Advisors To The Affluent Offer Tips for People Concerned About World Events

The summer's headlines grew increasingly shocking:

• Malaysia Airlines Passenger Jet Shot Down Over Ukraine

• Israel Steps Up Airstrikes as Gaza Buries Dead

• U.S. Warplanes Strike ISIS in Iraq

The violence and instability, along with worries about the Federal Reserve ending its market-bolstering stimulus and raising interest rates, precipitated a negative return in July for the Dow Jones Industrial average, the first decline in 2014. Should you be taking steps to protect your portfolio?

If the recent geopolitical events have made you uneasy about the possible effects on your portfolio, now might be a good time to evaluate the real risks you are taking, says wealth management expert Chris Snyder, co-founder with Haitham "Hutch" Ashoo of Pillar Wealth Management, LLC, www.pillarwm.com. (Get their white paper, Intelligent Investing: Making Smart Investing Decisions In Today's Volatile Market, at the website.)

"You have to allocate your assets to avoid Undue Risk which will help protect your portfolio through  the inevitable wars, natural disasters, recessions and depressions that will occur," Ashoo says.  "That's right - not if, will. A well-diversified portfolio provides peace of mind."

Snyder and Ashoo offer these tips for weathering today's troubles - and those to come in the years ahead:

•  Ensure your portfolio is diversified.
Modern Portfolio Theory, developed by Nobel Prize-winner Harry Markowitz, tells us that 90 percent of the return in your portfolio is based on the allocation of stocks, bonds and cash, Snyder says.

"The percentages you allocate between these asset classes is far more important than timing the market or chasing around for the best manager, hedge fund, gold/commodities, dividend paying stocks or whatever Wall Street's next pitch is," he says.

•  Steer clear of active portfolio management.
Trying to outperform the markets involves active trading, which can have great impacts on your portfolio's net return. With active management normally comes high management fees and high portfolio turnover, which lead to higher taxes and transaction costs, potentially leaving Wall Street and the IRS the biggest winners!

"World-class investment management must rise above the noise from Wall Street and day to day news headline," Ashoo says.

• Never make financial decisions based on emotion.

Individual investors tend to buy and sell based on the emotions: greed and fear. When the markets are up, they tend to buy, hoping to catch a piece of the rise, yet when markets are losing, fear sets in and investors sell. Investing with emotion often leaves investors wondering why they are overweight in growth investments before a market drop and subsequently why they were out of the market when it recovered.

"Be sure that you and your investment advisers are qualified to understand and test the volatility and risk consequences your portfolio faces before the next big bad event happens " Snyder says.

About Chris Snyder and Haitham "Hutch" Ashoo

Chris Snyder and Haitham "Hutch" Ashoo are co-founders of Pillar Wealth Management LLC, (www.pillarwm.com), of Walnut Creek, Calif., specializing in customized wealth management advice to affluent families. Their unique five-step consultative process for new clients ensures they have a deep understanding of clients' goals. With a combined 51 years of experience, they are the authors of numerous published works, have addressed thousands of investors nationwide, and have been interviewed on radio shows across the country.

Educational Researcher Says It Will Boost Learning
& Cut Costs

Less than half of high school graduates who took the SAT in 2013 were prepared for college, continuing a five-year trend.

Less than half - 44 percent -- who took the ACT had the reading skills necessary for college. That's down from 53 percent in 2009. And nearly a third failed to meet standards in four areas: reading, English, science and math.

The failures have persisted despite years of new tests, new curricula and new demands on teachers, notes educational researcher and consultant Charles M. Reigeluth, author of "Reinventing Schools: It's Time to Break the Mold," (www.reigeluth.net).

"We continue to approach the same problems with the same sorts of solutions, despite the fact that they're not working," he says. "Instead, we need a fundamental shift in how we educate our children. Our public school system was designed to meet the needs of a long-ago era - the Industrial Age. It's not working because we're now in the Information Age."

