By Nathaniel Sillin

As the economy improves, today's sellers are facing a very different environment than they were before the housing market stumbled in 2006.

Today's housing market features new procedures and standards, not the least of which are continuing borrowing hurdles for prospective buyers. If you are thinking about a home sale in the coming months, it pays to do a thorough overview of your personal finances and local real estate environment before you put up the "for sale" sign. Here are some general issues to consider:

Make sure you're not underwater. You may want to buy a new home, but can you afford to sell? The term "underwater" refers to the amount of money a seller owes on a house in excess of final sales proceeds. If what you owe on the home - including all selling costs due at closing - exceeds the agreed-upon sale price, then you will have to pay the difference out of pocket. If you're not in a situation where you absolutely have to sell now, you may want to wait until your financial circumstances and the real estate market improves.

Evaluate your finances. Before you sell, make sure you are ready to buy or rent. Making sure all three of your credit reports (https://www.annualcreditreport.com/index.action) are accurate is an important part of that process.

Consider "for sale by owner" vs. "for sale by broker." "For Sale by Owner" (FSBO) signs were a common sight in many neighborhoods during the housing crisis. Shrunken home values convinced many sellers to sell their property themselves rather than pay 5-6 percent of profit in broker commission. However, consider what a licensed real estate broker could accomplish in your specific situation. Many experienced brokers have market knowledge and negotiating skills that could potentially get a better price for your property. Deciding which route to take shouldn't be an overnight decision. Check leading FSBO and broker sites and talk with knowledgeable friends, attorneys and real estate professionals to learn as much as you can.

Think twice before spending on improvements. Not every home construction project pays off at sale time. Remodeling magazine's annual Cost vs. Value Report (http://www.remodeling.hw.net/cost-vs-value/2015/) tracks both pricing and cost recovery for leading remodeling projects. Before fixing up a bathroom, kitchen or any other area of your home, research whether the work will actually pay for itself at sale. For many sellers, it might be advantageous to hire a licensed home inspector to identify any structural, mechanical or major appliance repair issues that could delay or compromise a sale.

Don't forget moving costs. According to the American Moving and Storage Association, a leading industry trade group, the average professional interstate move of 1,220 miles costs an average of $5,630; in state, the average moving cost is $1,170. After all the costs involved in selling a home, don't forget how much it costs to relocate.

Bottom line: Selling your home requires planning. Before putting it on the market, get solid, qualified advice on how to sell smart in a still-recovering housing market.


MRA - The Management Association, 3800 Avenue of the Cities, Suite 100 in Moline, Illinois has several training events planned in September.

September 3 & September 17: 8 AM - 4 PM, Principles of Leadership Excellence Series: Module 3 - Culture, Motivation, and Aligning Goals with Strategies. The goal of the Principles of Leadership Excellence Certificate Series (PLX) is to provide you with opportunities to learn the skills, behaviors, and knowledge needed for effective, successful leadership.  Cost is MRA Members: $495  Nonmembers:$655 (Pricing also available if you sign up for the entire 6 module series).

September 10 & September 11: 8 AM - 3:30 PM, FMLA Administration in the Real World - A Method to the Madness.  This is the premier course for those responsible for FMLA Administration and teaches the full leave life cycle from when an employer learns of the need for leave through the employee's return to work.  Cost is MRA Members: $460  Nonmembers: $665.

September 10: 8 AM - 4 PM, Administrative Professionals Certificate Series: Leadership Skills for the Administrative Professional.  Learning professional skills to be more effective in the workplace.  Participants explore their individual communication style and ways to improve their communication, problem solving and interpersonal skills.  Cost is MRA members: $250 Nonmembers: $340 (Pricing is also available if you sign up for the entire 4 module series).

September 18: 8 AM - 3:30 PM, Meeting Facilitation Skills.  A good meeting facilitator has the skills to make ordinary group meetings dynamic and productive.  In this program participants practice using skills and tools that help keep meetings on track and groups moving forward.  Cost is MRA members: $250  Nonmembers: $340.

