7 Tips for Protecting Your Identity & Money

At least 110 million consumers were affected by the hack involving Target and Neiman Marcus retailers. Whether or not millions more will have their identities manipulated and finances ruined within the coming months due to more breaches of security at other stores is anyone's guess, says identity theft recovery expert Scott A. Merritt.

"By necessity, I became an expert on identity theft. My information was stolen in 2006, and in repairing the damage, I learned some not-so-obvious ways we can all protect against identity theft in the first place," says Merritt, CEO of Merritt & Associates (scottamerritt.com) and author of  "Identity Theft Do's and Don'ts."

Merritt's problems began quickly. While disputing financial charges and dealing with resulting business problems, in 2007 he was stopped for a traffic violation and arrested on a false outstanding felony warrant. He immediately knew why.

"I had to enlist my U.S. congressman and convince the state police, NCIC, FBI and Secret Service that I didn't commit the felonies. For a few years, I had to prove that the prints did not match the false record in question. After legal action, however, I was able to have this corrected."

Unfortunately, the millions affected by the recent hacks may be dealing with similar repercussions in the years ahead, he says.

Before you become a victim of identity theft, Merritt offers seven ways to guard against it.

• Understand how and where it happens. Identity theft is like being robbed when you are away from home; most thefts occur in places where you do business every day. Either a place of business is robbed, a bad employee acts improperly or a hacker breaches the office through the computer.

• Secure your wallet's information. Photocopy everything in your wallet: photos, credit cards (front and back), membership cards - everything. Put the copies in the order the cards are arranged in your wallet, staple the pictures and place them in a strong box or safe.

• Make sure your information is consistent. For all of your identity and financial documents, make absolutely sure, to the smallest detail, that all of your personal information is accurate and consistent! Discrepancies such as using your middle initial on some documents, and not others, or having different addresses, can wreck havoc in proving your identity, and can compromise your credit score.

• Secure your digital habits and data. Change your passwords at least twice a year on a non-scheduled basis - don't be predictable. Have a strong firewall if you shop online, and only access sites that are protected by a strong firewall and high industry standards. Access accounts of a financial nature only from your personal computer.

• Protect your banking information. While in the bank, keep account numbers and other data out of sight, and avoid stating account numbers, Social Security numbers and similar information out loud. When planning a bank visit, have items such as deposits and withdrawal slips prepared in advance.

• Account for your interactions with vendors. Every time you speak to someone with whom you do business, write down the time, date, name and the purpose or outcome of the call. If an identity theft occurs on the vendor's end, you will be able to reference these prior conversations effectively. Be sure to note any animosity or reluctance from the vendor.

• Don't carry around your birth certificate or Social Security card. Unless it's necessary, keep those vital items in a safe, or at least a firebox. If you know someone is going to need a copy of your tax returns or your driver's license, for example, make the copies ahead of time. This avoids the need for a firm's employee to leave the room with such information.

"Of course, you can greatly reduce being a victim of such recent hacks that occurred at the major retailers by using cash more often," he says. "But if you're going to use credit, use a card from a national bank or a national credit union and never a debit card, no exceptions."

About Scott A. Merritt

Scott A. Merritt is the CEO and sole stockholder of Merritt Ventures, Inc., doing business as Merritt & Associates and author of "Identity Theft Do's and Don'ts." He has more than a decade of experience in the real estate industry, financial planning, insurance, investment services, and has more than a decade in mortgage services, all under the umbrella of Merritt Ventures. Merritt holds a life, accident and health insurance license, and a principal associate real estate broker's license. He has an associate degree in pre-law, a bachelor's degree in business administration and a certificate in computer information systems. He has personally represented himself and won in court hundreds of times to, in part, clear his record from the ravages of identity theft.

