March 2018 An exclusive magazine serving the residents of Columbus
Photo by Creative Images
A Lesson in Perseverance the Codlings
• Essential Oils! • 2018: Sammy’s Superheroes Foundation’s Five Year Anniversary • It’s Spring…Let’s Clean!
A Note from your Content Coordinator...
Holy Buckets is Spring Here Yet? It has been a long, strange winter with weather full of ups and downs and lots and lots of illness everywhere. I don’t know about you but I am ready for warmer temps and my windows open with a fresh breeze blowing. As I look over this issue of Columbus Neighbors, I can’t help but be so proud of our community and all the great people and things that we have happening right here where we live. We are fortunate to live in such a great community, striving each day to be our best selves. I am excited for you to read each page and take part in the fun things that are happening this month! Be well and enjoy spring!
Flooring & Home Decor Damon Vogt - Owner Dave Johnson & Craig Whitmore 402-564-5588 www.home360squarespace.com
Physical Therapy Columbus Physical Therapy, PC 402-564-5456 www.columbusphysicaltherapy.com
Hospital Columbus Community Hospital 402-564-7118 www.columbushosp.org
Financial Thrivent Financial 402-606-4410 email@example.com
Assisted Living The Heritage at Meridian Gardens Rachelle Congdon 402-564-6300 www.heritage-communities.com
Healthy Living Kimberly Harm, PhD, APRN-NP 402-276-0294 firstname.lastname@example.org www.harmonylifestylemedicine.com
Heating & Air Conditioning Steve Simmons Air Comfort Heating & Cooling 402-564-2255 www.aircomfortne.com
INSURANCE Annette Alt Annette Alt State Farm 402-564-8581 www.annettealt.com
Plumbing & Pumping Service Rick Tate & Zach Tate Drain Surgeon & DS Pumping Services 402-563-2213 & 402-564-5048 email@example.com
Real Estate HOME Real Estate 402-563-4663 www.homecolumbus.net
Andrea Kuhl, Content Coordinator firstname.lastname@example.org
Connect with us! Proud member of the Columbus Chamber of Commerce.
Publication Team Publisher: Kelcie Keeling Content Coordinator: Andrea Kuhl Designer: Jody Zipp Contributing Photographer: Creative Images Content Contributors: Don Dreeson, Makenna Frenzen, Courtney Wright, Alyssa Theilen, Kimberly Harm
Advertising Contact: Kelcie Keeling, 402-250-7606, email@example.com
Submission Deadline: Content due on the 12th of each month.
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Important Phone Numbers: Emergency ............................................................................................................................... 911 Police Department ............................................................................................402-564-3201 Fire Department ................................................................................................402-564-8129 City Clerk’s Office ...............................................................................................402-562-4224 Crime Stoppers ..................................................................................................402-563-4000 Library ...................................................................................................................402-564-7116 Park Maintenance ..............................................................................................402-562-4271 Animal Control ...................................................................................................402-564-8839 Central Community College ..........................................................................402-564-7132 Columbus Christian School ...........................................................................402-562-6470 Columbus Public Schools ...............................................................................402-563-7000 Immanuel Lutheran Church and School ...................................................402-564-0502 Scotus Central Catholic Jr/Sr High Schools ..............................................402-564-7165 Lakeview Community Schools .....................................................................402-564-8518
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Columbus Neighbors March 2018
Livestock, a hog confinement in the Elwood/Arapahoe area. Connie devoted twenty years working for First National Bank, spending most of those years in the Ag and Commercial Loan Department. After Connie retired from the banking world, she opted spend her days working where she could express her creativity, working for nine years at Columbus Floral and now part-time at Tooley Drug as a decorator and display arranger. She also finds herself very busy during the Christmas season, decorating client’s homes and trees for the holiday season. She also makes time to deliver meals for Meals on Wheels, and is a member of Women’s Club, a local sorority.
