Iowa AFL-CIO President Ken Sagar made the following statement after the release of the Trans-Pacific Partnership (TPP) text:

 

For years, this trade deal has been negotiated in secret, finally today the public will have a chance to see the text of the Trans-Pacific Partnership (TPP). Working people will be able to see for themselves if this deal benefits America's working families over profit driven corporations.

Despite suggestions from the faith community, environmentalists, labor and many others, to date, there's no indication that improvements have been made to address labor standards, environmental protections or provisions that give corporations incentives to relocate American jobs to low-wage countries.

We will examine the text to see if enforceable currency rules exist, whether many Buy American & Buy Local policies are waived, and if the deal will raise the price of life-saving medicines. If these issues are not addressed, the AFL-CIO as the voice of organized working people in Iowa cannot support this agreement.

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WHAT:     To honor those who have served our country, Jiffy Lube will offer a 50% discount on its automotive services to veterans as well as active military.  Please show your military identification to receive the discount.

WHEN:     Wednesday, November 11, 2015 (Veterans Day)

8 a.m. - 7 p.m.

WHERE:    Jiffy Lube

3430 Elmore Avenue

Davenport


Jiffy Lube

2777 18th Street

Bettendorf

 

 


About Jiffy Lube
Jiffy Lube International, Inc. ("Jiffy Lube"), with more than 2,000 franchised service centers in North America, serves approximately 21 million customers each year. Jiffy Lube pioneered the fast oil change industry in 1979 by establishing the first drive-through service bay, providing customers with fast, professional service for their vehicles. Headquartered in Houston, Jiffy Lube is a wholly owned, indirect subsidiary of Shell Oil Company. Visit www.JiffyLube.com to learn more about Jiffy Lube and vehicle care.

# # #
Moody's Investor Services Upgrades Scott County to Aa1, second highest rating possible

NOVEMBER 4, 2015

DAVENPORT - On Monday November 2nd, 2015, Moody's Investor Services upgraded Scott County, Iowa's general obligation credit rating from Aa2 to Aa1, the second highest rating possible. The rating upgrade will allow the County to obtain lower interest rates on bond issuances and save taxpayers money.

"This is a major milestone for Scott County and continued validation of the progress we have made in strengthening the County's finances over the last seven years," said Tom Sunderbruch, Board of Supervisors chair.

Scott County requested the rating review from Moody's as part of a bond financing to expand the current recycling center and equip it to allow for single stream collection on behalf of the Waste Commission of Scott County. The higher credit rating is expected to save the Waste Commission approximately $150,000 in interest cost over the life of the bonds, according to Springsted Incorporated, the County's Municipal Advisor on the bond issuance.

Moody's cited a number of factors for the credit rating upgrade in its report, including:

• Healthy financial operations and demonstrated ability to adjust operations to meet budgetary constraints.

• Modest debt levels that are expected to continue given an accumulation of designated reserves for future capital projects.

• Proactive management practices and annual budgets that are consistently balanced or produce a positive balance.

"Credit rating upgrades have been extremely rare both in Iowa and across the Country as local governments have struggled through the Great Recession and the slow recovery. The fact that Scott County was able to strengthen its finances during that period is very impressive and something they should be very proud of," said Doug Green with Springsted Incorporated.

Thirty-six counties in Iowa currently have credit ratings with Moody's. Scott County joins Story County and Dallas County as the only other counties in the state with Aa1 credit ratings. Only two counties in the state - Polk and Linn - are rated higher with an Aaa rating by Moody's.

For more information on this press release, please contact:

Dee Bruemmer, County Administrator
Scott County Administration Office
600 W. 4th St.
Davenport, IA 52801
563-326-8702

Prepared Floor Statement of Senator Chuck Grassley of Iowa

Chairman, Senate Judiciary Committee

Inspector General Empowerment Act of 2015

Wednesday, November 4, 2015

Americans have a right to know when our government is misbehaving or wasting taxpayer dollars.  To ensure accountability and transparency in government, Congress created Inspectors General?or IGs?as our eyes and ears within the executive branch.

