Author Offers 3 Tips to Level the Playing Field

The headlines would be comical if they weren't so sad - and numerous.

"YOUNG WOMAN SCAMS LOVE STRUCK ELDERLY MAN OUT OF $200,000" (Elk Grove, Calif., January 2013)

"Just Google and you'll find all kinds of news stories about men who willingly give up their cash, their luxury cars, even an ex-wife's diamond ring," as in the Elk Grove case, says Charles D. Martin, author of "Provocateur," (www.provocateurbook.com), a novel about smart, beautiful women and the power they wield over men.

"As men, we never like to admit that we may be outsmarted by a woman - but the truth is, it is happening all the time!"

And it's getting worse, for men.

"Women are far outpacing men in numbers of college degrees. They now outnumber men, earning almost 60 percent of college degrees," Martin says. "And while that doesn't necessarily make them 'smarter' than men, it sure does add to their advantage."

In addition women have other (obvious) advantages.

"In the presence of a sexy woman, men lose their ability to think or act rationally," Martin says. "That's an enormous advantage for women! Men do not realize that it is women that are in charge of the mating process."

How can men level the playing field? Martin has some suggestions:

• Recognize the predator - and the prey. If you are an older gentlemen, particularly one with some status or affluence and a young, attractive woman comes on to you ... be on guard. She probably has nefarious, not amorous, motives. Keep your pants zipped and your wallet stowed until you are totally persuaded that her affection for you is genuine.

• Remember, they don't have to be young to be dangerous. The woman arrested in the Elk Grove, Calif., case was 30 years old. There are also recent news stories about a 54-year-old woman stealing more than $85,000 from a 93-year-old man, promising him a "big payoff." In another case, a 45-year-old woman had a 60-year-old man paying for her elective surgeries, limousines, even a $1,000 dog. She was arrested in December. "They may be moms or grandmoms, but they're still women," Martin says.

• Even if you are happily married, you are still vulnerable. Beware the "perfect storm," which occurs as a man ages and tries to hang on to his virility, just as his high school sweetheart is also showing signs of wear. That makes him vulnerable to a younger female with ulterior motives. If a sexy woman comes on to you, get away fast.  These "Provocateurs" can get the best of you in a nanosecond.

About Charles D. Martin

Charles Martin runs a hedge fund, Mont Pelerin Capital, LLC, and serves on the investment committees of prominent universities. An established business writer, his first novel focuses on the intrigue that often exists between alpha females that take on - and conquer - dominant males. Martin lives with his wife in a coastal town south of Los Angeles.

Amana - Falling in love again was not something Ralph was expecting. Fate however had other ideas for this lively widower and a different path home one evening leads him to Carol and changes his life.

Don't miss The Last Romance, a funny account of second chances and the surprises life can bring, opening on The Old Creamery Theatre's Main Stage April 25. The Last Romance was written by Joe DiPietro and is directed by Krista Neumann of Iowa City. The cast consists of Troy Bruchwalski of Cleveland, OH, Tom Milligan of West Amana, Rachael Lindhart of Iowa City and Licia Watson of Kansas City, MO.

Tickets are $27.50 for adults and $18 for students. Show times are Wednesdays, Thursdays and Sundays at 3 p.m. and Fridays and Saturdays at 7:30 p.m. Student rush tickets are available half an hour before performances. A student ID is required to get this special rate of $12 per ticket. Group rates are also available.

The Last Romance is sponsored by Cedar Rapids Hearing Center with media sponsors Mature Focus Magazine and KGYM. The show runs through May 26.

Call the box office at 800-35-AMANA or visit the website at www.oldcreamery.com for tickets or more information. Walk-ins are always welcome if seats are available. Reservations are highly recommended.

The Old Creamery Theatre Company is a not-for-profit professional theatre founded in 1971 in Garrison, Iowa. The company is celebrating 42 years of bringing live, professional theatre to the people of Iowa and the Midwest.

Governor's Rebalancing Initiative is Increasing Community Care and Reducing the Number of Outdated, Expensive Institutions

SPRINGFIELD - Governor Quinn today addressed the "Going Home" rally, hosted by several disability advocacy groups, and emphasized his commitment to improving the lives of people with developmental disabilities and mental challenges in Illinois. As part of his agenda to ensure all people have the opportunity to follow their dreams and reach their full potential, Governor Quinn launched his Rebalancing Initiative in 2011 to increase community care and reduce the number of outdated, expensive institutions.