A Lesson in Perseverance the Codlings
By Andrea Kuhl Throughout life, every person has different paths that they take… different experiences…different adventures. John and Connie Codling are no exception to that, and have endured so much throughout their forty-nine years of marriage. And through all that life has given them, they have known that the love and support of their community is what guides you through some of the most difficult times in life. John and Connie Codling met in 1965 while attending Omaha Beveridge High School in Omaha. They were married at St. Robert’s Catholic Church in 1969, just as John began his service in the Army. He spent those first years of their marriage overseas in the Republic of South Vietnam as a combat assault helicopter pilot with the First Air Cavalry. John was wounded in action and was a recipient of the Distinguished Flying Cross by the Army. His service ended in 1971, following his injuries and John returned to Omaha and his young
bride. He began working for the Byron Reed Company as a Mortgage Loan Officer, specializing in VA and FHA financing. In 1973, John began working in Title Insurance for TIcor Title Insurance Company. That same year, the couple welcomed their first child, daughter Tiffany. Three years later, daughter Kimberly was born. In 1978, John and Connie moved the young family to Columbus, where he had purchased the abstract business Weerts-Boettcher Company. In 1980 he incorporated the business into Platte County Title and Escrow Company, where he was the Owner and President until he sold it in 2000. He began working for Landmark Title and Escrow here in Columbus and has spent the past forty-five years working in the Title Insurance business. He has also served as President of Nebraska Land Title Association and the Chairman of the Nebraska Abstractors Board. As if he wasn’t busy enough, John also has other business ventures, including becoming a financial partner of Iowa Diamond in Des Moines, as well as a partner with Sand
The girls grew up quickly over the years, attending West Park and St. Isidore Elementary and Scotus Central Catholic High School. Today, Tiffany lives with her husband Bryce Todd and their two daughters Lauryn and Jacquelyn in Elkhorn. Tiffany works as a substitute teacher in the Elkhorn Public School System, while Bryce is an Executive Corporate Recruiter. Kimberly and her husband, Mike, live here in Columbus, raising their four children, Mason, Tyler, Ryan and Shelby. Kim is a Professor in the Nursing Department at Nebraska Wesleyan University and an ER nurse at Nebraska Medicine in Omaha. Mike is the co-owner and VP of Paul Davis Restoration of Northern Nebraska. The Codlings have really worked to make Columbus home over the past forty years. John has served as the Chairman of the Columbus United Way Annual Drive, as well as on the Scotus School Board, Platte County Agricultural Board, Center for Survivors Board and Subsequent Endowment Board. He was a Trustee of the Central Community College Foundation, and a Trustee of the Nebraska Independent College Foundation. He spent many years as a member of the Columbus Sertoma Club and the Columbus Chamber of Commerce Commodores. In the early 1980’s, when AYSO soccer was new to Columbus, John became the Region Commissioner and helped grow the program to over one thousand players. From there he because the AYSO three-state Area Director and then the nine-state Section
Director. There were many Saturday mornings where John and Connie were found out on the Lost Creek soccer fields lining the fields, coaching and refereeing games. The family has always loved the Lake Okoboji area in Northwest Iowa. In 2000, they purchased a condominium for the entire family to enjoy. Each summer, over the past seventeen years, John has hosted the Okoboji Invitational Golf Tournament, which has included as many as thirty-four other Columbus residents participating in the three-day festivities. The entire family looks forward to their summer getaways to Okoboji, where relaxation is key. John and Connie are season ticket holders for both the Nebraska Cornhusker Football team and the Creighton Bluejays Men’s Basketball team. They love the opportunity to take in games and cheer on their Midwest favorites! They both have a strong passion for golf and have been members of the Elks Country Club since they moved to town in 1978. They both love the opportunity to follow their grandchildren in their various sporting endeavors, including wrestling, volleyball, basketball, soccer and track. They are also members of St. Bonaventure Church and love to dedicate their time to the needs of the church community, spending time at the Perpetual Adoration Hour for John, and on the church’s decorating committee for Connie. Zoey is the couple’s beloved sixyear old Goldendoodle, who brings them immense joy. When they are out and about, Zoey is usually tagging along as well. On the morning of February 23rd, 2016, John and Connie’s lives forever changed. John woke up experiencing stroke symptoms. He
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Columbus Neighbors March 2018
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at home where he continued rehabilitation at the Wellness Center throughout the summer.
had overslept, something he never, ever did. He was also confused as to what day it was and was disoriented in the home they had lived in for the past eighteen years. They immediately headed to the Columbus Community Hospital emergency room. Their daughter Kimberly was working her shift at the time and immediately knew something was very wrong with her dad. Dr. Metcalf diagnosed John with a hemorrhagic stroke; he was transported by ambulance to Nebraska Medical in Omaha and treated in the Intensive Care Unit for several weeks. As a result of the stroke, John also suffered a pulmonary edema hypertensive crisis and an acute myocardial infraction. His condition was extremely critical. As John battled, the family was flooded with gifts of prayer and hope by their Columbus family, as well as immense support from the close-knit Columbus community. In response to the prayers and John’s resolute character, he was dismissed from Immanuel Rehabilitation, where he had gone through intense therapy for two weeks. His family never left his side and friends visited daily. On March 19th, just twenty-six days after his stroke, John was officially dismissed and began his recovery
John and Connie’s love for each other was never more visible then during this time. They were reminded how important family, friends, and their community are during those trying days. People know John know that he lives his life every day to the fullest, and that he knows to ever take anything for granted. •
Do you know a neighbor who has a story to share? Nominate your neighbor to be featured in one of our upcoming issues! Contact us at akuhl@ bestversionmedia.com.
What's Happening at the
Columbus Public Library?
