Category Archives: iowa

Texting while driving in Iowa – ILLEGAL!

It’s now illegal to text while driving in the state of Iowa. Iowa and Nebraska are now joining 26 other states and the District of Colombia with laws banning texting while driving.

I’m unsure of the fine though. According to the lacrossetribune you’re going to get bitch slapped with a $30 fine. Watch out! But wowt.com reports “In Iowa, the first year will result in a warning, followed next year by a $100 fine.”

If using the cell phone and texting is causing deaths, then why not follow Nebraska with their more strict enforcement of this law ”

In Nebraska, there is no grace period. First offense drivers face a $200 fine, second offense $300 and third offense a $500 fine. Three points are also taken off a driver’s license in Nebraska.

And wear a seat belt.

Iowa Mortgage

What to Expect When Buying a Home in Iowa

Maybe you’re buying your first home in Iowa, or perhaps you’re relocating to Iowa from another state. Either way, it’s important that you educate yourself on Iowa home loans before shopping

for a home and mortgage. This article explains what you’ll need to know before buying a home in Iowa:

The median home value in the state of Iowa is $82,500. Current interest rates in Iowa are above the national average, and job growth rates are below the national average.

In the state of Iowa, purchase transactions on sub-prime loans are subject to a $30,000 minimum. Additionally, if you live in Iowa and file bankruptcy, you do not necessarily have to forfeit your home. If you have been current on your payments and continue to be, state law does not require you to surrender your home.

If you’re buying a home in southern Iowa, you qualify for state FHA loans through the Southern Iowa Home Ownership Program. First-time home buyers qualify for loans with below-market interest rates and down payment assistance. Borrowers must meet certain income requirements and specific guidelines, and must purchase a home in a southern Iowa county: Appanoose, Davis, Jefferson, Keokuk, Lucas, Mahaska, Monroe, Van Buren Wapello, or Wayne.

These loans are revolving, so there are only a specific number that can be given out at any period of time. When a person with a FHA loan through this program sells their home or refinances it, then their loan is made available to another qualified applicant.

About the Author

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about on the mortgage lending process. http://www.mortgage-lenders-plus.com/

Playing the Iowa Lottery

Though the odds are not necessarily in your favor, there is always a possibility that you can hit the jackpot with Iowa Powerball. Even though your odds are not great, you still have just as much of a chance at winning per ticket than anyone else. The Iowa Powerball lottery game involves choosing six different numbers. Five of these numbers must range from one to fifty-five, and the sixth number, the Powerball number, must fall between one and forty-two.

The rules of the game are simple. If you get all six Iowa Power Ball numbers correct, you win the jackpot. This is a really big deal, considering that it has been more than six hundred million dollars in the past! Jackpots can get so large because Power ball lottery game tickets are sold in twenty-seven different states, making it the largest multi-state lottery in the country. The Iowa Powerball lottery jackpot builds from one drawing to the next, and if there is no winner of a drawing, the jackpot amount rolls over. This means that a single winner could win more money from the Iowa Power Ball lottery than he or she could ever imagine.

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Iowa Payroll Law and Practice

he Iowa State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is:

Department of Revenue Income Tax Division Hoover State Office Bldg. P.O. Box 10457 Des Moines, IA 50306-0457 (515) 281-3114 (800) 367-3388 (in state) www.state.ia.us/tax

Iowa requires that you use Iowa form “IA W-4, Centralized Employee Registry Reporting Form/Employee Withholding Allowance Certificate” instead of a Federal W-4 Form for Iowa State Income Tax Withholding.

Not all states allow salary reductions made under Section 125 cafeteria plans or 401(k) to be treated in the same manner as the IRS code allows. In Iowa cafeteria plans are not taxable for income tax calculation; taxable for unemployment insurance purposes. 401(k) plan deferrals are not taxable for income taxes; taxable for unemployment purposes.

In Iowa supplemental wages are taxed at a 6% flat rate.

State W-2s are not applicable in the state of Iowa.

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Romantic Destinations in Iowa

When you first think of romance, Iowa might not come to mind. In truth, romantic destinations in Iowa are excellent and show you a beautiful hidden side of this underappreciated state.

Romantic Destinations in Iowa

The Hawkeye State, Iowa, holds much more beauty than a lot of travelers give it credit for. There are ten different travel areas for tourists to explore when they come to this state, from the Northwest area (where you can follow the path of historic explorers Louis and Clark) to the Southeast area that boasts of containing the world’s “crookedest” street. Lovers will also find much to do here, such as solitary hiking and just holing up in a room and enjoying each other’s company – romantic destinations in Iowa are enjoyable for everyone!

