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Living
Urbandale
february 2013
50322/50323
magazine
Preparing for
RETIREMENT
LOCAL EXPERTS OFFER THEIR
ADVICE FOR EFFECTIVE PLANNING
GRANDMA MAX’S
BIG GREEN UMBRELLA
PAID
EDUCATION
POSTAL CUSTOMER
MEET JOE TALLMAN
BIG GREEN UMBRELLA
414 61st Street
Des Moines, IA 50312
DINING
U.S. POSTAGE
GARAGE
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MANA
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224 Hwy. 92, Winterset, IA
916 Main Street, Adel, IA
Monday - Friday 8-6
FEBRUARY | 2013
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Saturday 9-2
YOUR OFFICIAL
By Shane Goodman, shane@dmcityview.com
Financial
push-ups
2013 Urbandale Chamber of Commerce
Membership Directory
Publishes April 29
Beth Raasch
Advertising
515-988-5819
beth@iowalivingmagazines.com
Julie Downing
Advertising
515-681-5378
julie@dmcityview.com
Chamber of Commerce
URBANDALE
20
12
PAID
Darren Tromblay
Editor
515-953-4822 ext. 304
darren@dmcityview.com
PRSRT STD
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P.S. Don’t forget to check out www.iowalivingmagazines.com for
exclusives including obituaries, an expanded calendar of events and even
more photos. Q
U.S. POSTAGE
Shane Goodman
Publisher
The Urbandale
Chamber of
Commerce
s pleased to
announce the
publication of the
2013 Membership
Directory. As in
past years, this
publication will
feature information
regarding the
businesses of
the Urbandale
Chamber of
Commerce
with listings alphabetically and by category along with
expanded information on our community.
We have partnered with Urbandale Living
g magazine
to create the directory. This comprehensive directory
will provide invaluable information that businesses and
families will refer to over the course of the coming year,
and it will be designed to drive business to you! This
2013 Membership Directory will also be provided to
newcomers who are relocating to the Urbandale area. In
addition, Urbandale Living
g magazine will create a digital
edition of the directory that will be accessible year
round from our Web site and theirs, that will provide all
listings and advertising.
Community and Chamber
Business Guide
POSTAL CUSTOMER
A
Target your
Urbandale audience!
BIG GREEN UMBRELLA
good friend told me of a conversation he had several years ago
with a financial planner who asked him what he would do if his
wife suddenly died. After being a bit startled by the question, my
friend raised his eyebrows, put his hands on his extended stomach, let
out a deep sigh and said, “Well, the first thing I would have to do is start
going to the gym.”
That’s a silly answer, of course, but the
basic question is one of several we should
all consider and ask ourselves. Do we have
the finances in place so we can survive
financially without our spouse? Have we
put away several months of income to live
on in case we lose our job or can’t work?
Have we saved enough for our children’s
education? Do we have funds invested
properly so we can retire at the age we
desire to do so?
Most of us don’t want to face those
questions because we already know the
answers, and they aren’t good ones.
For this month’s cover story, we interviewed local financial planners
and asked for advice on how to properly plan for retirement and other
important events in our future. You may find some of their suggestions
surprising, but most are just common sense tips we need reminders on
every so often — kind of like going to the gym.
Thanks for reading.
BIG GREEN UMBRELLA
414 61st Street
Des Moines, IA 50312
welcome
TO ADVERTISE, CONTACT:
Julie Downing
phone 681-5378
fax 953-1394
e-mail julie@dmcityview.com
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FEBRUARY | 2013
Urbandale Living
3
inside
As the cold weather
nears things are
just heating up at
5
2&P
8
Cover story
Preparing for retirement
Dining
Grandma Max’s
Care Center!
9
Come by for hot cup
of coffee or cocoa
and a tour today!
Calendar
A comprehensive list
12
Finance
Page 5
Talking about money
13
Health Q & A
Advice from professionals
14
Education
Meet Joe Tallman
4614 NW 84th Street t Urbandale
16
Process of probate
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Urbandale Living
FEBRUARY | 2013
Legal briefs
17
Page 14
Insurance advice
Air bag effectiveness
18
Garage
Signs and motorcycles
20
Recipe
Caramel brownies
24
Chamber
Page 18
News of local events
On the cover: Steve Olejniczak. Photo by Michael Swanger.
PUBLISHER:
EDITOR:
SALES MANAGER:
ACCOUNT EXECUTIVES:
Shane Goodman
Darren Tromblay
Jolene Goodman
Julie Downing
Beth Raasch
Jenny Nielsen
Brooke Pulliam
Michelle Haupts
Dan Juffer
Wendy Goodale
Pete Gardner
Jen Reed
Christina Anderson
ADDRESS: 414 61st Street Des Moines, Iowa 50312
PHONE: 515.953.4822
EDITORIAL: ext.304
ADVERTISING: ext.319
DISTRIBUTION: ext.301
DESIGN: ext.313
ACCOUNTING: ext.301
FAX: 515.953.1394
WEB: www.iowalivingmagazines.com
DIGITAL:
DESIGN MANAGER:
GRAPHIC DESIGNERS:
EDITORIAL ASSISTANT:
CONTRIBUTORS:
BUSINESS OFFICE MGR:
DISTRIBUTION:
Lindsey Woody
Celeste Jones
Karen Ericson
Lindy Vorrie
Kathleen Summy
Michael Swanger
Cady Colosimo
Elaine Lenze
Brent Antisdel
Brent Antisdel
Circulation and readership
audited by
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).
www.iowalivingmagazines.com/urbandale
Submit story ideas to darren@dmcityview.com
Photo by Michael Swanger
feature
Preparing for
RETIREMENT
LOCAL EXPERTS OFFER THEIR
ADVICE FOR EFFECTIVE PLANNING
Edward Jones financial adviser Steve Olejniczak.
By Michael Swanger
here is no shortage of financial advice
and information in today’s world
when preparing to save for retirement. Still, if there are two universal lessons
to be gleaned from this story, they are that it
is never too early or too late to begin planning and saving for your retirement; and that
you are best served seeking the assistance of
a qualified, trusted financial adviser to set you
T
on the right course for executing your plan.
“I tell people that a good coach has a
good game plan. The same thing can be said
about your finances. Talk to more than one
financial adviser and get recommendations.
Find someone you trust to help you start
saving for retirement if you haven’t already
because it will increase your chances of being
successful later,” says Steve Olejniczak, finan-
cial adviser with Edward Jones in Urbandale.
Olejniczak says that while each client
brings to the table his or her own unique
set of financial circumstances, he says most
people are best served following basic strategies when beginning to save for retirement.
They include identifying your retirement
needs, paying off credit card debt, establishing an emergency fund, creating and adhering
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FEBRUARY | 2013
Urbandale Living
5
Submit story ideas to darren@dmcityview.com
to a household budget, enrolling in employer
savings plans or IRAs, and diversifying your
assets.
“The first thing is to pay yourself and
get started with your plan,” he says. “Take
advantage of your employer’s 401(k) and
their match. That’s free money.”
Olejniczak says people often make the
mistake of thinking they have to pare down
their debt before they can begin to pay
themselves. He says there is no time like the
present to begin accumulating wealth.
“You can do both at the same time with
some planning,” he says.
Paying off credit card debt, for example,
yields dividends. If you carry high levels of
credit card debt, paying it off should be a
priority, especially if it carries a high interest
rate. Experts say that reducing credit card
debt is possible if you rein in your spending
and use your credit card wisely.
After that, they say, start saving money
for an emergency fund. If your company
has experienced layoffs or is in bad financial shape, you might want to have a bigger
emergency fund equal to six to nine months
of your earnings.
“Learn to live within your means and
start a rainy day fund in which you set aside
at least three to six months worth of cash to
survive if needed,” Olejniczak says. “Learn
how to use a budget; don’t shoot from the
hip.”
Those who are self-employed or work
for a small company that does not offer a
401(k) retirement savings plan should consider opening up a traditional individual retirement account (IRA) or Roth IRA account,
both of which are tax-deferred. Olejniczak
says they are among the best tools to save
for retirement and that you can also roll over
savings from a 401(k) opened with a previous
employer without risking losing a sizable portion of the balance due to penalties for early
withdrawal.
