WASHINGTON - Senator Chuck Grassley, Ranking Member of the Senate Judiciary Committee, is pressing Attorney General Eric Holder to direct the Department of Justice to publicly disclose its opinions, analyses and conclusions concerning the lawfulness of all executive orders proposed by the President.

"The President has made it clear that he'll circumvent Congress if it doesn't act on the President's priorities.  His actions suggest a certain amount of disrespect for the legislative branch and the checks and balances set forth in the Constitution," Grassley said.  "It would be a constructive step, and consistent with the President's commitment for unprecedented levels of transparency, for the Justice Department to release its opinions and analyses on the constitutionality of the President's executive actions."

In a letter to Holder Grassley wrote, "I am gravely concerned that the system of checks and balances enshrined in the Constitution is threatened by the President's determination to take unilateral action if he cannot persuade Congress and the American people of the merits of his ideas."

The President's use of executive orders is subject to review by the Department of Justice. The Office of Legal Counsel at the department reviews all executive orders proposed to be issued by the President to determine whether they are constitutional and otherwise lawful.

Grassley added, "This specific measure of transparency will allow both Congress and the American people to know whether these orders are being subjected to a rigorous constitutional review at the Department of Justice, as well as to better understand - and if necessary to challenge - the legal basis upon which they are purportedly issued."

A copy of the text of the letter  is below.  A signed copy can be found here.

 

January 31, 2014

Via Electronic Transmission

 

The Honorable Eric H. Holder, Jr.

Attorney General

U.S. Department of Justice

950 Pennsylvania Ave., NW

Washington, DC 20530

 

Dear Attorney General Holder:

I write today to follow up on my question concerning the President's use of Executive Orders that I posed to you during Wednesday's Department of Justice oversight hearing.

In his State of the Union address earlier this week, the President made plain his intention to implement his agenda through aggressive use of these orders - whether or not the Congress and the American people agree.  I am gravely concerned that the system of checks and balances enshrined in the Constitution is threatened by the President's determination to take unilateral action if he cannot persuade Congress and the American people of the merits of his ideas.  In short, while the President recently remarked that he has a pen and a phone, we have a Constitution that places limits on his use of them to issue Executive Orders.

My concern about the President's proposed use of these orders is heightened by the Administration's record of failing to discharge its constitutional duty to "take Care that the Laws be faithfully executed," either by declining to enforce laws with which it does not agree or delaying or waiving portions of other laws to suit its convenience.

However, the President's use of these orders is subject to review by the Department of Justice.  Since the passage of the Judiciary Act of 1789, the Attorney General has been authorized to render opinions on questions of law when requested by the President and the heads of Executive Branch departments.  Today, as you know, the Department of Justice's Office of Legal Counsel ("OLC") provides legal advice to the Executive Branch on constitutional questions.  More specifically, OLC reviews all Executive Orders proposed to be issued by the President to determine whether they are constitutional and otherwise lawful.  OLC's role in this process provides a valuable opportunity to increase transparency concerning the President's use of these orders.

Therefore, I reiterate my request that you direct OLC to publicly disclose its opinions, analyses and conclusions concerning the lawfulness of all Executive Orders proposed to be issued by the President.  Moreover, I request that these disclosures be made contemporaneously with the issuing of any such order OLC deems to be lawful.

On numerous occasions, the President has claimed that he is committed to creating an unprecedented level of openness and transparency in government, but he has failed to do so.  This specific measure of transparency will allow both Congress and the American people to know whether these orders are being subjected to a rigorous constitutional review at the Department of Justice, as well as to better understand - and if necessary to challenge - the legal basis upon which they are purportedly issued.

Given the urgency of this matter, I respectfully request a response by February 14th.

Sincerely,

Charles E. Grassley

DES MOINES - Today, AFSCME Iowa Council 61 President Danny Homan issued the following statement regarding the Des Moines Airport Authority's decision to schedule a Board vote for tomorrow on the pending contract with Pro-Tec Fire Services:

"The Des Moines Airport Authority Board is showing a callous disregard for the safety of airport passengers by plowing ahead with this risky, unsafe outsourcing plan. As we detailed in our previous news release, Pro-Tec Fire Services has a troubled history and the Airport Authority's Request for Proposal included staffing requirements that are insufficient to meet OSHA requirements and National Fire Protection Association (NFPA) staffing and interior firefighting safety standards. The staffing level is so minimal that in a crash, Pro-Tec employees will only be able to focus on putting the fire out?not assisting injured passengers.

