Better Living This edition featuring . . . Estate Planning
Ways to make the inheritance process easier
Estate planning is necessary, practical
Elder abuse facts and figures one should know
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A special supplement to The Daily Nonpareil
2 Friday, August 27, 2010
The Daily Nonpareil
Ways to make the inheritance process easier CHAD NATION News Editor email@example.com (712) 325-5738
Without being too morbid, 2010 would be a good year to die, especially if you are extremely wealthy. The federal estate tax disappeared this year under the Economic Growth and Tax Relief Reconciliation Act of 2001. “No one, including estate attorneys and financial planners, ever thought we would get to 2010 where there was no estate tax,” said Cindi Keithley, certified financial planner professional and the owner of iRetire Financial. “Mr. (George) Steinbrenner (former owner of the New York Yankees who died earlier this year) was given a heck of a gift,” she added. As a result of the 2001 act, many in the estateplanning field referred to 2010 as the year of “throw mama from the train.” But Keithley said much to the field’s surprise, congress has done nothing to change the law. “There have been changes talked about in congress and that it would be retroactive to January, but we are now past the middle of August,” she said.“Until it passes we are living under the rules in place now.” While there is no federal estate tax, the trade off is that there is a limit on capital gains tax for-
giveness on appreciated property inherited. “If your family owned a big farm that they bought in the 1930s and kept acquiring land through the 50s and 60s, under the old inheritance estate tax system set up, there was no capital gains,” Keithley said. “Now there is a limit on how much you don’t have to pay capital gains on. “That could hit more people in Iowa than an estate tax.” While the federal estate tax is on hold for the year, there is still a state inheritance tax in Iowa. “The way it works for Iowa is if you are leaving money to your children or grandchildren there is no inheritance tax and that changed in mid 90s,” Keithley said. “In general terms farther away relationship smaller amount receive before being taxed.” The inheritance tax law provides that a certain amount of property from the estate can pass to a recipient without being subject to tax, according to the Iowa Department of Revenue. This is called an exemption. The amount of the exemption is based upon the relationship of the recipient or beneficiary to the decedent. ■ There is no inheritance tax on property passing to the surviving spouse from the decedent. ■ For deaths on or after July 1, 1997, property passing to the surviving spouse is exempt. Prop-
Cindi Keithley, financial advisor at iRetire Financial, discusses financial planning options with Karen Keithley, director of marketing and development, in April at their new location at 928 Valley View Drive #18.
erty passing to parents, grandparents, greatgrandparents, and other lineal ascendants is exempt from inheritance tax. Property passing to children (biological and legally-adopted children), stepchildren, grandchildren, great-grandchildren, and other lineal descendants is exempt from inheritance tax. All other beneficiaries are taxed on the entire share passing to them from the estate. ■ Any other beneficiary does not receive an exemption and is taxed on the entire share passing from the estate to that person. The rate of tax paid on a recipient’s share varies based upon the relationship of the recipient to the decedent. ■ The decedent may have left property to various organizations which are charitable or non
charitable. Special tax rates apply to these organizations. ■ If all the property of the estate has a value of less than $25,000, no tax is due. ■ Insurance proceeds paid to a named benefi-
ciary are not taxable. ■ Currently, annual gifts in the amount of $12,000 or less are not taxable. ■ Annuities purchased under an employee pension plan or retirement plan are not taxable.
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Friday, August 27, 2010 3
Estate planning is necessary, practical MIKE BROWNLEE Staff Writer firstname.lastname@example.org (712) 325-5732
Death. People often fear it and don’t want to think about it, let alone plan for it. But according to Jack Reusch, a Council Bluffs attorney who works on estate planning, if a person doesn’t have a plan in place for where their possessions and assets will go, state statues will decide instead. “What the state plans might not always be what the person would want for themselves,” said Reusch, of Telpner, Peterson, Smith and Reusch law firm. “Estate planning is simply planning in advance.” Both Reusch and Craig Dreismeier, who does some estate planning work for his firm Hannan & Dreismeier, P.L.C., said that adults should look at estate planning as soon as possible. “I don’t know if it’s ever too early,” Dreismeier said. “I think for a married couple it’s always a good idea to have a will in place, especially if there are children.” Dreismeier said a number of issues are discussed at an estate-planning meeting, including identifying assets figuring out bills and going over family dynamics. “Then see what it is they want to do when all is said and done,” he
said. For people with a significant amount of assets a trust is advisable, Dreismeier said. “For vast majority of folks a trust isn’t necessary,” he said. “But you need a will to determine where things will go. With a will you’re in control.” In addition to where assets and possessions will be divided, deciding what will happen in the event of health problems is another issue that should be addressed. Having a plan in place for who will have power of attorney is important, Dreismeier said. “In the event something should happen to you and you can’t make decisions, a document choosing power of attorney will assist (healthcare) caregivers in who will take care of you,” he said.
