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LivingUrbandalenovember 2012

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HOST HOMEFAITH

NEST OF SNAKESGARAGE

MEET LINDA FISHEREDUCATION

VETERANS SHARE THEIR WAR-TIME EXPERIENCES

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War stories

NOVEMBER | 2012 Urbandale Living www.iowalivingmagazines.com/urbandale

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welcome By Shane Goodman, [email protected]

www.iowalivingmagazines.com/urbandale NOVEMBER | 2012 Urbandale Living 3

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

Sally [email protected]

S ll WiD T b Julie [email protected]

J li D i

M y father was a sergeant in the U.S. Army and served in the Korean War. He told me that one of his duties was to install communication lines. Oddly, he didn’t communicate much else about his wartime service with me. Then

again, I didn’t ask him about it too often either. I always thought if he wanted to talk about it, he would. I do know that he enlisted so he could enter the service with guys he knew rather than being drafted. And I know that those young men he served with became lifelong friends. The Army reunions were events he looked forward to, and he spoke highly of all whom he served with. My dad never took a college class. In fact, he didn’t graduate from high school. Even so, he was one of the smartest men I have ever known. I learned a great deal from him about business and personal relationships. He was a master at making most everyone he knew feel good about themselves, and he claimed his military service helped develop that. Dad died from bone cancer 10 years ago. In his final weeks, we spent time at his kitchen table going through old boxes that I didn’t know existed. Inside were photos from his time in the military and letters that his mother sent him while he served. Even in his final days, he looked upon those challenging times with fond memories. As part of our desire to better understand war and those who serve in it, we dedicate our cover to the stories of two local veterans who served our country with honor. Thanks for reading.

Shane GoodmanPublisher

Letters fromhis mother

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On the cover: Roy Mann. Photo by Michael Swanger.

Urbandale Living magazine is a monthly publication of Big Green Umbrella Media, Inc., an Iowa corporation. Nothing may be reprinted in whole or in part without permission of the publisher. Urbandale Living magazine is mailed free of charge to every household and business in the 50322/50323 ZIP codes. Others may subscribe for $18 annually. Copies of past issues, as available, may be purchased for $3 each (plus shipping if required).

inside

5 Cover story

War stories

9 Calendar

A comprehensive list

12 Finance

The ‘fiscal cliff’

13 Health Q & A

Advice from professionals

14 Education

Meet Linda Fisher

15 Faith

Host home

16 Legal briefs

Small claims court

18 Insurance advice

Disability income insurance

19 Banking

Your retirement

21 Dining

Buffalo Wild Wings

26 Garage

Nest of Snakes

Page 5

Page 14

Page 26

ADDRESS: 414 61st Street Des Moines, Iowa 50312PHONE: 515.953.4822EDITORIAL: ext.304DISTRIBUTION: ext.301DESIGN: ext.313ACCOUNTING: ext.301FAX: 515.953.1394WEB: www.iowalivingmagazines.com

PUBLISHER: Shane GoodmanEDITOR: Darren TromblayACCOUNT EXECUTIVES: Julie Downing Sally Wisner Brooke Pulliam Michelle Haupts Dan Juffer Wendy Goodale Pete Gardner Jolene Goodman Jen Reed

DIGITAL: Lindsey WoodyDESIGN MANAGER: Celeste JonesGRAPHIC DESIGNERS: Karen Ericson Lindy VorrieEDITORIAL ASSISTANT: Kathleen SummyCONTRIBUTORS: Michael Swanger Dave Mable Elaine LenzeBUSINESS OFFICE MGR: Brent AntisdelDISTRIBUTION: Brent Antisdel

Circulation and readershipaudited by

4 Urbandale Living NOVEMBER | 2012 www.iowalivingmagazines.com/urbandale

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Danny Mabe (left) and fellow U.S. Army soldier Ken Williams (right), pictured in

1969 in Xuan Loc (pronounced Swan Loc) near the Cambodian border. On Sept. 6,

1969, Mabe was wounded by gunfire for the second time during the Vietnam War and Williams was killed during an ambush by

North Vietnamese Army soldiers.


By Michael Swanger

L ast year we interviewed local World War II veterans to get their perspec-tives on the deadliest conflict in human history and the defining event of the 20th century. This year we wanted to collect memories from local veterans

who served in the United States military during the Korean and Vietnam wars. While veterans of World War II, members of what has become known as

“The Greatest Generation,” received a hero’s welcome home following the end of World War II and many of their stories have been told in newspaper and magazine articles, books and films, veterans of the Korean and Vietnam wars have not received the same recognition for their efforts over the years.

The Korean War, also known as “The Forgotten War” because of the lack of public attention it received both during and after, for many years was never labeled as a “war.” Instead, it was called a “conflict.” Yet ask those who served during the war, which lasted from June 1950 to July 1953, and they will tell you that the 33,686 battle deaths and 2,830 non-battle deaths that the U.S. military suffered in Korea suggest that it was more than a “conflict.”

VETERANS SHARE THEIR WAR-TIME EXPERIENCES

War stories

The Vietnam War, which occurred in Vietnam, Laos and Cambodia from November 1955 to the fall of Saigon in April 1975, received far more attention from the media and this country’s citizens compared to the Korean War. The U.S. government viewed its involvement in the war as a way to prevent a commu-nist takeover of South Vietnam, but opinions about our military’s participation varied widely and created deep divisions among Americans. In the end, 58,220 U.S. service members died in the war, and many of those who returned home were protested by anti-war civil-ians and faced other life-changing ordeals as a result. Two local veterans — Roy Mann and Danny Mabe — shared their recollections of the wars. Mann, born and raised on a farm in South Dakota, has been a resident of Urbandale for more than 50 years. The 80-year-old U.S. Army veteran served during the Korean War; was married to his wife, Bernice, for 41 years before she died in 1998; retired after a lengthy career with Iowa Paint; and is an active member of the local VFW Post 9668. Mabe, a Kentucky native, moved to Urbandale in 2000. The 63-year-old U.S. Army veteran who served as an E5-Sergeant during the Vietnam War now works as a commissioner for the Federal Mediation and Conciliation Service after having worked with organized labor groups and the Ford Motor Co. He is a husband, a father and received two Purple Hearts

after being wounded twice in Vietnam. The following excerpts are taken from interviews with Mann and Mabe.

How did you begin your military service?Mann: I enlisted in the Army in 1951 when I was 20 years old. I talked to my dad about it; he was in the Navy during World War I. They sent me to Minneapolis, Salt Lake City, California and Washington for basic training. After that, I got on a boat to Korea on Jan. 25, 1952. We stopped in Japan and then Inchon where they put us on a train with no lights and holes in the sides of the cars. Before we got off the train, we got hit with shells, and all hell broke loose. The guy next to me got hit in the leg; they called it a “wonder wound” because he got to go back to the United States. I went on with the 7th Infantry Division, 15th Company to be with the AAA (anti-aircraft artillery).

