Legislation Establishes State Ombudsperson to Educate Owners and Help Resolve Disputes

CHICAGO - Governor Pat Quinn today signed a new law that will help protect condominium owners and associations across Illinois. The legislation creates a position within the Illinois Department of Financial and Professional Regulation to help resolve disputes and to educate condominium owners. Today's action is part of Governor Quinn's agenda to protect property owners across Illinois.

"This new law will give condominium unit owners alternatives to litigation as they work to resolve disputes," Governor Quinn said. "By helping prevent potentially expensive litigation the Condominium Ombudsperson can help keep costs down for property owners throughout Illinois."

House Bill 4204, sponsored by State Representatives Elaine Nekritz (D-Northbrook) and State Senator Heather Steans (D-Chicago), creates the Condominium and Common Interest Community Ombudsperson Act which establishes an Ombudsperson within the Department of Financial and Professional Regulation. This new position will provide dispute resolution assistance on behalf of condominium unit owners beginning January 1, 2019.

"I have heard from a number of constituent condo owners who have struggled to find answers when they have disputes," Representative Nekritz said. "This bill creates an important process to have those disputes resolved, and I am happy to have helped push for this new law to address this problem."

"The rights and responsibilities of condo owners and associations can be complex, so I'm pleased that Illinois will follow the lead of four other states whose residents are able to enlist the assistance of a condominium ombudsperson in resolving conflicts," Senator Steans said. "Educating the public about condo law and assisting with dispute resolution when requested will help prevent unnecessary and expensive litigation."

Also under the law the new office will provide educational materials on a website that are relevant to condominiums and common interest communities. Additionally, condominium and common interest community associations must have a written policy for resolving disputes and have registered with the Department of Financial and Professional Regulation. The legislation is effective July 1, 2016.

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Q: Do you have any suggestions for adding fiber to my diet? I've heard a high-fiber diet can help people manage diabetes.

A: You're smart to focus on incorporating more fiber into your diet. Fiber helps slow down the body's absorption of carbohydrates, which keeps blood sugar on a more even keel. In general, starchy beans, lentils, and whole grains (brown or wild rice, whole-grain breads and cereals) tend to pack the most fiber punch, but fruits and vegetables have plenty to offer too. Some good choices of produce for fiber are leafy greens (like spinach, kale, and chard), broccoli, sweet potatoes, artichokes, berries (especially raspberries and blackberries), apples, and pears.

Just keep in mind that even high-fiber foods raise blood sugar to some extent, so you always want to pair them with protein to help stabilize your blood sugar. For example, pair a piece of fruit with some nuts or cottage cheese, serve scrambled egg whites with whole-grain toast, or enjoy a bowl of chili made with beans and lean ground turkey.

Legislation Follows "Sign and Drive" Law Signed this Summer

CHICAGO - Governor Pat Quinn today signed a new law that allows persons charged with certain minor traffic offenses to pay their fines or penalties without appearing in court. The legislation follows the "Sign and Drive" law recently signed by Governor Quinn that ends the practice of requiring individuals to give up their driver's license as security for traffic violations. Both laws are part of Governor Quinn's agenda to make Illinois government more accountable, transparent and effective.

"Motorists can now stay out of court when all they need to do is pay a fine for a minor traffic offense," Governor Quinn said. "This new law helps reduce the burden on drivers and our court system by cutting the number of unnecessary minor cases."

Senate Bill 3509, sponsored by State Senator Michael Noland (D-Elgin) and State Representative John D'Amico (D-Chicago), allows motorists ticketed with certain petty traffic violations to plead guilty and pay their fines without a court appearance. This is companion legislation to a previously approved law that eliminated the requirement that a valid driver's license be posted as bail for certain traffic offenses. Both laws are effective January 1, 2015.

Governor Quinn has signed a number of new laws to make travel on Illinois roadways safer and more convenient. Last year he signed legislation to prohibit the use of all hand-held mobile phones while driving on Illinois roads and to increase the penalties where any use of an electronic device while driving is the cause of an accident. This summer, Governor Quinn signed legislation to prohibit municipalities from requiring police officers to meet ticket quotas and to prevent quotas from being used to evaluate an officer's performance.

