Quad City International Association of Administrative Professionals (IAAP) Presents a FREE Seminar on November 11, 2013

The Quad City International Association of Administrative Professionals (IAAP) will be presenting a FREE Seminar on Monday, November 11, 2013 at the WIU River Campus, 3300 River Drive in Moline, Illinois.  The speaker will be Dr. Ann Walsh, Professor of Management and Marketing at Western Illinois University and she will be presenting "Experiences with International Cultures".

Networking/Gathering begins at 5:30 PM, Dinner at 6:00 PM (reservation is required - meal cost is $8.00) and the speaker will begin at 6:30 PM. Following the presentation, a short chapter business meeting will be held.

To register, please contact Chris Brown by 11:00 AM by Friday, November 8, 2013 at 309.371.9587 or email her at MC-Brown@wiu.edu.

 

For more information, go to our website at www.iaap-quadcity.org/quadcity/meetingsevents. 

 

IAAP is the world's largest international association of administrative professionals. IAAP offers professional development, leadership training and networking opportunities for administrative professionals. IAAP is a non-profit, volunteer association.

Joining a professional organization demonstrates your commitment to your career. Work is most rewarding when we do it with enthusiasm and give it our best. Through IAAP you will gain knowledge, confidence and contacts that will help you advance professionally. IAAP works to build a professional image of administrative professionals in the workplace.

IAAP membership is open to all persons working in the administrative field, along with business educators, students, firms and educational institutions. There is no test of sponsorship required. Through IAAP qualified professionals can test for the certification rating, the benchmark of excellence in the administrative profession.

For more information please contact Kathy Riley at (309) 489-6122.

## end ###

Friday, November 1, 2013

Senator Chuck Grassley made the following comment after U.S. Department of Agriculture Animal and Plant Health Inspection Service released a final comprehensive rule on bovine spongiform encephalopathy (BSE).  The rule had been in the works for several years, but stalled within various agencies of the federal government.

During the delay in publishing a final rule, a number of countries placed non-science based restrictions on U.S. beef imports.  For example, some countries don't allow U.S. beef over 30 months old into their country.  Some of these nations use the fact that the United States had not formally adopted a comprehensive BSE rule to justify their own unfair trade barriers. In February 2012, Grassley led a bipartisan group of senators pressing the administration to issue the comprehensive BSE rule.

Here's Grassley's comment on the final rule.

"Beef producers have been waiting years for the Department of Agriculture to issue the BSE comprehensive rule.  By having this rule in place, the United States can now show leadership around the world and give the U.S. Trade Representative and the Department of Agriculture a stronger position to press other nations to follow the World Organization for Animal Health's guidelines and adopt science-based BSE policies.  When nations base their decisions on sound science, more markets will be expanded or opened to U.S. beef."