These independent watchdogs are uniquely positioned to help Congress and the public fight waste, fraud, and abuse in government.

But IGs cannot do their job without timely and independent access to all agency records.  Agencies cannot be trusted to restrict the flow of potentially embarrassing documents to the IGs who oversee them.  Watchdogs need access to those documents to do their job.

They are mandated by law to keep Congress fully informed of problems like waste, fraud, and abuse.

If the agencies can keep IG's in the dark, then this Congress will be kept in the dark, too.  If given the chance, agencies will almost always choose to hide their problems from scrutiny.  In other words, the public's business that ought to be public isn't always public.

So, when Congress passed the Inspector General Act in 1978, we explicitly said that IGs should have access to ALL agency records.

If the Inspector General deems a document necessary to do his job, then the agency should turn it over immediately.

Inspectors General are designed to be independent, but also to be part of the agency.  They're inside so they can see what goes on in the agency.  They are there to help agency leadership identify and correct waste, fraud, and abuse.  Fights between an agency and its own inspector general over access to documents are a waste of time and money.  The law requires that inspectors general have access to ALL agency records precisely to avoid these costly and time-consuming disputes.

However, since 2010, a handful of agencies, led by the FBI, has refused to comply with this legal obligation.  Agencies started to withhold documents and argued that IGs are not entitled to "all records," even though that's exactly what the law says.

The law was written this way to ensure that agencies cannot pick and choose when to cooperate with IGs and when to withhold records.  Unfortunately, that is precisely what several agencies started doing.

The Justice Department claimed that the Inspector General could not access certain records until Department leadership gave them permission.  Requiring prior approval from agency leadership for access to agency information undermines inspector general independence.

That is bad enough, but it also causes wasteful delays.

It effectively thwarts inspector general oversight.

This is exactly the opposite of the way the law is supposed to work.

After this access problem came to light, Congress took action.

The 2015 Department of Justice Appropriations Act declares that no funds should be used to deny the Inspector General timely access to all records.  The new law also directed the Inspector General to report to Congress within five days whenever there was a failure to comply with this requirement.  In February alone, the Justice Department's IG notified Congress of three separate occasions in which the FBI failed to provide access to records requested for oversight investigations.  IGs for the Environmental Protection Agency, the Department of Commerce and the Peace Corps have experienced similar stonewalling.

Then, in July, the Justice Department's Office of Legal Counsel released a memo arguing that we did not really mean "all records" when we put those words in the statute.

Let me be clear, we meant what we said in the IG Act:  ALL records really means ALL records.

 

In early August, I chaired a hearing on this opinion and the devastating impact it is already having on the work of inspectors general across government.  Multiple witnesses described how the opinion hand-cuffs inspectors general and brings their important work to a virtual standstill.  In fact, the Internal Revenue Service had already cited the misguided Office of Legal Counsel opinion in order to justify stiff-arming its IG from accessing certain records.  Even the Justice Department witness disagreed with the results of the Office of Legal Counsel opinion and supported legislative action to solve the problem.

So, following the hearing, 11 of my colleagues and I sent a bipartisan, bicameral letter to the Department of Justice and the Inspector General community.  In this letter, the Chair and Ranking Members of the Committees of jurisdiction in both the House and Senate asked for specific legislative language to re-affirm that "all" means "all," for all Inspectors General.

It took the Justice Department 3 months to respond to this letter.  And the language that it provided fails to address the negative effects the Office of Legal Counsel opinion is already having on the ability of IGs to access their agency's records, across government.  However, the Inspector General community responded to our letter within 2 weeks and provided language that is actually responsive to our request.

In September, a bipartisan group of senators and I incorporated the core of this language in S.579, the Inspector General Empowerment Act of 2015.  Specifically, I was joined in this effort by 11 other members, including Senators McCaskill, Carper, Baldwin, and Mikulski.

