position: Illinois Human Rights Commission

Governor Bruce Rauner has appointed Steve Kim to the Illinois Human Rights Commission. Kim is a proven advocate for Asian Americans in Illinois and was the first Asian American to run for a statewide office when he was the Republican candidate for Attorney General in 2010.

Kim is currently a managing partner at RKJ Legal, which is an international law firm with offices in seven countries, and Kim serves as General Counsel to several other international companies. Prior to this, Kim was General Counsel for Coils, Inc., directing all legal, regulatory and governmental affairs activities. He has also worked for Time Warner Cable and AT&T.

Kim began his professional career with the State of Illinois, serving in the 1995-1996 Dunn Fellow class, assisting the Governor's Economic and Business Development Adviser. He was also a Special Assistant to Governor Edgar, where he advised the governor on a number of issues, including international trade. In addition, he was the primary contact in the Office of the Governor for the Asian-American community.

Kim earned his bachelor's degree and law degree from Loyola University Chicago. He lives in Northbrook.

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Fewer than 100 Remain!

Brilliantly featuring all 100 cellos including artists visions and bios, titles, media and beautiful photographic images of the fronts and backs of all 100 cellos.

A very special thanks to our talented artists and our sponsors!

More information and photos.

July 9 & July 23: 8 AM - 4 PM, Principles of Leadership Excellence Series: Module 1 - Trust and Influence: New-School Leadership. The goal of the Principles of Leadership Excellence Certificate Series (PLX) is to provide you with opportunities to learn the skills, behaviors, and knowledge needed for effective, successful leadership.  Cost is MRA Members: $495  Nonmembers:$655 (Pricing also available if you sign up for the entire 6 module series).

July 10: 8 AM - 3 PM, Effective Communication-Beyond the Basics. Advanced tools, techniques, and strategies developed from the study of proven top performers in leadership.  Program uses the new DiSC assessment. Cost is MRA Members: $295  Nonmembers: $390

July 17: 8 AM - 3 PM, Communication from the Inside Out.  Savvy communicators know that words are just one part of the message that gets communicated.  Apply the idea of "who body thinking" to enhance your ability to communicate effectively.  Cost is MRA Members: $295  Nonmembers: $390

July 20 & July 21: 8 AM - 4:30 PM, ISO 9001: 2008 Internal Auditing.  This two day class will have a strong emphasis on best practice techniques used to audit the American Nationals Standard ISO 9001-2008 version.  Cost is MRA Members: $550  Nonmembers: $750.

August 6 & August 20: 8 AM - 4 PM, Principles of Leadership Excellence Series: Module 2 - Communicating for Results: Gold Medal Performance. The goal of the Principles of Leadership Excellence Certificate Series (PLX) is to provide you with opportunities to learn the skills, behaviors, and knowledge needed for effective, successful leadership.  Cost is MRA Members: $495  Nonmembers:$655 (Pricing also available if you sign up for the entire 6 module series).

August 7: 8 AM - 3 PM, Right Brain/Left Brain Thinking.  The human brain has two very different ways of thinking. The right brain is visual and the left brain is verbal.  Discover strategies for using your creativity for effective communication.  Cost is MRA Members: $295  Nonmembers: $390.

August 10: 8 AM - 11:30 AM, Human Resource Professional Certificate Series: HR Metrics: ROI for HR Initiatives.  This program will provide you with practical advice on how to cost-justify and present the business case for your HR-related initiatives.  Cost is MRA Members: $200  Nonmembers: $265.  (Pricing also available if you sign up for the entire 6 module series).

August 10: 12:30 PM - 4:00 PM, Human Resource Professional Certificate Series: Internal Investigations: A How-To Guide.  The workshop provides you with step by step instructions to conduct and complete thorough, legally compliant harassment, discrimination, and other types of internal investigations.  Cost is MRA Members: $160  Nonmembers: $205. (Pricing also available if you sign up for the entire 6 module series).

August 13: 8 AM - 11:30 AM, Business E-Mail - Write it Right, During this half-day workshop, you recognize the latest techniques for writing emails that make it easy for your readers to read, understand and respond to your messages.  Cost is MRA members: $160 Nonmembers: $205

August 17: 8 AM - 3 PM, Human Resource Professional Certificate Series: Fundamentals of Compensation.  This program explores the practice and theory of compensation management, discusses how to tailor a compensation program to support the organization's strategic goals and objectives.  Cost is MRA members: $250 Nonmembers: $340  (Pricing also available if you sign up for the entire 6 module series).

August 18, August 25 & September 1: 8 AM - 4 PM, Supervision: The Essentials.   This three day program provides your new, less experienced leaders with ideas and practices they can put to use immediately.  Cost is MRA members: $750  Nonmembers: $950.

August 21: 8 AM - 4 PM, OSHA's Electrical Safety Best Practices and NFPA - 70E.  Sessions explore the requirements of OSHA and NFPA 70E and keep you current on electrical hazards and the methods to control them.  Cost is MRA members: $275 Nonmembers: $370

August 24: 8 AM - 3:30 PM, Human Resource Professional Certificate Series: Finance Essentials for the HR Professional.  This course is designed to expose the HR manager to basic accounting practices including how to read and interpret accounting and financial reports. Cost is MRA members: $250 Nonmembers: $340  (Pricing also available if you sign up for the entire 6 module series).

August 27: 8 AM - 12 PM, Grammar Basics.  Is it affect or effect? Should I use 15 or fifteen? Which punctuation mark should I use.  This half-day program addresses those and many more basic grammatical questions.  Cost is MRA members: $160 Nonmembers: $205

August 31: 8 AM - 3:30 PM, Human Resource Professional Certificate Series: HR Professional as Business Partner.  Primary focus within this program includes developing the business partner role through effective coaching strategies to address performance management.  Cost is MRA members: $250 Nonmembers: $340  (Pricing also available if you sign up for the entire 6 module series).

To register for any of these courses, or for more details, contact Kathy Riley at 309.277.4186 or at Kathy.riley@mranet.org.  You can also find training information on our website at www.mranet.org/Training-Events.

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