"At a January 29th meeting with Airport Authority managers some current Airport Firefighters/Medics made a sensible proposal to have the Airport Authority hire the current firefighters/medics as Airport Authority employees. The Airport's Assistant Executive Director and General Manager, Kevin Foley, stated that the airport is 'a business and is making a business decision.' He further claimed that the airport does not have to follow OSHA and NFPA standards.

"The Airport Authority is not a business. It is a public entity with board members nominated by the Mayor of Des Moines and appointed by the Des Moines City Council. Its priority should be safety, period."

"We ask all members of the public who support a safe airport to show their opposition to this dangerous proposed contract with Pro-Tec. We encourage them to attend the Authority Board meeting on Tuesday at 9 am in the second floor boardroom at the airport terminal."

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Farmer-funded projects drive innovations in soy chemistry, keep industrial demand on rise

ST. LOUIS (February 3, 2014) - Various performance and environmental attributes have made U.S. soy increasingly popular among product manufacturers, which has helped boost industrial demand for soy. That's why last year, the soy checkoff  partnered with manufacturers to commercialize 38 new soy-based products and ingredients.

The list of products developed with soy checkoff support in 2013 includes new additions to some popular soy-based product categories, such as coatings, adhesives and plastics. It also includes soy-based ingredients that could be used in countless new products.

Dale Profit, a soy checkoff farmer-leader and soybean farmer from Van Wert, Ohio, recognizes the value-added prospects of industrial soy use.

"USB is helping discover other products that can be made from soy to add to farmers' bottom lines," says Profit. "These products are good for the farmer, the customer and all the people in between."

Soybean meal's primary use remains animal feed, while most soybean oil goes to human food, Profit adds. But versatile soy can also help manufacturers replace petrochemicals and possible carcinogens in their products. Soy-based products are more renewable and environmentally friendly and in some cases, perform better.

Click here to browse USB's Soy Products Guide, an online catalog of the thousands of currently available soy-based products, ingredients and manufacturers.

New soy-based products and ingredients introduced in 2013 as a result of USB support include :

PLASTICS

MASEO (Maleinated Acrylated Epoxidized Soybean Oil) - A soybean-oil-based resin used to make plastic. It is made by Dixie Chemical Company, Inc.
Innergy™ Rigid Thermal Reinforcements - A fiberglass and soy-based urethane
insert that slides into window frames for greater support and insulation. It is marketed by Deceuninck North America.
INFIGREEN® Recycled Polyols - Produced by Emery Oleochemicals, and are used in foam seats of the Jeep Grand Cherokee and Dodge Durango.

COATINGS /PRINTING INKS/SOLVENTS

SoBind™ Balance - By DuPont™ is used in coatings and adhesives.
Varathane Diamond Floor - A wood-floor coating containing soy flour. It is made by Rust-Oleum®.
G.E.T. Biobased Safety Yellow - A zero-volatile-organic-compound (VOC) coating that contains soybean oil, biodiesel glycerin and soy methyl ester. It is made by Niemann & Associates.
ProClassic® - A multipurpose water-based soy acrylic alkyd primer, satin deck and siding product line made by Sherwin-Williams.
Pro-Park® - A soy- based parking-lot paint by Sherwin-Williams.

ADHESIVES

Meta-Tec® Products - Soy-based adhesive products for floor-covering installations, including carpet, resilient flooring and wood adhesives. They are made by W.F. Taylor Company.
PSA64MA - A soy-based material by Applied Protein Systems that is used in adhesives on paper cones where yarn and thread are wound.
Millenium One Step™ Green Insulation Adhesive - A soy-based, all-weather adhesive by ADCO used to install flooring.
Elemental - A soy-based wood-composite adhesive that is formaldehyde-free. It is available from States Industries.

PAPER

PSA35MA - A soy-based material used to coat paperboard. It is made by Applied Protein Systems.   
SUNKOTE® AU 4203 and 4240 - Soy-based products that are used as lubricants for paper and paperboard coatings. They are made by Omnova Solutions.

