03 Oct 2014

7 Cardinal Rules to Retirement Planning

By Ginny Grimsley

Financial Planner Says Independent & Credentialed
Advisors May Better Tailor Individual Portfolios

An onslaught of retiring baby boomers; the uncertain duration of Social Security funding; difficulty with workplace retirement accounts like 401(k)s - even if these factors were stronger than they are now, you'd still have a heavy burden in managing your finances during retirement, says financial planner Carl Edwards.

"Financial planning for retirement has always been a daunting prospect; the current landscape simply makes your preparation that much more crucial in using your assets well," says Edwards, a highly credentialed consultant and owner of C.E. Wealth Group, (http://www.cewealth.com).

"Many advisors and clients rely too much on single product lines. This misuse often gives products and the financial industry in general a bad name. Advisors who are restricted in the types of financial products they can offer or understand may not provide the best advice. Independent and credentialed planners, on the other hand, don't have their hands tied in what they can offer clients and may provide better advice."

Edwards reviews seven essential points that everyone should know regarding retirement planning.

• Avoid trying to time the market. Markets often move in cycles and some investors believe that they can boost their investment returns by buying at the bottom and selling at the top. The problem is that investors are terrible at correctly predicting market movements and multiple studies have shown that market timers usually end up with significantly smaller retirement savings than buy-and-hold investors. While it can be stressful to see your portfolio plummet during a market correction, it's important to stay calm and focus on your long-term strategy.

• Use risk-appropriate financial vehicles. Retiring can be a risky business. The days of relying on employer-provided pension plans are largely over and retirees now have to deal with risks including investment, inflation, healthcare, longevity and others. Though the total elimination of risk isn't possible, we can manage many of them through competent retirement planning and a clear understanding of factors like your goals, time horizon and financial circumstances.

• Invest in the most tax-efficient manner. Taxes can take a big bite out of investment returns, which is why we stress tax-efficient planning with our clients. While taxes are just one piece of the overall financial puzzle, it's important to structure your investments so that you are able to keep what you earn.

• Complete a cash flow analysis. Retirement will involve major changes to your finances. Sources and timing of income will change and financial priorities may shift as you start generating income from retirement savings. A cash flow analysis will identify spending patterns and help ensure that you have enough income to support your retirement lifestyle.

• Guarantee your required income. For many retirees, having income that is not subject to market fluctuations is an important part of their retirement plan. Many will have at least some level of guaranteed income from Social Security or defined benefit pension plans. However, if you are worried that your expenses exceed your guaranteed income, a financial advisor can help you explore options for additional streams of income for life. Guarantees are subject to the paying ability of the income provider.

• Utilize longevity planning. Today's retirees are living longer than ever and many worry about outliving their assets. Longevity planning is about preparing for a happy, comfortable and independent retirement and can help ensure that your wealth lasts as long as you need it to.

• Consider the effects of inflation. Inflation is one of the biggest issues facing retirees because they are disproportionately affected by rising prices. Escalating food, fuel and medical costs can devastate a retirement portfolio unless these costs have been factored into your planning. Positioning your retirement portfolio to fight inflation is critical to ensuring adequate income in retirement.

About Carl Edwards

Carl Edwards, MBA, ChFC®, is a Chartered Financial Consultant® and is the owner of C.E. Wealth Group, (http://www.cewealth.com). He has passed the Series 7, Series 66 and Series 63 securities industry exams. In addition, he has passed the Series 24 principal exam. He represents High Street Asset Management as an Investment Adviser Representative and Calton & Associates, Inc. as a Registered Representative. Edwards is also a licensed insurance agent in Life, Health, Medicare Supplement and Long Term Care insurances. Edwards received a master's degree in business administration and is currently completing a second master's degree in finance from Penn State University. He also is a member of the American MENSA.

Securities offered through Calton & Associates, Inc., Member FINRA/SIPC. Advisory services offered through High Street Asset Management. C.E. Wealth Group, LLC, High Street Asset Management and Calton & Associates, Inc. are separate entities. Insurance or insurance related products are offered through C.E. Insurances, LLC. Opinions expressed do not necessarily reflect those of Calton & Associates, Inc. or High Street Asset Management. Individuals should consult their tax/legal advisors before making tax/legal-related investment decisions as Calton & Associates, Inc. and its Registered Representatives do not offer tax/legal advice.

03 Oct 2014

SEASONAL EMPLOYMENT AVAILABLE Through The Salvation Army of the Quad Cities

By Holly Nomura

Quad Cities, IA/IL: Hundreds of Red Kettle Campaign bell ringers will be needed this season to help stand all fifty Quad Cities Red Kettle Locations. The hours can be as few as 8 hours per week, and as many as 40 hours per week. The bell ringing campaign will begin Friday, November 7, 2014.

