By Jason Alderman

Many people file their income tax returns as early in the year as possible. Some are eager to claim their tax refund right away, while others are simply following their New Year's resolution not to procrastinate until midnight, April 15.

Let me add another good reason to file your taxes right away: tax refund identity fraud.

That's where someone uses your Social Security number (SSN), birth date and other private information to file a fraudulent income tax return in your name and then pockets the resulting tax refund. Often, a victim's first clue is a letter from the IRS contesting their legitimate tax return, saying one has already been processed under that name. It can take months - and mounds of paperwork - to unravel the mess.

This scam has proliferated in recent years thanks to a confluence of events:

  • There's a thriving black market in personal information stolen from healthcare facilities, nursing homes, schools, insurance companies and other institutions that require an SSN as identification.
  • The IRS is pressured to begin issuing refunds shortly after taxpayers start filing returns in mid-January, even though employers and financial institutions aren't required to submit withholding and income documentation until the end of March. Thus, disparities often aren't caught until months later.
  • The growing popularity of electronic filing, where hard-copy documentation (like W-2 and 1099 forms) isn't required.
  • Many people receive refunds via direct deposit and prepaid debit cards. Criminals open and close accounts using bogus addresses long before the theft has been detected.

Thanks to severe budget cuts and chronic understaffing - not to mention constantly playing whack-a-mole with thieves who dream up new schemes - the IRS is hard-pressed to keep up. In one extreme example, the agency issued more than $3.3 million in refunds for 2,137 tax returns filed to a single address.

But all is not lost. The IRS has significantly beefed up its fraud-prevention efforts. In 2011, they intercepted nearly 262,000 fraudulent tax returns seeking almost $1.5 billion in refunds related to identity theft. And they now issue special personal identification numbers (PINs) to impacted taxpayers to protect their future tax filings.

So what should you do if you've been victimized? Typically, the IRS will send you a notice that:

  • More than one tax return for you was filed;
  • You have a balance due, refund offset or have had collection actions taken against you for a year in which you didn't file a return; or
  • IRS records indicate you received wages from an employer you don't recognize. This could indicate that someone has used your personal information to get a job.

If you receive such a notice, don't ignore it. Complete an Identity Theft Affidavit (IRS Form 14039 at www.irs.gov) and return it with a copy of the notice to the address provided on the notice. If you did not receive a notice but believe you may be at risk, the form contains separate submission instructions.

The IRS's Identity Theft Protection website (www.irs.gov/uac/Identity-Protection) includes tons of helpful information, including ways to tell whether your identity may have been stolen, how to report a breach and tips to avoid identity theft.

And finally, file your tax return as early as possible to beat potential scammers to the punch. If you owe money, you can always file your return now and mail the payment by the April 15 deadline.

Law Will Allow All Motorists to Be Properly Licensed and Insured

CHICAGO - January 27, 2013. Governor Pat Quinn today was joined by legislators, community leaders and public safety advocates to sign into law a bill that will help ensure every Illinois motorist is properly licensed to drive. An estimated 250,000 immigrant motorists are on Illinois roads today, and these unlicensed drivers present a serious, but preventable safety risk to all Illinois drivers. Governor Quinn was an early supporter of this key legislation, which is part of his agenda to improve traffic safety in Illinois and lead the nation in welcoming and including our immigrant population.

"Driving means taking responsibility for your safety and the safety of others on the road," Governor Quinn said. "Despite the stalemate on immigration reform in Washington D.C., Illinois is moving forward. This common sense law will help everybody, regardless of their background, learn the rules of the road, pass a driving test and get insurance. As a result, our roads will be safer, we will create more access to job opportunities and our economic growth will be strengthened."

Senate Bill 957, sponsored by Senate President John Cullerton (D-Chicago) and Rep. Edward Acevedo (D-Chicago), allows the Secretary of State to issue temporary driver's licenses to applicants who have resided in Illinois for more than a year but who are not eligible for a social security number. In order to receive a temporary license, an applicant must pass a driving safety test and carry auto insurance. The driver's license cannot be used as official identification and can be revoked if a license-holder is found not carrying insurance.