“So many people leave their employer
and cash out their 401(k). Instead, take
advantage of what you’ve earned and open a
self-directed IRA,” he says.
New rules implemented in 2013 allow
you to contribute more to an IRA or Roth
IRA than ever before, Olejniczak says.
“Those under 50 can now contribute
up to $5,500 compared to $5,000 last year
for an IRA and Roth IRA. You can also do
what we call a ‘Catch Up’ in which you can
add another $1,000 to the account if you’re
over 50 years old. So you could contribute as
much as $6,500,” he says.
Time is an important factor when preparing for retirement. Your retirement account
6
Urbandale Living
FEBRUARY | 2013
Photo by Michael Swanger
feature
Jason Wiltse and Matthew Onstot, wealth advisers and co-founders of the independent firm Wilon Wealth
Management in Urbandale, say that often their clients seek advice on how to save for retirement while balancing
other financial responsibilities.
should take advantage of the concept of
compounding interest, experts say, which
allows your investment income to earn more
income over time.
“I talk to people about the cost of waiting,” Olejniczak says. “If you’re 30 years old,
you have more time for your money to grow
than if you’re 40.”
Olejniczak says the cost of waiting three
years based on a hypothetical value at age 65
at a 7 percent hypothetical rate or return
with an annual contribution of $5,000 can
be dramatic. For instance, at age 30 you can
estimate a savings of $826,527 compared to
$575,931 for starting at age 35, or $397,259
for investing at age 40. Those numbers are
speculative, but they underscore the importance of starting early.
www.iowalivingmagazines.com/urbandale
“People make the mistake of thinking
that they have to make a lot of money before
investing, but that’s not true. Both of my kids
have a Roth IRA, and it will help them years
from now,” says the 49-year-old financial
adviser, husband and father. “But if you’re in
your 40s and you haven’t started saving, it’s
not too late and you’re not alone because it is
not uncommon to talk to people who know
that they are behind the eight-ball. We have
products to help project your liabilities and
assets, and they tell you how much to invest
in an IRA or Roth IRA, for example. There
are many planning tools.”
Retirement income needs vary, so when
determining how much money you need to
retire, financial advisers start with basic factors such as your current income, age now
feature
Submit story ideas to darren@dmcityview.com
and age at which you plan to retire. They
also consider your estimated income during retirement as well as how much money
you’re currently guaranteed from a pension
and Social Security.
Your life span is another important part
of the equation because if you retire at 65
and live to be 95, you have to plan for the
costs incurred during those 30 years. Inflation
is also considered in determining what your
money will be worth down the road.
While most Americans project that saving
$1 million for retirement will suffice, some
say it might not be enough. A poll conducted
in 2010 by Scottrade Adviser Services projected the savings needed by generation. “For
Generation Y, ages 18 to 26, the consensus
was these young people would need at least
$2 million, but a strong minority of the financial professionals cautioned this generation
should target $3 million. Generation X, ages
27 to 42, the range was between $2 million
and $3 million. Among Baby Boomers, ages 43
to 64, most agreed they needed $1.5 million
to $2 million. For seniors, the advice was to
aim for between $500,000 and $1.5 million.”
Jason Wiltse and Matthew Onstot, wealth
advisers and co-founders of the indepen-
dent firm Wilon Wealth Management in
Urbandale, say their clients often seek advice
on how to save for retirement while balancing other financial responsibilities. Most
of their clients, they say, have a net worth
of least $500,000 and they are financially
responsible, committed savers.
“It depends on their goals. Maybe they
have a business that is starting to make
money or they want to pay for their child’s
college education,” says Onstot. “We can
advise them what to do and still save for
retirement.”
Wiltse says the key to investing is adhering to goals and avoiding mistakes.
“We can manage risk, but we can’t control performance,” he says.
He also suggests avoiding misconceptions such as young people should always
take more risks in their investments or that
people with sizable assets are always fiscally
responsible.
“You have to be able to sleep at night
when determining the risks of an investment.
You have to achieve balance,” Wiltse says.
“People also fall into traps when they start
making money whether it be buying a new
car or an expensive house. We see that a lot
with young professionals who also juggle high
student debts from college. They need to
plan to save and to invest, too.”
Onstot and Wiltse say they encourage
those saving for retirement to begin proactive, goals-based, comprehensive planning
that helps them grow, maintain and transfer
their wealth. They help clients achieve those
goals by employing a wide range of money
managers so that each client can rely on a
team of portfolio managers as opposed to
one individual. The advantage, they say, is so
that should your goals change you can easily
switch to a money manager who is better
aligned with your needs.
“We like to do planning all the way down
to the dollar,” says Wiltse. “We’ve always
looked at it in those terms and now we see
more clients wanting to look at it the same
way.”
Most important, Onstot says, is to simply
get started. Take the first step to start saving
for retirement now.
“It’s so easy to set up automatic investments like saving money each pay period
from your paycheck. Start small, even if it’s
$150. Establish a plan and stick with it,” he
says. Q
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FEBRUARY | 2013
Urbandale Living
7
dining
Submit ideas to darren@dmcityview.com
Photos by Elaine Lenz
Committed to
Urbandale
a community bank
close to home!
Breakfast at Grandma Max’s requires plenty of plates.
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Urbandale Living
FEBRUARY | 2013
Fill ’er up!
Plenty of food for little money at Grandma Max’s
By Elaine Lenz
y husband and I decided
to give Grandma Max’s
in Urbandale a try this
weekend.
When we arrived, we walked
into a very quiet lunch crowd.
There were a few men sitting at
the counter watching the news
and drinking coffee, and one other
person enjoying some food. It was
a welcome change from the hustle
and bustle of many places on the
weekends, and we took a seat at a
nice, clean booth in the corner.
A friendly waitress was immediately at our table with menus.
We were surprised to see several
options. Breakfast is served all day
here, so I honed in on that portion
of the menu. My husband, on the
other hand, looked over the lunch
options and couldn’t wait to order
his chocolate malt.
After several minutes of looking
and deciding what I could share with
my toddler, I decided on the Big
Boss Breakfast. This massive meal
included eggs, pancakes, bacon, sausage, hash browns and toast. In my
mind, this meal sounded perfect for
sharing and a good excuse to try
lots of things on the menu.
Within minutes, my husband’s
chocolate malt was served in a
diner glass complete with whipped
cream. The waitress apologized
for the lack of a cherry on top,
M
www.iowalivingmagazines.com/urbandale
and I smiled at the sweet, honest
hospitality.
As I kept my toddler entertained and looked around at the
clean, minimalist restaurant, I
noticed many of the other diners
there seemed like regulars, but
the staff treated us no differently
as first-timers.
When our meals came, I was
shocked to see how large my meal
actually was. The two pancakes
took up an entire plate and so did
the toast. The eggs and sausage
smelled delicious, and the hash
browns were a nice golden brown.
Grandma Max’s
11957 Douglas Ave.
276-3044
Hours: 6 a.m. - 9 p.m.
I started with the pancakes
and worked my way down to the
toast, careful to try everything
before getting too full. My toddler
mashed on the hash browns happily, and my favorite was definitely
the bacon and eggs. Each item was
cooked to perfection and left me
extremely full.
With our plates cleaned, we
paid our very affordable bill and
went on our way. Grandma Max’s
is a perfect family restaurant suited
for all ages. Q
calendar
Submit event information to kathy@dmcityview.com
Friday, Feb. 8
Monday, Feb. 11
Q No School - DMCS
Q DMCS Early Education Care Open
Q DMCS School Offices Closed
Q Iowa Assessments (Grades 3-11)
Q Toddler Time, 9:30 and 10 a.m.,
Urbandale Public Library.
Q DMCS JH Show Choir,
Destination Excellence at Urbandale
Q UHS 9/10/V Boys Basketball at
Dowling, 4:45/6:15/7:45 p.m.