Senator Mikulski serves as the vice chair of both the Appropriations Committee and the Subcommittee which has jurisdiction over appropriations for the Justice Department.  She and Chairman Shelby were the authors of the appropriations rider that I spoke about a few moments ago.

In July, one week after the Office of Legal Counsel issued its awful legal opinion, Senators Mikulski and Shelby sent a letter to the Justice Department correcting OLC's misreading of that appropriations rider, also known as Section 218.

Let me just read a few excerpts from that letter:

"We write to inform you that OLC's interpretation of Section 218 - and the subsequent conclusion of our Committee's intention - is wrong.

"Surmising that multiple interpretations of section 218 created uncertainty, OLC chose one of the three rationales that most suited its own decision to withhold information from the OIG.

"This conclusion was not consistent with the Committee's intentions at all. Rather, the Committee had only one goal in drafting section 218 . . . . to improve OIG access to Department documents and information.

"We expect the Department and all of its agencies to fully comply with section 218, and to provide the OIG with full and immediate access to all records, documents and other material in accordance with section 6(a) of the Inspector General Act."

I applaud my colleagues on the Appropriations Committee for standing up for Inspectors General, and I applaud my colleagues who have joined me on this bill.  I especially want to thank Senators Johnson and McCaskill for working with me on this legislation from the very beginning and for their work in getting this bill through committee.

Apparently, the plain language of the IG Act and the 2015 appropriations rider was not clear enough for the Office of Legal Counsel to understand.

So, the Inspector General Empowerment Act includes further clarification that Congress intended IGs to access ALL agency records, notwithstanding any other provision of law, unless other laws specifically state that IGs are not to receive such access.

This "notwithstanding any other provision of law" language is what the Office of Legal Counsel opinion indicates would be necessary before the OLC would believe that Congress really means to ensure access to "all records."

But, overturning an Office of Legal Counsel opinion that was roundly criticized by both sides of the aisle is just the beginning.

In addition, the legislation also bolsters IG independence by preventing agency heads from placing them on arbitrary and indefinite administrative leave.

The bill would also promote greater transparency by requiring IGs to post more of their reports online.

And the bill would increase accountability by equipping IGs with tools to require testimony from contractors, grantees, and former employees who have retired from the government, often while under investigation by the IG.

So, in September, we attempted to pass this bill via unanimous consent.  It has been more than a month since leadership asked whether any Senator would object.  Not one Senator has put a statement in the record or come to the floor to object publicly.

At the August Judiciary Committee hearing there was a clear consensus that Congress needed to act legislatively and needed to overturn the Office of Legal Counsel opinion as quickly as possible.

Senator Cornyn noted that the OLC opinion is "ignoring the mandate of Congress" and undermining the oversight authority that Congress has under the constitution.

Senator Leahy said that this access problem is "blocking what was once a free flow of information" and called for a permanent legislative solution.

And, Senator Tillis stated that that the need to fix this access problem was "a blinding flash of the obvious" and that "we all seem to be in violent agreement that we need to correct this."

However, some have raised concerns about guaranteeing IG access to certain national security information.

Let me explain why this bill should not be held up for that reason.

First, this bill is co-sponsored by a bipartisan group of senators, including Democrats and Republicans on the Intelligence Committee, such as Senators Mikulski, Lankford, and Collins.

Second, the Inspector General of the Intelligence Community supports the bill.

Third, the bill would not affect intelligence agencies under Title 50, such as the CIA or the Office of the Director of National Intelligence.

Fourth, the executive orders restricting and controlling classified information are issued under the President's constitutional authority.  The bill does not attempt to limit that constitutional authority at all.  It just clarifies that no law can prevent an IG from obtaining documents from the agency it oversees unless the statute explicitly states that IG access should be restricted.  No one thinks this statute could supersede the President's constitutional authority.