In addition, a financial power of attorney will serve the same role on the money side. “Again, it’s a situation where if you’re married there’s assumptions that each spouse would have access. Sometimes that’s not the case,” Dreismeier said. “People might have separate bank accounts that need to be accessed. Financial power of attorney gives a person the choice to step in on your behalf with those situations.” Dreismeier said he and his partner C.R. Hannan, who does the bulk of the estate planning at the firm, consult a number of people on wills and trusts and the like, but not enough. “(Estate planning) probably isn’t as popular as it needs to be. More people should be looking into it,” he said.
A will or testament is a legal declaration by which a person, the testator, names one or more persons to manage their estate and provides for the transfer of their property at death.
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Lots of events going on in southwest Iowa Glenwood Senior Center We had a Salad Luncheon on August 8 as a fundraiser. We had a wide variety of salads to choose from. It was success for us and enjoyed by all. Daily Events: Mondays – coids, pitch in the afternoon, Tuesdayscoids, pitch and cribbage in the afternoon, WednesdayBridge in the afternoon, Thursdaycoids, pitch, and dominoes in the afternoon, Fridaycoids, pitch and once a month a bridge club in the afternoon. We are open Monday thru Friday 8:00 a.m. to 4:00 p.m. and on Saturday from 8:00 a.m. to 11:00 a.m. We serve lunch at 11:45 on Monday thru Friday. If one wants to eat with us, please call 527-4213 by 11:20 the day before. The Center’s next event will be on Glenwood’s Homecoming. This year it is October 1, 2010. We serve lunch from 11:00 to 1:00 and are open to all! Harlan Senior Center Hi from the Harlan Center. Belated birthday and anniversary wishes to the following Birthdays Robert D. Buck, Shelby 87; Joan Schneider, Westphalia 80; Neoma Anderson, ElkHorn 87; Melvin Coenen, ElkHorn 88; Helen Musich, Harlan
89; Richard Card, Harlan 84; Carolyn Spearing, Harlan 89; Millie Lesch, Shelby 80; Frank Murtaugh, Harlan 81 and RenoStofferson, Harlan 103 and anniversary wishes to Vince and Mary Ann Blum, Earling 62 years. The usual monthly activates are Crafts held Mondays and Fridays at 9:00 am. Wednesdays finds Wii Game Morning at 9:00 am and Bingo played starting at 1:15 pm. Exercise time on Fridays at 10:30 am. The Center will be closed on Monday September 6 in observance of Labor Day. Exercise time Tuesday, September 7 at 9:00 am. Thursday, September 9 at 9:30 am is the Senior Council meeting and at 6:00 pm is the Birthday and Anniversary party, there will be blood pressure checks followed by musical entertainment. Tuesday, September 14 Movie morning with The Video Place and Hy-Vee at 9:00 am and at 2:30 pm will be the Alzheimer’s Support Group meeting. Blood
pressure checks on thursday, September 16 from 11:15 to 12:00 noon. Exercise Time Tuesday, September 21 9:00 am and The Life After Loss Support Group meal meeting is at 5:00 pm. There will be an evening meal on Thursday, September 23 beginning at 6:00 pm with blood pressure checks and entertainment to be announced. There are ongoing computer classes held at the Center through West Central Community Action, the classes are FREE you just need to call Ivy or Aaron at 755-5135 to set up a time. You work at your own level or comfort wouldn’t it be great to be able to email family and friends and you are not too old to learn! The Center is planning a day trip December 3, journeying to Des Moines for the Holly and Ivy tour of Terrace Hill, the Salisbury House, tour the Botanical Gardens, evening meal and enjoy the holiday lights at WaterWorks Park. All admis-
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sions and the evening meal are provided for a mere $55.00. To sign up call the Center 755-2757. There will be a Medicare Parts A, B and D on Tuesday, October 5 from 5:15 to 6:30 pm, this is co-sponsored by Iowa Western Community College, SHIIP(Senior Health Insurance Information Program) and The Senior Center. The place is the Therkildsen Activity Center 706 Victoria St.. This seminar is FREE, but we do require you to register by calling either IWCC 755-3568 or the Center 755-2757.