Where did you serve in Korea?Mann: We were part of the support to the infantry at Liberty Bridge and the Battle of Old Baldy (west-central Korea). We were near the Yangtze River on the main line of the center of resistance.

Describe your combat experience.Mann: We were shooting from trenches we dug.



Eighty-year-old Urbandale resident Roy Mann served in the U.S. Army during the Korean War and is an active member of the local VFW Post

9668.

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The enemy dug trenches, too, that went back into the mountain so that our shells and napalm couldn’t get back in there. When old Tokyo Rose would get on the music box and say to us, “We’ll see you boys at 8 o’clock or 9 o’clock,” you better believe they were there. They filled up their soldiers with dope during the day so they would be ready to come out at night. One guy would get shot, and the next guy would pick up his gun and they’d keep coming at you. The day before I left, there were 913 soldiers that went into Old Baldy, and 900 came back in bags.

What was your highest rank?Mann: I became an E7 Sergeant First Class. I had a small company of men with four M16 Half Track Quad 50 trucks that each had four 50mm guns. I started out as a gunner and ended up being chief of one plus three others.

Why was the Korean War overlooked by so many Americans then?Mann: I don’t know. The World War II boys were welcomed back when they got off the ships, and they had a big parade in New York City. When we came home, it was no big deal. The Korean War was considered then to be a small police action. But none of us said anything

about it or belly ached. You just did what you had to do. Looking back at it, though, I wonder what did we gain? It’s a forgotten era now.

What do you want future generations to know about the war?Mann: We gave South Korea their freedom; that’s it. Another way of looking at it is we did it to keep our economy up and our people going.

Danny MabeHow did your military service begin?Mabe: I got a scholarship to play football at the University of Kentucky, which was a big deal for my family, but I was a duck out of water. I came from a blue collar family and was playing with rich kids. Then I dinged up my knee and knew I was done and saw my friends being drafted. So one day in the fall of 1968, I got on a Greyhound bus to Cincinnati, walked into the military office and enlisted in the Army. My dad was heartbroken at the time, and my mom went into a tizzy. I went to boot camp and had a shot to be a helicopter pilot, but I volunteered for the infantry. Then I spent two weeks training as a sniper with the 75th Rangers. Right before I


Danny Mabe of Urbandale received two Purple Heart awards and other decorations for his military service during

the Vietnam War.


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o by

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hael

Sw

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went to Vietnam in December 1968, I was stationed in Oakland for four days. We would take a cab to San Francisco, and there were hippies all over, so you couldn’t go in there with your uniforms on. There were hundreds of hippies protesting the war. For a young kid from Kentucky, it was unbelievable. I remember when they finally put us on a bus to go to the airport, the windows were blacked out so the protestors couldn’t see us.

Where were you stationed in Vietnam?Mabe: We landed in Bien Hoa Air Base, about 22 miles from Saigon, close to the Cambodia border. I’ll never forget when they opened the doors to the plane — the stench, the heat and the humidity. It almost took my breath away. There were about 50 caskets lined up and several old guys leaving for home. They were haggard, and it scared the hell out of you. I started thinking, “Maybe I

should have stayed in Kentucky.” They put us on a bus with screens instead of windows so the enemy couldn’t throw grenades in the windows to kill you. We were assigned to the 199th Infantry Brigade (Light). I was with the Echo Company of the 2nd Battalion, 3rd Infantry. My first night in Vietnam, I went on an ambush. My C.O. (commanding officer) told me not to fire until the guy next to me fired, to stay calm. I was 19 years old; I had been up for 24 hours and heard thumping noises all night that kept me up. Turns out the sounds I heard were large rats running in and out of area we set up outside a graveyard. After the TET Offensive, we kept rolling and stayed within 15 miles of Cambodia, which was a safe house for the Viet Cong. We’d set up ambushes to eliminate as many as we could. It was nasty. All of us had trench foot and ring worms from being wet all the time in the rice

paddies. There were booby traps everywhere and sporadic fire fights. Then we got assigned to amphib-ian assault in the Delta, where we acted as targets sitting in LCMs. Our helicopters would swoop in where the fire was coming from and bring a rain of fire on them. I got shot, for the first time, in the Delta walking point into a small village. Then we were moved out to northeast Saigon, out of the Delta to Xuan Loc (pronounced Swan Loc) where we were part of Recon and would go out for 25 to 40 days at a time. You could throw a rock to the Cambodian border from there, near the Ho Chi Minh Trail which was like a freeway for the Viet Cong and NVA. On Sept. 6, 1969, about 12 miles southeast of Xuan Loc, I got shot again when we were ambushed by NVA soldiers. We were in contact with the NVA for about seven hours that day. I got out of the Army on May 7, 1970.

What was it like when you returned to the U.S.?Mabe: There were protestors at the base. They opened the gates for us, and we ran like hell to taxis waiting for us outside while all these hippies were spitting on us, grabbing at our clothes and calling us “baby killer.” I remember the taxi crossing the Golden Gate Bridge and seeing smoke. The Kent State shootings had happened a few days earlier, and pro-testors were burning stuff. A lot of us Vietnam vets are thankful that the country has embraced the young men and women today when they come home. Back then, they figured we were all drug addicts or baby killers.

What do you want future gen-erations to know about the Vietnam War?Mabe: History will prove that the U.S. didn’t lose one battle on the field, but we lost it politically because the people in charge didn’t have the desire to finish the thing.



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Friday Nov 2 No School- DMCS Senior Center Events- Tai Chi-

Beginning, 8:30-9:15 a.m. Tai Chi- Continuing, 9:15-9:55 a.m. Friday Night Card Party- $5 with registration required by Oct. 31, 5:30-9 p.m.

Toddler Time, 9:30 and 10 a.m., Urbandale Public Library.

Saturday Nov 3 UHS Girls State Swimming UHS State Solo Dance

Competition National Gaming Day, ages 6 &

up, 1-3 p.m., Urbandale Public Library. Hats Off to St. Pius X Auction,

6:30 p.m., St. Pius X Catholic School and Parish.

Webster Elementary PTO’s First Annual One Stop, admission $1. Includes 1 raffle ticket, additional raffle tickets available for purchase, bake sale, vendors, crafts, silent auction, 9 a.m.- 1 p.m., 12955 Aurora Ave.

Sunday Nov 4 Daylight-saving time ends Urbandale Historical Society

Open House, 2 p.m., Urbandale Historical Society. 7010 70th St.,

Monday Nov 5 DMCS Board of Directors

Meeting, 6:45 p.m. UHS Conferences, 4-8:15 p.m. UHS 8 Girls Basketball vs.