Romantic Destinations

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Iowa RV Facilities

In many ways, Iowa is the state where you can step back and experience a more traditional America. You can soak in the atmosphere at any of these Iowa RV facilities.

Iowa RV Facilities

A trip to Iowa can bring many unexpected pleasures. The great outdoors are found in abundance here, with activities ranging from hiking and skiing to fishing and bike trails galore. If you enjoy spending time in the woods, or just seeing nature’s beauty, you will find it all here in Iowa. Easily reachable from much of the Midwest, Iowa is a perfect place to take your recreational vehicle for a family trip. Hop on one of the historic routes and byways designated by the state, and find the area you want to visit.

RV

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History of Iowa

Iowa was originally home to at least 17 Native American tries, although today only the Meskwaki remain.

The first Europeans to reach Iowa were the French explorers, Louis Joliet and Jacques Marquette in 1673. They recorded in their journals that the land was lush, green and fertile.

The United States gained control of the area from France in the 1803 Louisiana Purchase. The first official American settlement began in 1833, and statehood was achieved in 1846.

During the American Civil War (1861 to 1865), Iowa contributed greatly to the Union war effort, including more 60% of its eligible males serving (the highest proportion of any state).

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Relax At Iowa Vacation Rental

Iowa is the 29th state of the USA, which is surrounded by two great rivers that are Mississippi and Missouri. It is also known for its rich agriculture production of corn and soybean. It’s a great city that offers an excitement, adventure and rich history. Cuisine, land farms, museums etc are some of the elements which attracts travelers from all over the world. Iowa embraces of all those activities which makes, Iowa a perfect place for holidaying. And, a perfect place for relaxation while holidaying in Iowa is Iowa vacation rental.

Vacation rental in Iowa is regarded as home in the holidaying town. It provides all the amenities present in a home such as washer, dyer, refrigerator etc. It also embraces of fully furnished kitchen, in which the vacationer can cook for his family and friends.

Iowa vacation rental can be in the form of condo, cottage, villa, homes and cabins. While choosing the vacation rental in Iowa, the factors which are needed to be considered are number of people (that will stay in rental while holidaying) and budget. Vacation rental in Iowa suits to every pocket. In other words, each of the vacation rentals carries different rent, so he the person can choose as per his budget. They are regarded as an affordable means of lodging as it involves reasonable cost. It can be used for weddings, spending vacations, honeymoons, family reunions etc.

On staying in the vacation rental, vacationer has to pay for the services and amenities present in rental. Staying at vacation rental is a cheap mode as it involves low rent as compared to the rent involved in hotels. Thus, he can save an amount which he can utilize for other purposes while holidaying.

In present scenario majority of the traveling agencies arrange vacation rental at the desired destination. Through internet, locating traveling agency is easier as the person is only needed to write vacation rental on any of the search engine. Thus as a result, numerous agencies arranging vacation rental will be displayed on the screen. In addition to traveling agencies, the person can also book his vacation rental directly through owners of the vacation rental.

Nowadays, it is also seen that many traveling agencies provide a package, in which the person is obliged to making a single payment which includes all the expenses such as accommodation, air tickets etc. By this means, he can save large sum of money which can be utilized while enjoying other activities at Iowa.

About the Author

Sylvestor Johnson is offering loan and rental advice for quite some time. He is working as financial consultant for ThinkRentals. To find Iowa vacation rental, Apartment rentals, Cabin rentals, Condo rentals, Rental homes, Vacation rentals, Beach house vacation rentals at cheap rates that best suits your needs visit http://www.thinkrentals.com

Iowa Themed Gift Basket Ideas

The holidays are always around the cornergift baskets just in case you’re running late!

As you travel through Iowa you will begin to see the meaning behind the terms, “Corn State” or “Hawkeye State” as the state has been phrased. Bordered by Minnesota, Nebraska, South Dakota, Wisconsin, and Missouri, the state of Iowa has produced some celebrities to make not of. Former present of the United States Herber Hoover called Iowa his home. The state also is birthplace of the jazz musician and swing bandleader Glenn Miller. Anyone who loves cowboy movies would be thrilled to find out that John Wayne is also a native to the state. There are many historic events that Iowa has claim to. It’s also here that the Lewis and Clark expedition has been connected to.

