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Selling Your Home in 2015?

April 1, 2015 by admin

Boost Your Resale Value

In order to sell for top dollar, some improvements may be necessary. But renovations can be costly and don’t always add value to your home.

Here are three sure-fire, inexpensive ways to improve your home’s resale value.

Make a Great First Impression

Curb appeal is priority number one. Does your house look welcoming? Spend some time landscaping your yard. Pressure wash your driveway. Paint the front door. Plant some fresh flowers. Doing the work yourself or with the help of friends will minimize your costs and maximize your results.

Refresh the Interior

Show off all your house has to offer! Repaint in neutral colors. Remove old wallpaper. Make rooms look larger by clearing any clutter. If possible, store unnecessary furniture somewhere else. Have carpets cleaned. Organize closets and cabinets. Be sure the kitchen and bathrooms are sparkling. Most of these suggestions cost very little but add huge value to the buyer.

Install Inexpensive Upgrades

Sometimes we assume upgrades will be costly in both time and money, but many changes may be within your budget. For example, improving the ceilings of main rooms adds big value. Add an elegant touch by installing crown molding, or add box beams for a rustic feel. Painting and changing the hardware on cabinet doors can create dramatic change, and updating light fixtures and doorknobs can make a space look more modern.

Selling your home may require a modest investment, but following these guidelines will likely result in a quicker sale and a better return for you.

If you’d like to discuss buying or selling a home, feel free to give us a call. Curious about the current value of your home or real estate activity in your area? We’d be happy to share that information with you.

Jeff Mullen Real Estate – Service you deserve! 515.778.7801

Filed Under: Real Estate

Scott Wiley: Rockin’ and Walkin’ at the Waukee Family YMCA

April 1, 2015 by admin

Hit the Waukee Family YMCA indoor track on any given day between 6:15 and 10 a.m., and you may see Scott Wiley. With his earbuds in, iPhone with external charger at the ready, and Fitbit clipped to the center of his shirt, Scott is likely walking his daily half marathon.

Screen Shot 2015-04-01 at 3.25.35 PMYes, you read that right. Scott, age 45, walks an average of 20 miles every day, with 13 of those miles around the Waukee YMCA track and building, or on different trails around the city.

“I started with nine walking routes at five miles each,” said Scott. “I am able to cover the entire city of Waukee in one week! Take into account I cannot run, but I am a heck of a power walker!”

During his time on the track, he multi-tasks by talking with friends, tackling Fitbit challenges, and listening to music.

“It’s usually rock or country that I listen to…if I ain’t rockin’, I ain’t walkin’,” Scott laughed.

Scott was born with Cerebral Palsy and began walking five years ago “out of boredom” and to be healthier.

“I needed something to do, so I started walking and never quit,” said Scott, who works at the Waukee Hy-Vee in the afternoons.

Scott has walked the IMT Des Moines Half Marathon and the Drake Relays Hy-Vee Road Race Half Marathon. He keeps meticulous track of his steps with the help of his trusty Fitbit. His Fitbit friends have christened him “THE BEAST” on the fitness-tracking tool.

It’s a proper nickname for him, as all of this walking—over 28 million steps, or 13,000 miles at the time of interview—equates to walking halfway around the world. All these steps have kept him at the top of every leaderboard in Iowa, ranking between number one and two. He has also previously been the number five Fitbit stepper in the nation.

Beyond the leaderboards, Scott’s Fitbit usage has also led to other major healthy lifestyle changes for the Waukee resident. When he started walking, he weighed 240 pounds. Between walking, clean eating (think fruits, vegetables and no artificial sugar), and medicating a thyroid condition, he has lost 90 pounds.

Scott uses Fitbit to track his steps, calories burned, mileage, and floors climbed—among other analytics. The in-app gamification functionality acts as a natural motivator for steppers. Users can earn badges, participate in challenges, or start challenges for other to join in—like Scott does.

Users can also join groups within the app or on Facebook for motivation. Scott is the administrator for two Fitbit user groups, the Red Tennis Shoe Fitbit Group and the Red Tennis Shoe Rebounders Fitbit Group. Rebounders are members who jump on a mini trampoline to count steps.

“I was conned into buying my first rebounder last November by one of my Fitbit friends, and I love it!” Scott said, adding that it’s easier on his body than power walking.