During his State of the Union address, the President said that success is limited only by the "strength of our work ethic and scope of our dreams."  By pointing out "the son of a barkeep is Speaker of the House," the President identified a unifying principle in which 535 lawmakers and the President can agree.  America is the land of opportunity.  Americans enjoy an inherent right to work for their own success and keep the lion's share of what they've earned.

To allow space for a thriving economy and civil society in which Americans can pursue their own dreams, the nation's founders enshrined principles of self-governance in the U.S. Constitution that created separation of powers among three branches of government.  The people's branch makes the laws.  The executive branch enforces the laws, and the judicial branch interprets the laws.

That's why it's alarming to hear the President report to America that he will bypass Congress when he sees fit.  It appears he's prepared to circumvent the Constitution and ignore our system of checks and balances.  Armed with his phone and a pen, the President has signaled he will unilaterally evade the will of the people as expressed through one of the co-equal branches of government.  Considering steps already taken by this Administration in the last year, it is cause for concern when the President says that 2014 will be a "year of action."

Keep in mind where the Obama administration already has taken liberties with its interpretation of the Constitution and laws passed by Congress:

Advice and Consent. The Supreme Court in January heard oral arguments to determine whether President Obama overstepped a constitutional boundary by appointing nominees to the National Labor Relations Board.  The President claimed the Senate was in recess, unable to provide advice and consent.  However, the Senate was holding pro forma sessions, not adjourned in recess.

Controlled Substances Act. The Obama Administration sent a dangerous, mixed signal to youth and local law enforcement across America when the Department of Justice announced it would not prioritize the prosecution of the large-scale trafficking and sale of marijuana. The Controlled Substances Act criminalizes the cultivation, trafficking, sale and use of marijuana. I'm hearing from Iowa law enforcement of a troubling increased presence of marijuana stemming from Colorado's legalization of medical marijuana.  With full legalization now in effect, this problem is likely to worsen.  As co-chairman of the Senate Caucus on International Narcotics Control, I agree with a top official at the Drug Enforcement Administration who testified that efforts to legalize marijuana are "reckless and irresponsible."  Marijuana is widely recognized as a gateway drug to other illicit, lethal drugs.  Considering the implications to local law enforcement, public health and traffic safety, the Justice Department's "wink and a nod" approach to enforcing the Controlled Substances Act is more than disappointing.

Affordable Care Act. The Administration's signature health care law had a miserable debut in October with the rollout of HealthCare.gov.  Aside from on-going sign-up snafus, the President has enforced the Affordable Care Act as with the help of a roulette wheel, picking and choosing which mandates, waivers, penalties and fees to enforce.  It's a gamble the nation's recovering economy and growing national debt cannot afford.  Everyone agrees the Affordable Care Act has systemic flaws.  Now the President is using his pen to re-write the law without congressional consent.  It sure would be helpful if the President also had a magic wand up his sleeve.  He could use it to jump-start economic growth since productivity will drop over the next decade when as many as 2.5 million workers drop out of the workforce due to the new disincentive to work created by the Affordable Care Act, according to an analysis by the nonpartisan Congressional Budget Office.  When people exit the workforce, it's bad for economic growth.

So much for the President's call for a "year of action."  The Administration is on track for a year of overreaction.  Overstepping constitutional limits or enforcing laws for political convenience sow bad seeds into our system of self-government.  If allowed to take root, their growth would have a corrosive effect on the people's right to be heard through their elected representatives.

Centralizing power into the executive branch renders the commander-in-chief the only arbiter of the public good.  Therein lies the rub.  Limited government, separated into three branches, protects the individual rights of citizens.  Each branch has constitutional oversight authority to prevent overgrowth of one branch over the other on America's tree of freedom and liberty.

It's time for a reality check.  In keeping with the President's stated commitment to unprecedented levels of openness and transparency, I've written to the U.S. Attorney General to direct the Department of Justice to publicly disclose its legal analyses of all executive orders by the President.  Since passage of the Judiciary Act of 1789, the Attorney General has been authorized to render opinions on matters of law and issues of constitutionality.

