(DES MOINES) - Gov. Terry E. Branstad, Lt. Gov. Kim Reynolds, agriculture Sec. Bill Northey and DOT Director Paul Trombino today announced a new biofuels pilot program called "Fueling Our Future," a public-private partnership that aims to assist in expanding the market for mid-level biofuels blends, building on Iowa's history as a leader in ethanol and biodiesel development and production.

Through the use of current funding, this initiative will redirect federal funds to further leverage state dollars in the existing renewable fuel infrastructure program, establishing more blender pumps containing E-30 and biodiesel at gas retailers around the state.

"This pilot program will provide Iowans with additional access to higher blends of ethanol and biodiesel, which will help our farmers, communities and economy in producing, processing and profiting locally," said Branstad.

Iowa State University will work closely on this initiative to evaluate consumer perceptions and the impact of increased assess to mid-level biofuels blending options, including impacts on improved air quality.

"Iowa's success in biofuels is due to our abundant natural resources, the hard work that goes into its production, and the choice that consumers make in supporting locally-produced and renewable biofuels," said Reynolds. "I look forward to the installation of these new mid-level blender pumps at locations around Iowa next spring and am hopeful that neighboring states will take a similar approach."

The Fueling Our Future program will be supported by the Department of Agriculture and Land Stewardship, the Department of Transportation, Iowa State University and the Iowa Renewable Fuels Infrastructure Board.

"This initiative is a great example of coordination and collaboration between the DOT and the Iowa Department of Agriculture and Land Stewardship," said Trombino. "Better leveraging resources from a variety of stakeholders in this public-private partnership will help increase market access to biofuels for Iowa consumers and further diversify our energy portfolio."

Northey highlighted the value-added component.

"Iowa has a robust biofuels industry that is an important value-add to our state's agricultural sector," said Northey. "Bolstering biofuels infrastructure will help Iowa consumers and farmers through increased access to these renewable fuels that are produced right here in Iowa."

More information on the program can be found at: www.iowaagriculture.gov/agMarketing/IRFIP.asp

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Consumer Advocate: Life Insurance is Finally
Changing to Meet Today's Needs
Expert Shares 4 Ways It's Becoming More Relevant

The percentage of Americans who have life insurance has hit a 50-year low, despite the fact that more Americans than ever have grave concerns about their ability to financially weather a crisis or to someday retire, according to recent surveys.

That tells consumer advocate Ted Bernstein that people are unaware of recent changes that make life insurance more affordable, more accessible, and more relevant to today's needs.

"The fact is, more of us need life insurance. Nearly half of all couples are in dual-income households; if something happens to one spouse or partner, the survivor is likely to have trouble paying the bills," says Bernstein, founder of Life Insurance Concepts, Inc., (www.lifeinsuranceconcepts.com), and a leading proponent of innovations that benefit consumers.

"Add to that, 38 percent of Americans believe they won't have enough money to retire," he says, citing a 2012 Pew Research survey. "Life insurance provides that retirement income."

Finally, he notes, large numbers of people who had corporate life insurance lost it when they were laid off during the recession.

"While some of those people are back to work, they're at lower paying jobs with fewer benefits. Now, they believe they can't afford a new policy, or they fear they may be rejected if they try to get an individual policy," Bernstein says. "Most of those people are wrong. In fact, unless a person has serious health issues, buying an individual policy -- not part of an employer program -- will cost less and offer more benefits."

Bernstein details four ways life insurance is becoming more accessible and relevant:

• Don't assume you'll be rejected or pay more because you're overweight, use tobacco or marijuana infrequently, or have been treated for substance abuse. Underwriters are trying to determine whether lifestyle or medical issues affect your mortality today, Bernstein says. So if you're 30 pounds overweight with no related medical issues, you have a good shot at standard coverage. As for tobacco use, a blood test determines the amount of cotinine - a byproduct of nicotine metabolism - in your system. A certain level is acceptable to some carriers. Marijuana use may not automatically trigger rejection if you have no associated issues. For those with a past history of drug addiction and successful treatment, standard coverage is possible. The key is disclosure.

• Getting older does not mean you automatically pay more. The old rule was to buy young and lock in lower premiums, then hang onto your policy for dear life. "That only benefited insurance companies and the agent who sold the policy," Bernstein says. Today, healthy buyers will get more insurance for the same or less premium by refinancing their existing coverage. "It's a refi - use the built-up equity, the cash value of your policy, to neutralize your older age. Thanks to better mortality rates, healthy buyers always get better coverage today than the policy they bought 10, 20 or 30 years ago," Bernstein says.

