Calling for a Change of Course at the Country's Largest Company,

Calls for Good, Safe Jobs at Walmart Stores and Suppliers and an End of the Attempts to Silence Associates Echoing Nationwide

IOWA - Today, striking workers from Davenport will be walking off the job and rallying with community supporters before getting on a bus to take their concerns to Walmart executives and shareholders in Bentonville, Arkansas. They will join workers who went on strike in California, Florida, Iowa, Maryland, Massachusetts, Minnesota, and Washington State earlier in the week. With community leaders rallying in support of workers at their stores and online, the strikers will join the nationwide "Ride for Respect" to Walmart's annual shareholders meeting.

In the spirit of the civil rights movement, the "Ride for Respect" is a weeklong, nationwide caravan during which workers and supporters will be voicing the direct impact that Walmart is having on their lives and our economy - on the road and online.

WHO: OUR Walmart Strikers, Community Supporters

WHAT: Rally and send-off event for striking Walmart workers

WHEN: Thursday, May 30 at Noon

WHERE: UFCW Local 431

1401 W. 3rd St.

Davenport, IA 52802

With community supporters echoing their calls nationally, the Organization United for Respect at Walmart (OUR Walmart), a national organization of Walmart employees speaking out for a stronger company and economy, has been calling on the country's largest employer to create better jobs. With more than $16 billion in annual profits and executives making 1,000 times more than the average Walmart employee, a growing number of associates and supporters nationwide are calling for the company to provide full-time work with a minimum salary of $25,000 a year so that workers at the country's largest employer don't have to rely on tax-payer funded programs to support their families.

Despite Walmart workers' struggle to support their families, plummeting customer service ratings, weak store sales due to understaffing, and preventable tragedies in the supply chain, Walmart has attempted to silence these voices through illegal retaliation, meritless lawsuits and even firing workers. Meanwhile, support for these calls for change has grown since the historic Black Friday strikes and protests at 1,000 Walmart stores last fall.

In a sign that Walmart is hearing these concerns, the company made an announcement on scheduling in April on the same day that hundreds of workers and supporters confronted store managers at locations nationwide. Still, even as the company spends millions of dollars on an ad campaign about jobs at the company and OUR Walmart members try to ensure newly proposed policies are implemented quickly and effectively, a new survey shows Walmart employees are largely unhappy with their employer and many longtime employees are not getting the hours they need. At the same time, Walmart's reactions to dangerous working conditions at warehouses and supplier factories in Bangladesh and across the globe have been met with empty promises that continue to put workers at risk.

Follow the caravan on Twitter at #WalmartStrikers.

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By Jason Alderman

My trusty Volvo wagon served our family well for 13 years, but after 106,000 miles it finally gave up the ghost. My wife just completed graduate school so we weren't ready to commit to a new car payment. I rented a car at first, but at $500 a month, that soon got old.

Then I came across a concept new me: assuming someone else's car lease. Initially I was skeptical, but after considerable research I took the plunge. It took many emails and phone calls and a month-long wait for the paperwork to clear, but I now have a one-year lease on a quality car whose monthly cost is about a third less than the stripped-down model I was renting.

With the caveat that car lease assumption is not right for everyone, here's how the process works:

People need to get out of their car leases for a variety of reasons but it's notoriously difficult to do so - you usually must pay the outstanding balance plus an early termination fee.

One way around this, if your finance company allows it, is to transfer the lease to another party for the remainder of its term. Many people use online lease assumption services like Swapalease.com and LeaseTrader.com. I went with Swapalease.com.

These companies match people wanting to unload their lease (think of them as "sellers") with so-called "buyers" interested taking over the remainder of someone's lease. Among the potential advantages for buyers:

• No down payment.
• You can secure a shorter-term lease.
• Sellers will generally offer or agree to financial incentives to unload their lease.
• Newer cars are usually still under warranty.