	Request for public comment regarding proposed amendments to Iowa discovery rules and a proposed expedited civil action rule (November 1, 2013) Order (1614 kb)
	Proposed Discovery Amendments (410 kb)
	Proposed Expedited Civil Action Rule (200 kb)
	Request for comments regarding proposed amendments to the Rules for Expanded Media Coverage (October 28, 2013) Chapter 25 of the Iowa Court Rules Order (112 kb)
	Chapter 25 (767 kb)
	Final Report (130 kb)
	In the Matter of the New Rule of Juvenile Procedure (October 16, 2013) Juvenile Procedure 8.36 Order (705 kb)
	Rule 8.36 (256 kb)
	Standards of Practice (298 kb)
	No. 11-0492 (August 28, 2013) State of Iowa vs. Jason Jon Means Order (63 kb)
	Request for Public Comment Regarding Proposed Amendments to Division III of the Iowa Court Rules (August 5, 2013) Order (72 kb)
	Chapter 39 (130 kb)
	Chapter 40 (22 kb)
	Office of Professional Regulation memo (823 kb)
	Video of Public Hearing (July 9, 2013) A public hearing on the proposed new rule of Juvenile Procedure 8.36 was held July 9, 2013, with oral presentations from individuals expressing different viewpoints on the proposed rule. Video, Part 1 Video, Part 2
	Schedule for Public Hearing on Proposed New Rule of Juvenile Procedure 8.36 (June 20, 2013) Public hearing will begin at 9 a.m., Tuesday, July 9, 2013 Order (64 kb)
	No. 11-0553 (June 7, 2013) St. John's Full Gospel Baptist Church vs. Tax 207 and Polk County Treasurer Order (34 kb)
	In the Matter of the Appointment of an Independent Special Counsel (May 10, 2013) Order (209 kb)
	No. 11-2019 (May 10, 2013) Residents of Elsie Mason Manor & Ligutti Tower, Katherine Daniel, et al., vs. First Baptist Housing Foundation and American Baptist Homes of the Midwest Order (64 kb)
	Request for Public Comment Regarding Proposed Amendments to the Rules Governing Court Interpreters (March 18, 2013) Order (765 kb)
	Chapter 47 (307 kb)
	Chapter 48 (224 kb)
	Setting Public Hearing and Reopening Comment Period on Proposed New Rule of Juvenile Procedure 8.36 (March 18, 2013) Order (724 kb)
	Proposed New Rule 8.36 (95 kb)
	Iowa Standards of Practice for Attorneys Representing Parents in Juvenile Court (195 kb)
	Public Comments on Proposed New Rule of Juvenile Procedure 8.36 (June 3, 2013) (477 kb)
	In the Matter of Appointment of Judges to the Iowa Business Specialty Court Pilot Project (March 4, 2013) Order (46 kb)
	In the Matter of Court Forms for Adult and Minor Child Petitions for Change of Name (February 14, 2013) Name change forms pdf Supervisory order and name change forms (681 kb)
	Request for Public Comment Regarding Recommendations of the Iowa Supreme Court 2012 Child Support Guidelines Review Committee (January 25, 2013 Order (89 kb)
	Filed with the clerk of the Iowa Supreme Court office on January 25, 2013 Final Report of Review Committee (3592 kb)
	In the Matter of Establishment of the Iowa Business Specialty Court Pilot Project (December 21, 2012) Supervisory Order and Memorandum of Operation (345 kb)
	In the Matter of Amendments to Iowa Court Rules Regulating the Practice of Law (December 10, 2012) The Iowa Supreme Court Chief Justice has signed an order amending various rules of Division III (Professional Regulation) of the Iowa Court Rules. With two exceptions noted in the order, these amendments are effective immediately. Also accompanying the order is a summary of the amendments. Order (27 kb)
	Amendments to Iowa Court Rules Regulating the Practice of Law (254 kb)
	Comments to Amendments to Iowa Court Rules Regulating the Practice of Law (177 kb)
	In the Matter of Appointments to the Committee on Expanded Media Coverage (December 7, 2012) Order (380 kb)
	Corrected Expanded Media Coverage Committee Order Nunc Pro Tunc (47 kb)
	Request for Public Comment Regarding Proposed Emeritus Pro Bono Practice Rule (December 6, 2012). Order (309 kb)
	Request for Public Comment Regarding Proposed rules governing the filing of electronic documents in the Iowa Appellate Courts (December 6, 2012). Order (546 kb)
	Request for public comment regarding proposed collection activities (October 25, 2012) Order (84 kb)
	Proposed new Chapter 26 (288 kb)
	Public Comments on Proposed Rules for Collection Activities of the Iowa Courts (2951 kb)
	Committee Response to Public Comments (31 kb)
	In the Matter of the Electronic Document Management System and Standard eForms of Pleadings for Small Claims Actions (October 25, 2012) Supervisory Order (72 kb)
	http://www.iowacourts.gov/eFiling/Overview/index.asp Small Claims eForms (591 kb)
	In the Matter of Appointments to the Advisory Committee Concerning Certain Civil Justice Reform Task Force Recommendations (October 10, 2012) Order (78 kb)
	Request for public comment regarding a proposed new rule of juvenile procedure 8.36 (August 30, 2012) Order (140 kb)