The American people and Congress ought to know if the President's executive orders have withstood rigorous constitutional review.  If the President can't persuade the people's branch on the merit of his ideas, the American people have a right to know if his ideas are being implemented in a way that is consistent with the Constitution.

Friday, February 14, 2014
When three friends go searching for a giant sea monster,

they find something they didn't expect: Captain Nemo and his crew of sailors aboard his incredible submarine!

Captain Nemo may be crazy, but will he be successfulon his quest to save the oceans?

Go on the adventure with Captain Nemo as they travel the oceans, encountering strange underwater creatures and the giant sea monster that might destroy the submarine - and Nemo's dreams along with it!


Performances:
Saturday, February 15th : 1:00pm & 4:00pm
Sunday, February 16th : 2:00pm
Saturday, February 22nd : 1:00pm & 4:00pm
Sunday, February 23rd : 2:00pm

Admission: $5.00 for Kids, $7.00 for Adults 


Unfamiliar with our location? Click here for a map!
The Safer Foundation, Davenport, seeks businesses and organizations to participate in its ninth annual "Safer Sacks" initiative.

To participate, each business designates a contact person who will act as "point person" for lunch orders on Thursday, April 10.

Lunch consists of a croissant sandwich with ham, turkey and cheese, (condiments on the side) chips, cookie and fruit. Cost is $5 per lunch if picked up at The Center, 1411 Brady St., Davenport; or $6 if delivered.

Individuals willing to assist their business/organization/school in being the contact person will have e-mail access, promote the event to co-workers by email, provide order forms, email or fax the order back to The Safer Foundation, then collect money for delivery or pick up.

All money earned through this event goes to The Safer Foundation's Employment Services and Youth Empowerment programs in Moline, Rock Island and Davenport. Last year, The Safer Foundation earned over $10,000 through this annual fundraiser, with all the money staying in the Quad-Cities.

For more than 40 years, The Safer Foundation's mission has focused on reducing recidivism by supporting, through a full spectrum of services, the efforts of people with criminal records to become employed, law-abiding members of the community.

To participate or for more information about "Safer Sacks," contact Sue Davison, QC Manager at sue.davison@saferfoundation.org. or at 563.322.7002. The cut-off date to place orders is March 28th.

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Davenport, IA-Due to the heavy snow storms on the east coast this week, Elissa Lee Koljonen is unable to travel the Quad Cities for this weekend's performance with the Quad City Symphony Orchestra. Her husband, violist Roberto Díaz, was able to get a flight to Chicago and will be performing as scheduled this weekend. He will be joined in performing Mozart's Sinfonia Concertante for Violin and Viola by one of America's greatest violinists and the concertmaster of the Chicago Symphony Orchestra Robert Chen. This is a return engagement for Chen who performed the Barber Violin Concerto with the QCSO in 2002.

Robert Chen has been concertmaster of the Chicago Symphony Orchestra since 1999. During his years as the CSO concertmaster, he has been featured as soloist with Daniel Barenboim, Pierre Boulez, Bernard Haitink, Christoph Eschenbach, Charles Dutoit, Ton Koopman, and James Colon. He gave the CSO premiere of György Ligeti's Violin Concerto, Elliott Carter's Violin Concerto, and Witold Lutoslawski's Chain Two, as well as the world premiere of Augusta Read Thomas's Astral Canticle. Most recently, he appeared as soloist on subscription concerts at Orchestra Hall in October 2013 as soloist in Hindemith's Violin Concerto with Riccardo Muti conducting.

In addition to his duties as concertmaster, Chen enjoys a solo career that include performances with the Los Angeles Philharmonic, Swedish Radio Orchestra, Moscow Philharmonic, New Japan Philharmonic, NDR Orchestra of Hanover, and the Bournemouth Symphony, collaborating with conductors such as Esa-Pekka Salonen, Manfred Honeck, Pavel Kogan, and Andreas Delfs.