Teachers unfairly shoulder much of the blame for the lack of progress, he notes, but they're hamstrung by roles and rules that don't work for 21st century students.

"We need to change from teacher-centered education to learner-centered. In the Industrial Age paradigm, teachers are a judge and a perceived threat. In the Information Age, they should be guides and coaches who help students overcome obstacles," says Reigeluth.

His multidimensional approach includes reducing bureaucracy in schools; encouraging students to teach each other with teacher supervision; having interns and other paraprofessionals, including retiree volunteers, assist with guiding student learning; and creating an "educational cooperative," where a community's adults can earn access to learning resources, advancing their own education, in exchange for helping students learn.

"The new paradigm can significantly reduce the cost of education while increasing the quality," says Reigeluth, who outlines the five new roles teachers would have in this redesigned system.

•  Mentor ... the same 20 to 30 students for several years, addressing all aspects of student development. Students and teachers would develop the deeper relationships that foster real caring on both sides. Mentors would help students prepare a personal learning plan for each project period, six to 12 weeks, including helping each student and his parents choose appropriate instructional goals, subject to standards set by the community, state and nation. Mentors would also help identify and support the best means for each student to achieve those goals.

•  Designer ... of student work options, mostly projects or tasks, to engage students in the learning process. Open educational resources developed by teachers throughout the country and available to all educators for free via the Internet can alleviate much of the burden of the designer role.

•  Facilitator ... of the learning process, which entails monitoring student progress, enhancing student motivation and coaching student performance.

•  Learner ... the teacher is always learning with the students, about students, from and for the students. The teacher does not have all the answers, but the teacher helps students find answers. And the teacher is always learning more about how best to meet students' needs. The new paradigm provides sufficient support for teacher learning.

•  Owner and manager ... of the school. Like lawyers and accountants in a small firm, teachers would be partners who own their public school and make decisions about its operations, including budgeting and staffing. This model is already a success at the Minnesota New Country School and other EdVisions schools. This role elevates teachers to that of true professionals, rather than workers controlled by an all-powerful bureaucracy.

"These new roles offer empowerment to those who are most affected by our system, the student and the teacher, the latter of whom I suggest calling 'guides' to better reflect their new roles," Reigeluth says. "The new roles better serve students in the age in which we live."

About Charles M. Reigeluth

Charles M. Reigeluth is a distinguished educational researcher who focuses on paradigm change in education. He has a B.A. in economics from Harvard University, and a Ph.D. in instructional psychology from Brigham Young University. He was a professor at the Instructional Systems Technology Department at Indiana University, and is a former chairman of the department. His new book, "Reinventing Schools," (www.reigeluth.net), advocates and chronicles a national paradigm change in K-12 education. He offers presentations and consulting on this topic.

New Thompson Center Exhibit to Honor Illinois' Relationship with

World Waterways

CHICAGO - Governor Pat Quinn today proclaimed September 7-13, 2014 as "Illinois Sister Rivers and Lakes Week" to celebrate the importance of the Illinois River and Lake Michigan, and address the shared challenges of waterways throughout the world. The Governor will salute Illinois' eight "Sister Rivers and Lakes" partners on four continents with a free exhibit, open to the public this week in the James R. Thompson Center Atrium, 100 W. Randolph, Chicago.

"Illinois was defined geographically, historically and economically by the Illinois River, Lake Michigan and other waterways, which are treasures to be preserved and protected for all time," Governor Quinn said. "Through such innovative solutions as Mud-to-Parks and the Illinois Clean Water Initiative, we are ensuring that these waterways can be used for recreational and commercial purposes, while protecting the many fish, animals and birds that rely on them."

Governor Quinn has forged relationships with officials representing Brazil's Capibaribe River, China's Huangpu River, Ireland's River Lee, Israel's Lake Kinneret, Japan's Saitama Prefecture, Mexico's Lake Pátzcuaro, Poland's Vistula River and South Korea's Han River.