"I congratulate the communities, organizations and the legislators who joined this strong coalition for highway safety. I want to thank Governor Quinn for signing this bill to make our roads safer by ensuring that all drivers are trained, tested and insured," said President Cullerton, the chief Senate sponsor of the bill.

"This legislation is long overdue and is a step towards making our roads safer and providing insurance to all drivers," Rep. Acevedo said.

According to the Illinois Highway Safety Coalition, unlicensed, uninsured drivers are involved in almost 80,000 accidents in Illinois each year, resulting in $660 million in damage. Unlicensed immigrant drivers cost $64 million in damage claims alone. If half of the estimated 250,000 unlicensed immigrants are properly licensed and insured, Illinois insurance policy holders would save an estimated $46 million a year in premiums. Nationwide, unlicensed motorists are five times likelier to be involved in a fatal crash than licensed drivers.

"Now that this legislation has passed the General Assembly and Governor Quinn has signed it into law, it is my office's responsibility to implement it in a way that improves road safety and underscores the importance of license integrity and security," Illinois Secretary of State Jesse White said. "At its core, this law will make the roads safer for everyone.  I want to reassure the public that my office will implement this law, in approximately 10 months, thoughtfully, efficiently and effectively. We will ensure that the TVDL is a safe and secure document. This law will improve road safety and will guarantee that more drivers will purchase and maintain auto insurance."

"Today is a proud day for our immigrant community, who have been fighting for driver's licenses for undocumented immigrants for the last 13 years," ICIRR's CEO Lawrence Benito said. "The signing of today's law sends a clear signal - our country is ready to unite in a bipartisan manner to pass a humane immigration reform that includes a pathway to citizenship."

Studies have shown immigrants who can drive legally are more likely to work, spend and contribute to the economy. Having a driver's license provides greater access to job opportunities and drives business activity and growth. This legislation passed the General Assembly with strong bipartisan majorities and the support of minority leadership in both chambers.

"As Congress continues to debate immigration policy and reform, today in Illinois we take a monumental step to recognize the needs of many hard-working immigrants already living here and contributing so much to our great state," said House Minority Leader Tom Cross (R-Oswego). "This new law provides Illinois residents the ability to go to work, take their kids to school or the doctor. It will also make the roads safer for all residents. We must continue to work together to unite around common principles and ways to help keep families together."

"We have been placed in this situation due to the inaction of the federal government," said Senate Minority Leader Christine Radogno (R-Lemont). "We can be proud of our work together to step up and address the issue here in Illinois. It is the right time for this important public safety issue to move forward."

"Individuals who are already driving to work, school and worship services will be able to do so without fear of unnecessary and costly incarceration," Cook County Board President Toni Preckwinkle said. "Requiring all drivers, regardless of their immigration status, to be trained, tested, licensed and insured will make our roads safer and ease the burden on Cook County courts and the jail. I commend Governor Quinn and leaders in the General Assembly for ushering through this common sense legislation."

"Today we are setting a model for the country on bipartisan cooperation on immigration and I am proud to be a part of the signing of this bill that will allow every resident, regardless of legal status, to enjoy the rights and responsibilities that come with a driver's license," Mayor Rahm Emanuel said. "We have taken an important step to do what is right and sensible for immigrants in the state of Illinois. I commend the sponsors - Senate President John Cullerton,  House Assistant Majority Leader Edward Acevedo - as well as the other Legislative Leaders for working together in a bipartisan fashion to get this done, and Secretary of State Jesse White for his leaderships ensuring all Illinois drivers, including undocumented drivers, get trained, licensed and insured."

To ensure adequate time for responsible implementation, Senate Bill 957 goes into effect 10 months from today. For more information about the law and a list of lawmakers, faith, labor and community groups who support it, visit www.HighwaySafetyCoalition.org.