September 22: 8 AM - 4 PM, Frontline Leadership Certificate Series: Motivation and Trust Building.  Group leaders learn how to meet the demands of leading work, while doing work.  This program gives participants a practical understanding of basic leadership skills, work values, organizational responsibility, and trust building.  Cost is MRA Members: $250  Nonmembers: $340 (Pricing is also available if you sign up for the entire 5 module series).

September 24: 8 AM - 4 PM, Emotionally Intelligent Leader.  Participants in this program learn critical skills necessary to effectively understand and use emotion constructively in the workplace.  Cost is MRA Members: $275  Nonmembers: $360.

September 24: 8 AM - 4 PM, Administrative Professionals Certificate Series: Juggling Multiple Priorities for Administrative Professionals.  Time cannot be managed. Time is uncontrollable; therefore, you can only manage yourself and your use of the time you have.  Identify time stealers and learn how to pinpoint where you need to take control by dealing with procrastination, interruptions, and stress.  Cost is MRA members: $250 Nonmembers: $340 (Pricing is also available if you sign up for the entire 4 module series).

September 29: 8 AM - 4 PM, Frontline Leadership Certificate Series: Communication Skills.  This workshop helps group leaders become more effective communicators with both their workers and their supervisors.  Participants gain effective listening skills and the ability to give and receive feedback.  Cost is MRA Members: $250  Nonmembers: $340 (Pricing is also available if you sign up for the entire 5 module series).

To register for any of these courses, or for more details, contact Kathy Riley at 309.277.4186 or at Kathy.riley@mranet.org.  You can also find training information on our website at www.mranet.org/Training-Events.


MRA brings safety training to the Quad Cities in partnership with the American Society of Safety Engineers (ASSE).  Engage in the latest safety topics and select specific sessions with tracks focused on manufacturing, construction, and small business.

On Friday, October 2, 2015 from 7:00 AM - 5:00 PM, the MRA Safety Conference will be held at the i-Wireless Center located at 1201 River Drive in Moline, Illinois.

Cost is: Early Bird Registration until August 25, 2015 MRA/ASSE Members: $125 Nonmembers: $175.  After August 25, 2015, MRA/ASSE Members: $175 Nonmembers: $200.  Registration includes Vendor Fair, Keynote Speaker, Breakout sessions and Breakfast and Lunch.

Sponsorship and Exhibitor Opportunities are also available.

For more information or to register, contact Kathy Riley, MRA Member Relations Coordinator at 309.277.4186 or at Kathy.riley@mranet.org or go to our website at www.mranet.org/Training-Events/Conferences-Special-Events/Safety-Conference.

About MRA-The Management Association
Founded in 1901, MRA-The Management is a not-for-profit employer association that serves more than 4,000 employers throughout the Midwest, covering 800,000+ employees. As one of the largest employer associations in the nation, MRA helps its member organizations thrive by creating powerful teams and safe, successful workplaces. MRA conducts more than 2,000 learning events each year. Members of MRA also receive access to expert guidance, best practices, professionally facilitated roundtables, essential tools, and dozens of business services in the areas of human resources and training. MRA is headquartered in Waukesha, Wis., and has regional offices in Palatine, Ill.; Moline, Ill.; and Plymouth, Minn. To learn more and to become a member of MRA, visit www.mranet.org.

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Thurs., Aug. 13, 2015

Senate Judiciary Committee Chairman Chuck Grassley today made the following statement after the Federal Trade Commission's (FTC) announcement that it was providing more guidance for businesses under Section 5 of the Federal Trade Commission Act.  Section 5 provides authority for the FTC to enforce "unfair or deceptive acts or practices in or affecting commerce...."

