Inside Columbia's Prime February 2014 by Inside Columbia's Prime

February 2014

Special Section: Wealth Management Page 32

Starting Up Beekeeping Page 44

Bill & Debbie

Penkethman Pa r t n e r s I n L o v e & B u s i n e s s

Prime Magazine

February 2014

Contents

Volume 5, Issue 11

6 Prime Numbers

Facts To Celebrate Chocolate

8 Tasting Room

Port Of Call

10 On The Road With Ray

Digging Up History In Jamestown

Suited For Service

Bill And Debbie Penkethman Partner In Business, Ministry And Life

How-To Guides

How To Choose A Monument How To Choose An Attorney How To Choose A Tax Professional How To Choose A Kitchen Or Bath Design

25 Prime Time

Canâ&#x20AC;&#x2122;t Miss Events For February

28 How Can I Help

All Signs Point North

30 Pet Corner

Doc Went A-Courting

Wealth Management

Figuring Out Financial Fees Safe Mobile Banking Avoiding Scams

Fun & Games

40 Recipe Box

Perfect Cupcakes For Valentines

42 Prime Pages

Review Of The Rose Garden

44 Your Bucket List

Bee Happy

46 Columbia Confidential

Publisher Fred Parry Takes On The Issues Columbians Are Talking About Prime Magazine February 2014

Welcome

Love Is ... Here’s a question for Valentine’s Day: What’s the most romantic thing you’ve seen or heard about lately? I have a submission from our featured couple this month, Bill and Debbie Penkethman. Married 35 years, the Penkethmans begin each morning with multiple cups of coffee together. I know that simple ritual doesn’t sound exceptionally romantic, but consider this: Bill and Debbie Penkethman work together, so it’s not like they need the morning coffee time to see each other. Most of their time is spent together already. But the Penkethmans get up early for coffee because it’s a time set aside for them to focus on each other. That’s what I find romantic about their morning routine. It’s nothing extravagant, nothing glamorous. But it’s a time for a husband and wife to be attentive to each other, and what is romance if not being attentive? Being attentive doesn’t require a lot of fuss, but I’ll admit, even I might long for a little more glamour than what Dr. John Williams describes in his Pet Corner column this month. Our retired veterinarian confesses that back as a poor student, he wasn’t exactly the most charming of suitors. But somehow, he still got the girl. As much as I like such stories of romance, this issue isn’t only about Cupid’s activities. We also have an intriguing look at the archaeological discovery of Jamestown, Va. — America’s first permanent English settlement; a profile of the not-for-profit True North; and a Your Bucket List story on the exploits of a beginning beekeeper — along with the calendar, games, wine review and book review found in every issue of Prime. Every month, we hope to woo you with interesting, inspiring stories. Is there something you’d love to see us cover? Please write me at anita@insidecolumbia.net.

staff Publisher Fred Parry Associate Publisher Melody Garnett Parry Editor-in-Chief Sandy Selby Managing Editor Anita Neal Harrison Editorial Assistant Morgan McCarty Creative Director Carolyn Preul Director of Marketing Kevin Magee Graphic Designer Kate Moore Trever Griswold Photo Editor L.G. Patterson Sales Manager Deb Valvo Marketing Representatives Rosemarie Peck Joe Schmitter Jamill Teter Sales Assistants Jessica Card Kalie Clennin Office Manager Kent Hudelson Assistant Finance Manager Brenda Brooks Distribution Manager John Lapsley Director of Customer Retention Gerri Shelton

Want more of our insider view of Columbia? Sign up for the new Prime Club e-newsletter at www.insidecolumbia.net/prime.

Contributing Writers Kathy Casteel, Ray Speckman, John Williams

Prime Magazine is published by OutFront Communications, 47 E. Broadway, Columbia, MO 65203, 573-442-1430. Copyright OutFront Communications, 2013. The magazine is published 12 times a year on the first day of every month. All rights reserved. Reproduction or use of any editorial or graphic content without the express written permission of the publisher is prohibited.

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February 2014 Prime Magazine

Serving the boomer & senior markets

Prime Magazine February 2014

Prime Numbers: Statistics You Don’t Have To Be A Math Geek To Love

What’s In Your Chocolate? The FDA has “Standards of Identity” that regulate the composition of chocolate. The labels “unsweetened,” “bittersweet/semi sweet,” “sweet,” “milk” and “white” all have legal definitions that govern the chocolate’s minimum amount of cocoa bean content:

Unsweetened Chocolate

— made 100% from ground roasted cocoa “nibs,” the center of the bean; also called chocolate liquor.

Bittersweet Or Semi Sweet Chocolate

— at least 35% chocolate liquor and no more than 12% milk solids.

Sweet Chocolate

— at least 15% unsweetened chocolate and less than 12% milk solids.

Milk Chocolate

— at least 10% chocolate liquor, at least 3.39% milk fat and a minimum of 12% milk solids.

White Chocolate

— at least 20% cocoa butter, at least 3.5% milk fat, at least 14% milk solids and no more than 55% sweeteners.

Note, “dark” is not its own legally defined category. A piece of dark chocolate usually fits in either the “bittersweet/semi sweet” category or the “sweet” category.

Source: www.ghirardelli.com 6

February 2014 Prime Magazine

The Tasting Room

Port Of Call Portugal’s Iconic Wine Is An Elegant Way To Top Off An Evening

By Kathy Casteel

February is a month for sweethearts and sweets. An elegant way to top off that Valentine’s Day dessert is with Ferreira Vintage Port. Port, or Vinho do Porto, is the signature wine of Portugal, produced exclusively from grapes grown and processed in the Douro Valley. Typically a sweet, red wine, port is also produced in dry, semidry and white styles. More than 100 varieties of grapes may be used in port production; the five most common are Tinta Barroca, Tinta Cão, Tinta Roriz (Tempranillo), Touriga Francesa and Touriga Nacional. During the fermentation process, vintners add a brandylike grape spirit called aguardente, which halts fermentation and leaves residual sugar in the wine. The fortification also boosts the alcoholic level of the wine. The wine became known as “port” in the late 17th century as most of the product shipped out from the seaport city of Porto at the mouth of the Douro River. When war with France threatened England’s supply of wines in 1703, merchants began importing Portuguese port at a low duty. The fortified wine was less likely to spoil during the long sea voyage, and the sweet wine appealed to British palates, making it very popular. Ferreira Vintage Port is a blend of Touriga Franca and Touriga Nacional grapes, with additions of Tinta Roriz and Sousão. This deep crimson, almost

opaque, port carries an intense floral bouquet of roses and heather with hints of cedar and oak. It has a spicy red fruit taste with peppery notes and a mineral undertone. Balanced acidity and robust tannins give it a long, satisfying finish. Pair with dried fruits, rich cheeses or dark chocolate. Decant before serving. The wine scored a 97 from Wine Enthusiast and is included in the magazine’s top 100 wines of 2013. Ferreira ports are available in Columbia through A. Bommarito. Inquire at your favorite local wine shop. v How To Serve Port 1. Before serving, stand the bottle upright for at least 24 hours for younger ports and up to one week for vintage ports. This allows the sediment to settle at the bottom of the bottle. 2. Uncork the bottle carefully with a wine key. Take care with older bottles, as aged corks can dry out and break. 3. Decant the port. Pour slowly into the decanter and stop when you see sediment entering the neck of the bottle. A funnel works well. 4. Rest the decanted port until it achieves a temperature of between 70 to 80 degrees. 5. Serve port by filling each glass half full.

