By Nathaniel Sillin

Does your college-bound freshman know how to handle money at school?

Campus life can test even the most disciplined young adults on money matters. In the final weeks before you help your student pack up for the dorm, it's a good time to pack in some money lessons as well.

Start with what college will cost. On average, the Class of 2015 graduated with a little over $35,000 in student loan debt, according to Edvisors (http://blogs.wsj.com/economics/2015/05/08/congratulations-class-of-2015-youre-the-most-indebted-ever-for-now/). Depending on your financial situation and how you've planned for your child's college education, start with an overview of how your student's college costs will impact your finances now and after graduation.

If your child will be paying off personal or student loans once they graduate, discuss how that reality should define financial choices throughout college. That doesn't mean saving every penny and having no fun at all, but such a talk should reinforce how handling money intelligently, setting priorities and getting a jump on savings can position your child for a much stronger financial start upon graduation.

Train them to budget. If your child hasn't learned budgeting skills (http://www.practicalmoneyskills.com/budgeting),it's time for a crash course. Budgeting is the first essential skill in personal finance. Teaching children to budget now gives them a head start on dealing with post-graduation debt or long-term goals like affording a home or car. Because teens often live their lives on smartphones, familiarize yourself with the growing range of budgeting apps (http://www.usatoday.com/story/money/2015/04/27/budgeting-apps-affect-spending-habits/26190991/) to keep their money management on course.

Talk through on-campus banking and credit needs. Many parents start their kids with custodial savings and checking accounts at their local bank when they are younger. If your bank has branches in the teen's college town, that relationship can easily continue. Responsible credit card use is also wise to start in college. Keep in mind that The Credit Card Accountability, Responsibility and Disclosure (or Credit CARD) Act of 2009 requires that anyone under 21 without independent income have a co-signer to qualify for a card. As such, you'll be able to keep track of your child's credit use. However, if they default, you'll be on the hook - so monitor your child's bank and credit relationships closely until you agree they're ready to manage them on their own.

Cover credit monitoring and identity theft. With smarter online thieves emerging every day, your child is at risk of identity theft from the minute he or she is assigned a Social Security number. While most teens generally don't have a credit report until they start earning a paycheck at age 16, be on the lookout for fraudulent activity earlier (http://www.consumer.ftc.gov/articles/0040-child-identity-theft) and make sure they get in the habit of ordering the three free credit reports (https://www.annualcreditreport.com/index.action) they are entitled to each year. Throughout college, consider sitting down with children so you can review their annual credit reports together.

Bottom line: There's plenty to do in the final weeks before your kids leave for college. Don't forget to reinforce important money lessons before they go.

The Rock Island County Board will review a resolution that affirms rights and protections extended to
Lesbian, Gay, Bi-sexual, and Transgendered (LGBT) county employees. The resolution was passed
by the Human Resources Committee on Thursday, July 16, 2015, and will come before the full County
board for final approval on Tuesday, July 21, 2015 at the 5:30 county board meeting.
The resolution, co-sponsored by Nick Camlin, (D) Rock Island County Board Vice-Chairman and
Drue Mielke (R), Rock Island County Board Republican Minority Caucus Leader, affirms the dignity
and respect for our county's LGBT employees. The resolution's goal is to assure that Rock Island
County extends equal benefits to all.
In bi-partisan cooperation, Mr. Camlin states "with Mr. Drue Mielke, I am happy to co-sponsor a very
important County Board Resolution that reaffirms our county's commitment to LGBT employees and
looks to the next horizon of rights and protections for all LGBT people."
Working together with Mr. Camlin, Mr. Mielke states, "I am proud to co-sponsor this bi-partisan resolution
as a Republican who recognizes and affirms the importance of individual right to self-determination, the
dignity and worth of every individual, and individual opportunity for employees of our county." Mr. Mielke
believes that this resolution is an outgrowth of our appreciation for our diverse workforce by our Rock
Island County Board.
Rock Island County has a rich history of extending respect and dignity to LGBT employees, including
benefits for same-sex couples, implementing the 2011 Civil Union law and the 2015 Marriage Equality
law, and setting policies protecting sexual orientation in the employee manual.
Rock Island County can further county employees' rights and protections by including both sexual
orientation and gender identity into county policies, expanding diversity training to include LGBT people,
and establishing a Diversity Council, ensuring that all married and civil union couples are included in
Family and Medical Leave Act provisions, and developing a procurement policy that asks businesses
with County contracts in excess of $25,000.00, to have nondiscrimination policies that include LGBT
people.
Mr. Camlin sends a clear message from the county, "If you come and work for our county, you will be
valued and you will have nothing to fear-- you can be yourself!"
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WHEREAS, the Supreme Court of the United States on Friday, June 26, 2015, ruled that there is a
constitutional right to marriage equality in all 50 states affording same-sex couples the right to engage in
civil marriage in Obergefell v. Hodges ; and
WHEREAS, other states and localities have pushed back against the ruling in order to deny rights and
protections to Lesbian, Gay, Bi-sexual, and Transgendered (LGBT) people; and
WHEREAS, our State has committed to granting rights and protections to LGBT residents, including the
2011 Civil Unions law, and the 2014 Marriage Equality law, implemented by our County Clerk; and
WHEREAS, our County wishes to reaffirm its commitment to LGBT employees; and