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WATERLOO, IA -- Rep. Bruce Braley (IA-01) released the following statement today:

"Over the past 24 hours, I've been overwhelmed by the outpouring of encouragement and support from Iowans in every corner of the state urging me to consider a campaign for the U.S. Senate in 2014. Iowans deserve a Senator who will continue Tom Harkin's legacy of strengthening the middle class and standing up for Iowans who don't have a voice. While Senator Harkin's shoes are impossible to fill, over the coming days my family and I will carefully weigh a possible candidacy for Senate."


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February Library Programs Combine Cars, Culinary Creativity and Computers

Rock Island, IL: Driving tips for car owners, culinary creativity and computer skills are among the things adults can learn about in February at the Rock Island Public Library.

 

Driving After 60: Keeping Your Most Important Accessory, Your Keys

2:00 to 3:00 pm, Tuesday, Feb. 12

Rock Island Main Library, 401 19th Street

 

This free program with tips on safer driving for retirees and seniors is presented by AARP Driver Safety program instructor Caryl Altemus. The program also includes an overview of what is included in the full AARP Driver Safety programs, with information about upcoming courses. No registration is required.

The library's "driven to read" winter reading challenge for adults also continues in February. Adults may enter once for each book, eBook or audiobook they complete during the contest period, which ends Friday, March 1. Top prize in the random drawing is a Kindle Fire HD, along with drawings for Botanical Center passes, and restaurant/retail gift cards.

 

Book Lovers Edible Book Contest

11:00 am - 2:00 pm, Saturday, Feb. 16

Rock Island Main Library Community Room, 401 19th Street

 

February is Book Lovers month, and what better way to celebrate that love than by eating your words? Local cooks are invited to enter a tasty edible book baked good to be judged in one of three categories: Best Tasting, Most Elaborate and Best Looking. The only requirements are that entries must be edible and must relate to a book in some fashion. For example, entries may look like a book or book cover, may refer to a character, or may play off a title or quote in a book.

Bakers should call 309-732-7330 by Wednesday, Feb. 13 to indicate that they will enter the contest. Completed works of edible book art should arrive at the library by 11:00 am on Saturday. Each item should be accompanied by an information card listing the title of the entry, the name of the book it is based on, author and creator's name.  Prize in each category is a gift card to a cooking store.

Participation in the contest is not required to attend the event. Volunteer judges will be drawn from the list of attendees, with voting starting at 11:30 am. The event is open to the public.

 

Getting Started with Downloading eBooks

6:00 pm, Tuesday, Feb. 19, Rock Island Southwest Branch, 9010 Ridgewood Road

2:30 pm, Thursday, Feb. 28, Main Library, 401 19th Street

Participants will learn how to use a library card and the OverDrive digital media service to check out eBooks and eAudiobooks to read and listen to on a wide variety of portable devices, including Android and Nook Color tablet, iPads and iPhones, computers, iPods and Mp3 players, Kindle, NOOK, Sony, and Kobo eReaders. The same content is presented at both sessions.

 

Getting Started with Email

2:30 pm, Thursday, February 21, Main Library, 401 19th Street

 

Attendees will learn how to create and use an email account, or become more comfortable with one they already have. Enrollment for this class is open from Feb. 5 to Feb. 16, with limited slots available. Registration is required to attend: Call 309-732-7341 on or after Feb. 5 to sign up.

 

The program is free and open to the public. For more news about Rock Island Public Library events, visit www.rockislandlibrary.org, call 309-732-7323 (READ) or follow the Rock Island Library on Facebook and Twitter. A monthly calendar of library events is available online and at Rock Island Library locations.

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Washington, D.C. - Congressman Dave Loebsack released the following statement after Sen. Tom Harkin announced he would not seek reelection in 2014.

 

"Senator Harkin's tireless work has improved the well-being of Iowans for more than a generation. Senator Harkin has had a direct impact on the everyday lives of people all across the nation and the globe, not just in Iowa.  From his advocacy to improving the lives of people with disabilities, to rewriting the way farmers conserve and protect their land to standing up for human rights, he has been a true leader and statesman.  He has truly given a voice to those who are often not heard, rather than serving as a mouthpiece for the powerful and connected.

