Thousands of Illinois Residents Getting Help to Save Their Homes; South Holland Event is Latest to Connect Families Facing Foreclosure with Resources

SOUTH HOLLAND - October 13, 2012. Governor Pat Quinn today met with homeowners seeking help from foreclosure and outlined the progress of his Illinois Foreclosure Prevention Network (IFPN) that has been helping thousands of families across the state stay in their homes.

Thanks to the network, Illinois homeowners who are struggling with their mortgage payments are able to access the assistance and information they need to help them avoid foreclosure. The "Keep Your Home, Illinois" regional foreclosure prevention workshop was held at the South Holland Community Center.

"The home is the foundation of working families across Illinois," Governor Quinn said. "Keeping people in their homes strengthens families, communities and our economy. The Illinois Foreclosure Prevention Network provides homeowners with the guidance they need to do what's best for their families at no cost."

Most importantly, it offers homeowners a safe and trusted source for assistance so they do not fall prey to mortgage rescue scams offered by unscrupulous business entities.

IFPN has made a far-reaching impact, enabling tens of thousands of residents in every part of Illinois to access services they need to help them keep their homes. Thanks to IFPN:

·         Almost 350,000 homeowners have accessed either the IFPN website or the Illinois Hardest Hit program website.

·         More than 10,000 people have called IFPN help hotlines.

·         More than 37,000 homeowners have received homeownership counseling.

·         Almost 1,800 people have attended a series of IFPN workshops across the state.

·         More than 4,600 homeowners have been given more than $52 million in mortgage payment assistance with almost $105 million in funds approved through the Illinois Hardest Hit program.

"When the governor launched the IFPN, we knew that it was the best way to help people navigate the often confusing and overwhelming world of foreclosure prevention assistance programs," said Mary Kenney, executive director of the IHDA. "We now see the impact and success of IFPN and we will continue to reach out across the state so more and more people can get the help they need."

As states across the nation recover from the Great Recession, foreclosures continue to be a challenge. As of September, according to RealtyTrac, one in 376 Illinois homes had some form of foreclosure filing on record. The first half of 2012 saw a 3.1 percent increase in foreclosure filings in the Chicago region, compared to the same period in 2011. For the same period, Cook County as a whole saw an increase of 3.4 percent.

"Under Governor Quinn's leadership, Illinois has made many important strides to reduce foreclosures and protect homeowners - including providing access to free homeownership counseling," Kenney said. "Studies show that housing counseling nearly doubles the chances of mortgage modifications and reduces the likelihood of re-default by at least 67 percent. We are pleased that through IFPN, more than 37,000 homeowners have been referred to counseling."

Interagency cooperation and partnerships are a key element of IFPN, linking the various agencies and nonprofit organizations that play essential roles in providing resources to Illinois homeowners.

"We are proud to be one of the 68 counseling agencies providing services under the network," said Ofelia Navarro, executive director of the Spanish Coalition for Housing. "Governor Quinn understands that homeowners have difficulty understanding and keeping up with which foreclosure prevention programs are available to them. Now more than ever, as the number of programs increase, homeowners need guidance to choose the best option for them."

Under Governor Quinn, the Illinois Housing Development Authority (IHDA), Illinois Department of Financial and Professional Regulation (IDFPR) and Illinois Department of Employment Security (IDES) comprise the IFPN.

Illinois residents who are having trouble paying their mortgage, facing foreclosure or know someone who is should reach out to IFPN as soon as possible by calling the IFPN hotline at 855-KEEP-411 or by visiting www.keepyourhomeillinois.org. A list of upcoming IFPN events is also available.

 

About IHDA

The Illinois Housing Development Authority (www.ihda.org) is an independent, self-supporting bonding authority that finances the creation and preservation of affordable housing throughout Illinois. Since 1967, IHDA has allocated more than $11.1 billion to finance more than 221,000 affordable housing units for the residents of Illinois.

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Summits to follow at Illinois State, Western and SIUE

 

CARBONDALE - Advocating for affordable and accessible higher education for all students, Lt. Governor Sheila Simon will host College Affordability Summits in Carbondale, Normal, Macomb and Edwardsville in the coming week.