WHEREAS, the County has policies protecting sexual orientation, including Section 1 Hiring Practices,
Section 2 Equal Employment Opportunity, and Section 4 Anti-Harassment/Bullying in the Employee
Manual, and also extends benefits to same-sex couples, including health insurance; and
WHEREAS, the County Board wishes to express that LGBT employees are valued members of our County
departments that deserve the full rights and protections that all are endowed by their Creator with
certain unalienable Rights, that among these are Life, Liberty, and the pursuit of Happiness.
BE IT THEREFORE RESOLVED BY THE COUNTY BOARD OF ROCK ISLAND COUNTY, ILLINOIS, IN OPEN
MEETING THIS 21ST DAY OF JULY 2015, AS FOLLOWS:
That the County Board directs the Administrator and Human Resources Department to:
1. Incorporate protections for both sexual orientation and gender identity into County policies
with the upcoming revisions;
2. Expand diversity training to include LGBT people, and establish a Diversity Council;
3. Ensure that all married and civil union couples are included in FMLA provisions; and
4. Draft a procurement policy that requires contractors with County contracts in excess of
$25,000.00, to have nondiscrimination policies that include LGBT people.
ATTEST:
______________________________ ______________________________
Karen Kinney, Clerk of the Board Ken Maranda, Chairman of the Board

Des Moines, IA?Tony Roper was named Ruan's 2014 Driver of the Year Wednesday after being selected from a pool of more than 4,200 professional drivers.

Roper, who operates out of T561 in Muscatine, IA, has been with Ruan since 1991 and has logged more than 2 million miles during his 23 years as a professional truck driver.

Ruan began the search for its seventh Driver of the Year when 154 drivers from Ruan's 270 operations were named Region Finalists based on length of service, safety performance, driving records and exceptional customer service. Vice presidents of operations then narrowed the field further to 16 Region Winners, who traveled to Des Moines with a guest July 14-16 for an award ceremony and other festivities. Out of the 16 Region Winners, Ruan's senior leaders selected Roper as the 2014 Driver of the Year.

"Each of you is an outstanding performer," said Ruan President and CEO Ben McLean at the award ceremony at the World Food Prize Hall of Laureates. "You consistently exceed our safety and service standards to meet the needs of our customers. This recognition is our way of honoring your dedication, professionalism and ongoing commitment to Ruan."

Each Region Winner was awarded a trophy and cash prize at the Driver and Terminal of the Year award ceremony at the World Food Prize Hall of Laureates. Roper, who hauls for Ruan customer HNI, was honored with a trophy, a cash prize and the 2014 Driver of the Year title.

Terminal of the Year

For the second year in a row, Ruan honored a Terminal of the Year. Our field team members?terminal managers, transportation supervisors, dispatchers, professional drivers, office assistants, technicians and other personnel?all work together to safely and efficiently deliver our customers' products each and every day. The Terminal of the Year program is intended to recognize the efforts of Ruan terminal teams as they demonstrate our Guiding Principles of Safety Focus, People First, Customer Satisfaction, Exceptional Performance and Continuous Improvement.

The Neosho, MO, operation, led by Terminal Manager Ruff Yokley, was named the 2014 Terminal of the Year at the award ceremony.

The Neosho terminals, which serve several customers including Jarden Consumer Solutions, Gavilon and Marmon/Keystone, were selected based on their safety records, exceptional customer service and overall performance.