Ankeny Centennial, 4:30 p.m. Planning & Zoning Commission

Meeting, 6 p.m. City Hall Senior Center Events- Amateur

Artists Group- bring our own sup-plies and drop in any time during the day, 9 a.m.- 3 p.m.

Book Babies, ages 12-24 months,

10 and 10:30 a.m., Urbandale Public Library.

Family Story Time, 7 p.m., Urbandale Public Library.

Urbandale Historical Society Open House, 7 p.m., Urbandale Historical Society. 7010 70th St.,

Tuesday Nov 6 Election Day Family Story Time, 7 p.m.,

Urbandale Public Library. DMCS JH Band SCIBA Honor Band. UHS 8 Wrestling Meet, 4:30 p.m. Senior Center Events- Senior

Singers- no singing experience required, 2-3 p.m. Timely Talkers- join the group for conversation and coffee, 9:15-11 a.m. Mixed Cards & Games- 10:30 a.m.- 3 p.m.

Toddler Time, 9:30 a.m,. Urbandale Public Library.

Book Babies, ages 12-24 months, 10 a.m., Urbandale Public Library.

Wednesday Nov 7 UHS State Volleyball Tournament Merle Hay Kiwanis, 11:45 a.m.- 1

p.m., all are welcome., Urbandale Golf and Country Club. 4000 86th St

Board of Adjustment Meeting, 6 p.m., City Hall. 3600 86th St

Senior Center Events- Tai Chi-Beginning, 8:30-9:15 a.m. Tai Chi- Continuing, 9:15-9:55 a.m. Taking Control with Exercise- 10-10:55 a.m. Yoga- 2:30-3:30 p.m.

Story Time, 9:30 and 10:15 a.m., Urbandale Public Library.

Thursday Nov 8 UHS State Volleyball Tournament SPX Home & School Meeting,

6:30- 8 p.m., Large Meeting Room. UHS 7/8 Wrestling Meet, 4:30 p.m. Senior Center Events- Get

Creative Craft Group- no experi-ence needed, 9:15-11:30 a.m. Bridge Workshop- no reservation required, 10:30-11:30 a.m. Mixed Cards & Games- 10 a.m.- 3 p.m.


Story Time, ages 3-6, 9:30 a.m., Urbandale Public Library.


VNS Flu Shot Clinic, 5-7 p.m., Urbandale Public Library.

Friday Nov 9 UHS State Football Tournament UHS State Volleyball Tournament Toddler Time, 9:30 and 10 a.m.,

Urbandale Public Library. UHS Fall Play, 7:30 p.m. Senior Center Events-Tai Chi-

Beginning, 8:30-9:15 a.m. Tai Chi- Continuing, 9:15-9:55 a.m.

Science Sleuths, ages 3-5 register at 331-4490, 10:30-11 a.m., Urbandale Public Library.

Saturday Nov 10 UHS State Volleyball Tournament Explore ACT Testing, DMCS UHS Fall Play, 7:30 p.m. Lioness Club of Urbandale

Holiday Treasures and Bake Sale, 9 a.m. to 3 p.m., Lions Park Shelter.

Welcome To Medicare, free 2 hour seminar, reservations required, call 800-351-4664, 10 a.m.- noon, Urbandale Public Library.

Sunday Nov 11 Veterans Day Diary of a Wimpy Kid Party, ages

8 & up, 1:30-2:30 p.m., Urbandale Public Library.

Monday Nov 12 Book Babies, ages 12-24 months,



DMCS Fine Arts Boosters Officer Meeting, 7 p.m.

UHS 8 Girls Basketball at Fort Dodge, 4:30 p.m.

School Board Meeting, 7 p.m., City Hall.

Senior Center Events- Amateur Artists Group- bring our own sup-plies and drop in any time during the day, 9 a.m.- 3 p.m.

Tuesday Nov 13 Family Story Time, 7 p.m.,

Urbandale Public Library. Toddler Time, 9:30 a.m,.

Urbandale Public Library. Book Babies, ages 12-24 months,

10 a.m., Urbandale Public Library. DMCS HS Band West Central Valley Conference

Honor Band. DMCS JH Girl’s Basketball vs.

Van Meter, 4 p.m. DMCS JH Boys Basketball at Van

Meter, 4 p.m. UHS 8 Wrestling at

Marshalltown, 4:30 p.m. Public Art Committee Meeting,

12-1 p.m., City Hall. Senior Center Events- Senior


Wednesday Nov 14 1 p.m. dismissal St. Pius X Catholic Merle Hay Kiwanis, 11:45 a.m.- 1


calendar Submit event information to [email protected]


Senior Center Events- Tai Chi-Beginning, 8:30-9:15 a.m. Tai Chi- Continuing, 9:15-9:55 a.m. Taking Control with Exercise- 10-10:55 a.m. Knitting Group, 12:30-2:30 p.m. Yoga- 2:30-3:30 p.m.

Teen Book Discussion, “Night Circus” by Erin Morgenstern, 2:30 p.m., Urbandale Public Library.

Thursday Nov 15 Story Time, ages 3-6, 9:30 a.m.,


10 a.m., Urbandale Public Library. FAB Greenery Sale Delivery,

DMCS. UHS 8 Wrestling at Fort Dodge,

4:30 p.m. Senior Center Events- Get


Clifford the Big Red Dog Family Story Time, ages 2 and older, 7-7:30 p.m., Urbandale Public Library.

Friday Nov 16 All State Music Festival at ISU Toddler Time, 9:30 and 10 a.m.,

Urbandale Public Library. FAB Greenery Sale Delivery, DMCS Senior Center Events- Tai Chi-


Saturday Nov 17 FAB Greenery Sale Delivery,

DMCS. All State Music Festival at ISU

Monday Nov 19 DMCS Secondary Mid-Terms DMCS Musical Pre-Audition

Meeting DMCS 8 Boys Basketball vs.

Perry, 4:15 p.m. DMCS 9 Girls Basketball at Perry,

4:15 p.m. 2nd Standing DMCS Board of

Directors Meeting, 6:45 p.m. UMS Band Concert, 7 p.m.,

Urbandale High School. UHS 8 Girls Basketball at

Waukee, 4:30 p.m. Planning & Zoning Commission

Meeting, 6 p.m. City Hall Senior Center Events- Amateur

Artists Group- bring our own supplies and drop in any time during the day, 9 a.m.- 3 p.m.

Explorers Club, K- 3rd grade, register at 331-4490, 4:30-5 p.m., Urbandale Public Library.

Tuesday Nov 20 DMCS Elementary Harvest

Parties DMCS 7 Boys Basketball vs.

Perry, 4:15 p.m. DMCS 7 Girls Basketball at.

