URBANDALE Living FEBRUARY 2017 MAGAZINE Tracing your HISTORY Urbandale residents dig deep to research their genealogical backgrounds EDUCATION U.S. POSTAGE The exercisers PRSRT STD RECIPE PAID Silky chicken soup BIG GREEN UMBRELLA MEDIA GARAGE ECRWSS POSTAL CUSTOMER BIG GREEN UMBRELLA MEDIA 5619 N.W. 86th St., #600 Johnston, Iowa 50131 Cassie’s car I Had A Vision And Now It’s My Kitchen “The design team translated my vision for a new kitchen into reality. They were so easy to work with and really listened to what I wanted. The project always met deadlines with excellent communication of the process. I felt their enthusiasm matched mine! I am so impressed with the quality of the work done that I am already planning my next project!” Laura Whitelaw Enjoying her newly remodeled kitchen Greg and Cheryl Arganbright, Owners 3904 NW Urbandale Dr. Urbandale | 278-1531 Woodharbordm.com Showroom Hours Mon-Fri: 8:30-4:30 Sat. 10-1 WELCOME ON TO the next decade They said it would never work. It would fold in a year. Residents wouldn’t read it. Advertisers wouldn’t get response. Goodman would get bored with it and move on. Boy, am I glad I didn’t listen to all the naysayers. If I would have, who knows what I would be doing right now? Probably working for one of those pessimists who told me the Iowa Living magazines would fail. That was 2007, and in just 10 years we took one lifestyle magazine and grew it to 20 with more than 150,000 circulation and 250,000 monthly readers. We had a few hiccups along the way and we learned some valuable lessons, but the results have been overwhelmingly positive, and the experience has been a lot of fun. Maybe most importantly, we stuck to our guiding principles about publishing local content, printing in full color and using excellent distribution systems. We took the editorial approach of city/regional magazines and combined it with what we felt were the best parts of community newspapers. The end result is a lifestyle magazine, packed with positive news and information about the people, places and events in a community. After 10 years, it’s time for a few changes, and you’ll notice many of them in this month’s issue. We didn’t go too crazy with things, as we know readers don’t like a lot of change all at once. You will mostly notice some cosmetic improvements like our new logo, different headline and copy fonts, larger photos, and some layout adjustments. In months ahead, we will introduce you to some new editorial features and enhancements to our website, our digital issues and our email blasts that will provide even more features and benefits. And you will receive all this for the same great price — FREE! I truly appreciate your readership and your trust in us. As long as I am the publisher and owner of this magazine, I assure you that we will never take that for granted. I look forward to serving you for decades to come. As always, thanks for reading. n Some sales people will say anything ... ...to get your advertising dollars. You need to be sure you are getting the circulation you are paying for. That’s why the Iowa Living magazines have been audited by the Circulation Verification Council, a national, independent newspaper and magazine auditing firm. Don’t just believe what you are told by advertising sales reps — ask for proof. 97.7% receivership | 76% readership | 72.8% purchase score For a copy of our complete circulation and readership audit, and to learn what these numbers can mean to your business, contact Ashley Sohl, advertising director. 515.953.4822 ext. 303 ashley@dmcityview.com www.iowalivingmagazines.com SHANE GOODMAN Publisher Darren Tromblay Editor 515-953-4822 ext. 304 darren@dmcityview.com Jolene Goodman Advertising 515-326-0082 jolene@iowalivingmagazines.com Living IOWA MAGAZINES www.iowalivingmagazines.com FEBRUARY | 2017 Urbandale Living magazine 3 FEATURE Tracing your HISTORY Urbandale residents dig deep to research their genealogical backgrounds By Amy Kort From ancestory.com to microfilm, many ways are available to research a family’s history. There are also many reasons people do it, including validating family stories, finding a potential relation to someone famous or gaining a better understanding of an ancestor’s involvement in a famous historical event. For Linda Greethurst, her interest in genealogy started with reading an article about what health issues are inherited and could be — or have been — passed down. 4 Urbandale Living magazine FEBRUARY | 2017 www.iowalivingmagazines.com Linda Greethurst has worked on her family’s genealogy of and on for the past 35 years. FEATURE “I realized that I had no idea what my grandparents died of besides being old,” she says. “My father had just died of a heart attack, and I knew that my mother was having heart issues.” Greethurst’s dad died in 1981, and she read the article six months later. The idea of family history research simmered on the back burner of her mind for about another six months. “So, it’s been a little more than 35 years that I’ve worked on genealogy off and on,” she says. Greethurst has both sides of her family tracked back to the mid-1600s. Her dad’s side is full Norwegian, and her mom’s side is full German from Schleswig-Holstein. Her Norwegian grandfather graduated with honors from a military academy in Norway. “He changed his name when he immigrated,” she says. “Grandpa didn’t graduate with any honors from the academy — he flunked out. He hated the military. And he was using the same name as a 16-year-old at the academy as he did his entire life in the U.S. This man died in 1918 of the flu when my father was a young boy. Seems that my aunts, as they aged, ‘embellished’ the story to make it sound better.” Simple assignment Heidi Zlab moved to Iowa in May of 1991 from Nebraska. The next fall, her daughter Kelsey had an assignment in second grade, which exposed her to a tiny piece of genealogy research. “A simple line-drawn tree was sketched on a piece of white paper with spaces for her to write her name, her parent’s names and her grandparent’s names,” she says. “Simple, right? Well, the project didn’t stop there.” Her daughter wanted more names to be added — a bigger tree and more branches with spaces for more names. Zlab didn’t know the next names to be placed on her expansive tree. “I didn’t know my four grandparents’ names,” she says. “I couldn’t ask my parents, as they both died when I was 23 years old. I remembered I had several boxes hidden away in my basement that I had kept for Heidi Zlab and husband Mark hold test tubes containing vials of saliva to submit to Ancestry.com DNA testing. www.iowalivingmagazines.com FEBRUARY | 2017 Urbandale Living magazine 5 FEATURE about a decade after my parents’ deaths.” Once she opened the boxes, she found her mother’s baby album and a well-kept memory album of her parents’ lives from engagement through the first few years of marriage. Hundreds of photographs were there — some with names. Several letters written to her mother while her father was serving in World War II, and a family tree, were also there. “I discovered my