However, be aware of the many fees involved on both sides of the transaction:

• Sellers are charged a fee to advertise their vehicle on the websites (generally $50 to $150), and a transaction fee if a lease transfer is initiated ($100 to $150).
• Buyers pay a registration fee to obtain contact information for sellers (around $40 to $80). Some sites charge buyers a transaction fee as well.
• Buyers must file a credit application with the lender which can cost up to several hundred dollars; the fee typically isn't refundable if the credit check deems you aren't creditworthy.
• The leasing company itself will typically charge the buyer a lease transfer fee (typically $50 to $600).

A few additional suggestions and precautions:

• Inspect the car and note any damage. You may also want to have a mechanic inspect it.
• Ask whether the lender will remove the seller's name from the lease - some won't.
• During negotiations, ask the seller to pay the application and lease transfer fees. It doesn't hurt to ask and you're still saving them a ton of money.
• Don't expect a lot of customer service from the swapping website.
• Make sure there's enough mileage left on the lease to suit your needs.
• You'll have to pay DMV registration fees and sales tax may apply.
• Your insurance company will need to provide the leasing company with evidence that you have adequate coverage.
• Know that it can take several weeks or more for the transaction to fully close. For me, that meant an extra month's rental.

All in all, if you're flexible about what kind of car you're willing to drive and not in a big hurry, assuming someone else's lease can be a viable option. Just make sure to do your due diligence.

Hoboken, NJ (May 2013)?Parents, the green season is upon us. Summer. And the "green" doesn't just stand for the leafy trees kids climb and the lawns through which they chase fireflies. It stands for cold hard cash. Kids cost money all year long, of course, but summer brings with it a slew of extra expenses: summer childcare programs . . . summer camps . . . extravagant family vacations. According to financial counselor and bestselling author Eric Tyson, if parents aren't careful, they can easily find themselves living a summer lifestyle they really can't afford.

"Many people assume, 'Oh, it's summertime?of course we have to take a fabulous family vacation,' or 'Of course we have to send Travis and Kaitlyn to the same camp their friends are going to,' when, really, they can't afford it," says Tyson, author of Personal Finance For Dummies®, 7th Edition (Wiley, 2009, ISBN: 978-1-118-11785-9, $22.99, www.erictyson.com). "They may not think of it this way, but they're trying to keep up with the Joneses, or worse, the Joneses' kids?and they're harming themselves in the long run."

Tyson says overspending on summer activities and "stuff" doesn't do kids any favors. In fact, your conspicuous consumption may be teaching them poor money management habits, which sets them up for problems in their own financial lives down the road.

"Make this the summer that you rein in your spending and start teaching kids by example how to make smart financial decisions," urges Tyson. "You may be surprised to find that, far from feeling that you're sacrificing, this is the most fun, fulfilling summer you've ever had."

Here are a few of his tips:

· Think about your value system before you make your summer plans. The way we spend our money and our time reveals our values, says Tyson. Actions really do speak louder than words?and your kids are listening. "You'd never say to your children, 'You can't have fun unless you spend a lot of money to have prepackaged experiences,' or 'Kids can't have fun hanging out with their families' or even 'It's fine to rack up lots of debt?to take a lavish vacation or put in a pool, for instance?even if you don't know how you're going to pay it back,'" says Tyson. "And yet, that's what kids hear when you make certain decisions about how you spend your summer."

His point? Really think about what's important to you?and what message it sends?instead of following the summer crowd.

· Don't charge summer activities. Period. "If a vacation or a summer camp doesn't fit your budget, it doesn't fit your budget," says Tyson. "Use debt only to make investments in things that gain value, such as real estate, a business, or an education. If you can't pay cash for summer trips and activities, don't do it or buy it."

· When you're trying to decide whether you can afford a vacation, factor in all the hidden costs. Before you reserve your hotel, sit down, wrack your brain, and make a list of all the expenses you may have forgotten, advises Tyson. "The cost of a vacation is not just hotel and airfare," he says. "It's also the new swimsuits you might have to buy; it's the gas you'll burn driving around in the rental car; it's the cost of boarding your dog and it's the cost of developing all the pictures you take. You can't make an informed decision until you know how much the vacation will cost when all's said and done."