Q UHS 9/JV/V Girls Basketball at
Dowling, 4:45/6:15/7:45 p.m.
Q Senior Citizens Rec Center
Activities: beginning tai chi 8:30-9:15
a.m., continuing tai chi 9:15-9:55 a.m.,
beginning line dance class (no experience, $1) 10-10:55 a.m. “Google It”
learn how to use Google ($10- call
278-3907 to register and more info),
Senior Citizens Recreation Center.
Q Trip to the Des Moines Home
& Garden Show, $7 includes transportation and ticket, call 278-3907 to
register, will leave from the Urbandale
Senior Citizen Recreation Center.
Q Science Sleuths, ages 3-6, register
at 331-4490, 10:30-11 a.m., Urbandale
Public Library.
Q Book Babies, 10 and 10:30 a.m.,
Urbandale Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q DMCS PTF (Parent-Teacher
Fellowship) Board Meeting, 8:30 a.m.
Q DMCS FAB (Fine Arts Boosters)
Officer Meeting, 7 p.m.
Q Senior Citizens Rec Center
Activities: amateur artist group (drop
in and share an idea or learn) 9 a.m. 3 p.m., morning fitness 9:30-10:15 a.m.,
Senior Citizen Recreation Center.
Q UHS 8 Boys Basketball at SEP,
4:30 p.m.
Q UHS 9/JV Boys Basketball at
Waukee, 7/8 p.m.
Q UMS PTO Board Meeting, 7 p.m.,
UMS Media Center.
Saturday Feb. 9
Q V Wrestling Districts
Q Toddler Music Class, 12 months3 years, register at 331-4490, 10:3011 a.m., Urbandale Public Library.
Q Spirits & Sweets, 3-6 p.m., Living
History Farms.
Sunday, Feb. 10
Q Library Make & Take Valentine
Card, ages 5 and up, 2-4 p.m.,
Urbandale Public Library.
Tuesday, Feb. 12
Q Fat Tuesday
Q Lincoln’s Birthday
Q DMCS Victory Ensemble delivering Singing Valentines
Q Toddler Time, 9:30 a.m.,
Urbandale Public Library.
Q Book Babies, 10 a.m., Urbandale
Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q Senior Citizens Rec Center
Activities: morning fitness 9:30-10:15
a.m., timely talkers (join group for coffee and chat) 9:15-11 a.m., senior singers (no experience needed) 2-3 p.m.,
mixed cards & games 10:30 a.m.- 3 p.m.
Senior Citizen Recreation Center.
Q Public Art Committee, noon,
City Hall.
Q Chamber Ambassador Meeting,
11:30 a.m. - 1 p.m., contact Jenice
Whisenand for more info at jenice.
whisenand@servicelegends.net
Q UHS 8 Boys Basketball at Valley
4:30 p.m.
Q Conferences, St. Pius X Catholic
School
Wednesday, Feb. 13
Q Ash Wednesday
Q Early Dismissal - St. Pius X
Catholic School
Q Urbandale Late Start/In-Service K-8
Q V Wrestling State Tournament
Q DMCS Victory Ensemble delivering Singing Valentines
Q Story Time, 9:30 and 10:15 a.m.,
Urbandale Public Library.
Q Senior Citizen Rec Center
Activities: AARP Tax Assistance (free tax
prep for seniors- call 278-3907 for an
appt) 9 a.m.- 1 p.m., Valentine Luncheon
(celebrate with an elegant luncheon and
music, $10/person) 1-3 p.m., Yoga 2:303:30 p.m., Beginning Tai Chi 8:30-9:15
a.m., Continuing Tai Chi 9-9:45 a.m.,
Taking Control with Exercise Class
(designed for those with joint and/or
muscle problems) 10-10:55 a.m., Knitting
& Thread Craft Group 12:30-2:30 p.m.,
Senior Citizen Recreation Center.
Thursday Feb. 14
Q Valentine’s Day
Q No School - St. Pius X
Q V Boys Bowling Districts
Q V Girls Bowling Regionals
Q DMCS Victory Ensemble delivering Singing Valentines
Q DMCS Elementary Valentine Parties
Q Story Time, 9:30 a.m., Urbandale
Public Library.
Q Book Babies, 10 a.m., Urbandale
Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q Senior Citizens Rec Center
Activities: morning fitness 9:30-10:15
a.m., get creative craft group 9:1511:30 a.m., bridge 10:30-11:30 a.m.,
mixed cards and games 10:30 a.m.- 3
p.m. Senior Citizen Recreation Center.
Q Explorers Club, K-3rd grade, call
331-4490 to register, 4:30-5 p.m.,
Urbandale Public Library.
Q UHS 8 Boys ABC Basketball at
Waukee, 4:30 p.m.
Q UHS 8 Boys DEF Basketball at
Johnston, 4:30 p.m.
Q UHS 9/10/V Boys Basketball at
Indianola, 4:45/6:15/7:45 p.m.
Friday, Feb. 15
Q No School - St. Pius X
Q DMCS JH Show Choir,
Destination Excellence at Indianola
Q Toddler Time, 9:30 and 10 a.m.,
Urbandale Public Library.
Q Senior Citizens Rec Center
Activities: beginning tai chi 8:30-9:15
a.m., continuing tai chi 9:15-9:55 a.m.,
beginning line dance class (no experience, $1) 10-10:55 a.m., Senior Citizens
Recreation Center.
Saturday, Feb. 16
Q V Girls Basketball Regionals
Q DMCS HS Show Choir, Light Inc.,
at Indianola
Q Winter Carnival, enjoy water slide
and carnival games, prizes, food, and
more, $8/person, 1-4 p.m., Urbandale
Indoor Pool.
Q UCAN Mardi Gras Gala, tickets
$50 or $500 for a table of eight, www.
urbandalenetwork.org or call 2783936. Holiday Inn & Suites Northwest,
doors open at 6 p.m., fun starts at 7.
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and pricing, call
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515.243.7810
FEBRUARY | 2013
Urbandale Living
9
calendar
Submit event information to kathy@dmcityview.com
Monday, Feb. 18
Q President’s Day
Q Urbandale Public Library Closed
Q No School - Urbandale Schools
Q V Girls Basketball Regionals
Q V Boys Basketball Substate
Tournament
Q DMCS 2nd Standing DMCS Board
of Directors Meeting, 6:45 p.m.
Q Meetings of the DMCS Standing
Committees of the Board, various
times
Q DMCS ABC (Athletic Booster
Club) Meeting, 7 p.m.
Q Senior Citizens Rec Center
Activities: amateur artist group (drop
in and share an idea or learn) 9
a.m. - 3 p.m., morning fitness 9:3010:15 a.m., Senior Citizen Recreation
Center.
Q UHS 8 Boys Basketball at Ankeny,
4:30 p.m.
Q Urbandale School Board Meeting,
7 p.m., City Hall.
Tuesday, Feb. 19
Q Toddler Time, 9:30 a.m.,
Urbandale Public Library.
Q Book Babies, 10 a.m., Urbandale
Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q Senior Citizens Rec Center
Activities: morning fitness 9:30-10:15
a.m., timely talkers (join group for coffee and chat) 9:15-11 a.m., senior singers (no experience needed) 2-3 p.m.,
mixed cards & games 10:30 a.m.- 3 p.m.
Senior Citizen Recreation Center.
Q City Council Meeting, 7 p.m.,
City Hall.
Q Urbandale Chamber Executive
Committee Meeting, 11:30 a.m.- 1 p.m.
Q UHS 8 Boys Basketball vs.
Johnston, 4:30 p.m.
Q UHS 7/8 Swimming Meet, 4:30 p.m.
Q Home and Schooll meeting, St. Pius
X Catholic School, 6:30 p.m.
Wednesday, Feb. 20
Q Story Time, 9:30 and 10:15 a.m.,
Urbandale Public Library.
Q Park & Recreation Commission
Meeting, 5:30 p.m., City Council
Chambers.
