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LivingAdelfebruary 201450003magazine

Buying a HOMEHOW TO NAVIGATE THE LOCAL HOUSING MARKET SUCCESSFULLY

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www.iowalivingmagazines.com/adel FEBRUARY | 2014 Adel Living 3

welcome By Shane Goodman, [email protected]

LivingLivingIowaIowam a g a z i n e sm a g a z i n e s

Darren TromblayEditor515-953-4822 ext. [email protected]

Dan [email protected]

F ew things in life are as exciting — and as nerve-racking — as buy-ing a home. For most of us, it is the single largest purchase we will ever make, so a great deal of thought and preparation should go into making these decisions. The choices will impact our daily lives for

years, decades or even the remainder of our lifetimes. I vividly remember when my wife and I were looking at homes for the first time. I think I was more scared to buy a home than I was to get married. Looking for homes was fun, but signing the loan documents made beads of sweat run down my forehead. For a guy who had very little debt, borrowing money for a home on a 30-year loan was a real gut check. Fortunately for us, we didn’t stretch beyond our means. We consid-ered new construction and spec homes

but ultimately decided on a 20-year-old split foyer home that needed some work. Both of us had lived in apartments previously, so a home — any home — was a huge step. We had no idea what we were in for. At that stage in our lives, we didn’t even own a broom or a garbage can, let alone a lawn mower or a washing machine. The trips to the local hardware and appliance stores were frequent — and costly. I learned the hard way that an electric dryer doesn’t come with an electric cord and that there is a reset button on what can appear to be a broken electric garbage disposal. Like many of you, we suffered through it, learning along the way. Two decades and three homes later, we are still learning. We are in the midst of a basement finish right now, and we often wonder if we should instead build a new home with everything we want. But that would involve making hundreds of detailed and costly decisions, and that’s not how we want to spend our free time at this stage of our lives. Meanwhile, many others are making home-buying decisions in the Adel area each year, and a growing number are opting for new construc-tion thanks to a favorable tax abatement plan. Inside, you will learn about the incentives, along with home buying statistics and tips from local experts to help you as you plan for your next home. See you at the hardware store, and thanks for reading.

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H ome sales are up in Adel thanks to a tax abatement program that has saved buyers thousands of dollars in property taxes. New home construction — 47

permits were issued — totaled $12.7 million in 2013, the most since city officials enacted a seven-year property tax abatement pro-gram in 2011. The owner of any new house constructed through

2016 will receive a 100 percent tax abatement for seven years. “That was the catalyst in attracting us to come out and do the development,” says Bill Spencer, president and owner of Landmark Development, the company behind Bailey’s Grove south of Adel. “It also was the catalyst that attracted people to come out to Adel and buy the lots. It was a significant factor in starting the development momentum. Without it, develop-ment just would not have taken off.” Bailey’s Grove started with 19 lots in 2011. Another six were added in 2012 and 47 in 2013. Seven years of no taxes was good news to Becky Bailey, who last year bought a new townhouse in Adel.

“I was very much grateful for the seven-year tax abatement because without that I wouldn’t have been able to purchase this home,” she says. In addition to the no taxes perk, Bailey says she wanted a new house because she didn’t want to have the repairs and maintenance associated with an older house, such as a new roof. Kevin Howe, a Realtor with Iowa Realty, says the tax abatement had a huge effect on the housing market in Adel. There were 116 homes sold in Adel and the sur-rounding area in 2013. Twenty-one of those were new construction. “We’ve seen a huge spike in new construction,” he says. “Part of the attraction has been the tax abatement, but we’ve also talked

feature Submit story ideas to [email protected]

By Melissa Walker

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Above: Construction continues on four bi-attached townhouses in the Evans View neighborhood in Adel. Below: Bill Spencer,

president and owner of Landmark Development, stands in front of one of the houses being constructed at the Bailey’s Grove development. The development started with 19 lots

in 2011. Another six were added in 2012 and 47 in 2013. More could be added in the future depending on the market.

4 Adel Living FEBRUARY | 2014 www.iowalivingmagazines.com/adel

Buying a HOME

HOW TO NAVIGATE THE LOCAL HOUSING MARKET SUCCESSFULLY

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to a lot of people who have moved into Adel for the school system.” Howe says both new homes and existing resale homes have been selling well. The price range for most of the new homes is $250,000 and higher, while resale homes have been selling for lower amounts. Kent Glenn, a Realtor with Anderson Real Estate, says the tax abatement program can make it more difficult for resale homes that are of a comparable price point to a new house. “When you’re looking at a $20,000 to $30,000 savings, it can sway people to the new homes,” he says. Brett Klein, Adel’s city adminis-trator, says there have been other positive offshoots of the tax abate-ment program: increased work for the construction trade and subcon-tractors, as well as more activity for the businesses in Adel as buyers come to town to view lots and houses.

Home-buying process should start with pre-approvalExperts agree the first step in buy-ing a house is to receive pre-approval from a lender. This is as easy as a 10-minute phone call that results in a pre-authorization let-ter that lists how much the buyer can spend, says Tim Canney, the branch manager of Lincoln Savings Bank in Adel. Pre-approval requires the pro-spective buyer to share his or her income and undergo a credit check. Lenders look at the buyer’s debt-to-income ratio when determining the amount of a loan the person can receive. In general, Canney says a person’s debt should not exceed 40 percent of his or her gross income. Canney says real estate agents prefer buyers receive pre-approval before they begin to look at houses to ensure they can afford what they are looking at. Once a purchase agreement is created, all income and tax information is verified in a process that usually takes about 30 days. Howe agrees pre-approval is the first step. “This allows them to under-stand what their buying power is,

and they can start to budget,” he says. Canney says when looking for a lender, prospective buyers should make sure they use one that has access to different types of loans. Various loans require different credit scores and down payment percentages in addition to require-ments for mortgage insurance. Other types of loans have factors that can benefit veterans or young couples by offering 100 percent financing. He also recommends pro-spective buyers ask for recom-mendations or use someone they’ve already done business with when looking for a lender. Canney cautions people from

using online lending sites because he has seen people get taken advantage of with rates and fees.

Real estate agent can help navigate buyers through the complex processHowe also recommends prospec-tive buyers meet with an agent to discuss their wants and needs in a house and pinpoint some geo-graphic areas in which they want to live before they begin looking at houses. There are benefits to working with a real estate agent rather than trying to navigate the home-buy-ing process one’s self, Howe says. These include having the entire process handled by a professional

who is an experienced negotiator from the purchase agreement to questions about lending, financing and fees to resolving issues that could arise during the home inspec-tion. “The bottom line is we can help them make decisions along the way, and if they’re doing it on their own, if you make a mistake, it can be fairly costly,” Howe says. Because there is an aggressive buying market in the Adel area, Glenn recommends buyers offer the best price they can for a house because there is a lot of competi-tion. “Very few people are going to be able to steal a home in this market,” he says, adding that pre-approval is also important. Making a low offer hoping to get a house at a lesser price might backfire in today’s market. Another buyer might come in with a better offer that you would have been will-ing to match. We’re seeing that happen here a little bit lately and that’s just the market,” Glenn says. In addition, experts recom-mend the buyer ask the seller for a home warranty, which typically covers most issues associated with the heating and cooling system, plumbing, electrical, roof and most appliances for one year. Some sell-ers will already offer such a war-ranty as part of an incentive to make their house more attractive to buyers. “Whether it’s a new house or an old house, you’re moving into something you’re not familiar with, so it eliminates any unpleasant surprises for the first year,” Howe says. “It’s a little bit of extra peace of mind. It’s not a substitute for a home inspection, which is going to be pretty thorough and identify any issues with the house or issues that could come up later.” Ken Chapman, owner of Adel TV & Appliance Heating & Cooling, recommends buyers have the heat-ing and cooling system of any house they are considering purchasing inspected by a HVAC professional to ensure it is operating efficiently and has adequate air flow. He says he would recommend replacing any unit that is 16 years


Kevin Howe and Julianna Cullen, Realtors with Iowa Realty, stand in front of a bi-attached townhouse that is being constructed in the Evans View neighborhood in Adel.