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We are ready to warm things up!  The Bettendorf Discovery Shop in Cumberland Square invites you to join them Thursday, January 8th as they debut their cruise wear collection.  Men's and Women's warm weather clothing of all kinds, shoes, accessories, and lots of fun things for your home will be waiting for you.    If you are planning a vacation, a cruise, or are just plain tired of your winter clothing; join us for a chance to purchase a wonderful fresh spring wardrobe.

 

The shop welcomes donations of gently used or new men's and women's clothing, accessories, jewelry, collectibles, and items for the home.  Donations are accepted any time the shop is open and a tax receipt is always available.

 

The Discovery Shop is owned and operated by the American Cancer Society with the proceeds going for cancer research, education, patient services, and advocacy.  The shop is an upscale resale shop selling gently used items all donated by the community.  The shop is staffed with over 80 volunteers, but would be thrilled to have a few extra hands.  If you are interested in volunteering ask us about it next time you are in the shop.  All clothing is cleaned and ironed before it is sold.  All dry cleaning is donated by Burke Dry Cleaners.

 

Regular shop hours are Monday, Tuesday, Wednesday and Friday from 10 am to 5 pm, Thursday 10 am to 7 pm, and Saturday from 10 am to 4 pm.
We have so much fun doing the Hell's Kitchen Signatures last time, so we want to do it again. Last time we did the Beef Wellington and Risotto, this time, we will have the Lamb and Salmon. Plus get $5 glass of wine from our next door bar, picked by Nho and served by our servers.
We will be opened on New Year Eve and New Year Day as regular hours.
Happy New Year!
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Mallards Hold Off Beast 4-3

MOLINE, Ill. (December 27, 2014) - Logan Nelson scored twice, Jeff Lee provided what proved to be the game winning goal in the third period and Parker Milner made 29 saves as the host Quad City Mallards (14-9-5) defeated the Brampton Beast (8-15-1) 4-3 Saturday night.

Lee scored from the left wing circle at 8:59 of the third to expand what had been a one-goal Mallard lead to 4-2 and trigger the replacement of Brampton starting goaltender Trevor Cann by Grant Rollheiser.  Lee's goal loomed even larger after Calin Wild one timed Stephon Thorne's centering feed past Milner and cut the gap to 4-3 with just over four minutes remaining, but the Mallards would hold off Brampton the rest of the way- even after the Beast pulled Rollheiser for an extra attacker.

Nelson twice gave the Mallards the lead in the first period.  Nelson's blast from the top of the right wing circle opened the scoring just two minutes and 12 seconds into the game.  Tyler Donati cut in front of the Mallard net alone to even the score at 12:28 of the first.  Nelson put the Mallards back on top with a another drive from the right wing circle at 16:40.

At 10:31 of the second period Pearce Eviston gave the Mallards a two-goal lead for the first time by swooping through the right wing circle and firing the puck home on the short side.  Mathew Maione's rising backhander trimmed the Quad City advantage to 3-2 at 15:58 of the second but the Beast never could produce an equalizer.

Mallards' Rally Falls Short Against Beast

MOLINE, Ill. (December 28, 2014) - Chad Painchaud scored twice and added an assist, Calin Wild provided what proved to be the game winning goal in the third period and Grant Rollheiser made 32 saves as the Brampton Beast (9-15-1) survived the host Quad City Mallards' (14-10-5) comeback bid to claim a 4-3 victory Sunday night.

Wild jammed the puck in from the doorstep at 3:49 of the third to give Brampton a 4-1 lead.  Wild's goal proved vital after the Mallards scored twice in 14 seconds to cut the gap to 4-3.  Jeff Lee crashed the net and scored the Mallards' second goal on the power play at 4:48.  At 5:02 Mario Lamoureux's wrist shot from the left wing circle narrowed the Brampton lead to one, but the Mallards were unable to complete the rally

The Beast took control with three straight second period goals after the Mallards' Nicholas Rioux opened the scoring by rifling in a power play goal from the left wing circle at 5:03 of the second.  Painchaud tipped in the equalizer at 7:02 and scored the tie breaker just 30 seconds later from the slot.  Tyson Fawcett's wrist shot from the right wing circle stretched the margin to 3-1 at the 12:24 mark and led to Parker Milner replacing Evan Mosher in goal for the Mallards.