Grassley and House Judiciary Committee Chairman Bob Goodlatte, along with other members of the Senate and House, sent a letter to the commission urging it to issue specific guidelines on the FTC's authority under Section 5 of the Federal Trade Commission Act.   In the letter, the members wrote, "The absence of clear parameters for the FTC's Section 5 authority based on empirical and economic justifications engenders uncertainty in the business community.  This uncertainty acts as a deterrent to innovation and creativity, which are critical drivers of the American economy and are vitally important in today's challenging economic environment.  Accordingly, articulating a standard by which the FTC intends to utilize its Section 5 unfair method of competition authority should be a high priority."

Here is Grassley's comment on today's actions.

"Today's announcement is a welcome development and a step forward for business owners who want to abide by the law.  It's hard for businesses to comply with Section 5 if it isn't clear what constitutes a violation of the law. Although I wish the commission had allowed for public comment, I appreciate the FTC taking the concerns of Congress into consideration as they wrote this new guidance.  We'll continue to monitor the FTC's enforcement of Section 5 to ensure that the commission is exercising its authority in an appropriate and consistent manner."

Funding will establish a workforce training facility at Southeastern Community College

Washington, D.C. - Congressman Dave Loebsack announced today that Southeastern Community College in Keokuk will receive $1,000,308 from the U.S. Economic Development Administration (EDA). These competitively awarded funds will be used to construct a new Industrial Maintenance Technology facility. The facility will provide training in advanced manufacturing and industrial technologies to meet the demands of the local and regional industries.

Loebsack has been a longtime supporter of establishing similar partnerships between businesses, labor organizations, local stakeholders, and education and training providers to help close the gap between the kinds of skills that workers have and skills that businesses need. Last year, large portions of his jobs and workforce investment bill, the SECTORS Act, was signed into law as part of the Workforce Innovation and Opportunity Act.

"I have long believed that community colleges are the principal intersection between education and workforce development. When traveling around Iowa meeting with business leaders, I hear time and time again that they can't find workers with the skill set they need to be able to hire, despite high unemployment rates. I am very pleased that Southeastern Community College has received this funding to help close the gap between the kinds of skills that workers have and the skills local business need."

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(DES MOINES) - Iowa Gov. Terry E. Branstad and Lt. Gov. Kim Reynolds today held the first of a series of roundtable meetings across the state to focus on ways to better align education and workforce initiatives to close the skills gap and meet future employer needs. The roundtable series marks the beginning of the "Future Ready Iowa" initiative, which will focus on ways to continue building Iowa's talent pipeline to ensure our state has a workforce ready to fill the high-quality, well-paying jobs and careers of today and tomorrow.

"I was pleased to be able to hear from students from across Iowa on how state leaders can work to better prepare our citizens for the careers of today and tomorrow," said Branstad. "Over the weeks and months ahead, I look forward to hearing from other stakeholders as we explore ways to better align education and workforce training to meet the needs of the employers' and the highly-skilled careers they have available in our state now and in the future."

According to a National Skills Coalition study published in August of 2014, middle-skill jobs account for 57 percent of Iowa's labor market, but only 50 percent of the state's workers are trained to meet those workforce needs.

"As I travel across the state, I hear time and again how Iowa employers have career openings available now, but they lack qualified candidates to fill the positions. Strengthening Iowa's talent pipeline through the 'Future Ready Iowa' initiative will help assure students and workers have the career opportunities they deserve, and that business and industry have the skilled employees they need to compete in a knowledge-based economy," said Reynolds.

For the first meeting, Branstad and Reynolds heard from a panel of Iowa students from across the state. Moderated by the Governor's STEM Advisory Council Executive Director Dr. Jeff Weld, the group shared how they believe education can prepare individuals for dynamic careers and lifelong learning while meeting employer needs, growing family incomes, and strengthening communities.