Fifth, there is already a provision in the law that allows the Secretary of Defense and the Director of National Intelligence to halt an Inspector General review to protect vital national security interests.  Nothing in the bill would change that already-existing carve-out for the intelligence community.

All IGs should have the same level of access to records that their agencies have.   And, all IGs are subject to the same restrictions and penalties for disclosure of classified information.

No inspector general's office has ever violated those restrictions; they have an unblemished record of protecting national security information.

If there are changes that can be made to the bill so that it can pass by unanimous consent, I am ready to get it done.  However, any changes or carve-outs for the intelligence community should not impact other IGs.

The point of the bill is to overturn the Office of Legal Counsel opinion and restore complete, timely, and independent access for IGs to agency records.

So, that goal must be preserved.

We all lose when Inspectors General are delayed or prevented in doing their work.  And every day that goes by without a fix is another day that watchdogs across the government can be stonewalled.

So, I urge my colleagues to support this bill.

Finally, I want to submit for the record letters that I mentioned earlier, and letters I've received from the inspector general community, and also an editorial that was recently published by the Washington Post in support of this bill.

I yield the floor.

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(DES MOINES)  - Gov. Terry E. Branstad announced today that he will be visiting GE's West Burlington manufacturing facility to join GE executives ? including Stephanie Mains, the newly appointed CEO of the company's Industrial Solutions business ? as they share updates on the future of the West Burlington manufacturing facility.

In addition, media attendees will have the opportunity to speak with GE's Stephanie Mains and Stuart Thompson, general manager of Power Equipment for GE's Industrial Solutions business, about the news and GE's exciting plans for the plant.

 

WHEN:                 Thursday, November 4, 2015

11 a.m. - 12:30 p.m.

  • 11 - 11:30 a.m.: GE executives and Governor Branstad discuss future of West Burlington facility.
  • 11:30 a.m. - noon:  Plant tours available for Governor Branstad, media and special guests. There will also be time for media to speak with GE executives.
  • 11:30 a.m.: Begin serving lunch for employees and invited guests.

 

There will be opportunities to capture photos and video at the event.

 

WHO: The following individuals will be making remarks at the event:

  • Governor Terry E. Branstad
  • Stephanie Mains, CEO, GE's Industrial Solutions business
  • Stuart Thompson, general manager?Power Equipment, GE's Industrial Solutions business
  • Scott Ganschow, plant manager at GE's West Burlington facility

 

WHERE:               GE's West Burlington Facility

510 E Agency Road

West Burlington, Iowa 52655

 

RSVP TO: Gia Oei                               
Communications Executive
Industrial Solutions

T: (860) 747 7626

M: (860) 709 2341
gia.oei@ge.com

New findings from an international team of researchers suggest business leaders who oversee teams need to find a middle ground in how they treat team members - or risk hurting team performance. Specifically, the researchers found that treating some team members much better than others can adversely affect performance - as can treating all team members the same way.

"Existing research has generally shown that leaders treating team members differently, depending on factors such as how competent they believe each member is, can result in productive teams," says Bradley Kirkman, co-author of a paper on the work, General Hugh Shelton Distinguished Professor of Leadership and head of the Department of Management, Innovation and Entrepreneurship in North Carolina State University's Poole College of Management. "In fact, previous research points to a linear relationship between treating team members differently and team performance. But we didn't find that to be true.

"Instead, we found that leaders can go too far. If a leader treats team members too differently from each other, performance suffers," Kirkman says. "The relationship between 'differentiation' and team performance is more of a bell curve than a straight line."

The work was done by researchers from NC State, the University of Science and Technology in Beijing, Peking University and the University of Iowa.

For the study, the researchers evaluated differential treatment by team leaders of 145 teams in three Chinese companies: a pharmaceutical company, a telecommunications company and a manufacturing company. Team performance was assessed via a survey of the team leaders, focusing on issues such as the quality and efficiency of each team's work and the team's ability to meet deadlines and stay on budget.