	New Rule of Juvenile Procedure 8.36 (228 kb)
	Iowa Standards of Practice for Attorneys Representing Parents in Juvenile Court (1818 kb)
	Public Comments on Proposed New Rule of Juvenile Procedure 8.36 (Oct. 31, 2012) (29813 kb)
	Additional comment (November 1, 2012) (792 kb)
	Request for public comment regarding amendments to Professional Regulation of the Iowa Court Rules (August 27, 2012) Order (420 kb)
	Proposed amendments to Professional Regulation (142 kb)
	Request for public comment regarding amendments to Chapters 6 and 21 of the Iowa Court Rules (August 27, 2012) Order (496 kb)
	Proposed amendments to Chapters 6 and 21 (107 kb)
	Request for Comments to Proposed New Rule of Civil Procedure 1.1702 (August 3, 2012) Order (407 kb)
	Proposed New Rule (88 kb)
	In the Matter of Rules for Involuntary Commitments or Treatment of Persons with Substance-Related Disorders (July 5, 2012) Supervisory Order and Chapter 13 (516 kb)
	In the Matter of Mileage Reimbursement (June 29, 2012) Supervisory Order (32 kb)
	In the Matter of EDMS and Standard Forms of Pleadings for Small Claims (June 29, 2012) Supervisory Order (991 kb)
	In the Matter of Forms for Court Orders Issued in Small Claims Court (June 28, 2012) Supervisory Order and Forms for Court Orders (3515 kb)
	In the Matter of Appointments to the 2012 Iowa Child Support Guidelines Review Committee (June 11, 2012) Nunc Pro Tunc (103 kb)
	In the Matter of Appointments to the 2012 Iowa Child Support Guidelines Review Committee (June 11, 2012) Order (533 kb)
	In the Matter of the Notice on Court-Generated Documents in Compliance with the Americans with Disabilities Act (May 1, 2012) Supervisory Order (56 kb)
	In the Matter of Revision of Interim Rules 16.306(5) and (6) Relating to Signatures in the Electronic Document Management System (April 24, 2012) Supervisory Order (82 kb)
	Revised 16.306(5) and (6) (36 kb)
	Request for comments to proposed amendments to lawyer advertising rules (April 20, 2012) Order (386 kb)
	Proposed amendments (12844 kb)
	Request for comments to proposed amendments to Rule 31.16 Registration of House Counsel (March 21, 2012) Order (77 kb)
	Proposed New Rule (304 kb)
	In the Matter of Interim Rules to Govern the use of the Electronic Document Management System (March 1, 2012) The Iowa Supreme Court amends the interim rules of Chapter 16 of the Iowa Court Rules governing EDMS Order (77 kb)
	Chapter 16 interim rules (349 kb)
	Summary (43 kb)
	General Commentary (114 kb)
	Request for comments to proposed amendments to Rule of Appellate Procedure (February 10, 2012) Order (244 kb)
	Proposed New Rule (186 kb)
	Request for comments to proposed amendments to Rules of Civil Procedure (December 2, 2011) Order (575 kb)
	Proposed New Rule (479 kb)
	Request for comments to proposed amendments to Rules of Juvenile Procedures (November 23, 2011) Order (103 kb)
	Juvenile amendments (11 kb)
	Request for comments to proposed amendments to rules regulating the practice of law (November 17, 2011) Order (429 kb)
	Summary (96 kb)
	Proposed amendments (200 kb)
	In the Matter of Request for Public Comment Regarding Proposed Small Claims Pleadings Forms (October 7, 2011) Order (550 kb)
	Small Claims Forms (944 kb)
	In the Matter of Formation of the Small Claims Forms Advisory Committee (May 18, 2011) Order (619 kb)
	In the Matter of the Supreme Court Committee to Study Lawyer Advertising Rules (April 15, 2011) Order (466 kb)
	In the Matter of Rescission of Standard Forms of Pleadings for Small Claims Actions (April 6, 2011) Supervisory Order (206 kb)
	In the Matter of Temporary Rules Governing the Electronic Document Management System and Use of Standard Forms of Pleadings for Small Claims Actions (April 4, 2011) Temporary rules governing EDMS to exempt electronic filers in Small Claims actions until further notice of this court Supervisory Order (364 kb)
	In the Matter of Standard Forms of Pleadings for Small Claims Actions (April 1, 2011) The March 28, 2011, order contained typographical errors in the numbering sequence of the new and amended Small Claims forms compared to the prior forms being replaced. The forms themselves were correctly numbered. Amended Order (427 kb)
	In the Matter of Standard Forms of Pleadings for Small Claims Actions (March 28, 2011) The Court rescinds Chapter 3 of the Iowa Court Rules, Standard Forms of Pleadings for Small Claims Actions, in its entirety. The court approves and adopts the revised Chapter 3 of the Iowa Court Rules attached to this Order. Effective April 4, 2011 Order (6666 kb)
	Standard Forms (pdf) (774 kb)
	In the Matter of Changes to the Business Hours of the Jefferson and Louisa County Clerk of Court Offices (March 9, 2011) Effective immediately Nunc Pro Tunc (170 kb)