By Kelli Keyes The Library has a busy month ahead. Check out all the great things that will be happening! The first one is: On March 10th, Saturday at 2 pm, Tom Adamson, a published author, will come to the Columbus Library and read poetry to us while we have refreshments. He currently is an active songwriter with several musicians in the area, and is an Associate Professor of Business at Midland University. The second program is: March 24, Saturday, will be the Easter Egg Hunt on Frankfort Square. The two year olds will start their hunt at 12:30 pm, and the 3, 4, and 5 year olds will start at 1 pm. It’s always lots of fun and excitement for everyone. The Easter Bunny will be there for photo opportunities, and lots of prizes will be won. Some lucky winners will find tickets for large plush bunnies in their eggs. Thirdly: On March 31, Saturday at 2 pm, Cherrie Beam-Callaway from Nebraska Humanities will come to the library in character as “Mariah Monahan,” an immigrant to Nebraska from Ireland in the mid-19th century. Based on historical fact, Mariah will captivate the audience with her dramatic rendition. The audience will be transported in time, sailing the ocean, riding the wagon trail, feeling the loneliness and fighting prairie fires. Laugh and cry with stories of successful crops, dancing, hard work, losing loved ones and, most importantly, becoming American. •
Columbus Neighbors March 2018
Columbus Physical Therapy
By Andrea Kuhl Columbus Physical Therapy has been a community staple for the better part of twenty years. Providing the ‘Feel Good Experience’ for each and every person who comes through the door is the life-blood of the company. This experience goes far beyond just providing treatment and therapy for the patients who come seeking relief from pain and limitations or rehabilitation from injury or surgery. It is a deeper level of support for the patient that provides a warm, friendly and comfortable environment. The most integral part of the ‘Feel Good Experience” is service, whether that service is through accommodating and flexible scheduling, same-day appointments, specialized techniques tailored to individual needs, some extra TLC, or just a really great cup of coffee and conversation. Working with each individual to make sure all their needs are met is the core value of the company that owners Steve Line and Rusty Kuhl strive to provide. In addition to customer service, Columbus Physical Therapy is very results focused with their patients. In 2017, CPT patients reported a nearly 100% satisfaction as well as meeting nearly 90% of all patient physical and functional goals! CPT offers a vast array of physical therapy treatment options immediately for anyone who has pain and stiffness in their back, neck, shoulder, knees, hips, foot and ankle, and hand and wrists. The PT staff provides tremendous results in treatment after surgery as well as chronic pain, such as fibromyalgia and arthritis. Treatment is designed to be provided in the most efficient manner to the patient, which includes efficient scheduling, and even providing in-home services. In addition to providing traditional quality PT treatment options, specific advanced treatments
are available such as dry needling and advanced manual therapy treatments to aid in reduction of pain and help ease recovery. Physical therapists and physical therapists assistants at all three facilities; Columbus, Humphrey and Norfolk, are Nebraska licensed and some have additional advanced credentialing in orthopedics, strength and conditioning, & dry needling. After earning his Masters in Physical Therapy from the University of Nebraska Medical Center in 1997, Steve started his career in physical therapy working for Grand Island Physical Therapy. Eighteen months later, Steve moved to Columbus and began working at Columbus Physical Therapy. Within the year, Steve purchased the clinic and began this new endeavor for himself. The clinic began to grow steadily in 2003, and he began to add staff and search for another therapist. As chance would have it, the therapist who reached out was someone Steve had known in Grand Island. Rusty Kuhl and Steve had met while Steve was working at GIPT and Rusty was doing an internship there the summer before starting college. After chatting and reminiscing for a while, both Steve and Rusty knew that this would be a perfect fit. Rusty began working at CPT in October of 2004, and became part owner just over a year later, in January of 2006. Steve and his wife Kristine, who is also a physical therapist assistant and the office manager for CPT have been married for over sixteen years and are busy raising four children, Evan, Derek, and twins Alexis and Brianna. The kids keep them incredibly busy with activities including Boy Scouts, band, football, basketball, baseball, club soccer and dance. Steve is a passionate bow hunter and is currently serving as Board Chair of the Chamber of Commerce. Kristine enjoys playing volleyball in the community as often as possible and serves on the Columbus Go Red for Women Committee for the American Heart Association. They are active in their church Abundant Life Christian Center in Neligh, Nebraska and make time for Sunday dinners with Kristine’s family following church services. As if life wasn’t busy enough, Steve and Kristine granted the children’s long-time wish for a puppy, Molly, a miniature Golden-Doodle just this past fall. When Rusty and his wife Andrea aren’t busy working, they can usually be found chasing around their six kids, Ava, Maysa, Noah, Ainsley, Cameron and Tucker. The kids are busy with volleyball, basketball, baseball and soccer, as well as band and choir for the three older kids. They are active at the kids’ schools, Scotus and St. Isidore’s. Rusty loves taking in as many Husker football games and Duke basketball games as possible throughout the year, as well as coaching the kids’ club basketball teams. They are crazy enough to have, in addition to the six kids, 2 dogs, a Shih Tzu and a Bernese Mountain Dog…making for the ultimate odd couple.