SURFACTANTS

Armeen® S - A corrosion inhibitor for oilfields that is made by Akzo Nobel Surface Chemistry, LLC.
Ethomeen® S/12 - A cleansing surfactant for oilfields and dry cleaning that is made by Akzo Nobel Surface Chemistry, LLC.
Arquad® SV 60 PG - A foaming, antistatic, emulsifier, wetting agent used in laundry products from Akzo Nobel Surface Chemistry.
Larostat® 264A - An antistatic material that holds textile products together. It is made by BASF Corp.
Agnique® SBO 10 - A soybean oil used in agricultural products, manufactured by BASF Corp.
Comperlan® VOD - A thickener for personal-care products from BASF Corp.
Prifac™ 8953 - An emulsifying agent for household products. It is made by Croda, Inc.
HY-3200 Emulsiyfing Soy Wax - By Dow Corning Corp, a material that allows ingredients in personal-care products to smoothly blend together.
SERADOX NAD 20 - By Elementis Specialties, is an antistatic material for softening and smoothly blending personal-care products.  
LAMCHEM™ PE-130 K - Improves the taste of food products and also serves as a pressure lubricant on metals. It is made by Lambent Technologies Corp.
Lipovol® SOY - Adds a soft, smooth skin-feel to personal care products. It is made by Lipo Chemicals, Inc.
Chemonic™ SI-7Surfacant - Builds the thickness of personal-care products and stabilizes foam. It is made by Lubrizol Corp.
Schercomid™ SLL - Thickens personal care products. It is made by Lubrizol Corp.
Schercoquat™ SOAS-PG - A hair conditioner for personal care products made by Lubrizol Corp.
Quatrex™ S Conditioning Agent - A conditioning agent for personal-care products,
made by Lubrizol Corp.
Amidex™ S Surfactant - Helps create personal-care products that foam and feel like soap. It is made by Lubrizol Corp.
Chembetaine™ S-FA Surfactant - Adds special properties for personal-care products. It is manufactured and marketed by Lubrizol Corp.
Chemoxide™ SO Surfactant - Offsets hard water in household/personal-care products. It is made byLubrizol Corp.
Potassium Soyate - A soy soap with glycerin as a moisturizer, made by Lubrizol Corp.
ACCOSOFT® 750 - Used as a fabric softener for laundry products. It is made by Stepan Company.
PETROSTEP® Q-50S - A unique ingredient used in oilfields as a down-hole corrosion inhibitor. It is made by Stepan Company.

EMERGING INDUSTRIAL OPPORTUNITIES

SoBind™ HARMONY, Impression and CLARITY - Soy polymers that replace harsh synthetic and animal-based ingredients in a variety of products to make the products thicker, smoother and more colorful. They are made by DuPont™.

The 70 farmer-directors of USB oversee the investments of the soy checkoff to maximize profit opportunities for all U.S. soybean farmers. These volunteers invest and leverage checkoff funds to increase the value of U.S. soy meal and oil, to ensure U.S. soybean farmers and their customers have the freedom and infrastructure to operate, and to meet the needs of U.S. soy's customers. As stipulated in the federal Soybean Promotion, Research and Consumer Information Act, the USDA Agricultural Marketing Service has oversight responsibilities for USB and the soy checkoff.

For more information on the United Soybean Board, visit www.unitedsoybean.org
Visit us on Facebook: www.facebook.com/UnitedSoybeanBoard
Follow us on Twitter: www.twitter.com/unitedsoy
View our YouTube channel: www.youtube.com/user/UnitedSoybeanBoard

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The move toward using aluminum in vehicles has become a hot topic in media outlets across the country:

THE CHICAGO TRIBUNE:
"Ford says redesigned F-150 pickup body cheaper, easier to repair"