Only wine produced in the Douro Valley of northern Portugal may be called “port.” Similar sweet, fortified wines produced elsewhere must be labeled “port-style.” 8

February 2014 Prime Magazine

Prime Magazine February 2014

On The Road With Ray

Digging Up History In Jamestown Spend A Little Time In The 1600s By ray speckman

I met Bill Kelso in 1998. He was in a 10-foot-square hole in the ground about 30 feet from the James River in Virginia. He was sifting dirt a spoonful at a time. The place was Jamestown, Va., the first permanent English settlement in America. There were maybe another dozen or so people in square holes, also sifting dirt, a speck at a time. As careful as surgeons, they were. They were rediscovering America’s birthplace. Bill, like a lot of his mostly volunteer helpers, was scraping milliliters of dirt at a time and then sifting them, usually finding nothing but always hoping. Bill had come to Jamestown in 1994. He was a Ph.D. with a penchant for discovery. He had served as head archeologist for Monticello, the home of Thomas

February 2014 Prime Magazine

Jefferson, before arriving in Jamestown, where he became a staff of one searching for the roots of our civilization. He did this despite popular claims that the site of the original 1607 fort on that James River island had long since been washed away by the river. But by 1998, he and his helpers had found thousands of artifacts from the era of the fort’s establishment, when the likes of John Smith roamed about. The first conclusive evidence was found in 1996 by Bill, who received funds for his project from the Association for the Preservation of Virginia Antiquities, now Preservation Virginia. Over the years I have returned several times to revisit the roots of our beginning. The boundaries of the original fort and other buildings have been found and authenticated. The church, rebuilt in

1639 after a fire and once thought to have narrowly escaped the erosion believed to have wiped out the rest of the settlement’s remains, brings goose bumps as I walk through the original bell tower into the sanctuary. Plexiglas covers along the floor let visitors see the original rocks for the church foundation. I gaze down and cannot help but remember history lessons where I learned that in the church, on these stone foundations, the first democratic assembly and election of leaders in America occurred. I gaze into the past at the fort as it slowly and surely is reconstructed on the very footprint of that first fort built by the men dispatched by England on a business venture to exploit the treasures in the new world. I see the statue of John Smith, a renegade according to some but certainly a true pioneer of the first ilk, and I am amazed that its placement in 1909 turned out to be in the very area where the footprints of the original fort were later discovered. There is a museum at that site now, the Nathalie P. and Alan M. Voorhees Archaearium. It is built over the remains of the original Virginia Statehouse (16601698), used before the capital of Virginia was moved to Richmond. Every time I revisit the original Jamestown, I wonder just what would have occurred had Spain first settled in America. There would be no United States. What would this abundant land have become? I wonder what would have occurred had John Rolfe not arrived in Jamestown

in 1610 on a ship that had been rebuilt in Bermuda after a storm interrupted his mission to deliver settlers, food and supplies to Jamestown. When Rolfe and 142 others arrived at the fort they found only 60 of the original 500 settlers remaining. Rolfe was a tobacco farmer and trader and came to America with the aim of establishing a tobacco industry. While in Bermuda Rolfe’s wife and child had died. Four years after arriving in Jamestown, he married Pocahontas, daughter of Native American Chief Powhatan. While only a part of the series of events that led to the English settlement in the new world, this marriage was significant. The statute of Pocahontas is there today. It is remarkable to see the discovery as it has evolved since my first visit 15 plus years ago. Skeletal remains have been found, some identified and some only dubbed with dubious names, JR (and “Who Shot JR,” who died of a gunshot wound to his knee) and another, Jane, a female. It is gruesome yet captivating to stand and look at those skeletons and wonder over the “rest of the story,” as archeologists have determined but a small history of the remains. Bill Kelso is still there. So are dozens of other professionals, volunteers and staff. Bill has seen Jamestown visited by the Queen of England, and in turn she has conferred high honors of Great Britain to Bill. From a staff of one, stubborn and intuitive Bill has given us a true footprint of America. v Ray Speckman can be found re-reading Bill Kelso’s book, Jamestown Rediscovery: 19942004, or at rayspeckman@emmesannex.com Prime Magazine February 2014

February 2014 Prime Magazine

Suited

For

S E RV I C E Bill And Debbie Penkethman Partner In Business, Ministry And Life

Bill and Debbie Penkethman have been married 35 years.

Any couple married that long has shared a lot, and Bill and

Debbie have shared even more than most. That’s because in

addition to being marriage partners, the two of them are business partners, working together at their custom clothing business,

Suit Yourself, for the last 23 years. Bill is the “creative genius,” marketing manager and sales manager, while Debbie handles client contact and managing the books.

“We work together pretty much 24/7,” Debbie says.

“A lot of couples just don’t understand it, but for us, we love it.”

By Anita Neal Harrison • • • Photos By L.G. Patterson

Prime Magazine February 2014

>>> Bill And Debbie’s working relationship actually goes back further than their romantic relationship. The two of them met when Bill was working out of New York as a sales and marketing manager for a band uniform company and Debbie was a representative for the same company in Tennessee and Kentucky. “I went down to train her and kept going back and eventually, asked her to marry me,” Bill says. Three years after their wedding, Bill and Debbie moved from the East Coast to the small north Missouri town of Brookfield, where Bill served as vice president of sales and marketing for another band uniform manufacturer. For two people who grew up in large cities — Debbie in Memphis and Bill in the suburbs of New York City — Brookfield was a new adventure. “It was a big change going from the East Coast, high cost of living, jam-packed with people to renting a farmhouse in the middle of a pig farm in Brookfield, Mo.,” Debbie says with a laugh. “We bought a dog and a pickup truck and a pair of boots, and it was a nice change,” Bill says. But neither ever saw themselves settling down on a farm for good. In 1990, Bill received an offer to work for a different band uniform company in Fulton, and he and Debbie were both glad to move to Columbia. Then, about a year after their move, the Fulton business closed. “Bill said, ‘Let’s figure out something we can do to stay here,’ because we really loved Columbia,” Debbie says. Their solution was Suit Yourself. In his sales work, Bill had acquired an appreciation for sharp dressing, and he had contacts among fabric suppliers, tailors and others in the clothing industry. He and Debbie decided they would like to have a men’s retail business — but without retail hours, inventory or receivables. “So it made perfect sense to make it all custom, by appointment,” Bill says. Although Bill and Debbie had experienced working together, starting a business together was different. Debbie 14

February 2014 Prime Magazine

Some 20 years later, Bill and Debbie continue to have that morning coffee together. Usually, the two of them have at least three cups, which takes a good 45 minutes.

recalls being so stressed at the beginning that she had trouble sleeping. She got in the habit of getting up and working, and then when Bill woke up, she’d have a list of questions to fire at him. “Finally, one day, he said: ‘Whoa, whoa, whoa. We’re going to have to change this. Let’s have coffee first,’ ” Debbie says. “And I thought: ‘Oh, OK. That’s a good idea.’ ” Some 20 years later, Bill and Debbie continue to have that morning coffee together. Usually, the two of them have at least three cups, which takes a good 45 minutes. They talk about family, upcoming plans, friends, whatever — just not business. Both Bill and Debbie are committed to this relationship ritual and get up as early as is necessary to make it happen, even when that means waking up at 3:30 a.m. Why so early? It’s not the suit business that demands it. Bill and Debbie also partner together in a different work: Christian ministry. Christianity has been a central force in Bill and Debbie’s relationship since Bill became a Christian in 1979. Debbie had grown up attending church but had easily given it up when she started dating Bill. He wasn’t interested, and she didn’t really care if she went or not. Then he became a Christian, and Debbie saw faith making a real difference in his life. “He was already a great person — I mean, I married him because I loved him

— but when he got saved, instantly, his language cleaned up, and it wasn’t even an effort,” she explains. Other changes she saw included Bill losing his desire to drink — which he had done more than he liked — and he started wanting to go to church. He also spent time reading the Bible. “That was something I had heard him mock, and suddenly he was reading it,” Debbie recalls. “I just looked at him and said, ‘So you believe everything that’s in there now?’ and he said, ‘Absolutely,’ and I was just stunned.” Three months later at a Bible study at a friend’s home, Debbie also decided to follow Jesus. From that time forward, Bill and Debbie made Christian service an important part of their marriage. But about 15 years ago, Bill met a man, Larry Glabe, who began showing him the importance of not just working for God but also growing spiritually to become more like Jesus. Through Glabe, Bill discovered the difference a Christian mentor could make in encouraging and leading a Christian toward spiritual maturity, which Bill came to believe should result in a desire to share the message of salvation in Jesus Christ with others. Bill was more excited to be a Christian than he had ever been, and his excitement was catching. Debbie saw the difference in Bill — his newfound peace and satisfaction — and in 2007, she encouraged him to go on staff with