 

"His knowledge, compassion and fight cannot be replaced.  He has long been my political hero and I have been honored to serve with him these past six years.  Terry and I wish Tom and Ruth health, happiness and success in all their future endeavors."

 

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Democratic U.S. Senator from Iowa, Tom Harkin just announced he will not be seeking re-election 2014.

The story is already a national headline with Iowa once again jumping onto the front page of the national news.

I've spent the day talking with dozens of media, who all want to know, "Can the Republican Party actually win this seat?"

There's been no hesitation on my part. "Yes, the Republican Party can, and with enough hard-work, I'm confident we will!"

But we need your help.

That's why I'm calling on dedicated Republicans across Iowa to help the Iowa GOP kick off this race.

With this issue so hot in the media right now, will you help us kick off our efforts with a contribution of $50, $35, or $25?

Or will you donate just $20.14 to help our 2014 efforts?

So many in the mainstream media had written off Iowa, claiming it was a "Safe Democrat Seat."

But that only shows they've underestimated the dedication and hard-work of Iowa Republicans.

The mistake of the political establishment will be to the gain of grassroots Republicans all across our state.

That's why I'm calling on Republicans all across Iowa for an immediate fundraising push to start planning to win the U.S. Senate in 2014.

Will you help the Republican Party win this U.S. Senate seat with a contribution of $50, $35, $25 or even $20.14?

With 20 of the 33 U.S. Senate seats up in 2014 held by Democrats, there is a great opportunity for the GOP to take back the Senate

Let's do our part in Iowa.

Help us begin an immediate push to turn Iowa red with a contribution today.

---

AJ Spiker
Chairman

P.S.

The retirement of Senator Tom Harkin just reinforces our belief that a grassroots Republican comeback can take place in 2014. Let's have it start in Iowa.
Thanks Iowans for dedication during his nearly 40 years in public service

Outlines full HELP Committee agenda for next two years

CUMMING, Iowa - Senator Tom Harkin (D-IA) today issued the following statement on his plans for the future, including his decision not to seek reelection for his U.S. Senate term expiring in 2014.  In doing so, he thanked Iowans for their dedication over the course of his career in public service and outlined his agenda for the HELP Committee over the next two years:

"I have been thinking hard about the decision whether to run for a sixth term in the United States Senate for a number of months - even more these last few weeks.  I've reached a decision, and what I've decided really boils down to two things," said Harkin. "First, I'm going to fulfill a promise that I made to my wife Ruth, and that I also made to myself.  It's a promise that we're going to do certain things together - and that we're going to live together in a way we've often talked about - before it gets too late.  That's a decision I believe many Iowans can relate to, either because of their own circumstances, or perhaps those of their parents.  I have the privilege to be able to make this decision on my own terms, which not everyone can, and I'm deeply grateful to the people of Iowa that I do have that opportunity.  I've been extremely fortunate. I was born here in Cumming in modest circumstances. My father was a coal-miner with just an 8th-grade education. My mother arrived to this country as an immigrant with virtually no earthly possessions. This state and this country have allowed me to enjoy a life and career beyond anything I imagined as a boy or young man.

"Second, I'm 73 years old right now.  At the end of this term I'll be 75.  When the current Congress is over, I will have served in the United States House of Representatives and the U.S. Senate for a total of 40 years.  After 40 years, I just feel it's somebody else's turn.  I can't put into words what an honor it is to serve Iowa.  And I don't by any means plan to retire completely from public life at the end of this Congress.  But I am going to make way for someone new in this Senate seat.  I think that is right not just for me, but for Iowa, as well."

In announcing his plans, Harkin said that over the next two years in Congress, he would continue to advance a policy agenda that benefits Iowa.  Among his priorities:

• Moving forward with bills to ensure that all Americans are able to achieve the promise of a quality education - beginning in early childhood, continuing through elementary and high school, and culminating with higher education. 
• Working to significantly increase the employment of individuals with disabilities, in order to continue to fulfill the promise of the Americans with Disabilities Act.
• Advancing his proposal of a new type of pension plan, the USA Retirement Fund, to provide Americans with a secure source of retirement income for life. 
• Ensuring the successful implementation of the Affordable Care Act.