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old or older because sometimes older furnaces can cause health problems with carbon monoxide emissions. Eric Schepers, an agent with State Farm, says it’s also important for home buyers to make sure they have the appropriate insurance policy that covers various possible claims so they don’t run into any unforeseen surprises. In addition, he recommends home buyers learn about insurance discounts that are available such as utility rating plan discounts that can be an option for new homes or those houses with new electrical, plumbing and heating and cooling systems and those that are available for home alert systems or certain types of shingles. “Many of my customers that purchase one of these homes have been surprised when the insur-ance costs go down even though they purchased a bigger home,” Schepers says.

Adel’s housing market favors sellers, but more housing is being builtHowe describes the current hous-ing market in Adel as more of a seller’s market, meaning houses sell well with more buyers in the market than houses available. Compared to other central Iowa communities, he says there are fewer houses on the market in Adel and fewer homes than there were a year ago. As of mid-January, there were 49 houses for sale in Adel and the outer area of the town. “That’s another thing that makes it a little more of a seller’s market is there are less homes for sale,” Howe says. “It’s all supply and demand.” Canney, the bank branch man-ager, says rates are favorable for those buying houses. Rates are still considered historically low, though they’re a little higher than they were a few years ago. Depending upon the type of loan and the buyer’s credit, the best rate for a 15-year loan is 3.5 percent, and 4.375 percent for a 30-year loan. Several development compa-nies are currently selling lots to builders, with some houses under

construction. Realtors and city offi-cials expect construction to pick up when spring arrives. Klein, the city administrator, says he expects more activity in 2014 with between 70 and 100 new houses being built.

Spencer, with Landmark Development, says there is more room for another 100 lots at Bailey’s Grove that will be market driven. Of the 47 lots that were platted in 2013, 25 are sold or pre-sold to builders. Those lots are designed for houses that will sell for between $300,000 and $400,000. His company also is considering another site in the city to develop 60- to 70-foot-wide lots that would be entry-level houses. In addition, Spencer says Landmark wants to create a development with estate acreages that would be located on the eastern side of Adel. Spencer also operates Showplace Builders, a company that will build about a half dozen custom houses in Adel this year. Most of the construction has been for sin-gle-family homes — both two-story homes and ranches, he says. Howe says a bi-attached town-home development in the Evans View neighborhood has done well. There were 12 built, four of which are still under construction, and all but two have sold. Several of the sales were to individuals or couples who were looking to downsize. “They’ve been really popular,” he says.



Tim Canney, the branch manager for Lincoln Savings Bank in Adel.

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O ur winter Family Reading Program is in full swing, and we are having so much fun helping people beat the winter blues with great books. There is still time to sign up your family and enter the contest for a chance to win some great prizes. This year’s grand prize is a one-night stay at the Ramada Tropics Resort in Urbandale which includes a room for four and pass-es to their indoor water park. The grand finale of our program is our own version of Cupcake Wars. We’ll have all the ingredients you need to decorate your cupcakes and enter them into the war on Thursday, Feb. 27 at 6 p.m. Stay tuned to www.adelpl.org for the announcement of our panel of Adel celebrity judges. We have two fantastic events in February that are sure to be a great time. On Tuesday, Feb. 11, from 4 to 6 p.m. we’ll be playing board games for all ages, including Bingo, Connect Four, Sorry!, Dominion, Settlers of Catan and many others. Then on Thursday, Feb. 20, we’re going to forget it is winter and have a beach party with fun summer- themed games and smoothies. Children’s activities are a great escape from these Arctic blasts. In addition to our regular weekly activities we have four special kids’ events in February: Our Lego League is back and will gather together to build

all kinds of creative things on Monday, Feb. 3, at 4 p.m. Miss Laura has added new Duplos and a Lego table since the last time we met, and we can’t wait to play. The library will have an Early Out Movie for all school-aged chil-dren in February. On Wednesday, Feb. 26, we’ll watch “Despicable Me 2.” We watch the movies on our big screen at 2 p.m., and pop-corn will be provided.

Have you ever needed a tool you really don’t want to buy or hosted an event and wished you had just one more table? Come and get some stuff. Our new Stuff Shelf has an ever-growing amount of stuff you can check out includ-ing; tools, cake pans, puzzles, Legos and so much more. Stop by the library and see what stuff you might need. Your library will be closed in observance of President’s Day on Monday, Feb. 17. Information about the Adel Public Library and all of our clubs, events and pro-grams is available on our website at www.adelpl.org, or you can fol-low us on our Facebook page or on Twitter at https://twitter.com/AdelLibrary.

library news By Adel Public Library staff

Adel Public Library

Hours: Mon. 10 a.m. - 5 p.m.Tues. - Thur. 10 a.m. - 7 p.m.Fri.: 10 a.m. - 5 p.m.Sat.: 10 a.m. - 1:30 p.m.

Enter library’s own Cupcake Wars on Feb. 27

By Adel Library staff

Reading is sweet Gloria Whisner grew up on a farm near Traer with four brothers and two sis-

ters. Because she was brought up in a musical family, she loved to sing. She was inspired to become a music teacher by her vocal teach-er, Mrs. Cranke, who always had time for her students and made them feel important. Whisner received her bach-elor’s degree in music education from Wartburg College and her special education and reading endorsements from Morningside College. Throughout her educa-tion, she was able to travel across the United States and Europe to sing in places like Carnegie Hall and Notre Dame Cathedral. Today Whisner is a high school resource teacher. She helps stu-dents with skill deficits. After sub-bing for 20 years, she has been at ADM for six. In a normal day, Whisner co-teaches a Strategic Reading class and collaborates in three English II, composition and geometry classes. She teaches reading strategies and works one on one with students during study halls. Whisner finds “the joy of watching a light bulb go off with the “aha” moment of understand-ing” as she assists students to be very rewarding. “High school students keeps us young at heart,” she says. Whisner’s involvement with ADM does not end with the school day. She attends as many

extracurricular events as she can. She feels it’s important for stu-dents to know that teachers truly care and want them to succeed in every way. She feels the expecta-tions ADM puts on its students helps them succeed, and this is shown through both their grades in school as well as their success once they leave. Outside of school Whisner sings in an a capella group, GottaZing, and spends time with her grandchildren. She enjoys music, reading, horseback rid-ing and traveling. She attends the United Methodist Church where she sings in the choir, plays in the bell choir, teaches Bible school and helps organize events. She has been married for 32 years to Mike Whisner, the high school physical education teacher. They have three children Kyle, Alicia, and Kolby along with three grand-children, whom they visit often in Kansas City.

What does Mrs. Whisner do to help you?

Jade Hathaway: “She really takes her time with me and looks to make sure I understand my assignments.”

Isaac Schaefers: “She’s helped me apply for scholarships by sitting down with me one on one.”

Madi Hopkins: “Mrs. Whisner will always ask if I need help and will make time for me if I need it.”

Kyle Goracke: “She helps me understand stuff by taking her time with me.”