Inspired by the success of the Sister Cities program, Governor Quinn launched "Illinois Sister Rivers and Lakes" in 2007 when, as Lieutenant Governor, he visited Poland and was struck by the beauty of the Vistula River. Since then, Governor Quinn has led trade missions to Seoul, South Korea; Shanghai, China; Israel; Mexico City; Recife, Brazil; Saitama, Japan; and Cork, Ireland, and has met with local water authorities in each nation to discuss shared challenges.

The exhibit describes each of the "Sisters," their historical significance and tourism opportunities. Governor Quinn's solutions to such common problems as aging dams, obsolete water treatment facilities, invasive species and silt are also detailed. The exhibit documents Illinois' pioneering role in fostering water technology companies, and how the Governor's $2 billion Clean Water Initiative is helping local governments modernize their water treatment plants and pipelines, some of which date back to the 19th Century.

On his website www.sisterrivers.Illinois.gov, Governor Quinn invites people across Illinois who are considering a trip abroad to consider visiting one of Illinois' "Sister Rivers and Lakes." Tourism opportunities include :

 

·         Enjoying geothermal springs and Marugami Falls in Japan's Saitama Prefecture.

·         Butterfly-watching near Mexico's Lake Pátzcuaro.

·         Long-distance swimming in Israel's Lake Kinneret.

·         Seeing the Moonlight Rainbow Fountain over South Korea's Han River.

·         Bass-fishing on Ireland's River Lee.

·         Viewing Shanghai's skyline from a ferry on China's Huangpu River.

·         Biking along Brazil's Capibaribe River.

·         Kayaking past ancient castles on Poland's Vistula River.

Governor Quinn also encourages people across Illinois to roll up their sleeves and volunteer for one of the many waterway clean-ups scheduled this fall:

·         September 20 - World's Largest Shoreline Clean-up - Chicago's Jarvis, Sherwin, Loyola, Hartigan, Pratt, Osterman, Montrose, Belmont, Oak Street, 71st Street, and Rainbow Beaches.

·         September 20 - World's Largest Shoreline Clean-up - North Chicago's Foss Beach.

·         September 20 - Somme Woods East, Chicago River, Northbrook.

·         September 21 - Illinois River Sweep, Allen Park, Ottawa.

·         September 21 - Illinois River Sweep, Forest Park Nature Center, Peoria Heights.

·         September 21 - 31st Annual Kankakee Iroquois River Clean-up, Various sites.

·         September 21 - Vermilion River Clean-up, Humiston Woods Nature Center, Pontiac.

·         September 21 - Sangamon River Clean-up, Lake of the Woods Forest Preserve, Mahomet.

·         September 21 - Fox River, Cornish Park, Algonquin.

·         September 27 - Blue Star Memorial Woods, Chicago River, Glenview.

·         September 27 - Kickapoo Meadows and Whistler Woods, Lake Calumet, Riverdale.

·         October 4 - LaBagh/Hernandez Woods, Chicago River, Chicago's North Side.

·         October 15 - World's Largest Shoreline Clean-up - Chicago's 12th Street Beach.

·         October 24 - World's Largest Shoreline Clean-up - Chicago's 63rd Street Beach.

 

The Governor's proclamation is attached.

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Rock Island, IL - The Foundation for TJX Companies, Inc., one of the leading off-price retailers of apparel and home fashions in the U.S. and worldwide and owner of TJ Maxx and Marshalls, provided Christian Care with a $5,000 grant to support its rescue mission and domestic violence shelter.

"We are tremendously grateful for the support that the TJX Foundation has given Christian Care," said Elaine Winter, Christian Care's Chief Executive Officer. "This funding will help us provide shelter and food for so many individuals in the Quad Cities. Last year, for example, we sheltered nearly 230 men, women and children and provided nearly 60,000 meals. With the changing seasons, we expect that the need for food and shelter in our community will be even greater, so this funding is arriving at a good time."