Please join us for a meal or one of our activities, as this is your Center. until next month. Missouri Valley Senior Center I’ll bet the houses are just too quiet today! I remember when the five girls started school, how quiet it was at home. We always think, about the middle of August we are ready to have them go but then we miss them, too. The meal site was busy all summer. We like it that way however and we are CENTERS/See Page 5
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Friday, August 27, 2010 5
Lots of events going on in southwest Iowa CENTERS/From Page 4
happy to see the people that eat with us every noon. Always have room for more, so call in and reserve the day before by 11:00 and then come to join us. The parties were fun and the entertainment was great. We appreciate our local people that donate their time to visit with us. We already have Ron Halverson coming for the Christmas party. The Luau Party in August was a success (thanks to those that make these special parties happen!) A Halloween party is being planned and these always prove to be great fun. Of course, the Christmas party for the children takes a lot of planning and getting ready for so Chris is on top of this. I am hoping to take a “day ride” again this fall just to notice the beautiful colors that appear. We can always note the harvest in the fall as the farmers finish up their work. Growing up on the farm was such a privilege for me. Sometimes I forget and start talking about “the farm” like my girls should know all about it forgetting that they grew up in Missouri Valley. They kind of give me a “blank stare” – meaning “Mother, we were
not farm girls, we only knew the city.” I know that but sometimes my memories need to be told again, and again, and again! Oakland Senior Center It’s hard to believe that the beginning of fall (and hopefully cooler weather) is just around the corner as I type this article and the weather is seething of tropical-like heat. Our next outing for the Oakland Senior Center will be on Friday, September 3rd as we carpool to Big Grove Country Inn. Owner Penny Wright will be our tour guide and lunch host. We will see her Bed and Breakfast Inn along with the hold country schoolhouse and country church that is part of the property. After the sightseeing we will be served a delicious chicken lunch, complete with gourmet dessert. If you wish to attend this trip, please call the Center at 4823353 by 11:00 a.m. on Wednesday, September 1st. Since Penny has the property up for sale and will be leaving at the end of September, this might be your last chance to visit Big Grove Country inn under Penny’s ownership. Circle your calendars for another fabulous Merrymaker’s performance. The vivacious
and energetic Kim Eames is our musical talent for Thursday, September 9. Kim is a lively personality who performs a variety of musical selections. Reservations for the evening meal need to be called into the Center by 11:00 a.m. on Wednesday, September 8. Our menu for the 5:00 meal is fried chicken. Kim will perform at 6:00 p.m. Newcomers to the Center enjoying the music of the Merrymakers include Ilene Grobe, Doc and LaVinna Blanchard, Shirley Phillips, Lila Fenn and Verla Fulton. Many thanks to the following for phoning, setup, cleanup, and serving for the evening meal: Frances Rollins, Lee Knudson, Dan Barnett, Bob Calhoon, Betty Cleveland, Audrey Hartje, Lois Kueger, Ilene Grobe, Marie Browning, Anne D’Angelo, Neuonia Timberman, Irene Skank and Lucille Palmer. On Wednesday, September 29 Ruby Bently will give us a tour of the newly opened Macedonia Historic Trails Museum and the Stemple Bird Museum. A tour of the Gristmill Theatre is also on the Venue. Reservations for this trip must be made by Tuesday, September at 11:00 a.m. Many thanks for the truckload (literally) of
bread, donuts, and rolls delivered by Lois and Aldon Krueger, and produce from the gardens of Dick and Louise Merkle and Norma Taylor. Attendance winner for the month are: Bob Calhoon, Better Cleveland, Neuonia Timberman, Dan Barnett and Lee Knudson. Some special days of September include: 65th Anniversary of V-J Day, Labor Day, Be Late for Something Day, Jerry Lewis MDA Telethon, Kiss a Bald Head Week, Read a
Book Day, Swap Ideas Day, Grandparent’s Day, National Line Dance Week, Make a Hat Day, Anniversary of the US Constitution, Talk Like a Pirate Day, Ballroom Dance Week, Active Aging Week, Anniversary of the Patent of the Ice Cream Cone, Start of the Fall Season, National Centenarians Day, Good Neighbor Day and Ask a Stupid Question Day. Of course everyday is a special day at your local Senior Centers! Signing off from the Oakland Senior Center!