To select the terminal of the year, each of our vice presidents of operations selected a terminal in their region that performs at the highest level. That performance was based on 12 criteria ranging from safety, employee retention, customer satisfaction and financial performance. Then each Region Finalist terminal completed a comprehensive workbook that combined data and answers to open-ended questions. Our senior team then narrowed the field to three Region Winners and selected the Terminal of the Year.

"All of the 10 terminals nominated demonstrate the quality and operational excellence we aspire to have across our company," McLean said at the award ceremony.

The 2014 Terminal of the Year received a trophy, awards for all winning terminal team members and a corporate-hosted celebration at the terminal, which will take place in August.

About Ruan

Founded in 1932, Ruan is a family owned transportation management company, providing Dedicated Contract Carriage and Supply Chain Solutions to customers across the country. With more than 83 years of transportation management experience, Ruan is one of the top 10 privately owned transportation service companies in the country. Ruan endows the World Food Prize, the foremost international award recognizing excellence and progress in overcoming global food production and distribution challenges. For more information about Ruan, visit www.ruan.com.

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Appellate Court vacates previous Cook County ruling

CHICAGO - Comptroller Leslie Geissler Munger released the following statement Friday in response to the First District Appellate Court's decision to vacate the Cook County Circuit Court's order to pay certain state employees at minimum wage:

"Today's ruling removes any conflict between Court decisions and allows my office to continue paying all state employees for their work. My priority has consistently been to comply with federal mandates and do everything in my power under the law to pay workers for services they are already providing the state. Time will tell what, if any, additional Court action occurs but I remain confident that paying state employees for their work is the legal, fiscally responsible and right thing to do."

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DES MOINES, IA (07/16/2015)(readMedia)-- State Treasurer Michael L. Fitzgerald announced that, as a result of Tuesday's online auction, $100 million will be deposited in thirty-four banks across the state. The state will receive an average rate of return of 0.23% on these six-month certificates of deposit. "This was our most successful auction to date," Fitzgerald said. "This is the largest amount we have distributed at one time through this program."

Fitzgerald created the Invest in Iowa program in 1983 as a way to deposit state funds in Iowa financial institutions. The treasurer's office uses an auction format offering state deposits to Iowa banks six times a year, which allows the state to earn a competitive return on the funds while ensuring local banks have the money they need to keep the economy moving. The financial institutions hold the funds as CDs and use the money to make loans. Currently the Invest in Iowa program has over $262 million invested in Iowa banks

"Demand for funds has been great this year," Fitzgerald stated. "This is a reflection of the current market. I am glad this program is available to help facilitate lending around the state."

Invest in Iowa quarterly auctions are held on the second Tuesday of January, April, July and October. In response to growing interest in this program, two auctions offering one-year term CDs are also held throughout the year. The next auction is scheduled for August 18, 2015 at 10 a.m and will offer one-year term CDs. Each auction has an established minimum interest rate and a minimum bid. To learn more about the Invest in Iowa program, visit IowaTreasurer.gov, select "Invest in Iowa" under the "For Businesses" tab or contact the treasurer's office at 515-281-5368.

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PORT BYRON, Ill. - After a meeting with members of the Tri-County Opportunities Council, state Rep. Mike Smiddy, D-Hillsdale, is urging Governor Rauner to resume good-faith budget negotiations after 25 employees at the Council were laid off in the absence of a state budget.
"The Tri-County Opportunities Council helps countless families across the region navigate the confusing network of red tape that too often accompanies accessing critical services, and the value of these dedicated professionals to our community is immeasurable," Smiddy said. "I want everyone to recognize the value of the service these men and women provide, and work with me to craft a compassionate spending plan that ensures community action agencies like Tri-County can continue to serve the people of Illinois."
Smiddy learned of layoffs at the Tri-County Opportunities Council during a meeting with Terri Lawrence, who is the director of the organization. The Tri-County Opportunities Council serves the nine counties of Bureau, Carroll, LaSalle, Lee, Marshall, Ogle, Putnam, Stark, and Whiteside. Approximately 2,100 residents participate in the various programs the Council helps administrate, including Low Income Home Energy Assistance Program (LIHEAP), Weatherization and Housing Programs, home cooling aid and Childcare Assistance. Each of these programs has seen dramatic decreases to the state funding it depends on and has been forced to eliminate services for residents and/or lay off workers.
"These programs represent relatively small items in the state budget, but have enormous impacts on thousands of families right here in our communities," said Terri Lawrence, director of the Tri-County Opportunities Council. "It's the people most in need that are suffering from an absence of a budget and without dependable state support; we simply will not be able to give residents the service they need. I want to thank Representative Smiddy for taking the time to investigate the impacts of this funding shortage, and I urge the Governor and the General Assembly to find a way to restore these programs that are so vital to our community."
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SPRINGFIELD - Lance Trover, Director of Communications, issued the following statement:

"Speaker Madigan and the legislators he controls will leave town without a responsible, balanced budget and without any reforms while taking a pay raise for themselves. That's unfair to taxpayers and the people they represent. It is time to stop protecting the political class at the expense of the middle class.