THE NEW YORK TIMES:
"The F-150's Aluminum Diet"
THE NEW YORK TIMES:
"Wheelies: The Calling All Aluminum F-150 Mechanics Edition"
TRIBLIVE NEWS:
"U.S. Steel, Alcoa compete as Ford pickup shifts from steel to aluminum"
http://triblive.com/news/allegheny/5429575-74/aluminum-steel-ford#axzz2s1E26E00
Rob Woodall, Director of Manufacturing at Alcoa's Davenport Works, will be discussing this topic at a Think Tank session to be held 6 to 8 p.m. Thurs., Feb. 6 at Rivermont Collegiate in Bettendorf, IA. He will tell how this exciting new direction for the automotive industry could yield major benefits for the IA/IL Quad-Cities area. Think Tank is a new division of Results Marketing in Bettendorf, Iowa. The news release below tells more about this Thursday's session.
IA/IL QUAD-CITIES - According to Rob Woodall, Director of Manufacturing at Alcoa's Davenport Works, the automotive industry will soon be taking an exciting new direction that could yield major benefits for the Quad-Cities area. Woodall will be discussing this topic at a Think Tank session to be held Feb. 6. Think Tank is a new division of Results Marketing in Bettendorf, Iowa.

"The goal of the Think Tank is to provide a forum for the Quad-City area's most compelling thinkers and doers," said Todd Ashby, Managing Partner of Results Marketing. "We are proud to have Rob Woodall as our first presenter and look forward to learning about his highly important topic." Results Marketing is also the creator of the Idea Lab, a progressive discussion group, and is the hosting sponsor of Leadercast in the Quad-Cities area.
The Think Tank session will be held 6 to 8 p.m. on Thurs., Feb. 6 at Rivermont Collegiate, 1821 Sunset Dr., Bettendorf, Iowa. Cost of the session is $20 and includes complimentary hors d'oeuvres.
"The Rivermont campus used to be the estate of Bettendorf's namesake, inventor William Bettendorf," Ashby said. "He was the creative force behind the Bettendorf Metal Wheel Co. and a key figure in the history of transportation in the Midwest, so it is especially fitting that Woodall's revolutionary message will be delivered on the Bettendorf family's former property."

This Think Tank session will be hosted by Scott Naumann, who served as host/emcee at Leadercast 2013. The presenting sponsor for this event is Dahl Ford, and the stage setting is provided by Abbey Carpet Gallery.
The Benefits of Aluminum

"The use of aluminum by the automotive industry is going to nearly double in the next decade," said Woodall, "and we are now at the threshold of the implementation of that plan. Some car and truck makers will be switching to aluminum because it will decrease the weight of vehicles while improving their fuel efficiency, safety, durability and performance."

Signs of the switchover to aluminum are already emerging in the automotive industry. For example, Ford recently announced it is converting its most popular truck to an aluminum intensive vehicle. Also, Alcoa has just completed a $300 million project here in the Quad Cities to make aluminum sheet for the auto industry.

At Woodall's presentation, he will discuss the many benefits of aluminum, and tell why this development will have positive ramifications in the Quad-Cities. "The switchover to aluminum will not be immediate," he said, "nor will it include all vehicles by all makers. But a major step-up in the process is on the horizon, and Alcoa stands ready to meet the demand. That step-up will bring welcome business growth to the Quad-Cities area."
To find out more or to register, call Marcia Brandt of Results Marketing at 563-322-2065 or email  Marcia@resultsimc.com. You can also follow the Think Tank on Facebook at www.facebook.com/ThinkTankQC.
-- End --

The United States is facing a growing retirement crisis: the retirement income deficit - i.e., the difference between what people have saved for retirement and what they should have at this point - is at least $6.6 trillion. Today, 75 million working Americans do not have a retirement plan and half of all Americans have less than $10,000 in savings. Only one in five people has a defined-benefit pension plan, and half of workers have no plan at all.

To tackle this growing retirement crisis, Senate Health, Education, Labor, and Pensions (HELP) Committee Chairman Tom Harkin recently introduced the Universal, Secure, and Adaptable (USA) Retirement Funds Act. This major legislative initiative tackles the growing retirement crisis and aims to rebuild the private pension system. Harkin's legislation would create a new type of privately-run retirement plan that combines the advantages of traditional pensions?including lifetime income benefits and pooled, professional management?with the portability and ease for employers of a 401(k).

There is strong public support for reforming the retirement system. A recent study by the National Institute for Retirement Security found a majority of Americans agree there is a need for a strong, universal pension system, and 90 percent favor a plan that is available to all Americans, is portable, and provides a monthly check throughout retirement.

What Are Some of the Key Features of USA Retirement Funds?