Gloria Whisner, right, is a resource teacher at ADM High School.

education Submit story ideas to [email protected]

Teacher makes a difference one student at a timeBy Alexandria Porter

Meet Gloria Whisner

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senior living

Q: Is reminiscing beneficial to the elderly?A: Reminiscing, the process of “life review,” is an important part of old age. Any age actually, as we all share our memories and spend time “filling each other in” on our life histories — who we are and have been, where we have lived, who is important in our life. Reminiscing enhances self-esteem. We all have a life-long need to see ourselves as unique individuals, and the recollection of pleasant experi-ences, past accomplishments and triumphs over adversity is part of this. Reminiscing can be an important tool for socialization. When you meet people you learn about each other by sharing your life experiences. Sometimes family members and friends are concerned if the older adult repeats stories, returning to the same ones again and again. This, too, is part of the life review process. Those stories are probably the ones the person finds the most pleasant to recall, or may concern events he or she might be “working through.” When reminiscing with a person with dementia, it often helps to “jump start” the conversation with old photos, music, smells or things to touch. Ask questions beginning with “Tell me about the time...” Older adults are a treasury of stored experience and information. What a better way to learn what it was like in the “good old days” than from someone who was there?

Information provided by Pam Walker, administrator, Adel Acres Skilled Nursing/Rehabilitation and Long Term Care, 1919 Greene St., 515-993-4511.

recipe Submit ideas to [email protected]

Jan Allen enjoys cooking and bakes and decorates birthday cakes for her six grandchildren.

H ere is a warm, creamy, healthy soup recipe for you to try this month. My husband and I have been changing our way of eating to a much healthier diet. As I men-tioned a few months ago, we have stopped eating wheat, potatoes and rice to limit blood sugar spikes as he is diabetic and I have had high cholesterol. A lower glycemic diet has been very helpful in controlling both of these issues, and I love being able to make some of our favorites in a different way that allows us to enjoy yummy, “good-for-us” food. My mom was a wonderful cook, and her potato soup was some-thing I enjoyed very much. It is one of those comfort foods that just hits the spot on a cold, blustery Iowa winter’s night. I had missed being able to make and enjoy this particular soup — until now. Some of you may remember the recipe for cauliflower crust pizza I submitted a few months ago. You may think I am redundant using cauliflower again, but it is one of those super foods that is very versatile and can be adapted in so many ways. I love this soup. I challenge you to try it once; my guess is you will love it, too, and you won’t have to worry about those blood sugar spikes. It calls for nutritional yeast, possibly something most of you won’t have on hand, but you can find it in health food stores and some grocery stores. I asked one to order it, and they did. It adds a rich, vibrant flavor to the soup, and you can use it in many other dishes as well. You can use frozen or fresh cauliflower. I generally use fresh, and the last batch I used two heads and doubled the rest of the ingredients. Just adapt the recipe to the likes and needs of your family. It isn’t an exact science. I hope you like it. I know your body will.

Faux potato soup

Cauliflower makes this winter favorite healthy

Faux potato soupBy Jan Allen

Ingredients1 head of cauliflower, cut into pieces4 cups fat free chicken broth (I use low sodium.)2 or 3 light Laughing Cow or Weight Watchers cheese wedgesSea salt, black pepper and sprinkles of nutritional yeast to tasteCrumbled turkey bacon(Optional: Garlic or onion powder, cayenne pepper)

Directions1. Bring cauliflower and broth to a boil, then simmer until tender.

2. Using a slotted spoon, scoop cooked cauliflower into a blender. Blend until smooth and creamy.3. Add cheese wedges to the blend-er, blend again until smooth. Return to saucepan and season with sea salt, black pepper, nutritional yeast and any other seasonings you like. Add crumbled turkey bacon.This soup should be a thick, creamy consistency to resemble a potato-based soup. Season to your liking and you can garnish with a bit more crum-bled turkey bacon, a little shredded cheese or some green onion. Enjoy!

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health Q&A

Information provided by Jane Clausen, Adel Health Mart, 113 N. Ninth St., 993-3644.

Information provided by Jodi K. Kuhse D.C., D.I.C.C.P., Luellen Chiropractic, 608 Greene St., Suite C, 993-1117.

Q: How can I reduce my risk for cardiovascular disease?A: February is American Heart Month. Heart disease is a major problem in this country and is the No. 1 killer in women, claiming more lives than all forms of cancer combined. It is estimated that cardiovascular disease costs the United States $312.6 billion each year. The good news is this disease is preventable and controllable with a proper diet, exercise and medication. In November of 2013, the American Heart Association, along with the American College of Cardiology, introduced new guidelines for cholesterol treatment as well as a new risk calculate to estimate the risk of cardiovascu-lar disease in a person in the next 10 years. This calculator then determines the “statin” therapy to be used for prevention. Drug therapy with a “statin” medication is used to help lower LDL cholesterol, the bad cholesterol. Along with drug therapy, adherence to a heart healthy diet is key. This includes eating vegetables, fruits, whole grain, low-fat dairy, fish, poultry and avoiding red meat. Limit sodium intake to less than 2,400 mg per day, which equals about one teaspoon of table salt. Further reduction to less than 1,500 mg is recommended for those with high blood pressure. Exercise is also important, and aerobic activity should occur three to four times a week for 40 minutes. As always, avoid tobacco. If you follow these steps of eating healthy, exercising and adhering to proper drug therapy when prescribed, you can significantly reduce your risk for cardiovascular disease.

Q: How can chiropractic help with training injuries?A: Most everyone embraces the overall importance of exercise. However, with hectic schedules and life demands, we don’t always take the time to fit exercise into our daily routine. Sometimes it is the incon-sistency of being able to work out one week and not the next or lack of motivation to prioritize working out. Therefore, hurried workouts with improper form and lack of training, repetitive training on one routine and poor or inadequate equipment can all lead to injuries. Chiropractors are specifically trained to evaluate and treat musculoskeletal conditions that often arise when exercise is done with improper technique or equipment. Some of the common training conditions that respond well to chiro-practic care without medications or surgery are:

Overuse and misuse of a joint can cause soft tissue damage to the supporting and/or compensating structures that lead to pain, dysfunction and degeneration. Weekend warriors or trained athletes should have their spines and other joints evaluated to assure the musculoskeletal system is functioning at its highest potential. This is essential to address current dysfunctions as well as prevent further degenerative changes of the supporting and compensating structures.


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health Q&A

Information provided by Mike Burggraaf, PT, DPT, LAT, Core Physical Therapy Inc., 516 Nile Kinnick Drive S., Suite B, Adel, 993-5599.

Q: What is an easy way to lose weight?A: Many of us have made a New Year’s resolution to lose some weight. But when it comes right down to it, who wants to diet? The answer to the opening question is the same topic I’ve written about before. There are many health reasons why humans should not eat gluten; but that aside, gluten-free and low-carbohydrate nutrition, particularly with whole foods rather than processed, will allow your body to burn fat and lose weight. If you follow Wheatbelly’s facebook page you’ll see daily pictures of persons who eat according to Dr. William Davis’ guidelines and lose tens and hundreds of pounds in short periods of time. I purposefully did not call this a diet, and that is because you won’t feel hungry. You will eat plenty of protein and good fats, both of which provide energy and suppress appetite much longer than carbohydrates do. I eat two scrambled eggs cooked in olive oil and sometimes a wheatbelly biscuit with maple almond butter for breakfast about 7:30 a.m. Often 1 p.m. rolls around, and I find myself saying “Oh, I’d better eat some lunch.” Don’t worry if you like to snack in between meals because there are plenty of good choices such as a handful of nuts or a couple slices of cheese. The Internet is filled with websites and great recipes for gluten-free, low-carbohydrate meals. But if you don’t know where to start, try reading “Wheatbelly” (the book) and get the new companion “Wheatbelly 30-Minute (or less!) Cookbook.” For more information, stop by Sumpter Pharmacy and Wellness.