"Everyone knows the status quo is broken and Illinois needs to change. Governor Rauner is committed to enacting a true balanced budget and real reforms to grow the economy and free up resources to protect the most vulnerable. The legislature should join the governor in committing to move the state forward."

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Striking Hy-Brand Workers Rally for "Safety Before Profits"
Milan, Illinois - A group of workers from Hy-Brand Industrial Contractors in Muscatine will travel to the Quad Cities Wednesday to send a message to company executives that it's time to address the safety hazards and abusive treatment they say they have experienced. Workers will gather with community supporters at 11:30am in front of the headquarters of their parent company Brandt Construction, located at 700 Fourth Street W in Milan, to speak out about the working conditions that led several workers to strike last week for safe jobs and respect.
Wednesday's action marks the third action workers and community supporters have taken recently to call on Hy-Brand management to meet and address workers' concerns. Last week, a delegation of religious leaders delivered a letter to the company's Muscatine office, requesting a meeting to discuss working conditions. The letter was signed by clergy from five local churches and the Center for Worker Justice of Eastern Iowa, a nonprofit worker' rights organization based in Iowa City. Later that day, several Hy-Brand workers went on strike to protest ongoing safety hazards and repeated instances of verbal and physical abuse by managers. Hy-Brand has not responded to the striking workers or the community delegation.
WHAT:Rally for Workplace Safety
WHERE: In front of Brandt Construction, 700 Fourth Street W, Milan, IL
WHEN: Wednesday, July 15 at 11:30am
WHO: Striking Hy-Brand workers and community supporters
Hy-Brand workers say they are taking a stand for each other and for their families. "I've seen too many near accidents and co-workers injured that could have been prevented," says striking worker Dakota Upshaw. Co-worker Austin Hovendon agrees, "I was worried most days that I wouldn't make it home to my wife and children because of the unsafe working conditions and the lack of training."
In just over a week, their struggle has already won the support of a broad network of groups, including rally co-sponsors Center for Worker Justice of Eastern Iowa, Ironworkers Local 111, Quad City Federation of Labor, Social Action Office of the Diocese of Davenport, Tri-City Building Trades, UFCW Local 431, and Quad Cities Interfaith.

Q: How does Social Security measure up 80 years after being signed into law?

A: Generations of Americans have been protected against poverty thanks in large measure to this social safety net signed into law 80 years ago on August 14, 1935. Without question, Social Security is tightly woven into the social fabric of America. The fundamental foundation of the program hasn't changed in the last eight decades. Payroll tax revenues are collected on wages (12.4 percent is evenly divided between employee and employer) that finance retirement and disability benefits. Any excess revenue not used to pay current benefits is invested in interest-bearing government securities. The Social Security trust funds reflect payroll taxes plus interest accrued. The 15-year bonds are managed within the U.S. Treasury. These IOUs are redeemed to pay current benefits.

Although the foundation of Social Security hasn't changed in 80 years, the nation's demographics have changed considerably. Today 58 million people collect Social Security benefits funded by payroll taxes collected from 163 million workers. In 1945, the worker to retiree ratio was 40 to 16.  That ratio has declined to fewer than three workers per beneficiary today. This downward decline presents a challenging situation to policymakers, especially considering the retirement of the baby boom population. When more people exit the workforce than enter or stay in the labor pool, benefits will outpace revenue. In 1983 policymakers took big steps to restore financial solvency to Social Security. Bipartisan reforms were put in place 35 years ago to help strengthen this retirement safety net for millions of Americans to help protect the nation's elderly from impoverishment in retirement.

As Social Security observes an 80-year milestone this summer, it has outlasted plenty of political demagoguery. Those who use the nation's public's retirement program to score political points undermine the public trust. Although plenty of myths and misunderstandings may fray the edges of the safety net, the reality is that Social Security is a social contract among Americans that was built in 1935 and intended to last for generations yet to come.