In the last several years, the governor has closed two State-Operated Developmental Centers (SODCs), and increased community care options in Illinois which are proven to provide a higher quality, more independent life, according to numerous studies. A third institution - the Warren G. Murray Developmental Center - is slated for closure later this year.

"This is a historic time for Illinois as we continue our commitment to change the status quo and improve life for people with disabilities and mental health challenges in Illinois," Governor Quinn said. "Moving from outdated institutions to community care is improving Illinois' quality of care and allowing people to lead more independent and fulfilling lives."

Hundreds of supporters and advocates gathered today in support of the governor's Rebalancing Initiative. Numerous studies show that individuals living in the community have a better quality of life than those living in large institutions. Community settings allow individuals to receive the care they need, including 24-hour care. In addition, community care is also significantly less costly than institution-based care. The average cost for Murray Center is $239,000 per year per resident, while the average cost for a Murray resident living in the community while receiving the supports they need is estimated at $120,000 per year.

The governor's proposed fiscal year 2014 budget will move 1,150 individuals into community living, home-based services including 500 individuals off of the waiting list. The Quinn Administration has developed a comprehensive, person-centered plan to transition residents safely into the community, ensuring that each individual's new home meets their specific needs. The plan is being implemented carefully and responsibly over the next several months to ensure a smooth transition for residents.

"We are working closely with families and guardians using a person-centered planning process to ensure safe transitions for residents of Murray Center," Kevin Casey, director of the Illinois Department of Human Services (IDHS) Division of Developmental Disabilities said. "We developed a comprehensive, well thought out plan to transition Murray residents safely into the community and ensure that each individual's new home will meet their specific needs."

###

Crossing guards shepherd us safely across the street. They keep children safe from traffic throughout the year ? no matter the conditions: wind, rain, snow or sweltering heat.

Since 2005, the State of Illinois has been officially honoring these individuals with Crossing Guard Appreciation Day. This year, the event takes place on May 7.

In honor of Crossing Guard Appreciation Day, the Chicago Department of Transportation and the Active Transportation Alliance are asking neighbors to share stories about their local crossing guards. Chicago and suburban residents can share how much they value their crossing guard at www.activetrans.org/crossingguard.

The public is invited to share stories until through May 7, 2013 ? the day Illinois Gov. Pat Quinn declared as Crossing Guard Appreciation Day.

"Crossing guards provide an invaluable service to our communities," said Ron Burke, executive director of the Active Transportation Alliance. "They are out there every day making the streets safer by helping children get to school and guiding residents as they walk to their bus stop."

Here are a few ways you can help celebrate the efforts of your local crossing guards.

  • Download and present them with a certificate of appreciation: www.activetrans.org/crossingguard.
  • Write a thank you note.
  • Give the guard a gift card to a local business.
  • Share details about the great work that a particular crossing guard does in your neighborhood.
  • Visit www.activetrans.org/crossingguard to read comments people made about their favorite crossing guards in recent years.

(DES MOINES)  - Gov. Terry Branstad today signed the following bills into law:

House File 397: an Act relating to the administration of duties and programs by the Economic Development Authority.

House File 488: an Act concerning the Alcoholic Beverages Division of the Department of Commerce and Alcoholic Beverage Control, and making penalties applicable.

House File 544: an Act relating to the Iowa Veterans Home and providing for the consideration of contributing to support as repayment.

###
2013 stock markets started like 2012 stock markets - with a bang. U.S. stock markets kicked off 2013 with a very good 10.7% return. Also like 2012's first quarter, foreign markets didn't fare as well, earning only 3.5% in the quarter. If we merely hold onto these gains for the remainder of the year we'll do fine.

In the following I examine the details of what has been working in global stocks, providing quick insights into market segments that have succeeded and failed.

U.S. Stocks
Smaller value stocks led the way in the quarter, earning more than 13%. By contrast, large core companies earned only 7.5% and large value earned 9.5%. Other than these extremes, style returns clustered around 12%. This has been one of those unusual periods where the "stuff in the middle" (core) has not performed in line with the "stuff on the ends." I use Surz Style Pure® classification throughout this commentary.