• You can save on premiums and provide guaranteed income for your beneficiary by choosing the payout in installments. Traditionally, life insurance claims are paid in one lump sum. The new Installment Life Option is an innovation to meet the needs of people without sufficient retirement savings, and for those concerned their loved ones may lose the principal through mismanagement or a stock market correction. "When the policy owner chooses a deferred payout at the time of purchase, the insurance companies can reduce premiums by as much as 50 percent because they will have more time to pay the claim," Bernstein says. "Plus, your beneficiary doesn't have to worry about managing a very large sum of money."

• Purchasing no load insurance = better value across the board. In the past, life insurance buyers had no option but to buy a policy from companies with built-in commissions. These are non-negotiable and not disclosed to the buyer. While Bernstein strongly recommends buying through a knowledgeable agent, he urges buyers to inquire about "no load" policies priced without the built-in commissions. "You pay a fee to the agent that is typically lower than built-in commissions, and it's transparent; making comparison much easier," Bernstein says.

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.

IOWA CITY, Iowa - After bringing Hollywood and Midwest talent together on their latest feature, three Iowa City-based filmmakers signed on with LA based distribution company Level 33 Entertainment for their feature film 'The Formula,' and will go on a College Tour in late November to promote the upcoming DVD release. "The Formula," starring Brandon Baker, Reginald VelJohnson and Sasha Jackson, premiered at the Englert Theater in Iowa City back in January, and has since picked up numerous awards in various film festivals across the state.  After self-distributing on a state wide level, the company will look to expand to increased domestic and international market places. To coincide with the upcoming release, cast and crew from the film will be going on a week long college tour in November, stopping at college towns around the midwest including Illinois, Wisconsin, Kansas City, and Michigan.

Backrow Studios' production team Ravi Patel, Tim Nash, and Joe Clarke bring the story of two engineers who invent a mathematical formula for wooing women with "The Formula." The film stars Brandon Baker, best known for his work in Disney movies such as "Johnny Tsunami," "The Jungle Book," "Johnny Kapahala: Back on Board," as well as the NBC sitcom "One World." Also starring in the film is Reginald VelJohnson, a veteran actor best known for his roles in the classic action picture, "Die Hard," and as Carl Winslow in the long running family sitcom, "Family Matters." Rounding out the cast is Sasha Jackson, who played the lead role of "Dana" in 2011's "Blue Crush: Wild Coast." She also plays the recurring character of "Kylie" on the popular TV series, "One Tree Hill."

Level 33 reaches all media platforms and releases can be found in every major retail and rental account including Walmart, Target, Best Buy, Amazon, Redbox, Blockbuster, Netflix, iTunes, Google Play, Playstation, Hulu, DirecTV, Dish, Comcast, and Time Warner. Formed in 2010, the team brings a wealth of experience from Paramount, 20th Century Fox, and Walt Disney Studios. This industry exposure  helps ensure each film has the maximum opportunity to reach its target audience.

"The Formula" is the story of Quinn (Baker) and Graham (Second City's Mike Schminke), two engineering students who discover a mathematical formula to pick up women with ease. Quinn is a hopeless romantic who falls head over heels for a young student teacher. Graham is a chauvinistic womanizer who thinks the key to finding the woman of his dreams is by wooing as many as possible. As "The Formula" follows Quinn and Graham from one date to the next, they discover that there is no shortcut to finding true love.

With many of the cast and crew also reigning from Chicago, "The Formula" is the third film produced by Backrow Studios, LLC. Its first feature length film "Kung Fu Graffiti" signed a contract for sales and distribution with Los Angeles -based production house Entertainment 7. The company's second feature "The Wedge" is hitting the film festival circuit, and landed three awards including Best Professional Feature at the Cedar Rapids Independent Film Makers Festival.

"The Formula" was directed by Joe Clarke and Thomas Beecher, with executive producer Ravi Patel. For media inquiries and interview requests, please contact producer Tim Nash at 319-531-6324.

The Arc of the Quad Cities Area will host a Job Fair at its Heritage Fifty-Three campus this Tuesday,  October 15, 2013, from 9 am to 2 pm. The address is 4601 53rd Street in Moline. Open Interviews will be extended to candidates qualifying for the following positions:

Director of Development and Communications;

Program Supervisor - Residential;

Program Trainer - 1st shift and 2nd shift;

Production Worker with CDL Class A License; and

Dietary Supervisor.

All current openings may be found online at www.arcqca.org. Though The Arc encourages applicants to apply online in advance, laptops with internet access will also be available during the Job Fair.

The Arc of the Quad Cities Area is an Equal Opportunity Employer.

The Arc's mission is "To live and work in partnership with the community to support individuals with developmental and other disabilities, through a variety of support services. " The Arc of the Quad Cities Area serves more than 350 individuals with intellectual and other disabilities. Programs foster the highest degree of independence possible, offering residential services, developmental and vocational skills training, supported employment, and respite care. From its humble beginnings in the living room of a privately-hired teacher in 1952, The Arc has evolved to a $12 million non-profit which employs a staff of more than 250.

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