Q: What are some of the most common myths or questions you are asked about Social Security?

A: With the rapid spread of rumors that circulate on the Internet and ripple across the spectrum of social media outlets, the durability of some misunderstandings is not surprising. The one I hear quite often is posed during town meetings and call-in programs. People believe members of Congress don't pay into Social Security and ask why not. As the lead Senate author of the Congressional Accountability Act, I am a long-time champion for holding lawmakers accountable to the same workplace laws that apply to Main Street.  And the fact is that federal lawmakers do pay Social Security taxes just like everyone else covered by the program. Since the 1983 reforms, all members of Congress pay into Social Security no matter how long they have been in office.

Another common question concerns Social Security Disability Insurance (SSDI). The Social Security Administration also manages this public insurance program for workers who have a medical disability that is expected to keep them from being able to work for at least 12 months. This program has experienced dramatic growth in recent years and it has put a financial toll on the disability trust fund. Nearly nine million workers now qualify for SSDI benefits. Recipients who receive monthly cash benefits are required under federal law to meet strict eligibility standards that are medically determinable physical or mental impairments.  Iowans who have questions about eligibility requirements, backlogged applications or the appeals process often contact my office for assistance navigating red tape.

As the former chairman and a senior member of the Senate Finance Committee, which has legislative and oversight jurisdiction of Social Security, I have worked to weed out fraud in this important program to keep it intact. That includes calling attention to application fraud and backlogs that are choking the system from functioning effectively and hindering the disability insurance program from serving those it was intended to serve. Wrongdoers who game the system weaken the solvency of the cash-strapped SSDI trust fund and foster dependency at the expense of those truly in need of this lifeline.

Fostering basic income security for those who are disabled or in retirement strengthens society's promise to look out for the most vulnerable among us. As Social Security observes its 80th anniversary, taking stock of this social contract with the American people will help ensure Social Security stays strong for generations to come.

The Illinois Mathematics and Science Academy® (IMSA) announced today that it has named Dr. Jeffrey Margolis as Vice President of External Engagement. Margolis, a Class of 2000 IMSA alumnus, brings extensive experience with building partnerships and advocating for policies that spark innovation and support the development of next generation tech talent. Dr. Margolis has been a partner and supporter to economic development activities in the Quad Cities, including assisting Representative Bustos in her annual economic summits, connecting the Quad City Manufacturing Lab and Quad Cities Manufacturing Innovation Hub with statewide and federal research and innovation programs, and serving as a resource to Deere & Company.

Dr. Margolis comes to IMSA from the Illinois Science & Technology Coalition (ISTC), a member-driven nonprofit organization that strengthens Illinois' technology-based economy. At ISTC, he provided leadership within the State's innovation community, including creating a statewide science and technology roadmap, and served on the core proposal team for the development of the successful $320 million Digital Manufacturing and Design Innovation Institute.

"Dr. Margolis has a proven ability to develop initiatives and connect education institutions, government, and business to grow Illinois' 21st century knowledge economy. We look forward to tapping this expertise to further establish IMSA as a global education leader and position the Academy as an important asset and partner?a jewel of Illinois?in building  a world-class STEM workforce," said IMSA President Dr. José M. Torres.

The opportunity to broaden and deepen IMSA's impact is what called Dr. Margolis back to his alma mater. "From the time I was a student here, IMSA's mission of educating future leaders to advance the human condition has inspired my interest in improving society through research and innovation. I am excited to increase visibility for the cutting-edge STEM education IMSA delivers, and to forge partnerships that ensure its sustainability and further integrate its students, educators, and alumni with the community."

IMSA's new VP of External Engagement has received accolades for building White House and State Department STEM partnerships and was founding Vice President of Development for the education nonprofit CollegeSpring that serves low income students. Margolis has also worked as an award-winning researcher, earning a Ph.D. from Stanford University School of Medicine.

Internationally recognized Illinois Mathematics and Science Academy® (IMSA) develops creative, ethical leaders in science, technology, engineering and mathematics. As a teaching and learning laboratory created by the State of Illinois, IMSA enrolls academically talented Illinois students (grades 10-12) in its advanced, residential college preparatory program, and it serves thousands of educators and students in Illinois and beyond through innovative instructional programs that foster imagination and inquiry. IMSA also advances education through research, groundbreaking ventures and strategic partnerships. (www.imsa.edu)

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