Q: I have some low back pain. Should I wait or seek physical therapy right away?A: That’s a good question. A new study published in “Spine” shows early treatment by a physical therapist is best. Physical therapy treat-ment begun within the first 14 days of the onset of low back pain has shown a reduced risk of subsequent health care utilization and, in turn, the patients experienced lower overall health care cost than did those patients who delayed treatment. During an 18-month follow up, the “Spine” study found that patients seeking early physical therapy treatment seem to have a reduced risk of subsequent surgery, injections, physician visits, use of pain medica-tion and an overall reduction in low back pain-related medical costs as opposed to those patients waiting before seeking treatment. The physi-cal therapist working as a team with the patient can work at re-training those muscles to work properly which, in turn, helps the patient to live a relative reduced pain or pain-free life. Early treatment means a lot. If you are suffering with low back pain, even if it’s been a problem for a while, see your physician and get started with physical therapy treatments for a better quality of life.

Information provided by Toni Sumpter, Sumpter Pharmacy and Wellness, 628 Nile Kinnick Drive South, Suite A, 993-1119.


516 Nile Kinnick Dr. S, Suite B, Adel, Iowa

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Alicia is the newest Physical Therapist at CORE Physical Therapy in Adel. Alicia grew-up in Adel, graduated from ADM in 2003, and completed her undergraduate coursework at Central College in 2007. There she earned her

We don’t just treat pain. We get to the “CORE”

of your problems.

Welcome to the team,Alicia (Whisner) Fisher

Bachelors of Arts degree in Exercise Science: Health Promotion, graduated Summa Cum Laude, and participated in Volleyball, and Track & Field for the Dutch. Alicia most recently attended Des Moines University where she graduated from the 2013 Doc-tor of Physical Therapy Program, and received the service award. Alicia is currently working on her Masters in Health Care Admin-istration from Des Moines University and enjoys spending time with her family and husband Jason, watching and participating in sporting events, and being outdoors. Alicia is a member of the Adel Rotary Club and ADM Alumni Association and looks forward to increasing her involvement in the local community.

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M any people find their 401(k) accounts have become one of their largest financial assets after years of regular contributions with an employer match. Some employers even allow plan participants to borrow against the funds, and that can be tempting. Wouldn’t almost everyone like extra cash? However, a 401(k) loan can set back your retirement and create a financial bind if you leave your employer. As a result, a 401(k) loan should be considered for emergencies only, if at all. With a 401(k) loan, you can borrow up to 50 percent of the vested balance in your 401(k) account or $50,000, whichever is lesser. However, you will have to pay the money back with inter-est. The interest is credited to your 401(k) account, not to your employer, so you are paying the money to yourself. Because you pay yourself, the 401(k) loan may be a cheaper way to borrow money. Just because a 401(k) loan could be a cheap way to borrow money doesn’t mean that it’s a good idea. A 401(k) loan has sev-eral drawbacks. First, the money has to be repaid, usually over a five-year period. If you leave the company or the 401(k) plan is terminated, the loan will typically become due within 60 days. That can happen if you quit or are laid

off or if the company merges with another company or goes out of business. These unforeseen events cause their own financial emergen-cies and set back your retirement. If the loan is not repaid when due, then the balance will be treat-ed as a withdrawal, and it will generally be subject to income tax on the distribution as well as a 10 percent penalty tax if you are younger than 59½. If you face a serious financial emergency, then borrowing money from your 401(k) plan may make sense. It can be easy to obtain, and you pay the interest to yourself rather than to a bank. However, consider it only after you’ve exhausted your cash savings accounts. It is best to leave your 401(k) alone so that you can continue building toward your retirement goals for the future.

insurance By Eric Schepers

Information provided by Eric Schepers, State Farm Insurance, 516 Nile Kinnick Drive S., Suite A, 993-3482.

Strategy may place you in a financial bind

Taking a loan from your 401(k)By Eric Schepers, State Farm Insurance

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TH E R E ’ S AR E STAU R ANT IN TOWN .NEW

Friday, Feb. 7 V Girls/Boys Basketball at Boone,

6/7:30 p.m.

Saturday, Feb. 8 Youth Softball & Baseball Walk-In

Registration, 9-11 a.m., City Hall.

9/JV Girls Basketball vs. Perry,

9/10:30 a.m.

9/JV Boys Basketball at Perry,

9/10:30 a.m.

V Wrestling Sectionals

Dallas County Soil and Water

Conservation Banquet, 5:30 p.m.,

ADM 6/8 Commons.

Sunday, Feb. 9 Wild Fire, learn how to start a fire

with a bow drill, registration required,

1-4 p.m., Kuehn Conservation Area.

Monday, Feb. 10 Story Time, 3-5 years old, 10 a.m.,

Adel Public Library.

Dallas County Extension Council

Meeting, 7 p.m., Dallas County

Extension & Outreach Office, 28059

Fairground Rd.

9/JV Girls Basketball vs. Carlisle,

6/7:30 p.m.

9/JV Boys Basketball at Carlisle,

6/7:30 p.m.

Tuesday, Feb. 11 Alcoholics Anonymous Meeting,

7-8 p.m., American Legion Hall, 119

N. 9th St.

Toddler Time, ages 3 and under,

10 a.m., Adel Public Library.

Grief Support Group, 3 p.m.,


City Council Meeting, 6 p.m., City

Hall.

Mandatory Reporter of Child

Abuse Training, for all caregivers and

must be renewed every five years, $5,

registration required, 6:30-8:30 p.m.,

Dallas County Extension Office.

V Girls/Boys Basketball at

Carlisle, 6/7:30 p.m.

Immunization Clinic for Children

& Adults, 2-4 p.m., Dallas County

Public Health.

Board Games, 4-6 p.m., Adel

Public Library.

Wednesday, Feb. 12 Wednesday Night Suppers, offer

balanced meal to members of church

and community, $4 adults, $1 children

up to 10 years old, 5:30-7 p.m., Adel

United Methodist Church, 115 S 10th

St

Commercial AG Applicators CIC,

for those applicators for Categories

1A, 1B, 1C and 10, $35, 9-11:45 a.m.,


Thursday, Feb. 13 Story Time, all ages, 10 a.m., Adel

Public Library.

9/JV/V Girls Basketball vs.

Bondurant, 4:45/6/7:30 p.m.

Friday, Feb. 14 Valentine’s Day

Open Sew Friday, 9 a.m.- 5 p.m.,


9/JV/V Boys Basketball vs.

Bondurant, 4:45/6/7:30 p.m.

Saturday, Feb. 15 Free Kids Closet, new and gen-

tly used clothing, 9-11 a.m., First

Christian Church, 218 N 9th St

Raccoon River Valley Trail

Association Banquet, visit raccoon-

rivervalleytrail.org for more info,

Marriott Hotel., West Des Moines.

V Wrestling Districts

Monday, Feb. 17 President’s Day

Adel Public Library Closed

City Hall Closed

Quilt Circle of Friends Meeting,

6-7:30 p.m., Adel Quilting & Dry

Goods.



N. 9th St.



4H Youth Committee Meeting,

7 p.m., Extension Office.

Dallas County Planning & Zoning

Commission Meeting, 5 p.m.

