Hometown Plumbing & Heating, 13606 - 118th Avenue, Davenport, Iowa, received a prestigious construction award from Associated Builders and Contractors of Iowa during the association's annual Excellence in Construction Gala held recently in Altoona.

Hometown Plumbing & Heating was recognized with a 2014 Award of Excellence in the Plumbing - Commercial & Industrial $250,000 - $1 Million Category. The award was presented based on the company's work on Heart of America Group - Elmore Marketplace Site Utilities - Davenport, Iowa. McClure Engineering Associates, Inc. was the architect/engineer for this project. Criteria for the award included complexity of the project, attractiveness, unusual challenges, innovation, safety, and budget compliance.

"This project is an example of the innovation and commitment to outstanding craftsmanship that embody merit shop construction. The superior workmanship illustrates the high level of quality produced by merit shop contractors," said ABC of Iowa President and CEO Greg Spenner.

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Math-Minded Financial Advisor Lays Blueprint for
Rethinking Your Earning & Distribution Years

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

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

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

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

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

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

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

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

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

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

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

About Dave Lopez

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

PELLA, (11/05/2014)(readMedia)-- Area students have been elected to leadership positions in student government at Central College.

Dan Dankert of Davenport has been elected as a senator to student senate at Central College.

Karl Weaver of Davenport has been elected as a senator to student senate at Central College.

Central College is a residential liberal arts college dedicated to the education of 1,500 undergraduate students. Founded in 1853, the college is affiliated with the Reformed Church in America and NCAA Division III athletics. Central is a recognized leader in study abroad as a result of its international, residential programs. The college is located in Pella, Iowa, a thriving community of 10,000 two minutes from the state's largest lake and 40 minutes southeast of Des Moines. Learn more at www.central.edu.

ANKENY, Iowa - The Iowa Biodiesel Board today offered its congratulations to last night's election winners, and remains optimistic for the future of biodiesel policies in Washington. Grant Kimberley, IBB executive director, issued the following statement:

"We congratulate Iowa's election winners, and look forward to working with all of them in the effort to diversify our nation's fuel supply with biodiesel, America's Advanced Biofuel. We are confident the new Senate and House winners will support biodiesel and biofuel issues. Having hosted Senator Joni Ernst at a biodiesel plant during the campaign, we were pleased to hear her declare strong support for biodiesel and the Renewable Fuel Standard to IBB members. IBB will continue to be a resource for her and all of our elected officials.

"Sen. Ernst and Rep. David Young in particular have strong ties to Governor Terry Branstad and Senator Chuck Grassley, who have been tireless champions for biofuel and agriculture issues. We're confident these newly elected officials will be just as supportive in providing leadership on these important issues. We also look forward to working with Rep. Rod Blum. Likewise, we believe the House incumbents, Reps. Dave Loebsack and Steve King, will continue to support biodiesel and our nation's drive for smart, consistent federal energy policy. The economic and energy security benefits biodiesel provides are second to none, making the RFS one of the most effective policies we have."

Republican Joni Ernst defeated Democrat Bruce Braley for the U.S. Senate. Republicans Rod Blum and David Young also won the two open U.S. House seats, including the 1st District that had been held by Braley.

The biodiesel industry awaits final RFS volumes for 2014 from Washington, D.C. The last known proposal would set biodiesel volumes at 1.28 billion gallons. That's a sharp cut from last year's production of nearly 1.8 billion gallons.

The Iowa Biodiesel Board is a nonpartisan state trade association representing the biodiesel industry.

DAVENPORT, Iowa - Nov. 5, 2014 - The holidays are a special time for family gatherings and remembering those who have passed. The Genesis Remembrance Tree in Davenport will celebrate the memories of loved ones and focus attention on the continuing need for access to quality hospice care in the region.

The Genesis Remembrance Tree in Davenport will be lit in a ceremony on Friday, Nov. 14 at 6 p.m. in Bechtel Park at River Drive and Iowa Street.

Special guest performers this year will be the Riverbend Bronze Handbell Ensemble; Larry Peterson, director.

Individual "light" sponsors are invited to make a donation in any amount in the name of a loved one. All proceeds will benefit Genesis Hospice Care.

Genesis Hospice is comprised of a multi-disciplinary team to assist in managing symptoms, as well as enhancing quality of life. The common goal of all services is to provide the patient and family with comfort.

For information about how to honor the memory of a loved one, call (563) 421-6865 or go to www.genesishealth.com/give.

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2014 Red Kettle Campaign Kick-Off

Friday, November 7, 2014, 6:30pm

NorthPark Mall: JCPenney/Orange Julius Corner

near Armed Services Recruitment Office Entrance

    • Red Kettle Campaign Goal will be revealed by Mayors Bob Gallagher and Scott Raes.

    • Sunshine's Show Choir, three children's vocalist groups, will perform.

    • Salvation Army Advisory Board Chair Steve Garrington and Quad Cities Coordinator Major Gary Felton to host.

This campaign is a community-wide effort and The Salvation Army's most important fund raiser of the year. 60% of the annual budget is raised during these six weeks.

To volunteer: please sign up at www.ringbells.org

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On Tuesday, November 18, 2014, the election of officers and at-large members of the Executive Committee will take place at United Neighbors, Inc., 808 N. Harrison St., Davenport, Iowa.

Polls will open from 3:00 p.m. until 7:00 p.m. In order to vote in a Branch election, one must be a member in good standing of the Branch 30 days prior (October 18th) to the election.  A form of identification is required.

Nominating Slate/Candidates for Offices:

Vera L. Kelly - President

Larry L. Robinson - Vice-President

Joseph Obleton - Treasurer

Janet L. Woods-Bragg - Secretary

Vernell Compton - Assistant Secretary

We look forward to your participation.