	In the Matter of Changes to the Business Hours of the Jefferson and Louisa County Clerk of Court Offices (March 9, 2011) Effective immediately. Supervisory Order (181 kb)
	In the Matter of Amendments to Iowa Court Rules Chapter 4; Form 4.11 (February 2, 2011) Effective immediately. Order and Form 4.11 (895 kb)
	In the Matter of Amendments to Iowa Court Rules Chapter 4: Forms 4.1, 4.2, 4.11, and 4.15 (December 27, 2010) Effective immediately Supervisory Order (3402 kb)
	In the Matter of the Appointment of the EMC Media Coordinator for Region 3 Effective December 17, 2010. Order (192 kb)
	Proposed Adoption of 2005 Model Standards of Conduct for Mediators (December 7, 2010) Deadline for comments is March 7, 2011 Order (2271 kb)
	Model Standards of Conduct for Mediators (166 kb)
	Chapter 11 Study Group (2195 kb)
	In the Matter of the Retention of a Private Court Reporter in a Civil Case: Amendment to January 6, 2010 Order (November 24, 2010) Effective immediately Supervisory Order (835 kb)
	In the Matter of Temporary Rules to Govern the Use of the Electronic Document Management System Plymouth County and Story County (November 4, 2010) Supervisory Order (538 kb)
	Chapter 16 - Rules Pertaining to the Use of the Electronic Document Management System (12070 kb)
	Protected Information Disclosure (424 kb)
	Small Claims Original Notice and Petition (3124 kb)
	Notice of Transcript Redaction (445 kb)
	General Commentary on Electronic Filing Rules (118 kb)
	In the Matter of Changes to the Business Hours of the Chickasaw and Howard County Clerk of Court Offices (October 19, 2010) Effective October 25, 2010 Supervisory Order (207 kb)
	In the Matter of Changes to the Business Hours of the Greene County Clerk of Court Office (September 29, 2010) Effective October 12, 2010 Supervisory Order (185 kb)
	In the Matter of Changes to the Business Hours of the Boone County Clerk of Court Office (September 29, 2010) Effective October 5, 2010 Supervisory Order (177 kb)
	In the Matter of Changes to the Business Hours of the Adams, Ringgold and Taylor County Clerk of Court offices (September 29, 2010) Effective October 4, 2010 Supervisory Order (189 kb)
	In the Matter of the Judicial Council Advisory Committee on Fine Collection Procedures, Practices and Rules (September 24, 2010) Effective immediately Order (928 kb)
	In the Matter of the Public Hours of the Office of the Clerk of the Appellate Courts (September 15, 2010) Effective September 20, 2010 Supervisory Order (465 kb)
	In the Matter of Changes to the Business Hours of the Jones County Clerk of Court Office (August 18, 2010) Effective August 30, 2010 Supervisory Order (167 kb)
	In the Matter of the Appointment of Members to Serve on the Civil Justice Reform Task Force (August 6, 2010) Supervisory Order (106 kb)
	In the Matter of Changes to the Business Hours of the Worth County Clerk of Court Office (August 4, 2010) Effective September 10, 2010 Supervisory Order (181 kb)
	In the Matter of Expanded Media Coverage of the Courts (July 21, 2010) The supreme court has reorganized the jurisdiction of media coordinators for Jackson County. Effective August 1, 2010 Order (171 kb)
	In the Matter of Interim Procedures Governing the Collection of Court Fines and Fees (July 2, 2010) Upon recommendation of the Judicial Council, the supreme court adopts interim provisions that will govern installment payment plans and other fine collection activities of the judicial branch until the adoption of permanent rules. Effective July 12, 2010 Supervisory Order (1250 kb)
	In the Matter of Changes to the Business Hours of the Floyd County Clerk of Court Office (May 13, 2010) Effective May 20, 2010 Supervisory Order (174 kb)
	In the Matter of Changes to the Business Hours of the Davis County Clerk of Court Office (May 4, 2010) Effective May 10, 2010 Supervisory Order (176 kb)
	In the Matter of Adoption of EDMS Rules for Pilot Project in Plymouth County (April 21, 2010) Effective immediately Supervisory Order (581 kb)
	Chapter 16 - Rules Pertaining to the Use of the Electronic Document Management System (12017 kb)
	Protected Information Disclosure (520 kb)
	Small Claims Original Notice and Petition (2292 kb)
	General Commentary on Electronic Filing Rules (2274 kb)
	In the Matter of Changes to the Business Hours of the Guthrie County Clerk of Court Office (April 13, 2010) Effective immediately Supervisory Order (173 kb)
	In the Matter of the Business Hours of the Fremont County Clerk of Court Office (April 6, 2010) Effective April 5, 2010 Supervisory Order (167 kb)
	In the Matter of Appointment to the Task Force for Civil Justice Reform (March 23, 2010) Effective immediately Order (123 kb)
	In the Matter of Changes to the Business Hours of Clerk of Court Offices (March 19, 2010) Fremont county Effective April 5, 2010 Supervisory Order (186 kb)