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Elder abuse facts and figures one should know How many of Americaâ€™s senior citizens are abused in one way or another? The U.S. Department of Justice says a minimum of 1 in 9 (11 percent) have experienced some form of abuse in the past year. Are most cases reported? For every case of elder abuse, neglect, exploitation or self-neglect reported to authorities, it is estimated that at least five more go unreported. Who commits this crime? In almost 90 percent of elder abuse and neglect incidents with a known perpetrator, the offender is a family member. Two-thirds of those are adult children or spouses. How frequent is financial abuse of the elderly? This is regarded as the third-most-common type of abuse that can be substantiated after neglect and emotional and psychological abuse. Figures are surely under-reported,
but the annual financial loss by victims of elder financial abuse is estimated to be at least $2.6 billion. What is the trend? The number of elderly persons in the United States is increasing and so is the number of elder abuse reports. Figures from Adult Protective Services found such reports were up by 16 percent from 2000 to 2004. Death rates? Mistreated elder adults have a risk of death 300 times greater than those who have not been mistreated. Who is at risk? While elder abuse affects seniors across all socioeconomic groups, cultures and races, it is true that women and the very elderly are most likely to be victims. In 2003, about 2 out of every 3 (65.7 percent) abuse victims were women. In 20 of the 50 states, more than 2 in 5 victims (42.8 percent) were 80 years old or older.
â€“ SW8, Sources: The National Council on Aging; the Witness organization
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Friday, August 27, 2010 7
Be wary of these contacts: Phone, mail and at your door Telemarketing phone calls Telemarketers seem to be getting more aggressive and may not give up after you’ve said “no.” Two eastern Iowans have reported receiving calls about purchasing drug discount cards and identity theft protection services, telling the caller “no thanks” during the first call, yet receiving multiple calls afterwards. The additional calls have been more aggressive and even rude in their tone. The business selling ID theft protection even seemed to make a threat that they would “release” personal information about the person (thus, making them more vulnerable to ID theft). Senior Medicare Patrol did some research. Using the Better Business Bureau website, we found that the ID theft protection business is not accredited with the BBB and has complaints on record; SMP has encouraged the person who received this call to file a complaint with the BBB. You can contact Iowa’s BBB at (800) 222-1600 or online at www.bbb.org. By phone they can research a business for you or you can do your own search on their website. Knockin’ at your door Sometimes a knock at the door means your
special neighbor is back in town after vacation and you’re ready to sit down for a long visit. Sometimes a knock at the door means trouble is calling! Last year at this time, SMP received many complaints from persons who reported door to door salesman for home security companies were using deceptive sales practices. Several of these complaints are still being investigated by the Iowa Attorney General. Home security salespeople have been back in town since summer started. In northeast Iowa, citizens have contacted their sheriff’s office to report salespeople lead them to believe their company had been in touch with the sheriff and the sheriff approved the home security sales. This was not the case. There are many things to consider before you buy some product or service from a stranger at your door. But the very first thing you can do is ask
to see the person’s photo identification and their government-issued permit to solicit in your town. Often this is called a “peddler’s permit.” If the person doesn’t have these two things, shut the door! That’s your first line of defense against a bad business deal. Foreign sweepstakes and the grandparent scam What do sweepstakes and “grandparent scam” calls have in common? The scam artists will not stop with these scams. SMP has heard more reports from around the state. Letters are sent from a foreign lottery or sweepstakes advising you’ve won thousands or millions of dollars and instructing you to call to learn how to claim the money. Recently an older Iowan got such a letter, had a phone conversation and was told to wire $450 in order the claim the money. The scam