The 2014 Midterm elections will go down as the most expensive in American history, and it was clear that money won.

"We ran a robust program, talked to tens of thousands of union members, retirees and households, but we were not able to compete with all the money the Koch Brothers and others poured into this election." Said Ken Sagar, President of the Iowa Federation of Labor. "Clearly we are disappointed in that the 1% have purchased the outcome."

Unions all over Iowa made contact with over 100,000 Iowans, called many thousands more, sent mail to educate members on the stands of the candidates, yet all the negative advertisements appear to have turned even more voters away from the polls.

"I want to thank all the Iowans who took the time from their busy schedules to take time to vote. Iowans have made their choice." said Sagar. "We will continue to work to promote legislation to help working Iowans.  I also want to thank all our volunteers that helped with labor 2014."

The Iowa Federation of Labor, AFL-CIO looks forward to working with all elected candidates.

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World-renowned Expert Shares 5 Helpful Tips

Whether it's Mom, Dad, Grandma or Grandpa - or your spouse - the "holiday quarter" can present special challenges for families with a loved one suffering from dementia.

"We have an expectation that loved ones should never change from the person we've perceived them to be for years, but everyone changes significantly over an extended period, especially those diagnosed with dementia," says Kerry Mills, a sought-after expert in best care practices for people with dementia, which includes Alzheimer's. November is Alzheimer's Awareness Month.

"Dementia encompasses a wide range of brain diseases, which means it's not the fault of a Grandma if she has trouble remembering things or gets flustered. Empathy for what she's experiencing on the level of the brain will help your relationship with her. Do not expect her to meet you halfway to your world; you have to enter her world."

Spouses have a particularly difficult time coping with their partner's dementia, Mills says. A spousal relationship is a team and is central to the identities of both people. So, while you're paying special attention to a parent's or grandparent's condition, extend it to his or her spouse, she says.

Families tend to have a hard time coping with a loved one's dementia during holiday gatherings. Mills, coauthor with Jennifer A. Brush of "I Care, A Handbook for Care Partners of People with Dementia," (engagingalzheimers.com), offers tips for how to interact with a loved one - say, Grandma - whose brain is deteriorating.

•  Do not get frustrated. "First, do no harm" - the excellent maxim taught to medical students, is also a great first principle for those interacting with Grandma, who may be experiencing a level of frustration and anxiety you cannot comprehend adequately. She simply doesn't have access to certain details, but she is still a conscious and feeling person who has plenty to offer. If you get frustrated, she'll pick up on it.

•  Dedicate someone to Grandma during the gathering. Of course, loving families will want to include Grandma in the group, but be careful not to overwhelm her with attention. Her brain, which has trouble processing some information, could use assistance - a liaison to help her process things. Grandpa could probably use a break; her son or daughter may be the best handler during a gathering.

•  Give Grandma purpose; give her a task in the kitchen. Keep Grandma, who may've been prolific in the kitchen in the past, engaged! Simple tasks, such as mashing potatoes or stirring gravy, may be best. Engage her in conversation about the food. If it's Grandpa whose suffering dementia, include him in a group. Give him a cigar if the other men are going outside to smoke. Engage him in a conversation about football, which may allow him on his own terms to recall details from the past.

•  Use visual imagery and do not ask yes-or-no questions. Again, asking someone with Alzheimer's to remember a specific incident 23 years ago can be like asking someone confined to a wheelchair to run a 40-yard dash - it's physically impossible. Don't pigeonhole her. Direct Grandma in conversation; say things to her that may stimulate recollection, but don't push a memory that may not be there. Pictures are often an excellent tool.

•  Safety is your biggest priority. Whether during a holiday gathering or in general, Grandma may commit herself to activities she shouldn't be doing, such as driving.

"She's been driving for decades, and then she develops a memory problem, which not only prevents her from remembering her condition, but also how to drive safely," Mills says. "This major safety concern applies to any potentially dangerous aspect to life."

"Currently, there's a stigma with the condition, but I'd like to change the baseline for how we regard dementia," Mills says. "As with other medical conditions, Alzheimer's should not be about waiting to die - patients often live 15 years or more after a diagnosis. It should be about living with it."

About Kerry Mills

Kerry Mills, MPA, is an expert in best care practices for persons with dementia both in the home and in out-of-home health care residences and organizations. She is a consultant to numerous hospitals, assisted livings, hospice, home care agencies, senior day care centers and nursing homes. In her twelve-year career in health care, she has served as executive director and regional manager for numerous long-term dementia facilities. She is an outspoken advocate for persons with dementia, lecturing in Hong Kong, Canada, China, Europe and the United States. Her book, coauthored with Jennifer A. Brush, "I Care," (engagingalzheimers.com), is the 2014 Gold Award Winner of the National Mature Media Awards.

http://www.mercercountyrepublicans.org/the-people-of-mercer-county-speak/

The five Mercer County Republican board candidates applied republican principles to the troubles of Mercer County in the form of an 8-point pledge.

http://www.mercercountyrepublicans.org/a-republican-pledge-to-mercer-county/

Residents responded by electing all five to the board.

Republicans now hold the majority, 7-3.

When Republicans are not afraid to run as republicans, they appeal to the best interests of the people.

Final results for the five Mercer County Board races:

District 1-Karen Jones(R) defeats Randy Anderson(D) ? 747 to 430
District 2-Brian Anseeuw(R) defeats Dan Sedwick(D) ? 669 to 548
District 3-Lori Sindelar(R) defeats Larry Stone(D) ? 767 to 679
District 4-Joe Vann(R) defeats Dan Schroeder(D) ? 623 to 569
District 5-Mark Bieri(R) defeats Tom Haines(D) ? 885 to 602

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