Too many people end up getting less than what's due them from Social Security when they retire because they don't know the rules and the real financial impacts, says independent retirement advisor Gary Marriage, Jr.

"There's a lot of talk about the future of Social Security, but we still have this benefit and if you're 50 or older, you should be planning to make the best use of it," Marriage says.

Marriage, CEO of Nature Coast Financial Advisors (www.naturecoastfinancial.com), which specializes in maximizing retirees' finances, shares important facts to keep in mind as you plan for how Social Security will factor in your retirement:

•  "Can I convince you to wait a few more years?" Many people are understandably eager to retire as early as possible; others fear Social Security retirement benefits will suddenly vanish, so they want to get what they can as quickly as possible - at age 62. But if you're counting on those benefits as part of your income, you should wait until you're eligible for the full amount. That's age 66 if you were born 1943-54, and age 67 if you were born in 1960 and later. If you're in the older group, retiring at 62 cuts your benefits by a quarter; for the younger group it's nearly a third. "Chances are, you'll be better of mentally and physically if you wait anyway," Marriage says. "Many studies show that people live longer and are more vital the longer they remain employed; more importantly."

• The reductions in Social Security add up to a considerable sum. The average retirement benefit in June of this year was 1,222.43, according to the Social Security Administration. People born in the 1943-54 group who are eligible for that amount at age 66 will get just $916.82 a month if they retire at 62. If they live to age 90, that's a total of $308,052.36. By waiting just four years, they'll net an additional $44,007.48. Waiting until age 70 can make you eligible for a bump in benefits - up to 8 percent a year - but there are no increases if you delay longer.

• If divorced, were you married for at least 10 years? Were you married for a decade and aren't currently remarried? You may be eligible to received benefits based on the former spouse's work record. Here are some of the other requisites: you must be age 62 or older, and the former spouse must be entitled to receive his or her own benefits. If the former spouse is eligible for a benefit, but has not yet applied for it, the divorced spouse can still receive a benefit. Additionally, two years must pass after the divorce.

About Gary Marriage

Gary Marriage, Jr. is the founder and CEO of Nature Coast Financial Advisors, which educates retirees on how to protect their assets, increase their income, and reduce their taxes. Marriage is a national speaker, delivering solutions for pre-retirees, business owners and seniors on the areas affecting their retirement and estates. He is an approved member of the National Ethics Bureau, and is featured in "America's Top Hometown Financial Advisors 2011." Marriage is also the founder of Operation Veteran Aid, an advocate for war-time veterans and their families.

CLICK HERE TO BUY TODAY!

$60 per ticket ($50 for TCR Members) - OR, become a "Host" and get 10 tickets (plus more benefits!) for $500.

  • Program includes 80th season preview performances, surprise guests and special announcements.

  • Entertainment includes prohibition era music before & after the program.

  • Food and moonshine provided (with a cash bar available)

  • Cocktail attire (If you prefer, dress for the era or add a hat for fun!)

  • To get your ticket and password, contact the TCR Box Office or go to www.theatrecr.org/curtainraiser.

  • Ticket and password required for entry.

  • Make sure you are not being followed by anyone as to tip off the whereabouts of the soiree.

 

SUBSCRIBE TO NEXT SEASON ONLINE

Pick at least three shows...

TCR's magical 80th season is available online for three show (minimum) Starter Packs, or full subscriptions with mix/match and ala carte options.  Click the link, and purchase the shows you want for the performances you want.  Don't forget, the 80th Season will end with the international hit... Les Misérables!

 

A new DIVAPALOOZA show you won't want to miss. Imagine Aretha Franklin, Janis Joplin, and Bette Midler all together on one stage, and you've got DIVAPALOOZA. Janelle Lauer, Jane Pini , and Lynne Rothrock will entertain with a band of the finest musicians. Something for everyone - rhythm & blues, jazz, musical theatre, rock & roll, folk, and country.

 

The Music Man In Concert w/ Orchestra Iowa
at The Paramount September 25-29, 2013

LAST CHANCE TO GET PRIORITY SEATING - Single Tickets go on sale August 9th, but TCR Subscribers can take advantage now by ordering three or more productions.  Contact TCR Box Office or order online today!

Join us for Meredith Willson's "The Music Man: In Concert" collaborating Theatre Cedar Rapids and Orchestra Iowa in an evening of incredible singing with classics such as: "76 Trombones" "Shipoopi" "Goodnight My Someone" and other favorites from one of the greatest and most beloved musicals of all time.