The Mallards return to action tomorrow night on the road against the Fort Wayne Komets. The Mallards next play at home Friday evening at 7:05 p.m. against the Missouri Mavericks.  Friday also brings the return of $1 Dog/$1 Beer Night presented by 97X and MetroLINK.  Fans can enjoy $1 hot dogs and beers from iWireless Center concession stands during all Friday home games.  97X will follow in the spirit of the evening by presenting hot dog-themed intermission entertainment.

Tickets for all remaining Mallards regular season home games- including Friday night's contest- are on sale now at the iWireless Center box office, Ticketmaster outlets, ticketmaster.com and Ticketmaster charge-by-phone toll free at 1-800-745-3000.  The box office is open weekdays from 10:00 a.m. to 5:30 p.m., Saturdays from 10 a.m. to 2:00 p.m. and game days from 10:00 a.m. until the start of the second period.  Tickets are available for $10, $16, $20 and $28.

About the Quad City Mallards
A proud affiliate of the National Hockey League's Minnesota Wild and the American Hockey League's Iowa Wild, the Quad City Mallards are in the midst of their eighteenth season and their first in the ECHL.  One of the winningest teams in all of minor league hockey, the Mallards competed in the United Hockey League from 1995 through 2007; in the International Hockey League in 2009-10; and in the Central Hockey League from 2010 through 2014.  The Mallards' proud history has seen them capture the UHL's Colonial Cup Championship three times (1997, 1998, 2001) and secure that league's Tarry Cup four times (1998, 2000, 2001, 2002) for the best overall regular season record.  In 2001, the Mallards made professional hockey history, recording their sixth consecutive season with 50 or more wins, a feat that has yet to be matched.  The iWireless Center provides a unique environment for hockey and features one-of-a-kind seating areas such as the Nest for groups and functions and the exclusive Drake Club.  For more information on the Quad City Mallards or for Mallards tickets go to www.myqcmallards.net.  Fans can also follow the Mallards via Twitter at twitter.com/myqcmallards and on Facebook at http://www.facebook.com/qcmallards.

## Quad City Mallards ##

Rock Island, IL: If you're looking for something to do with that new computer or tablet, the Rock Island Public Library has added 16 new magazine titles to its digital Flipster magazine collection.

New magazines now available for online reading from the library's subscription include Atlantic, Cooking Light, Ebony, Esquire, Kiplinger's Retirement Report, Ladybug, Muse, Organic Gardening, Real Simple, Seventeen, Shopsmart, This Old House, Time, Town & Country, Yum Food and Fun for Kids, and Zoobooks. The new titles include choices for ages from children to adults.

The growth of online magazine offerings reflects the new service's popularity with cardholders. With 412 uses in November, about four times as many magazines have circulated through Flipster since the service replaced a previous digital product on November 1. Ease of use seems to be part of the draw. To use the service, patrons simply log onto Flipster with their Rock Island Library card number and select the magazine they want. There's no need to create an account.

Flipster, a product of EBSCO Information Services, allows Rock Island Library patrons to read digital versions of popular magazines on a computer or mobile device with no waiting for a print copy. Rock Island Library cardholders can access digital Flipster magazines 24 hours a day with a live Internet connection, or download a free app that allows them to read the magazine later on their tablet. The download app is available for both iPad and Android tablet users from the iTunes and Google Play stores.

To check out the service, go to the Download This menu on the Rock Island Library website, www.rockislandlibrary.org. More information is also available at the library's Facebook and Twitter sites, or by calling the library at 309-732-READ (7323.)

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The Jordan Engineering Team, also known as JET, competed in the Regional Competition on December 6th in Moline, Illinois. The team walked away with two awards this year in Robot Design and Performance and will be competing in the Illinois State event in Champaign on January 24th.

The teams are judged in four areas. Robot Design, Robot Performance, Core Values/Teamwork, and Research Project. This year marks the fourth time out of the last six years that the team has qualified for the State Competition. The team has been very successful bringing home multiple awards every year from the regional and state events.