Christian Care is transforming the lives of homeless individuals, victims of domestic violence, veterans, men and women coming out of prison, and those with mental illness. Its two facilities?a domestic violence shelter for abused women and children and a rescue mission for homeless men?provide safe shelter, nutritious meals, clothing, counseling, self-development programs, referrals and guidance to those in need. Its services are available 24 hours a day, seven days a week with the goal of nourishing the bodies, minds, hearts and souls of the men, women and children who come seeking a new way of life. If you know someone in need, call the Christian Care crisis hotline any hour of the day or night at (309) 788-2273.

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It's beyond question, now that "Gone With the Wind" is celebrating the 75th anniversary of its release, that movie fans everywhere still do give a damn about one of the landmark films of Hollywood's original Golden Age. So Fathom Events, along with Warner Bros.
Home Entertainment and Turner Classic Movies (TCM), is honored to bring the 10-time Oscar®-winning film back to cinemas - its initial home - for four screenings on two days. "TCM Presents: Gone With the Wind" will be exhibited, in its original 1:37 aspect ratio, at 2 p.m. and 7 p.m. on Sunday, September 28 and Wednesday, October 1.  In addition to the classic film, which starred Vivien Leigh as Scarlett O'Hara, Clark Gable as Rhett Butler, Olivia De Havilland as Melanie Hamilton, Leslie Howard as Ashley Wilkes and Oscar®-winner Hattie McDaniel, "TCM Presents: Gone With the Wind" will include a specially produced introduction by  TCM host and film historian Robert Osborne.
"TCM Presents: Gone With the Wind" will be shown at the following cinemas in your area on September 28 and October 1:
Cinemark Davenport 18 with IMAX 3601 E 53Rd St Davenport IA 52807
Tickets are available now at participating theater box offices and online at www.FathomEvents.com.

The Muscatine Art Center holds tens of thousands of objects in its collection. Like many museums, only a small percentage - as little as one percent - of the collection is on view at any given time.

On Thursday, September 11, 2013, the Muscatine Art Center will offer behind-the-scenes collection storage tours for those interested in seeing the storage area and learning how the staff documents, cares for and manages the collection. The tour is from 5:30 to 6:45 P.M.  Space is limited to 12 people  and registration is taken on first come, first served basis.

Don't miss this opportunity to see stored treasures from the Art Center's permanent collection. Join a tour group for a truly unique experience as you hear about how the museum operates from the inside out and have your individual questions answered by staff.

HIGHLIGHTS:

  • Rarely seen "cool stuff" from the Art Center - art objects and artifacts that tell fascinating stories about Muscatine and/or the region.
  • Main collection storage areas and hidden storage areas in the Musser Museum.
  • Textile and print storage.
  • The original Musser Carriage House and Musser Museum basement.
  • Explanation of how museums keep track of collections.

BOOKING INFORMATION:

  • Tours are limited to a maximum of 15 people. Please indicate the tour time you would like to be a part of.
  • Tours are for adults and children over 12 years of age (12-16 year olds need to be accompanied by an adult).
  • Tour duration is approximately 1 hour and 15 minutes.
  • As a courtesy to other participants, please be on time.
  • Physical accessibility is somewhat limited with the full behind-the-scenes tour including narrow stairs. Please notify us at the time of booking of any special requirements.
  • For security reasons, you may not take mobile phones, cameras, videos, other electrical equipment, bags, food or drinks on the tour. All personal items must be checked before the tour departs.

Call NOW to reserve a place in the Muscatine Art Center's Behind-the-Scenes experience!

EVENT DETAILS:

What: Muscatine Art Center's Behind-the-Scenes Collections Storage Tour

Who: Hosted by MAC staff

When: Thursday, May 9, 2013

Times: 5:30-6:45 PM

Where: The Muscatine Art Center

Admission to this tour is FREE.

Please contact Melanie Alexander, Director, with any questions or concerns at

563-263-8282 or by email  at malexander@muscatineiowa.gov.