Perry, 4:15 p.m. UHS 8 Wrestling at DC-G,

4:30 p.m. UHS 8 Girls Basketball vs. Ames,

4:30 p.m. UHS 9/JV/V Girls Basketball at

Indianola, 4:45/6:15/7:45 p.m. Senior Center Events- Senior


City Council Meeting- Lunch & Learn,11:45 a.m. City Hall.

Wednesday Nov 21 No School- Urbandale Schools No School- St. Pius X Catholic No School- DMCS Merle Hay Kiwanis, 11:45 a.m.- 1


Senior Center Events- Tai Chi-Beginning, 8:30-9:15 a.m. Tai Chi- Continuing, 9:15-9:55 a.m. Taking Control with Exercise- 10-10:55 a.m. Knitting Group, 12:30-2:30 p.m. Yoga- 2:30-3:30 p.m.

Urbandale Public Library Thanksgiving Hours, 9 a.m.- 6 p.m.

Thursday Nov 22 Thanksgiving Day No School- St. Pius X Catholic No School- DMCS No School- Urbandale Schools City Offices Closed Chamber Office Closed Urbandale Public Library Closed Senior Center Events- Get


Friday Nov 23 No School- St. Pius X Catholic No School- DMCS No School- Urbandale Schools City Offices Closed Chamber Office Closed Urbandale Public Library

Thanksgiving Hours: 1-6 p.m. Senior Center Events- Tai Chi-


Monday Nov 26 Book Babies, ages 12-24 months,



DMCS JH Girls Basketball at Van Meter, 4 p.m.

DMCS JH Boys Basketball vs. Van Meter, 4 p.m.

9 Girls/Boys Basketball at Ames, 6:30/7:45 p.m.

JV Boys Basketball vs. Indianola, 7 p.m.

School Board Meeting, 7 p.m., City Hall.

Senior Center Events- Amateur Artists Group- bring our own sup-plies and drop in any time during the day, 9 a.m.- 3 p.m.

Library Board of Trustees Meeting, 6 p.m, Urbandale Public Library.

Tuesday Nov 27 Brown Bag Book Club, 12 p.m.,

Urbandale Public Library. Tuesday Night Movie, 6:30 p.m.,

Urbandale Public Library. DMCS PLAN Testing for Grade 10 DMCS Girls/Boys Basketball at

Coon Rapids- Bayard, 6 p.m. UHS 8 Wrestling at Waukee,

4:30 p.m. UHS JV/V Boys Swimming at SEP,

5:30 p.m. 10/V Boys Basketball at Ames,

4:45/7:45 p.m. JV/V Girls Basketball at Ames,

4:45/6:15 p.m. MS/HS Jazz Band Concert, 7 p.m.,

Urbandale High School. City Council Meeting, 7 p.m., City

Hall. 3600 86th Street Senior Center Events- Senior



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10 a.m., Urbandale Public Library.

Wednesday Nov 28 Late Start/In-Service K-8 Merle Hay Kiwanis, 11:45 a.m.- 1


On the Same Page, 7:30 p.m., Urbandale Public Library.

Senior Center Events- Tai Chi-Beginning, 8:30-9:15 a.m. Tai Chi- Continuing, 9:15-9:55 a.m. Taking Control with Exercise- 10-10:55 a.m. Knitting Group, 12:30-2:30 p.m. Yoga- 2:30-3:30 p.m. Senior Center.


Thursday Nov 29 Brown Bag Book Club,12 p.m.,

Urbandale Public Library. DMCS HS Band at SCIBA

Auditions DMCS JH Boys Basketball at Pella

Christian, 4:15 p.m. DMCS JV Girls & Boys Basketball

at Pella Christian, 6:15 p.m. DMCS V Girls/Boys Basketball at

Coon Rapids- Bayard, 6 p.m UHS JV/V Wrestling at Fort

Dodge, 6:30/7:30 p.m. UHS 9 Girls/Boys Basketball at

Indianola, 7/8 p.m. Senior Center Events-Get





Friday Nov 30 Toddler Time, 9:30 and 10 a.m.,

Urbandale Public Library. St. Pius X Catholic School-

Mission Awareness Dress Down Day DMCS JH Girls Basketball at

Panorama, 4 p.m. DMCS JH Boys Basketball vs.

Panorama, 4:15 p.m. DMCS V Girls/Boys Basketball at

Earlham, 6 p.m. UHS 9/10/JV/V Boys/

Girls Basketball vs. DM East, 4:45/6:15/7:45 p.m.

Senior Center Events- Tai Chi-Beginning, 8:30-9:15 a.m. Tai Chi- Continuing, 9:15-9:55 a.m.

LEGOs Club, ages 5 and up, 4 p.m., Urbandale Public Library.

Saturday Dec 1 DMCS V Girls/Boys Basketball vs.

Madrid, 6 p.m. UHS V Wrestling at Harlan, 8 a.m. JV Wrestling at DM North, 9 a.m. 9/JV/V Girls Basketball at

Waukee, 3:30/5:15 p.m. 9/10/V Boys Basketball at

Waukee, 3:30/5/7 p.m.

Monday Dec 3 DMCS HS Musical Auditions Book Babies, ages 12-24 months,


Senior Center Events- Amateur Artists Group, 9 a.m.- 3 p.m.


Planning & Zoning Commission Meeting, 6 p.m., City Hall

DMCS Board of Directors Meeting, 6:45 p.m.

DMCS 9 Boys Basketball vs. Pella, 6 p.m.

UHS JV/V Boys/Girls vs. DM Lincoln, 3:30 p.m.

UHS 8 Wrestling at Indianola, 4:30 p.m.

UHS 8 Girls Basketball vs. SEP, 4:30 p.m.

UHS 9 Girls/Boys Basketball vs. Dowling, 7/8 p.m.

JV Boys Basketball at Dowling,7 p.m.

Tuesday Dec 4 DMCS HS Musical Auditions Family Story Time, 7 p.m.,

Urbandale Public Library. Toddler Time, 9:30 a.m,.


10 a.m., Urbandale Public Library. DMCS V Girls/Boys Basketball vs.

Panorama, 6 p.m. UHS 8 Girls Basketball vs.

Marshalltown, 4:30 p.m. V Boys Swimming vs. DM Lincoln,

5:30 p.m. Senior Center Events- Senior

Singers, 2-3 p.m. Timely Talkers, 9:15- 11 a.m.

Jane Austen Book Discussion, 6:30 p.m., Urbandale Public Library

Wednesday Dec 5 Late Start/In-Service K-8 Senior Center Events- Tai Chi-

Beginning, 8:30-9:15 a.m. Tai Chi- Continuing, 9:15-9:55 a.m. Taking Control with Exercise- 10-10:55 a.m. Knitting Group, 12:30-2:30 p.m. Yoga- 2:30-3:30 p.m.