Sugar Cravings By Kimberly Harm, PhD, APRN-NP Harmony Health and Wellness, LLC Certified Laser and IPL Specialist Is sugar addiction a real thing? YES, it is! But you do not have to be addicted to sugar to be challenged by cravings for sugar. Everyone knows sugar is not good for you but we often feel powerless to control our cravings. There are many temptations around us including so many candy holidays. Excessive intake of refined sugars and grains contributes to chronic health issues. In order to prevent illness development and reverse symptoms, it is important to limit intake of refined sugars and grains. These are found in highly-processed foods like shelf-stable cakes and cookies, candy bars, granola bars, etc. So many chronic illnesses can be prevented by reducing or better yet eliminating sugar from your daily routine. It hides in our comforts. Cakes, cookies, pastas, coffee shop treats, candy, bars marketed as healthy. Sugar interferes with our mood. It causes weight gain by stimulating release of insulin, which then causes your body to store fat. Sugar contributes to chronic inflammation, which has a negative role in many body functions such as immunity and fighting infections. One of the most challenging tasks when helping people achieve optimal health is stopping sugar cravings and sugar addiction. One difficulty is sugar is food that the body can use as energy even though it is not healthy. We all need to eat. Our bodies are wonderfully designed to save our lives but this desire for sugar was meant for for our ancestors not for our modern time with abundance of sugar. Our ancestors lived in a time when sugar and sweets were not abundant and it was an advantage to be able to crave sweet foods and get the most out them when they were in season. Wonderful micronutrients needed by our bodies to run optimally and efficiently are found in colorful, sweet foods. Think blueberries, strawberries, etc.; not candy, desserts or coffee shop treats! Sugar tricks the reward center of the brain that is involved in encouraging us with rewards for behaviors that are healthy. That
keeps us wanting more sugar when we consume sugar. It is also partly how some can become addicted to sugar. What can you do to avoid sugar cravings? 1. Eat fiber rich foods. Consuming fruits, vegetables and whole grains decreases the spike in blood sugar by slowing absorption. 2. Avoid processed foods. Starchy foods such as bagels, chips, and french fries turn to simple sugar in the body. Highly refined starches such as white bread, pretzels, crackers, pastas are the worst. They can also cause the rapid rise in blood sugar with a crash that follows. The crash makes us feel tired and crabby. Blood sugar instability causes our mood to become unstable. 3. Read food labels and select foods with no added sugar. It is also helpful to not add sweeteners to drinks. Do not be tempted to use artificial sweetener; they make you crave more sugar! 4. Feed your body healthy food when hungry. Feeling hungry often makes us crave sugar. Our bodies are geared for survival. If you have declining blood sugar levels your body will push you to look for quick fix. Healthy mix of protein, fiber or fat can prevent cravings. Satisfy hunger with healthy food…don’t ignore it. 5. Getting enough sleep helps. Sleep deprivations produces more ghrelin, which is a hormone that makes you hungry. Sleep deprived makes us grab caffeine that often make us want more sugar. 6. Eat bitter foods like grapefruit, leafy greens like arugula, radicchio, and kale. Veggies like brussel sprouts and radish. Bitter before sweet can make food like a piece of fruit taste sweeter to satisfy that craving. 7. Stop the self-abuse!! When you have sugar it makes you want more. We often beat ourselves up that we have no willpower or self-control. Thank your body for its ancestral wisdom but then quit telling your body you want more by consuming less. 8. Stop consuming sugar in all its forms. One way is “cold turkey”! However, drastic changes often cause us to feel less power and we return to old habits. If this does not work for you, try cutting out sweets from your diet each week. Exchange sugar treats for whole fruits. Taste buds change over about every 2-3 weeks so be patient, you will crave sugar less when you do not get it. You may also start by adding more vegetable and fruit servings each day. When eating grains, only pick whole grains. •
Both Rusty and Steve find great inspiration in the patients they treat and the staff they have working for them. They love seeing patients overcome injury, surgery or chronic pain and have such a wonderful experience at the clinic that they come back to visit and share news of what is happening in their lives. They are humbled by the work of their staff, which, no matter what their role is in the company, strives everyday to meet the individual needs of each patient. Growth for the company has continued to skyrocket. The Columbus clinic has grown over 1,000% since Steve took ownership back in 1999. There are now three locations to serve the area, including Columbus, Humphrey and Northeast Nebraska Physical Therapy in Norfolk, and eight physical therapists and five physical therapist assistants ready to serve the communities. And while the company is continuing to grow and expand, the one that thing that will always remain the same is the service provided to each individual patient. •
Columbus Neighbors March 2018
2018: Sammy's Superheroes Foundation's
Five Year Anniversary
What does Sammy’s Superheroes have planned for the Columbus community you may ask? Check it out below!
Our five-year anniversary means our fifth year Glow Gold Honors! This year we are hoping to honor more families than ever by inviting back all the families that have ever attended. Not only will the photo booth and bungee trampoline be back, along with so many fun games, but our silent auction will be bigger than ever! This year, as a celebration of our fifth year, entrance is FREE! We want to see more people in the stands than ever before have fun and to show support for all of these brave families all across the state. Put this one on your calendar, Columbus!
• Cars ‘N’ Heroes Car Show, June 3, 2018
• The Havoc 5K- The Beer & Brat Run, October 20, 2018
This inaugural year car show brought to you by and located at Gene Steffy Ford, will include a show ‘n’ shine, along with fun games and great food for the whole family! Car registration is now open on the website.
Hills, hills, and more hills- AND an after party at the finish line with beer, brats and a live band! Join us for our 2nd annual Havoc 5k- The Beer & Brats run! Whether you want to run, walk, or join us for the finish line, don’t miss this fun way to raise funds for childhood cancer research! Registration is open NOW on our website and special coupon code ‘HAVOC2018’ can be used until April 1st!
By Alyssa Theilen, Development Coordinator 2018 may be the best year yet; and not only for Sammy’s Superheroes Foundation, but for all of our supporters as well. Our event schedule is packed with fun events for volunteers and the community to get involved, making it easier to join the fight against childhood cancer, and our signature event, Glow Gold Honors, is FREE to the public this year! Sammy’s Superheroes became an official non-profit after the community of Columbus came together to raise money for childhood cancer after namesake, Sammy Nahorny, was diagnosed with cancer. From day one, the money went straight to research that has been severely underfunded. The organization started as a group of friends who wanted to make a difference for all kids, especially all of the local
• Glow Gold Honors, September 23, 2018
heroes battling for their lives. It has since then grown into a nationally recognized research funding organization. Half of a million dollars and 2 full-time employees later, our 5th year is one of great potential for rapid growth!