 

FINAL TCR Camps Begin August 5th

It's not too late to register!

3rd-5th Grade Theatre

Master the essential techniques of theatre - onstage and behind the scenes.  Through improvisation, acting and scene work, as well as learning some basis of the technical elements of theatre, each session will develop an original play or series of scenes to present at the showcase.  Come develop the confidence needed to make a splash at your next audition or performance - confidence you will carry through the school year and your lifetime.  $195 (TCR member rate $156)

  • Session 7: August 5-August 16, 9:00am-12:00pm OR

  • Session 8: August 5-August 16, 1:00pm-4:00pm

3rd-5th Grade Musical Theatre

Are musicals your thing?  If you can't get enough of singing show tunes, this camp is for you.  You'll hone your singing, dancing, and acting skills while working on pieces from famous musicals.  $195 (TCR member rate $156)

  • Session 11: August 5-August 16, 1:00-4:00pm

 

RENT opens Friday, August 2 at 7:30 pm at the Coralville Center for the Performing Arts.  Presented by City Circle Acting Company of Coralville, RENT will be performed August 2 and 3 at 7:30 pm and August 4 at 2 pm.

Cast members from City Circle's 2009 sold-out teen production of RENT reunite to reprise their roles in this highly acclaimed Tony Award and Pulitzer Prize winning rock musical with music and lyrics by Jonathan Larson based on Puccini's opera La Boheme

Tickets can be purchased online at  http://www.coralvillearts.org/ or by calling 319.248.9370 or in person at the CCPA box office at 1301 5th Street and at the Coralville Recreation Center at 1506 8th Street.

DES MOINES, IA (07/30/2013)(readMedia)-- The Patty and Jim Cownie Cultural Center will be popping with art at the 2013 Iowa State Fair. Home to Iowa's largest art show, the Cultural Center will feature balloon art sculptures, art activities, demonstrations and more - all in a newly air-conditioned environment. "Nothing Compares" to the 2013 Iowa State Fair set August 8-18.

Air conditioning and additional restrooms have been added during the Cultural Center's second phase of renovation. The three-story concrete structure, originally built in 1948, underwent the first phase of renovation in 2012 with the installation of elevators. The final phase of the renovation will be completed in time for the 2014 Fair.

The Cultural Center atrium showcases Poppin' Penelope Balloon Art from 9 a.m. to 9 p.m. every day of the Fair. Penelope uses her unparalleled twisting speed and encyclopedic balloon knowledge to create whatever Fairgoers can imagine. Dressed in her '50s flair, she's up to any balloon challenge.

The state's largest art show will showcase exhibits in the areas of fine arts, photography, creative arts, wood projects and doll house and miniature room displays. More than 2,500 exhibits will be on display.

Fairgoers can let their creative flags fly and try their hands at making art. Make and Take projects available in the Cultural Center include magnets, wire jewelry and name bracelets.

Live demonstrations and working exhibits also offer Fairgoers the opportunity to see art in action, with artists demonstrating such art forms as wheel thrown pottery, glass fusing, china painting and more.

For a complete schedule of activities in the Cultural Center, visit www.iowastatefair.org.

"Nothing Compares" to the 2013 Iowa State Fair, August 8-18. Save money on advance admission tickets now through August 7 (while supplies last). The Fairgrounds are located at East 30th and East University Avenue, just 10 minutes east of downtown Des Moines. For more information, call 800/545-FAIR or visit www.iowastatefair.org.

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Loebsack opposed a balanced budget which would have preserved Medicare for future generations 

Bustos opposed a balanced budget which would have preserved Medicare for future generations

WASHINGTON - Forty-eight years ago today, President Lyndon B. Johnson signed Medicare into law. How is Rep. Dave Loebsack celebrating this historic anniversary? By continually opposing plans that would balance the budget and preserve and protect Medicare for future generations.

"On the anniversary of Medicare, Dave Loebsack and Congressional Democrats should be ashamed of their votes to destroy this vital social program," said NRCC Communications Director Andrea Bozek. "Dave Loebsack's consistent opposition to a balanced budget is hurting seniors and bankrupting Medicare."

Loebsack's vote against the Republican balanced budget isn't the only vote that hurt Medicare recipients. Loebsack has also opposed fully repealing ObamaCare, which gutted Medicare by $716 billion. Recent reports have shown that doctors are abandoning Medicare payments due to ObamaCare's costs and regulations.