The Quad City Symphony Orchestra is also performing romantic favorite, Fauré's Suite from Pelleas and Melisande, and Mendelssohn's "Italian" Symphony. Masterworks 4 will be performed on February 15 and 16. Saturday evening's concert is at the Adler Theatre in Davenport at 7:30 p.m., and followed on Sunday afternoon at 2:00 p.m. at Centennial Hall in Rock Island. This concert is sponsored by John Deere.

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WASHINGTON, Feb. 14, 2014 - Agriculture Secretary Tom Vilsack announced that up to $35 million will be provided during the next three years to help landowners conserve grasslands and wetlands in the Prairie Pothole region. The announcement was made on the Secretary's behalf by Under Secretary for Natural Resources and Environment Robert Bonnie.

Farmers, ranchers and conservation partners will have access to a mix of financial and technical assistance opportunities through the Natural Resources Conservation Service (NRCS) to restore wetlands and grasslands.

"This region of North Dakota, South Dakota, Minnesota, Iowa and Montana provides critical breeding and nesting habitat for more than 60 percent of the nation's migratory waterfowl," Bonnie said of the Prairie Pothole region. "Our goal is to help landowners manage their working lands in a way that's compatible with agricultural production and good stewardship of the soil, water and habitat resources of the area so we are really talking about keeping working lands working."

The wetlands and grasslands that characterize the region provide vital water storage to reduce regional flooding, improve water quality, and have tremendous potential to store carbon in soils, which reduces the level of carbon dioxide in the atmosphere, one of the leading greenhouse gases contributing to climate change.

The funding comes in a couple of pieces, including:

  • Environmental Quality Incentives Program: The agency's largest conservation program will help producers with expiring Conservation Reserve Program contracts keep their lands as working grasslands or haylands through implementation of prescribed grazing and other conservation practices.
  • Ducks Unlimited-NRCS partnership for carbon credits: NRCS is working with North Dakota, South Dakota and Montana to create a carbon credit marketing system for landowners who agreed to avoid tilling grasslands. This work started in 2011 in North Dakota as part of a Conservation Innovation Grant, but now it's being expanded to the three states. Through this system, interested landowners can keep their land in grass, continue grazing and haying, and generate verified carbon credits that place a conservation easement on their land. These credits can be sold or traded into existing voluntary carbon markets.

NRCS also is providing additional technical assistance to complete certified wetland determinations, needed by producers to meet conservation compliance requirements first put in place in 1985.

Additionally, the 2014 Farm Bill has expanded opportunities for conserving grasslands and wetlands, including those in the Prairie Pothole region. To find out more about USDA's efforts to work with producers in the region click here. USDA also recently solicited proposals for Conservation Innovation Grants.

For more information on these opportunities, visit a local NRCS field office or the NRCS website.

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USDA is an equal opportunity provider and employer. To file a complaint of discrimination, write: USDA, Office of the Assistant Secretary for Civil Rights, Office of Adjudication, 1400 Independence Ave., SW, Washington, DC 20250-9410 or call (866) 632-9992 (Toll-free Customer Service), (800) 877-8339 (Local or Federal relay), (866) 377-8642 (Relay voice users).


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CHARLESTON, IL (02/14/2014)(readMedia)-- Ian Yazbec of Moline, IL was one of more than 820 Fall 2013 graduates at Eastern Illinois University.

Undergraduate and graduate students were certified by their respective deans as having completed all requirements leading to the awarding of degrees.

Located in Charleston, IL, Eastern Illinois University has a rich tradition of preparing students to accomplish their life goals through a great combination of quality academics and personal relationships. Consistently ranked in the top third of Midwest universities in its class by U.S. News and World Report, Eastern has earned its reputation by offering a wide variety of undergraduate and graduate programs taught by an experienced and caring faculty. In addition to reasonable tuition, fees, and room and board rates, Eastern offers a textbook rental system, saving the average student hundreds of dollars per semester. For more information, visit www.eiu.edu.