The differential treatment was measured using the "LMX7" scale, which assesses the relationship quality between team leaders and team members. The focus of the LMX7 scale is on issues such as working relationships, rather than tangible rewards such as salaries.

"We found an upper limit to how far leaders should go in treating their team members differently," Kirkman says. "If leaders go too far with this behavior, leaders will end up with teams composed of basically two subgroups - the ingroup and the outgroup. And we know that the outgroup will not be happy about this and will start to slack off, withdraw from participating, and even go so far as to be disruptive to the ingroup team members. But treating all team members the same also hurts performance. Leaders need to find a middle ground, or moderate level of differentiation.

"In practice, leaders should not treat all members the same - there needs to be some differentiation based on competence and ability - but they also need to avoid engaging in extreme preferential treatment," Kirkman says.

The researchers also found two factors that influenced how much differential treatment a team could withstand before adversely affecting performance. First, larger teams - such as those with 10 or more members - could withstand more differentiation.

"This is because larger teams have greater needs for coordination and integration and putting more resources towards more capable members actually helps these processes get accomplished," Kirkman says.

The second factor is the "power distance orientation" of the team. Power distance orientation is an evaluation of how accepting a given culture is of power differences between individuals and the social importance of hierarchy.

"A team whose members are in higher power distance countries, such as India, will likely react less negatively to differential treatment than a team in a lower power distance country, such as Australia or Israel," Kirkman says. "Teams in lower power distance countries may simply reject this sort of differential treatment."

The paper, "Understanding the Curvilinear Relationships between LMX Differentiation and Team Coordination and Performance," is published online in the journal Personnel Psychology. Lead author of the paper is Yang Sui, of the University of Science and Technology. The paper was co-authored by Kirkman, Hui Wang of Peking University and Ning Li of the University of Iowa. The research was supported by the National Natural Science Foundation of China.

Kent will succeed current Chairman John May of Deere & Company

DES MOINES, Iowa (November 4, 2015) – The Cultivation Corridor Board of Directors have unanimously voted Gage A. Kent of Kent Corporation as the economic development organization's next chairman.

Kent will be the Cultivation Corridor's second chairman, succeeding John May of Deere & Company, who has served as the Corridor's chairman since 2014. In addition to being a founding member of the Cultivation Corridor, Kent has significant experience in agribusiness as the CEO of Muscatine, Iowa's Kent Corporation, which is the parent corporation to Grain Processing Corporation; Kent Nutrition Group, Inc. and Precision Foods, Inc. Kent has held numerous positions in each subsidiary throughout his nearly three-decade career with the company.

Kent also serves on the Board of Directors for Simpson College and the Iowa Business Council, and is a member and former Chair of the Board for the Iowa College Foundation and a director of Iowa State University Foundation's Board of Governors. Kent is also a member of the Iowa Association of Business and Industry.

Regarding his recent appointment, Kent said, "I'm privileged to succeed John [May] as the Corridor's next Chairman," Kent said. "His leadership of the Corridor board during the crucial early years of the organization have been integral to creating broad opportunity to scale and capitalize on our mission. The Corridor's work to firmly establish Iowa as the pre-eminent destination for investment, talent and research in value-added agriculture is integral to the future growth of our state's economy and role in the world. I am excited to contribute leadership to the mission."

John May endorsed Kent's new role in leading the initiative into the future: "The Corridor is tremendously fortunate to have Gage as its next board leader," he said. "His leadership of one of Iowa's largest and most important value-added agricultural enterprises makes him an excellent choice to lead the Corridor through its next phase of growth. I can't think of a better-qualified and more respected leader to help move the Corridor's mission forward."

Kent's term as Chairman of the Board will begin July 1, 2016.