grandparents’ names and birth location, as well as some information about my great-grandparents,” Zlab says. Larry Slavens’ grandfather, Guy Slavens, in a photo taken in 1911 when he was 23 years old. She also discovered that her grandfather was born in Muscatine, so she made a mental note that if she ever was near Muscatine, she would try to check out information about her grandfather. Fast forward to 2004 when Urbandale High School played in the Boys State Soccer Tournament in Muscatine. She volunteered to chaperone and had time to find information about her grandfather. Her first stop was the Musser Public Library where she found a wealth of information looking through the card catalog, including her great-grandfather’s name. The information she gleaned from the card catalog led her to the Greenwood Cemetery. Once there, she found her great-grandparents’ burial location, along with additional relatives. “It was there that I started my genealogical quest. That warm, spring day in 2004 with one name — my grandfather,” she says. “Today, I have connected more than 25,000 people in this one tree. It’s not about the numbers, though. I really have been researching to find stories and photographs that go with some of my ancestors. A recent gift I received was a subscription to historical newspapers where I’m hoping to find information about my ancestors.” College history For Larry Slavens, his interest in his genealogy began in a college history class. “I took a University of Iowa course on the Civil War and wondered if I had any ancestors who fought for the Union,” he says. “I had a great-great-grandfather whose Indiana infantry unit was with (General) Sherman on the march to the sea. In practically every other line, while my direct ancestors didn’t serve, they had brothers who did. I got the genealogy bug by researching those family lines.” In fact, his fourth great-grandfather, his wife and his baby were among a group of Kentucky pioneers captured by the British in 1780 during the Revolutionary War. About 470 captives were marched from Kentucky to Detroit and held there for several months. Currently, he’s studying up on the history of the Oklahoma land rush of 1889 and the early history of Oklahoma City. “My grandfather was born at Oklahoma Station in 1888,” he said. “I learned recently 1917 - 2017 We appreciate your business! www.PTSb.bank 800-891-9389 ADEL | CLIVE | GRAND JUNCTION | GUTHRIE CENTER | JEFFERSON | OGDEN | RIPPEY | SCRANTON | WAUKEE 6 Urbandale Living magazine FEBRUARY | 2017 www.iowalivingmagazines.com FEATURE that he wasn’t the first white child born there, at what would become Oklahoma City, but he very likely was the second. In my family, there’s a story that my great-grandfather had title to a claim for a lot in what became downtown Oklahoma City but lost it in a poker game. In my research, it looks more likely that he was a true ‘Sooner,’ staking out his claim before the territory was opened up for settlement in 1889 and hoped to keep it through preemption or ‘squatter’s rights.’ ” Where to start Slavens sees genealogy as having two parts. “One is filling out your tree,” he says. “This is an exercise in problem solving, or at least you’ll be more successful thinking through your research rather than taking a willy-nilly shotgun approach. Define what it is that you want to know, such as, ‘I want to prove or disprove that my second great-grandfather William Crane is the son of George and Betsy (Lytle) Crane, as someone else’s undocumented tree states.’ Then you can think through what kind of records might be available — birth, marriage or death records; obituaries; family Bibles; probate records; land deeds; military records; and so on.” He says to gather those records online, on microfilm or at libraries or archives. The other part is discovering where your ancestor lived, he says. For example, his Slavens family lived in the Shenandoah Valley of Virginia during the Revolutionary War, and his third great-grandfather fought for the patriots. “Through basic historical research, I can discover if there were any battles near the family home, and I can look up the battles mentioned in my ancestor’s pension file,” he says. “History comes alive when you can think, ‘My ancestor was a part of that.’ ” Slavens says the first step is recording what you know using a genealogy software program such as Family Tree Maker or RootsMagic. “Start with yourself and your parents, then add your grandparents, great-parents, your siblings and those of your ancestors, whatever you know. And ask other family members what they know,” he says. “That will give you a good handle on what you don’t know, like, ‘I don’t know anything about my paternal grandmother’s family.’ From there, you figure out where and how to find the information that will fill in those gaps.” Zlab used a variety of resources, but she made some mistakes early on in her research. “I thought I could just find everything I needed to discover by viewing free genealogy websites pertaining to family trees,” she says. “I later learned that what probably took me three years to research could have been done in about six months using both onsite and online resources. The resources at The Iowa Genealogical Society in Des Moines have been extremely helpful in my research. The library at The Iowa Historical Society and The Midwest Genealogical Society in Kansas City, as well as subscriptions to genealogy websites, have also been invaluable.” Jennifer Ewing, executive director at Iowa Genealogical Society and an Urbandale resident, said her cousin did an extensive family history about 30 years ago. “Fast forward to 10 years ago. I was caring for an ill relative, and my knitting skills were lacking,” she says. “I got a free subscription for 14 days to ancestory.com. I learned that my great-grandmother was a descendant of a Mayflower pilgrim. I was hooked.” n NEED MEMORY CARE FOR YOUR LOVED ONE? The Bridges Memory Care at Ramsey Village is a safe and secure environment with professionally trained staff to care for those with memory loss. • Private & Semiprivate Furnished Rooms • Specialized activities program designed for those with advanced stage Alzheimer’s/Dementia • Covered by most insurances • Therapy Services available • Individualized care plans with family involvement on resident cares BRIDGING YOUR LOVED ONES TO THE CARE THEY DESERVE SCHEDULE A TOUR with a trusted advisor 1611 27th STREET, DES MOINES, IA 50310 • 515.259.1926 Located in the historic Drake University neighborhood www.iowalivingmagazines.com FEBRUARY | 2017 Urbandale Living magazine 7 EVENTS AROUND TOWN Feb. 3 Varsity basketball To submit calendar items for consideration, send information to darren@dmcityview.com Feb. 7 Crazy 8s Urbandale vs. Johnston Urbandale High School north gym. Girls 6:15 p.m., boys 7:45 p.m. www.cimlcentral.org Crazy 8s is an after-school math club for first and second graders designed to get them fired up about math. Please register each week online or call 278-3945. Urbandale Public Library, 3580 26th St., 5-6 p.m. www.urbandalelibrary.org