Merle Hay Kiwanis, 11:45 a.m.- 1 p.m., all are welcome., Urbandale Golf and Country Club. 4000 86th St


Thursday Dec 6 DMCS HS Musical Call Backs Senior Center Events-Get Creative

Craft Group- no experience needed,

9:15-11:30 a.m. Bridge Workshop- no reservation required, 10:30-11:30 a.m. Mixed Cards & Games- 10 a.m.- 3 p.m.




Lunch Bunch, 12 p.m., Urbandale Public Library

DMCS 8 Basketball vs. Pella Christian, 4 p.m.

DMCS JV Girls/Boys Basketball vs. Panorama, 6 p.m.

UHS 7/8 Chorus & Show Choir Concerts, 7 p.m.

UHS V Boys Swimming at Waukee, 5:30 p.m.

UHS JV/V Wrestling at Marshalltown, 6:30/7:30 p.m.

DMCS Early Education Christmas Concert, Valley Church, 7 p.m.

Friday Dec 7 2 p.m. early dismissal- DMCS Toddler Time, 9:30 and 10 a.m.,

Urbandale Public Library. Senior Center Events- Tai Chi-


DMCS Grandparent’s Day Open House, 1 p.m.

DMCS Grandparent’s Day Christmas Program, k-2nd grade at 4 p.m., 3rd- 6th grade at 5:15 p.m.

DMCS V Girls/Boys vs. West Central Valley, 6 p.m.

UHS 9/JV/V Girls Basketball vs. Johnston, 4:45/6:15/7:45 p.m.

UHS 9/10/V Boys Basketball vs. Johnston, 4:45/6:15/7:45 p.m.


It’s free!Submit calendar items for

your school, church, business, organization or family to [email protected].

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Information provided by Steve Olejniczak, financial advisor at Edward Jones, 7517 Douglas Ave., Suite 12, Urbandale, 276-6237

finance Steve Olejniczak

T he Federal Reserve has warned of an approaching “fiscal cliff.” What can you

do in the face of such a dire pre-diction? You need to understand what led to the Fed’s remarks. Some $1.2 trillion in spending cuts are scheduled to begin in 2013 while, simultaneously, the Bush-era tax cuts are set to expire. This combi-nation of spending cuts and higher taxes could take some $600 billion out of the economy, leading to a possible recession . There’s no need for panic. Congress is likely to reduce the “cliff” to a smaller bump, though it probably won’t happen until after the election. But, as an investor, you may need to be prepared for two significant events: market vol-atility, at least in the short term, and higher taxes, probably for the foreseeable future. To combat market volatility, you need to own a broadly diver-sified portfolio that can handle “bumps,” “cliffs” and other rug-ged investment terrain. (Keep in mind that while diversification can reduce the impact of market vola-tility, it cannot guarantee profits or protect against losses.) You may need to “rebalance” your portfolio to ensure that it’s still aligned with your goals, risk tolerance and time horizon, despite the impact of volatility. Now, let’s turn to taxes. Even if taxes on income, capital gains and dividends do rise, they will still be lower than they’ve been at various points in the past. Nonetheless, you may want to consider a variety of steps, includ-ing the following: deferred vehicles. Contribute as much as possible to your tradi-

tional IRA, your 401(k) or other employer-sponsored retirement plan, and any education savings accounts you may have, such as a 529 plan. your traditional IRA to a Roth IRA. A Roth IRA provides tax-free earnings, provided you don’t start taking withdrawals until you’re 59½ and you’ve had your account for at least five years. (Be aware, though, that this conversion is tax-able and may not be appropriate if you don’t have money readily available to pay the taxes.) bonds. If you’re in one of the upper tax brackets, you may bene-fit from investing in “munis,” which pay interest that’s free of federal taxes, and possibly state and local taxes as well. Not all these choices will be suitable for your situation so con-sult with your tax and financial advisors. But give these options some thought because they may prove helpful in keeping your finan-cial goals from going “over a cliff.”

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Should you prepare for ‘fiscal cliff’?

www.edwardjones.com Member SIPC

Create and implement a strategy designed to help you

achieve your long-term financial goals.

TAKE CHARGEOF YOUR FUTURE.

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7517 Douglas Avenue Suite 12Urbandale, IA 50322515-276-6237

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A: Acute necrotizing ulcerative gingivitis, or trench mouth¸ is a painful form of gum disease that includes the destruction of gum tissue around the teeth and cre-ation of crater-like ulcers in the gum that are filled with plaque and food debris. Other symptoms are a grayish film on the gums and a constant foul taste and breath. It is a rare disorder, brought on or exacerbated by factors including poor oral hygiene, poor nutrition, other infections in the mouth or throat, smoking and stress. The term “trench mouth” came from the condition’s prevalence among soldiers in World War I. Your dentist may recommend a salt-water rinse to soothe sore gums and hydrogen peroxide rinse to wash away decayed gum tissue. If fever accompanies your condition, the dentist may also prescribe an antibiotic. The good news is that the condition normally responds well to treat-ment. Left untreated, though, the infection can spread to other parts of the mouth and jaw. Talk with your dentist about ways to keep your mouth healthy.

Q: What is trench mouth?

Information provided by Des Moines Dental Group, 708 First Ave S., 967-6611.

health Q&A

A: In the United States alone, more people are being diagnosed with depression than ever before. There are various medical options but many are now choosing an alternate route. There are many causes of depression that range from being pain-related, physical or mental challenges, work/life balance, genetic illnesses, to hor-monal shifts, etc. If looking for an alternate route, regardless of cause, I’m here to give you hope. Whether it’s for you or a friend or family member, let them know that nutrition, acupuncture, and/or chiropractic care may help. Nutrition was discussed first and can play a huge role in getting your body the right “building blocks and tools” needed to function optimally. Just like a performance engine needs the right fuel, our bodies need the right nutrients or the performance of “our” vehicle suffers. In addition, acupuncture treatments may decrease negative feelings and improve wellbeing in many individuals. Chiropractors deal with the nervous system (brain and spinal cord). The explanation for why it helps with depression is twofold. One, chiro-practic can help with decreasing pain which researchers have shown can decrease or end depression in some. Two, chiropractic can not only help with pain but alleviate stress, helping the mind relax and allow individuals to better manage their lives. From nutrition to acupuncture to chiropractic care, no one is say-ing it will always cure depression on its own… but it can positively help individuals along the way. If you have any questions and would like more information on this, please email us at [email protected]

Q: What are some natural solutions to depression?

Information provided by Dr. Heather Yost, CACCP, Yost Family Chiropractic, 3993 100th St., Urbandale, www.YostFamilyChiropractic.com.