 

Simon will call on state, federal and higher education leaders to increase transparency, target state aid and support a federal tax credit for middle class families in order to make college affordable for Illinois students. The average costs for a public university education have outpaced family incomes and available aid, increasing 128 percent since 1980 when adjusted for inflation.

 

"Our state has set a goal to increase the proportion of working-age adults to 60 percent, from 41 percent, by 2025. The only way we can achieve this goal is if college is affordable," said Simon, a former Southern Illinois University law professor. "We must work together to rein in costs of a higher education."

 

The Governor's point person on education reform, Simon supports legislation for College Choice Reports, a standardized report for all degree-granting institutions that would help students analyze cost, debt and graduation rates across institutions. Simon also serves on the state's MAP Eligibility Task Force, which is reviewing ways to better target the need-based assistance to students. A task force report is due to the General Assembly January 1, 2013.

 

The College Affordability Summits are scheduled for Monday, Oct. 15 at Southern Illinois University at Carbondale; Thursday, Oct. 18 at Illinois State University and Western Illinois University; and Southern Illinois University in Edwardsville on Friday, Oct. 19. Additional dates and locations will follow.

 

EVENT: Southern Illinois University-Carbondale Affordability Summit

TIME: 1:15 p.m.

DATE: Monday, October 15

PLACE: Trueblood Dining Hall, 1175 S. Washington St., Carbondale

NOTE: Simon will hold a media availability in the dining hall before shadowing a work study student. The job shadow is for photo and video spray only.

 

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Thursday, Oct. 11, 2012

Grassley, Thune Continue to Seek Answers on Federal Money to Battery Company with Chinese Investor

WASHINGTON - U.S. Senators Chuck Grassley (R-Iowa) and John Thune (R-S.D.) continue to press for answers about a $249.1 million federal grant awarded by the U.S. Department of Energy through the controversial 2009 stimulus bill to a battery manufacturer that could soon be owned by a Chinese investor.  Grassley and Thune sent a letter this week to the chief executive officer of A123 Systems based in Massachusetts questioning whether U.S. tax dollars are going to benefit a Chinese company rather than U.S. taxpayers and express concern about national security risks.

"We need to be sure that when the federal government invests close to a quarter of a billion dollars in grants to a company, that the technology developed as a result of this taxpayer support doesn't end up in China," Grassley said.  "We'll continue to press for answers and for a full accounting from the Administration on how these grants are made and whether any measures are taken to prevent tax dollars from being wasted.  This situation requires transparency and accountability."

"With over 23 million Americans unemployed or underemployed and struggling to make ends meet, the federal government should not be sending millions of U.S. taxpayer dollars to a Chinese company to support Chinese jobs," said Thune.  "The president promised his stimulus bill would reduce unemployment to 6 percent by now, but instead, unemployment just dropped below 8 percent for the first time since the president took office nearly four years ago.  The American people have a right to know whether stimulus dollars will be used to support the creation of Chinese jobs."

In August, Grassley and Thune wrote to the Department of Energy after the company was faltering and had just announced a $450 million investment deal with a Chinese company to express concern about tax dollars going to a struggling company.

Grassley and Thune said their concerns continue, in part because the Department of Energy has not answered basic questions.  Because of the way the deal is structured, China-based Wanxiang can transfer some of A123's debt into ownership.  The China-based company could end up owning 80 percent of A123. Billions of tax dollars already have flowed to foreign companies through stimulus bill spending.  This deal could lead to foreign government access to technology that A123 has described as "innovative" and "next generation."  A123 holds several multi-million dollar contracts with the Department of Defense and is pursuing more defense contracts for military vehicles, power grids, high energy lasers, advanced armor, and unmanned defense vehicles.

Grassley and Thune said that if A123 is close to being owned by a Chinese company, then the public deserves to know:  how much of the federal stimulus grant the company has yet to receive; what safeguards are in place for taxpayer-funded intellectual property; if taxpayer-funded jobs will stay in the United States; if the Energy Department raised any objections to the financing deal and if it didn't, why not?  In addition, the Administration must account for what protections are in place for classified information of the Department of Defense, Grassley and Thune said.