artist was even able to tell her how to get to the nearest Western Union office. Thankfully she had second thoughts and didn’t send money. In northwest Iowa a woman received a call from someone claiming to be her grandson who’d been in a car accident and needed money. The caller even knew her grandson’s name. She had heard of this scam and didn’t fall for
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etter Living (Senior Courier) is a publication of The Daily Nonpareil and Southwest 8 Senior Services, Inc., the Area Agency on Aging for southwest Iowa. The publication is distributed by The Daily Nonpareil to approximately 17,000 households in Pottawattamie, Mills and Harrison counties. An additional 8,000 copies are distributed through a volunteer distribution network to people age 60 and older in Cass, Fremont, Mills,
Montgomery, Page and Shelby counties in Iowa. Address all correspondence to: Better Living/Courier Coordinator, Southwest 8 Senior Services, 300 W. Broadway, Suite 240, Council Bluffs, IA 51503; or call (712) 3282540 or toll-free at (800) 432-9209; or you can contact us via the Web at www.southwest8.org Advertising Information The Daily Nonpareil of Council Bluffs represents the Better Living
section. Advertising rates are available by contacting retail advertising at (712) 3281811. The advertising deadline for the next issue is the 13th day of the month prior to the running of the ad. Southwest 8 Board of Directors Harrison: Bonnie Shannon – 2010; Shelby: Dwight Zimmerman – 2010; Pottawattamie: Robert Neumann – 2011; Cass: Burton Conn – 2010; Mills: Terry Amburn – 2011; Montgomery:
Bob Crouse – 2010; Fremont: Open; Page: Leo Humphrey. Southwest 8 Advisory Council Cass County: Kris Wernimont – 2010; Dorothy Teig – 2011; Fremont County: Howard Braman – 2011; Open; Harrison County: Keith Oliver – 2010; Open, Mills County: Sheri Bowen – 2010; Rose M. Schoening – 2011; Montgomery County: Open; Page County: Charles Hooper – 2010; Sue Witthoft – 2011 Pottawat-
tamie County: (Metro Council Bluffs): Jean Palensky – 2010; George Gillespie – 2010; Shirley Benish – 2011; Nancy Coziahr – 2011; Ralph Smith – 2011; (Rural Pott County): Ginny Pendgraft – 2010; Gale Brown – 2011 Shelby County: Jan Stuhr – 2011; Open.
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AREA SENIOR CENTERS Council Bluffs at The Center 714 S. Main St. (712) 323-5995 M-F 12 p.m.
Atlantic Senior Center 411 Walnut St. (712) 243-3599 M–F 9 a.m. to 4p.m.; Meals served Tues./Wed./Thurs., 11:30 a.m. * Call for menu Dunlap Senior Center 619 Iowa St. (712) 643-2244 M-F 12 p.m. Malvern Sr. Center 201 East Fourth St. (712) 624-8985 M-F 11:30 a.m.
Glenwood Sr. Center 20 N. Vine St. (712) 527-4213 M-F 11:30 a.m.
Missouri Valley Senior Center 100 S. Fourth St. (712) 642-3215 M-F 11:30 a.m.
Shenandoah Senior Activity Center 405 W. Sheridan Ave. (712) 246-2002 M/W/Thurs. 10 a.m. to 12 p.m.; Tue./Fri./Sat. 1 to 4 p.m.
Carter Lake Sr. Center 626 E. Locust St. (712) 347-6102 M-W, F 12 p.m. Thurs. 5 p.m.
Hamburg Senior Center 1008 Main St. (712) 382-1670 Mon/Wed/Fri 12 p.m.
Neola Senior Center 110 Fourth St. (712) 485-2179 M-F 12 p.m.
Sidney Senior Center 2820 N. Ridge Road (712) 374-3053 M-F 12 p.m.
Harlan Senior Center 706 Victoria (712) 755-2757 M-F 12 p.m.
Oakland Senior Center 618 N. Hwy (712) 482-3353 M-F 12 p.m.
Stanton Senior Center 326 Broad Ave. (712) 829-2782 Tue./Wed./Thurs. 11:45 a.m.
Cumberland Senior Center 109 Main St. (712) 774-5727 M-F 11:30 a.m.
Clarinda Senior Center 1140 E. Main St. (712) 542-2932 M-F 11:30 a.m.
Logan Senior Center 108 West Fourth St. (712) 644-2229 M-F 12 p.m.
Irwin Senior Center 520 Ann St. (712) 782-3367 M-F 11:30 a.m.
Red Oak Senior Center 109 E. Washington (712) 623-3497 M-F 12 p.m.
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Villisca Senior Center 312 S. Third Ave. (712) 826-5182 M-F 11:30 a.m.