· Vacation close to home. You don't need to put the entire family on an airplane and fly thousands of miles away to have a nice vacation. Airfare is expensive, and so is the rental car you'll probably need once you get to where you're going. Regardless of where you live, there is sure to be a worthwhile destination within a few hours' drive: a beach, a mountain range, a national park, or an exciting city.

"When you get in the car and drive for a few hours, you still have that getting-away-from-it-all feeling, but without the huge price tag," notes Tyson. "Do some research ahead of time and you can plan for some fun and inexpensive activities?say, attending a festival or hiking to a breathtaking waterfall. You'll actually enjoy your vacation instead of fretting about how much it's costing."

· Be a smart vacationer. No matter where your wanderlust leads you and your family, you can cut costs. Here are a few tips:

• Plan, plan, plan. Do plenty of research before you ever leave home so you'll know the best and most budget-friendly activities and destinations in advance. "It's when we fail to plan ahead that we fall prey to overpriced tourist traps," notes Tyson.
• Don't go overboard on the hotel. There's really no reason to spend big bucks on a room you'll do little more than sleep in.
• BYOF: Bring your own food. If you're taking the family to a theme park, bring along a backpack of snacks. (If you don't, be prepared for some serious sticker shock!) And choose a hotel room with a kitchen (or vacation home) so you can prepare a few meals in.
• Don't buy a bunch of T-shirts and trinkets. It's usually better to spend the money on photos than "keepsakes" (i.e., clutter you don't need).
• If your child brings along a friend, make sure he pays his own way. "Don't assume that because Billy is inviting his friend Josh, you have to pay for Josh's meals, amusement park tickets, and so forth," says Tyson. "If you aren't comfortable having a frank discussion with Josh's parents ahead of time about who pays for what, don't invite him."

· Strapped for cash? Dream up creative vacation alternatives. For instance, you can "vacation at home" by spending a week exploring fun, kid-friendly destinations?zoos, museums, gemstone mines?within easy driving distance of your home. Or spend a few nights camping in a local wilderness spot. (Assuming you already have the tents, sleeping bags, and other gear, that is; otherwise you'll spend a fortune on your "roughing it" adventure!) Or visit relatives you rarely see who have an unfamiliar lifestyle?if you're a "city mouse" family, spend a few days on the farm with Great Aunt Bertha.

"The point is, you can find endless fun and educational activities that don't require a major outlay of money," says Tyson. "Use your imagination."

· Skip the expensive summer camp. It's easy to see why summer camps are popular: kids get to spend weeks on end swimming and playing sports. Unfortunately, these adventures can cost thousands of dollars, and especially if you have more than one child, can be costly. If summer camp is a "must" for your kids, seek out the more affordable ones run by non-profit organizations or churches, says Tyson. But don't assume your kids have to go to summer camp at all.

"If you think about it, this is the time of year families should be together," he says. "The kids are out of school; they don't have homework to take up their time; the weather is nice?wouldn't it be better to spend that time doing fun things as a family?"

· Don't rule out "summer jobs" for your kids. If you're worried that, in the absence of summer camp, your kids will spend their summer lounging in front of the TV and computer and playing video games, put them to work. No, seriously, says Tyson. In addition to their regular chores, give your kids summer projects to complete, such as painting their rooms (under your supervision, of course) or designing, planting, and maintaining a flower garden in the yard. Or volunteer them to walk an elderly neighbor's dog or (if they're old enough) cut her lawn.

"Working is good for kids," notes Tyson. "You can pay them a modest allowance for their labor, which helps them learn financial responsibility."

· Encourage your kids to give this summer, not receive. Spending lots of money on kids, whether in the form of vacations, summer camps, or brand new bikes, can breed materialism and a sense of entitlement. You can counteract these forces by insisting that your children spend some time giving back this summer. This will also help foster compassion for others in your children.