Gift Basket Ideas

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Iowa Hawkeyes Football Graduation Success Rate

I was reading about the graduation rate for college football players and the NCAA site has a big database of Division I Graduation Success Rate (GSR) Data but it seems a little outdated. Anyway, it’s spans over 1998-2001 and the graduation rate for Iowa Hawkeyes football players was 75%. Not bad compared to other colleges (*cough* *cough* Iowa State University had only 55%).

The top college with the most football players graduation was Notre Dame with 94% while Arizona came in last at a weak 41%.

The data for the University of Iowa is pretty interesting. From the PDF I read, here are the GSR details for the University of Iowa:

Baseball: 95%
Basketball: 46%
CC/Track: 86%
Football: 75%
Golf: 56%
Gymnastics: 83%
Swimming: 85%
Tennis: 100%
Wrestling: 70%

See all of the data yourself at the NCAA site. See how all the college football programs match up at fanblog.com

Iowa is the Central Cornbelt State

Though not an extremely large state, at 56,000 square miles, Iowa is first in corn and soybean production and also is first in hog production. It is a flat state located between the great North American rivers, the Mississippi on the east, and the Missouri River on the west. The Iowa caucuses are an early political event in the quest for the presidency. That alone may give you an idea for your Iowa Incorporation. After all, billions of dollars go to political consultants each election year and the huge media impact of this event is well known.

Iowa is a strongly agricultural state, and also has historically and still to some extent presently, the production of farm implements, washing machines, refrigerators and processed foods. Its industrial outputs are food processing, machinery, electric equipment, chemical products, nd primary metals. Iowa produces the nation’s largest amount of ethanol for gasoline. Des Moines also serves as a center for the insurance industry.

Central Cornbelt State

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Cedar Rapids Iowa

Cedar Rapids is a city in Linn County, Iowa. Cedar Rapids, which had a population of 120,758 as of the 2000 census, is currently the second most populous city in the state of Iowa, after Des Moines. Cedar Rapids is part of a combined urban area with Iowa City, which lies just to the South. The area was a whole is generally referred to, by locals, as the “Corridor”, and the combined population of the Cedar Rapids/Iowa City corridor is 360,326.

Here is some more information about the area:

- Some of the major companies headquartered in Cedar Rapids include McLeodUSA and Rockwell Collins.

- The main airport serving Cedar Rapids is The Eastern Iowa Airport.

- The main professional sports team in Cedar Rapids is the baseball team, the Cedar Rapids Kernels.

- Cedar Rapids is only one of a handful of cities in the world with its municipal buildings located on island in the river. In the case of Cedar Rapids, city hall and the county courthouse are located on Mays Island, an island in the middle of the Cedar River.

Cedar Rapids Iowa

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Where to Get Cheap Dubuque Auto Insurance

Iowa has some of the lowest auto insurance rates in the United States, which is good news for Dubuque residents looking for car insurance. Even so, insurance costs can vary widely from one insurance company to another and you want to make sure you’re getting the cheapest rate possible. To save on your auto insurance, follow these tips:

Drop Extra Coverages You Don’t Need

You may be paying for insurance coverage you never or rarely need, such as towing and rental coverage. Consider dropping these extra coverages to lower your insurance rate.

Depending on the age of your auto, you may also want to drop your comprehensive and collision coverage. Most insurance companies recommend dropping these coverages if your auto is more than five years old.

Get All the Discounts You Qualify For

Insurance companies offer a variety of discounts that will lower your auto insurance rate. Ask your insurer if you qualify for any of these discounts:
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Cheap Homeowners Insurance Online In Iowa

It would be easy to tell you to just jump online, find one of the many sites that allow you to make comparisons of the prices of homeowner’s insurance policies from a variety of different insurance companies and be done with it.

Unfortunately doing that will not necessarily get you the cheapest homeowner’s insurance that you can find online in Iowa.

The good news is, the steps you need to take before getting online to look for your cheap homeowner’s policy are all relatively easy to take.

Let’s start with smoking. If you smoke you are going to pay more for your homeowner’s insurance. It’s that simple. You need to stop smoking if you want to get the best possible rates. If you already have a homeowner’s insurance policy and you were a smoker at the time you took out the policy but you have since quit, you need to let your agent know as you will be in line for a rather nice reduction in your monthly premiums.
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Iowa is a Better Pace of Life

The capital of Iowa, Des Moines is a sprawling city noted for kicking off the U.S. Presidential campaigns every four years. If you are looking for a more traditional place to raise a family, this may be the place.

