Rock Island, IL: Teen programming takes a turn for the creative at the Rock Island Public Library in late February.

Rock Island's Teen Science Cafe, 6:00 pm on Thursday, Feb. 19 at the Main Library, will focus on helping teens make YouTube videos for the Quad City wide teen short film contest coming up in March. The library will supply flip video cameras for use that night, help with editing and provide details on how to enter. Videos are due March 3, and all entries will be shown at a free Premiere Party on March 12.  The Quad City-wide contest is open to ages 13 to 19, and is sponsored by the Putnam Museum.

On Thursday, Feb. 26, Rock Island Library holds its monthly Teen Gaming Night at 5:45 pm at the Main Library, 401 19th Stree. Teens ages 12 to 18 can play  Xbox 360 and Wii video games, or with board games. Snacks will be provided.

A free teen movie set against a college-wide singing contest wraps up the month at 2:00 pm on Saturday, Feb. 28. The 2012 movie carries a PG-13 rating, and is very loosely adapted from "Pitch Perfect: The Quest for Collegiate A Cappella Glory," by Mickey Rapkin. Ages 13 to 18 will be admitted to the free showing.

For more upcoming library events, visit library locations or the website at www.rockislandlibrary.org, follow Rock Island Library on Facebook or Twitter or call 309-732-READ (7323).

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BETTENDORF - The Ascentra Credit Union Scholarship Competition is offering a total of $10,000 in scholarships to assist members planning to further their education.   There will be a total of ten scholarships which will be awarded to students as follows:

• Five $1,000 scholarships for high school seniors planning to enter college
• Five $1,000 scholarships for members age 19 or over, considered non-traditional or continuing education students

"What sets our scholarship competition apart is that students can apply every year that they are attending college," said Ascentra Community Development Manager Alvaro Macias.  "Even Ascentra members attending trade school or those seeking advanced degrees are eligible for our non-traditional scholarships."

The scholarship entrants will be judged on a 500 word essay on the topic, "How do you plan on using your education to improve your community?"

All entries are judged on their essay, resume, awards, extracurricular activities, volunteer services and work experience.  Applications and official rules may be picked up at any of our branches or found online at www.ascentra.org/scholarships . There members can also find information on other scholarships.  Deadline for the Ascentra Scholarship Competition is March 2, 2015.

Awarding a total of $10,000 in scholarships is another way Ascentra Credit Union recognizes that financial planning and education is essential to lifetime success for our members and community.

About us:

Founded in 1950, Ascentra Credit Union, is Iowa's premier credit union with more than $340 million in assets and 10 branches serving the communities of Bettendorf, Clinton, Davenport, Le Claire, Muscatine, Iowa and Moline, Ill. Learn more about Ascentra Credit Union at ascentra.org. Follow Ascentra on Facebook and on Twitter @ascentra.

After a lifetime of deciding out how to get the best return on their investments, people nearing retirement could think they have this money thing figured out.

But they could be mistaken, says financial advisor Dave Lopez, a mathematics and computer science major who applies his analytical mind to solving retirement challenges.

 "When people move into retirement, all the rules change," Lopez says. "What worked for them in their investments during their working years may not work as well when they reach retirement."

It's also important that people have a comprehensive retirement plan that includes income planning, legacy planning, long-term care planning and growth, he says.

"When you are trying to build a retirement plan, you need the right tool for the right job," Lopez says. "Once you identify your goal, then you can fund the tool to get there."

Lopez, founder of ILG Financial, LLC (www.theilg.com), suggests four key points to keep in mind as you plan for, or move into, retirement.

•  Recovery time has shortened. If the market takes a dramatic downturn when you are in your 30s, you have plenty of time for your investments to make a recovery. You likely draw a paycheck and have little or no need to dip into that money, taking a loss. But that's not the case when you are in retirement and living off those investments. In later years, your investing strategies need to adapt so you aren't as subject to the whims of the market.

•  Hanging on to what you have. "You don't need great returns if you can avoid great losses," Lopez says. Sure, you might like to plow a huge chunk of money into the latest trendy stock that could take off and send the value of your portfolio soaring. But those kinds of investments come with risks that might be too great at this stage in life. By the time you reach retirement, it's less important that you see huge earnings on your investments than that you keep safe what you have. A modest return at that point is fine. "The belief that the stock market is the answer for beating inflation in retirement may be disastrous," Lopez says. Once again, it comes down to that recovery time, he says. You just don't have much.

•  One and done. "You won't get a second chance to get your retirement planning right," Lopez says. That's why you need to plan carefully the first - and only - time around. He's known people who had no plan, or whose planning relied on a specific chain of events that might or might not come about, such as assuming their lives would be shorter than they turned out. Essentially, instead of taking a mathematical approach, they were doing little more than hoping everything would work out.

•  Seek a specialist's help. It's important to get advice from someone with expertise not just in finance, but in retirement planning, Lopez says. That person can help you understand what pitfalls you need to plan for and what tools you can utilize. "You wouldn't use your primary care physician if you needed heart surgery," he says. "Likewise, when moving into retirement, you need a specialist."

About Dave Lopez

Dave Lopez is the founder of ILG Financial, LLC (www.ILGFinancial.com) 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.

The Davenport Jaycees are asking for the community's help in nominating outstanding young professionals in the Quad Cities area.  Every year, the Davenport Jaycees host a Community Awards Banquet at the Davenport Jaycee Hall to honor the achievements of young leaders under the age of 40 in the categories of Young Community Leader, Young Religious Leader, Young Educator, and Young City Servant.  A Davenport Jaycee Member of the Year, as well as Jaycee Rookie of the Year are also awarded at this banquet.

Young Community Leader- This award recognizes an individual whose leadership has made a significant impact in our local community. This work could include societal or civic issues, address health or environmental concerns, or promote arts and humanities.

Young Religious Leader- This award recognizes an individual whose religious leadership has made a significant impact on our local community.

Young Educator- This award recognizes an individual whose leadership in the classroom and/or within the educational setting has made a significant impact on our local community.  This individual works to educate the whole student, works creatively to achieve excellence in learning, demonstrates leadership at their educational institution, and is a positive role model for all ages.

Young City Servant- This award recognizes an individual whose city leadership (elected or appointed office, administrator, police, or firefighter, etc.) has made a significant impact on our local community.  This individual is a hard worker that strives to be helpful, honest, and fair while striving to make our community better.

Members of the public are encouraged to submit nominations for the respective award categories before Friday, February 27, 2015.  Award recipients will be notified during the first week of March & will be recognized at the Community Awards Banquet on Friday, March 13, 2015. The nomination forms & descriptions of each are available online at www.davenportjaycee.com under Community Resources.

This year's Banquet & Awards will be held on Friday, March 13, 2015 from 6:00-9:00 PM at the Davenport Jaycee Hall, 2940 Brady Street.  Besides the awards, the Davenport Jaycees will induct new members & board members and celebrate successful events from 2014 including the annual Bridal Expo, Rebuilding Together, Brew HaHa, and Jaycee Santa.  The cost is $10.00 for members and $15.00 for non-members.  This cost includes dinner and cocktails. RSVP is required.