In January of 2014, he made it a goal to set Fitbit history at the Waukee Family YMCA by walking 100,000 steps in one day, going beyond the 75,000 step badge. He accomplished his goal in approximately 13 hours by taking a break after every 25,000 steps. At the time, there was no badge for this accomplishment, and Scott contacted Fitbit until they added one last November. This past January, he repeated the feat and obtained the badge he deserved.

Through engaging with Fitbit, Wiley has made a number of friends from all corners of the community and even global acquaintances.

“Some of these people have become personal friends, and most I talk to every day; we share in the daily struggles and issues we face and have fun in the groups and challenges,” he said.

Scott also said that his life has changed forever since he began walking.

“If you look beyond that little piece of plastic called a tracker you buy in the store, there is a whole other world with it,” he said. “This experience cannot be put into words; this is something special.”

YMCA
www.dmymca.org

Filed Under: Health

Meaningful Moments make a difference with Alzheimer’s

April 1, 2015 by admin

Every person living with dementia has a unique story to tell. Everyone’s journey through the aging process and maze of illness follows a distant path. Because of this, each person experiences dementia in a very different way.

The more we can learn about the person’s past experiences, preferences, challenges and successes, the better we can address their current needs and honor their uniqueness as an individual.

Caring for the ‘whole person’ living with dementia, means not only meeting their physical needs, but it’s equally vital to address their social, emotional, mental and spiritual needs to ensure that their lives continue to hold meaning and purpose.

Focusing on remaining abilities while minimizing disability, and assisting the person to remain as independent as possible will help to preserve dignity, individuality and self-esteem.

Meaningful moments are crucial and occur throughout the course of a typical day for a person living with dementia. Dining, walking in the courtyard, sitting in the parlor or participating in a group activity can all contain meaningful moments. It’s about when one person connects with another person through compassionate interaction, evoking a pleasant memory, emotion or sensory impression.

By knowing a person very well and being familiar with their life story, skilled staff members can ease current challenges and bring meaningful moments of joy and self-worth to a persons present time, and throughout their remaining days.

Located in beautiful Urbandale, Iowa, the Glen Oaks Alzheimer’s Special Care Center is one of the newest and most comprehensive upscale assisted living care facilities in Iowa. Here you will find our family’s distinct Meaningful Moments® brand of memory care, where a full consideration of the resident’s life experience and background, preferences and interests are all incorporated into an individualized, customized treatment plan.

At Glen Oaks Alzheimer’s Special Care Center, residents can choose between long-term assisted living arrangements or short-term respite care, all the while benefiting from the JEA Senior Living mission to be the “…Leader in providing quality personal services to our residents, while honoring the experience of aging.”

Glen Oaks Alzheimer’s Special Care Center

Filed Under: Health, Senior Living

Money Matters

April 1, 2015 by admin

Some of the money “basics” are confusing to those just starting their financial future. Financial lessons are learned at many different times in life, including youth. 

Here is a humorous twist to ten lessons that make for a good conversation starting point with your young person.

1. Money doesn’t grow on trees. Learn to earn. It develops respect.

2. Saving for the future starts immediately, not when you grow up. Saving early builds a strong habit and a strong future.

3. Checking accounts do have limits. You can’t keep writing checks just because you have them.

4. Interest rates are at about a 45-year low. Review your debt to insure proper interest rates are in place. Early payoffs are not always recommended in the current rate environment.

5.  Credit cards should not be used as long term loans.  There are better ways to finance. If you don’t have a good payment plan, one maybe you should re-evaluate the purchase.

6. The telephone banking line doesn’t have ESP. The balance information given has no way to recognize checks written but not presented for payment.

7. Online banking operates 24/7 so you can bank anytime. No more sleepless nights worrying about your banking.

8. The vault has no mercy. Don’t put your item in your safe deposit box if you need it after business hours. The vault won’t open no matter what your emergency.

9.  Auto payments don’t originate from the ignition of your car. It’s easy to get auto-pay started and guarantees on-time arrival of your payment.

10.  Generally, no one under 18 can own a bank account alone. It doesn’t have to be a parent, just someone 18 or older.  Choices include joint, custodial, uniform gift to minors, or
conservatorship accounts.

Money matters are complicated. These tips are a healthy start to a strong financial future, but they are just a beginning. Meeting with a banker to understand your personal situation is always a good idea.

American Trust
www.americantrust.com

Filed Under: Banking

I’m in the market to build a new home

April 1, 2015 by admin

What are my financing options?