Wednesday, Feb. 19 Wednesday Night Suppers, offer





St

Adel Lions Club Meeting, 6:30 p.m.,


V Girls Basketball Regionals

State Wrestling Tournament

calendar Submit event information to [email protected]


CALLCALLST

BAIL BONDS

GET OUT NOW

A-Adel Bail Bondsman

Call Big Dan515-933-4773

Cell 515-360-5510

Serving the Des Moines Area

Dress up your home and brighten your day with Holt Cleaning Services.

Contact Tony Holt for a FREE Estimate!

www.holtclean.com



V Boys Basketball Districts



N. 9th St.




Fine Arts Boosters Pasta Supper

Fundraiser, 7 p.m.

Parade of Bands Concert, 7 p.m.

Wednesday, Feb. 26 Early Dismissal - ADM Schools

Wednesday Night Suppers, offer





St

Seed Treatment Applicators CIC,

for those applicators certified for

Categories 4 and 10, $35, 9-11:30 a.m.,


Early Out Movies, “Despicable Me

2”, 2 p.m., Adel Public Library.


Public Library.

1st Grade Concert, 7 p.m., HS

Auditorium.

V Boys Basketball Districts

Cupcake Wars, visit www.adelpl.

org for more info, 6 p.m., Adel Public

Library.

Friday, Feb. 28 FAB Dessert Social, 8:30 p.m.

Saturday, March 1 Free Kids Closet, new and gen-

tly used clothing, 9-11 a.m., First

Christian Church, 218 N 9th St

American Heart Association CPR

& First Aid, covers infant, child and

adult CPR, certification is for 2 years

in each, $50, 8 a.m.- 4 p.m., Dallas

County Extension Office.

Speech District Individual at

Winterset

Monday, March 3 Girls State Basketball Tournament

Tuesday, March 4 Mardi Gras

Alcoholics Anonymous Meeting,


N. 9th St.

Girls State Basketball Tournament

American Heart Association CPR

& First Aid, covers infant, child and

adult CPR, certification is for 2 years

in each, $50, 6:30-8:30 p.m., Dallas

County Extension Office.

Wednesday, March 5 Ash Wednesday

Wednesday Night Suppers, offer





St

Girls State Basketball Tournament

Adel Lions Club Meeting, 6:30 p.m.,


Ornamental and Turf Applicators

CIC, for applicators certified for

Categories 2, 3O, 3T, 3OT and 10,

$35, 1:30-4 p.m., Dallas County

Extension Office.

Thursday, March 6 Girls State Basketball Tournament

Friday, March 7 Girls State Basketball Tournament

calendar Submit event information to [email protected]


Public Library.


9/JV/V Boys Basketball vs.

Norwalk, 4:45/6:15/7:45 p.m.

Friday, Feb. 21 No School



Saturday, Feb. 22 State Wrestling Tournament


MS Science Bowl Competition

at Ames.

Speech All-State Large Group at

ISU

After Prom Father-Daughter

Dance, 5 p.m., HS and 6/8 Commons.

Sunday, Feb. 23 ADM After Prom Meeting, 7 p.m.,

High School Commons.

Eagle Watch, theater show and

eagle aptitude test, noon - 4 p.m.,

Saylorville Lake.

Monday, Feb. 24 Story Time, 3-5 years old, 10 a.m.,


View events and happenings from this community and others at

www.iowalivingmagazines.com

CPA MAKES HOUSE CALLS

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I nspired by her father’s passion for social justice, high school student Aimee Hickman decided to spearhead the “24-Hour Justice Experience,” held at New Hope Church. The lock-in event, which begins at 5 p.m. on Feb. 14 and goes until 5 p.m. the next day, will primarily shed light on human trafficking. “The goal is to raise aware-ness about the fact that slavery still exists today, and we can do something about it,” Hickman says. “It’s not a problem that can’t be touched.” The itinerary was designed by the International Justice Mission, and Hickman says it will include a mock investigation into a human trafficking case and also a drama about an impoverished family torn between giving up their child or turning to the slave trade. High school students and mature middle school students are encouraged to register. The cost is $30 to sign up, and it includes a T-shirt. For more information, contact the church at 993-5325.

Following 4:30 Mass on the evening of Saturday, Feb. 8, St. John’s Catholic Parish is holding a fundraising pasta dinner. Freewill donations are encouraged, and the proceeds will go toward the build-ing fund. In December, the Diocesan Building Committee approved St.

John’s plans to build a new addi-tion to the church, and they hope to begin construction in the spring. The project is estimated to cost $2.2 million, and, as of Jan. 14, about half of that had been pledged through donations. Help fund this project with a hearty pasta meal. Contact the church at 993-4482 for details. For men who are looking to deepen their faith and who also enjoy a cold beer, Bible and Brew is the go-to interest group to join at Faith Lutheran. The brewers meet the first Tuesday of each month at 6 p.m. to share tips, tricks of the trade, tastes of home-brewed samples and finish with a Bible study. The next meeting is on Tuesday, March 4. For more information, visit www.faithadel.com/faith/interest-groups/.

Spread the WordHave an upcoming event or church news you would like to announce? Send information to [email protected].

faith Submit story ideas to [email protected]

Aimee Hickman spearhead the “24-Hour Justice Experience” at New Hope Church.

Teen focuses on human trafficking problemBy Meagan Flynn

Justice missionCasa de OroAuthentic Mexican Family Restaurant

815 Main Street Adel 993-28011211 Second Street Perry 465-8808

Also located in Jefferson Creston Red Oak Fort Dodge

Drink Specials Monday–ThursdayReserve our second floor party room for your next event!

NOW OPEN IN ADEL!

Looking for Civic minded Men and Women

Learn about the Adel Lions ClubHave you ever wondered how some things get

done in our community? Have you enjoyed all the

result of a free eye screening?

If you want to learn more about the Adel Lions International Club, please come and visit us on Wednesday, Feb. 19th, 2014 at

6:30pm at the Adel Public Library for details and a free supper.

For reservations call:Ray Hemphill at (515) 993-3181 orJim Loynachan at (515) 993-3860


Valentines Day!is Friday, February 14th

In town or out-of-townORDER EARLY FOR BEST SELECTION

Local delivery available all week

515-993-4884 Give an Orchid this year!


Dawn and Van van Buren love living in their log home on Valley View Trail

where we live Submit ideas to [email protected]

To be featured in an upcoming “Where We Live” column, contact Darren at 953-4822 ext. 304 or [email protected].

A Tennessee girl came to the Midwest and a local boy came back to Iowa when Dawn and Van van Buren moved into their log home on the River Valley Golf Course north of Adel. Van attended DeSoto High School. He and Dawn have lived in large cities for 46 years, 25 of those in Dallas, Texas, and they were ready to get out of the city. The idea to move to Iowa was born during Van’s 45th class reunion at the River Valley clubhouse, where Dawn spied a vacant lot. “I said ‘Van, pull over here; I want to look at this lot,’ ” she recalls. “His first words to me were ‘You’re crazy. You would never survive in an Iowa winter.’ ” But she was ready to try. The couple bought the lot in 2002. Construction on the house started in 2004, and they moved in in 2005. “I more or less drew the plans,” Dawn says. “An architect tweaked them. It’s just a simple house — a cozy, simple house.” The house is built with white Canadian spruce logs that were shipped to Creston and planed, then delivered to the building site where they were split right in the front

yard. The house is spacious and open inside. It has three bedrooms, three bathrooms, two living areas — one up and one down — a utility room, a walk-in pantry and a kitchen suited to Dawn’s love of cooking, two decks, a 50-inch fireplace, a hobby room and many more features. One of the highlights of the main living area is a permanent dis-play for Dawn’s Dickens village. The houses and shops sit on platforms of various levels and the whole thing is wired for lighting. The comfortable furniture has been in all of the couple’s eight houses. “We bought furniture once,” Dawn says. Except for “the wet stuff” in winter, Dawn loves living in Iowa. “Iowa is the best for quality of life,” she says. “The people are superb.” The couple is considering downsizing and the house has been on the market, but hasn’t sold. The thought of actually selling it gives Dawn a pang. “It’s going to be hard to leave it,” she says. “If we ever do sell it, I’ll probably go out of here crying.”