The text of the latest Grassley-Thune letter is available here.  The text of their August letter to the Department of Energy is available here.

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ROCK FALLS, IL - Blackhawk Hills Regional Council, in conjunction with the Carroll County Soil and Water Conservation District, is sponsoring a Prevailing Wage Workshop to be held October 16, 2012 at 10:00 am. Tom Whalen, Conciliation and Mediation Manager at the Illinois Department of Labor, will be presenting on the Illinois Prevailing Wage Act. The workshop will help explain how this state law impacts local communities and organizations.

The workshop is open to the public and there is no fee to attend the event. To obtain additional information or to register for the event, please contact Blackhawk Hills by phone at 815-625-3854 or email at info@blackhawkhills.com

About Blackhawk Hills

Blackhawk Hills is a not-for-profit corporation based in Rock Falls, IL, that serves Carroll, Jo Daviess, Lee, Ogle, Stephenson, and Whiteside counties in northwest Illinois. Services include community planning, development assistance, natural resources  conservation and protection support, and grant writing and administration. Blackhawk Hills is sponsored by local county boards and Soil and Water Conservation Districts and is overseen by an 18-member council, consisting of three representatives from each of the six counties.

Questions about Blackhawk Hills may be directed to Theresa Wittenauer at (815) 625-3854 or theresa.wittenauer@blackhawkhills.com.

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By: Rakesh Malhotra

Stories of workplace bullying are commonplace throughout the United States.

Some real-life examples:

Mavis: "When I started there, I was told that someone had been acting in the position and had expected to get the job. This person continually undermined me and turned other staff against me. I endured 12 months of hell, and felt as if I was sinking in quicksand."

A male employee at a different company: "The misery took over my whole life. I turned nasty and bitter and treated my wife and kids like whipping posts. After many visits to a psychologist, I was able to think of all the positive things in my life. Now I look back and think I wouldn't want to go through that experience again."

In general, there are no legal repercussions for non-physical bullying except in specific cases, such as sexual harassment. In fact, bullying is a character trait that tends to be condoned in American society. Consider our national obsession -- football. The object of this celebrated game is to get the ball to the other player's goal, no matter what it takes: trampling, hitting, pushing, screaming. If football is a metaphor for American society, then the winner is the person who pushes others out of the way and wins no matter the cost.

Bullies win by controlling situations and people around them. They crave power and the attention that comes from getting what they want.

The effects of working with a bully

Adults have a difficult time performing their jobs effectively when subjected to bullying by a co-worker. It takes a toll physically because of our physiological responses to emotional stress. Typically, victims endure feelings of depression, guilt and shame, and they suffer sleep loss and fatigue.  In some cases, victims begin to believe the bully's behavior is warranted, and they develop feelings of worthlessness. They cannot complete tasks at the same level as others in their units.

Victims of bullying may suffer from panic disorders, post traumatic stress syndrome, agoraphobia and stress-induced high blood pressure. If they leave the job or are docked because of resulting lowered performance, they face economic issues. Some take their own lives.

The abuse takes a toll on victims in every way imaginable.

Are you a bully?

Being accused of being the bully can be difficult to accept. You may believe your actions were unintentional, or a justified emotional response to provocation. Perhaps, you see yourself as the only one in the office qualified to do anything right.  However, whatever you have said or done, whether purposefully or not, you have created a culture of negativity for at least one person and you need to honestly assess the situation and your role in it.

Symptoms that you may be the bully include :

• Insulting a coworker (remember, one person's "joke" may be another's insult).

• Undermining another employee's work by creating a hostile environment or perhaps by consistently calling their attention to "flaws". (Bullies focus on a person, while constructive criticism focuses on a task.)

• As an employer, ignoring your employees' suggestions.

• Humiliating your employee in front of others.

If any of these sound like something that you may be doing, it is important to address this immediately with your victim. You may want to speak with your doctor about getting help, such as counseling, sensitivity training, anger management and other seminars.