On the sector front, health care and consumer staple stocks fared best, earning 15% and 14% respectively. By contrast, materials earned only 1%, and infotech gained only 6%.

But the interesting details lie in the cross-sections of styles with sectors, as shown in the following heat map. A heat map shows shades of green for "good," which in this case is good performance relative to the total market. By contrast, shades of red are bad, indicating underperformance. Yellow is neutral. In the table below, we see that the best performing market segment was comprised of mid-cap core companies in the consumer staples sector, earning 24.1%. And the worst performing segment was small cap core in the utilities sector, losing 11.4%. Many quantitative managers employ momentum in their models, buying the "green" and selling the "red." Fundamental managers use heat maps as clues to segments of the market that are worth exploring, for both momentum and reversal potential.

Foreign Stocks Looking outside the US, foreign markets earned 3.5%, lagging both the U.S. stock market's 10.7% return and EAFE's 5.3% return. Japan was the big story, earning 12.8% in $U.S. The return in Japanese yen was an even more impressive 23%. The Japanese stock market soared in the quarter as the yen was weakening against the dollar. By contrast, emerging markets suffered a setback, losing 2%.

On the style front, core surprised, as it did in the U.S., but core led rather than lagged. Like the U.S., further insights into market behavior are provided by heat maps, as shown in the following. As you can see, Japan was "green" in almost all styles and sectors, and emerging markets and the materials sector were both mostly red -- underperming.

How to Use This Information

We all have outlooks on the economy and the stock market, and adjust our thinking as results roll in. I personally remain surprised and grateful that stocks have performed so well recently. In my end of year commentary, I pointed out Japan as a bargain play, and the movement of assets into emerging markets. As 2013 has unfolded so far, bargain hunting has won, and asset flow has lost. You can use the information above to test your personal outlooks, to see which are unfolding as you think they should and which are not, with the intention to clear the haze from those crystal balls.
And now a word on target date funds: Department of Labor Guidance Creates Opportunities in Target Date Funds
After four long years of anxiously awaiting, the Department of Labor has finally released must-read guidance on the selection and monitoring of target date funds. These new rules clarify several safe harbor provisions, as well as provide various opportunities for proactive investment advisors.

The new DoL rules can be a threat or an opportunity. Advisors can ignore them, or embrace them. If you don't capitalize on these openings, someone else will. TDFs have grown from nothing to $1 Trillion in seven short years, and are forecast to grow another $3 Trillion, to $4 Trillion, by 2020.

To learn how you can profit from the DoL guidance, see OPPORTUNITIES and Fiduciary Guide.

U.S. businesses spend billions of dollars generating sales leads only to lose more than 70 percent of them simply because they don't make contact quickly enough, according to one study.

But that's not the only way they're losing out on opportunities, says Brandon Stuerke, president of Advisors Edge Marketing (www.advisorsedgemarketing.com), a specialist in marketing strategy and automation for financial advisors and other professionals.

"A study of more than 600 companies by Dr. James Oldroyd of MIT found that the odds of a lead entering the sales process were 21 times greater if the business made contact within 5 minutes of generating the lead versus contact in 30 minutes," Stuerke says. "Another study, this one by the Harvard Business Review, found that the average response time by businesses to a generated lead is 42 hours - and that's just for responses that occurred within 30 days."

Generating sales leads is big business, with more than $23 billion spent on internet leads alone, he notes.

"If you're a financial advisor or another professional, you may also be spending money on direct mail, invitations to seminars, TV commercials and/or print ads," Stuerke says. "How many leads are you generating, and at what cost per lead, only to lose them?"

Stuerke, who began developing innovative marketing strategies while working as a financial advisor, says he has found four ways professionals commonly lose sales leads.

"And they can all be fixed!" he says.

• Advertising calls to action that are all-or-nothing. Most sales people offer only a face-to-face meeting or a telephone appointment as their call to action in their advertising. But that's asking a lot of prospects who are simply exploring options and aren't yet ready for that level of commitment. Those are leads that, three to six months from now, may become sales - but they're lost early in the process. Instead, offer a less committed option such as "download this free report" in exchange for their information for follow up.