Van Burens leave the city and settle in Iowa

Cozy cabinBy Kathleen Summy

out & about Submit photos to [email protected]

Kiwanis Club President Tanner Winterhof presented ADM senior Hannah Taylor a certificate and gift card as Kiwanis Club Student of the Month at the Jan. 7 meeting.

ADM wrestling cheerleaders Kacey Konrad, Mariel Jones, Jordyn Barthman, Rachael Selover, Caitlyn Sullivan, Lizzie Larken and Taylor Telford get ready to cheer during the

Tiger Invitational on Jan. 18.

ADM Student Council members Colin Gavin and Mackenzie Fuller gave a presentation on the LEAD conference to the Adel Kiwanis Club on Jan. 14. The club donated $250 to help send them and three other students to the conference.

See more photos online at www.iowalivingmagazines.com


Central*Mercy Central Pediatric Clinic 330 Laurel St., Des Moines (515) 643-8611

*Extended hours available by appointment

East Mercy East Pediatric Clinic 5900 E. University Ave., Pleasant Hill (515) 643-2600

JohnstonMercy Johnston Pediatric Clinic 5615 N.W. 86th St., Johnston (515) 643-6090

NorthMercy North Pediatric Clinic 800 E. First St., Ankeny (515) 643-9000

West Mercy West Pediatric Clinic 1601 NW 114th St., Clive (515) 222-7337

www.mercyclinicsdesmoines.org

The physicians and staff of Mercy Pediatric Clinics are dedicated to keeping your child healthy and safe. Pediatricians are specifically trained to care for infants, children and adolescents. They perform routine well-child exams, sports and school physicals, immunizations and treatment for acute and chronic illnesses. Mercy Pediatric Clinics are conveniently located throughout the Des Moines metro area, and the central location offers extended evening and weekend hours.

Comprehensive Pediatric Care

Q. Should I be concerned about my child being shy?

A. There are many reasons why a child may display shy behavior. In some cases, tough life situations or emotional distress may be the cause, but in most cases, shy children are simply born shy. In fact, some children are just more reserved and timid in social situations.

Fortunately, most shy children do eventually overcome their shyness once they have time to adjust to their social setting and new relationships.

Parents can help their children adjust to new settings and new people by modeling appropriate behaviors – including managing anger, sharing, giving a compliment, asking for help and helping others. Working with your child to help him or her develop social skills can help your child feel at ease and prepared to handle various situations.


what’s in your garage?

Contact Darren at 953-4822 ext. 304 or [email protected] to recom-mend someone for an upcoming issue of “What’s In Your Garage?”

Rylan Vos and his 2000 Victory Sport Cruiser.

Vos’ bike is customized like no otherBy Lucas McMillan

Victory Sport Cruiser

V ictory Motorcycles began assembly in Spirit Lake in 1998 and have since become an internationally recog-nized motorcycle manufacturer. Rylan Vos, owner of The Vic Shop in Adel, a Victory-only aftermarket specialty shop, fell in love with the bikes shortly after their release. “I started out working on cars, then I went to school to be a farm-er, and now I’m working on bikes,” he says. “But I found the job that I love to do.” Polaris Industries, the Minnesota-based recreational vehicle manu-facturer, serves as the parent com-pany for Victory Motorcycles. Vos worked at a Polaris dealership at the time the Victory bikes entered the market, so he had an early introduction to them. However, the first iteration of Victory bikes were far different from the sleek models available now. At first, the bikes were made to look and feel like Harley-Davidson motorcycles, though the company soon shied away from that design after sales were sluggish and remade their bikes in a more modern mold. That makes the 2000 Victory Sport Cruiser with a super charger that Vos owns a rare ride, but his sub-sequent upgrades have made it truly

one of a kind. “You’ll never find its duplicate,” he says. “It’s got wheels from a 2005 model, a 2010 engine and sus-pension from a 2008. It’s kind of a Frankenstein of different things that I like.” Three years ago, Vos opened The Vic Shop after he became tired of the limitations he faced working at a dealership. “They didn’t soup them up like I did,” he says. Since the bikes come from a rel-atively small manufacturer, demand is always high for the bikes, making the services Vos offers even more uncommon; he has customers from all over the United States, Canada and even Europe. One customer in Florida is driving his bike up in a trailer this winter just to get routine maintenance done. “We’re a big fish in a really small pond,” he says. “We’re one of only a handful of aftermarket Vic shops in the world.” Vos plans to add a few new parts to his bike this winter and then take it to some local motor-cycle shows in the summer. Victory also holds a bike rally every year in Spirit Lake that Vos plans to attend. He is proud of his unique bike and the heritage it represents.

Phot

o by

Luc

as M

cMill

an

looking back

A glimpse into Adel’s history

Looking back100 years ago: “Mr. and Mrs. Couch entertained the C. M. Club Monday evening. Mrs. Victor Felter and children left here yesterday for a visit for several weeks with relatives in Cherokee County. L.V. Russell tendered his resignation as school treasurer last Monday.” Advertisement: “Drugs: The patient’s health and the doctor’s success both depend upon the careful compounding of medicines by a druggist with a ‘thoro’ knowledge of the business enables us to fill pre-scriptions to the satisfaction of a patient and physician. C. B. Cozad.”

75 years ago: “Nile Kinnick grew up in Adel. He moved with his fam-ily to Omaha his senior year. He attending 4 years at the University of Iowa. At the end of the 1939, 6-1-1 record season, Nile had won virtually every major award in the country. He was a consensus first team All-American and he appeared on every first team ballot to become the only unanimous selection in the AP voting. He won the Big Ten MVP award by the largest margin in history. He also won the Walter Camp Award and the Maxwell Award. He even won the Associated Press Male Athlete of the Year. On November 18, 1939 Nile Kinnick won the Heisman Trophy, becoming the only Iowa Hawkeye to win college football’s most prestigious award.” Advertisement: “Hats for Spring! $1.98 and $2.88. Very 1939! The “love” at first sight” kind of Hats you’ll put right on and never want to give up! Flower-trims, shadow brims, straws, felts, berets and toques! Ready-to-Wear Shop.”

50 years ago: “Coaches Receive Trophies: Assistant Coach Ray Schmeideskamp and coach Stan Norenberg are shown with co-captain Lance Clarke and the trophies presented to them by the Adel Tigers football team during the Grid Banquet last week. Clarke and co-captains Burch Culp praised the two coaches for their “know-how” and being ‘down-right good guys.’ ” Advertisement: “Good Year Service Store: Electric Dryers - $139; Electric Washer - $189; G.E. Television Console - $199; 30-Inch G. E. Automatic Range Reg. $239.95- now $188.” Some interesting facts about AdelThe first house built in Adel, in 1847, served as the first post office. Later the post office was located on the west side of the square, near the Rexall Drug Store location.