It is important to understand the signs and symptoms of a bully in order to help the victim and the victimizer deal with and exterminate the behavior.

If you are a victim, diligently record workplace bullying events. If you choose to make a formal complaint, you will be responsible for providing information should there be charges brought against the bully.

About Rakesh Malhotra

Rakesh Malhotra, founder of Five Global Values (www.FiveGlobalValues.com), is a world-traveled, values-driven business leader who specializes in organization behavior. Rakesh's fascination with the connection between human behavior and core values was sparked many years ago. As a result of working, living, and traveling around the world to nearly  40 countries, Rakesh realized that the Five Global Values determine overall  human behavior  across all cultures. He is also the author of Adventures of Tornado Kid: Whirling Back Home Towards Timeless Values.

WASHINGTON - A reform effort that Senator Chuck Grassley's been pushing for nearly 10 years became law today with the President's signature on Grassley legislation that will require federal agencies to put new controls on government charge cards and enforce more stringent penalties for violations by federal employees.

http://www.whitehouse.gov/briefing-room/signed-legislation

Grassley first introduced a bill to secure better management controls for government charge cards in 2003.  The measure enacted today was cosponsored by Senator Joe Lieberman of Connecticut and Senator Susan Collins of Maine.

"It shouldn't take a decade for Washington to do everything possible to stop federal workers from purchasing kitchen appliances, jewelry and cruises, and even paying the tab at gentlemen's clubs and legalized brothels, but Washington is an island surrounded by reality," Grassley said.  "Perseverance paid off for this reform effort.  By putting some common-sense controls into the law, we can make certain the federal bureaucracy improves the way it responsibly manages the use of these cards just like a private business would."

Problematic use of government charge cards, first at the Department of Defense and then at the Department of Housing and Urban Development, the U.S. Forest Service, the Federal Aviation Administration, and elsewhere, was revealed by Grassley's oversight work.  Over the years, the nonpartisan Government Accountability Office also documented fraudulent, questionable and overly expensive purchases with these cards.

Along with new controls and penalties, including dismissal, the legislative overhaul also will increase scrutiny of card usage with regular independent risk assessments and audits to identify fraud and improper use.

Safeguards and internal controls included in the Government Charge Card Abuse Prevention Act are:

·         performing credit checks for travel card holders and issuing restricted cards for those with poor or no credit to reduce the potential for misuse;

·         maintaining a record of each cardholder, including single transaction limits and total transaction limits so agencies can effectively manage their cardholders;

·         implementing periodic reviews to determine if cardholders have a need for a card;

·         properly recording rebates to the government based on prompt payment, sales volume, etc.;

·         providing training for cardholders and managers;

·         utilizing effective systems, techniques, and technologies to prevent or catch improper purchases;

·         establishing specific policies about the number of cards to be issued, the credit limits for certain categories of cardholders, and categories of employees eligible to be issued cards;

·         invalidating cards when employees leave the agency or transfer;

·         establishing an approving official other than the purchase card holder so employees cannot approve their own purchases;

·         reconciling purchase card charges on the bill with receipts and supporting documentation;

·         reconciling disputed purchase card charges and discrepancies with the bank according to the proper procedure;

·         making purchase card payments promptly to avoid interest penalties;

·         retaining records of purchase card transactions in accordance with standard government record keeping policies;

·         utilizing direct payments to the bank when reimbursing employees for travel card purchases to ensure that travel card bills get paid;

·         comparing items submitted on travel vouchers with items already paid for with centrally billed accounts to avoid reimbursing employees for items already paid for by the agency;

·         submitting refund requests for unused airline tickets so the taxpayers don't pay for tickets that were not used; and

·         disputing unauthorized charges and tracking the status of disputed charges to proper resolution.

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People have changed in dramatic ways over the past five years, and businesses should take that into consideration this holiday season, says one public relations expert.

"As people's values change, so do their shopping habits. To market effectively, businesses should be aware of how their prospective customers have changed," says Marsha Friedman, CEO of EMSI Public Relations (www.emsincorporated.com) in Wesley Chapel, Fla.