• No lead capture on your website. This is a huge problem! Many sites have no strategy for capturing information about visitors to the site, such as an email address. As a result, businesses spend thousands of dollars driving traffic to their website, but capturing none of the prospects' information. As a result, those prospects come to the site and leave and the business never knows they were there. A free report, or series of reports or videos with useful information based on your expertise are good lead capture tools. Buyers today turn to the web for information while doing research, so that's what you should give them. Offering free resources in exchange for a small bit of information is a great way to do that.

• Indifference in interactions. No matter what your profession, it's likely you've got a lot of competition. For consumers, shopping includes researching, and they're comparing services, expertise and experience before deciding who best deserves their patronage. If your interactions with prospects fail to "wow" them, they will quickly move on. But most professionals don't have a storyboarded plan for giving prospects that experience, which is what is needed for consistent results. An automated system that delivers carefully planned interactions is a great way to achieve this.

• Using social media without a plan. Many professionals have discovered that delivering consumer-friendly, useful content through social media is an effective means of attracting followers and cultivating prospects. However, one of the biggest problems with how businesses use social media is that they post a lot of high level, one-way communication with no call to action.  Having a call to action in your posts leading prospects back to a website designed to capture leads is critical for producing tangible results through social media.

A lot of these issues stem from a common problem: businesses focusing only on the hottest leads - the people who are ready to buy today, Stuerke says.

"Instead of allowing those 'cooler' leads to fall by the wayside, businesses should capture and cultivate them," he says. "Eventually, they'll find that instead of constantly chasing leads, they're harvesting new clients."

About Brandon Stuerke

Brandon Stuerke is a business coach and cutting-edge marketing strategist, specializing in innovative new tools that save professionals time while building their practices. He is the founder and president of Advisors Edge Marketing, Inc., which produces Automated Advisor, a new program that strategically streamlines prospect cultivation. He's also the creator and president of the Strategic Alliance Program, Winning With CPAs, which teaches financial advisors how to build their practices by partnering with CPAs.

(Rock Island) Proposition 2 and the expansion of the powers of the existing Rock Island Public Building Commission is still the best way to secure financing for updating existing county facilities.  It not only allows for savings through refinancing of existing obligations but also ensures that our facilities are maintained for years to come - protecting the next generation of county taxpayers.  Unfortunately, this expansion was voted down by the voters and we must respect the voice of the people.

First, I would like to thank all of the voters in this election.  This is what democracy is all about and I appreciate all of those who exercised that precious right.  Second, I am gratified by the service of those on the County Facilities Ad Hoc Committee that have so graciously and will continue to give volunteer their time for the betterment of Rock Island County.  I want to personally thank them and the many County taxpayers who helped in our effort to educate the public on the benefits of the Public Building Commission.

The need for a new courthouse remains. The cheapest form of financing is not available to the taxpayers but we still have to find a cost effective way to replace the current building. So the work continues but it is now moving into a new phase. The Ad Hoc Committee and County Board will attempt to find a way to bring about a space needs assessment and will assess the various options available.

The Ad Hoc Committee has always stated that its responsibility is efficiency, transparency and doing what is in the best interest of the taxpayer of Rock Island County.  The lack of passage of Proposition 2 will not change that ideal.  Even though there is no question any option available for providing for a new courthouse will cost more than if the county board could have been able to finance through the existing public building commission - the Ad Hoc Committee is committed to the next best solution.

Quad Cities falls behind for first time, drops first game after five-game winning streak opened season

 

BURLINGTON, Iowa (APRIL 9, 2013) - The Quad Cities River Bandits' run of five consecutive wins to start the season came to an end Tuesday night, as the Burlington Bees used three home runs and a two-run, eighth-inning double by Michael Bolaski to break a 4-4 tie and send the Bees to a 6-4 home win at Community Field.

After holding the Bees scoreless in the sixth and seventh innings, right-hander Lance McCullers (0-1) allowed an eighth-inning leadoff single by Bees second baseman Sherman Johnson. Right fielder Kyle Johnson then put down a bunt to the third-base side of the mound, which McCullers fielded and threw wide of first, allowing Sherman Johnson to reach third base. With catcher Anthony Bemboom batting, Sherman Johnson stole second base, but McCullers fanned Bemboom for the first out of the inning. After an intentional walk to Bees first baseman Wade Hinkle, McCullers faced Bolaski, who had been hitless in three previous at-bats. Bolaski hit a line drive over the head of right fielder Terrell Joyce to bring in both Johnsons for a 6-4 lead.