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The Daily Nonpareil
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The Daily Nonpareil
Friday, August 27, 2010 11
Rice & Roses ❊ Birthdays ❊ Birthdays ❊ Birthdays ❊ Birthdays ❊ Birthdays ❊ Birthdays ❊ 2nd 3rd 4th 4th 6th 6th 6th 9th 10th 10th 11th 11th 11th 12th 12th 13th 13th 14th 15th 16th 17th 17th
Dorothy Hamman Raymond Eitzen Vince Blum Enola Peterson Beverly Barlow Opal Scott Dwayne Shearer Normal Bladt Loretta Jensen Ray Lyman Theresa Henscheid Fredyne Rusk Mazxine Watts Larrin Mathews Dorothy Thomas Betty Baldwin Francis Cross Joan Boggess Pat Jensen Janice Harris Janet Early Wilma Leaders
1st 2nd 2nd 6th
81yrs. 83yrs. 86yrs. 84yrs. 84yrs. 95yrs. 80yrs. 85yrs. 82yrs. 87yrs. 81yrs. 83yrs. 90yrs. 86yrs. 89yrs. 88yrs. 90yrs. 84yrs. 81yrs. 87yrs. 83yrs. 89yrs.
Jim & Donna Glenn Don & Norma Scanlan Barney & Valarie Zimmerman Dwight & Jerry Vennerburg
18th 18th 19th 20th 20th 21st 21st 21st 22nd 24th 25th 25th 26th 26th 26th 26th 27th 28th 28th 29th 30th
Red Oak Villisca Earling Stanton Clarinda Villisca Red Oak Shelby Neola Dunlap Westphalia Villisca Mo. Valley Oakland Villisca Neola Neola Villisca Shelby Oakland Harlan Oakland 53yrs. 61yrs. 63yrs. 57yrs.
FEELING EXHAUSTED? Drumming up business is hard work. Take a quick catnap while we help you get the word out!
CALL TO ADVERTISE:
Halloween n Ghostt Tour Saturday, October 30th
Come along to Atchison – “The Most Haunted Town in Kansas” – Tour a house haunted by two ghosts – Eat lunch in a haunted restaurant – Take a guided “Haunted Atchison Tour” – Visit with 2 paranormal researchers with us on the trip – Learn how they conduct investigations & see the equipment they use
Omaha/Council Bluffs 366-9596 • Toll Free 877-366-9596 www.fontenelletours.com • Bring a Friend!
Mel Bissen Darlene Kern Nadine Johnson Louise Holt Kenneth Kernen Joyce Cook Phyllis Evans Bonnie Garey Marlie Means Twlya Schnack Isabel Bloomfield Don Scanlan Sarah Depew Ruby Johnson Arlene Matheny Dorothy Petersen Ruth Whitaker Irene Christensen Ida Goff Jennie Hunt Ralph Crouch
Sidney Nodaway Earling Stanton
7th 10th 13th 14th
94yrs. 82yrs. 84yrs. 86yrs. 86yrs. 80yrs. 84yrs. 81yrs. 94yrs. 96yrs. 84yrs. 82yrs. 85yrs. 97yrs. 91yrs. 87yrs. 88yrs. 95yrs. 87yrs. 82yrs. 80yrs.
Luther & Jene Gammon Marcus & Naomi Gross Pat & Bill Penn Bill & Daisy Dunn
Dunlap Neola Villisca Sidney Villisca Neola Shelby Villisca Villisca Harlan Clarinda Nodaway Clarinda Sidney Clarinda Harlan Clarinda Harlan Clarinda Glenwood Glenwood
Anniversaries 53yrs. 63yrs. 58yrs. 61yrs.