The Navigators, a Christian ministry focused on discipleship — or on mentoring Christians into a deeper relationship with Jesus Christ. It was no small decision. Bill’s joining the ministry would mean cutting back on Suit Yourself, and to make up for that lost income, Debbie would need to find an outside job. She did within just a couple of days of beginning to search, an administrative assistant position at a law firm. Bill started off leading small groups of four or so men. After the first two years, Bill had enough to do between Suit Yourself and his ministry for Debbie to quit her outside job and go back to working with him. Now along with her support role at Suit Yourself, she also helps Bill manage his ministry. Today, most of his ministry is to large groups of men, mostly through a ministry at The Crossing church called Men of IMPACT: Intentional Men Pursuing a Christlike Transformation. The ministry takes men through a course that equips them to change their lives, and the lives of other men, through truths found in the Bible. Bill leads groups at The Crossing, in Mexico, Mo., and at Algoa Correctional Center in Jefferson City, as well as overseeing ministry leaders in Guatemala. Some of Bill’s meetings with men take place early in the morning, with him leaving the house before 5. Those are the mornings when coffee might be at 3:30 a.m. “We don’t miss,” Debbie says. Between Suit Yourself and Bill’s ministry, Bill and Debbie stay busy. They used to take trips to islands and Mexico but haven’t done much of that for a while now. And both are OK with the lack of vacations because everyday life is so enjoyable. “I’m just enjoying the fact that after 35 years of marriage, I love him more than the day we were married,” Debbie says, “and I’m just so grateful that we love one another, that we have our health, that God has allowed us to work together and to live in Columbia, and there’s just a real sense of peace and contentment.” “I would say this point in my life is more rewarding and more significant than it’s ever been,” Bill adds. “I really love what I’m doing, both in ministry and suits. These are good times for us.” v

Bill and Debbie made Christian service an important part of their marriage.

Prime Magazine February 2014

PROMOTION

How To Choose A Monument Service When choosing a monument company to work with, customer service should be a top consideration. Look for a company that has been in business for several years. They are more likely to have an impeccable track record with customers. Expect to be treated with patience and respect. Don’t put up with high-pressured sales tactics. You are not in the market for a used car; you are buying a headstone.

When a loved one dies, families can honor their memory with a monument for the gravesite. Most people have little experience in buying a monument. It can be intimidating regardless of whether you are honoring a loved one or choosing a headstone as part of your own pre-planning. Choosing the right headstone can be made easier by finding the right company to help you through the process. A reputable company will keep your needs and budget in mind while explaining your options in a careful, sensitive manner. Selection When selecting a monument you will want to find a company that provides a wide selection of stones and styles. Most monument companies display headstones on-site to make your choice easier. Being able to see and compare headstones makes the selection process less difficult than trying to choose from a catalog. Granite is, by far, the most popular type of monument stone. Known for its beauty and durability, granite comes in different colors and textures. No two pieces of granite are alike.

Headstones come in a variety of finishes. Some monument companies will offer to show you physical examples of different polishing, sandblasting and carving styles while others use computer software. If you are a hands-on person, finding a company that can provide examples is a better option. Even if you are working within a specific budget, look at headstones in a variety of price points. This will give you a better idea of what your money will buy and allow you to compare the differences. Knowledge The most reputable monument companies employ a staff with extensive knowledge about the stones and styles that they offer. The headstone you choose will be forever exposed to the elements. Knowing the details of the stone, its carving and decorations will help you understand the durability of the monument you choose. Specifically ask about the durability of the natural stones offered and the depth of the lettering. Lettering that is not rendered deep enough will quickly wear away, leaving the headstone undecipherable.

Customization While traditional headstones are fine for many, you may want something more unique. Monuments can be customized to reflect the personality and interests of the person they are honoring. Look for a company that offers a variety of designs and layouts if you are after a headstone that has custom detail. The headstone you choose can honor religious beliefs, clubs, honors or careers. Adding these elements will make the headstone you choose truly individual. If you have seen something on a headstone that you would like incorporated into the one you are choosing, simply ask. Most monument companies will be able to cater to your request or tell you who can provide it. Other Services Monument companies don’t just offer headstones. Many companies can design stones for decorating landscapes or provide memorials for a variety of sites. If you have a stone that is in need of sandblasting or engraving, chances are a good monument company will be able to provide the service. When choosing a monument company, remember that you are honoring a legacy for the ages. The stone monument you choose will leave a beautiful, lasting impression for generations. v

This “How To” section appears each month in Inside Columbia’s Prime. Readers learn how to find and choose various products and services. 16

February 2014 Prime Magazine

Prime Magazine February 2014

PROMOTION

How To Choose An Attorney a great record will readily provide the information.

The right attorney can make the difference in winning or losing a case. With a bit of knowledge, you can find an attorney who is ready to advocate strongly for you. There are some important factors to consider when choosing a lawyer: Affordability Hire the best lawyer you can afford. Do not settle for inexpensive representation, simply because he or she is cheaper than the average attorney. Quality should always come first in this situation. Relevant Issues Determine what legal issues you are facing. For instance, if you have been arrested while driving under the influence, you should get a criminal lawyer who specializes in traffic law. If you are dealing with a simple matter of a real estate transaction, you’ll want to hire a real estate lawyer.

February 2014 Prime Magazine

Because there are so many lawyers specializing in a wide variety of legal issues, deciding the type of lawyer you need is of utmost importance before you pay anyone a retainer. References Finding a great attorney can often be as simple as asking for references from past clients. If you are in the midst of a divorce, ask others who are divorced which attorney they used. People are usually happy to share their opinions, good and bad. Never hire an attorney who has been disbarred in any state. Case History Several online sites can help you determine an attorney’s success rate. You can also look to see if an attorney you are considering has a good settlement rate. You may also ask attorneys directly about their case histories. A lawyer with

Online Ratings Other websites provide ratings for attorneys. These sites are often the easiest places to find client reviews. Take both positive and negative reviews for what they are worth — not every reviewer is a dependable source of information. Comments about the lawyer’s availability, personality and results should all be taken into consideration. After all, your attorney should be in your corner. You don’t want to struggle to get in contact with him. Keep in mind, sometimes gruff lawyers are the best ones. While no attorney should treat clients rudely, you are paying for their services. A personable lawyer is great to have, but if they’ve lost more cases than they have won, choose another. Consultation Many attorneys offer free consultations. Take advantage of them. This meeting gives you the opportunity to discover if the lawyer is a good match for your needs. If you feel any discomfort during your meeting, do not hire the attorney. If your first consultant is not free, look elsewhere. Finding an attorney can be a frightening experience. You may feel stressed and uncertain. Hiring an attorney you feel you can trust will go a long way toward resolving your situation successfully. Don’t be shy when you meet an attorney for the first time. Ask questions and expect forthright answers. If you aren’t satisfied, find someone else. You do not want to settle in this search. v

Prime Magazine February 2014

PROMOTION

How To Choose A Tax Professional

Tax codes are becoming more complex every year. Instead of attempting to figure it all out alone, consider recruiting help from a professional tax preparation service. Choose your tax preparer wisely. Employing a tax preparer can save you a lot of time, but selecting a good one requires some detective work. The IRS is the first to urge caution when choosing a tax professional. Using a tax preparation service does not absolve you of responsibility for your tax return. Most professional tax preparers are honest and reliable, providing excellent services to their clients. Unfortunately, there are those who are less than scrupulous, causing their clients legal and financial difficulties. As of 2011, the IRS requires anyone who is paid to prepare taxes for others to register with them each year and enter their Preparer Tax Identification Number on each return they prepare. The Treasury Department authorizes only attorneys, CPAs and enrolled agents — tax practitioners who prepare tax records and may act

February 2014 Prime Magazine

as the taxpayer’s representative before the IRS — to aid taxpayers at all levels of an audit. When conducting your search for a tax preparer, find out if they are able to represent you if you are audited by the IRS. This is also a good time to inquire about your preparer’s audit rate. Make certain the person you’re hiring specializes in tax preparation. Even a certified public accountant might not be a tax specialist. Hiring a CPA offers no guarantee that the IRS will not serve you an audit notification. The federal tax code grows in complexity every year, making it hard for even tax professionals to stay current with the most recent changes. A CPA specializing in taxation should have documentation of any continuing education classes completed in the past year. Verify your preparer’s credentials or those of the firm he or she works for. You can contact your state’s board of accountancy or your state bar association’s tax lawyers to inquire into the preparer’s professional record.