The applications will be taken in ROCK ISLAND COUNTY beginning October 6th:

2200 -5th Avenue, Moline, IL

Monday through Friday 9am - 1pm

The applications will be taken in SCOTT COUNTY beginning October 1st:

3400 W. Central Park Avenue, Davenport, IA

Mondays 12pm - 3pm

Wednesdays and Fridays 9am - 3pm

Social security card and current photo id are required to be hired.

Volunteers are also sought: If you are interested in becoming a volunteer bell ringer, please go to www.ringbells.org for easy sign-up.

82 cents of every dollar donated to The Salvation Army is used to sustain

year-round programs that foster hope, and help change lives.

***

03 Oct 2014

ISU Extension Calendar late-October 2014

By Joy Venhorst

Oct. 15, 2014 Right-of-Way, Forest, and Aquatic Pest Management, Scott County Extension Office,

9:00 am-11:30 am

Oct. 23, 2014 Mosquito and Public Health Pest Management, Scott County Extension Office,

9:00 am-11:30 am

Oct. 28, 2014 Scott County Extension Council Meeting, Scott County Extension Office, 7:00 pm

03 Oct 2014

American Cancer Society Discovery Shop in Bettendorf to hold annual Fur & Glitz Reveal

By Jamie Sons

The Bettendorf Discovery Shop in Cumberland Square is excited to announce that Thursday, October 9^th from 10:00 A.M. until 7:00 P.M. we will be revealing our beautiful collection of fur coats and accessories, and our stunning special occasion men's and women's clothing, jewelry, and accessories.

The Discovery Shop is ready to help you to sparkle, shine, and glow for a great cause! Stop in on Thursday morning to be the first to see all of the lovely items that we have available. We will help you to find just what you need for your upcoming special occasions, and you can help us to raise money to help in the fight against cancer. Our donors have been very generous; we have an amazing assortment of items for you to choose from.

The Discovery Shop is an upscale resale shop selling gently used items all donated by the community it is owned and operated by the American Cancer Society with the proceeds going for cancer research, education, patient services, and advocacy. The shop is run mainly by a staff of over 80 volunteers. If you are interested in joining our volunteer group stop in the shop and join us in the fight against cancer.

If you have items that you would like to donate for this event or at any time, donations are gladly accepted during business hours and a tax receipt is always available. The shop welcomes men's, women's and children's gently used clothing, accessories, jewelry, collectibles and kitchen items. For more information find us on Facebook at www.Facebook.com/QCDiscoveryShop or on Twitter at QCDiscoveryShop

Regular shop hours are Monday, Tuesday, Wednesday and Friday from 10:00 a.m. to 5:00 p.m., Thursday 10:00 a.m. to 7:00 p.m., and Saturday from 10:00 a.m. to 4:00 p.m.

03 Oct 2014

The Christian Event of the Fall

By New Anthem

Jeremy Camp and Kutless The Come Alive Tour With Special Guest Adam Cappa 7:00 PM Wednesday, October 8th Adler Theater 136 East 3rd Street Downtown Davenport, Iowa This event is brought to us by Echo Ministries.

He is unapologetic about his faith, and his passion resonates through his worship songs and ballads that energize the entire audience to be reckless in their walk with God.

Since the release of his debut album Stay in 2002, BEC Recordings Jeremy Camp has had an outstanding career with 32 No.1 radio hits across all formats, four RIAA Gold-selling studio albums, five Dove Awards, a GRAMMY® nominated project and many more accolades.

Reckless is Camp's latest full-length record featuring the single and title track "Reckless." Camp is excited to share what God has been doing in his life on this new album. New and old fans alike will find Reckless to be as heart-felt and passionate as ever.

Tickets are on sale now!

* Tickets ($40, $30, $20)

* Groups of 10+ available at a special $18 rate!
* For Group seating:
* Call Melissa Shore 563-326-8526 or email the Box Office at mshore@riverctr.com

Tickets available here:
* Adler Theatre Box Office
* Online at Ticketmaster here: Get Tickets
* Charge by phone at 800-745-3000
* and at all Ticketmaster outlets

Adler Theatre Box Office:
136 East Third Street
Davenport, Iowa 52801
Phone 563-326-8555
The Adler Theatre Box Office operates Monday through Friday from 10:00 a.m. until 5:00 p.m.
The Box Office is closed on weekends and evenings, unless it is an event day where hours will vary.