Q Senior Citizen Rec Center
Activities: AARP Tax Assistance (free
tax prep for seniors- call 278-3907 for
an appt) 9 a.m.- 1 p.m., Lunch and a
Movie ($3/person) 11:30 a.m.- 2 p.m.,
Yoga 2:30-3:30 p.m., Beginning Tai Chi
8:30-9:15 a.m., Continuing Tai Chi 9-9:45
a.m., Taking Control with Exercise Class
(designed for those with joint and/or
muscle problems) 10-10:55 a.m., Knitting
& Thread Craft Group 12:30-2:30 p.m.,
Senior Citizen Recreation Center.
Q Teen Book Discussion at High
School, 2:30-3:30 p.m., Urbandale
Public Library.
Q On the Same Page, 7:30 p.m.,
Urbandale Public Library.
Thursday, Feb. 21
Q V Girls State Bowling Tournament
Q V Boys State Bowling Tournament
Q Toddler Time, 9:30 a.m.,
Urbandale Public Library.
Q Book Babies, 10 a.m., Urbandale
Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q Senior Citizens Rec Center
Activities: morning fitness 9:30-10:15
a.m., get creative craft group 9:15-11:30
a.m., bridge 10:30-11:30 a.m., mixed
cards and games 10:30 a.m.- 3 p.m.
Senior Citizen Recreation Center.
Q Clive Elementary Literacy Night,
4-9 p.m., Urbandale Public Library.
Friday, Feb. 22
Q V Girls State Bowling Tournament
Q V Boys Basketball State
Tournament
Q Toddler Time, 9:30 and 10 a.m.,
Urbandale Public Library.
Q Senior Citizens Rec Center
Activities: beginning tai chi 8:30-9:15
a.m., continuing tai chi 9:15-9:55
a.m., beginning line dance class (no
experience, $1) 10-10:55 a.m., Senior
Citizens Recreation Center.
Q LEGO Club, ages 5 and up, 4 p.m.,
Urbandale Public Library.
Saturday, Feb. 23
Q DMCS “Big Blue Bash”, sponsored by the PTF (Parent-Teacher
Fellowship)
Q SEP Show Choir Invite
Q DMCS HS Show Choir, Light Inc.,
at SEP
Q Urbandale Indoor Triathlon, register by Feb. 9, $50 individual $80 for
teams, Urbandale Indoor Pool.
Sunday, Feb. 24
Q Art-Ability Class, Mosaics with
Found Objects, ages 10 and older with
IEP, 2-3 p.m., Urbandale Public Library.
Monday, Feb. 25
Q DMCS JH Concert Choir
Q West Central Valley Vocal
Conference.
Q Senior Citizens Rec Center
Activities: amateur artist group (drop
in and share an idea or learn) 9 a.m.- 3
p.m., morning fitness 9:30-10:15 a.m.,
Senior Citizen Recreation Center.
Q Book Babies, 10 and 10:30 a.m.,
Urbandale Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q Board of Trustees Meeting, 5:309 p.m., Urbandale Public Library.
Q 8 Boys Basketball vs. Valley,
4:30 p.m.
Q UMS Pops Concert, 7 p.m., HS PAC.
Tuesday, Feb. 26
Q V Boys Basketball Substate
Tournament
Q Story Time, 9:30 a.m., Urbandale
Public Library.
Q Book Babies, 10 a.m., Urbandale
Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q DMCS Kindergarten Round-up,
7 p.m.
Q Senior Citizens Rec Center
Activities: morning fitness 9:30-10:15
a.m., timely talkers (join group for coffee and chat) 9:15-11 a.m., senior singers (no experience needed) 2-3 p.m.,
mixed cards & games 10:30 a.m.- 3 p.m.
Senior Citizen Recreation Center.
Q Brown Bag Book Club, 12-1:30 p.m.,
Urbandale Public Library.
Q Tuesday Night Movie, 6:30 p.m.,
Urbandale Public Library.
Wednesday, Feb. 27
Q V Girls Basketball State Tournament
Q Story Time, 9:30 and 10:15 a.m.,
Urbandale Public Library.
Q Senior Citizen Rec Center
Activities: AARP Tax Assistance (free
tax prep for seniors- call 278-3907 for
an appt) 9 a.m.- 1 p.m., Yoga 2:30-3:30
Have an EVENT
coming up?
Submit your calendar items online at
www.iowalivingmagazines.com
10
Urbandale Living
FEBRUARY | 2013
www.iowalivingmagazines.com/urbandale
calendar
Submit event information to kathy@dmcityview.com
p.m., Beginning Tai Chi 8:30-9:15 a.m.,
Continuing Tai Chi 9-9:45 a.m., Taking
Control with Exercise Class (designed
for those with joint and/or muscle
problems) 10-10:55 a.m., Knitting &
Thread Craft Group 12:30-2:30 p.m.,
Senior Citizen Recreation Center.
Q Teen Advisory Board, 5-7:30 p.m.,
Urbandale Public Library.
Q Chamber Board Meeting, 8 a.m.
Thursday, Feb. 28
Q Toddler Time, 9:30 a.m.,
Urbandale Public Library.
Q Book Babies, 10 a.m., Urbandale
Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q Brown Bag Book Club, 12-1:30 p.m.,
Urbandale Public Library.
Q DMCS 3rd Grade “Informance”
Q Senior Citizens Rec Center
Activities: morning fitness 9:30-10:15
a.m., get creative craft group 9:1511:30 a.m., bridge 10:30-11:30 a.m.,
mixed cards and games 10:30 a.m.- 3
p.m. Senior Citizen Recreation Center.
Q UHS Pops Concert, 7 p.m., HS PAC.
Q Middle school musicial, St. Pius X
Catholic School, 7 p.m.
Friday, March 1
Q V Girls State Basketball Tournament
Q Toddler Time, 9:30 and 10 a.m.,
Urbandale Public Library.
Q Senior Citizens Rec Center
Activities: digital pictures class ($15, call
278-3907 to register), beginning tai chi
8:30-9:15 a.m., continuing tai chi 9:159:55 a.m., beginning line dance class (no
experience, $1) 10-10:55 a.m., Senior
Citizens Recreation Center.
Q UHS Band Concert, 7 p.m., HS PAC.
Saturday, March 2
Q V Girls Basketball State
Tournament
Q Hy-Vee Shop and Share Weekend
Q UMS Solo Band Contest
Q Eating Disorders Awareness
Week Events, discussion, informational
seminars, silent auction, inspirational
walk & balloon release, 8 a.m.- 2:30
p.m., Waukee High School, 555 SE
University Ave, Waukee.
Sunday, March 3
Q
Hy-Vee Shop and Share Weekend
Q DMCS Jazz Band at Hooverfest
Q Urbandale Historical Society
Open House, 2-4 p.m., Urbandale
Historical Society, 4010 70th St
Craft Group 12:30-2:30 p.m., Senior
Citizen Recreation Center.
Q Story Time, 9:30 and 10:15 a.m.,
Urbandale Public Library.
p.m., Urbandale Public Library.
Q 7/8 Swimming at SEP, 4:30 p.m.
Q College Planning Night, 6-7 p.m.,
UHS PAC.
Monday, March 4 Thursday, March 7 Friday, March. 8
Q Hy-Vee Shop and Share Weekend
Q Book Babies, 10 and 10:30 a.m.,
Urbandale Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q Urbandale Historical Society
Program, Civil War Fashions, 7 p.m.,
Urbandale Historical Society, 4010
70th St
Q DMCS Board of Directors
Meeting, 6:45 p.m.
Q Senior Citizens Rec Center
Activities: amateur artist group (drop
in and share an idea or learn) 9 a.m.- 3
p.m., morning fitness 9:30-10:15 a.m.,
Senior Citizen Recreation Center.
Q UMS Student/Faculty Basketball
Game, 3:30 p.m., UMS West Gym.
Q School Board, 7 p.m., City Hall.
Q St. Pius X Board of Education
meeting, 7 p.m.
Q DMCS 2nd Grade “Informance”
Q Senior Citizens Rec Center
Activities: morning fitness 9:30-10:15
a.m., get creative craft group 9:15-11:30
a.m., bridge 10:30-11:30 a.m., mixed
cards and games 10:30 a.m.- 3 p.m.