A legitimate and reputable professional tax preparer should have: • An affiliation with an organization requiring continuing education. • A fee schedule based on the complexity of your return. • A willingness to answer all of your questions. • Availability extending beyond the preparation and filing of your tax return. • Familiarity with the tax laws of each state in which you file a return. • Familiarity with any special circumstances that may apply to you. • A willingness to include an itemized list of any judgment calls it has made and attach it to your copy of the return. • A willingness to provide an inperson review of any expected refunds with the preparer. Warning signs of a disreputable tax preparer may include: • Claims that they can obtain larger refunds than their competitors. • Guarantees of a refund up front. • A request for your signature on a blank tax form. • An unwillingness to sign a return, known as “ghost” preparation. You need to discuss your financial situation thoroughly with your tax preparation professional because your financial and legal status is at stake. Hire only the one who best meets your needs and who has a proven track record of competence, a sterling reputation and an attitude of respect toward clients. Preparers should be ready to stand behind their work and beside you if you ever need to appear for an audit. v

Prime Magazine February 2014

PROMOTION

How To Choose A Kitchen Or Bath Design

When it is time to remodel your kitchen or bathroom, consider three key factors: function, style and budget. The design should work well, look great and be within your budget. You may be able to do some of the work yourself, but you’ll likely have to hire a professional for help. Function First, determine the function of the room. Some people love to eat in their kitchens, while others have a separate dining area. Some people love to get dressed in their bathroom, while others choose to do this in their bedrooms. Make a list of all the things you currently do in the kitchen or bath. Number this list from most important to least important. Now make a list of the items you need in your bathroom or kitchen. Do you need the washing machine and dryer near your kitchen? How about a closet in your bathroom? Finally, make a floor plan. Consider where everything should go to allow you

February 2014 Prime Magazine

to take the fewest steps between them. After a hard day at work, you will be glad you thought ahead. Also consider whether you enjoy entertaining in your kitchen. If you do, make sure to include this function in your floor plan. Consider adding a bar or a table for entertaining. Almost all homeowners wish that they had more storage space, so incorporate as much storage space as possible. Style Look through home design magazines to see which designs you like. Cut out those designs that particularly appeal to you. Make notes on what you like the best about each design. If you are selling your home soon, consider what the future homeowners will enjoy. In the kitchen, consider using stainless steel appliances. They look great in any decor and are very easy to clean. Also consider using neutral flooring. Neutral floor coverings are a sustainable, low-maintenance material that gener-

ally makes a good choice for a kitchen or bathroom. When painting, choose a neutral color. This will open up opportunities for a variety of decorating options making it easier for you to change your decor in the future. If the time comes to sell your home, it will also allow potential buyers to visualize themselves creating a room of their own in that space. You will want both your kitchen and bathroom design to coincide with the design of the other rooms in your home. If your house is designed in a contemporary, modern, traditional or Asian style design, you will want the kitchen and bath to blend with that decor. Many experts suggest that you spend the majority of your money when remodeling a kitchen or bath on the countertops. A new countertop can set the look for a room. A great way to incorporate colors into a room is with small accent pieces. By incorporating them with small pieces it is easier to change decor if you change your mind. Budget Remodeling can be expensive. Experts recommend you spend up to 20 percent of your home’s value on remodeling the kitchen, and less than that on remodeling the bath. Homeowners can save a lot of money by having their current cabinets redone, adding a fresh coat of paint and installing energy efficient appliances. Leave room in your budget to hire professionals to do the electrical and plumbing work, along with any other tasks you’re not comfortable doing yourself — including creating a design from scratch. v

Prime Magazine February 2014

February 2014 Prime Magazine

Prime Time

02.14February February 2 Pizza Tree owner John Gilbreth will teach a class in Pizza Art at Inside Columbia’s Culinary Adventures Center. He’ll share his secrets for hand-mixed dough, baking restaurant-quality pizza at home and his creative approach to flavor combinations. $34.95; 6:30 p.m.; 47 E. Broadway; 573442-1430; www.comoculinaryadventures.com

February 3–8 Over the course of seven days, the Mizzou New Play Series will present seven, new risky plays written by members of the Missouri Playwrights Workshop. This award-winning group has created work specifically for this week that promises to be fresh and exciting. Join local theater lovers at the Corner Playhouse for a weeklong adventure in playwriting directed and produced by David Crespy. $5; 7:30 to 9:30 p.m.; Fine Arts Building (MU campus); 573-882PLAY; www.theatre.missouri.edu

February 3–13 The “onefootbuyonefoot” art exhibition at the University of Missouri’s Craft Studio in Memorial Union, will offer sales of 12-inch-by-12-inch artwork by University of Missouri students, staff, faculty and community members. All work will be up for silent auction from the start of the exhibit on Feb. 3 through 6 p.m. on Feb. 13. A closing reception will take place from 5 to 7 p.m. on Feb. 13. Proceeds from the auction will benefit the artists, the MU Fiber Arts Club and the MPC/GBC Craft Studio. Free; 5 to 7 p.m.; 518 Hitt St.; 573882-2889; www.craftstudio.org

February 11 Grammy Award-winning blues musician Keb’Mo’ (aka Kevin Moore), will perform with his band at Jesse Auditorium. The Delta-blues-inspired musician won three Grammys and was a key figure in the acclaimed 2003 PBS series “Martin Scorsese Presents The Blues.” His most recent album, “The Reflection” (2011), is in essence a blues album but is closer to African-American folk-soul in sound and spirit. From $14; 7 p.m.; Jesse Hall (MU campus); 573-882-3781; www.concertseries.org

they face the three men who could possibly be the young woman’s father. “Mamma Mia” is the ultimate feel-good show. From $19; doors open at 6:30 p.m., show at 7; Jesse Hall (MU campus); 573-882-3781; www.concertseries.org

hilarious story, music and lyrics at the directorial hands of Melissa Webel and Bob Bohon. From $10; 7:30 p.m., 2 p.m. Sunday matinees; 1800 Nelwood Drive; 573-474-3699; www.cectheatre.org

February 7

February 6

February 6–9, February 13–16, February 20–23

The timeless music of the Swedish group ABBA comes to the Jesse Auditorium stage in “Mamma Mia!” This beloved story of enchanted nights, love, laughter and friendship follows a mother and her daughter in a Greek island paradise as

The Mel Brooks classic tale of a singing and dancing laboratory experiment in the largest tuxedo ever made, “Young Frankenstein,” comes to the Columbia Entertainment Company for a night of laughter and entertainment. Enjoy the

It’s twice as much fun for Mizzou sports fans at Beauty & The Beast in the Hearnes Center. The nationally ranked Missouri wrestling team hosts the University of Buffalo in a Mid-American Conference match-up while at the other end of the arena Tiger gymnasts compete against the Redhawks of Southeast Prime Magazine February 2014

Missouri State. $5 general admission, $3 youth & seniors; 6:30 p.m.; 700 E. Stadium Blvd.; 800-CAT-PAWS (2287297); www.mutigers.com

February 9 Percussion ensemble So Percussion will perform its worldwide acclaimed creative works at the historic Missouri Theatre. What began as a classic composer/interpreter paradigm has since shifted to ensemble-original creations. The ensemble has produced 13 albums and toured the world performing its original works. The group also collaborates with other artists such as Dan Deacon and Medeski, Martin & Wood. From $7.50; 7 p.m.; 203 S. Ninth St.; 573-882-3781; www.concertseries.org

February 13 The Mizzou men’s basketball team takes on Arkansas at Mizzou Arena. Cheer on the Tigers as they hit the court to take down the Razorbacks and former Mizzou coach Mike Anderson. Price TBD; 6 p.m.; 1 Champions Drive; 800-CAT-PAWS (228-7297); www.mutigers.com

February 14 An elegant dining experience awaits couples during the Valentine’s Day Dinner at Inside Columbia’s Culinary Adventures Center. The evening features a six-course meal comprised of dishes inspired by and symbolic of love. Each course is paired with a specialty wine, hand-selected from the private wine cellar of Inside Columbia’s Culinary Adventures. Reserve your seats today, as space is limited for this intimate, romantic dining experience. $75; 6:30 p.m.; 47 E. Broadway; 573-442-1430; www.comoculinaryadventures.com