Feb. 18 Cabin Fever: Spirits & Sweets Pair cocktails mixed by Iowa artisan distillers with bite-sized sweets and savory items created by local eateries. Complimentary snacks and soft drinks are included. Tickets are available online through Feb. 17 at noon. Tickets will be available at the door unless sold out. Living History Farm’s visitor center, 11121 Hickman Road, 3-6 p.m. www.lhf.org Feb. 27 Pops concert Feb. 8 Fit Club Feb. 8 Preschool pre-registration Urbandale School District 6 p.m. Online pre-registration begins at 6 p.m. for 3-year and 4-year preschool. www.urbandaleschools.com Feb. 13 Citizen U – Schools and their impact on the community Free informal session. Register in advance to allow for appropriate room accommodations. Urbandale High School, 7111 Aurora Ave., 6:30-8 p.m. www.urbandale.org Urbandale High School PAC 7 p.m. www.cimlcentral.org Each week you will work out to a new DVD. Please bring a towel and water bottle. No registration is needed. Ralph Whitten Shelter, 72nd Street and Aurora Avenue, 6-7 p.m. www.urbandale.org Feb. 25 Talk with Officials Feb. 14 Boys varsity basketball Talk with elected officials at all levels including the Senate, House, county, city and Urbandale Schools. Urbandale Chamber of Commerce, 2830 100th St., Suite 110, 10:30 a.m. – noon. www.uniquelyurbandale.com Urbandale vs. Des Moines North Urbandale High School south gym 7:45 p.m. www.cimlcentral.org March 1 Game On! Kids age 8 and older are invited to get their game on. Cards, board games and chess for players of all skill levels. Urbandale Public Library, 3520 86th St., 4-5 p.m. www.urbandalelibrary.org LET’S START SPRING EARLY WITH A SPARKLING HOME! • We will provide consistent, high quality service at an $ affordable price 515.270.1612 www.maryscleaningcare.com 8 Urbandale Living magazine FEBRUARY | 2017 www.iowalivingmagazines.com • Weekly, bi-weekly and monthly service • One time and move out cleanings available • Cleaning supplies and equipment provided • Locally owned and operated • Licensed and insured 75 OFF CLEANING $25 off 1st, 3rd & 5th Cleaning Not valid with any other offer. Expires 2/28/17. EVENTS IN THE AREA Hairball “The Sound of Music” Hear your favorite Guns n’ Roses, Whitesnake, Bon Jovi, Def Leppard, Motley Crue, Ozzy, AC/DC, Journey, Poison and more. Tickets $23 in advance, $30 day of show, plus $3 convenience charge. Richard O. Jacobson Exhibition Center, Iowa State Fairgrounds, 3000 E. Grand Ave., Des Moines, 7:30 p.m. www.iowastatefairgrounds.org A new production of “The Sound of Music,” directed by three- time Tony Award® winner Jack O’Brien. Tickets start at $35. Des Moines Civic Center, 221 E. Walnut St., Des Moines. www.desmoinesperformingarts.org. Feb. 3 Feb. 7-12 Fred Hersch Trio Feb. 9 Botanical bath bombs Feb. 9 “Close to You: Music of the Carpenters” Feb. 14 Lisa Rock, a singer and songwriter who has had a love for and fascination with the Carpenters and their music for years, performs a tribute to Karen and her brother Richard. Tickets start at $22. Stephens Auditorium, 1805 Center Drive, Ames, 8 p.m. www.center.iastate.edu. Whitney Bouma’s class will explore the best bath botanicals, essential oils, petals and more to make bath bombs to take home for a floral soak. Members $25, non-members $30. Registration closes three days prior to class date. Greater Des Moines Botanical Garden, 909 Robert D. Ray Drive, Des Moines, 6-7:30 p.m. www.dmbotanicalgarden.com Fred Hersch balances his internationally recognized instrumental and composing skills with significant achievements as a bandleader, collaborator and theatrical conceptualist. Tickets start at $29. Temple Theater, 1011 Locust St., Des Moines, 7:30 p.m. www.desmoinesperformingarts.org. Soup supper Feb. 24 Join us for a bowl of soup, dipping bread and dessert. Listen to a topical presentation at 5:30 p.m. This is a great way to connect with the Arboretum during the colder months. Price: $8. Iowa Arboretum, 1875 Peach St., Madrid, 4-7 p.m. www.iowaarboretum.org. Feb. 24-26 Iowa Wild vs. Cleveland Monsters “Chicago” has everything that makes Broadway great: a universal tale of fame, fortune, and “All That Jazz.” Tickets start at $25. Stephens Auditorium, 1900 Center Drive, Ames, Feb. 24-25, 7:30 p.m., Feb. 26, 2 p.m. www.center.iastate.edu. Crash bobble head give-away sponsored by Iowa Ortho and 98.3 The Vibe, first 1,500 fans. Wells Fargo Arena, 233 Center St., Des Moines, 3 p.m. www.iowawild.com. “Chicago” www.iowalivingmagazines.com Feb. 19 FEBRUARY | 2017 Urbandale Living magazine 9 LEGAL By Ross Barnett DIRECTING your funeral arrangements Law allows individuals to name a designee Iowans now have a simple way to direct their funeral arrangements and disposition of their remains after death. The Iowa Legislature passed Iowa Code §144C, entitled the “Final Disposition Act.” It allows an individual to name a designee who shall have the exclusive right to make decisions regarding the final disposition of the decedent’s remains and the ceremonies performed. This law went into effect in 2008. The designation must be in writing and contained either in a health care power of attorney or in an instrument attached to the health care power of attorney. The way the law is currently written, it appears that a person must have a health care power of attorney in order to appoint a designee under the Final Disposition Act. A durable health care power of attorney is a document through which you name another person to make health care decisions for you if you are unable to make them. The person, known as your “attorney-in- fact,” is required to make decisions according to directions you provide. If your wishes are not known, your agent will make decisions in your best interest based on the discussions you have had with your agent. The document is “durable” because it remains effective even if you become incapacitated or incompetent. Placing a final disposition designation within a durable health care power of attorney gives you maximum control over your final arrangements. The designation can contain one or more alternate designees and may include contact information for the designee and alternates. However, the declaration shall not include directives for final disposition and shall not include arrangements for ceremonies. Therefore, if you appoint a designee, it is critical that you speak with that person about your final arrangements. A designee or third party (such as a funeral director) who relies in good faith on the declaration is insulated from civil and criminal liability. If there is a question about the type of ceremony or the disposition of remains, the funeral director will defer first to the person you appointed. Your agent must act quickly, however. The designee has either 24 hours after notification or 48 hours after death, whichever is earlier, to exercise the authority. A final disposition act designation allows you to nominate someone you trust, will ensure that your wishes are carried out and can prevent disagreement among your loved ones during a difficult time. n Information provided by Ross