• Fore A Cure Golf Tournament, June 9, 2018 It’s the second year that Game Over Cancer and Sammy’s Superheroes has partnered together to make a difference in the lives of all of those battling cancer and to fund childhood cancer research. This 18 hole scramble at Elks Country Club has fun contests and a special grand prize for the winning team this year! Stay tuned, as registration will be opening soon within the next month.
University of Chicago at the beginning of last year. This project is a way for us to be able to help researchers in all 13 types of cancer research. Whether the children are in Nebraska, Seattle or New York, the research we are funding will help all brave children battling childhood cancer. Sammy’s Superheroes cannot thank the Columbus community enough. Without you all, we wouldn’t be able to provide hope to families, funding for life-saving research, and be able to someday say that we were all a part of a cure. Thank you for giving us five years of growth and support. Together, we ARE making a difference! •
These fun events are a way for us to be able to raise more funds for childhood cancer research through sponsors, registration, and generous donations. You may or may not know, but Sammy’s Superheroes Foundation pledged $400,000 to Dr. Cohn at the
Columbus Neighbors March 2018
Women and Retirement Planning Prepared for the Thrivent Financial Office of Melanie Knoepfle, Financial Planner Women often face special challenges when planning for retirement. Because their careers may be interrupted more often to care for children or elderly parents, women may spend less time in the workforce and earn less money than men in the same age group. As a result, their retirement plan balances, Social Security benefits, and pension benefits are often lower. In addition to earning less, women generally live longer than men, and they may face having to stretch limited retirement savings and benefits over many years. To meet these financial challenges, women need to make retirement planning a priority. Consider the following tips to help yourself or the women in your life plan ahead. Begin saving now to help improve your chances of achieving a financially comfortable
retirement, start with a realistic assessment of how much you’ll need to save. If the figure is substantial, don’t be discouraged — the most important thing to consider is to begin saving now. Although it’s never too late to save for retirement, the sooner you start, the more time your investments have to potentially grow. If your employer offers a retirement savings plan, such as a 401(k) or a 403(b), consider enrolling as soon as possible and contribute as much as you can. It’s easy to save because your contributions are deducted directly from your pay, and some employers will even match a portion of what you contribute. If your employer offers a pension plan, find out how many years you’ll need to work for the company before you’re vested in, or own, your pension benefits. Women struggling to balance work and family sometimes shortchange their retirement savings by leaving their jobs before they become vested in their pension benefits. Keep in mind, too, that because
your pension benefits will be based on your earnings and on your years of service, the longer you stay with one employer, the higher your pension is likely to be. Most employersponsored plans allow you to choose from several investment options (typically mutual funds). If you have many years to invest or you’re trying to make up for lost time, you may want to consider growth-oriented investments such as stocks and stock funds. Historically, stocks have outperformed bonds and shortterm instruments over the long term, although past performance is no guarantee of future results. However, along with potentially higher returns, stocks carry more risk than less volatile investments. A good way to get detailed information about a mutual fund you’re considering is to read the fund’s prospectus, which can be obtained from the fund company. It includes information about the fund’s objectives, expenses, risks, and past returns. A financial professional can also help you evaluate your retirement plan options. Even if you’re staying at home to raise your family, you can — and should — continue to save for retirement. If you’re married and file your income taxes jointly, and otherwise qualify, you may open and contribute to a traditional or Roth IRA as long as your spouse has enough earned income to cover the contributions. Both types of IRAs allow you to make contributions of up to $5,500 in 2018
(unchanged from 2017), or, if less, 100% of taxable compensation. If you’re age 50 or older, you’re allowed to contribute even more — up to $6,500 in 2018 (unchanged from 2017). Do you worry about outliving your retirement income? Unfortunately, that’s a realistic concern for many women. At age 65, women can expect to live, on average, an additional 20.6 years.1 In addition, many women will live into their 90s. This means that women should generally plan for a retirement that will last at least 20 to 30 years. Women should also consider the possibility of spending some of those years alone. According to recent statistics, 34% of older women are widowed, 16% are divorced, and almost half of all women age 75 and older live alone.2 For married women, the loss of a spouse can mean a significant decrease in retirement income from Social Security or pensions. So what can you do to help ensure you’ll have enough income to last throughout retirement? Here are some tips: • Estimate how much income you’ll need. Use your current expenses as a starting point, but note that your expenses may change by the time you retire. • Find out how much you can expect to receive from Social Security, pension plans, and other sources. What benefits will you receive should you become widowed or divorced? • Set a retirement savings goal that you can work toward, and keep track of your progress. • Save regularly, save as much as you can, and then look for ways to save more — dedicate a portion of every raise, bonus, cash gift, or tax refund to your retirement savings. • Consider how you can help protect yourself and your family from potentially substantial long-term care expenses. By planning ahead, you could help preserve your choices for care and may avoid becoming a burden on your family.