Bettendorf – The Family Museum has announced the launch of a new and improved website that will provide visitors with Museum information through an easy-to-use, mobile-friendly site.

The Family Museum website remodel addresses programming changes made at the Family Museum over the last five years through goals set in the Museum's strategic plan. Programming at the Museum has shifted from mostly pre-paid and pre-registered classes to more Drop-In classes which serve a wider audience and are included with paid admission. While planning a visit to the Family Museum, guests to the new website will be able to navigate more easily through the hundreds of events offered at the Museum and discover all that the Family Museum has to offer.

The site overhaul also addresses the change in technology over the last several years. "Our analytics show us that back in 2008 only about 2% of our website visitors were using a smartphone to access our information. Today the percent of people using smartphones and tablets is closer to 60. We needed to adjust our website by improving the navigation and functionality to accommodate our guests," said Public Relations Coordinator Elly Gerdts.

The Family Museum Foundation provided the funds needed for the update. The Family Museum used Terrostar Interactive Media for web design. The website can be found at www.familymuseum.org.

The Family Museum is a hands-on, interactive children's museum located in Bettendorf, Iowa. In addition to the 44,000 square feet of exhibit space, the Museum also offers Drop-In programs, comprehensive dance classes, special events, and summer camps. Children and adults are invited to Play and Learn Together!

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Legislation would help lower the costs of biodiesel

WASHINGTON, D.C. - U.S. Senators Maria Cantwell (D-WA) and Chuck Grassley (R-IA) have introduced bipartisan legislation to reinstate a tax incentive for the production of domestic biodiesel that will help spur job creation and boost America's supply of cleaner alternatives to imported fossil fuels.

The measure, the Biodiesel Tax Incentive Reform and Extension Act of 2014, or S. 2021, would reform and extend the $1-per-gallon tax credit for biodiesel producers through 2017 after Congress allowed the law to lapse at the end of 2013. Congress has allowed the credit to expire three times since the end of 2009.

"Investing in America's clean energy economy is the smart thing to do for our environment and America's energy security," Cantwell said. "Biodiesel is America's first advanced biofuel, which can be made from a variety of feedstocks such as cooking grease and soybeans. This legislation gives businesses the certainty they need to invest in biodiesel and the development of affordable, domestic alternatives to fossil fuels."

"When investors suspend their funding of clean energy production, jobs fall by the wayside," Grassley said. "Continuing incentives for biodiesel and other green energy sources supports jobs, helps the environment and increases energy independence. There's every reason to support biodiesel production."

Industry growth stopped after Congress let the credit expire in 2012 and production remained flat at just under 1.1 billion gallons - the same level as 2011. When the credit was reinstated in 2013, the U.S. biodiesel industry produced1.8 billion gallons in that year.

The bipartisan Biodiesel Tax Incentive Reform and Extension Act of 2014 would provide predictability to investors and producers so the United States can continue moving forward to displace imported fossil fuels with low carbon, renewable biodiesel. Biodiesel reduces greenhouse gas emissions by as much as 86 percent when compared with petroleum diesel, according to the Environmental Protection Agency (EPA). Biodiesel is America's first commercial-scale U.S. fuel to meet the EPA's definition of an advanced biofuel. EPA approved feedstocks include waste oils (like restaurant grease); animal fats; algae; cover crops; inedible oils from ethanol production; and secondary oils from crushed soybeans and canola seeds.