	In the Matter of Changes to the Business Hours of Clerk of Court Offices (February 11, 2010) Jefferson county effective February 12, 2010 Supervisory Order (180 kb)
	In the Matter of Prioritization of Cases and Duties (February 4, 2010) Amendment to Order of December 1, 2009 Effective immediately Supervisory Order (323 kb)
	In the Matter of Changes to the Business Hours of Clerk of Court Offices (January 28, 2010) Fifth District effective February 1, 2010 Supervisory Order (252 kb)
	In the Matter of Changes to the Business Hours of Clerk of Court Offices (January 26, 2010) First, Second and Sixth districts effective February 1, 2010 Supervisory Order (286 kb)
	Proposed Revised Iowa Code of Judicial Conduct (January 19, 2010) Chapter 51 Deadline for comments is March 19, 2010. Order and Proposed Code (581 kb)
	In the Matter of Private Retention of Court Reporters in Civil Cases (January 6, 2010) Supervisory order (500 kb)
	In the Matter of Appointments to the Task Force for Civil Justice Reform (December 18, 2009) Order (655 kb)
	In the Matter of Court Closure Days and Public Hours of Clerk of Court Offices (December 2, 2009) Supervisory Order (63 kb)
	In the Matter of Prioritization of Cases and Duties (December 1, 2009) Supervisory Order (1318 kb)
	In the Matter of the Public Hours of Clerk of Court Offices (November 17, 2009) Supervisory Order (2646 kb)
	In the Matter of Actions Taken to Reduce Judicial Branch Operating Expenses (November 12, 2009) Supervisory Order (1443 kb)
	In The Matter of Court Closure and Unpaid Leave Days (November 10, 2009) Supervisory Order (497 kb)
	In the Matter of Actions Taken to Reduce Judicial Branch Operating Expenses for Fiscal Year 2010 (June 25, 2009) Supervisory Order (162 kb)
	In the Matter of Court Closure Days and Reduced Public Hours (May 29, 2009) Supervisory Order (288 kb)
	In the Matter of Appointments to the Digital Audio Recording Technology Committee of the Judicial Council (May 7, 2009) Order (380 kb)
	In the Matter of Court Closure and Unpaid Leave Days: May 8 (May 5, 2009) Supervisory Order (452 kb)
	In the Matter of Mileage Reimbursement (March 31, 2009) Supervisory Order (315 kb)
	Actions Concerning Judicial Operations (March 13, 2009) Supervisory Order (228 kb)
	Action Taken to Reduce Operating Expenses (February 27, 2009) Supervisory Order (186 kb)
	Hearing on Proposed Rules (February 24, 2009) A hearing is scheduled on Thursday, March 5, 2009, regarding minutes of evidence. Order Setting Hearing Schedule (Feb. 24, 2009) (480 kb)
	Order Setting Amended Hearing Schedule (March 2, 2009) (477 kb)
	Order (Feb. 13, 2009) (749 kb)
	Actions Taken to Reduce Judicial Branch Operating Expenses (February 2, 2009) Supervisory Order (783 kb)
	Proposed Amendments to the Rules of Criminal Procedure (December 2, 2008) Information about witnesses Deadline for comments is January 2, 2009 Chapter 2, Rule 2.4 and 2.5 (589 kb)
	Proposed Amendments to Iowa Court Rules (November 12, 2008) Licensing and Practice of Foreign Legal Consultants Deadline for comments is December 12, 2008 Chapter 31, Rule 31.14 and 31.18 (5008 kb)
	In the Matter of Iowa Rule of Civil Procedure 1.422 (September 23, 2008) Supervisory Order (150 kb)
	Proposed Amendments to the Rules of Criminal Procedure (June 23, 2008) Information about witnesses Deadline for comments is July 23, 2008 Chapter 2, Rule 2.4 and 2.5 (96 kb)
	Order (355 kb)
	Final Report of the Child Support Guidelines Review Committee Final Report of the Child Support Guidelines Review Committee (378 kb)
	Proposed Amendments to Chapter 9 (348 kb)
	Rule 9.27, Forms 1 and 2 (418 kb)
	Revisions to Electronic Document Management System Proposed Rules (June 10, 2008) Public Notice (47 kb)
	General commentary (71 kb)
	Chapter 16--Pertaining to the use of EDMS (258 kb)
	Proposed Amendments to Rules of Appellate Procedure and Rules of Civil Procedure Concerning Certiorari (June 6, 2008) Deadline for comments is August 6, 2008 Order (81 kb)
	Proposed Amendments to Rules of Appellate Procedure (851 kb)
	Summary of Key Changes (238 kb)
	Proposed Amendments to Rules of Civil Procedure (113 kb)
	Appointments to the Supreme Court Limited Jurisdiction Task Force (January 14, 2008) Appointment Order (205 kb)
	Resolution in Support of the Pew Commission (September 10, 2007) (86 kb)
	Filing by facsimile transmission (August 6, 2007) Order granting filing by facsimile transmission of certain documents in chapters 125 and 229 commitment proceedings Effective immediately Order (66 kb)
	Uniform Bond Schedule (August 2, 2007) Order amending uniform bond schedule Order and bond schedule (97 kb)
	Instructions to Compensation Commissioners from the Chief Justice (January 12, 2007) Instructions (208 kb)