What’s your excuse for not planning for retirement? I’m too busy to plan. Perhaps you’re so wrapped up in balancing your responsibilities that you haven’t given retirement planning much thought. That’s understandable, but if you don’t put retirement planning at the top of your todo list, you risk shortchanging yourself later on. Staying focused on your goal of saving for a comfortable retirement is difficult, but if you put yourself first, it could pay off in the end. My spouse takes care of our finances. Married or not, it’s critical for women to take an active role in planning for retirement. Otherwise, you may be forced to make important financial decisions quickly during a period of crisis. Unfortunately, decisions that are not well thought through often prove costly later. Preparing for retirement with your spouse could help ensure that you’re both provided for, and pave the way to a comfortable retirement. I’ll save more once my children are through college. Many well-intentioned parents put their own retirement savings on hold while they save for their children’s college education. But if you do so, you’re potentially sacrificing your own financial well-being. Your children have many options when it comes to financing college — loans, grants, and scholarships, for example — but there’s no such thing as a retirement loan! Why not set a good example for your children by getting your own finances in order before contributing to their college fund? I don’t know enough about investing. Commit to spending just a few minutes a day learning the basics of investing, to help you become knowledgeable. And remember, you don’t have to do it by yourself — a financial professional will be happy to work with you to set retirement goals and help you choose appropriate investments. •
Columbus Neighbors March 2018
A Life Changing Experience
By Makenna Frenzen I never really understood the true importance of decision-making and how one decision can impact your life for the good or the bad. I have always been told that I need to think everything through before making a decision and I know right from wrong, but do I always choose what is right, of course not, none of us do. I am 15 years old and about two months ago I got into the driver’s seat of my boyfriend’s pickup and we took off to Lake Stop to grab a snack before my basketball game that night. No big deal right? Wrong. I was driving along, laughing and singing, not paying attention like I should have been. I got to the intersection by Lake Stop waiting at the stop sign for other traffic for about forty seconds. I then pulled forward without looking again to make sure it was clear for me to go, I pulled in front of a service truck and my boyfriend’s pickup was totaled. I do not remember being hit or anything at the scene of the accident, but thankfully there were so many people that were there for myself and my boyfriend Kade. I am forever grateful for all of the guardian angels that looked out for us that night and to those who have helped me get to where I am today. By the grace of God, I am doing remarkably well and have grown even more in my faith. The first thing I remember is waking up at the hospital here in Columbus extremely confused. I had a broken sternum, bleeding on my brain, bruised legs, sore hips, and both my left hand and the left side of face had to be stitched up due to the cuts made by glass. Soon after I woke up at the hospital, I took off for UNMC in an ambulance.
I stayed in Omaha for two nights, which I do not remember very well because I slept through most of my time there. My boyfriend, Kade had a bad concussion and a bloodshot eye. The situation started to take an emotional toll on me a few days after I was home, I started to think through all that had happened and I felt terrible for my family and friends because of how much I had worried them. I was also mad at myself for all the trouble I had caused. Thankfully I have so many friends and family to help me through this terrible time. My friends and family helped me realize so many important things that I never truly understood until I went through such a life changing experience. Through all of this I have became close to someone who has helped me so much. She constantly reminds me that everything is going to be okay and that I am still here because I have so many wonderful things coming because my story is only beginning. She told me it is important to cherish every moment and continue to live to my highest potential. My favorite piece of advice she gave me is to grow through what you go through. I think we should all keep that in mind because no matter what our situation is we can learn from it and better ourselves because of it. I believe that everything happens for a reason, and I think that going through such a horrible experience has made me a stronger person. I think I am going to be a better person because of all of this, I feel this changed me for the better. Everything I have been through helped me realize who truly cares about me and the type of people I want to spend all my time around from now on. This experience has also helped me appreciate the importance of life, and has shown me first hand that you can never take anything for granted. •
It's Spring... By Andrea Kuhl
Yes…it’s that time of year again. The drab days of winter are drawing to a close and it’s time to get the spring-cleaning done before the days warm up and we are too busy with summer fun to care about the dust bunnies dwelling beneath the refrigerator. I know, I know…blah. But once you tackle the chores, it’ll make so many things run more efficiently in your home and leave you time to enjoy the summer fun. Let’s get started in the kitchen, shall we? It’s agonizing, I know, but pull out your fridge and clean behind it, under it and on top. You will be amazed at how much is living back there and at how much more efficiently it runs. It’s also time to wipe it out completely and throw away the expired food. Clean your oven and stovetop thoroughly, as well as the microwave and dishwasher. A neat trick to cleaning your dishwasher is to place a bowl of vinegar in the top rack and run machine at its hottest setting. When it is finished, sprinkle baking soda around the bottom of the tub and run it again on a short cycle. These