The Muscatine Art Center is located at 1314 Mulberry Avenue in Muscatine, Iowa. Hours are Tuesday through Friday from 10:00 a.m. to 5:00 p.m., Thursday evenings until 7:00 p.m., and Saturday and Sunday from 1:00 to 5:00 p.m. Admission is free. Donations are appreciated. Go to www.muscatineartcenter.org for more information about programs and events and to download a class brochure.

Friday, September 12, 2014 ? 11:00 A.M.

Rock Island County Office Building, Third Floor Room 320

Bi-State Regional Commission

1504 Third Avenue

Rock Island, Illinois

1. Introductions and Consideration of June 13, 2014 Meeting Minutes ? (Copies of the Minutes are included in Task Force members' packets.)

2. Air Quality and Transportation Planning Tool - (Presentation from ICF on alternative fuels analysis tools currently being developed through a webinar.)

3. Quad City Health Initiative Strategic Plans and the Built Environment - (Nicole Carkner, Quad City Health Initiative Executive Director, will present on their strategic plans and how they relate to the built environment and air quality)

4. Update from Resource Agencies on Current Air Quality Status/Issues - (Resource Representatives from Iowa Department of Natural Resources, Illinois Environmental Protection Agency and Other Agencies as Available)

5. Local Status Report and Air Quality Issues ? (Status report in members' agenda packets.) - Brandon Melton

6. Other Business

7. Scheduling of Next Meeting - December 12, 2014

8. Adjournment

Congressman: The Guard deserves the funding they need

Washington, D.C. - As a budget shortfall potentially threatens the Iowa National Guard's September training exercises, Rep. Bruce Braley (IA-01) today pushed the House Appropriations Committee to approve a reallocation of funds that would allow the Guard to hold its scheduled drills.

A high participation rate in previous training exercises this year, along with higher than expected training costs, has contributed to a $2.4 million budget shortfall in the Iowa National Guard's budget. If that shortfall is not addressed, it could jeopardize Guard drills scheduled for September. It is expected that the National Guard will submit a reprogramming request that will allow them to transfer money between accounts, allowing the proposed drill to go forward as scheduled.

"It's important that the Iowa National Guard has the resources they need to conduct their scheduled exercises?and that members of the Guard who rely on income from this training aren't exposed to unnecessary financial hardship," Braley said. "The Iowa National Guard has done a tremendous service to our state, both domestically and abroad, and it's important that they have the funding they need."

 

Braley's letter to leaders of the House Appropriations Committee urges them to approve any reprogramming request made by the Guard that would allow them to carry out their currently scheduled exercises.

"After all the sacrifices made by our brave men and women in uniform, we should do everything in our power to ensure that the National Guard has the funds required to carry out their scheduled training sessions," Braley wrote.

Braley has been a consistent advocate for Iowa's National Guard. This year, he repeatedly fought proposed cuts to the Iowa National Guard, citing their work on behalf of Iowans in the aftermath of natural disasters and in combat deployments outside the United States. In December of 2012 he joined Rep. Tom Latham in efforts to block cuts to the Des Moines Air National Guard.

A copy of Braley's letter is available below.

 

September 4, 2014

 

The Honorable Rodney Frelinghuysen              The Honorable Peter Visclosky

Chairman                                                           Ranking Member

Subcommittee on Defense                                Subcommittee on Defense

Committee on Appropriations                            Committee on Appropriations

H-405 Capitol Building                                       1016 Longworth HOB

Washington, DC 20515                                      Washington, DC 20515

Dear Chairman Frelinghuysen and Ranking Member Visclosky,

It has come to my attention that The National Guard has an approximate $101 million funding shortfall for the remainder of the fiscal year, with the Iowa National Guard's portion of the shortfall totaling roughly $2.4 million. This has raised the possibility of canceling scheduled training drills for the month of September.