In today’s housing market it is a great time to consider buying or building a new home. While we have seen rates increase slightly in the past year, rates are still at historic lows which makes building or buying a new home more affordable. 

Traditionally, building a home would mean 2 separate loans for the consumer; one loan for the construction phase of a homebuilding project and another loan for when the project is finished,
or what we call “permanent financing”.

Today we are seeing growing popularity with construction loans called “construction-to-permanent financing,” also known as the “all-in-one” or “one-time-close” loans. These types of loans have become popular due to the convenience for the consumer having only one application, one set of closing costs, and a single closing. A huge factor when considering construction-to-permanent financing is that it can protect you from rising interest rates.

The construction phase often takes 6 months or longer to complete. Without construction-to-permanent financing, this is a period of time when the consumer is at risk for interest rate fluctuation. Luana Savings Bank helps customers lock in a great long term interest rate right up front during the construction phase. We work with our customers to estimate the time period for construction and when it is completed monthly payments will start. This allows consumers to eliminate the risk of rising interest rates during the construction phase. Not all lenders offer these types of construction loans. However, Luana Savings Bank specializes in this type of lending as we see the great benefit for our customers.

Luana Savings Bank also specializes in home mortgages for those who are in the market to buy a home, rather than building which can be overwhelming. Our “No Cost Mortgage Special” has become a very popular loan product that Luana Savings Bank offers for both purchases and refinances. Again, not all lenders are able to offer this type of lending. This special product is a limited time offer that allows our customers to lock a competitive rate at no cost. Eliminating closing cost fees protects the consumer from being overcharged.

Luana Savings Bank also stresses the importance of quick loan approval and local loan decisions. We are unique because we approve and service loans locally. We strive to build close relationships with our customers beyond numbers which leads to a much more fulfilling experience for the customer as we work to meet their needs.

We welcome you to stop and talk to our real estate experts at Luana Savings Bank with any questions and see if our Construction-to-Permanent Financing or No Cost Mortgage Special products fit your needs.

Luana Savings Bank
www.luanasavingsbank.com

 

Filed Under: Banking

LIFE INSURANCE – DON’T DIE WITHOUT IT

April 1, 2015 by admin

Death is not something any of us wants to talk about, but if you died today, would your family be financially secure without you?

Would they be able to maintain your residence? Could your children attend college? Would all of the monthly bills get paid? Or would you leave unnecessary financial burdens for your family? 

Life insurance pays your family after your death, ensuring your family is taken care of and is financially secure. Life insurance benefits can be used to pay funeral expenses, medical bills, the mortgage, existing debt, and taxes. Equally important, life insurance can provide replacement income and pay for anticipated expenses like college tuition and retirement needs.

You know you need life insurance, but how much is enough? A simple calculation provides an initial estimate. Multiply your current annual income by ten. This provides an approximate amount of coverage you should have. Other factors will affect your specific needs, such as your age, number of children, family income sources, existing debt, and any current life insurance you already own.

If you have life insurance today, do you understand your policy and are you sure it is adequate to protect your family? When it comes to life insurance, what you don’t know can hurt you. Most important, it can hut the ones you love.

That is why INSPRO is now offering a free Life Insurance Performance Evaluation. This thorough evaluation will help you accurately assess your needs and determine if you are getting the best value from your premium.

Our free Life Insurance Performance Evaluation will lead to one of the following results:

You have adequate coverage and your policy(ies) are performing the way you need. Peace of mind!

You are currently paying too much and can save money for the same or better coverage.

You can significantly increase benefits without increasing payment.

Your policy guarantees can be improved.

You can cover additional needs (LTC) without “out of pocket” cash flow.

Let’s ensure your family is protected. Give Joe Meyers at INSPRO a call today at (515) 226-9565 to schedule your free Life Insurance Performance Evaluation. 

INSPRO Insurance
www.insproins.com

Filed Under: Insurance

The New Wellmark YMCA

April 1, 2015 by admin

With the dawn of a new year, a new YMCA is coming to downtown Des Moines.

The Wellmark YMCA officially opened for business on New Year’s Day as the trained YMCA staff is helping individuals continue their journey to an active, healthy lifestyle.

The new facility at 501 Grand Avenue in downtown Des Moines replaces the more than half-century-old Riverfront YMCA. According to Tim Short, executive director of the Wellmark YMCA, the new Y will offer many of the same features as the Riverfront Y, but will be better designed – and new.