steps will loosen the grime, sanitize, and remove odors and stains. Wipe down your cabinets, handles and pulls, inside of drawers and cupboard shelving. It’s important to clean your drain and disposal as well, as odors can creep up from the deep abyss. Lastly, wipe down your table and chairs, including the bases and legs. It’s time to tackle the bathrooms. It makes me squirm to even think about, but it must be done. Wipe down the walls. Yes, really. Scrub down every nook and cranny of the toilet. Deep clean the sink drains and the tub/shower drains. Do a thorough scrub down of the shower, scouring the tile grout if you have it. Scrub the tub vigorously. If you have jets in your tub, it’s time to clean those out too. Wash your shower curtain and replace your liner and be sure to wipe down any cabinetry, door pulls and mirrors. While tackling your bathroom, take a few extra minutes and go through the drawers and cabinets. Throw out the old makeup and unused bottles of lotion and perfume. Clean out the old shampoo bottles in the shower as well. Go through the medicine cabinet and remove all expired medications, both prescription and over-the-counter. Contact your favorite Columbus pharmacy to find out how to safely dispose of the medications. The rest of the house requires less in the way of heebie-jeebie grossness, but it is still important to tackle. Sweep, mop/steam all hard surfaces and vacuum your carpeted areas. Consider having
your carpets professionally cleaned by some great local professionals here in Columbus. Wash all the bedding on each bed, including the mattress pads and pillows. Dust under everything, including the TV’s, which likes to hide dust bunnies in abundance. Be sure to wipe down your ceiling fans before the warm weather hits and those blades start spinning and throwing dust balls all over the place. My favorite trick is to use an old pillowcase and put the blade inside and gently pull it off, trapping all the dust inside the pillowcase. Get down and wash those baseboards. They need a good wipe down at least once a year. Wipe down all the doors and door handles in your house. Clean behind and under your washer and dryer too, as well as the lint trap. Wash the windows so when the sun starts to shine a little more regularly you can enjoy it. Don’t forget about the heat vents. Pull off the covers and vacuum out the goldfish living down there. Wipe the clean-air returns as well. Wipe down all the light fixtures throughout the house and replace any burned out bulbs. If you didn’t replace the batteries in your smoke detectors at daylight savings time, do it now. Don’t forget to replace your furnace filter as well! Don’t forget to go through the garage. Debug the light fixtures and around any windows. Declutter and organize your storage to maximize space. Clean off the workbench and organize the toolbox. It is also a great time to tune up your lawn equipment so that it’s ready to roll when the snow finally melts. Get the power washer ready to go as well so that they exterior of your home can have a thorough bath as the weather improves. Finally, and probably most importantly, you need to declutter. We all do. Sort through your closets, storage boxes, bookshelves, toy bins and the box of stuff your mom dropped off five years ago. It’s hard to let go of things, but there is a sense of lightness that comes with decluttering. If you don’t love it, don’t keep it. If it’s broken, toss it. If you aren’t wearing it, let it go to someone who will. One of my favorite tips is to turn all your hangers backwards and set a time limit. When you wash clothes and rehang things, hang them up the correct way. It’ll be a great way to tell what you have worn and what you haven’t in your preset time frame. If you aren’t wearing it, let it go. Have a garage sale and earn some money to treat yourself to something you really love. Now that we are all thoroughly exhausted just reading through all the things that we all really need to do, take a break and make a plan. Maybe you’re a weekend warrior that just wants to knock it all out in a weekend. Maybe you prefer breaking it down, room by room. Whatever your style, go! Get spring-cleaning off your To-Do list so you can get out and enjoy summer when it finally arrives! •
Columbus Neighbors March 2018
Calendar of events
Why Essential Oils? By Courtney Wright, Independent Young Living Distributor
Columbus Friends of Music “Scarborough Fair”
Columbus Youth Activities Signup and Information Day
Easter Egg Hunt
@Nantkes Performing Arts Center The performance will begin at 7:30pm. For tickets, please call 402-270-2255
@ Ag Park 9:00am-11:00am March 22
St. Isidore School 20th Annual Shrimp Peel
@ Scotus Central Catholic High School Cafeteria Don’t miss out on all-you-can-eat Shrimp, homemade potato soup, salads and desserts! Bring your own beverages and enjoy a fun night out with friends, raising money to help fund the new playground at St. Isidore Elementary School. You must by 21 years old to attend. Tickets are $20 per person and table reservations are available. You may purchase tickets from the St. Isidore School Office, after Masses on the weekends, or in the church rectory. This fun night is for the entire community!
Columbus Friends of Music “Hot Club of Cowtown”
@ Columbus High School Concert Hall The Concert begins at 7:30. Please call 402270-2255 for more event information and tickets. March 22-25
Platte Valley Playhouse Presents “Out of Order” @ CCC-Columbus Campus Theater Come out and support our local talent in their new play! Showtimes are Thursday through Saturday at 8:00pm and Sunday at 2:00pm. Call 402-564-STAR for ticket information.
@Frankfort Square. The two year olds will start their hunt at 12:30 pm, and the 3, 4, and 5 year olds will start at 1 pm. It’s always lots of fun and excitement for everyone. The Easter Bunny will be there for photo opportunities, and lots of prizes will be won. Some lucky winners will find tickets for large plush bunnies in their eggs. April 14th
Scotus Central Catholic High School Annual Gala
@ Scotus Don’t miss this fun night! Doors open at 4:45 pm for the silent auction, followed by a fabulous dinner, super silent auction and the always entertaining Grand Auction! Contact John Schueth at 402-564-7165 for ticket information.