Internet Purchasing: Online at Ticketmaster here: Get Tickets

Charge By Phone: call Ticketmaster at 1-800-745-3000

Ticketmaster Outlets:
· Bettendorf, IA: HY-Vee, 2900 Devils Glenn Rd.
· Davenport, IA: HY-Vee, 2200 West Kimberly Rd.
· Davenport, IA: Walmart, 3101 West Kimberly Rd.
· Davenport, IA: Walmart, 5811 Elmore Ave.
· Moline, IL: Walmart, 3930 - 44th Avenue Dr.
· Silvis, IL: HY-Vee, 2001 5th St.

03 Oct 2014

This Week in Downtown Davenport: 10/3 - 10/9

By QC Chamber

The Quad City Symphony Orchestra makes it's return this weekend when American Master pianist, Garrick Ohlsson, performs during Masterworks I: Into a New World. With a performance claimed to be arguably one of the most challenging concerto for piano, this is one concert you won't want to miss. On Wednesday, venture back to the Adler for a contemporary Christian performance by Grammy nominated musician Jeremy Camp.

Attention all PechaKucha Night lovers! You're in for a treat this month when the Figge Art Museum hosts not just one PechaKucha Night, but TWO! Learn about the artists who contributed to current exhibition, Artists First, during next Thursday's PechaKucha Night. Keep in mind the Rug Hooking Class starts this Tuesday, too, with a fall fun theme!

Celebrate the local harvest with seasonal tastings of local foods, live music, a silent auction, and delicious drinks next Thursday at the Quad Cities Food Hub. Here's yet another opportunity to enjoy local foods from local organizations! Until then, get pickled on Tuesday by learning the tricks to the trade of pickling beets during their Beet Pickles class.

The Iowa Route 6 Tourist Association invites you to rediscover downtown Davenport when their retro road trip, "Cruising the Ones," drives through town. Open to anyone with a classic car, come peruse a variety of other makes and models cruising Third and Fourth Streets next Thursday, October 9th. Spectators are welcome- just don't forget your cameras and lawnchairs!

Join Great River Brewery for their Punk'N Mator Tapping tomorrow to kick-off October the right way. Bring your favorite pumpkin dish to share and enjoy an evening full of fall flavors. Speaking of fall flavors, make some time this weekend to swing by Woodfire Grill to try one of their 40 new dishes on their fall menu!

So many things make Downtown Davenport a great place to live, work, and play- one of which being our astonishing riverfront. With Davenport in the running for USA Today's Best American Riverfront, it's time to show some love for our beautiful and unique location along the Mighty Mississippi and vote daily for Davenport!

See you downtown!

Athis and Ehrecke to perform in Luther's production of 'A Thread in the Dark'

By Julie Shockey

DECORAH, IA (10/02/2014)(readMedia)-- Michael Ehrecke, Luther College senior of Davenport, Iowa, and Lis Athas, Luther College senior of Blue Grass, Iowa, will perform as Nurse in Luther's Visual and Performing Arts production of "A Thread in the Dark," by Hella Haasse.

"A Thread in the Dark" is the story of an individual challenging gods, heroes, myths and monsters in pursuit of truth. In the story, Ariadne watches her father, King Minos, send 14 young men and women into the labyrinth as sacrifice to the minotaur each year. Horrified, Ariadne feels helpless to act, until Theseus is called in as a sacrifice. Buoyed by her love for Theseus, Ariadne finds the courage to demand that her father spare the lives of this year's 14. Instead, she soon discovers that deep within the labyrinth, there are secrets and terrors more horrible than monsters.

The performances, held in the Jewel Theatre in the Center for the Arts on the Luther campus, are at 7:30 p.m. Thursday, Oct. 9, 9:30 p.m. Friday, Oct. 10, and 1:30 p.m. and 7:30 p.m. Saturday, Oct. 11.

Ehrecke, the son of Mark and Nancy Ehrecke, is majoring in theatre at Luther. He is a 2011 graduate of Davenport West High School.

Tickets for the performances are $12 for adults, $5 for children five and under. Tickets can be purchased at Luther's ticket website, www.tickets.luther.edu, by calling the Ticket Office at (563) 387-1357, or by visiting the Luther Ticket Office, open Monday, Wednesday and Friday, 9-10:30 a.m. and 11a.m.-3 p.m.; and Tuesday, 9 a.m.-3 p.m., with extended hours on Thursdays, 9 a.m.-7 p.m.

"A Thread in the Dark" is directed by guest director, Ylfa Muindi.

Recently Muindi wrote and performed her one-woman show, "Typhoid Fever", as part of Chicago's long running fringe festival, Rhino Fest. She regularly collaborates with Redmoon Theater, which used her puppets for "Astronaut's Birthday" at the Museum of Contemporary Art. In Chicago she has also worked with Collaboraction, Curious Theater Branch, Rough House, Screen Door Productions and the Whiskey Rebellion.