Museum momentsAs of February 2014 the museum has received $31,330 in donations for its Kinnick-Clarke addition. Thank you to all who have made donations. Please help us reach our goal of $70,000. For a minimum donation of $25 you will receive a cream or gold colored Kinnick T-shirt. Please contact Jan Price at 993-1032 for details.

Information provided by Adel Historical Museum.


legal briefs By Adam Doll

Information provided by Adam Doll, attorney at law, Hopkins and Huebner, P.C., 1009 Main St., P.O. Box 99, Adel, 515-993-4545, fax: 515-993-5214.

S oon-to-be business own-ers often wonder what type of legal entity is best when starting a business and whether a limited liability company or an s-corporation is appropriate. Two of the most popular choices are limited liability com-panies (LLCs) and s-corporations (S-Corps). LLCs and S-Corps have many similarities, the big-gest being “pass-through” taxa-tion. This means that the LLC or S-Corp does not pay taxes itself, but rather distributes those profits and losses out to its owners. Limited liability companies have the advantages of limited liability features of corporations and the tax efficiencies and flexibility of a partnership. Being a “pass-through” entity, LLC’s profits and losses pass through the LLC to the members. As with partnerships, members (the LLC owners) report the prof-its and losses on their individual tax returns. The LLC’s great advantage over a partnership is that the LLC limits the liability of the member to the member’s capital investment. This is different than operating as a sole proprietor or partnership because in those entities, the part-ners/sole proprietor are each liable for all of the debts of the company. The S-Corp operates in a similar fashion in that the shareholders’ lia-bility is limited to the shareholder’s capital investment. The similarities between the LLC and the S-Corp often make

either a suitable choice. However, there are differences that should be noted. One difference is there are fewer restrictions on splitting profits within an LLC since mem-bers can distribute profits as they agree, without regard to the actual capital investment. In an S-Corp, all shareholders must be treated the same for profit sharing based on their respective ownership. Another difference between an LLC and an S-Corp is taxation on “distributions.” In an LLC, the entire net income of the LLC is subject to a 15.3 percent self-employment tax. However, in an S-Corp, only wages (must be reasonable wages) of the S-Corp shareholder are subject to this employment tax. The balance of the S-Corp’s income is paid to the owners as a distribution and not subject to that tax. There can be potential tax savings by creating an S-Corp in this regard. It may make sense to organize as an LLC and also elect S-Corp status. This keeps your business as an LLC from a legal standpoint but for tax purposes it is treated as an S-Corp. This gives the small busi-ness owner the added flexibility of an LLC with the tax advantages of an S-Corp. It is important to note that other facts and circumstances go into determining which entity is appropriate. An experienced attorney can help you make an educated decision.

The difference between LLCs and S-Corps

Starting a business?By Adam Doll, attorney at law, Hopkins and Huebner, P.C.

www.iowalivingmagazines.comSubmit them online at

Have event photos to share?

A general practice including but not limited to real estate, business, wills and probate, family law,

personal injury, and general litigation.

Adam Doll

James Van Werden 515.993.4545 | www.hhlawpc.com

Tom Murphy

New Hope Churchmeeting needs today. giving hope forever.

25712 Highway 6 - (2 Miles East of Adel on Hwy. 6)

We’re excited about God’s work in people’s lives at New Hope Church, and we invite you to stop by on a Sunday morning or connect with us through one of our ministries.

We Welcome

YOU

T he Chamber recently held its annual meeting. The main focus was on the activities and accomplishments of the Chamber in 2013. The Chamber hosted rib-bon cutting events at the fol-lowing businesses and community facilities: Adel Aquatic Center, Al Dente Toffee, Animal Hospital of Adel, Anytime Fitness, Casey’s, Lincoln Savings Bank and Mike’s Adel Power. Nine Chamber businesses hosted nine Adel After Hours events. In addition to hosting the 34th Annual Sweet Corn Festival, 19th Annual Business Holiday Open House and seventh Annual All Iowa Wine Festival, the Chamber sponsored the first Free Friday Summer Concert Series. These events were very popular, and we are excited to offer them again this summer. Watch for more details next month. The Chamber became active in the City of Adel’s Economic Development Commission, par-ticipating in the development of the city’s Economic Development Strategic Plan. We also talked about business growth, expansion, and commu-nity growth for 2013. Four new businesses opened, at least nine local business expanded and 47 new homes were built Looking ahead to 2014, more growth and change is on the way. Design work has begun on the Downtown Façade proj-ect. This is a $1 million project that will provide a face-lift for 21 downtown buildings using funds from a grant through the Iowa Economic Development Authority along with funding from the city

and each participating build-ing. Behind-the-scenes work will continue throughout the spring. Construction is expected to begin this summer with substantial con-struction completion expected in late fall. The Chamber is acting as project manager and will be over-seeing the project. There is also a significant num-ber of new residential construc-tion planned for 2014. New con-struction will bring new families to town and a need for more classrooms at all area schools, as well as other improvements. After a presentation from ADM Superintendent Greg Dufoe and school board member Bart Banwart at a recent meeting, the Chamber board voted to support the upcoming Feb. 4 bond issue. More information on the bond referendum is available on the school’s website (http://www.adel.k12.ia.us/). Adel is headed in the right direction, and the Chamber is excited to be part of the com-munity’s continued growth and development.

chamber news 993-5472

By Karina Ward, director, Adel Partners Chamber of Commerce


Activities and accomplishments reviewed

Adel is headed in the right direction

You may want to start

thinking about graduation!

Congratulations Sophie!Good luck at ISU!Good luck at ISU!

Including


out & about Submit your photos and captions to [email protected]

ADM wrestler Logan Dawson wrestles against Bondurant-Farrar on Jan. 23.

ADM wrestler Caleb Weddle wrestles against Bondurant-Farrar on Jan. 23.

ADM wrestler Kinnick Sutton wrestles against Carroll on Jan. 23.

ADM wrestler Trevor Harsh wrestles against Carroll on Jan. 23.

ADM wrestler Andrew Harrada wrestles against Carroll on Jan. 23.

ADM wrestler Zach Johnston wrestles against Carroll on Jan. 23.

ADM wrestler Cole Bennett wrestles against Carroll on Jan. 23.

ADM wrestler Darold Baker wrestles against Carroll on Jan. 23.

ADM wrestler Zach Ostendorf wrestles against Carroll on Jan. 23.

ADM wrestler Nathan Heath wrestles against Carroll on Jan. 23.

Ben Koch and Caleb Weddle play in the ADM pep band on Jan. 14.

Megan Koch and Chaise Zhart play in the ADM pep band on Jan. 14.


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CASH FOR CARS: All Cars/Trucks Wanted. Running or Not! Top Dollar Paid. We Come To You! Any Make/Model. Call For Instant Offer: 1-888-417-1382

CASH FOR CARS: Any Make, Model or Year. We Pay MORE! Running or Not Sell your Car or Truck TODAY Free Towing! Instant Offer: 1-888-420-3805

TRAILER SALE! 100”x22” Aluminum EX Speedloader (14,000# Skidloader trailer, Aluminum wheels, Pumpbox, LEDs, wireless remote $8,179.00); 10’, 12’ & 14’ dump trail-ers; 16’+4’ Gravity tilt 14,000# $4,819.00; 18’ car hauler $2,266.00; Demo 100”x28’ EX Speedloader 14,000# Gooseneck $6,999.00. 125 trailers in-stock! 1-515-972-4554; www.FortDodgeTrailerWorld.com

COIN AUCTION Sunday, February 9, 2014, 11 am, Knights of Columbus Hall, 1955 Locke Ave. Waterloo, IA. Chad Shepard Auctioneer 319-239-6464. Pictures & List on website: www.chadshepard.com

ADOPTION: Amazing successful woman seeks to adopt. Will be hands-on mom w/family support & extended family. Financial security. Expenses paid. Let’s help each other. Yara. 1-855-508-5858

A UNIQUE ADOPTIONS, LET US HELP! Personalized Adoption Plans. Financial Assistance, Housing, Relocation and More. Giving the Gift of Life? You Deserve the Best. Call Us First! 1-888-637-8200. 24HR Hotline.