Dave Loebsack Voted Against The Republican Balanced Budget.

(H. Con. Res. 25, Roll Call #88, 3/21/13)

Dave Loebsack Voted Against Repealing ObamaCare.

(H.R. 45, Roll Call Vote # 154, 5/16/13)

Cheri Bustos Voted Against The Republican Balanced Budget.

(H. Con. Res. 25, Roll Call #88, 3/21/13)

Cheri Bustos Voted Against Repealing ObamaCare.

(H.R. 45, Roll Call Vote # 154, 5/16/13)

Fewer doctors are treating patients enrolled in Medicare because of ObamaCare's costs and regulations. ("More Doctors Steer Clear of Medicare," Melinda Beck, Wall Street Journal, 7/29/2013))

New Law Authorizes Low-Interest Loans to Help Firms Get Funding They Need to Secure Bonding and Equipment Financing

CHICAGO - Governor Pat Quinn today signed a new law that will establish a revolving loan program to increase minority- and female-owned business participation in state construction projects. Governor Quinn made this issue a priority in his 2013 State of the State address, and the new law is part of his agenda to make business opportunities available to everyone in Illinois and drive the state's economy forward.

"Small, minority-owned firms often don't have the necessary resources to bid on state construction projects, and this new law helps them get a foot in the door," Governor Quinn said. "As the loans are paid back, those funds help other firms who are in the same situation, which grows our economy and creates jobs."

House Bill 3267, sponsored by State Representative William Davis (D-Homewood) and State Senator Mattie Hunter (D-Chicago), creates the Disadvantaged Business Revolving Loan Program and allows the Illinois Department of Transportation to make low-interest loans to certified minority- and female-owned businesses that have construction contracts with the agency. Many of these firms are small and lack the ability to obtain the lines of credit necessary to secure the bonding and capital equipment financing needed for state construction projects.

An initial state investment of $3 million will start the revolving loan program. Once operational the program will be largely self-funding, with payments on existing loans allowing new loans to be made. The new law takes effect immediately.

"The contracts awarded by our state departments should reflect the diversity of Illinois," Representative Davis said. "This measure helps to provide equal opportunities for firms owned by socially and economically disadvantaged individuals."

"I have worked tirelessly to create a state financing program that will level the playing field for all businesses by providing working capital to contractors who are shut out by the banks but, are qualified to successfully complete state construction projects," Senator Hunter said. "A subcontractor's inability to attain lines of credit severely hinders them from attaining bonding or becoming prime contractors. This legislation works to eliminate one of the major barriers to meeting those goals."

The new law will help these firms take part in Governor Quinn's $31 billion Illinois Jobs Now! program, which is supporting more than 439,000 jobs over six years. Illinois Jobs Now! is the largest capital construction program in Illinois history, and is one of the largest capital construction programs in the nation.

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(DES MOINES) - Gov. Terry E. Branstad today has ordered all flags in Iowa be flown at half-staff from 8 a.m. - 5 p.m. Thursday, August 1, 2013, in honor of Iowa native, retired Col. George "Bud" Day.

Day's funeral will be on Thursday, August 1, 2013 in Shalimar, Florida and he will be buried at Barrancas National Cemetery at Pensacola Naval Air Station.

"Bud Day loved this country and its people, and we are all better off as a result of his service," said Gov. Branstad. "Bud Day was a hero to all, a friend to many and will be an inspiration to generations in the future. I hope all Iowans will join me in recognizing this man and his extraordinary, unique career and contributions to his country."

Col. George "Bud" Day, was born in Sioux City, Iowa on Feb. 24, 1925. He dropped out of high school in 1942 to enlist in the U.S. Marine Corps during World War II and served in the Pacific theater. Following World War II, Day earned a Bachelor of Science degree from Morningside College and a law degree from the University of South Dakota. In 1950, Day received an officer's commission as a 2nd Lt. in Company M, 133rd Infantry Regiment, Iowa Army National Guard in Sioux City. He transferred to the U.S. Air Force Reserve in 1951, where he completed pilot training and entered the active duty U.S. Air Force for combat in the Korean War. Day remained on active duty with the Air Force following Korea and served in the U.S. Air Force during the Vietnam War. While flying a combat mission over North Vietnam, Day was shot down Aug. 26, 1967, captured by the North Vietnamese Army and spent five and a half years as a prisoner of war. During his captivity in North Vietnam, Day and U.S. Sen. John McCain were cellmates at the Plantation and Hanoi Hilton prison camps. Day was released from captivity in March 1973 and retired from the U.S. Air Force in 1977.