Barnett, attorney for Abendroth and Russell Law Firm, 2560 73rd St., Urbandale, 278-0623, www.ARPCLaw.com. ARE YOU READY? IS RETIREMENT JUST AROUND THE CORNER? SEE US FOR HELP WITH Trusts n Wills n Power of Attorney n Advanced Directives n Estate Planning n Guardianships and Conservatorships n Superior Service. Legal Solutions. EXPERIENCED ATTORNEYS SINCE 1987 Abendroth and Russell Law Firm 10 Urbandale Living magazine FEBRUARY | 2017 www.iowalivingmagazines.com 2560 - 73rd Street n Urbandale 515.278.0623 n www.ARPCLaw.com CREDIT UNION By Holly Luca WHAT credit card is best? There are benefits, but don’t fall in a trap Q: My son is off to college, and I’d like him to have a credit card for emergencies. What type of credit card is best for a young person who is just starting to build a credit history? A: If you want your son to use that credit card for emergencies only, make sure you have that conversation with him and make your expectations crystal clear. There’s nothing like a small piece of plastic in the hands of a young person who never had one to burn a hole in his or her wallet. You may also want to make it clear that you’re giving him a credit card because he’s leaving home and you’re concerned about his well-being — especially for times of emergencies. Define the word “emergency” so there’s no room for doubt ,and make it clear that he will be responsible for paying all of his bills. Having said that, a card through the credit union is one that has built-in benefits for college students. There’s no teaser rate, just a legitimate, standard low rate. Warn your son about low rate or 0 percent APR credit cards or free gifts for opening a credit card account. These options used to be easily accessible on campuses across the nation, but have become less common since the CARD Act of 2009. Keep the lines of communication open by sharing information about responsible use of credit, but don’t do it in a patronizing, preachy way. Be accepting if he does mess up, and look for solutions together. Consider sharing your own ups and downs and/ or feelings about using credit. Help your son understand that too many credit cards is not a good idea. With the right guidance, your son will be able to benefit from the convenience of having a credit card without the danger of it becoming a trap. If you or anyone you know have fallen into the high-interest trap be sure to check out Midland Credit Union’s credit card. We have low interest rates and no balance transfer fees. To apply, call 515-645-9334 or apply online at www.midlandcu.org.n Information by Holly Luca, CCUFC, executive vice president at Midland Credit Union, 2891 106th St., Urbandale, 515-278-1994. We’ll help you High-Rate Credit Cards Have You Fouled-Up? b unce back! Transfer all your high-rate balances to one of our MasterCard credit cards and enjoy NO BALANCE TRANSFER FEES and rates as low as 9.9% APR*! • No annual fees • Manage your card online • Free online or in-office payments • EMV chip technology Contact us for details, or go to www.MidlandCU.org to apply securely online now! Urbandale 2891 106th Street Pleasant Hill 1225 Copper Creek Drive 515-645-9334 www.MidlandCU.org *Annual Percentage Rate. Cards offered with approved credit. See credit union for full details and disclosures. Federally insured by the NCUA. Equal Housing Opportunity. www.iowalivingmagazines.com FEBRUARY | 2017 Urbandale Living magazine 11 WHERE WE LIVE By Rainey Cook GARAGE By Lisa Verhey-Budding A NEW life CASSIE’S car Urbandale couple moves to independent senior living — but not to slow down Prius isn’t her dream car, but it does the trick George and Bonnie Becker in the liv- ing room of their apartment at The Reserve in Urbandale. George and Bonnie Becker have fond memories of moving to the Des Moines area in the 1940s, feeling the excitement of buying land and a small summer home and being the last senior class to graduate high school in Urbandale when the entire school was on Douglas in 1963. Now owners of their own apartment at The Reserve in Urbandale, the couple didn’t want to move far from where they lived — and made those memories — for almost 25 years. The Independent Senior Living option at The Reserve suits their needs now. They are still mobile, and this plan will accommodate their future needs should that change. This couple stays busy and has more friends now than they did when they lived in a single-family home. They drink coffee, play pool, participate in Wii bowling, attend shuffleboard tournaments, play bingo and card games, go to exercise classes and see movies — all inside The Reserve. 12 Urbandale Living magazine “They even have a library here,” Bonnie says. “I was really surprised at how big it is.” The upcoming sock-hop will provide hamburgers, french fries and malts. The dance floor will celebrate the hoopla of yesteryear. Cocktail hour is held every Friday night at 4:30 p.m. in the Fireside Room, and supper is served at 5:30 p.m. George didn’t have to give up his wood-working hobby either. The Reserve has a shop for those who are skilled. Bonnie frequents the walking trails outside with their mini- poodle, Pepper. “When we moved in, we really didn’t lose any square feet, and we didn’t have to get rid of any furniture,” Bonnie says. “We still have birthdays and holidays right here at grandma’s.” With two children, three grandchildren, three great- grandchildren and one more due to arrive in February, their apartment is full of life and making more memories with family. n FEBRUARY | 2017 Cassie Hansen’s 2008 Toyota Prius is great for what she needs it for, she says. There comes a time in nearly every teenager’s life when it’s time to purchase his or her first car. For the parents, the safest option is the best one when the time comes to make that all-important decision. The teen often may think he or she is going to shop around for his or her dream car, but the reality is that parents usually have the final say. Cassie Hansen, 18, of Urbandale, did not receive her dream car — a Corvette Stingray — when she turned 16. Instead, she obtained a family hand-me- down, and she is perfectly fine with that. “I got a 2008 Toyota Prius soon after I turned 16. I had to pay for my own car, and it was previously my dad’s, so he gave me a pretty good deal,” she says. Hansen says the Prius has some nice features that she has enjoyed. The fact that it has 140,000 miles on it does not seem to be a problem at this point. “It runs great for my needs,” www.iowalivingmagazines.com she says. “The only problem is that, when it is windy or icy, it kind of struggles in the wind and in winter conditions. I like the backup camera, push-button start with keyless entry and the very high- pitched horn, which no one could possibly take seriously.” Hansen loves spending time driving around town with her friends “My fondest memories with my car are driving with my best friends while singing at the top of our lungs. I usually just drive to work and school and the occasional road trip with my friends,” she says. The road is wide, and the future is bright for Cassie