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L inda Fisher waited to become a teacher after she raised her own children and has obvi-

ously found her professional niche now in her eighth year of teaching first grade students at Valerius Elementary School in Urbandale. “I’ll always stay with first grad-ers. I love that they always come in with a smile on their face every day, that they are very busy and the day is full of activity. It goes by very fast,” she says. “We do a lot of hands-on activities, so they are engaged when they are learning.” Fisher engages her students in a variety of subjects, but perhaps none more important at that ten-der age than reading, writing and math. She employs a variety of techniques to teach reading, from singing songs and using “literacy time,” to asking students to read to one another or to her. “They learn about the compo-nents of a story and they seem to pick it up quickly. It’s fun to see then advance at such a quick rate,” she says. Fisher also encourages them to tell their own stories when working on their writing skills. “I love it when they write about their families, their friends, or their vacations. They get to

share it with the class and that seems to motivate them to do well,” she says. In math, Fisher teachers her students the basics about telling time, counting money and provid-ing them an introduction to addi-tion and subtraction. “The more hands-on activities the better,” she says, “so we play a lot of math games.” Though the students are the most rewarding aspect of her job, Fisher says that she also credits the staff, administration and par-ents at Valerius for making her job so enjoyable. “We have a fantastic principal, she’s awesome,” she says. “At Valerius we have developed a true sense of community and everyone has worked hard to develop that. We collaborate with one another and spend time doing what is best for the kids.”

Meet Linda Fisher

Linda Fisher teaches first grade at Valerius Elementary.

She enjoys working with first graders at Valerius Elementary

education Submit story ideas to [email protected]

By Michael Swanger Phot

os b

y M

icha

el S

wan

ger

What do you like best about class?

Kate Pargeon: “We get to do math and fun activities.”

Amelia Weese: “I like math because we get to do games.”

Sam Sparks: “Writing and drawing pictures. She’s a good teacher.”

Nate Hammerand:“I like it because we get to play computers.”


faith Submit story ideas to [email protected]

New pastor joins Central Community Free MCBy Dave Mable

R obert “Rob” Ricksecker has been called to Central Community Free

Methodist Church, 8105 Douglas Ave., as pastor. Coming most recent-ly from Texas in April, Ricksecker is working to be “a great blessing to the Urbandale community.” As such, he has become involved with the Urbandale Community Action Network and the Leadership Urbandale pro-gram. In addition, he has begun to help address the influx of African refugees to the area, who migrate to the area from the Congo and the genocide occurring there. The Free Methodist Church has a much stronger presence in other parts of the world, especially in the Congo, where it is one of the main denominations of the area. That makes his involvement with refugees from that area a natural fit. Taking the ministries of the church into his home, he recently became the host home for a refu-gee, Alex Ntagwa, who made his way to Iowa via Texas to be near his brother, who lives in Urbandale. Ntagwa grew up running while living in the Congo and became a renowned runner while living in Texas. Moving to Urbandale, Ntagwa joined the Urbandale Cross Country team, but due to IHSAU rules, has only been able to compete at the junior varsity level. “He has been running against the watch in the JV race,” says

Ricksecker, “and beating the var-sity runners by 30 seconds.” Having served as the principal of Christian schools in Texas and on the East Coast, Ricksecker hopes to remain in Urbandale for at least five to 10 years.

“We’re excited about being in Urbandale,” he says. “We enjoy being in the capital city and are just thrilled to be here.” Serving the needs of Urbandale schools, Urban Heights Evangelical Church, 7605 Aurora Ave., offers three services for students of Urbandale Middle School. After school on Tuesdays, students are welcome to drop in for tutoring help from 3:15 to 4:45 p.m. When school begins at the regular time (not on late-start days), Youth for Christ serves pancakes to the hungry middle-schoolers from 7 to 7:55 a.m. On Thursdays, Urban Heights offers New Generation, an after-school program for the UMS students from 3:30 to 4:45 p.m. All pro-grams are staffed by volunteers from the church and are free and available for any student at Urbandale Middle School.

Host home

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

Ruth and Rob Ricksecker have been called to serve at the Central Community Free Methodist Church in Urbandale.

sunday morn ing serv ices 8:15–9:30am : 1st service 9:30–10:00am : fellowship time10:15–11:30am : 2nd service

ch i ldren’s min istryfa i th in act ionroots student min istr iesgr imes

visit our web site for more info! www.timberlineonline.org

corner of meredith and 121st street in western urbandale

t imber l ine church4459 - 121st street urbandale 276.6089

8:30am–10:00am and 10:30am–noon

5th sunday of any month

this small group meets on sunday afternoons at 3:30 in grimes. this group is made up primarily of singles, newly married, married with young children and married with older children (who are available to watch the kids during discussion and prayer time). contact [email protected] for more information.

6:00pm–8:00pmwednesdays

3:30pm sundays


legal briefs By Thomas Sherzan

Information provided by Thomas Sherzan, attorney for Abendroth and Russell Law Firm, 2560 73rd St., Urbandale, 278-0623, www.ARPCLaw.com.

F or most people, the thought of filing a lawsuit in order to recover money they are owed

brings feelings of dread. Litigation practice is expen-sive, time-consuming and definitely a job best left to professionals. Unlike cases on television, cases aren’t decided in an hour. Civil litigation can take years to resolve. However, there is one legal venue that is specifically designed to sim-plify the litigation process: Iowa’s small claims court system. Iowa Code Chapter 631 estab-lishes Iowa’s small claims court system. Small claims court avoids the time, expense and formal procedure of litigation in district court. It is intended to provide a forum for the average person to resolve disputes that don’t involve a large amount of money. Generally speaking, civil claims (as opposed to criminal claims) may be brought in small claims court if the amount in controversy is $5,000 or less. The filing fee for a small claims case is $85, instead of the $185 filing fee for district court matters. The proceedings provide an expedited process for resolving claims; the statute pro-vides that cases must be resolved within 90 days or less. The rules governing the form and content of legal pleadings is relaxed in the small claims. Forms are standard-ized and are provided by the clerk of court. Except as specifically provided by the Code, no separate written pleadings or motions are filed. Examination of the witnesses is to be in such a way to “bring out the truth.” In some cases, the judge

will question the parties and wit-nesses, instead of relying on exam-ination and cross-examination by the litigants. Although the proceeding itself is generally designed to be infor-mal, the standards governing what evidence is necessary and accept-able to prove the case are not. A party must still focus on the legal issues, understand the governing statue or case law, present admis-sible evidence, and argue the cor-rect legal principles. Unlike some other states, Iowa allows an attorney to repre-sent a party in small claims court. This can be a huge advantage to a litigant. The presence of counsel in a small claims proceeding can often be the determining factor between winning or losing a case, especially in a situation where the other party is unrepresented. Done correctly, small claims is a very cost-effective way of resolv-ing claims. This specialized division of the judicial system provides an inexpensive, quick and informal venue for dispute resolution.