Senior Citizen Recreation Center.
Q Toddler Time, 9:30 a.m.,
Urbandale Public Library.
Q Book Babies, 10 a.m., Urbandale
Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q Lunch Bunch, 3rd-5th grade,
“The Mysterious Benedict Society” by
Trenton Lee Stewart, 11:30 a.m.- 1:30
Q V Boys Basketball State Tournament
Q Senior Citizens Rec Center
Activities: beginning tai chi 8:30-9:15
a.m., continuing tai chi 9:15-9:55 a.m.,
beginning line dance class (no experience, $1) 10-10:55 a.m., Senior Citizens
Recreation Center.
Q Monte Carlo Casino Night, $5,
call 278-3907 for more info, 5-9 p.m.,
Senior Citizen Recreation Center.
Q Science Sleuths, ages 3-6, register
at 331-4490, 10:30-11 a.m., Urbandale
Public Library.
Q Toddler Time, 9:30 and 10 a.m.,
Urbandale Public Library.
View events and happenings from
this community and others at
www.iowalivingmagazines.com
Tuesday, March 5
Q Hy-Vee Shop and Share Weekend
Q City Council, 7 p.m., City Hall.
Q Senior Citizens Rec Center
Activities: morning fitness 9:30-10:15
a.m., timely talkers (join group for coffee and chat) 9:15-11 a.m., senior singers (no experience needed) 2-3 p.m.,
mixed cards & games 10:30 a.m.- 3 p.m.
Senior Citizen Recreation Center.
Q Story Time, 9:30 a.m., Urbandale
Public Library.
Q Book Babies, 10 a.m., Urbandale
Public Library.
Q Family Story Time, 7 p.m.,
Urbandale Public Library.
Q UMS Parent/Teacher Conferences,
4-8:15 p.m.
Q 7/8 Swimming Meet, 4:30 p.m.
Wednesday, March 6
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40 Year Anniversary Sale
Q Urbandale Late Start/Inservice K-8
Q V Boys Basketball State Tournament
Q Senior Citizen Rec Center
Activities: AARP Tax Assistance (free
tax prep for seniors- call 278-3907 for
-n&ns3ATn
an appt) 9 a.m.- 1 p.m., Yoga 2:30-3:30
1 mi. so. of I-80 & 2 blks. no. of Euclid
p.m., Beginning Tai Chi 8:30-9:15 a.m.,
Continuing Tai Chi 9-9:45 a.m., Taking
Control with Exercise Class (designed
for those with joint and/or muscle problems) 10-10:55 a.m., Knitting & Thread
www.iowalivingmagazines.com/urbandale
FEBRUARY | 2013
Sales & Service Since 1973
3846 E. 14th Street
265-7504
METRO
SEW & VAC
Urbandale Living
11
banking
map
By Sonya Wingfield
Talking about
money with
those you love
How to make conversations easier
By Sonya Wingfield, loan officer, Midland Credit Union
ome conversations don’t
“just happen.” While money
is something you need to
deal with every day, actually having
a conversation about money (one
that doesn’t involve raised voices
or finger pointing) is as rare as it
is important.
Don’t forget to include the
kids. When setting a budget for a
family it is important to include all
family members. This is important
to begin to teach your children
about good money habits.
When your spouse or significant other has different spending
habits than you, if an elderly parent
is moving in with you and finances
have not yet been discussed, when
a sibling seems to be taking advantage of Mom, or your adult child
begins to see you as a cash dispenser… all these circumstances
call for a conversation. And it
won’t be easy.
When this happens, see to
it that the setting is neutral and
friendly. You should both be feeling pretty good, meaning not tired
or stressed. It’s a good idea to take
a walk at the lake, a park or have
lunch at a restaurant.
s 5SE h)v STATEMENTS For
example, “I feel hurt when our
credit union statement comes and
I see large expenses I didn’t know
about.” Or, “Mom may not understand what she got into by cosigning on your home loan. We
both love Mom and want her to
S
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be in full control of her finances.”
And then, look for a solution you
can both live with.
s )F THE CONVERSATION
becomes an argument, call
a time-out. Say something like,
“This is a really important discussion, and I’m glad we’re having it.
It’s not easy to talk about this.
Let’s take a break to think things
through and continue talking when
we’re both feeling better.”
s )F YOU CAN ESTABLISH A
time limit from the start. After
15 minutes, do something fun and
completely unrelated. Set that
expectation up front, and you’ll
find that you can really accomplish
a lot in a short amount of time
without anyone becoming upset.
In most cases, the other person will secretly (or perhaps openly) be glad you brought it up. Once
the air is clear, mutually beneficial
solutions can usually be found. Q
Information by Sonya Wingfield, loan officer at Midland Credit Union, 2891
12
For more information, please call GCED at 515.986.5770
106th St., Urbandale, 515-278-1994.Urbandale Living FEBRUARY | 2013
www.iowalivingmagazines.com/urbandale
health Q&A
Q: How can I stay young
when birthdays keep coming?
?
A: Did you know that by the year 2050 it is estimated that more than 800,000
people will be older than 100 — many of them living to 150 years old?
If you are going to live that long, consider what your life may be like
then. Will you be alive, barely alive, or will you be living the kind of life
you’ve always dreamed well past your 100th birthday? Most of that can be
predicted by the life you live right now.
The biggest problem being seen with the increase of lifespan is an
increase in musculoskeletal problems. People notice they don’t have the same
ability to move around like they used to. Think about it this way — if we lose
our mobility at age 65 and live to 105, that’s 40 years of immobility and pain.
How old are you right now? Now imagine 40 (less if you’re younger) years
of your body limiting you from doing whatever you want to do each day. The
problem is that everyone thinks it won’t happen to them until it does.
Check out these stats: 88 percent of people older than 50 will have
low back pain, and one in three will have neck pain. I wouldn’t want to
bet against those odds. The good news is you can prevent musculoskeletal
problems through preventative healthcare care, chiropractic being one of
the main ones.
For more information, come to our “How to Stay Young the First 100
Years” workshop put on every Monday at 5:30 p m. RSVP by calling our
office at 278-YOST (9678). Q
Information provided by Dr. Jessa Kane, CACCP, Yost Family Chiropractic, 3993
100th St., Urbandale, www.YostFamilyChiropractic.com.
Q: Can a dentist do anything
about facial pain?
Des Moines
Dental Group
A: Chronic facial pain is an unfortunately
common affliction for some 15 percent
of American adults. Your dentist can help
identify the source of the pain, sometimes
by using X-rays.
One of the more common sources of
facial pain is a condition called temporomandibular joint (TMJ) syndrome. The joint
is the hinge at which the lower jaw, called
the mandible, connects with the upper
jaw. Acute or chronic inflammation of the
joint can cause significant pain and impair
operation of the jaw, in some cases causing
it to lock in either open or closed position. The joint, like any other, is
susceptible to damage from conditions like stiffness, arthritis and dislocation, either from trauma or regular use. The condition can also cause
headaches, dizziness and pain or stiffness in the neck and shoulders.
Treatment might include stress-reduction exercises or medication.
TMJ pain is often noticeable in front of the ears, which is the location of
the joint. But facial pain can also come from a toothache, a sinus infection
or gum disease. Whenever you notice any pain or unusual feeling in your
face or mouth, you should contact your dentist. Q
Information provided by Des Moines Dental Group, 708 First Ave S.,
967-6611.
is a full service dental facility
offering the finest in
preventative and
restoration services
for the entire family!
Dr. Robert
Cram, D.D.S.
We offer...
Q Preventative Dentistry
Q Root Canals
Q Dentures –
partial and complete
Q Crowns and Bridges
Q Treatment
of Gum Disease
Q Cosmetic Dentistry
Dr. Andris
Kirsis, D.D.S.
URBANDALE
8515 Douglas Q 278-2361
Omega Place, Suite 21
DES MOINES
2333 McKinley Q 287-3251
4405 SW 9th Q 287-3588
w w w. d m d e n t a l g r o u p . c o m
New patients are always welcome!
www.iowalivingmagazines.com/urbandale
FEBRUARY | 2013
Urbandale Living
13
auto
education
Q: I need a different vehicle.