February 14–16, 21–22 Written by Anton Chekhov — called the father of modern drama — the play “Uncle Vanya” is a timeless tale with a dramatic climax. Relationships are tested when a successful professor and his young bride visit the professor’s country estate. Hidden love triangles, fears that lives have been wasted and a decision to sell the estate create havoc that tests morals and loyalties. The PG-rated play will examine the actions and consequences of daily life on the Macklanburg

Playhouse stage at Stephens College. From $7; 7:30 p.m.; 100 Willis Ave.; 573-8767199; www.stephens.edu/performingarts

February 14–16, 21–23 Talking Horse Productions presents the dynamic musical “Songs For A New World” at the Talking Horse Theatre. The plot takes audience members from the deck of a 1492 Spanish sailing ship to a ledge 57 stories above Fifth Avenue. The startling array of characters includes a young man determined to make basketball his ticket out of the ghetto and a woman whose dream of marrying rich nabs her the man of her dreams in a soulless marriage. From $10; 7:30 p.m., 2 p.m. Sunday matinee; 210 Saint James St.; 573-268-1381; www.talkinghorseproductions.org

February 15 Learn the secrets behind great food and wine pairings during He Said Food, She Said Wine at Stone Hill Winery in Hermann. Find out how wine and food do (and sometimes do not) harmonize. Sample, taste and have some fun. Bring a friend for even more. $15; 11 a.m. to 12:30 p.m.; 1110 Stone Hill Highway, Hermann; 800-909-9463; www.stonehillwinery.com

February 20 It’s a crosstown duel when the Stephens College basketball team hosts the women of Columbia College. The Stars take on the Cougars in this late-season game at Stephens’ John & Mary Silverthorne Arena. $5 for general public, free for Stephens staff, faculty and students; 7 p.m.; Dorsey Street (Stephens campus); 573-876-7212; www.stephens.edu/athletics

February 20 Join Chef Brook Harlan for a Cajun cooking class at Inside Columbia’s Culinary Adventures Center . For this Fat Tuesday class, Harlan will share the fundamental food elements of the annual celebration. “Laissez les bon temps rouler!” $34.95; 6:30 p.m.; 47 E. Broadway; 573-4421430; www.comoculinaryadventures.com

February 20–23 Stephens College’s Macklanburg Playhouse presents the coming-of-age play, “Crooked,” the PG-13 story of an awkward 14-year-old girl named Laney. An aspiring writer with a grand imagination, Laney moves to Oxford, Miss., with her divorcée mother, who is in crisis and 26

February 2014 Prime Magazine

has a bad back. Laney befriends a fervent Christian, Maribel, and soon Laney’s imagination spirals out of control. Laney embarks on a hilarious spiritual and sexual journey that challenges her mother’s secular worldview and discovers that divine and earthly love may not be so far apart. From $7; 7:30 p.m., 2 p.m. Sunday matinee; 100 Willis Ave.; 573-876-7199; www.stephens. edu/performingarts

February 21–22 Helena loves Demetrius. Demetrius loves Hermia. Hermia loves Lysander. And Titania loves an Ass. Over the course of one magical, moonlit night, Shakespeare’s comic fantasy, “A Mid-Summer’s Night Dream,” brings together star-crossed lovers, feuding fairies, magic, music, myth and a band of bumbling “rude mechanicals” to lampoon our mortal obsession with “true love.” The University of Missouri Theatre Department presents this classic tale, directed by Cheryl Black, at MU’s Rhynsburger Theatre. From $10; 7:30 to 9:30 p.m.; Fine Arts Building (MU campus); 573-882-PLAY (7529); www.theatre.missouri.edu

3107 Green Meadows Way; 573-449-3001; www.wealwaysswing.org

3000; www.hickmanhighschooltheatre.com

February 27–March 2 February 27 Take a trip down sensory lane and be wowed by the difference food can make when paired correctly — or incorrectly — with wine. Join Chef Craig Cyr of The Wine Cellar & Bistro for A Perfect Pairing at Inside Columbia’s Culinary Adventures Center. Cyr’s class will focus on the preparation of wine-friendly foods, as participants learn basic food affinities and afflictions in order to create a perfect pairing. $34.95; 6:30 p.m.; 47 E. Broadway; 573-442-1430; www.comoculinaryadventures.com

February 27–March 1 Come one, come all for the One Act Play Festival at Hickman High School. Presented over the course of three days, students write, direct, act and produce one-act plays for audiences of all ages to enjoy. Some promise to be funny, others dramatic — ensuring a wide range of topics and creative explorations by students. $3; doors open at 7 p.m., curtain goes up at 7:30; 1104 N. Providence Road; 573-214-

The 11th True/False Film Fest continues the annual tradition of bringing renowned documentary films to Columbia for a weekend of film-fan fun. This year’s theme is Magic Realism. Panels, seminars, receptions, galas, parties, contests, games and more will pack the weekend’s schedule. Filmmakers from all over the world travel to Columbia to interact with audiences and fans. Tickets from $8, $6 for students, passes from $75; various times and locations; 573-442-8783; www.truefalse.org

February 28–March 2 The Stephens College Annual Dance Company Spring Concert features students performing classic ballet, modern dance, jazz and tap. The evening at the Macklanburg Playhouse on the Stephens College campus will also feature a highlight performance of world dance selections. Treat your littlest ballerina or your inner dancer to a night of refined dance. From $8; 7:30 p.m.; 100 Willis Ave.; 573-876-7199; www.stephens.edu/news/ stephensevents/performingarts v

February 22–23 Follow your heart … to the chocolate and wine. For two days in February, wineries along the Hermann Wine Trail are opening the doors to their tasting rooms and filling them with chocolate and wine pairings for the Chocolate Wine Trail. Limited tickets are available and must be purchased in advance online. Each ticket includes a souvenir wine glass. $30/person; 10 a.m. to 5 p.m. Saturday, 11 a.m. to 5 p.m. Sunday; Hermann; 800-932-8687; www.hermannwinetrail.com/chocolate-wine-trail

February 23 Murry’s restaurant plays host to “Sundays @ Murry’s” during the “We Always Swing” Jazz Series performance of the Christian McBride Trio. Bassist Christian McBride’s quintet includes pianist Christian Sands and drummer Ulysses Owens Jr. McBride has been coming to Columbia to play jazz for more than 20 years. Last season’s jazz series saw McBride as the musical director of the Monterey Jazz Festival while on tour at the Missouri Theatre. The bassist as-bandleader is deeply grounded in jazz and groove, making for what is sure to be a special performance. From $18; first-show doors open at 2:30 p.m., show at 3:30, second-show doors open at 6 p.m.; show at 7; Prime Magazine February 2014

How Can I Help?

All Signs Point North Local Domestic Violence Shelter Celebrates 30 Years Of Service By Morgan McCarty

True North provides immediate safety to individuals in danger of domestic abuse. While the most obvious way True North meets this mission is through offering housing, the organization also provides court advocacy, educational outreach, counseling services and referrals to other services available in Columbia. True North’s 7,800-square-foot shelter is located in central Columbia and can host up to 25 women and children at any given time. True North also provides services for five to seven men, annually. Fulltime staff at True North includes three case managers, one counselor, three outreach educational staff and one Domestic Violence Ended (DOVE) advocate. Each department also takes on student interns. True North’s DOVE department works with the Columbia Police Department and Boone County Prosecuting Attorney’s office. This 15-year-old partnership allows True North to reach out to victims of domestic disturbances in a timely manner.