McCullers left following Bolaski's double after working 2 1/3 innings, allowing three hits and two runs - one earned - and walking two batters while striking out three. Left-hander Mitchell Lambson entered and escaped the jam to keep the deficit to two runs.

Right-hander Jairo Diaz pitched the top of the ninth inning and allowed a two-out infield single by River Bandits third baseman Ryan Dineen. Diaz then retired second baseman Carlos Perdomo on a one-hopper back to the mound for his second save.

The River Bandits (5-1) left 13 runners on base and were just 2-for-14 with runners in scoring position Tuesday night. The Bees (3-3) left only five runners on base and none in the first five innings against right-hander Daniel Minor, who allowed four hits but three home runs that accounted for the Bees' first four runs. Minor did not walk a batter while striking out five in five innings of work.

Quad Cities scored first for the sixth straight game, as center fielder Teoscar Hernandez hit a leadoff double, advanced to third on a bunt single by shortstop Carlos Correa and scored on a ground ball by designated hitter Chase Davidson. Burlington took its first lead in the bottom of the second inning, when Hinkle hit a leadoff double, and center fielder Chevy Clarke took Minor deep to center field.

The 2-1 deficit was the first of the season for the River Bandits, but they quickly retook the lead in the top of the third inning, as Correa walked, Davidson doubled and first baseman Jesse Wierzbicki tied the game with a single. Catcher Roberto Peña put down a squeeze bunt to give Quad Cities a 3-2 lead against left-hander Brandon Love, who worked 4 1/3 innings, allowed four hits and three runs.

Burlington tied it in the bottom of the third inning, as shortstop Wendell Soto homered to right field. The Bees took a 4-3 lead when designated hitter Andrew Ray homered to left field leading off the bottom of the fifth. Bees right-hander Brandon Efferson kept the lead until the seventh inning, when Wierzbicki reached on an infield single, Joyce singled, and Dineen put down a squeeze to tie it, 4-4, against right-hander Joseph Krehbiel (1-0), who earned the win with 1 2/3 innings of work.

Quad Cities will play the series finale in Burlington at 6:30 p.m. Wednesday.The River Bandits tandem of right-hander Mike Hauschild (0-0) and left-hander Colton Cain (0-0) will face a Bees tandem of left-hander Ryan Crowley (0-0) and right-hander Reid Scoggins (0-0).

 

UP NEXT: The 2013 home opener at Modern Woodmen Park is Thursday, April 11.Tickets for the 2013 season are now on sale! Call 563-324-3000 or visit www.riverbandits.com. It's not too late lock in your season ticket plan for the 2013 season! Season ticket and mini-plan packages start at just seven games and begin at less than $50. Call a River Bandits account representative today at 563-324-3000 to choose your seats and get the details of our various mini-plan packages.

ABOUT THE BANDITS: The River Bandits will make one of the biggest improvements to Modern Woodmen Park since the ballpark was first built back in 1931! A new Ferris wheel, standing 112 feet over the playing field, is scheduled to open in early June, along with two new zip lines, a carousel, a Frog Hopper, new bounce houses and many other fun attractions. The team also boasts a new major league affiliate, the Houston Astros, and fans will see last year's No. 1 overall draft pick, Carlos Correa. The Astros will also make the very first selection in the major league draft this June and could have another top pick end up in the Quad Cities. With new rides, new attractions, new improvements, a new affiliate and future major league stars, this season will be one every fan will not want to miss!

Prepared Floor Statement of Senator Chuck Grassley of Iowa

Ranking Member, Senate Judiciary Committee

The Motion to Proceed to Reid Gun Legislation

Tuesday, April 9, 2013

Click here for video of the speech.

Mr. President, earlier today, I met with families from Newtown, Connecticut to discuss the legislation we are currently debating.  It was emotional and difficult for all of us.  I thank them for sharing their stories of their loved ones and their concerns with me.  I hope my colleagues will also consider meeting with these families.