Specifically, the Cantwell-Grassley measure:

  • Provides a $1 per-gallon tax credit for the production of biodiesel, renewable diesel and aviation jet fuel that complies with fuel standards and Clean Air Act requirements.
  • Increases the credit from $1 to $1.10 for the first 15 million gallons of biodiesel produced by small producers with an annual production capacity of less than 60 million gallons.
  • Eliminates potential abuses and simplifies how the tax is administered by restricting the credit to fuel producers and excluding fuel blenders from eligibility. By focusing on production, this bill would eliminate any remaining opportunity for abuse known as "splash and dash" in which oil companies add a few drops of biodiesel to petroleum diesel to qualify for the tax credit. The change also ensures the credit benefits domestic producers - the old law allowed blenders to receive the credit for blends that included foreign-imported biodiesel.
  • Simplifies the definition of "biodiesel" to encourage production from any biomass-based feedstock or recycled oils and fats.
  • Tightens compliance and reduces administrative burdens on taxpayers by simplifying the coordination between the income tax credit and the excise tax liability.
  • Extends this tax credit for three years, giving needed financial predictability so that more facilities can be brought online in the United States.

The biodiesel tax credit continues to play an important role in supporting the development of this advanced biofuel that displaces foreign petroleum, provides environmental benefits, and promotes jobs and economic development, particularly in rural America.

 

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"60-Day Hunger Drive" aims to raise $100,000 to alleviate hunger in Illinois and western Indiana

 

Champaign, Ill. - Birkey's Farm Store, Inc., a full-line Case IH dealer with 13 locations in central Illinois and Indiana, is partnering with the River Bend Foodbank and 6 other local food banks to provide 600,000 meals for the hungry. The 60-Day Hunger Drive fundraiser kicked off on Feb. 3 and runs until April 4 in every Birkey's location. A fully restored 1954 Farmall tractor will travel across the state to encourage donations; individuals who give $10 or more are entered into a drawing to win it.

Customers and community members are invited to an open house at each Birkey's location to talk with food bank representatives and view the restored tractor. Locations supporting the River Bend Foodbank include Macomb on Feb. 25 from 7 a.m. to 1 p.m., Annawan on Feb. 27 from 7 a.m. to 1 p.m., Henry on Feb. 28 from 7:30 a.m. to 1 p.m., Polo on March 4 from 7 a.m. to 1 p.m., Prophetstown on March 6 from 7:30 a.m. to 1 p.m., and Galesburg on March 7 from 11:30 a.m. to 2 p.m.

"Instead of asking for food donations, we wanted to take a different approach and leverage the food banks. Using their networks, a dollar donated can be stretched into 6 meals for hungry families," says Mike Hedge, President and CEO of Birkey's.

The food banks in Illinois and western Indiana are pleased to partner with Birkey's in the fight against hunger," says Jim Hires, President of the board of directors of Feeding Illinois. "Their commitment to local communities will make a huge difference in the lives of the individuals we serve."

Customers, residents and store employees can donate at any of the company's 13 locations with cash or check, or by adding a donation to their total purchase. Donations can also be made through Birkey's website. Proceeds from each Birkey's location will be allocated to agencies in that store's local community. More than 550 agencies?food pantries, soup kitchens and shelters?will benefit from the drive.

"Our farm customers are growing crops that help to feed our world. This drive is one way for us to partner with them and carry out this mission on a local level," says Hedge.

In the 47 counties served by Birkey's Farm Stores, Inc., more than 286,000 people are not able to access a nutritious meal when they want it, and one in five children are food insecure. Food banks selected to benefit from the drive are all part of the Feeding Illinois or Feeding Indiana's Hungry (FIsH) networks.

Champaign-based Birkey's has locations throughout central and northern Illinois, and in western Indiana. The event is part of the company's 60th anniversary celebration.

River Bend Foodbank is the largest hunger relief organization in the Quad Cities and surrounding communities, distributing more than 8 million lbs of food annually to more than 300 charitable feeding programs throughout a 22 county service area in Eastern Iowa and Western Illinois. Childhood hunger programs include the Backpack Program which provides up to 1700 Quad City children with nourishing food to take home on the weekends during the school year, the Kids Café Program providing evening meals to children at three sites, and the Mobile Food Pantry which directly feeds thousands of families each month.

 

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