“One of the things many of our members are excited about is we are getting new equipment throughout the facility, replacing most of what is currently at the Riverfront Y,” Short said. “But more than anything else, the Wellmark Y will allow us to offer more classes and fitness opportunities to meet the fitness goals of our members.

“The Riverfront Y served the downtown Des Moines community well for the past 50 plus years and we believe that the new Wellmark Y will have just as big, if not a greater impact over the next half century.”

The Wellmark Y is not only newer but much bigger than the Riverfront Y.With over 140,000 square feet of space, this world-class facility includes, among other features…

  • Indoor Track – Short says the 1/8 mile track is the biggest indoor track in the city, almost twice as big as the current Riverfront Y.
  • 2 Basketball Courts – the junior high length courts have markings for volleyball courts as well.
  • 8 Racquetball / Handball Courts – the courts are located on the facility’s upper level with the capability of seating for tournaments.
  • 2 Squash Courts – the squash courts are the only courts in the Des Moines area
  • Wellness Center – the Wellness Center will be located on the upper level with the capacity of up to 100 machines.
  • Cycling Studio – tiered, enclosed structure with the capacity for up to 50 bikes.
  • Strength Conditioning Area – the free weight area will also be in this location.
  • Yoga Studio – located on the lower level in a quiet area of the facility, the Yoga Studio is equipped with cork floors.
  • Group Exercise Studio – this studio on the facility’s upper level will be used for group fitness classes including Body Pump, Zumba and Insanity.
  • More than 75 weekly classes will be held in the Group Exercise, Yoga and Cycling studios with early morning, noon-time, late afternoon, early evening and
    weekend offerings.

In the coming months, an eight-lane, 50-meter pool with seating for 1500 will be completed along with a four-lane, 25-yard pool. A café is also planned in the future on the first floor just off of the main lobby.

The Wellmark Y is one of 10 branches of the YMCA of Greater Des Moines. Membership rates will remain the same as the Riverfront Y and a YMCA membership is good at locations throughout Des Moines (except for the YMCA Healthy Living Center in Clive, which has an additional fee). Membership rates are based on household income and financial assistance is available.

YMCA
www.dmymca.org

Filed Under: Health

Defeating Winter Skin Dryness

April 1, 2015 by admin

Winter’s cold, blustery weather causes many of us to suffer from dry skin.

Outside temperatures and humidity levels plummet. We retreat indoors for warmth only to encounter dry air generated by our furnace and fireplace. We attempt to stay healthy through the cold and flu season by washing our hands more frequently. It doesn’t take long before our lips and hands crack and our skin begins to feel itchy, flaky and dry.

There are a number of things you can do to help prevent dry skin, such as:

  • Taking shorter showers or baths and moisturizing immediately afterwards (before your skin dries) with emollient creams.
  • Turning your thermostat down.
  • Using a humidifier.
  • Using only alcohol-free types of hand sanitizers.
  • Protecting your hands with gloves when going outside or when exposing them to water or chemicals (such as when washing dishes or using household cleaning products).
  • Moisturizing again!

As we age, our skin becomes thinner and dryer. According to a survey by the National Rosacea Society, 22-23 percent of the rosacea respondents in their 50’s and 60’s, respectively, reported increased dryness. This number rose to 34 percent after age 70. There are many options for improving dry, vascular skin.

At Urban Effects, we recommend an annual skin care consultation to review skin care routines and product usage.  January is a great time to schedule a complimentary VISIA skin analysis and design a customized plan for the upcoming year. We allow enough time to evaluate your skin, products and budget and to implement a plan that addresses your skin care goals. Skin care routines and products often need to change during colder, dryer months. In some cases, certain products may need to be eliminated, used less frequently or changed to different vehicles in order to improve the condition of the skin. This process often saves you time and provides
superior results.

We offer a variety of in-office treatments that can improve dry skin. These range from light to medium chemical peels, HydraFacials™ and NANO™ laserpeels. These treatments allow the appropriate skin care regimen to penetrate and accelerate hydration. They also provide fast relief with no downtime. In addition, many with facial redness enjoy visible improvement from a FotoFacial™ BBL™.

For more information or to schedule a complimentary skin care consultation, contact Urban Effects Medspa at 987-5188.