and her Prius. “After graduation, I am planning on going to Iowa State University and going into engineering. “I plan to take my car with me and leave it at our house in Ames while I’m in the dorms my first year,” she says. n RECIPE By Kris Ellis Tracy SILKY chicken soup Comfort food for the cold The cold wind seems to cut right into my bones. There is a low gray ceiling of clouds, and it would be easy to give in to depression at this time of year. I find I need a big pot of comforting, silky soup! This recipe uses frozen ravioli for convenience. You could use any other frozen pasta with a filling. Try putting the vegetables and stock with the chicken in your crockpot, and you will return to find a home filled with the delicious scent of rich chicken soup. To prepare this, make sure you clean the leek well before you put it in the pot. I like to cut the leek into slices and soak it overnight in a bowl of cold water. Toss away the coarse, dark part of the leek, as it is too tough and fibrous to use. I used a package of soft herbed cheese to finish the soup, and it added to the richness I wanted. You could substitute cream cheese if you don’t have the herbed kind. If you prefer a non-dairy soup, just leave this out. Your soup will be delicious. n Silky Chicken Soup Ingredients 4 chicken thighs 1 leek, sliced and washed 3 carrots, peeled and chopped 2 stalks of celery, chopped 1 bay leaf 1 yellow onion, diced 2-3 quarts water or chicken broth 1 tsp sea salt ½ tsp black pepper ½ tsp thyme 1 16 oz package frozen mushroom ravioli 1 8oz package soft herbed cheese, cubed Directions 1. Put the vegetables, chicken and seasonings with the broth or water in a stock pot or crock pot. 2. Bring to a boil and then reduce to a simmer. Simmer for 90 minutes on the stove or 6-8 hours on low in the crockpot. 3. Remove the chicken, debone and remove the skin. 4. Cut into bite-sized pieces, and return the meat to the pot. 5. Bring the soup back to boiling. 6. Put in as many of the ravioli as you will serve. 7. Boil according to package instructions. (Use the remainder of the pasta when you serve leftover soup. 8. Cooking it all at once and rewarming could result in soggy pasta.) 9. When the ravioli is ready, turn the heat off. 10. Stir in herbed cheese until melted. 11. Remove and discard the bay leaf. 12. Serve with a salad and bread.   515-987-0051 Waggoner Pediatrics of Central Iowa Same location as the last 15 years! DSM Pediatrics - WEST - Hours MONDAY-FRIDAY 8am-5pm SATURDAY MORNINGS 9am-noon. Brian L. Waggoner, M.D. Julie A. Waggoner, ARNP, CPNP Andrea Dettmann-Spurgeon, ARNP, CPNP Samantha K. Schwenneker, ARNP, CPNP Putting families first for more than 25 years. 2555 Berkshire Pkwy, Suite A, Clive 2015 Thanks for voting Dr. Waggoner Best Pediatric Doctor! waggonerpediatrics.org www.iowalivingmagazines.com FEBRUARY | 2017 Urbandale Living magazine 13 HEALTH LIBRARY By Dwight Rastetter, DDS TOOTH pain emergency When toothache pain strikes, most people’s first thought is to call a dentist. Unfortunately, there is an increasing trend for people to visit the emergency room (ER) for toothache pain. The American Dental Association recently reported in its newsletter that “the deterioration in private and public dental benefits coverage for adults has clearly created significant financial barriers to dental care — especially among young adults.” More people visiting ERs for their dental issues, rather than dental offices, puts a strain on the health care system that the Affordable Care Act cannot support. The Affordable Care Act does not mandate dental benefits for adults. ERs cannot provide definitive dental treatment and are only able to provide medication for pain and infection. Regular exams, along with timely treatment of decay and gum disease, are the only ways to achieve dental health. Most dental offices provide after-hours emergency contact numbers should such a situation arise. Most offices make every effort to be available for emergency situations and work with other providers if they are unavailable. n Information provided by Dwight Rastetter, DDS, Douglas Dental, 6128 Douglas Ave., Des Moines, 515-270-6809, www.douglasdentaldesmoines.com. By Urbandale Public Library staff LIBRARY events According to University of Urbandale Public Library Scranton research, only 8 percent 3520 86th St. of people achieve their New Year’s 278-3945 resolutions. Don’t be part of that Hours: 8 percent, especially if this is Mon. - Thur.: 9 a.m. - 9 p.m. the year you’re planning to start Fri. - Sat.: 9 a.m. - 6 p.m. that new business you’ve been Sunday: 1-5 p.m. thinking about. This month’s “Resolution Solutions” program will be a presentation from the Small Business Association on Thursday, Feb. 16 at 6:30 p.m. Make that small business idea a reality by learning everything you need to know to get it started and financed. Other upcoming “Resolution Solutions” programs include how to get organized and declutter your life in March, how to better invest your money in April, and a welcome to Medicare seminar in May. Book Club resolution? Was it your resolution to start or join a book club? We can help with that, too. The library currently hosts three books clubs: Booked for Dinner, On the Same Page and Brown Bag Book Club. Information on the books and meeting times can be found on our website, www. urbandalelibrary.org. We also offer a variety of book club kits you can check out for your own book clubs. Visit the library website or give us a call for more information. It’s time to love yours! Dwight Rastetter, DDS and his staff offer a wide variety of dental services 515.270.6809 6128 Douglas Avenue in Des Moines www.douglasdentaldesmoines.com 14 Urbandale Living magazine FEBRUARY | 2017 Resolutions for kids How about making a resolution to sign your child(ren) up for one of the new STEAM (science, technology, engineering, art and math) or gaming programs now offered for all ages? We have the Crazy 8’s math club for first and second graders every Tuesday at 5 p.m., chess and other board games for kids age 8 and older every Wednesday at 4 p.m., Minecraft and other video games for all ages every Monday at 4 p.m. and even a special STEAM Station on Monday, Feb. 27 at 6 p.m. for preschoolers. We also offer a variety of interactive story times and special family events. AARP Tax-Aide AARP Foundation Tax-Aide will be at the library again this year to offer free tax preparation help to anyone, with preference for people age 50 and older and/or can’t afford a tax preparation service. There’s no fee, and AARP membership is not required. They do not take reservations, but will have volunteers available at the library Monday through Thursdays from 12:30-3:30 p.m. (not available on Thursday, March 23). This service runs through April 13. The library will be closed on Friday, Feb. 10 for staff in-service. n www.iowalivingmagazines.com FINANCE By Jonathan “Jay” Pearson NARROWING the retirement savings gender gap When it comes to retirement saving, many women lag behind men. The 2015 Financial Finesse’s annual survey, The Gender Gap