Muindi's unique style is evident in all her productions. She says, "I utilize puppetry, spectacle, and robust physical performance to tell stories in ways that overcome the barriers created by language, ability and societal norms."

02 Oct 2014

WQPT Upcoming Event

By Lora Adams

WQPT's Embracing Our Military initiative is holding a free Workforce Symposium for National Guard, Reserve, Active Duty, Retired Military and Military Spouses.

WHAT: Workforce Symposium

WHEN: November 7, 2014

10:00 am to 3:00 p.m.

WHERE: Western Illinois University - Quad Cities

3300 River Drive, Moline, IL

Itinerary:

10:00 a.m. Workshop: Reinventing Michael Banks

11:00 a.m. Dressing for Success

Noon Lunch and Fair

1:00 p.m. Workshop: Speed Networking

2:00 p.m. Workshop: Resume Building and Mock Interviewing

2:30 p.m. Volunteerism - A New Mission for Veterans

Sponsored by: UnityPoint Health -Trinity, RIA, Dispatch, WQPT

02 Oct 2014

Braley Visits Cedar Rapids and Iowa City to Discuss His Plans to Fight for Working Iowans

By Sam Lau

In contrast, Sen. Ernst stands with the oil billionaire Koch brothers backing her campaign

Cedar Rapids, IA?Today, Bruce Braley visited the Blue Strawberry Coffee Company in Cedar Rapids and the Hamburg Inn No. 2 in Iowa City to talk to Iowans about the issues that matter to them and his plans to fight for working families in the U.S. Senate.

Braley spoke with Iowans today on a variety of issues?from his plans to increase the minimum wage and provide 300,000 Iowans with a pay raise, to his fight to protect and strengthen Social Security and Medicare for all generations of Iowans, to his efforts to work across the aisle to protect the Renewable Fuel Standard that supports nearly 75,000 Iowa jobs, to his efforts to keep college affordable.

"Today I had important conversations with my fellow Iowans on the issues that matter to them?from growing the economy and creating jobs, to raising the minimum wage, to protecting retirement security and maintaining access to a quality and affordable education," said Braley. "What I heard from almost everyone was they want a U.S. Senator who can bring people together and put Iowa first. I am proud of my record of reaching across the party divide to deliver results for Iowa, and I will always make Iowa's working families my number one priority."

State Sen. Joni Ernst has sided with the oil billionaire Koch brothers backing her campaign on these and other issues. Ernst thinks $7.25 per hour -- or $15,000 per year -- is an "appropriate" minimum wage for Iowa; has said that privatizing Social Security "is an option"; and has said that the federal government needs to get out of the student loan business.

Yesterday, Braley visited two ethanol plants in northwest Iowa to discuss his efforts to protect the Renewable Fuel Standard and pass a Farm Bill. Braley has earned the endorsement of the Iowa Corn Growers Association. In contrast, Sen. Ernst has said she is "philosophically opposed" to the RFS and would have voted against the Farm Bill.

# # #

02 Oct 2014

Agriculture Secretary Tom Vilsack to Announce New Support for America's Specialty Crop Producers

By USDA Office of Communications

2014 Farm Bill's marquee specialty crop programs now providing funding

WASHINGTON, Oct. 1, 2014 - TOMORROW, Agriculture Secretary Tom Vilsack will host a media conference call to announce new funding to help grow Florida's, and the nation's, specialty crop industries. Specialty crops include fruits and vegetables, as well as nuts and nursery products. The funding is being provided through the 2014 Farm Bill's marquee specialty crop programs, which substantially increased specialty crop support for fruit and vegetable growers.

The 2014 Farm Bill provided historic support to strengthen rural communities by supporting local and regional markets and improving access to fresh, healthy, and nutritious high quality products for millions of Americans. It is one of relatively few bipartisan pieces of legislation passed during this session of Congress.

Thursday, Oct. 2, 2014
3:30 p.m. EDT

WHAT: Agriculture Secretary Tom Vilsack will host a media conference call to announce new funding to help grow Florida's, and the nation's, specialty crop industries.

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7 Cardinal Rules to Retirement Planning

SEASONAL EMPLOYMENT AVAILABLE Through The Salvation Army of the Quad Cities

ISU Extension Calendar late-October 2014

American Cancer Society Discovery Shop in Bettendorf to hold annual Fur & Glitz Reveal

The Christian Event of the Fall

This Week in Downtown Davenport: 10/3 - 10/9

Athis and Ehrecke to perform in Luther's production of 'A Thread in the Dark'

WQPT Upcoming Event

Braley Visits Cedar Rapids and Iowa City to Discuss His Plans to Fight for Working Iowans

Agriculture Secretary Tom Vilsack to Announce New Support for America's Specialty Crop Producers

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