PREGNANT? CONSIDERING ADOPTION? Call Us First! Living expens-es, Housing, Medical and continued sup-port afterwards. Choose Adoptive Family of Your Choice. Call 24/7. ADOPT CONNECT 1-866-743-9212

TRUCK DRIVERS WANTED - Up to $7,500.00 Sign-on Bonus! Top 100 Companies! Great Pay, Home Time and Benefits! Choose the Best Job! Apply at: www.TruckDriverJobOffers.com

MACHINERY CONSIGNMENT SALE: MON., MAR. 3, 2014 at 9:00 A.M. Consign

early by Feb. 17, 2014 for complete advertis-ing. No Small Items, Tires or Pallet Items Accepted After Friday, Feb. 21. Gilbert’s Sale Yard, LLC, 641-398-2218. 2 Mi. N. of Floyd, IA On Hwy. 218. Tractor House Internet Bidding Available. www.gilbertsaleyard.com

JACOBSON TRANSPORTATION is seeking Class A CDL Drivers for Dedicated Customer Accounts in the Midwest. We offer Excellent Pay, Benefits, and Great Home Time! Call 1-800-397-8132 or apply online: www.DRIVEJTC.com

DIRECTV $0 START COST! 150+ Channels $7.50/week! FREE HBO/ CINEMAX/ SHOWTIME/ STARZ! FREE HD/ DVR! FREE Installation! Local Installers! Hurry Ends Soon Call Now 1-800-983-2690

DISH NETWORK - $19 Special, includes FREE Premium Movie Channels (HBO, Showtime, Cinemax, and Starz) and Blockbuster at home for 3 months. Free installation and equipment. Call NOW! 1-866-820-4030

$14.99 SATELLITE TV. Includes free installation. High speed internet for less than $.50 a day. Low cost guarantee. Ask about our FREE IPAD with Dish Network. Call today 1-855-331-6646

MINNEAPOLIS BASED COMPANY EXPANDING ACROSS NATION. We need sales reps with excellent opportunity to move into sales management. Excellent com-missions. We train. Ag/construction experi-ence a plus. Call 1-888-372-0594 ext405

HAY FOR SALE: *Extremely high quality hay; *$75 per bale plus delivery. 1,000 bales Bermuda Mix. 1,000 bales of Clover Mix. Call Sherry at 1-870-647-1400

MINNESOTA’S BEST FISHING located on Lake Osakis. Choose from 8 Family Friendly Resorts. Over 6,200 acres of water enjoyment. Check out www.PlayAtOsakisMN.com, 1-800-422-0785, “Explore Minnesota”

FRUIT TREES Low As $16.00! Blueberry, Grape, Strawberry, Asparagus, Evergreen & Hardwood Plants. FREE Catalog. WOODSTOCK NURSERY N1831 Hwy 95 Neillsville, WI 54456 Toll Free 1-888-803-8733, www.wallace-woodstock.com

PROBLEMS WITH THE IRS or State Taxes? Settle for a fraction of what you owe! Free face to face consultations with offices in your area. Call 1-888-608-0987

GET CASH NOW for your Annuity or Structured Settlement. Top Dollars Paid. Fast, No Hassle Service! Call: 1-866-951-9586 (Mon-Fri - 9am-6pm CT)

V I A G R A - C I A L I S - L E V I T R A -PROPECIA. FDA Approved - USA Pharmacies. Remote TeleMedicine Physician. Safe, Secure, Discreet. Calls taken 7 days per week. Call ViaMedic: 1-877-916-0542. Trusted Since 1998

EEOICPA CLAIM DENIED? Diagnosed with cancer or another illness working for DOE in U.S. Nuclear Weapons Program? You may be entitled to $150,000 - $400,000. Call Attorney Hugh Stephens 866-643-1894. 2495 Main S., Suite 442, Buffalo, NY

STRUGGLING WITH YOUR MORTGAGE and Worried about Foreclosure? Reduce Your Mortgage & Save Money. Legal Loan Modification Services. Free Consultation. Call Preferred Law 1-800-558-0848

SAFE STEP WALK-IN TUB: Alert for Seniors: Bathroom falls can be fatal. Approved by Arthritis Foundation. Therapeutic Jets. Less than 4” Step-In. Wide Door. Anti-Slip Floors. American Made. Installation Included. Call 888-744-2329 for $750 Off


out & about Submit photos to [email protected]

Jessica Buckner and Austin Clements play in the ADM pep band on Jan. 14.

Julian Gibson and Bradford DePond play in the ADM pep band on Jan. 14.

Ali Wisgerhof and Kara DeVore play in the ADM pep band on Jan. 14.

Jessica Mieners and Jon DenHerder play in the ADM pep band on Jan. 14.


Linda Chapman, GRI, Broker Associate

515-707-7709 [email protected]

NEW CONSTRUCTION: 303 Walnut Cr, Dexter: $169,900, 3 BR, 2.5 BA two story, rich birch kitch-en with granite tops; Large dining area with patio drs to deck. Upper level laundry, large egree win-

garage. FHA/VA welcome.SOLD: 1419 Rapids, Adel: $119,900, two BR, one bath hm with character. Large two

and enclosed front porch, excellent location. SOLD: NEW CONSTRUCTION: Adel 3 BR, 2BA Townhome, spacious, lovely wood cabinets, granite tops, $189,900.HOMES ARE SELLING. NOW IS THE TIME TO GET YOUR HOME ON THE MARKET BEFORE SNOW FLIES. INTEREST RATES ARE

STILL HISTORICALLY LOW. THINGS COULD CHANGE NEXT YEAR.

www.iowalivingmagazines.com/adel Adel Living FEBRUARY | 2014

For more information, or to schedule an appointment please call 515.440.2676

Did you know February is American Heart Month? Every year, tens of thousands of people die from undiagnosed cardiovascular diseases. That’s why Dallas County Hospital offers multiple Heart Health services, including:

Twice monthly cardiology clinics offered by, Dr. Mark McGaughey and Dr. Atul Chawla, with the Iowa Heart Center. Vascular clinics offered by Dr. Laurie Kuestner, an Iowa Heart & Mercy

vascular surgeon who specializes in the treatment of the body’s circulatory system.

A cardiac rehabilitation team dedicated to improving your overall cardiovascular health. Please call 515.465.3547 for more information!

Now available through the Health Insurance Marketplace, Dallas County

Hospital is a preferred provider under the new CoOportunity Health plans. Find out

more at coOportunityhealth.com.

Introducing

UI Health Alliance Plan Options

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For more informationn, or to schedule an appointmment please call 515.440.22676

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Dr. MarkMcGaughey

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Dr. LaurieKuestner

FEBRUARY | 2014 Adel Living www.iowalivingmagazines.com/adel

916 Main Street, Adel, IA515-993-4287

Monday - Friday 8-6Saturday 8-2

224 Hwy. 92, Winterset, IA515-462-2939

Saturday 9-2

www.adelwintersettv.com

adellivingq appliances and flooring 2l]pu /v^l rl]puov^l'pv^hylhs[` jvt 1\sphuuh *\sslu...

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