  • Universal Coverage: USA Retirement Funds would be available to everyone, including the more than 61 million people without access to a workplace retirement plan and the 14.5 million people who are self-employed.
  • Automatic Enrollment:  Employees would be automatically enrolled at a rate of 6 percent per year, but could choose to raise, lower, or stop their contributions.
  • Secure Lifetime Income:  Benefits would be paid monthly for life, and participants would be shielded from market volatility and other risks.
  • Lower Costs: Pooled, professional management and risk sharing will reduce the cost of retirement by up to 50 percent.
  • Portability: People would be able to take their benefit with them as they change employers.
  • Simple and Easy for Businesses: Small businesses can easily participate and would not have to take on risk or undue administrative burden.

How Would USA Retirement Funds Address the Retirement Crisis?

USA Retirement Funds address the retirement crisis by ensuring that the 75 million working people without a retirement plan - including 61 million without access to a workplace plan and 14.5 million self-employed workers - would, for the first time, have the opportunity to earn a safe and secure pension benefit. USA Retirement Funds would drastically increase the retirement savings through automatic enrollment while reducing the cost of retirement by up to 50 percent. Together with Senator Harkin's Strengthening Social Security Act (S.567), USA Retirement Funds would put our country on a path toward restoring the "three-legged stool" of retirement security and ensure that every American has a pension, Social Security, and the opportunity to save.

Why Are USA Retirement Funds Good For Business?

USA Retirement Funds would be good for business because they would make it easy for employers - especially small business owners - to offer quality retirement benefits. Current retirement plans make employers responsible and liable for all of the management and administration of the plan. USA Retirement Funds would relieve employers of that burden because the funds would be run by an independent board of trustees. All employers would have to do is help their employees enroll and send along employee contributions. Employers could make voluntary contributions if they want.

Why Are USA Retirement Funds Good For The Economy?

USA Retirement Funds will help millions of people save for retirement. All of that new savings will be invested into the economy, creating growth and new jobs. Because the funds are long-term investors, they would be able to provide much needed "patient capital" for entrepreneurs and innovators.

More information on the bill can be found in the Bill Snapshot, Bill Summary, and FAQ.

Widespread Support for the USA Retirement Funds Act

The USA Retirement Funds Act has garnered support from a broad range of advocates and experts, including: the Service Employees International Union (SEIU); Center for American Progress; Economic Policy Institute; National Council of La Raza; Robert B. Reich, former Secretary of Labor; Denise Bowyer, Vice President of American Income Life and board member of the American Sustainable Business Council Action Fund; Pension Rights Center; National Hispanic Council on Aging; Latinos for a Secure Retirement; Latinos for a Secure Retirement; National Retiree Legislative Network; Alliance for Retirement Americans; United Auto Workers; National Institute on Retirement Security; National Conference on Public Employee Retirement Systems; National Council on Teacher Retirement; Wider Opportunities for Women; and Jobs with Justice.

For more information, please contact Kate Cyrul Frischmann ( Kate_Frischmann@harkin.) or Allison Preiss ( Allison_Preiss@help.senate.).

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NormaLeah Ovarian Cancer Foundation invites all volunteers -- past, present, and future -- to their 3nd annual Cocoa & Cookies Social. The event will take place on Saturday, February 1 from 11 a.m. to 3 p.m. at the foundation's new storefront offices at 1612 2nd Avenue in downtown Rock Island.
The Cocoa & Cookies Social is free to attend and is open to both men and women. "We encourage everyone to bring a friend and help us celebrate our grass roots efforts and learn how we are moving forward with our mission to rise up against ovarian cancer," said Jodie Shagrin Kavensky, the Executive Director of the foundation.
Ovarian cancer has long been considered a silent killer because the symptoms are vague; it is hard to detect, difficult to treat, and there is no reliable screening test. The mission of NormaLeah Ovarian Cancer Foundation, headquartered in Rock Island,  is to create public awareness, promote early detection, and support research for ovarian cancer.
All women are at risk for ovarian cancer and approximately 1 in 70 women will develop the disease during her lifetime. In 2013 more than 22,000 American women were diagnosed with the disease and about 13,500 women died from it. The foundation honors the memory of Mrs. Kavensky's mother, Norma Yecies Shagrin and her aunt, Leah Yecies Hantman, whose lives were cut short by the deadly disease. "Sisters share a lot of things but ovarian cancer should not be one of them," Kavensky said.
For more information or to get involved call the NormaLeah Ovarian Cancer Foundation at 309.794.0009, visit our website at www.normaleahfoundation.org or email us at normaleahfoundation@gmail.com
- end -
Business Intelligence Expert Shares Tips for Using
Actionable Data to Gain the Advantage

Before the internet, small companies didn't stand a chance against the Goliaths, says Corrine Sandler, a globally recognized leader in business intelligence and market research.