The participants of the first roundtable were:


Ben Gillig, University of Iowa

Matthew Stefan, DMACC

Aditi Dinakar, Creighton University

Hannah Rens, Sioux City East High School

David Ewing, Lincoln High School

Daniel Leonard, SWiCC,

Madisen Blackford, Hoover High School

Katie Gilbert, DMACC


The "Future Ready Iowa" initiative comes after Iowa received a National Governors Association policy academy grant in 2014 for up to $170,000 to develop strategies to improve the educational attainment of its citizens and the nimble alignment of those degrees and credentials with employer demand.

Additional roundtable meetings across Iowa will be announced at a later time.

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Week-Long Celebration and Contests Kick Off Monday, August 24th

DAVENPORT - In celebration of the completion of the new state-of-the-art Ascentra Credit Union branch at 1800 Brady Street in Davenport, the community is invited to a ribbon cutting ceremony on Monday, August 24 at 4:00 p.m.

Work began on the 3,400 square ft. structure in October 2014 and features a unique, modern design that has beautified the landscape and enhanced pedestrian access to the corner in the Hilltop Campus Village.

This brand new location will replace the nearby branch Ascentra merged with in 2013 and is located within walking distance from St. Ambrose University and Palmer College of Chiropractic.  The branch will provide much needed access to financial services for students and area residents such as Co-op Shared Branching - which allows credit union members to establish membership and use a nationwide network of over 5,000 credit union branches to conduct business as if they were at Ascentra.

"We're very excited to relocate our office to this new full service branch at a much more visible location," Ascentra Credit Union President & CEO Dale Owen says. "We look forward to further economic development in the Hilltop and playing a major role in further revitalization of the area.  We've been very pleased to work with the city staff, Mayor, City Council, the Design Review Board and the Hilltop Campus Village to help bring this project to completion."

The ribbon cutting will kick off a week-long celebration that allows people to stop by and register for a chance to win a 40" HDTV, a Go-Pro camera, Beats by Dr. Dre headphones, and a Fitbit workout band. A special social media Pay it Forward: Cash Stash will allow people to win cash by following clues on Ascentra's Facebook and Twitter pages.

About us:

Founded in 1950, Ascentra Credit Union, is Iowa's premier credit union with more than $340 million in assets and 10 branches serving the communities of Bettendorf, Clinton, Davenport, LeClaire, Muscatine, Iowa and Moline, Ill. Learn more about Ascentra Credit Union at ascentra.org. Follow Ascentra on Facebook and on Twitter @ascentra.

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Wednesday's discussion marks beginning of larger "Future Ready Iowa" initiative to build Iowa's talent pipeline for the careers of today and tomorrow

 

(DES MOINES) - Iowa Gov. Terry E. Branstad and Lt. Gov. Kim Reynolds today announced they will launch a series of roundtable meetings across the state to focus on ways to better align education and workforce initiatives to close the skills gap and meet future employer needs. The roundtable series marks the beginning of the "Future Ready Iowa" initiative, which will focus on ways to continue building Iowa's talent pipeline to ensure our state has a workforce ready to fill the high-quality, well-paying jobs and careers of today and tomorrow.

The first roundtable will be held Wednesday, August 12, 2015, at 1 p.m. in the Governor's Robert D. Ray Conference Room  at the Iowa State Capitol.  The discussion is open to credentialed members of the media and is expected to last approximately one hour.  Additional roundtables will be announced at a later date.

According to a National Skills Coalition study published in August of 2014, middle-skill jobs account for 57 percent of Iowa's labor market, but only 50 percent of the state's workers are trained to meet those workforce needs.