Should I buy new or used?
Meet Joe Tallman
Information provided by Tab Miller and Mona Lillard, Preowned Solutions,
11010 Douglas Ave., Urbandale, 515-528-8100.
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His religious teaching include lifelong lessons
By Michael Swanger
oe Tallman is blessed. He not
only has found his professional
calling as a teacher of religion to
middle school students at St. Pius
X Catholic School in Urbandale,
but he has earned the respect and
trust of his students so that many
of them seek his advice on life’s
important matters years after they
complete his class.
“I hear from students who
are at a crossroads in their lives,
and they’re trying to figure out
what to do. I remind them that
if they don’t have their faith in
those moments they can feel lost
and that to be lost without faith
can be scary,” says Tallman. “It’s
a humbling experience to help be
that guiding light for someone, to
encourage them to turn to prayer
and embrace their faith.”
Tallman says that his students
in sixth, seventh and eighth grades
also respond favorably to lessons
in faith relating to current issues
— especially those that spark
classroom discussions.
“In sixth grade we discuss the
Old Testament and how it relates
to us. In seventh grade, we talk
about the New Testament and the
message of Jesus and how it applies
to the world. In eighth grade, we
talk about the church and how it
functions in society,” he says. “I
J
Photos by Michael Swanger
A: By purchasing a pre-owned vehicle, you start saving from the beginning —
starting with a lower purchase price. This savings continues during ownership by
lower registration costs, decreased annual licensing fees, lower insurance costs
and lower repair bills. As a vehicle ages, the cost for parts and repairs decline.
Repairs can be made by service providers other than new car franchise dealers
without fear of voiding warranties. And the benefits continue. Depreciation is
slowed by letting that new car customer take the brunt of this expense. New
vehicles can depreciate 30 percent and more in the first two years of use.
How about more vehicle for less money? Find that same desired vehicle, one
or two years older, loaded with all your desired amenities and still spend less
than new. Rather than that Chevrolet, opt for a Cadillac. Once you determine
your budget for that vehicle, options are limitless when you choose pre-owned.
The biggest obstacle to pre-owned vehicle purchasing used to be peace of
mind. Today’s vehicles are built better to last longer and have warranties to
reflect this. Detailed vehicle histories can be verified by Auto Check or Car Fax
to further put your mind at ease.
So if you’ve decided to purchase a pre-owned vehicle, the next step could be
to shop for a reputable local dealer that offers years of experience, a consultative
demeanor, provides resources for other services such as financing or warranties,
and one that will be available whenever you may need assistance or advice on any
of your automotive needs. Q
Submit story ideas to darren@dmcityview.com
Joe Tallman is an instructor at St. Pius X
Catholic School in Urbandale.
encourage them to ask what they
want and guide them.”
Tallman, now in his sixth year
of teaching at St. Pius X (and 11th
overall) also has a young daughter
who attends the Catholic school.
He says that he is grateful for the
opportunity to teach religion to
students there, knowing that the
lessons he teaches are lifelong.
“It’s a special place to work,”
he says. “You’re in a good place,
doing good things. It makes being
a teacher at St. Pius a privilege.” Q
What do you like best about Mr. Tallman’s class?
www.preownedsolutions.com
*(33;()4033,9
69465(3033(9+
11010 Douglas Avenue s Urbandale
Madyson Peterson:
“He makes it
interesting by
talking to us
instead of just
reading books.”
Exit #126 on I-35/80 and Douglas
‘We are careful to be honorable before the Lord, but we also want everyone else to see that we are honorable.’
– 2 Corinthians 8:21
14
Urbandale Living
FEBRUARY | 2013
www.iowalivingmagazines.com/urbandale
Lauren Rau:
“He tells stories
and how they
relate to religion
for the topics we
study.”
Patrick Sheehy:
“He always talks
about a saint
every week and
always has a
good story.”
Dalton Stelpflug:
“He doesn’t teach
straight from a
book; he uses
stories and has a
lot of variety.”
out & about
It’s Valentines Day!
Submit photos to darren@dmcityview.com
Thursday, February 14
Let us customize your
arrangement to fit your budget!
We deliver locally
or anywhere across
the country!
Steve Chandler, Karen Lantz and Sara Krouch at the Urbandale Chamber A.M.
Exchange sponsored by Signs Now on Jan. 29.
ORDER NOW
and let the Plaza Florist
cupids make your
Valentine wow!
%PVHMBT"WFt
www.plazaflorist.net
twitter.com/plazafloristdm
facebook.com/plazafloristandgifts
Matt Nuetzman, Dick Christian and April Rabik at the Urbandale Chamber A.M.
Exchange sponsored by Signs Now on Jan. 29.
Connect with us and Him!
sunday morning services
children’s ministry
Linda Renze, Cindy Zinzer and Sandy Taylor at the Urbandale Chamber A.M.
Exchange sponsored by Signs Now on Jan. 29.
Mary Anne Kennedy and
Susan Dunn at the Urbandale
Chamber A.M. Exchange sponsored by Signs Now on Jan. 29.
faith in action
roots student ministries
timberline church
‡
‡
See more photos online at
www.iowalivingmagazines.com
www.iowalivingmagazines.com/urbandale
FEBRUARY | 2013
Urbandale Living
15
legal briefs
By Ross Barnett
Process of probate
Court supervises administration of estate
By Ross Barnett, attorney, Abendroth and Russell Law Firm
robate is the process of
court-supervised administration of an estate.
If you have a will, upon your
death your executor will present it
to the court. It is a common misconception that merely possessing
the will vests someone with the
authority to act. In order for a will
to be effective, it must be admitted to probate. If you die without
a will, the probate court still has
control over the assets of your
estate.
Probate is necessary where
there are assets which cannot be
transferred. For example, real
estate titled in the decedent’s
name cannot be sold without passing through probate. Investments
which have no beneficiary designation generally require probate to
transfer them to the heirs.
Banks and financial institutions
may ask to see the “letters of
appointment” or “letters testamentary.” This is the official document, issued by the clerk of court,
which empowers the personal representative to act on behalf of the
estate.
Court supervision of the probate process ensures that your
executor or the court-appointed
administrator handles your estate
fairly, legally and according to your
wishes. To ensure that the will or
the rules of inheritance are followed, the personal representative
has a duty to report the assets,
debts and disbursements of the
estate to the court. The personal
representative will also file tax
returns on behalf of the decedent
and the estate.
Iowa law requires that notice
of probate be published in a local
newspaper. The notice must
P
be published for two consecutive weeks. After that, the estate
must remain open for four months
before it can be closed. During this
time, the personal representative
will sell real estate, liquidate assets,
pay creditors and make disbursements to beneficiaries. There may
be other factors which require
a longer probate period, but in
general the probate of an estate
should take about six months.
Attorney’s fees and court
costs cannot be paid until the
estate closes. In Iowa, attorney’s
fees are statutorily-controlled and
are approximately 2 percent of the
gross value of the estate. The personal representative is also entitled to fees in the same amount.
By comparison, other methods
of asset disposal (like a revocable
trust) have no fee caps.
The probate of an estate is
fairly straightforward. Courtsupervised administration of an
estate is neither lengthy nor overly
expensive and has the benefit of
ensuring that all of the assets of
the estate have been disposed of
properly and legally. Q
Information provided by Ross Barnett, attorney for Abendroth and Russell Law
Firm, 2560 73rd St., Urbandale, 278-0623, www.ARPCLaw.com.
16
Urbandale Living
FEBRUARY | 2013
www.iowalivingmagazines.com/urbandale
insurance advice
By Ben Buenzow
Help maximize air
bag effectiveness
Tips to add to your margin of safety
By Ben Buenzow, State Farm® agent
ccording
to
the
U.S. Department of
Transportation, frontal air
bags saved more than 25,700 lives
between 1987 and 2008. Intended
as supplemental restraint systems
(SRS), air bags work with your
car’s lap and shoulder safety belts
to provide additional protection in
the event of an impact.