Filing with small claims courtBy Thomas Sherzan, attorney, Abendroth and Russell Law Firm

Cost-effective way of resolving claims

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A: New and pre-owned vehicles with relatively low miles typically come with some type of warranty protection. But what happens when that warranty expires or you purchase a vehicle out of manufacturer’s warranty? Consideration of an extended warranty depends on your tolerance for risk, the reliability of the vehi-cle, the vehicle’s remaining useful life and reputation of the extended warranty company. Automobiles today are more reliable than ever so do your homework. Extended warranties are not insurance. They are also known as protection plans, maintenance agreements, service contracts and even prepaid repair con-tracts. However, all contracts are not created equal. This is where your research and coaching from a mechanic or dealer you trust comes into play. Remember that you are purchasing a machine and machines can and do fail. Assuming you do all manufacturer’s recommended maintenance, what can you anticipate in mechanical failures? Your research could lead you to the specific warranty options that make the most sense for you. You can purchase warranties through an auto dealer or from after-market companies. It’s convenient through the dealer at time of purchase and can often be rolled into your financing. Prices are all over the board, so again, do your homework and compare. Remember that your arrangement is through the ser-vice administrator, not the dealer. Be wary of after-market warranty solicitations after purchase. Check with BBB.Research the quality and service of the company. Our experience is you get what you pay for.

Q: Should I ever buy an extended warranty?

Information provided by Tab Miller and Mona Lillard, Preowned Solutions, 11010 Douglas Ave., Urbandale, 515-528-8100.

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insurance advice By Ben Buenzow

By Ben Buenzow, State Farm® agent

Information provided by Ben Buenzow, State Farm Insurance, 3273 100th St., Urbandale, 270-8870.

How disability income insurance can help protect you

W e depend on our pay-checks to cover our expenses: groceries,

housing, transportation — and those are just the basics. When a person is unable to work due to a disabling injury or illness, the financial impact of lost paychecks can be devastating. An income interruption due to a disability isn’t something you can afford to ignore. According to the Social Security Administration, more than one in four 20-year-olds will become disabled at some point before they retire. And 50 percent of working Americans would suffer financial issues in less than a month if they lost their paycheck. Twenty-five percent would have problems immediately — within a week — according to the Life and Health Insurance Foundation for Education (LIFE Foundation). Here are some steps you can take right now: -check. When the unexpected happens, disability insurance can help. Disability insurance essen-tially replaces a portion of your income — generally about 40 to 60 percent — if you can’t work due to accident or sickness, says Matthew Tassey, CLU, ChFC, LUTCF and past chairman of the LIFE Foundation. “Disability insur-ance should be a priority,” he says. “We always have expenses.” There’s no one-plan-fits-all approach to disability insurance. Some employ-

ers offer disability coverage, whether long-term or short-term, so check with your company’s benefits manager to see if you have coverage, and if so, what that coverage provides. If you don’t have it, you can purchase an indi-vidual plan. Some terms to know when shopping for disability insurance: Refers to the length of time you need to be disabled before you receive payment. Refers to the length of time benefits will last.“The quicker the money comes your way and the longer it pays, the more expensive it is,” Tassey says. And he points out that, on average, a 30-year-old non-smoking healthy male can receive $1,000 a month up to age 65 for about $30 a month. His benefits would begin after 90 days.

Guard your paycheck if you are off work

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A good lunch makes for a good afternoon. So, on a cold and rainy afternoon

my husband, daughter and I went on a search for a good meal. We decided to try out Buffalo Wild Wings on Merle Hay Road. As we stepped into the large, warm restaurant full of flat screen televisions, I had a feeling we had made a good choice. As our waitress seated us, she informed us that it was “tradi-tional Tuesday.” She explained this means bone-in wings are on spe-cial for only 50 cents per wing. My husband jumped right on this and ordered several of the traditional wings with the hot barbecue sauce. With 16 different sauce choices, there is quite a lot of variety. A slave to the originals, he decided to go with a safe, yet spicy choice. I, however, decided I would try something just a little bit different. The menu has much more than just wings. There is a variety of appetiz-ers, salads, sandwiches and even wraps. I decided on the chicken wrap. Boring, you say? Not so. This wrap is loaded with lettuce, crispy or grilled chicken, tomatoes and yummy shredded cheese. On top of that, I was able to choose which sauce I wanted to top my wrap. I chose the sweet barbecue sauce

and made it my own by opting out on the tomatoes. We sat, chatted and kept our little girl occupied as we waited for our meals. There were lots of other full tables of happy diners. The whole place smelled delicious, and I couldn’t wait for my food.

As if on command, the wait-ress arrived with our choices. She sat down my wrap, nestled in a basket with salty tortilla chips and a cup of chunky salsa. My first bite was full of juicy, crispy chicken smothered in sweet sauce. The flour wrap was soft, yet thick and hearty. My husband dunked his wings in zesty ranch sauce and was given a few extra baskets to easily get rid of the bones. By the end of the meal, he was messy, full and happy. Buffalo Wild Wings in Urbandale is a great place to take family, friends or even a date for great, filling food and a laid-back atmosphere.

Sauces rule at Buffalo Wild Wings

The chicken wrap at Buffalo Wild Wings is loaded with crispy chicken, fresh lettuce and your choice of yummy sauce.

By Elaine Lenz

Lots of choices

dining Submit ideas to [email protected]

Buffalo Wild Wings4345 Merle Hay Road(515) 270-9464Hours:Mon. - Sat.: 11 a.m. - 1 a.m.Sunday: 11 a.m. - 11 p.m.

Phot

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Ela

ine

Lenz


H ome care is an excellent cost-effective alternative to institutional care.