Urban Effects Medspa
www.urbaneffectsmedspa.com

Filed Under: Health

What is the Value of Your Business?

April 1, 2015 by admin

Only 30 percent of all businesses put on the market for sale are actually sold, according to the National Federation of Independent Business.

As a business owner, ascertaining the value of your business is important for a variety of reasons, including business succession, estate tax estimates and loan qualification. There are a number of valuation techniques, ranging from the simple to the very complex. Outlined below are three different methods to placing a value on a business.

Asset-Based Method
This approach calculates the value of all tangible and intangible assets held by the business. It ignores the future earning potential of the company. Thus, a pure asset-based valuation model is often used for companies that are bankrupt or looking to liquidate.

Earnings-Based Method
This approach seeks to arrive at a business value by applying a multiple to normalized earnings – for example, earnings adjusted to subtract the owner’s compensation and related expenses. The multiplier can vary substantially, depending on the industry and the outlook for the business.

Market-Based Method
This approach compares the business to similar businesses that have recently been sold.

Business valuation is not simply a formulaic exercise. For instance, there is value in the business being a “going concern” as opposed to the start-up alternative.  Ownership percentage also matters, and purchasing a minority share that has limited control may result in a discount to the actual value. The prospects for the business also impact its value. A greater premium will likely apply to a company engaged in a leading-edge technology than one involved in a mature market.

Placing a value on a small business is not an exact science.  Some aspect of the valuation may be debatable (such as the remaining life expectancy of a machine), while other aspects may be positively subjective (such as the value of the company’s reputation).

The true value of anything can only be determined when a willing seller and a willing buyer agree on a price of exchange. As a consequence, any valuation exercise may yield only a rough estimate.

Before moving forward with a business valuation, consider working with legal and tax professionals who are familiar with the process. A qualified business appraiser may also be able to offer some
valuable insight.

Actis Wealth Management
www.actiswealth.com

Filed Under: Financial

Keeping up the fight for healthy living

April 1, 2015 by admin

Meet Courtney Owen: MMA Fighter, Mother, Member, Y Coach 

Screen Shot 2015-04-01 at 12.50.34 PMStanding, arms crossed, in a royal blue YMCA staff shirt, Courtney Owen looks like a force of fitness to be reckoned with. Her biceps have been built not only by lifting weights, but by the ups and downs of a fitness journey well traveled.

Now a wellness coach at the Waukee Family YMCA, Owen assists members of all ages with orientation, ActivTrax and fitness testing.  But perhaps most significantly, she listens to and empowers YMCA members on their journey towards positive life change.

“I like all of the people here; you really get to know everyone,” Owen said. “Because of my own fitness goals and challenges, it’s easy for me to relate with people.”

Owen said that she has been inspired by many YMCA members striving to do their best.

“There’s a lady that has Multiple Sclerosis who rides a scooter and uses every last ounce of her independence,” Owen said. “She comes in and walks about a minute on the treadmill. She falls almost every time, but she gets back up and scoots off to her next exercise.  Members like that help you remember not to take things for granted,” she said.

She certainly has not taken getting her body back into shape for granted.

“I had my daughter six years ago, and at that time, I weighed 203 pounds,” Owen shared. “I gained something like 60 pounds while I was pregnant.”

Following the birth of her daughter, she became “obsessed with working out” in order to take her body back and beyond to a new level of fitness. Owen is a former MMA fighter, the kind that throws packed punches and kicks in the cages. Her last fight was in April 2013.

Before Owen moved to the area from southwest Iowa in the spring of 2013, she was training at a Tae Kwon Do gym. When she moved here, she needed a place to work out and the Waukee Y fit the bill. With a full weight room, a pool, and premiere small-group exercise classes, including Warrior Fit and Boot Camp, the Waukee Y became her second home.

“When a position opened up at the Y, I thought, ‘I’m here all the time, why not work here?’” she said.  So she quit her full-time job at an optometrist’s office and started working at the Y. She hasn’t looked back, only forward – to graduating from the Fire Academy later this month. Owen also works part-time on the Grimes Fire/EMS team.

When you join the YMCA of Greater Des Moines, you gain access to nine YMCA locations, many great programs and services, and a passionate staff of team members focused on helping you reach your goals. Stop in and meet with Owen, or another one of the wellness coaches, and take the first step towards a healthier life.

Waukee YMCA
www.dmymca.org

Filed Under: Health

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