in Financial Literacy, offers more evidence of the problem — along with a few encouraging signs that women may be catching up.1 Deep in the report, some disturbing statistics emerge. Using data from Vanguard and the Employee Benefit Research Institute, Financial Finesse found that the median IRA and workplace retirement plan savings balance for a 45-year-old woman was $43,446. For a 45-year-old man, it was $63,875.1 Obviously, you cannot retire on that. They then gauged the additional amount of savings needed to replace 70 percent of pre-retirement income and pay for estimated medical expenses. It found a 26 percent disparity: the median male employee saver needed $212,256 to reach that goal, while the median female employee needed $268,404.1 A gap in aspects of financial literacy was notable. Just 67 percent of pre-retiree women responded they had general knowledge of investment classes compared to 84 percent of their male peers. While 78 percent of men said they had an emergency fund, merely 67 percent of women did. Just 34 percent of women were confident about the way their portfolios were allocated, versus 48 percent of men.2 Here are a few positive steps you can take to address the gap: • Find out where you stand in terms of savings now. A simple retirement planning calculator (there are many available online) can help you see how much more you need to save per year and over the course of your career. • Save enough to get the match. If your employer will match a percentage of your contributions per paycheck, strive to contribute enough to your plan each paycheck so that the match occurs. • Cut credit card debt. Reduce it and you give yourself more money to save. In some ways, women are narrowing the retirement saving gender gap. Financial Finesse found that 4.2 percent more women had adopted an investment strategy in the 2015 survey, and 2 percent more had done a basic retirement savings projection. This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. n Citations: 1 2015_Gender_Gap_report_final_ brief_v2.pdf [12/3/15] 2 forbes.com/sites/ nextavenue/2015/09/17/the- unexpected-news-about-women-men- and-retirement/ [9/17/15] 3 metlife.com/mmi/research/oldest- boomers.html#graphic [12/3/15] Information provided by Jonathan “Jay” Pearson, VisionPoint, 1601 Westlakes Parkway Suite 200, West Des Moines, (800) 282-4032. WEST DES MOINES 515.222.3102 MERLE HAY 515.276.7529 S. 50th & Mills Civic Pkwy. ANKENY 515.963.2000 Merle Hay Mall JOHNSTON 515.278.0200 2732 SE Delaware Ave. 5441 NW 86th St. Ste. 260 Ste. 300 GOOD AT THESE LOCALLY OWNED LOCATIONS In-store promotion valid through Feb. 28, 2017. See store for details. massageheights.com You’ve Worked Hard to be Successful in your Career Let Us Help You Invest for the Future Your Success is Our Passion VisionPoint Advisory serves clients in a manner which brings personal satisfaction, professional growth and financial freedom. plan • protect • invest Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through VisionPoint Advisory Group, a registered investment advisor and separate entity from LPL Financial. 1601 westlakes pkwy. #200 • west des moines 800.282.4032 • www.vpadvisor.com www.iowalivingmagazines.com FEBRUARY | 2017 Urbandale Living magazine 15 “WELCOME! COME AS YOU ARE!” FAITH By New Hope Assembly of God WHAT’S happening at New Hope Assembly of God Many events for all ages SUNDAY English worship 11:00am Kinyarwanda Worship Pastor Eugene Kiruhura 11:00am Sunday School for all ages UMS UHCC 75th St. Meredith Dr. Pastor Deb Gustafson 86th St. 9:30am I-80 Aurora Ave. URBAN HEIGHTS COVENANT CHURCH 7605 Aurora Avenue in Urbandale • urbanheights.org 16 Urbandale Living magazine FEBRUARY | 2017 Have you been to a Women’s Breakfast yet? If not, you are missing out. It’s a relaxing time of friendship, fellowship, inspiring speakers, and of course, food. You will leave refreshed and blessed. February speaker is Louise Stromberg. She was raised in an abusive home and will be sharing her story of broken relationships healed through Christ. You are encouraged to come and bring a friend on Saturday, Feb. 4, 9-10:15 a.m. in the Student Campus Chapel. Sign up online or at the Events Center. BGMC Super Bowl Sunday Offering will be Feb. 5. Kids will be coming through the Sanctuary during both morning services to collect all the change, dollars or checks you have been saving. The Annual Church Business Meeting will be held on Feb. 5 at 2 p.m. There will be no evening services. Men’s Fellowship Trip — September 9-16, north of Grand Rapids, Minnesota. Campfires, devotions, friendship, relaxation, good food, fishing, TV, internet. Estimated cost of the trip, food, and transportation is $425. To sign up, give your non-refundable deposit of $100 (cash or check made out to New Hope) to Bill Dane by Sunday, Feb. 5. Seasoned Saints (50+) New Hope’s Got (Hidden) Talent is a dinner and a showcase of talent, Friday, Feb. 10 at 6 p.m. in the Student Campus Auditorium. Meat, desserts, and drinks will be provided. Please bring a vegetable dish or salad to share. Sign up online or at the Events Center by Tuesday, Feb. 7. Book Buddies are reading The Chance by Karen Kingsbury. Meeting is on Monday, Feb. 13 in New Hope Java from 6:30-7:30 p.m. for our discussion. The 5th Grade Retreat has been rescheduled for Sunday, Feb. 19 and Monday, Feb. 20, Presidents’ Day. If anyone who has paid for the retreat cannot attend on the rescheduled dates, please call the church office or see Pastor Weaver for a refund. Parents’ Night Out will be held on Friday, Feb. 10 from 6-9 p.m. in the Student Campus Chapel. We will provide a peanut-free snack, craft and lots of fun for kids. Free-will donation with all proceeds going to Speed The Light. Sign up online or at the Events Center. Salvation Army Casserole Sunday will be March 19. Recipes and baking pans are available at the Events Center. Bring casseroles to the church foyer by 9:15 a.m. on March 19. n www.iowalivingmagazines.com 0 AT CASH SIGNING! DUE LEASE $ 4 4 4 4 NO DOWN PAYMENT NO TAX, LICENSE OR SECURITY DEPOSIT NO FIRST PAYMENT INCLUDES GAP INSURANCE 2017 NISSAN ALTIMA LEASE FOR 279 $ 2.5 S * 36/MO. $0 DUE AT SIGNING VIN: JN8AT2MTXHW134586 2017 NISSAN ROGUE LEASE FOR 279 $ S * 36/MO. $0 DUE AT SIGNING VIN: IN4AL3AP8HN317098 4770 Merle Hay Road Des Moines 515-253-0719 • 800-652-0048 www.HummelsNissan.com †Based on 2016 RegTrak sales. **Based on 2015 final sales. Photos are for illustration purpose only. Plus tax, title, & license. $149 doc fee included in lease payment. RogueS-MSRP$25,145,Residual Value: $14,081. Altima 2.5 S-MSRP $24,520, Residual Value: $12,750. Lease for 36 months allows for 12,000 miles per year with .15 per mile for excess mileage. All rebates assigned to dealer. With approved NMAC Credit. Offers apply to DSM & Ames market area. See dealer for details. Offer ends February 15, 2017. www.iowalivingmagazines.com FEBRUARY | 2017 Urbandale Living magazine 17 SENIOR LIVING By Susan Ray TRANSITIONING into retirement Make a plan Most people work the majority of their adult lives. The money that is