Those competing this year are: Tony VanDeWalle, Collin Cincola, Johnny Dopler, John Hunter, Adam Hyder and Michael Showalter.

GRADE EIGHT CHEER COMPETITION

Jordan 8th Grade Cheerleaders took 3rd place at the annual cheer competition held at Northeast Junior High School in East Moline on December 8th. Congratulations!

Taking part in the competition were Paige Nimrick, Courtney Young, Natika Woods, Lauren Hird, Haley Mosley, Olivia Manternach, Olivia McCarthy, Emily Elliott, Chloe Boyd, Claudia Ruiz and Kaitlynn Zonnevylle

4 Nuggets that Will Improve Health during Pregnancy &
Menopause from One of the 'Best Doctors in America'*

We're paying a hefty price on our health for the conventional wisdom we hold to be true - especially women and their children - says Robert Thompson, M.D., an OB/GYN and integrative medicine specialist deemed by his peers to be in the top 5 percent of U.S. physicians.

The conventional wisdom, more accurately described as ignorance, is that we need an abundance of prescription drugs and vitamin supplements, including calcium, to have strong bones and overall good health.

"Bones are composed of at least a dozen minerals and we need all of them in perfect proportions in order to have healthy bones and healthy bodies; osteoporosis is caused by a loss of minerals from the bones, not just calcium, and we cannot possibly replace minerals with calcium alone, which hardens concrete!" says Thompson, author of "The Calcium Lie II: What Your Doctor Still Doesn't Know," (calciumliebook.com), a new book, coauthored by health journalist Kathleen Barnes, that details the roles minerals play in overall health and how to identify and correct deficiencies and imbalances.

Too much calcium, through food sources or by taking supplements, set individuals up for an array of negative health consequences, including obesity, Type 2 diabetes, Type 2 hypothyroidism, hypertension, depression, problem pregnancies, dementia, heart disease, kidney stones, gallstones and more.

Mineral deficiencies are responsible for a host of health problems, and trying to compensate with flavor-of-the-month drugs or vitamins compounds the problem. Thompson reviews how this affects women, children and women who are experiencing menopause, and what they can do about it.

•  The mineral cost of pregnancy ... Women become very vigilant, and sometimes hyper-vigilant, about their health during pregnancy, because they know it affects their babies. Depending on a woman's beliefs about health, this could lead her on one of several directions. The bottom line is that pregnant women lose about 10 percent of their total mineral supply to their babies, which means the average woman loses nearly four pounds of minerals to her baby with each pregnancy.

•  Embrace the farmer way. Skilled and experienced farmers know that unrefined sea salt is essential to the health of his animals. For more than 50 years, farmers have known that sea salt, or rock salt, is essential for their stock to remain healthy and to breed without birth defects. This data refers to farm mammals; since we're mammals and all mammals have similar physiology, minerals gained from unrefined salt, which is the best source of sodium and ionic minerals, has similar health benefits for pregnant women and their children.

•  The problems women experience with menopause. It's estimated that up to 40 percent of perimenopausal (nearly menopausal) women have low thyroid function that adds to their symptoms when their hormones begin to fluctuate, "but I believe this is far too conservative of a figure," Thompson says. "More realistically, it's near 90 percent or more, and hypothyroidism is probably near 95 percent, especially if a woman is more than 20 percent above her ideal body weight. Excessive calcium contributes to this and other menopausal problems."

•  Consider bioidentical hormones for treatment. There is overwhelming biological evidence that bioidentical hormone replacement is not only natural and safe, but it also improves the quality of life and reduces breast cancer incidence, heart disease, stroke, dementia, osteoporosis, high cholesterol and nearly all known chronic illness associated with aging. Balanced physiologic transmucosal bioidentical hormone replacement is the specific method to consider.

*Robert Thompson, M.D., was added to the peer-reviewed directory, "Best Doctors in America," in 1996.

About Robert Thompson, M.D.