February 2014 Prime Magazine

True North relies on the support of the community to continue to provide its services and maintain its shelter. “The support we receive from the community reflects the caring spirit and commitment the community makes to help those in need,” says Barbara Ellen Hodges, executive director of True North. Volunteers give of their time to do things like yard work and make minor repairs to the shelter and administrative building. The shelter also maintains a dedicated group of specialized volunteers who do direct service for and with True North’s clients through services such as hospital advocacy, hotline response, ex parte assistance and child care. To fill these roles, volunteers complete 48 hours of training before beginning their work with clients. Members of the community can also support the mission of True North through donating items listed on True North’s wish list or by making a monetary contribution to the shelter. True North

also hosts two major fundraising events each year: Little Black Dress in April and Purse Passion in October. Hodges says she expects to attract 450 attendees for the Fifth Annual Little Black Dress event on April 25. “Every dollar raised, every volunteer hour donated makes a direct difference in the lives of those we serve,” Hodges says. ”Every time a woman — often with a small child — leaves an abusive relationship and starts a new life free from abuse, we have not only made a difference in her life, but have created a better community for all of us.” For more information about True North or to invite Hodges to make a presentation to your civic group, church group or social club, contact her at 573875-0503. To make a donation or learn more about volunteering, contact Sarah Butler at 573-875-0503. v True North Wish List

Personal Products • Body wash and lotion • Conditioner • Ethnic hair care products • Women’s deodorant Children’s Items • Baby shampoo, lotion, body wash and baby oil • Diapers sizes 3, 4 and 5 • Wet wipes Household Items • Silverware • Small kitchen appliances (microwave, toaster oven, coffee pot, hand mixer) See a more complete list at www.TrueNorthofColumbia.org.

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Retirees searching for the good life have found it in Columbia. Read nine stories from CoMo newcomers who made the decision to retire in CoMo (and why they love it here) in this month’s cover story of Prime magazine. >>MORE

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Pet Corner

Doc Went A-Courting An Ode To Love In Vet School By Dr. John Williams

It may have been foolhardy at the time, but a couple of years ago, just as I was beginning to wind down my practice career, I asked my wife a question that had secretly nagged at me for almost 40 years. With some trepidation, I admit, I asked her why on earth, when we were in college, did she decide to hang out with a poor, little veterinary student, like me. Truth be told, she had caught the eye of many young men and could have paired off with any of a number of aspiring physicians or lawyers and the like. As I recall there was even one very annoying Russian history major who kept popping

February 2014 Prime Magazine

up at her dorm. Among other names, I used to call him Tolstoy. Now before we go too far here, don’t for a minute think that dating a veterinary student is one big Disney movie, with little, furry creatures happily scurrying around while the soundtrack from “Lady and the Tramp” plays in the background. Not quite. Most young ladies who embarked on a relationship with a veterinary student in the late ’60s soon realized that the only furry thing they would encounter was the animal hair on their suitor’s pants legs and the only thing they ever saw that scur-

ried was their date when his emergency beeper went off. Furthermore, any hint of sweet background music would have been drowned out by their beau’s old car that usually needed a new muffler and valve job. Which brings us to the subject of money — or, more precisely, the lack thereof. I am certain that if you ever get a complete copy of the list of things that are “etched in stone,” one of the first precepts you will see is that “Veterinary students have no money — none.” Thus, quality dates with these Prince Charmings usually consisted of so-called

“study dates,” where the poor young lady was taken out to a fun-filled evening at the veterinary school library. It was there that she could amuse herself by reading the latest edition of Dairy Cow Gazette while her knight in shining armor crammed for the next biochemistry exam. The trifecta of surviving the rigors of veterinary school, being penniless and trying to win a young lady’s heart also resulted in another unique courting tactic — the lab date. It worked like this: The veterinary student would secure a date with a young lady, promising her something extravagant, like a movie and a pizza. Once she was secure in the car, he would then announce that he had just been commanded by a thoughtless professor, who held the future vet’s career in his hands, to run by the laboratory and complete some project that the prof had started earlier in the day. Fortunately, this was usually a paying gig. Think about it, all three challenges were met: improved prospects of graduation, money and a girlfriend. Sheer genius. So, rather than pizza and a movie, it became vending machine peanut butter crackers and AM radio, usually carrying a Cardinals game. It was exactly one of these types of scenarios that yours truly was able to convince a young lady that for two consecutive weeks, rather than our usual library-andpeck-on-the-cheek date, it was absolutely critical to go by the laboratory for the evening. And, here is the real crappy part. Rather than dreaming of maybe someday going out for a Fabian movie and a cheese pizza, she had to watch while I collected, measured and weighed the eliminations from two dozen well-fed canines. Charming, huh? Oh, one last thing. For those of you who are curious about all the money I made with the two weeks of lab dates, I spent it all — but not on movies and pizzas. I bought an engagement ring. How do you like that, Tolstoy? v

— John Williams, DVM, is a retired Columbia veterinarian who spent 39 years as a small-animal practitioner. Prime Magazine February 2014

Wealth Money Management Management

special section

Figuring Out Financial Fees What You Need To Know About How Financial Advisors Make Money A combination of fees and commissions. An advisor’s compensation is either fee-only or fee-based. Fee-only advisors can only receive compensation from the client, not a brokerage firm, mutual company or insurance company. This may be as an hourly rate, a flat fee, a retainer or as a percentage of the client’s assets. On the other hand, fee-based advisors can receive compensation from the client and commissions paid by a brokerage firm, mutual company, insurance company or investment partnership.

Money or investment advice from a family member or friend may be helpful and free, but it is not necessarily the best approach for solid financial planning. Usually, the most profitable advice requires investing in the services of a financial advisor. A financial advisor is a professional who receives compensation for providing individual clients with financial guidance, advice and services such as investment management, income tax preparation and estate planning. Financial advisors receive compensation and charge fees in any of the following ways: An hourly rate. A pre-determined hourly amount charged for advice given and planning guidance. Rates vary depending on the experience level of the advisor. A flat fee for a specific project. This fee is not tied to investments. It is a quoted and agreed upon rate, and a clear description of what services are provided for that fee needs to be included.

February 2014 Prime Magazine

A quarterly or annual retainer fee. This type of fee works well if the client has a complex financial situation, such as owning a small business or rental properties or if regular income from investment is required. A written contract detailing all of the fees and services should accompany this arrangement. A fee charged as a percentage of assets. The advisor charges a fee that is based on a percentage of your account value. The financial advisor’s compensation is directly correlated to your account value, so the advisor has the incentive to grow your account and to minimize losses. Typical fees range from 0.5 to 2 percent per year. The more assets a client has, the lower the fee percentage. Commissions. Commissions are paid on the front-end of a sale when a client purchases particular financial or insurance products through the advisor. The client should feel free to ask the advisor how much the advisor is paid when investment or insurance products they recommend are bought.

Each person’s financial situation is different, so different methods for compensating a financial advisor should be explored to find the best fit. Before working with an advisor, be sure to ask for clarification about how fees are charged and what specific services are provided. v Choosing Your Advisor Along with asking potential advisors about their designations, areas of expertise and compensation method, ask them to explain a concept to you. Asking a question like one listed below lets you determine if you can understand the advisor’s explanation. The goal is to find someone who will be able to explain financial concepts in a language that makes sense to you. Consider asking: • What is passive versus active investing? • How do you determine what percentage of my money should be in stocks versus bonds? • What do you think of annuities? • How do you determine how much cash I can withdraw each year without running out of money? Source: The Society of Certified Senior Advisors, www.csa.us.

Prime Magazine February 2014

Wealth Money Management Management

special section

Safe Mobile Banking The FDIC’s Latest Tips For Security

Using a smartphone, “tablet” computer or other mobile device to manage your finances can be convenient and help you monitor your money from practically anywhere. These tips from the FDIC will help you take advantage of that convenience while keeping your account information secure from crooks and thieves. Be proactive in securing the mobile device itself. Depending on what security options are available on your device, create a strong password (consisting of unusual combinations of upper- and lower-case letters, numbers and symbols) or PIN (with random numbers instead of, say, 1234 or the last four digits of your Social Security number) and periodically change it. “Always secure the device with a strong password or PIN in case it falls into the wrong hands,” says Elizabeth Khalil, a Senior Policy Analyst in the FDIC’s Division of Depositor and Consumer Protection. “Don’t give that password or PIN to anyone or write it