earned enables us to have our basic needs met and then some. At a certain point during your working life, you look beyond the basics and are able to start saving some of your paycheck. You also start to build a professional team to assist in guiding and directing you. The team may include a financial advisor, banker, an attorney and your partner, if you have one. Together you develop a plan and eventually a “financial plan” for retirement. This all is a process which is gradual and happens over time. Beyond your professional team, there are also a number of resources you can explore on your own through reading. Do your homework. Become familiar with options. Everyone in the industry has an opinion. You’ll need to apply some personal strategy to make your financial plan what you need and want it to provide. When it’s time to retire, replacing your work paycheck with a retirement income isn’t as simple as it sounds. Creating a plan can help ensure your money will last through all your retirement years. During retirement there is a shift from saving money to managing income from what you saved. This is when your plan becomes vitally important. Having had a personal strategy and knowing your needs will have helped you prepare. Personal strategy may include paying off personal debt. Carrying debt into retirement adds a whole different consideration when making your plan. The plan would also include how to best convert your savings into an income. Investigating your options here is critical and is something your financial planner can provide direction. Where to begin making the plan? First, evaluate what your retirement goals are. How do you envision life during retirement? What do you have on your bucket list? Will you continue to work on a part-time basis or in a completely different field which might be less stressful but something you’re passionate about? Of course there is always the option of not working at all. Perhaps your goal is to travel or go on a mission trip. Once your goals have been evaluated, your professional team can begin to assist you in what you’ll need in savings to reach these goals. No matter when you begin the process of preparing a financial plan for retirement, be involved, review regularly with your professional team and stay focused. n Information provided by Susan Ray, executive director, The Reserve, 2727 82nd Place, Urbandale, 727-5927. Join Us Thursday, February 23rd • 10:00 - 11:30 am Build your Retirement Bucket List and learn the best professional tips to navigate your retirement adventure Refreshments | Tour Model Home Plan Your Life & Legacy Where Does Money Go When You Pass? Vicki Monaco Life and Legacy Advisors Bye Bye Home Top Tips to Sell Your Home Eat an Elephant in Small Bites Trust Abendroth Estate Law Planning & Russel Firm Julie Moore Downsizing Your Services Home Senior Transitioning Charlotte W. Sucik Re/MAX Reat Estate Group Tisa Johnson Thank You CITYVIEW for voting The Reserve one of the Best Senior Living Communities - 2 years in a row! 2016 Lease Options Available – See us on Zillow.com and Realtor.com Leasing: SHARON 515.698.9702 Tours: ANN 515.727.5927 or JULIE 515.778.8123 2727 82nd Place in Urbandale | www.ReserveUrbandale.com LOCALLY MANAGED BY Newbury Living 18 Urbandale Living magazine FEBRUARY | 2017 www.iowalivingmagazines.com SPONSORED BY 2017 EDUCATION By Laura Meade MEET Deb, Corey and Chris Breaking the mold of physical education OVER 2000 BIKES ON SALE Deb Perry, Corey Brown and Chris Christensen have spent the last several years developing new curriculum that challenges old physical education ideals in the Urbandale Middle School Physical Education Department. Their goal is to make P.E. courses that are creative, innovative, and, above all, inclusive. “This isn’t just come to class and throw a ball anymore,” Perry says. The trio works together, plans together, and their collaborative efforts have created a P.E. class that breaks through many barriers and stereotypes. “ ‘To each their own’ doesn’t necessarily apply here. We all bring our own unique perspectives and abilities to the table, but we do this as a team,” explains Brown. For the majority of the year, rather than having required participation in one activity, students are given a choice of participating in any one of three activities provided during each class time. These activities vary widely and include team sports, newly- invented group games, lifelong hobbies and leisure activities. Their curriculum also provides for some time to venture outside the gym. The students get to enjoy a full unit on swimming at the Urbandale Pool, and they have another unit dedicated to learning International Dance. They fish in a pond on school grounds, learn how to golf, and they are continually offered opportunities to learn and apply foundations for the successful use of a weight room. Lastly, this department seeks to educate more than just their students. Perry says that parents and teachers who hear about Gatorball, Eclipse Ball, Kan Ball, Tchoukball and other fun games from their children are offered special nights where they can join in the fun. n What do you like best about P.E. at UMS? FOR MORE INFORMATION, PLEASE VISIT: Jaden Scharingson: “I like how interactive our P.E. teachers are with their students.” Kasey Ross: “The teachers make it fun. If you don’t do something properly, they don’t get mad, they just help us do it better.” Jaelynn Cooper: “I like that our teachers understand us and don’t push us to do anything we can’t do.” FACEBOOK.COM/BIKEWORLDIOWA BIKEWORLDIOWA.COM www.iowalivingmagazines.com FEBRUARY | 2017 Urbandale Living magazine 19 OUT & ABOUT RIBBON cutting The Urbandale Chamber held a ribbon cutting for Fresh Fit Foods on Jan. 17. The Urbandale Chamber of Commerce celebrated the opening of Fresh Fit Meals with a ribbon cutting on Jan. 17. David Russell and Mary Russell Sara Jacobson and Linda Franker Lisa Hanrahan, Michelle Carlson and Susan Dunn Rhonda Marx and Monica Hoover 20 Urbandale Living magazine FEBRUARY | 2017 www.iowalivingmagazines.com OUT & ABOUT CHAMBER luncheon The Urbandale Chamber held a luncheon at the Ramada Tropic Resort on Jan. 18. Katie Wheeler and Keelie Fisher Bob Andeweg and Tiffany Menke Rick Silvestrini and Kristin Gose Greg Ellis and Matt Kiernan Charlotte Sucik, Kelsey Clark and Joleen Mahaffey Cierra Snitker, Amy Sands and Reonna Clark www.iowalivingmagazines.com FEBRUARY | 2017 Urbandale Living magazine 21 CLASSIFIEDS DISCLAIMER: This publication does not knowingly accept advertis- ing that is deceptive, fraudulent, or which might otherwise violate the law or accepted standards of taste. However, this publication does not warrant or guarantee the accuracy of any advertisement, or the quality of the goods or services advertised. Readers are cautioned to thorough- ly investigate all claims made in any advertisement and to use good judgment and reasonable care, par- ticularly when dealing with persons unknown to you who ask for money in advance of delivery of the goods or services advertised. FOR SALE NEW 2017 (14x66) MANUFACTURED HOME, 3 Br., 2 Ba., Thermal Windows, 2x6 Walls, Range, 18’ Refrigerator, Espresso Cabinets, vinyl-shingle, FACTORY DIRECT SALES, $29,750 Delivered in Iowa 319-239-1920 ADOPTION PREGNANT? CONSIDERING ADOPTION? Call us first. Living expenses, hous- ing, medical, and continued support afterwards. Choose adoptive family of your choice. Call 24/7. 