That's because no war can be won without intelligence and, before the digital era, collecting actionable data and information about one's competitors, market and customers cost a lot more than most small businesses - the Davids - could afford.

"But today, the Davids are taking down the Goliaths," says Sandler, founder and CEO of Fresh Intelligence Research Corp., a global business intelligence company, and author of the new book, "Wake Up or Die" (www.wakeupordie.us), a comprehensive guide to the use of intelligence in the contemporary business environment.

"Thanks to the internet, the boutiques and startups have access to all kinds of free tools for gathering intelligence. They're also much more agile than the big corporations; they can make a decision and act immediately. That's essential in a marketplace where conditions change quickly."

In "Wake Up or Die," Sandler applies lessons from Sun Tzu's "The Art of War" - the 2,000-year-old military treatise penned by one of the greatest commanders in history - to the modern business economy. Sun Tzu held that the goal in any war is to win without ever entering into physical battle.

"By gathering actionable data and acting on it immediately, by using it to predict next moves and spot opportunities, small businesses can and are taking down the big ones without a drop of blood being shed," Sandler says.

She offers smaller business owners these tips for acquiring and using intelligence:

• If you lack resources, make use of free or inexpensive intelligence-gathering tools. Visit competitors' websites and collect data about them. Many businesses put a great deal of revealing information on their sites, which can benefit you. Also, make note of any changes on their sites. Google Alerts can tell you when they're releasing new products or expanding. Use Google analytics tools such as Google Hot Trends to tell you what's in the collective consciousness - potential consumer demand - at any given time. Google's key word tool will give you ideas for powerful key words in search terms, and use the traffic tool to measure global volume on those key words.

• Make intelligence-gathering part of your company's culture. From the manager who overhears a conversation in the grocery checkout line to the clerk obsessed with Twitter, every employee in your business is a potential intelligence resource. Encourage employees to pay attention as they interact with others outside the company. They may discover a nagging issue that no other company is addressing, allowing you to create uncontested market space. Or, you may learn critical information about a competitor that allows you to seize an advantage. Make intelligence gathering a company lifestyle.

• Appoint a Chief Intelligence Officer (CIO) to coordinate and analyze information from a variety of sources. In smaller companies, leaders tend to rely on pipelines of internal information provided by employees who don't understand how to use intelligence to make empowering decisions. That can render important data inactionable (unusable or simply not used). A CIO can oversee and coordinate the collection and analysis of intelligence, and brief you - the business leader - daily so that all data is actionable.

"What enables you to make smart, timely decisions is access to precise intelligence," Sandler says. "Your advantage, as a smaller business, is that you don't have the corporate processes and protocols that inhibit fast action.

"As Sun Tzu wrote, 'It is said that if you know your enemies and know yourself, you can win 100 battles without a single loss.' "

About Corrine Sandler

Corrine Sandler is the founder and CEO of Fresh Intelligence Research Corp, a global market research agency; international professional speaker and author of  "Wake Up or Die," (www.wakeupordie.us) a new book that applies lessons from Sun Tzu's ancient classic, "The Art of War," to contemporary businesses. Corrine's company was ranked No. 2 on Profit Magazine's list of top 50 fastest-growing companies, and Corrine has been on Profit's top 100 Female Entrepreneurs list two years in a row. With more than 20 years' experience, she has established a reputation for unparalleled consumer understanding and insight development working with Fortune 500 companies.

By Jason Alderman

On Valentine's Day, people's emotions run all over the map - some are head-over-heels and want to shower their loved one with gifts, while others are despondent because currently they have no one special in their life.

Whatever your love status, one thing everyone needs to guard against at this time of year is scams.

Valentine's Day brings out the best - and worst - in human behavior. Our impulse is to be generous and search for the ideal gift. Internet thieves know this and coolly set traps for unsuspecting shoppers. And, not surprisingly, dating websites experience greater activity, along with a corresponding increase in relationship scammers.