Home care encompasses a broad spectrum of health and social services, delivered to recov-ering, disabled or chronically ill persons in their own homes. Consumers overwhelmingly prefer home care delivered services to institutional care because it keeps families together, supports inde-pendence and is significantly less expensive. Home care is paid for by a variety of sources. They include: Home care services can be per-sonally paid. The scope of services and the charges are negotiated between the client and the agency. Services can include medical, non- medical and perhaps concierge offerings. Policy coverage varies. Generally private insurance coverage is lim-ited to physician-directed medical services and equipment. The person receiving services must be under a doctor’s care, homebound and in need of part-time or intermit-tent skilled nursing care or eligible therapy services. Eligible clients may receive a range of services which include skilled nursing, home health aide, speech and occupa-tional therapy, physical therapy, medical social work and medi-cal supplies or equipment. Home bound does not mean that the per-

son is confined to his or her home or is bedridden. It means that it’s a considerable taxing effort to leave the home to receive health care treatment. Absences from the home are infrequent and relatively short in nature. This assistance program provides services simi-lar to Medicare for low-income people. No prior hospitalization or “skilled” level of service is required to qualify. Individuals do not need to be home bound. Under Medicaid, home care servic-es may be provided under the fol-lowing waivers: Elderly Waiver, Ill and Handicapped Waiver, Physical Disability Waiver, Intellectually Disabled Waiver and the AIDS Waiver. Other funding sources include Magellan, VA, Social Service Block Grants, Older Americans Act, Worker’s Compensation, Health Maintenance Organizations and Champus. If you are considering home health services for yourself or a loved one, help is a phone call away. Contact a home care agency and request a complimentary in home health assessment. A reg-istered nurse will come to your home, complete a thorough assess-ment and develop a customized care plan to help you stay safely in your home as long as possible. He or she will help determine which resources you have available and will contact your physician for orders if necessary.

home health care By Becky Rinke, RN, BSN, COS-C

An alternative to institutional care

Information provided by Becky Rinke, RN, BSN, COS-C, Iowa Home Care, Director of Clinical Services, 515-222-9995.

Home care is a cost-effective choiceBy Becky Rinke, RN, BSN, COS-C


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

Brenda Reicherts and Becky DeVries at Taste of Urbandale hosted by the Chamber of Commerce

on Sept. 27 at Hilton Garden Inn.

Chris Ranallo and Micah Wagner of Decoy at Taste of Urbandale hosted by the Chamber of Commerce on Sept. 27 at Hilton Garden Inn.

Ben and Julie Buenzow at Taste of Urbandale hosted by the Chamber of Commerce on Sept. 27

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Karol Watson and Elizabeth McGuire at Taste of Urbandale hosted by the Chamber of Commerce

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David and Jessie James at Taste of Urbandale hosted by the Chamber of Commerce on Sept. 27


Todd Davis, H.A. Gross and Cindy Gross at Taste of Urbandale hosted by the Chamber of Commerce on Sept. 27 at Hilton Garden Inn.

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Sally and Dan Wisner at Taste of Urbandale hosted by the Chamber of Commerce on Sept. 27


Russ and Pam Schroeder at Taste of Urbandale hosted by the Chamber of Commerce on Sept. 27


Betty Devine, Terry Rich and Mary Polson at Taste of Urbandale hosted by the Chamber of Commerce on Sept. 27 at Hilton Garden Inn.

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W hen looking for a Nest of Snakes in the garage of Urbandale’s

Jason Boten, look up, not down. Playing guitar, and about any-thing else since age 14, Boten’s garage has been home to a long list of bands; his newest being Nest of Snakes. “I’ve been playing since I was a kid,” says Boten. “I’ll play every-thing from drums, keyboard, bass, lead — pretty much anything you see in a rock band. My daughter, however, is set for the orchestra. She plays oboe, flute and piano. We’re about as opposite musically as you can get.” Growing up in Altoona and attending Iowa State University, Boten has been involved in the central Iowa music scene for a long time. “I use to play at Hairy Mary’s and a bunch of other places that aren’t around any more,” says Boten. “Our first gig for the Nest of Snakes is at the Hull Tap in November. I’m pretty excited.” The ceiling of Boten’s garage is covered with posters from gigs of his previous bands. The posters were designed by Boten, who is a graphic artist and works for the State Department of Economic

Development. “I’ve worked there for about 13 years,” says Boten. “Before starting there, I wore a suit and worked for Principal, but I wanted to help provide affordable housing, so I quit and took a job with the State helping promote affordable housing in communities. It meant a cut in pay, but it seemed like a perfect fit.” At the same time, Boten was beginning a family and weighed more than 300 pounds, He smoked and was, he felt, generally unhealthy. “In a day, I decided to do something about it,” he says. “I quit smoking, started walking and joined Weight Watchers.” Since that time, more a decade ago, he has lost more than 70 pounds, ran several marathons and now rides his bike to work daily, regardless of the weather. “It’s just not worth being so unhealthy. My kids deserve to have me around,” he says. “That being said, I’m keeping my orthopedic surgeon in business. Two weeks after I ordered my newest bike, I had surgery on my knee. After surgery my doctor just said ‘Call me when you’re ready for your other one.’ ”

what’s in your garage?

By Dave Mable

Jason Boten stays involved in music scene

Nest of Snakes

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

Posters from previous bands decorate the ceiling of Jason Boten’s garage.

finance

Information from Iowa Bankers Association, provided by Charter Bank, 5526 N.W. 86th St., Johnston, 331-2265.

W ith interest rates at record lows, you face a number of choic-

es for managing your money. Whether you want to save, spend or invest, consider your options and choose the strategies that best suit your particular financial circumstances. Here are five tips for low-interest-rate periods: With interest rates at historic lows, it makes sense to consolidate debt into one low-interest loan. For example, if you have outstanding balances on several credit cards, consider transferring those balances to one credit card with the lowest interest rate. If you qualify, it may be a good time to apply for a home equity line of credit to consolidate debt or make a home improvement. cards with the best interest rates. You may be able to get one with better terms than the one you are currently using. Or, ask your credit card issuer to lower your interest rate to make it more competitive. now. If you’ve been thinking of making a major purchase like a house or a car, today’s low-inter-est rates make it a good time to finance big-ticket items. However, make sure you have a good credit record and can pay off the loan before applying.

credit report. Review the report carefully to verify its accuracy and dispute any errors. Errors in your credit report may affect your credit score, and higher credit scores can mean lower interest rates. To order a free copy of your credit report from each of the three major credit bureaus every 12 months, and to purchase your credit score, visit www.AnnualCreditReport.com or call toll-free (877) 322-8228. If your score is lower than you’d like, pay down your balances and pay bills on time to raise your score. Just because standard savings accounts aren’t paying a lot of interest now doesn’t mean you should stop sav-ing for your future. Your savings will still accrue, you’ll be less likely to spend it and you know it will be safe. If you can afford to lock up your money for a while, lon-ger-term Certificates of Deposit (CDs) typically pay the highest interest rates. These tips are provided by Charter Bank via their source: the Iowa Bankers Association (IBA), rep-resenting banks and thrifts in the state. The IBA serves it members by providing legislative advocacy, train-ing, regulatory compliance and other services designed to enhance the ability of banks to serve their com-munities. Learn more at www.charter-banker.com and www.iowabankers.com.

Take advantage of low interest rate environmentBy Iowa Bankers Association

Consider your options and choose a strategy

Phot

o by

Dav

e M

able

www.iowalivingmagazines.com/urbandale Urbandale Living NOVEMBER | 2012

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