Upon military retirement he moved to Florida, where he began a law practice that focused on advocating for veterans' issues. Over the course of his 35-year military career, Day earned more than 70 awards for combat, including the nation's highest award for valor, the Medal of Honor, for his actions in Vietnam. At the time of his death, Day was one of the nation's most highly-decorated service members.

"I was honored to call Bud a friend," said Gov. Branstad. "We had the opportunity to hunt together, even as recently as 2010, and I always enjoyed our time together. He will be missed."

Flags will be at half-staff on the State Capitol Building and on flag displays in the Capitol Complex, and upon all public buildings, grounds, and facilities throughout the state. Individuals, businesses, schools, municipalities, counties and other government subdivisions are encouraged to fly the flag at half-staff for the same length of time as a sign of respect.

# # #

The annual Brucemore Garden & Art Show will return Saturday, August 24 from 9:00 a.m. to 4:00 p.m. amidst the historic charm of the Brucemore gardens and landscape. More than 60 artists and garden vendors from across the Midwest will share their expertise by showcasing unique products, vivid presentations, and pertinent information, including ceramics, plantings, jewelry, sculpture, glass, textiles, and more.

Educational opportunities will captivate attendees, whether it's engaging in a one-on-one conversation, participating in an interactive display, or listening to a featured lecture. The Linn County Master Gardeners, Ceramics Center, and Hy-Vee will lead relevant presentations on the festival's main stage.  The Linn County Master Gardeners will showcase several displays and demonstrations in the Formal Garden, including raised-bed garden creation, insect identification, and heirloom vegetable care. Plant vendors and horticultural organizations will share unusual and standard specimens, and artists will eagerly discuss their original paintings, pottery, and more.

The 2013 show will continue its rich tradition of incorporating hands-on activities for families.  Children can decorate flower pots with mosaic pieces, fire raku, and participate in a clay activity with the Ceramics Center. For the fourth year, the special section "Chew on This" will highlight organic and locally grown food with interactive displays, heirloom tomato tasting, frozen custard tasting, old fashion lawn games, watermelon seed spitting contests, an insect petting zoo, and more. Cedar Rapids Linn County Solid Waste Agency will provide free compost to all interested attendees.

Tickets are sold at the gate the day of the event or online at www.brucemore.org.  Admission is $6.00 per person. Children 10 and under are free when accompanied by an adult. Parking is off-site. Shuttle service is available from Washington High School throughout the day. Handicap parking is available on-site by entering the First Avenue gate only. No pets, coolers, outside food, or weapons allowed during the event. Food and beverage vendors will be available on-site. The Brucemore Garden and Art Show is sponsored by Cedar Rapids Linn County Solid Waste Agency and Penford Products.  For further information on the Brucemore Garden and Art Show, please call (319) 362-7375 or visit www.brucemore.org.

Experience Brucemore, an unparalleled blend of tradition and culture, located at 2160 Linden Drive SE, Cedar Rapids, Iowa. At the heart of the historic 26-acre estate stands a nineteenth-century mansion filled with the stories of three Cedar Rapids families.  Concerts, theater, programs, and tours enliven the site and celebrate the heritage of a community.  For more information, call (319) 362-7375 or visit www.brucemore.org.

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Psychological abuse can be as damaging to the psyche as physical abuse can be to the body, yet little is written about this common problem, which is typically the precursor to physical abuse. According to the National Coalition Against Domestic Violence (NCADV), 95 percent of men who physically abuse their intimate partners also psychologically abuse them.

Psychological abuse consists of impairing the mental life and impeding mental development. It creates distorted beliefs, taught by the abuser, about the world. Those beliefs become ingrained in the victim's mind and can interfere with the flexibility that needed to constantly assess the environment and respond appropriately. Knowing the signs of psychological abuse may save women from the physical abuse that so often follows.

I experienced psychological abuse through the eyes of a child -- part of the stories I share in "Believe in the Magic: Let the Tenacity of Mattie Fisher Inspire You," (www.mattiefisher.com), the story of my mother's remarkable journey.

I watched as my father systematically and maliciously attempted to drive my mother crazy. He would constantly move car keys and other items from the places she normally kept them. He would then pretend to find them in odd places, like the refrigerator. After playing the hero for a month or so, my father would start insulting my mom with degrading remarks.