About the Cultivation Corridor

Iowa's Cultivation Corridor is an economic development and innovation acceleration organization focused on growing the agbioscience and agtechnology industries in Central Iowa. With offices in Des Moines and Ames, the Corridor oversees national and international marketing; business attraction, retention and expansion; and capacity-building programming designed to draw value-added agricultural investment, talent and research to Iowa. The Corridor leverages one of the world's strongest concentrations of private sector investment, a globally-competitive talent network and Iowa State University's status as a leading agricultural research institution to promote the growth of the value-added ag economy in Iowa.

The Corridor is a public-private strategic partnership overseen by a statewide CEO-level board with stakeholders including Iowa State University, the Iowa Economic Development Authority, Greater Des Moines Partnership, Ames Economic Development Commission and private-sector companies.

For more information, visit www.cultivationcorridor.org.
Davenport, IA - (November 3, 2015) Hupy and Abraham, S.C., P.C., personal injury law firm, has announced Attorney John Simmons as a new addition to the firm in its Quad Cities office.

Prior to joining Hupy and Abraham, Attorney Simmons successfully arbitrated numerous cases as an associate attorney in Illinois.  He was primarily responsible for several workers compensation cases and other personal injury practice areas. At Hupy and Abraham, Attorney Simmons will be representing clients in various personal injury fields.

Attorney Simmons earned his Juris Doctorate from the University of Illinois College of Law in 2006. During his time at the university, he was awarded best oralist and best brief in the Intellectual Property Moot Court Competition. Attorney Simmons is licensed to practice in the states of Illinois and Iowa.

 

Hupy and Abraham, S.C., P.C.

Founded in 1969 in Milwaukee, Wisconsin, personal injury law firm Hupy and Abraham, S.C. has a proven record of success with large settlements in serious cases, collecting $100s of millions for more than 60,000 satisfied clients.  The firm has a long-established reputation of providing sound legal representation to accident victims, securing fair compensation for its clients and giving back to the community.

With 11 offices located in Wisconsin, Illinois and Iowa, the law firm handles personal injury cases including car accidents, motorcycle accidents, wrongful death, pharmaceutical and medical device class actions and nursing home neglect and abuse cases.

The firm's 24 experienced attorneys are committed to going above and beyond the call of duty for their clients by tirelessly representing them to the best of their ability while being involved in the local community ? from raising funds for local charities to participating in safety and accident prevention initiatives.  In the past three years, the firm has donated more than $500,000 to more than 100 worthwhile causes.

 

Hupy and Abraham, S.C. has received top ratings from a number of national professional organizations for many years and was voted Best Personal Injury Lawyers in 2014, 2013, 2012 and 2011 and voted Best Personal Injury Law Firm in 2014, 2013 and 2012 in another popular poll, and named Best Law Firm in the Milwaukee Journal Sentinel's 2015 Top Choice Award. In 2015, the firm was named a Webby Award Honoree in the Best Law Website Category and was honored at the Legal Marketing Association's "Your Honor Awards" for Best Website: Reboot.

(DES MOINES) -Gov. Terry Branstad announced today that Ron Hansen of Durant, Iowa, will serve as Superintendent of the Iowa Division of Banking beginning on November 16, 2015.  Hansen is the Chairman and CEO of Liberty Trust & Savings Bank.

"Today, I'm pleased to announce that Ron Hansen will serve as Superintendent of the Iowa Division of Banking," said Branstad. "I am confident that Ron's background, expertise and experience within the Iowa Bankers Association and Liberty Trust and Savings Bank will serve Iowans well."

The Iowa Division of Banking works to protect the interests of those who interact with banks and financial service providers to ensure that all laws and regulations are followed. The department works to maintain a healthy and prosperous regulatory environment to allow Iowa citizens safe and stable banking.

"I am honored to have been selected by Gov. Branstad to serve as Superintendent of the Iowa Division of Banking," said Hansen.  "The division and previous superintendents have a long history of promoting a healthy financial climate contributing to the success of Iowa's citizens, communities and the banking industry.  I look forward to continuing that tradition."