February 2014 Prime Magazine

down anywhere.” Also, never leave your mobile device unattended. And make sure you enable the “time-out” or “autolock” feature that secures your mobile device when it is left unused for a certain period of time. Be careful about where and how you conduct transactions. Don’t use an unsecured Wi-Fi network, such as those found at coffee shops, because fraud artists might be able to access the information you are transmitting or viewing. Also, don’t send account numbers or other sensitive information through regular e-mails or text messages because those are not necessarily secure. Take additional precautions in case your device is lost or stolen. Check with your wireless provider in advance to find out about features that enable you to remotely erase content or turn off access to your device or account if you lose your phone. Quickly contact your financial services providers to let them know about the loss or theft of your device. Notifying

your bank quickly will help prevent or resolve problems with unauthorized transactions. Research any application (“app”) before downloading it. Just because the name of an app resembles the name of your bank — or of another known company — don’t assume that it is the official app of that bank or company. It could be a fraudulent app designed to trick users into believing that the service is legitimate. “The best place to download an app is from the official website of the bank or company that you are doing business with or from a legitimate app store,” says Jeffrey Kopchik, a Senior Policy Analyst in the FDIC’s Division of Risk Management Supervision. He notes that businesses will often direct customers to an app store, so that is not a red flag. For more security, “if possible, be sure to protect your financial apps, ideally with a password that is different from the password for your device,” Kopchik says. Be on guard against unsolicited e-mails or text messages appearing to link to a financial institution’s website. Those could be “phishing” messages containing some sort of urgent request (such as a warning that you need to “verify” bank account or other personal information) or an amazing offer (one that is “too good to be true”) designed to lead you to a fake website controlled by thieves. “The concern is that on that fraudulent site you may provide sensitive information while believing you are providing the information to your bank or another trusted party,” said Matthew Homer, a Policy Analyst in the FDIC’s Division of Depositor and Consumer Protection. For more information on safe mobile and online banking, visit www.fdic.gov/ consumers. v

Prime Magazine February 2014

Wealth Money Management Management

Avoiding Scams Sticking To The Basics Can Go A Long Way

There is plenty of information available to consumers to help them avoid being a fraud or theft victim. “But some people complain that there is too much to remember and that being vigilant can be a daunting task,” says Millie Spencer, a financial crimes specialist with the FDIC. Here’s a short list of simple ways to avoid many financial crimes: Never provide passwords, credit or debit card information, Social Security numbers and similar personal information in response to an unsolicited text message, e-mail, call or letter. An identity thief can use this information to apply for credit cards or loans, access your bank accounts online or otherwise commit fraud using your name.

February 2014 Prime Magazine

Crooks often send e-mails, text messages or phone messages that appear to be from a legitimate, trusted organization asking consumers to “verify” or “update” personal information. The scam is called phishing (pronounced “fishing”) because the criminals throw out bait in hopes of luring a consumer into biting. Criminals also create bogus websites in hopes that consumers will enter valuable personal information. “We’ve seen everything from fake bank websites to sites offering payday loans or credit repair services,” adds Michael Benardo, Manager of the FDIC’s Cyber Fraud and Financial Crimes Section. “Some of these sites offer incredibly low prices or other enticing promotions.”

Remember, Spencer says, “a legitimate organization would not solicit updates in an unsecured manner for information it already has.” Think twice before opening attachments or clicking on links in unsolicited e-mails and text messages. These messages may install “malware” (malicious software) on your computer or cell phone. “This software could allow crooks to spy on you and gain access to your online banking sites,” explains Benardo. To confirm a message’s validity, contact the supposed sender. “But don’t automatically assume the contact information listed in the e-mail is accurate,” says Benardo. He recommends finding the telephone number, website or e-mail address from an independent, reliable source. For guidance on whether a bank or bank website is legitimate, you can call the FDIC at 1-877-275-3342 or use Bank Find, an online directory of FDIC-insured institutions that provides websites, at http:// research.fdic.gov/bankfind. Deal only with reputable merchants, service providers and charities. Friends and family may be able to provide recommendations. You can search for complaints against a business by contacting the local consumer affairs office (www. consumeraction.gov/state.shtml) and Better Business Bureau (www.bbbonline. com). There also are popular sites on the Internet for consumer ratings and reviews of businesses. Fraud artists also claim to be from legitimate charitable organizations — especially after a major disaster — and ask for “donations.” The Better Business Bureau’s Wise Giving Alliance (www.give. org) and other organizations can help you find legitimate charities with good reputations.

special section

Be on guard against counterfeit checks, cashier’s checks or money orders. These often are associated with scams that say you have won a lottery or other prize, are bogus work-from-home offers or are attempts to steal something you are selling on the Internet or through classified ads. Be especially leery if you get a check for more than the amount due and you’re instructed to return the difference by depositing the check and wiring the excess amount to the other party’s account or to an associate. If the check turns out to be counterfeit, you will be out the money regardless of whether you sent a check, wire or cash. Be wary of unsolicited investment offers that sound too good to pass up or that require you to act fast. “Statements about low-risk investments with ‘guaranteed returns’ that are unusually high are red flags,” says Luke W. Reynolds, Acting Associate Director in the FDIC’s Division of Depositor and Consumer Protection. He also advises walking away from any offer that involves pressure to pay cash or provide personal information right away. Protect your mail and other documents at home. Thieves know that credit card or bank statements and other documents contain valuable, confidential information. Try to use a secure mailbox for your incoming mail. Keep bank and credit card statements, tax returns, credit and debit cards, and blank checks secure, even at home. Also shred sensitive documents before discarding them. Similarly, use an updated security program to protect your computer. Look at your bank statements and credit card bills as soon as they arrive. Immediately report any discrepancy or anything suspicious, such as an unauthorized withdrawal or charge, to your financial institution. Periodically review your credit reports and dispute any inaccurate information, which could indicate identity theft. You are entitled to a free copy from each of the nation’s three major credit bureaus every 12 months. To request a credit report, go to www.AnnualCreditReport.com or call tollfree 1-877-322-8228. v Prime Magazine February 2014

Fun & Games

Letter-Link Word Search Puzzle Directions: The words in the Word List are hidden in the puzzle grid. Some are not in straight lines, so look in all directions for each next letter (right, left, up, down, diagonal). Do not backtrack. Words may overlap each other or themselves by one letter.

Hugs And Kisses

word list ABELT

KNICKKNACKS

BESTSELLER BOOK

MOVIE

BLANKET

PENDANT

BOWS

PHOTOGRAPH

BRACELET

PICTURE

CANDLE

POEM

ROSES

CERTIFICATE

SCARF

COMFORTER

SILVER BROOCH

COMPUTER

SILVER GOBLET

CRAFT MATERIAL

SOCKS

CROCKERY

STEIN

EARRINGS

SWIMSUIT

FLOWERS

WINE

Cryptogram Decipher this quote by unraveling the secret code. Each letter stands for another letter. We’ve given you a few hints to get you started.

>>>

Test your knowledge! Turn to Page 42 to check your answers. 38

February 2014 Prime Magazine

Prime Magazine February 2014

Recipe Box

Darling Delights Watermelon Cupcakes Perfect For Valentine’s Be a cupid and give your sweetie healthy, delicious treats that feature juicy watermelon. Naturally dressed in the holiday’s hue of vibrant red, using this fabulous fruit in recipes adds color to the spread of any Valentine’s Day party. Served with pineapple cream cheese frosting, these watermelon cupcakes are sure to delight your darling.

Watermelon Cupcakes INGREDIENTS

DIRECTIONS

8 cupcake liners 8 cupcake shaped pieces of seedless watermelon 2 cups pineapple cream cheese frosting Sprinkles for garnish

Pineapple Cream Cheese Frosting

2. For frosting, cream butter and cream cheese together with electric mixer until fluffy. Add pineapple juice and continue mixing until juice is absorbed. Gradually beat sugar into the mixture.

1/4 cup butter, room temperature 4 ounces cream cheese, room temperature 2 tablespoons pineapple juice 2 cups confectioners’ sugar

Place liners in 8-cup cupcake tin. Cut 3-inch-thick slices of seedless watermelon. Cut round cupcake-sized pieces from slices. Put watermelon cupcake in each liner.

3. Place dollop of frosting on each cupcake. Decorate as desired with sprinkles.

For more sweet ideas, visit www.watermelon.org. 40

February 2014 Prime Magazine

Prime Magazine February 2014

Prime Pages

fun & games solved Challenge your brain with this month’s puzzles found on Page 38.

Letter-Link Word Search

Cryptogram Answer

The Rose Garden Susanna Kearsley (Sourcebooks Landmark, 2011)

F 42

“Soul meets soul on lovers’ lips.” — Percy Bysshe Shelley, Prometheus Unbound

REVIEWED By Gretchen Pressley

Did You Know?