Des Moines also serves as the seat of Polk County, and is the center of a growing metropolitan area. With an estimated 196,857 residents in 2006, Des Moines has experienced marginal growth since 1990. The core population peaked at 208,982 in 1960. Since then, outlying suburbs have boosted the overall metro population to over 534,230. While Des Moines has successfully annexed bordering areas, a plan to merge governments with Polk County was soundly rejected by voters. The median age of city residents was 35.6 years in 2006 with 76% of the population being White non-Hispanic. Another 8% were African American, 10% Hispanic and 4% Asian. The African American and Hispanic populations are significantly higher than the Iowa average. About 10% of residents were foreign born, significantly higher than the state average. Over 25% of residents claimed German ancestry. Families made up 62% of Des Moines households. The 2006 median income for households in Des Moines was $41,651, slightly under the state average. It was somewhat below the national average of $46,242. Unemployment in 2006, at 6.8% among the civilian workforce, was greater than the national trend. About 15% of the population lived in poverty, equal in percentage to the number of dropouts in Des Moines.

Iowa is a Better Pace of Life

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Tornado slams into Iowa Boy Scout camp

Tornadoes are deadly and there’s nothing you can do to prevent them. Remember the Iowa City Tornado of 2006?

There’s a new tornado in the news which had a bad outcome.

A tornado slammed a Boy Scout camp in the remote hills of western Iowa on Wednesday, killing at least four people and injuring 40, most of whom were on a hike when the twister struck.

All of the children had been accounted for late Wednesday, after rescuers cut their way through downed trees and debris to reach them, said Russ Lewrenson of the Mondamin Fire Department

You can read the full article about this devistating event here.

Tornado slams into Iowa Boy Scout camp

photo by pingnews

Des Moines Real Estate

Mortgage defaults in the Des Moines real estate market are all over the news, and home sellers are left wondering what will happen to their homes. Without the much needed level of subprime mortgages to balance out the market, how will home purchases rebound, or better yet, remain consistent? Home sellers will need to step up the game in order to entice new buyers to purchase their homes. It is no longer the simple task of finding a mortgage and buying, now, with mortgages being more tight reigned than ever before, it is about showing why your property is THE one to buy.

Home sellers can list their home below market value, offer open houses and even advertise their property only to find that their home remains on the market month after month. Mortgage approvals are following stricter guidelines thanks to a wealth of subprime foreclosures and buyers are feeling the weight of this crunch. If a seller wants to sell their home, they will need to show why the home is a great deal.

Des Moines Real Estate

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June Deer Hunting Tips

Summer is here, the kids are out of school, the first swarm of mosquitoes has arrived. All you bow hunters know that deer season is right around the corner. I am trying to get all my outdoor home projects done before it gets too close to hunting season. The spring food plots are in. The mineral Licks have been made. My summer bow shooting schedule is starting. We have a lot going on.

We have finished our spring food plots. This year we are going to do things differently. Last year we planted all our plots in the fall with our fall blends because of the very dry summer. This spring we had some of the annuals make it through the winter. A few turnips made it along with quite a bit of rape plants.

deer hunting

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Fiction Lessons from the Iowa Writers’ Workshop

The following article was written by TK Kenyan who blogs at tkkenyon.com and fictionlessons.blogspot.com

Don’t Show, Dramatize! — Even Better Than “Show, Don’t Tell.”

I’m sure that, at some point, you’re heard the adage Show, Don’t Tell. There’s even a rather good writing book by that title. Here’s a new aphorism: Dramatize, Don’t Just Show. Important information should be woven into the action and the results of it shown in the scene. It’s a tough concept. Try to think about not telling your audience / reader the info, but just showing the effects of the event and weaving it in insidiously so that the reader just takes it for granted. Bad examples of a good idea:

Telling: Bobbie had an illegitimate child, Ted.

Showing: Bobbie picked up the photo of her and Ted, her son. He was blonde, blue-eyed, and looked like his father, Jim.

Bobbie’s husband, Lars, walked into the kitchen.

Fiction Lessons

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Farm Safety USA

fter gaining momentum from a major PR campaign prior to Farm Safety Week in mid September, and a continuous email and phone marketing campaign to various ag-related industries, organizations and publications, Farm Safety USA is now an international company!

Recently, we broke the 25 farm safety audio series into Canada and New Zealand through the Farm Safety Association’s agricultural field educators who are equally concerned about their children’s health and well-being on the farm.

As Farm Safety USA continues in their dedication to farm children, we have been very successful in creating relationships with many different ag-related companies, organizations and institutions including: several State Farm Bureau Federations, Ag In The Classrooms, Mutual Insurance Companies, Future Farmers of America, a few of the Occupational Safety & Health University extensions and numerous farm families, nationwide.

Farm Safety

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