Despite their success as safety
devices, earlier-generation air bags
were sometimes associated with
serious or even fatal injuries. Most
often, these injuries occurred
because passengers weren’t
wearing safety belts, or children
weren’t in appropriate safety seats
and weren’t riding in the rear seat
when the bag deployed.
Developments in new air bag
systems are lessening the likelihood of injury, but the real success may depend on the safety
precautions that the driver and
passengers take while in the car.
Your vehicle’s owner’s manual will
provide specific information about
its air bag, but these general tips
may add to your margin of safety:
s !LWAYSWEARSAFETYBELTS
An air bag system is not a substitute for safety belts. All the elements of a vehicle’s safety system
are designed to work together.
s (AVE ALL CHILDREN and younger ride properly
restrained and in the back
seat. And never place a rearfacing child safety seat in front of
an airbag. The National Highway
Traffic Safety Administration offers
more information about child pas-
A
senger safety best practices.
s 7ATCH FOR AIR BAG MALfunction indicator lamp. If it
remains lit more than 10 seconds
after vehicle start-up, it indicates
that a problem with the air bag
system is present. Have the problem diagnosed and repaired immediately.
Some air bag systems have
an on-off switch, but think twice
before you disable the system
(most require a certified technician
to do the job). It may be appropriate to disable the system if:
s 4HERE ARE FEWER THAN inches between the driver’s body
and the center of the steering
wheel.
s 4HERES NO OTHER OPTION FOR
transporting a child younger 12
than in the front seat.
s 9OU HAVE A MEDICAL CONDItion that would put you at risk
during an air bag deployment. Q
Information provided by Ben Buenzow, State Farm Insurance, 3273 100th
St., Urbandale, 270-8870.
www.iowalivingmagazines.com/urbandale
FEBRUARY | 2013
Urbandale Living
17
what’s in your garage?
Photo by Cady Colosimo
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18
Urbandale Living
FEBRUARY | 2013
Terry Ambroson started his collection of signs only five years ago.
Signs and
motorcycles
Fun times and history in Ambroson’s garage
By Cady Colosimo
lot of fun distractions
live in Terry and Susan
Ambroson’s garage. Things
like vintage signs, a dart board,
antique tools and Terry’s Kawasaki
1500 motorcycle are among a few.
Although the beer signs look like
a lifelong collection, Terry says it’s
something he’s only gotten into in
the last five years.
“Susan and I will go to different
kinds of sales, tag sales or garage
sales,” he says.
It’s like anything you start collecting, he explains — once you
start you need more.
“You can’t have one baseball
card,” he laughs.
It’s become enough of a hobby
that it’s even spilled into the rest of
the house and the basement. While
the beer signs are fairly new, some
of his signs have more history to
them — a family history, in fact.
The clock, Lennox and T and W
Gift Shop signs all come from his
parents’ business. Together, his
parents ran T and W Plumbing and
Heating in Lake Mills for 52 years.
“Dad had the plumbing and
heating business in the back, and
A
Mom had the gift shop in the front
of the store,” he says.
Terry has kept the signs as a
way of fondly remembering his
parents who have since passed
away — working with his dad in
the store on the weekends and in
the summers growing up.
The old tools are also from
his dad’s business, believed to possibly be third-generation hand-medowns. Terry found a few of them
at his grandma’s old farmhouse in
Leland. Despite their antique heritage, Terry isn’t interested in selling.
“I just like them,” he shrugs.
Now the Kawasaki 1500,
though? That’s another story.
“It’s my one toy,” he says.
Terry and Susan ride it to
various events in downtown Des
Moines and the East Village. They
also take it out on leisurely rides
to small towns and restaurants.
They never go too far, though,
because Susan will only ride on
back roads — never the interstate.
“The kids don’t think it’s very
cool, but Susan and I like it,” he
smiles.
What do kids know, anyway? Q
Contact Darren at 953-4822 ext. 304 or darren@dmcityview.com to recommend someone for an upcoming issue of “What’s In Your Garage?”
www.iowalivingmagazines.com/urbandale
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www.iowalivingmagazines.com/urbandale
FEBRUARY | 2013
Urbandale Living
19
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looking
for a great
place to
work?
how about a fun and
casual environment?
recipe
Submit ideas to darren@dmcityview.com
Caramel brownies
Treat that special someone with gooey goodies
By Beth McDonald
f you are looking for a treat for
that special someone in your life,
and if they happen to like caramel, here are the brownies for you.
There are many sweet combinations that people enjoy — for
example chocolate and peanut butter — but my personal favorite is
chocolate and caramel. In my mind
there is not a better candy bar than
a Milky Way, and this is my version
with a brownie base. I have been
working on this recipe for some time now. I feel like I finally have it right
and thought I would share.
If you have a favorite base recipe for cookies or brownies, start
thinking about how you can make a new combination between your
favorite flavors. It is fun to try new combinations and see what the results
are. Sometimes you are successful, and sometimes not so much.
With this recipe I really took some of my favorite parts of different
recipes and combined them all into one. This recipe does have several
steps with it, so it is not as quick as some of my recipes. I think the
brownie is super moist, caramel is just the right amount of gooey, and
the chocolate on top is just the right amount. The only thing that might
make it better is if you served it warm with vanilla ice cream. Q
I
Caramel brownies
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Ingredients
2 cups sugar
3/4 cup baking cocoa
1 cup canola oil
4 eggs
1/4 cup 2% milk
1-1/2 cups all-purpose flour
1 teaspoon salt
1 teaspoon baking powder
1 cup (6 ounces) semisweet chocolate chips
Topping
14 ounces caramels
1 can (14 ounces) sweetened condensed milk
8 oz. of semi sweet chocolate
4 oz. of white chocolate
1-2 tablespoons of milk
Directions
In a large bowl, beat the sugar,
cocoa, oil, eggs and milk. Combine
the flour, salt and baking powder;
gradually add to egg mixture until
well blended. Fold in chocolate chips.
Spread the batter into a greased
13-in. x 9-in. baking pan. Bake at
350° for 40-45 minutes. When it
comes out of the oven, poke holes
in your brownies.
3. Meanwhile, in a large saucepan,
heat the caramels and condensed
milk over low heat until caramels are
melted. Next melt the semisweet
chocolate and white chocolate with
the milk.
4. Spread the caramel on the top of
the brownies then the melted chocolate, swirl together and let cool.
marketlinkinc.com/careers
3839 merle hay road des moines
20
Urbandale Living
FEBRUARY | 2013
Beth McDonald is a wife and mother and works full time in Des Moines.
www.iowalivingmagazines.com/urbandale
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Urbandale Living
21
out & about
Submit your photos and captions to darren@dmcityview.com
Don Brush and David Russell at the Urbandale
Chamber Luncheon at the Ramada Conference
Center on Jan. 16.
Loraninna Nedved at the Urbandale Chamber
Luncheon at the Ramada Conference Center on
Jan. 16.
Scott Breitman and Perry Tague at the Urbandale
Chamber Luncheon at the Ramada Conference
Center on Jan. 16.
Curt Fett at the Urbandale Chamber Luncheon at
the Ramada Conference Center on Jan. 16.
Jeanne Altman and Angela Hilbert at the
Urbandale Chamber Luncheon at the Ramada
Conference Center on Jan. 16.
Kayla Steffensmeier and Susan Dunn at the
Urbandale Chamber Luncheon at the Ramada
Conference Center on Jan. 16.
Janice Whisenand, Val Wagner and Leslie Reagan
at the Urbandale Chamber Luncheon at the
Ramada Conference Center on Jan. 16.
Kathy Narum and Bill Gardner at the Urbandale
Chamber Luncheon at the Ramada Conference
Center on Jan. 16.
Annie Righi and Bryan Launderville at the
Urbandale Chamber Luncheon at the Ramada
Conference Center on Jan. 16.
Bill Grund and Kelli Vorrath at the Urbandale
Chamber Luncheon at the Ramada Conference
Center on Jan. 16.