February is a month to revel in a good old-fashioned romance! And no one is better at telling stories of love stretching through time and across space than Susanna Kearsley. The Rose Garden starts out in the most romantic of settings: the Cornish coast. Eva Ward has returned to the place where she spent many happy summers as a child, the small town of Polgelly in Cornwall, Great Britain, to spread the ashes of her beloved sister, Katrina. She stays with family friends in a historic mansion called the Trelowarth House, where her friends are attempting to open up a tea room for tourists. As Eva’s stay in the bucolic town lengthens, she finds herself exploring more of the town and her hosts’ enormous house. Then one day, she is walking through the woods and finds that she has slid back through time — all the way to the 18th century. There she meets and befriends Jack and Daniel Butler and Fergal, their loyal friend and companion. The brothers are smugglers and Jacobites and with their crews, are working to put James Stuart back on the throne of England. Eva begins slipping back and forth in time at different intervals, and she has no control over when the time shifts will occur. All that she knows is that she is falling in love with Daniel Butler – and only she can save him from the fate history has in store. Although fanciful and rather unbelievable at times, The Rose Garden is a delightful look at love that is stronger than time itself. As always, Susanna Kearsley’s imagery and attention to historical details are flawless, and she’ll have you believing in true love and destiny all over again. v

In 2013, six million Americans expected either to make or receive a proposal on Valentine’s Day. That was up from 4 million in 2012.

February 2014 Prime Magazine

Prime Magazine February 2014

Your Bucket List

Bee Happy Mike McMillen Finds A New Hobby

By Anita Neal harrison Growing up in the small town of Windsor, Mo., Mike McMillen lived beside a vacant lot that served as the neighborhood kids’ baseball field. On the other side of the vacant lot lived a master gardener, who kept a collection of neatly painted white bee hives under some shrubs. One summer day, a foul ball went near a hive, and McMillen went to retrieve it. He saw bees busy buzzing in and out of the hive. The bees fascinated McMillen, and now that he’s retired — he’s the former owner of Buck Creek Barbecue Sauces — he’s turning that childhood fascination into a challenging new pursuit. “I like learning new things, and honeybees have always intrigued me,” he says. McMillen’s beekeeping venture began in the fall of 2012, when he found a wild hive of bees on family land near Windsor. After doing some research, he purchased a device to trap the bees when they began to swarm — or leave their hive to look for a new hive location. But when he went back to put his new trap up, he found the bees had gone! McMillen decided he might as well attach the trap to a tree in that area, so he did, treating it with some queen pheromone to attract bees. A couple of weeks later, he came back and found a few bees going in and out of the swarm trap. Then a couple of weeks after that, he looked in the trap and saw that it was full of bees and they had started building up a wax comb. Finally, it was time to move the bees from the swarm trap into a permanent hive. McMillen called a friend, Charlie DeVier, who gave him a list of things to purchase to build the new

February 2014 Prime Magazine

hive. McMillen got it all assembled, and then he and DeVier transferred the bees into their new home. McMillen went back five days later, and, once again, faced disappointment. “The bees were all gone!” he says. “I’m still not sure what we did wrong. Charlie thought wax moths had gotten into the hive, and the bees swarmed and went someplace else. ‘That’s beekeeping,’ he said.” McMillen knew then he needed more education. He’d taken several courses at the Columbia Area Career Center — everything from website design to welding — and just a month or so after losing the bees, McMillen saw the center was offering a course on beginning beekeeping. “It’s a really wonderful resource for people who are interested in learning, and I am,” McMillen says of the center. McMillen took the beekeeping course last November, and he learned all he needed to know to get started beekeeping, from how to protect his bees from their many enemies — which range from parasites to bears — to understanding the bee’s life cycle. “Our instructors were awesome!” McMillen says. “They brought a lot of show-and-tell items to class.” McMillen furthered his education online, watching more than 60 hours of YouTube videos on beekeeping. “It’s really interesting to see how people approach the same issue differently,” he says.

Since the beekeeping course, McMillen has been busily assembling and painting hives. Instead of hoping to capture more wild bees, he has ordered two hive starter kits, each of which contains one queen and 12,000 to 15,000 bees. He expects those to arrive in April, just in time for the peak production time for honey. “I’ll probably not take any honey the first year, focusing on trying to build up a strong hive,” McMillen says. “After that, I’ll share the bounty with friends and neighbors.” v Is beekeeping on your bucket list? The Columbia Area Career Center offers a one-day beginning beekeeping course on Sat., Feb. 8, from 9 a.m. to 4:30 p.m. Cost is $119. Call 573-214-3803.

Tell us your story Have you crossed something off your bucket list? Please share your experience with us for a chance to be in an upcoming issue of Prime! Just send a brief note describing the feat to anita@inside columbia.net, and if we choose to feature your triumph, we will be in contact for an interview.

Prime Magazine February 2014

Columbia Confidential: Publisher Fred Parry On The Issues Columbia Is Talking About

Hope For Columbia

Later this month, our company will be playing an active role in hosting the first-ever CoMo Christian Men’s Conference. This event brings a lineup of powerful keynote speakers to Columbia to speak on a variety of issues important to men and the roles they play in their families, workplace and the greater community. While planning this conference, we had the opportunity to interact with a wide variety of interests from throughout Columbia’s faith community. As I learned more about these organizations and their missions, I was struck by the vital role they play in keeping the fabric of our community intact. Most people know that our local churches have long been instrumental in feeding the hungry, providing shelter for the homeless and working with at-risk populations. Few Columbians understand, however, the scope of these monumental tasks. With more than 150 different congregations in Columbia available to lend a helping hand, that old adage has never been truer — it really does take a village. A recent example is last month’s record low temperatures, which put a significant strain on resources normally dedicated to serving the homeless in our community. Yet a collaborative effort among local churches called Room At The Inn stepped up to answer the call. Through the coldest months, these churches have set up a rotating shelter that can handle up to 35 people each night. Local participating churches include Broadway Christian, Calvary Episcopal, Missouri United Methodist, Sacred Heart Catholic and Community United Methodist. Before this project could get on its feet, the congregation of Unitarian Universalist Church stepped up to offer temporary shelter in its building. Keep in mind that these churches are simply handling the overflow from several local faith-based organizations that consistently provide shelter, including the Salvation Army’s Harbor House, the Catholic Worker’s St. Francis House and the New Life Evangelistic Center. I recently had the opportunity to sit down with the leadership team at Love INC (Love In the Name of Christ) to learn more about their organization. Love INC has coordinated a network of local churches to work with Columbia’s at-risk populations and offer life skills training, financial counseling and personal coaching aimed at helping people wean themselves from the many government-based cash assistance programs that exist. Love INC’s army of volunteers from local churches takes a personal interest in each person who walks through the door,

February 2014 Prime Magazine

working with them toward a variety of long-term solutions. This organization’s work is rooted in the principle, “Give a man a fish, and you feed him for a day; teach a man to fish, and you feed him for a lifetime.” Beyond the struggles to provide food and shelter to those in need, an impressive number of local churches are also actively engaged in recovery ministries that help people deal with drug and alcohol addiction and other codependency issues. We live in a community where there is easy access to alcohol, illegal drugs and other vices. Worse yet, it seems that many in our community have a rather permissive attitude toward the use of illegal substances, posing no social stigma that might dissuade a person from using these drugs. Fortunately, our area churches are stepping up to the plate to fill a void that local courts, governments and social service agencies cannot. In my 20 years in Columbia, I have been intrigued by our community’s strong propensity to keep all church and state matters on polar opposites of the spectrum. Unfortunately, Columbia’s faith community has had to step up and take ownership for what would normally be a governmental responsibility. We are living in an era where our public infrastructure and social service systems are overwhelmed by demand and the resources dedicated to dealing with social issues are beyond scarce. The time to give credit to Columbia’s faithful is long overdue. An Invitation I’d like to invite the men of this community to invest a day in themselves by attending the CoMo Christian Men’s Conference on Saturday, Feb. 22. This conference will show men how they can become agents of change in their families and in their faith. We’ve planned a day filled with amazing speakers, great music and tons of inspiration. For more information on the conference, please visit www.CoMoChristian.com. Hope to see you there.

Fred Parry, fred@insidecolumbia.net

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