As an appropriator and as chair of the Appropriations subcommittee that funds health, education, and labor, Harkin would ensure these initiatives have the funding necessary for implementation.  So too would he continue to advance farm policy that improves, and strengthens a number of initiatives that we included in previous farm bills to assist and promote opportunities for farmers and good nutrition for consumers through farmers markets and increased local production and marketing of food.

"More than 40 years ago, I came to Washington with a simple goal: help people.  It was that goal that has inspired me throughout my career and one that will continue to inspire my work.  Iowans entrusted me with a great responsibility when they first elected me to public office in 1974.  It is a responsibility I have never forgotten as I represented them in both the U.S. House and U.S. Senate," Harkin concluded.

Tom Harkin has represented Iowa in Congress for 38 years.  First winning election to the U.S. House in 1974, he represented Iowa's Fifth Congressional District until 1984, when he challenged an incumbent Senator and won.  Iowans returned him to the Senate in 1990, 1996, 2002 and 2008.  He is the first Iowa Democrat to win as many consecutives terms in the U.S. Senate.

Harkin has a lengthy record of achievements, among the highlights of his career:

• Advancing the Rights of Individuals with Disabilities;
• Strengthening the Middle Class through Health, Education, and Retirement Security Policies and Investments;
• Promoting a Strong Agriculture Economy, Sound Conservation, and Renewable Energy;
• Protecting Human Rights and Combatting the Worst Forms of Child Labor;
• Providing Funding to Maintain Modern Schools & Access to Healthier Communities;
• Ensuring Iowans have access to Disaster Relief and Flood Prevention and Mitigation;
• In Iowa, his office holds a record of strong constituent services, having logged its 100,000th constituent case earlier this year.


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Dubuque, Iowa - Katelyn M. Shima of Davenport was named to the Dean's List at Clarke University for the fall 2012 semester. The list recognizes full-time Clarke students who have earned a 3.65 grade point average or above, on a 4.0 scale, with a minimum of 12 graded hours.

Clarke University is a Catholic, liberal arts and sciences university dedicated to preparing students to make an impact. Known for superb teaching and academics, Clarke offers more than 40 undergraduate liberal arts and pre-professional programs and five graduate degree programs. Founded in 1843 by the Sisters of Charity of the Blessed Virgin Mary, Clarke is located near the Mississippi River in Dubuque, Iowa. Clarke's 55-acre campus is a blend of historic buildings and new, state-of-the-art facilities.
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Monday, January 28, 2013 - Noon 

Colonel Davenport Room, River Center South, Second Floor Davenport, Iowa 

I. Welcome 

II. January 17 Minutes 

III. Old Business 

a. Directors & Officers Liability Insurance 

b. Casino Developer / Operator Proposal Review Status 

c. DCIC / RDA Agreement Status 

IV. New Business 

a. Status of DCIC / City Agreement 

b. Casino Developer / Operator Proposal Recommendation                  

Discussion & Potential Vote 

V. Public Questions  

VI. Adjourn

Davenport, IA- The German American Heritage Center will be celebrating its new exhibit,Vintage Vows &Veils, with a mock wedding ceremony in German! Hear the ceremony as nativeGermans or immigrants might have experienced it. Come and learn about traditional Germanceremonies, enjoy wedding cake, and see the beautiful new exhibit. As another feature, we willhave a pastor on hand to bless your family Bible. Make your family heirloom even more specialto pass down to your loved ones. The program begins at 2pm, but stop in starting at noon toenjoy the exhibitions. Admission is $5 Adults, $4 Seniors, and $3 Children 5-17. Members arefree. For more information visit www.gahc.org or call Kelly at 563-322-8844.The German American Heritage Center is located at 712 W 2nd St. Davenport, IA, right off thebase of the Centennial Bridge.

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