Jeff Kleenenberg, Paul Sucich and Becky DeVires at the Urbandale Chamber Luncheon at the Ramada Conference
Center on Jan. 16.
See more photos online at www.iowalivingmagazines.com
22
Urbandale Living
FEBRUARY | 2013
www.iowalivingmagazines.com/urbandale
news briefs
Submit briefs to | darren@dmcityview.com
Urbandale J-Hawk music program redesigned
5#!.TOHOST-ARDI'RAS'ALAON&EB
The Urbandale J-Hawk Instrumental Music Program is redesigning music
instruction and education as we know it. Everything from changing how
lessons are scheduled, to shifting the focus from teaching to learning, are
all key strategies being implemented to more fully align with the mission
of the Urbandale J-Hawk Band of “performing to inspire.”
The traditional structure for scheduling individual lessons based on time
being rigid and learning being flexible does not apply in Urbandale. Now students receive well-defined learning objectives that can be tackled in the order
of their choosing over the course of a semester. Students self-schedule their
lessons based on when they are ready to either demonstrate how they have
learned the objective (prove), or request instruction on how to enrich their
knowledge of the objective (improve). By doing so, success becomes the only
option as students must either “prove or improve” their skillset.
“I share with our students all the time that there is no elevator to the
top; you have to take the stairs in order to achieve results,” said Myron
Peterson, Director of Urbandale Bands. “Providing a learning environment that develops a lifelong appreciation for music, motivates students
to take ownership of their achievements, and enables students to contribute to something larger than themselves, are fundamental tenets for
the success of our students and our music program.”
Another notable change is how rehearsal time is structured.
Traditionally, most band rehearsals consist of teacher-led instruction
which accounts for the majority of rehearsal time. Urbandale allocates
time differently by decreasing time for the traditional teacher-led strategy
and increasing time for individual practice and small group sectionals.
Through allocating more time for independent, cooperative, and collaborative learning strategies, students feel more connected and engaged. Q
“We had such a great time last year and the event was such a success,
we just had to do it again this year!” said Betty Devine, UCAN Events
Committee chair. The Urbandale Community Action Network (UCAN)
is hosting the second annual Mardi Gras Gala on Saturday, Feb. 16, at the
Holiday Inn & Suites Northwest, 4800 Merle Hay Road in Urbandale. The
event begins at 7 p.m. with doors opening at 6 p.m.
“This has now become UCAN’s signature event,” said Devine. The
black-tie optional event will again feature New Orleans-themed food, a
Dixieland jazz Bband and the opportunity to purchase “King Cakes” to
win fabulous prizes.
“Last year we sold 350 King Cakes in about eight minutes, so this
year we’ve added another 150 cakes,” said Devine. Tickets are $50 per
individual and $500 for a table of eight. Mardi Gras Masks are $10 each.
Both are available for purchase at www.urbandalenetwork.org, or by
calling the UCAN office at 278-3936.
New this year are even bigger and better prizes including a $2,000
diamond pendant from Christopher’s Fine Jewelry, four tickets to a
Disney property, two Southwest Airline tickets, a free week stay in a
Florida condo, free flowers a month for a year from Plaza Florists, free
BMW weekend car rental from European Motor Cards, golf packages,
electronics, restaurant gift cards and much more.
“The Mardi Gras Gala has become our largest fundraiser,” said
Devine. “All proceeds support such UCAN programs as Backpack
Buddies, Whiz Kids, UCAN Achieve, Movies in the Park, Strengthening
Neighborhoods and many other community activities in Urbandale.” Q
WHY I ADVERTISE IN
“I just wanted to take a moment to tell you how impressed I am with the Iowa Living magazines. It
is hands-down the best targeted advertising that our Àrm has ever done. I am meeting with at least
one client a week who tells me that he or she selected me because of my article and banner in the
magazine. We started in the Urbandale Living magazine and saw immediate results. We’ve since
expanded into Beaverdale, Johnston and Windsor Heights. You and your staff are superb to work
with and offer a product that generates tremendous return on investment. The results are proof that
print advertising is not dead.”
ROSS F. BARNETT — ABENDROTH AND RUSSELL LAW FIRM
2560 73RD STREET | URBANDALE | 278-0623 | WWW.ARPCLAW.COM
Contact Iowa Living magazines today to get your business noticed!
Call (515) 953-4822 or email jolene@iowalivingmagazines.com.
www.iowalivingmagazines.com/urbandale
FEBRUARY | 2013
Urbandale Living
23
chamber news
Chamber of Commerce, 331-6855
Congratulations
Businesses, individuals to be honored
By Becky DeVries, Urbandale Chamber president
hese individuals and businesses will be honored at the Urbandale
Chamber of Commerce Annual Dinner on Thursday, Feb. 7, at the
Tuscany Event Center from 5 - 9 p.m. The event is open to the
general public, however reservations are requested in advance. Contact the
Urbandale Chamber office at 515-331-6855 to reserve tickets.
T
ϵʹĚĂLJĐƵůƚƵƌĂůĞdžƉůŽƌĂƟŽŶĂĚǀĞŶƚƵƌĞƚŽ
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t Entrance fees for attractions
Call the Urbandale Chamber of Commerce
515-331-6855
to register to attend the informational
meeting or for more information
Trip organized by the Urbandale Chamber, Ankeny Chamber
and the Greater Des Moines Partnership
24
Urbandale Living
FEBRUARY | 2013
%DUCATOROFTHE9EARˆ*ON0ARROTT
And our three nominees for 2012 Business of the Year:
Dice Holdings
Hy-Vee
Van Meter Inc.
Did you know…Members of the Chamber can post job openings for
free on www.uniquelyurbandale.com! Just one of the many benefits of
membership. To find out more information about membership benefits of
the Urbandale Chamber of Commerce, call 515-331-6855 or visit www.
uniquelyurbandale.com. Urbandale Chamber Mobile App drives business.
Urbandale Chamber Mobile App drives business
The Urbandale Chamber of Commerce is proud
to encourage residents and visitors to Shop Local
through their mobile app. Find local business, access
“hot deals” and more! The free app can be downloaded to any Droid or iPhone! Scan the QR code
or search for “chamber” or “mychamberapp” in
your marketplace/app store. Q
www.iowalivingmagazines.com/urbandale
out & about
Submit your photos and captions to darren@dmcityview.com
Cynthia Hilsabeck and Mark Hefferman at the
Urbandale Chamber Luncheon at the Ramada
Conference Center on Jan. 16.
Brooke Julius, Julia McCarville and Shannon Bogolin at the Urbandale Chamber Luncheon at the Ramada
Conference Center on Jan. 16.
Steve Skram and Bruce Kalisek at the Urbandale
Chamber A.M. Exchange sponsored by Signs Now
on Jan. 29.
Tom Blaskovich and Troy Anderson at the
Urbandale Chamber A.M. Exchange sponsored by
Signs Now on Jan. 29.
Val Wagner and David Russell at the Urbandale
Chamber A.M. Exchange sponsored by Signs Now
on Jan. 29.
Jeana Schultz and Mary Harken at the Urbandale
Chamber A.M. Exchange sponsored by Signs Now
on Jan. 29.
Dee Dee Kalny and Robert Strohmeyer at the
Urbandale Chamber A.M. Exchange sponsored by
Signs Now on Jan. 29.
Jill Creveling and Mark Wierson at the Urbandale
Chamber A.M. Exchange sponsored by Signs Now
on Jan. 29.
Molly Jansen and Andrea Houk at the Urbandale
Chamber A.M. Exchange sponsored by Signs Now
on Jan. 29.
Bill Grund and Terry Nielsen at the Urbandale
Chamber A.M. Exchange sponsored by Signs Now
on Jan. 29.
Jolene Goodman and Susan Bonnicksen at the
Urbandale Chamber A.M. Exchange sponsored by
Signs Now on Jan. 29.
See more photos online at www.iowalivingmagazines.com
www.iowalivingmagazines.com/urbandale
FEBRUARY | 2013
Urbandale Living
25
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