Shoppers are fussier, and while recessionary budget concerns are one reason for that, thrift is  not the only value affecting consumer choices, Friedman says.

"Some stem from personal issues. Take me, for instance. As I grow older, I view many more material things as clutter. I want to get rid of the junk in my life and focus on important things," she says.

Friedman is a baby boomer - a group that makes up 26 percent of the U.S. population.

"I'm sure I'm not the only person experiencing a change in how I view material goods, what's 'clutter' and what's meaningful," she says.

Other changing values have arisen from global concerns, such as the world's reliance on oil,  growing environmental issues, and whether goods were manufactured here or abroad, she says.

"Businesses that want to cash in on holiday shopping can set themselves apart with a message that appeals to their audience's changing values," Friedman says.

Here are her tips for developing a new marketing approach that's in sync with the times:

• Identify what makes your product appealing to customers' values. If your homemade soaps are produced right here in the U.S.A., brag about it! In a recent poll, 90 percent of us rated "keeping jobs in America" as the No. 1 step the government can take to help us economically. Many shoppers have friends or family members who are unemployed or underemployed; that makes for a greater appreciation of businesses that create jobs here at home. Your "made in America" label is valuable! Does your packaging use recycled materials - or is it recyclable? There are now 69 percent of us recycling, according to a National Geographic poll. Does your manufacturing process use a renewable energy source?  More than half of us think it's more important to develop alternative sources of energy than to find more oil.

• Become an expert. You can gain valuable media exposure for your company or product by positioning yourself (or your spokesman) as an industry expert with useful information to share. For instance, if you're highlighting the fact that your product is made in America because you to help put Americans to work, offer them suggestions based on your experience. What are skills employers value? What are the biggest mistakes applicants make during interviews?

•  Which channels will be best for getting your message out? Where does your audience get its news and entertainment? Are they using social media? Reading the newspaper? Listening to radio or watching TV? Or a mix of all four? On social media, you can share your expertise by offering useful information and links to resources, and engaging in conversations. Print is a great medium for providing consumer tips, as is TV, which is also perfect if your message has a visual component. Talk radio shows look for debate and information that solves problems. On social media, you can build a following of fans who help spread your message, while mentions in (or appearances on) traditional media will give you the implied endorsement of journalists and talk show hosts.

• Choose a messenger who's accessible. If you're the CEO and the person best qualified to be interviewed by journalists and show hosts, you may be the perfect spokesperson. But if you're so busy you can't drop what you're doing to respond to interview requests, you will lose valuable media opportunities. Your messenger should be a person who is well-versed on the chosen area of expertise - and available at the drop of a hat.

If your message hasn't changed with the times, Friedman says, now is a good time to think about your company or product in a new light.

"If you look at it from the shoppers' perspective, you may just see something that appeals to consumers' changing values," she says. "Turn that into a message that resonates with potential customers and you may just have your best holiday ever.

About Marsha Friedman

Marsha Friedman is a 22-year veteran of the public relations industry. She is the CEO of EMSI Public Relations (www.emsincorporated.com), a national firm that provides PR strategy and publicity services to corporations, entertainers, authors and professional firms. Marsha is the author of Celebritize Yourself: The 3-Step Method to Increase Your Visibility and Explode Your Business and she can also be heard weekly on her Blog Talk Radio Show, EMSI's PR Insider every Thursday at 3:00 PM EST.

First National Bank is building a new Full-Service Office in Davenport

Davenport, IA (September 25, 2012) - First National Bank broke ground last week on a new 3,000 square foot bank located at 4500 East 53rd Street in Davenport.  The full-service office will feature lobby, drive-up, and ATM teller services, as well as a night drop location. The bank will also offer safe deposit services on site. Loan services will include Real Estate, Agricultural, Commercial, and Consumer lending.

Jamie Burt, President of First National Bank, is excited to better serve the Iowa Quad Cities. "We are looking forward to welcoming current customers and new friends at the upcoming Grand Opening event."  The Grand Opening will take place in late January with more details to come as construction progresses.