Instead of Another Mobile Device or Video Game, Consider
Something Lasting from the Heart

Kids get their first cell phone by age 12, and more than a third of them have smart phones. Nine out of 10 teens have a computer and 97 percent of 12- to 17-year-olds play video games. More than half the homes in the United States have a fairly new video game console.

"It's great that our kids have access to technology, but I talk to a lot of grandparents who say they simply don't enjoy giving their grandkids tech gifts during the holiday season," says Ted Bernstein, founder of Life Insurance Concepts, Inc. (www.lifeinsuranceconcepts.com). "They want to give something their grandkids will treasure; something they'll remember for a long time."

That has become more challenging as kids, along with the rest of us, come to rely more and more on technology for everything -- from communication to entertainment to telling the time.

Coming from a four-generation family of life insurance specialists, Bernstein has a special interest in family legacies and a long history of innovation. He offers these suggestions for holiday gifts for grandkids that create lasting memories.

• Their own clunker - which you'll restore together. If you have a grandchild who's still a few years from driving age, buy an old pickup truck that the two of you can restore together. You'll have years to complete the project, which guarantees not only lots of one-on-one time together, but also the opportunity to teach valuable skills that will benefit him or her for a lifetime. "Plan it right, and when your grandchild gets a driver's license, he or she will also have wheels," Bernstein says. "And after spending so much time working on that vehicle, they're more likely to drive it carefully!"

• An annual helping hand for years after you've gone. Imagine being able to send your grandchild a holiday gift of $20,000 every year for 20, 30 or 40 years - with a note from you attached. You can do it with the Installment Life Option, a life insurance policy option that pays beneficiaries of a life insurance policy in predetermined amounts of your choice for up to 40 years. Because of the deferred payout, the insurance company can reduce the premiums up to 50 percent. And your grandchild is reminded of your love for him or her throughout his life, particularly during the financially stressful milestones: college tuition, wedding, paying off student loans, down payment for first home, and first child.

"A lot of the grandparents who do this love the fact that they can continue to help their grandchild long after they're gone," Bernstein says. "They also like the fact that they can choose what date the money is disbursed, whether it's a holiday, a birthday, or a special date significant to the grandparents and grandchild. And they can add a personal note, which can be sent according to the policy holder's instructions."

• The gift of compassion. Sponsor an impoverished child in another country in your grandchild's name. "I like the organizations that allow you to personally connect with the child you sponsor, so your grandchild can write to and receive letters from them, and trade photographs. You can learn about the country together, and pick out gifts for birthday or holiday season," Bernstein says. A grandparent might pay the whole cost of sponsorship or allow the grandchild to pick up a small portion, he adds.

One organization highly rated by independent charity evaluator Charity Navigator is Compassion International. The 61-year-old Christian-based non-profit facilitates 1.2 million sponsorships, providing the children with food, medical care, educational opportunities and more for $38 per month. Sponsors are invited to exchange letters and develop a relationship with the child.

About Ted Bernstein

Ted Bernstein is a third-generation life insurance specialist with decades of speaking out and advocating for changes on behalf of consumers. He was the first to introduce "no-load" life insurance in the mid-1980s and recently developed the Installment Life Option. Bernstein is a nationally recognized expert in alternative distribution strategies and life insurance product development.