Dr. Robert Thompson is a board-certified obstetrician and gynecologist, and a nutrition specialist who helps patients get long-term relief from chronic disease, including obesity, diabetes, hypothyroidism and adrenal fatigue. His newest book, "The Calcium Lie II," is available for free at calciumliebook.com. Dr. Thompson received his medical training at the University of Kentucky and has been a leader in medical advances for more than 30 years.

Study Finds Even Wealthy Women Worry About
Becoming 'The Best Dressed Bag Lady in Their Community'

Nearly half of all American women, no matter their background, share a fear that may seem odd given the wealth of some: They are afraid of losing their financial independence, otherwise known as "Bag Lady Syndrome," according to a 2013 study.

Of those who harbor BLS anxiety, 60 percent were the primary breadwinners for their households, according to the Allianz poll of 2,200 women ages 25 to 75.

"Financially, women's needs are different from those of men, and the financial industry isn't meeting them," says Lance Drucker, CEO and president of the New York City-based Drucker Wealth Management, (www.DruckerWealth.com).

"Women typically live longer than men, so they need more retirement savings.  Further compounding the problem is the fact that, in many cases, women are paid less for the same job as men. Finally, many have fewer earning years because they dropped out of the labor force for a time to have and raise their children."

Drucker, author of "How to Avoid Bag Lady Syndrome (BLS): A Strong Woman's Guide to Financial Peace of Mind," offers seven action steps that women can do to address their financial insecurity:

•  Identify your pain as well as your goals. Answer the following questions: What keeps me up at night?  What worries me most about my money & my future? What do I want to do with the rest of my life? When can I afford to retire? Can I afford to stay retired? Can I travel, change careers, or go back to school?

•  Create a budget that includes fixed and variable monthly costs as well as one-time expenses. Based on your budget, start building a cash cushion that will cover six to nine months of fixed expenses. The ultimate goal of retirement planning is to create an income stream that is sustainable and will support your retirement needs.

•  Create a balance sheet of savings and investments. This includes your savings account, stocks, bonds, mutual funds, investment real estate, cash value life insurance, annuities, retirement accounts, individual retirement accounts, 401 (k) plans and other assets.  Then further break it down by pre-tax and post tax-accounts.

•  Review insurance coverage and needs. Are you supporting anyone else? Is there a need for Life Insurance?  Who will take care of you if you get sick?  Do you have Long Term Care Insurance? One mother can raise 10 kids, but 10 kids can't take care of one mother... Younger and healthier women may be tempted to overlook the importance of this step, but failure to anticipate potential health issues can be very expensive.

•  Address your estate-planning needs. Do you have a will, a durable power of attorney or a health care proxy?  Have you updated your beneficiary designations on your retirement accounts?  Does it make sense to put your assets in a trust to avoid probate? Answers for these questions are important.

•  Develop your investment strategy. Is there a purpose to your current investment approach, or are you just accumulating funds? We recommend something we call a "4 Bucket Approach to Purposeful Investing" that has been designed with the help of a Wharton Business School professor.

•  Hire a Coach. Studies have shown that those investors that utilize a high quality financial advisor feel more confident, optimistic, and significantly more likely to stick to their plan versus do-it-yourself investors.

About Lance Drucker ChFC, CLU

Lance Drucker is CEO and president of NYC-based Drucker Wealth Management, a wealth management firm specializing in financial issues that affect women. He's the author of "How to Avoid Bag Lady Syndrome (BLS): A Strong Woman's Guide to Financial Peace of Mind" and offers resources at www.DruckerWealth.com to empower women to make smart financial decisions. He graduated from SUNY Binghamton with degrees in Accounting & Finance, and soon after joined the firm Drucker Wealth Management, founded by his father in 1959. He earned his Chartered Financial Consultant (ChFC®) designation in 1990 and his Chartered Life Underwriter (CLU®) degree in 1993, and in 2012, he received a Certificate in Retirement Income Planning from the Wharton School of Business. He is a multiyear winner of the 5 Star Wealth Manager Award, as well as a recipient of the Women's Choice Award for Financial Advisors.  As a proud sponsor of the Wounded Warrior Project, Drucker organizes the Polar Bear Plunge fundraiser for the WWP every January & has participated in the Tough Mudder challenge, and Spartan Race, which has helped to fund more than $2 million dollars for wounded warriors.

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