Here are some of the more common Valentine's Day scams to avoid:

Electronic greeting cards are popular year-round, especially near holidays. Scammers count on you not paying attention when you receive an email with an innocuous subject line like, "Someone you know just sent you an e-card."

Unless you're certain someone sent you an e-card, never click on links or follow instructions to download software to open the message. Chances are you'll load a virus or malware onto your computer, dooming you to receive endless spam or even endangering your personal and financial information.

Valentine's Day is the busiest day of the year for florists. Since many people now order flowers online, these purchases are a common target for fraud. A few tips when choosing a florist:

  • Make sure the physical location, contact information and fees for the florist who's actually fulfilling your order are fully disclosed.
  • Pay by credit card so if there's a problem you can dispute it with your card issuer.
  • If you receive an email saying there's a problem with your order, call the florist to make sure it's legitimate; don't click on any links - they could be malware.

Beware of emails and social media ads touting great deals on other Valentine's themed gifts like chocolates, jewelry or lingerie. Unless you've previously done business with a company that legitimately has your email address, be skeptical. Watch out for minor typos in the web address - www.macys.comm instead of www.macys.com, for example.

It's no coincidence that dating websites are busier during the winter holidays and leading up to Valentine's Day. Lonely people's defenses are lowered, making them vulnerable to online romance scams. Before they know it, victims are conned into sharing personal or financial information, or lending money - money they'll never see again.

I'm not saying don't pursue love online at legitimate dating sites. Just watch out for these warning signs:

  • They want to move your conversations off the dating site immediately and use personal email or instant messaging - the better to avoid policing by the site's Webmaster.
  • Their online profile sounds too good to be true. That's because they've probably shaped it to reflect your stated preferences. Or, conversely, their profile may be suspiciously sketchy on details or their photos don't seem genuine.
  • They profess love very quickly, even before you've spoken or met.
  • They claim to be a U.S. citizen working overseas - often in the military.
  • They make plans to visit, but are suddenly prevented by a traumatic family or business event - one which your money can overcome.

Bottom line: Don't let your emotions get the better of your common sense when it comes to matters of the heart. For more tips on spotting and reporting online scams, visit the Federal Trade Commission's website (www.ftc.gov).

CHICAGO - Governor Pat Quinn today announced an independent study has identified Illinois as having one of the most thriving private sectors in the nation. The report provides further evidence that the state is recovering steadily from the worst economic hardship since the Great Depression.

"We know that more jobs are needed and we are working to get them, but this report shows that our economy is getting stronger every day," Governor Quinn said. "We wouldn't see this business growth without our skilled work force, our great advantages in location and our culture of innovation."

The study by CareerBuilder and Economic Modeling Specialists Intl. found that Illinois ranks 3rd among the 50 states in growth of business establishments. According to the study, total establishments in Illinois rose by 18,000, or 5 percent, to 383,103, from 2009 to 2012.

The study found that for the three-year period through 2012, Illinois accounted for 14 percent of all net new business establishments in the country.

A copy of the report can be found at economicmodeling.com.

In his 2014 State of the State address, Governor Quinn laid out a five-year blueprint for jobs and economic growth in Illinois. The Governor's blueprint calls for three key things: creating more jobs, making early childhood education a top priority and building an economy that works for everyone.

Since recovery from the recession began in January 2010, Illinois has added 280,000 private sector jobs. Unemployment was at 11.3 percent at the height of the Great Recession and today it is at its lowest point in almost five years. Since last May, Illinois has led the Midwest in new jobs created. According to the Philadelphia Federal Reserve Bank, in the next six months Illinois is projected to have the best economic growth of the five largest states in America.

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(January 31, 2014) - Concordia University Wisconsin officials released the Fall Dean's List for the first semester of 2013-2014 academic year. To be eligible for the honor, students must achieve a minimum 3.50 GPA.

Among the area students named to the list were:

Ian Wallace, Freshman Accounting major from Davenport

Founded in 1881, Concordia University Wisconsin, 12800 North Lake Shore Drive, Mequon, offers 49 undergraduate majors and is affiliated with The Lutheran Church-Missouri Synod. The school is located on 155 acres of Lake Michigan shoreline, only 15 minutes north of downtown Milwaukee.

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