The possibility of cancelling drills is extremely troubling and would lead to a loss of income for Guard members?many of whom rely on the income for basic necessities. After all the sacrifices made by our brave men and women in uniform, we should do everything in our power to ensure that the National Guard has the funds required to carry out their scheduled training sessions. I urge you to remedy this issue by swiftly approving any reprogramming request submitted by the National Guard.

Thank you for your consideration on this important matter and I look forward to hearing from you.

Sincerely,

Bruce Braley

Rock Island, IL - Christian Care has received a $500 grant from the Rock Island Community Foundation to help provide counseling for children who arrive at its domestic violence shelter with their mothers.

As victims or witnesses to domestic violence, these children are affected emotionally, socially, psychologically, physically, and behaviorally during their formative years, and their well-being and cognitive development ultimately impacts their adult functioning if left untreated. These children are three times more likely to grow up and repeat the patterns of domestic abuse, either by becoming a victim of an abusive relationship, or an abuser.

By intervening in the lives of the children, and providing legal advocacy if needed, Christian Care creates an opportunity to heal what would otherwise become long-term and perhaps even permanent emotional and mental scars resulting from the trauma of the children's exposure to domestic violence.

Christian Care is transforming the lives of homeless individuals, victims of domestic violence, veterans, men and women coming out of prison, and those with mental illness. Its two facilities?a domestic violence shelter for abused women and children and a rescue mission for homeless men?provide safe shelter, nutritious meals, clothing, counseling, referrals and guidance to those in need. Its services are available 24 hours a day, seven days a week with the goal of nourishing the bodies, minds, hearts and souls of the men, women and children who come seeking a new way of life. If you know someone in need, call the Christian Care crisis hotline any hour of the day or night at (309) 788-2273.

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MOLINE, Ill., Sept. 5, 2014 (GLOBE NEWSWIRE) -- Ruhl Mortgage and Quad City Bank & Trust, a wholly-owned subsidiary of QCR Holdings, Inc. (Nasdaq:QCRH), announced today that they have formed a new joint venture to provide mortgage services and products to their clients.

The new venture is pending certain regulatory approvals and is anticipated to commence operation in the fourth quarter of 2014. The combined entity will operate as Ruhl Mortgage.

"Ruhl Mortgage, Ruhl&Ruhl Realtors and Quad City Bank & Trust all have their roots in the Quad Cities Region," said Caroline Ruhl, President of Ruhl&Ruhl Realtors. "Our companies share common philosophies: we are all relationship driven and focused on delivering extraordinary customer service."

"We are so pleased to be partnering with the market leader in residential real estate sales and services," stated John Anderson, President and CEO of Quad City Bank & Trust. "With this new partnership, Quad City Bank & Trust will be able to expand our product offerings and capitalize on the strengths of both companies' commitment to our clients."

Ruhl Mortgage offers purchase and refinance loans, including FHA, VA and Rural Development loans, second home loans, down payment and closing cost assistance programs, and loans for investment properties and relocations. Additionally because of the new partnership with Quad City Bank & Trust, Ruhl Mortgage will now be able to offer portfolio, bridge and new construction loans.

All mortgage staff from Quad City Bank & Trust and Ruhl Mortgage are being offered positions with the new venture. The new company will be led by Jane Schneider, President.

The staff of 22 professionals will include 10 loan officers or loan officer assistants, and 12 operations and support staff. The operations center will be located at 1701 52nd Avenue, Moline, IL.

The company will serve the same regional market as Ruhl&Ruhl Realtors, encompassing 13 MLS's (Multiple Listing Services) throughout eastern Iowa, northwestern Illinois, and southwestern Wisconsin. Loan officers will be located in Davenport, Bettendorf, Moline, Dubuque, Iowa City, Muscatine, Clinton, and Cedar Rapids, with travel to other locations as needed.

"We are a full-service mortgage banker dedicated to each relationship from application to closing," said Jane Schneider, President of Ruhl Mortgage.

Contact Ruhl Mortgage at 309-743-8061 or visit www.RuhlMortgage.com to contact a loan officer, to get pre?approved online, or for more information on home financing.

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