After months of psychological warfare, with her mental state sufficiently weakened, my father would begin the physical abuse. For the rest of her life, my mother was inconsolable and shaky whenever something went missing.

Signs of psychological abuse include :

• Your partner uses finances to control you.
• He often threatens to leave.
• She seeks to intimidate using looks, gestures or actions.
• He smashes things.
• Your partner seeks to control you by minimizing, denying and blaming
• He makes light of the abuse and does not take your concerns about it seriously.
• You are continually criticized, called names and/or shouted at.
• She emotionally degrades you in private, but acts charming in public.
• He humiliates you in private or public.
• They withhold approval, appreciation or affection as punishment.

Effects of psychological abuse on the victim, from the Center for Relationship Abuse Awareness:

• A distrust of his or her own spontaneity
• A loss of enthusiasm
• An uncertainty about how she is coming across
• A concern that something is wrong with him
• An inclination to reviewing incidents with the hopes of determining what went wrong
• A loss of self-confidence
• A growing self-doubt
• An internalized critical voice
• A concern that she isn't happier and ought to be
• An anxiety or fear of being crazy
• A sense that time is passing and he's missing something
• A desire not to be the way she is, e.g. "too sensitive," etc.
• A hesitancy to accept her perceptions
• A reluctance to come to conclusions
• A tendency to live in the future, e.g. "Everything will be great when/after ..."
• A desire to escape or run away
• A distrust of future relationships

If you answered yes to even one, you may be in an abusive relationship. Get help!
Call the National Domestic Violence Hotline at 1-800-799-SAFE, or the National Sexual Assault Hotline at 1-800-656-HOPE.

About Dee Louis-Scott

Dee Louis-Scott is the author of "Believe in the Magic: Let the Tenacity of Mattie Fisher Inspire You," (www.mattiefisher.com), the story of her mother's remarkable journey. Louis-Scott retired after working 30 years as a federal employee. She has a Bachelor of Science degree in business administration. Scott has co-chaired the Black Family Technology Awareness Association's Youth STEM Fair for nine years; its mission is to encourage studies in the Science, Technology, Engineering and Math curriculum in urban communities. Twenty years since the death of her heroic mother, Mattie Fisher, Louis-Scott honors her life, which was experienced in a time in American history when it was a double-curse to be a black woman.

DES MOINES, IA (07/30/2013)(readMedia)-- State Treasurer Michael Fitzgerald reminds Iowa State Fair visitors to stop by the College Savings Iowa booth and register for a chance to win the College Savings Iowa $5,290 Fall Giveaway for their child or grandchild. "Visit our booth in the Varied Industries building and register to win $5,290 towards a college education for a special child," Fitzgerald said.

Treasurer Fitzgerald encourages families to start saving for college as soon as possible. "Saving ahead of time may reduce a need to borrow to cover educational expenses, which can help parents - and their children - get through college with less debt," says Fitzgerald. "Even a small amount of money, invested regularly over time, can grow into a substantial sum."

College Savings Iowa is designed to provide families a tax-advantaged way to save money for their children's higher education. It only takes $25 to open an account, and anyone - parents, grandparents, friends and relatives - can invest in College Savings Iowa on behalf of a child. Participants who are Iowa taxpayers can deduct contributions up to $3,045 per beneficiary from their 2013 adjusted gross income, and there are no income or residency restrictions.* Earnings grow tax free and investors can withdraw their investment federally and Iowa state tax-free to pay for qualified higher education expenses including tuition, books, supplies and certain room and board costs at any eligible college, university, community college or accredited technical training school in the United States or abroad.**

Saving for a child's education is always a smart investment, and College Savings Iowa is here to help. For more information about College Savings Iowa, visit www.collegesavingsiowa.com or call 1-888-672-9116.

*Adjusted annually for inflation. If withdrawals are not qualified, the deductions must be added back to Iowa taxable income.

**Earnings on non-qualified withdrawals may be subject to federal income tax and a 10% federal penalty tax, as well as state income taxes. The availability of tax or other benefits may be contingent on meeting other requirements.

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Investment returns are not guaranteed and you could lose money by investing in the plan. Participants assume all investment risks as well as responsibility for any federal and state tax consequences. If you are not an Iowa taxpayer, consider before investing whether your or the designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's qualified tuition program.

For more information about the College Savings Iowa 529 Plan, call 888-672-9116 or visit www.collegesavingsiowa.com to obtain a Program Description. Investment objectives, risks, charges, expenses, and other important information are included in the Program Description; read and consider it carefully before investing.

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