Hansen has been active in the Iowa Bankers Association for the past nineteen years serving as a Board Member, Treasurer and the Chairman from September 2011 to September 2012. Hansen has also been active in the American Bankers Association (ABA) serving currently on the ABA Membership Council as well as having served on the Government Relations Council Administrative Committee, Community Bankers Council and the Federal Home Loan Bank Administrative Committee.

Hansen is a native of Durant, Iowa, where he is actively involved in the community having served in various capacities with Durant Chamber of Commerce, Durant Development Corporation, Durant Ambulance Service and Durant Jaycees as well as having served on various committees within the Durant Community School District.

Hansen is a graduate of Arizona State University where he received his Bachelor of Science degree in Finance, and is a graduate of the Graduate School of Banking at Colorado. Ron and his wife Kristy, live in Durant. They have three grown children, Brett, Samuel and Henry.

Hansen's appointment is subject to confirmation by the Iowa senate.

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By Nathaniel Sillin

Already dreading what you'll spend this holiday season? It doesn't have to be that way.

Gifts aren't the only budget-busting culprit during the holidays. The weeks between Thanksgiving and New Year's are also a peak time for spending on groceries, travel, events, entertainment, energy, clothes and meals out.

Financial advisors recommend you use no more than 1.5 percent of your annual income on holiday spending (http://www.practicalmoneyskills.com/holiday), so consider the following suggestions to keep it under control:

Start with a list and make a budget. Begin your planning by listing every possible holiday expense you'll face - and don't stop at gifts. Consult the Practical Money Skills for Life comprehensive holiday budget planner (http://www.practicalmoneyskills.com/yourholidaybudget) to help organize your information and track your spending.

Be open about money trouble. If you are facing financial difficulties during the holiday season, don't spend to hide the problem. Don't be ashamed to make adjustments and tell friends and family members that you'd like to temporarily downsize your spending until conditions improve. They might actually appreciate a spending reprieve, too.

Build a bargain-hunting strike force. Let friends and family know you're looking for particular toys, gifts, foods or decorating items and volunteer to do the same for them. Save and share coupons. Encourage your group to find resources, check prices and share requests and ideas via social media. Results can come back in a matter of minutes.

Evaluate all transportation costs. Do you really need to run out of one or two items at a time? Designate certain days of the week for particular items, keep an eye out for free delivery and see if friends and family might want to share errands. Those with large vehicles or trucks can help move, deliver and even install appliances or electronics if they have the skills to do so. Smart transportation choices extend to car pools or public transportation for events and entertainment.

Leverage your creativity. If there's something you make or do really well that people love, consider making such accomplishments into gifts. From specialty food items your friends enjoy, to clothing or art, anything done well can be a gift. Don't rule out lessons or skilled labor as potential holiday gifts, particularly for relatives who can't afford such services at this time. Smart shopping for ingredients or supplies can make such creative gifts a real money saver.

Build a year-round gift stash. If there are gifts or foodstuffs you can buy on sale and keep for a while, you'll have a ready source of thank-you gifts for hosts, teachers or co-workers year-round. Set aside a similar area for cards, gift tags and wrapping paper. Also keep in mind that many retailers put holiday-themed items on sale before the holidays are finished. If you think you'll need these items next year, grab your coupons, take advantage and put those items aside for future gift giving.

Late saving for gifts? Do it anyway. If you don't have a holiday fund set up, don't let that keep you from starting one. Every little bit helps. Take 5-10 percent of your next paycheck and set it aside, doing it each week throughout the holidays. If you keep it up, your holiday fund can eventually become an emergency fund to be used for other savings goals, including retirement.

Take notes for next holiday season. Create a paper or digital file where you can collect ideas for next year. Check print and online resources like Consumer Reports for items that can be bought at specific times of the year at a discount so you are able to hide them for the holidays - but remember where you hid them.

Bottom line: Keeping holidays affordable isn't a challenge when you're willing to do a little planning, idea-sharing and record-keeping. Make it an activity you can do year-round.

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