"There are many nonprofit organizations for which kids and entire families can volunteer," says Tyson. "Of course, it doesn't have to be that structured. You can make a decision to, say, visit nursing home residents once a week. Adopting a 'cause' as a family helps kids gain a healthier perspective to see that others are less fortunate, and frankly, it serves as a good reminder for parents as well."

Generally, it's best not to indulge children any time of the year, says Tyson.

"Toys, art classes, sports, field trips, and the like can rack up big bills, especially if you don't control your spending," he writes in Personal Finance For Dummies. "Some parents fail to set guidelines or limits when spending on children's programs. Others mindlessly follow the examples set by the families of their children's peers. Introspective parents have told me that they feel some insecurity about providing the best for their children. The parents (and kids) who seem the happiest and most financially successful are the ones who clearly distinguish between material luxuries and family necessities."

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About the Author:
Eric Tyson is an internationally acclaimed and bestselling personal finance book author, syndicated columnist, and speaker. He has worked with and taught people from all financial situations, so he knows the financial concerns and questions of real folks just like you. Despite being handicapped by an MBA from the Stanford Graduate School of Business and a BS in economics and biology from Yale University, Eric remains a master of "keeping it simple."

After toiling away for a number of years as a management consultant to Fortune 500 financial-service firms, Eric took his inside knowledge of the banking, investment, and insurance industries and committed himself to making personal financial management accessible to all.

Today, Eric is an accomplished personal finance writer. His "Investor's Guide" syndicated column, distributed by King Features, is read by millions nationally. He is the author of five national bestselling books, including Personal Finance For Dummies, Investing For Dummies, and Home Buying For Dummies (coauthor), among others, which are all published by Wiley Publishing. Personal Finance For Dummies was awarded the Benjamin Franklin Award for best business book of the year.

Eric's work has been featured and quoted in hundreds of publications, including Newsweek, the Wall Street Journal, the Los Angeles Times, the Chicago Tribune, Forbes magazine, Kiplinger's Personal Finance magazine, Parenting magazine, Money magazine, Family Money magazine, and Bottom Line/Personal magazine; on NBC's Today show, ABC, CNBC, PBS's Nightly Business Report, CNN, and FOX-TV; and on CBS national radio, NPR's Sound Money, Bloomberg Business Radio, and Business Radio Network.

Eric's website is www.erictyson.com.

Three-year Agreement Receives Final Union Approval After 15 Month Negotiation

SPRINGFIELD - Governor Pat Quinn today praised American Federation of State, County and Municipal Employees (AFSCME) Council 31 members' final ratification of a new union contract covering approximately 35,000 state employees. Negotiations took more than 15 months and the agreement received final ratification by AFSCME members in a vote that concluded yesterday. The agreement is part of the governor's agenda to restore fiscal stability to Illinois.

"This contract is a win for every taxpayer in Illinois," Governor Quinn said. "At a time when our state is facing unprecedented fiscal challenges, this contract will save the state $900 million in healthcare costs and help restore fiscal stability to Illinois. I thank the many hard-working public workers who approved this agreement after many months of difficult negotiations. By coming to the table in good faith we were able to find common ground on a fair and responsible contract."

AFSCME announced final ratification of the contract today. The approved agreement will result in $900 million in healthcare savings over the life of the contract. The contract implements a new law requiring retirees to begin paying a modest portion of their health insurance premiums starting July 1. In addition, it includes modest Cost of Living Adjustments at a rate of 0 percent, 2 percent and 2 percent. The contract calls for new hires to start three steps lower, which amounts to about 9 percent less starting salary, which will save taxpayers money for years to come.

As part of the agreement, the union and the administration are seeking approximately $140 million in fiscal years 2012 and 2013 wages from the previous contract that remain an obligation of the state. The legislation is House Bill 212, House Amendment 2. The vote for final ratification comes after an agreement was unable to be implemented regarding pay raise litigation that has been tied up in court.

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