855-390- 6047 (Void in IL & IN) A CHILDLESS MARRIED COUPLE seeks to adopt. Will be hands-on mom & devoted dad. Financial security. Expenses PAID. Call Holly & Tiger. 1-800-790-5260 (ask for Adam) **ADOPTION:** Child Psychologist & Successful Executive yearn for 1st baby to LOVE & Cherish Forever. 1-800-966-3065 Expenses paid *Abby & Jeff* AUTOMOBILES DONATE YOUR CAR TO CHARITY. Receive maximum value of write off for your taxes. Running or not! All conditions accepted. Free pickup. Call for details. 855-752-6680 DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. Free 3 Day Vacation, Tax Deductible, Free Towing, All Paperwork Taken Care Of. 1-800-283-0205 DRIVE WITH UBER. You’ll need a Smartphone. It’s fun and easy. For more information, call: 1-800-902- 9366 FRUIT & NUT TREES. Blueberry, Strawberry, Grape, Asparagus, Evergreen & Hardwood Plants & MORE! FREE catalog. WOODSTOCK NURSERY, N1831 Hwy 95, Neillsville, WI 54456. Toll Free 888- 803-8733 wallace-woodstock.com MAKE $1,000 WEEKLY! Paid in advance! Mailing Brochures at Home! Easy pleasant work. Begin Immediately! Age unimportant! www.homemoney77.com HEALTH & MEDICAL LIVING WITH KNEE OR BACK PAIN? Medicare recipients may qualify to receive a pain relieving brace at little or no cost. Call now! 844-668-4578 CLASS-A CDL Regional Driver. Good home time. Great pay and benefits. Matching 401k. Bonuses and new- est equipment. No touch freight. Experience needed. Call Scott 507- 460-9011. Apply on-line WWW. MCFGTL.COM STOP OVERPAYING for your pre- scriptions! SAVE! Call our licensed Canadian and International phar- macy, compare prices and get $25.00 OFF your first prescription! CALL 1-800-263-4059 Promo Code CDC201625 PAID IN ADVANCE! Make $1000 Weekly Mailing Brochures From Home! No Experience Required. Helping home workers since 2001! Genuine Opportunity. Start Immediately! www.IncomeMailers.net (VOID IN SD, WI) DIGITAL HEARING AIDS - Now offering a 45-Day Risk Free Offer! FREE BATTERIES for Life! Call to start your free trial! 855-982-0724 FINANCIAL ARE YOU IN BIG TROUBLE with the IRS? Stop wage & bank levies, liens & audits, unfiled tax returns, payroll issues, & resolve tax debt FAST. Call 888-606-6673 STUDENT LOAN PAYMENTS got you down? We can help reduce pay- ments and get finances under con- trol, call: 866-871-1626 FOR SALE TRAILER CLOSE-OUT SALE! New ST205/75D15 on mod wheel $69.00; 4 place snowmobile trailers 20’ & 24’; Fuel Tank trailers: 500 gallon, 990 gallon & no tank trailers; 7’X16’ V-nose ramp door $4,199.00; 14,000# skidloader trailer $3649.00. Trailer Repairs, Hitches, Parts and much more. 515-972- 4554 www.FortDodgeTrailerWorld. com for prices & information! Curt’s Creature Comfort Loving, professional Pet Care in your home Mid-day dog walks Serving Northwestern Polk County, 50021, 50023, 50111, 50131, 50310, 50311, 50312, 50313, 50322 BONDED AND INSURED 943-2301 • www.curtscreaturecomfort.com 22 Urbandale Living magazine FEBRUARY | 2017 OXYGEN - ANYTIME. Anywhere. No tanks to refill. No deliveries. The All-New Inogen One G4 is only 2.8 pounds! FAA approved! FREE info kit: 844-852-7448 rooms.) FREE HD-DVR. Call 1-800- 390-3140 A PLACE FOR MOM. The nation’s largest senior living referral service. Contact our trusted, local experts today! Our service is FREE/no obliga- tion. CALL 1-800-442-5148 ALL THINGS BASEMENTY! Basement Systems Inc. Call us for all of your basement needs! Waterproofing, Finishing, Structural Repairs, Humidity and Mold Control. FREE ESTIMATES! Call 1-800-640-8195 GET HELP NOW! One Button Senior Medical Alert. Falls, Fires & Emergencies happen. 24/7 Protection. Only $14.99/mo. Call NOW 1-888-840-7541 ADT SECURITY protects your home & family from “what if” scenarios. Fire, flood, burglary or carbon monoxide, ADT provides 24/7 security. Don’t wait! Call Now! 1-888-607-9294 FREE PILLS! VIAGRA!! Call today to find out how to get your free Pills! Price too low to Mention! Call today 1-877-560-0997 GOT KNEE PAIN? Back Pain? Shoulder Pain? Get a pain-relieving brace at little or NO cost to you. Medicare Patients Call Health Hotline Now! 1- 800-604-2613 CASH PAID for unexpired, sealed DIABETIC TEST STRIPS! 1 DAY PAYMENT & PREPAID shipping. HIGHEST PRICES! Call 1-888-389- 0695. www.cash4diabeticsupplies. com ATTENTION: VIAGRA AND CIALIS USERS! A cheaper alternative to high drugstore prices! 50 Pill Special - $99 FREE Shipping! 100 Percent Guaranteed. CALL NOW: 1-800- 795-9687 SWITCH TO DIRECTV. Lock in 2-Year Price Guarantee ($50/month) w/ AT&T Wireless. Over 145 Channels PLUS Popular Movie Networks for Three Months, No Cost! Call 1-800- 203-4378 VIAGRA!! 52 Pills for Only $99.00! Your #1 trusted provider for 10 years. Insured and Guaranteed Delivery. Call today 1-888-403-7751 SWITCH TO DIRECTV. From $50/ Month, includes FREE Genie HD/ DVR # 3 months HBO, SHOWTIME, CINEMAX, STARZ. Get a $50 Gift Card. Call 877-894-5275 MISCELLANEOUS FAST INTERNET! HughesNet Satellite Internet. High-Speed. Available Anywhere! Speeds to 15 mbps. Starting at $59.99/mp. Call for Limited Time Price! 844-292-0678 SPECTRUM TRIPLE PLAY: TV, Internet & Voice for $29.99 ea. 60 MB per second speed. No contract or com- mitment. We buy your existing con- tract up to $500! 1-800-919-3588 EXEDE SATELLITE INTERNET. Affordable, high speed broadband satellite internet anywhere in the U.S. Order now and save $100. Plans start at $39.99/month. Call 1-800-712-9365 DISH TV – BEST DEAL EVER! Only $39.99/mo. Plus $14.99/ mo Internet (where avail.) FREE Streaming. FREE Install (up to 6 www.iowalivingmagazines.com CHANGE THE WAY YOU WATCH TV- Get rid of cable and get DIRECTV! You may also qualify to receive $100 VISA gift card when you sign up today - Limited time Only. CALL NOW! 844-359-1203 PERSONALS MEET SINGLES RIGHT NOW! No paid operators, just real people like you. Browse greetings, exchange mes- sages and connect live. Try it free. Call now: 800-357-4970 Reach approximately 3 million homes for only $249. Contact Jolene Goodman at 515-953-4822, ext. 319 or email jolene@iowalivingmagazines.com for details. Rates You’ll Love FOR THAT SOMETHING THEY’LL LOVE LOANS FOR ANYTHING LEGAL Loans up to $10,000 ASK ABOUT OUR AS LOW AS 6.99% RATE MATCH GUARANTEE! APR = Annual Percentage Rate. Rates, terms and conditions are subject to change without notice and may vary based on credit worthiness, qualifications and collateral conditions. For a $2,000 loan with a term of 24 months with a 6.99% APR, the monthly payment would be $89.54. Other terms and conditions are available. Existing loans do not qualify. All loans subject to approval. Community Focused since 1931 515-274-2343 > www.cornerstonecreditunion.com > 414 - 61st Street, Des Moines >> Auto >> Personal >> Real Estate >> Home Equity >> Business APR