At the meeting, they called for a debate on the legislation, a debate we are having.  And under the new procedures available under Senate Resolution 15, the Majority Leader can move to proceed to a measure and vote on some amendments.  A vote against the motion to proceed does not cut off debate or votes on amendments.

Nonetheless, Mr. President, we are in the unusual position of being asked to take a leap into the unknown.  We are being asked to vote to proceed to an uncertain bill.  That bill is not even the bill that we would likely consider if the motion to proceed were successful.  The language on background checks would change.  Remarkably, if the language changed, it would be replaced with language that does not now exist.

The world's greatest deliberative body should not operate in this fashion.

In the Judiciary Committee, four bills were considered separately.  There was no consensus.  Three of them have now been combined.  But they are not ready for consideration.  At the time, the sponsor of the background check bill said it was not ready.  There are numerous problems with that bill.

Movement of firearms from one law-abiding citizen to another would be legal or illegal based on arbitrary distinctions that citizens could not be expected to know.  This is true even though when this language was the subject of a hearing in a previous Congress, a witness pointed out the problems.  But no changes have been made to address those issues.  Even an official with the ACLU says that criminal laws should give more guidance to citizens.

The bill operates in a way that would make gun safety efforts more difficult.  That does not make any sense.

The bill requires recordkeeping for private sales.  That is a step toward gun registration.  Indeed, we heard testimony in the Judiciary Committee that "universal" background checks cannot be effective without gun registration.

And the ACLU official is right to be concerned about the threat to privacy that the background check language presents.

He notes that the government would possess information concerning gun owners that it would not be required to destroy within 24 hours, as it must for current background checks.

He also points out that the bill contains none of the restrictions in current law that prevent other parts of the government from using the database for purposes beyond why the information was supposedly obtained.

The background check provision is also not ready for consideration because of the new federal felony that it creates.  If a law-abiding gun owner's gun is lost or stolen, he or she would be required to report that to both the Attorney General and appropriate local officials within 24 hours.  At the markup, I asked a number of questions of the bill's sponsor about how the offense would work.  For instance, who would pay for the additional law enforcement personnel who would take those calls?  What would a citizen's legal obligation be if the gun were misplaced rather than lost?  What would determine when the loss occurred that started the 24 hour period?

The sponsor said that these issues would be clarified.  So far, however, they have not been.  So law-abiding citizens will not know whether they are acting in compliance with the law or face a 5 year jail sentence.  The issues have not been clarified, but we are being asked to proceed to the bill anyway.

This new offense criminalizes inaction.  That is a grave threat to freedom.  Except for filing tax returns or registering for the draft, we punish bad actions.  We do not punish inaction. This new crime punishes failure to act.  And it only applies to those who lawfully own their guns.  A criminal whose gun is stolen is not required to report that fact.  With this offense, law-abiding citizens can be turned into felons, but felons cannot commit a crime.  Under this new offense, law-abiding citizens might be looking at five years in jail for doing nothing.  And all that is necessary for the gun to be subject to the reporting requirement is that the gun once moved in interstate commerce.

The Supreme Court has outlined three categories of situations in which Congress can rely on the Commerce Clause.  This is not one of them.

If Congress can do this, it can make people take all sorts of action simply because they owned a product that once moved in interstate commerce.  Like bread.  Or soap.  And they can face jail time if they do not do what Congress demands that they do.  Even the individual mandate from Obamacare only established a penalty, not a prison sentence.  I do not think 90 percent of Americans would support this universal background check bill if they read it.

The motion to proceed also goes to a bill that contains language on straw purchasing and gun trafficking.  I voted to report that bill to the Senate floor.  Many changes were made to that bill at my behest.  An amendment of mine was adopted.  At the time, I expressed concerns.  I spoke of my desire to have those concerns worked out before the bill went to the floor.  I said I would not necessarily support that bill on the floor if those concerns were not responded to.  They have not been addressed so far.  And those provisions were tied to the ever-changing background check provisions.

The whole process makes me wonder whether the efforts to pass a bill on this subject really are serious.  It seems that if a half-baked bill is brought up, the majority can be sure that they can force Republicans not to agree to proceed to it.  It seems like that may be just what they want to happen.   If so, that is a very cynical way to treat a very serious issue.

Mr. President, how can we responsibly proceed to a bill that contains language that even its sponsor admits is not ready for consideration?

-30-

Pages