Love the way the fragrance from a fresh orange peel brightens your day or fresh baked cinnamon rolls reminds you of your grandmother’s house? Each essential oil’s complex, pleasant, and unique scent triggers emotions and memories, which can help in your search for a more fulfilling and balanced life. What is an Essential Oil? Essential oils are made from flowers, herbs, and tree parts, like bark, roots, fruit peels, and petals. They are the most important part of the plant and the cells that give a plant its fragrant smell are its “essence.” When an essence is extracted from a plant, it becomes an essential oil. It takes a lot of plant product to make essential oils. In fact, more than 200 pounds of lavender flowers are used to make just 1 pound of lavender essential oil, 72 lemons are cold-pressed to produce 15 ml of lemon oil and 22 pounds of rose petals are distilled for 5 ml of essential oil. The pure constituents in these oils stimulate olfactory receptors and activate regions in the brain’s limbic system associated with memory, emotion, and state of mind. The oils provide support for EVERY system in the body: your skeletal, muscular, circulatory, endocrine, hormone, respiratory and immune systems. They support brain health, healthy emotions and hormones. To enhance your wellness, dilute as needed and apply empowering essential oils directly to wrists, feet, back of neck and temples. Oils in diffusers can also be very uplifting or calming depending on the oils you use. True essential oils aren’t blended with other synthetics, chemicals or fragrances and they do not expire. They’re made using a specific process that doesn’t change the chemistry of the plant. Extracted
through careful steam distillation, resin tapping, and cold pressing, the purest essential oils are far more powerful than the botanicals from which they come. You can access the power of essential oils many ways, but the most common practices include aromatic diffusion, topical application, and dietary consumption. To help you rediscover peace, balance, and joy use these essential oils and blends for diffusion, soothing baths, massage, inhalation or topical application. Harsh chemical formulas aren’t your only option when it comes to cleaning your home. Enjoy peace of mind without compromise when you polish countertops, wash sticky hands, and clean laundry with the safe and effective power of essential oils and a Thieves® line of products. Put your mind at ease while cleaning around kiddos or pets as essential oil cleaning products are 100% safe for everyone in your household. The average person puts three hundred chemicals on their bodies per day. Using essential oils is a life choice to cut toxins out of your home, improving your wellness and overall health. Purge unsafe ingredients from your personal care products and rediscover your natural glow. An ancient beauty secret, essential oils help promote a clear-looking complexion, soften the appearance of signs of aging, and nurture healthy-looking hair. Using naturally derived ingredients, these advanced skin and hair care solutions make it easy to enjoy the beautiful benefits of essential oils every day. Try it for yourself and see why people are turning to these 100% plant based oils before going to their medicine cabinet and applying anything over the counter. I know I wouldn’t trust anything less for my kids! If there head hurts or tummy hurts or they need some respiratory support for instance they ask for the oils! My seven year old asks for the Thieves Cleaner to clean the windows and I don’t have to worry about him getting toxic chemicals on himself from this natural cleaner! Priceless! •
VISIT OUR NEW LOCATION AT THE VILLAGE CENTER MALL 2455 1st Ave., Suite 103, Columbus 402.564.7529
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Columbus Neighbors March 2018
How your Credit Score can
Affect Buying a Home By Don Dreeson So you want to purchase a home but are not sure where to begin? It is important to first consider your credit score. Your credit score plays a very important role in determining whether or not you will qualify for a loan, and can also affect the type of loans and rates that are available to you. Credit scores range from 300 and 850. There are three bureaus reporting and they each have scoring criteria. The middle score is used, or the lowest score if you don’t have all three scores reporting. There are several things that will affect your credit score. Have you been paying your credit card bills on time? Being late thirty days or more hits hard on a credit score, especially if that occurred recently or several times. If you have had collections, or a bankruptcy filed, these can greatly affect your credit score. The more recent these derogatory occurrences have happened, the more your score is affected. Getting the collections satisfied and reestablishing a good payment history over time will improve your score.
It is wise not to over extend on credit cards as that will lower your score, especially if you have several cards that have balances which are greater than fifty percent of the credit line. The scores will be higher if you pay off the credit card balances each month. When you first open a credit card or get a new installment loan, your score may temporarily go down until your repayment develops a good history on the new account. Try not to open too many credit cards at the same time as it can appear you are about to have a spending spree. But, as time passes, the score will improve once your history on the accounts documents that you have used the accounts responsibly. If you do not have a credit score at all, some mortgage loans will allow non-traditional credit history. This can be documented by providing you have paid your rent, utilities and other accounts on time for the last year. Overall though, you should work on developing traditional credit as soon as possible. Each individual is annually allowed on free credit report for each of the three credit reporting agencies by going to www. annualcreditreport.com. It is not unusual to find errors on your report. If you do find errors, you will want to follow the instructions to report the mistake, then follow up to assure the error is corrected. It can take several months before the error is corrected. During this time, some lenders may not be able to offer you a new loan because there is a discrepancy being investigated. If you have credit problems, it is usually best to wait several months after you have cleaned up the problem before you apply for a loan. Some buyers will watch their credit scores by using a service, i.e., Credit Karma. This is a helpful tool when you are working towards raising your credit score, as you wouldn’t want a bank to be checking your score since too many inquiries in a short period of time will lower your credit score. Be cautious with using a credit management company. They advertise that they will pay off your loans and get you back on track to raise your credit score. Using a credit management company is a sign that you have been in trouble financially and there may need to be a period of time before your repayment pattern establishes a good repayment history. In summation, your credit is very important when purchasing a home so handle your financial affairs wisely and keep that score high! •
Columbus Neighbors March 2018