Glenwood Harlan Sidney Villisca
CORPORATE BOND GENERAL ELECTRIC CORPORATION GENERAL ELECTRIC CAPITALCAPITAL CORPORATION
4.27% 5.083%* (YIELDTOTO MATURITY) (YIELD MATURITY)
*Based on price of 110.089 as of 8/10/2010, maturity 5/4/2020. *Based on bond price of 103.192 as of 3/1/10, maturity Quality rating of AA+ from Standard & Poors. 4.27% yield to 1/8/20. Quality rating of AA+ from Standard & Poor’s. maturity with face coupon of yield 5.55%. Subject to availability and Current 5.083% with face coupon of 5.25%. Subject to a availability and change in price. change in price. Market risk is consideration if sold priorMarket to risk maturity. Noncallable is a consideration if sold prior to maturity. Noncallable
For L. More Information, Call RogerofCarlon Roger Carlon, Investment Centers America Investment Representative Located at Security National Bank 29 29 S. Main Ste Suite 2, Council Bluffs, Bluffs, IA 51503 S. Main, 2, Council IA 51503 402-449-0942 (402) 449-0942 Investment Centers of America, Inc. (ICA), member FINRA, SIPC, a Registered Investment Advisor, is not affiliated with Security National Bank. Securities, advisory services,and insurance products are offered through ICA and affiliated insurance agencies and are *not insured by the FDIC or any other Federal Government agency *not a deposit or other obligation of, or guaranteed by any bank *subject to risks including the possible loss of principal amount invested.
12 Friday, August 27, 2010
The Daily Nonpareil
SENIOR CENTER MENU SEPTEMBER TUE
Meatloaf in Onion Gravy, Baby Red Potaotes, Corn, Bread, Cranberry Muffin
Grilled Turkey Burger, Oroweat Sandwich Thins, Ranch Whip Potatoes, Cowboy Caviar, Fresh Orange
20 Salisbury Steak with Mushroom Gravy, Baked Potato, Brussel Sprouts, Oroweat Fiber Bread, Oatmeal Raisin Cookie
27 Beef Macaroni Casserole, Green & Gold Beans, Apple Juice Cup, Oroweat Fiber Bread, Lemon Bar
14 Creamed Chicken over Wild Rice, Mixed Vegetables, Spinach Side Salad, Whole Wheat Roll, Red Seedless Grapes
21 Spaghetti & Meat Sauce, Italian Vegetables, Spinach Side Salad, Bread Stick, Emerald Pears
1 Meatballs in Gravy, Baked Potato, California Blend Vegetables, Oroweat Bread, Apricot Halves
Macaroni and Cheese, Stewed Tomato with Breadcrumbs, Spinach Side Salad. Oroweat Bread, Banana
Housekeeping • Meal Prep Personal Care • Errands www.caretechinc.com
All meals include coffee and 2% or skim milk. Please make reservations one day in advance. Modified diets may be requested when making reservations. Bring a friend!
Labor Day (Closed for Holiday)
In-Home Caregivers • (800) 991-7006
BBQ Pork Rib Pattyon Hoagie Bun, Sliced Red Onions, Scalloped Potatoes, Oregon Blend Vegetables, Fresh Orange
15 Country Fried Steak With Country Gravy, Baby Red Potatoes, Seasoned Greens, Bread, Strawberry Pears
22 Chicken Salad Sandwich, Oroweat Fiber Bread, Sweet Potato Fries, Vegetable Pasta Salad, Cubed Canteloupe
Breaded Pork Fritter, Leaf Lettuce / Sliced Onion, Oroweat Sandwich Thins, Baked Sweet Potatoes, Broccoli Red Seedless Grapes
Western Omelet, Tater Rounds, Orange Juice Cup, Fresh Baked Biscuit with Gravy, Applesauce
3 Deluxe Hamburger, Leaf Lettuce & Tomato, Oroweat Sandwich Thins, Potato Salad, Cowboy Caviar, Watermelon
9 Fried Chicken, Baked Sweet Potatoes, Spinach, Oroweat Fiber Bread, Birthday Cake Happy Birthday!
10 Lasagna Casserole, Italian Vegetables, Shred Lettuce Salad, Vienna Bread, Fruit Cocktail
16 Hearty Ham Shanks In Northern Beans, Cinnamon Pears, Corn Bread Muffin, Lemon Pudding
17 Liver & Onions in Gravy Or Hamburger in Gravy, Mashed Potatoes, Creamed Corn, Oroweat Bread, Pumpkin Bar
23 Pork Loin in Gravy, Mashed Potatoes, Glazed Baby Beets, Oroweat Fiber Bread, Tapioca Pudding
30 Breaded Fish Wedge, Scalloped Potatoes, Three Bean Salad, Cinnamon Raisin Bread, Double Strawberry Jell-O
24 Taco Salad, Tortilla Chips, Diced Peaches, Cottage Cheese
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