First National Bank is a $70 million community bank in the Quad Cities with offices presently in Davenport, Bettendorf, Moline and Cairo, IL.  First National Bank is part of the Farrar Banking Group based in Pierre, South Dakota with additional banking operations in Minnesota, Nebraska, Colorado, Texas, Nevada, New Mexico and Arizona.

For more information about First National Bank and their new location please call the bank at 563-441-1700 or visit their website at www.firstnationalbanks.com.

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(Moline) - Zimmerman Honda will be having the ribbon cutting and Grand Opening Celebration at the new Honda facility at 5:30 p.m. on Thursday, October 4, 2012.

Following the ribbon cutting ceremony, there is an invitation only grand opening VIP celebration. Mark Zimmerman of Zimmerman Honda will present a $5,000 check that evening to an area school that has won the Zimmerman Honda Spirit Award. A contest, where students and friends were encouraged to vote for their school was held online and the winner will be announced Thursday evening.

This year is also the 60th anniversary for Zimmerman Honda.

Honda has allocated additional inventory just for the grand opening celebration of the new dealership.

Zimmerman Honda moved into their new $10 million building completed at the end of August. It is a state of the art building for today's car buying and service needs.

The newly annexed property by the City of Moline is at 70th Street and John Deere Road in Moline. The building is 43,000 square feet that includes: Environmentally-friendly heating provided by waste-oil, Heated outside sidewalks, Modern waiting lounges with a computer center that has wifi access, 27 Service Bays, Three-lane "Express Lube" oil change stations, expanded hours in all departments and expanded shuttle services.
WASHINGTON - Sen. Chuck Grassley of Iowa and Sen. Mark Kirk of Illinois today asked Treasury Secretary Timothy Geithner to explain his apparent inaction to stem the dominance and inform the public of a rigged interest rate that affects interest rates on mortgages, student loans, credit cards and other loans.
"Taxpayers need to know there's a cop on the beat at the Treasury Department, making sure the interest rates they pay on everything from home loans to retirement investments aren't rigged," Grassley said.  "If the attitude of the Treasury Secretary is that it isn't his responsibility to take action or to tell the public, that's going to harm confidence in our financial system and create a lack of certainty."
"We need the Treasury Department to take swift action to inform consumers, homeowners, students and other borrowers about potential impacts of faulty interest rates," said Kirk, a member of the Senate Committee on Banking, Housing and Urban Affairs.  "We cannot expect confidence in our financial system to last without this crucial information, and the Treasury should consider alternative solutions to boost confidence in the marketplace."
The London interbank offered rate, or LIBOR, is the average interest rate that banks use to borrow from each other.  Set in London, the rate is one of the main rates that determine the cost of interest for trillions of dollars of loans on a variety of everyday consumer loans such as mortgages and more complicated financial instruments such as derivatives.
In recent testimony before Congress, Geithner said that when as president of the Federal Reserve Bank of New York, he became aware of concerns that the LIBOR rate was being rigged, he deferred to the British central bankers to fix the problem.  Despite those concerns, Geithner appears not to have taken action "to diminish use of this flawed index in U.S. financial markets; to the contrary, Treasury's use of LIBOR has increased," Grassley and Kirk wrote in a letter to Geithner.
Grassley and Kirk asked Geithner to answer questions including whether the Treasury Department considered the risk to U.S. borrowers, including state, municipal, and local governments facing higher debt burdens as a result of the LIBOR scandal; whether U.S. officials considered the litigation risks to U.S. borrowers in deciding to raise the LIBOR scandal only to the attention of British central banks rather than U.S. lenders and borrowers; and whether the Treasury Department's continued reliance on LIBOR is affecting borrower access to Small Business Administration loans.
Grassley and Kirk concluded, "In the wake of this scandal, we believe that it is essential to undertake steps to consider the creation of an American-based interest rate index. If U.S. investors and borrowers have suffered financial harm from our dependence on an index set in London, they have the right to expect the country's leaders to support better alternatives. Complacency in the wake of losses and lawsuits will diminish both investor and borrower confidence regarding debt securities issued in U.S. financial markets."
The text of the Grassley-Kirk letter to Geithner is available here.
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