For the first meeting, Branstad and Reynolds will hear from Iowa students from across the state. They will share how the education and training they're currently receiving could potentially be improved to prepare them for the workforce and rewarding careers. The students expected to attend and participate are as follows:

Name, School

Ben Gillig, University of Iowa

Matthew Stefan, DMACC

Aditi Dinakar, Creighton University

Hannah Rens, Sioux City East High School, Sioux City

David Ewing, Lincoln High School, Des Moines

Daniel Leonard, SWiCC,

Madisen Blackford, Hoover High School, Des Moines

Katie Gilbert, DMACC

The "Future Ready Iowa" initiative comes after Iowa received a National Governors Association policy academy grant in 2014 for up to $170,000 to develop strategies to improve the educational attainment of its citizens and the nimble alignment of those degrees and credentials with employer demand.

The grant will help Iowa continue to advance innovative programs like the Skilled Iowa Initiative, the Governor's Science Technology, Engineering and Math initiative, Home Base Iowa, the Iowa Apprenticeship and Job Training program and other education and workforce initiatives aimed at closing the skills gaps.

Wednesday, August 12, 2015

1 p.m. Gov. Branstad and Lt. Gov. Reynolds hold "Future Ready Iowa" roundtable discussion with Iowa students to learn how Iowa can align education and workforce initiatives to meet employer needs and advance rewarding careers

Governor's Office - Robert D. Ray Conference Room

State Capitol

Des Moines, IA

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Spellbound, a new shop unlike any other in the Quad Cities, has generated great anticipation leading up to its Grand Opening, set for Saturday, August 15, 10:00 a.m. to 5:30 p.m., in the Shoppes on 2nd in the District of Rock Island.

Because of the unique nature of Spellbound, it has already generated quite a bit of "buzz" in social media. Its Facebook page, www.facebook.com/spellboundqc, has received many messages and more than 170 "likes" prior to opening.

According to owner/operator Sarah Jacoby, "Spellbound will offer a number of gifts and New Age items, including jewelry, crystals, books, incense and herbs, dragons, candles, fairies, figurines, wind chimes, and much more."

Customers at the Grand Opening, taking place during Ya Maka My Weekend in The District, will be treated to unique free gift bags and refreshments, while supplies last.

Spellbound will open its doors to the public on Tuesday, August 11, with the Grand Opening on Saturday, August 15. The address is 1700 2nd Avenue, Suite 5, Rock Island, IL 61201. Hours are Tuesday through Saturday, 10 a.m. to 5:30 p.m.

Spellbound will also offer personal dream analysis, with both appointments and walk-ins welcome.

Fun Fact: The name "Spellbound" comes from a line in the song Witchy Woman by the Eagles: "She held me spellbound in the night, dancing shadows and firelight."

 

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August 7, 2015 - This morning is the first day of business for Cornerstone Family Dentistry, at 1304 Brady Street, in the heart of the Hilltop Campus Village.

Dr. Melinda Hochgesang, DMD, said that they will be open every Friday until mid-September, at which point they'll be open full-time. Dr. Hochgesang is a general practitioner of Dentistry, with a specialization for small children and for babies.

The building has been undergoing renovation for sometime, and has a nice open feel. It was formerly owned and occupied by Davenport Dentures, Ltd., whose owner recently retired.

The facility offers ample parking and is conveniently located adjacent to Red Band Coffee, across the street from St. John's Methodist Church and Townsquare Media.

"This is a great addition for the Hilltop Campus Village, one that will be appreciated by the many residents living in these growing commercial corridors", said Scott Tunnicliff, Drector of the Hilltop Campus Village. "We have been in touch with the new owners for a couple months, providing some counsel on matters of Signage and the availability of financial resources for façade improvement through the Hilltop Association's Self-Sustaining Municipal Improvement District (SSMID).

"Our specialty with kids and babies is going to be of real interest to folks in the Quad Cities", said Dr. Hochgesang. "We anticipate a lot of customers because of that and due to our high visibility. This is a great location for us, and we anticipate becoming a meaningful partner within the Hilltop community."

More information may be gathered by contacting Scott Tunnicliff at 563 370 2098. For appointments, contact Cornerstone Family Dentistry, 563 - 231 - 5990, MindyHochgesang@gmail.com.

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