Page 1

April 2014

Better ng i v Li Money Matters: April is Financial Literacy Month See Page 2

Caregivers: Let spring inspire and refresh you See Page 6

A special supplement to The Daily Nonpareil

See what’s cookin’ at your area Senior Center See Page 11

Better Living

2 Friday, March 28, 2014

The Daily Nonpareil


April is Financial Literacy Month Today, a majority of consumers are experiencing some sort of financial difficulty causing a significant impact on their everyday lives. In fact, Americans carry more than $2 trillion in consumer debt and 30 percent of consumers report having no extra cash; making it impossible to escape the burden of living paycheck to paycheck. April has been declared National Financial Literacy Month; and for good reason. Too many Americans are insufficiently educated about their personal finances. In honor of Financial Literacy Month, the experts at Money Management International created They have developed materials that cover a wide range of topics; all to help educate you in making the most of your money and achieve financial wellness. For Financial Literacy Month we’re providing information on two topics of interest to Baby Boomers who are saving for their own retirement and possibly dealing with their parents’ financial situation. If you are getting close to retirement and don’t feel comfortable with the amount of money you have saved, Money Management Interna-

tional offers the following strategies you can use to catch-up. (www. • Catch up retirement contributions – If you are 50 or over, and are currently participating in a 401(k) plan, you may be eligible to make catchup contributions to your 401(k). Catch-up contribution provisions also exist for those who contribute to IRAs. For more information, visit www. • Save extra in nonretirement accounts – You can also save extra money in your other, non-retirement accounts for later use. Revisit your budget, and see where there are areas that you can cut back in order to free up extra money for savings. You could also

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take another job now, or find other ways to create more income. • Change your retirement investment strategy – Another way you can work to increase your retirement investments is to revisit your investment strategy. Consider consulting with a personal finance professional to discuss your investment options. Seniors should review their investment strategies and rebalance their accounts at least once per year. • Postpone your retirement – Working even one year longer than planned can make a big financial

difference. You might also consider working in a different capacity, such as becoming a consultant. Don’t rule out the possibility of embarking on an entirely different career path. Are you assisting aging parents? This can be a financial stress on you, so it’s important that you figure out a plan that helps both your parents and yourself. As with most important financial and personal situations, it’s essential that you and your spouse be in

agreem e n t with how to assist your parents with money management. Analyzing your parents’ financial situation When helping aging parents with their finances, the first step is to understand exactly what their current FINANCES/See Page 4

Better Living Senior Medicare Patrol monthly news you can use

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“Fraud Watch Network” at AARP Scam artists get smarter and more clever! AARP now has a “Fraud Watch Network” that can help you learn the latest in scams happening all around the U.S. At, click on the “money” tab and look for “scams and fraud.” “The AARP Fraud Watch Network gives you access to information about how to protect yourself and your family,” according to their website. You can sign up for free “watchdog alerts” sent by e-mail, whether you are an AARP member or not. If you don’t use the Internet, ask your family or a friend to sign up for these alerts so they can give you the information each month. Why would you want to read these messages? Because they may help you stay one step ahead of scammers and you can help protect your friends by sharing information with them. Don’t forget your grandchildren! The Federal Trade Commission just released the top ten complaints for last year; they say that the most common age group for reports of identity theft is ages 20 – 29! ( from Feb. 27, 2014.) The latest news from the Fraud Watch Network gives tips about how to figure out if

Friday, March 28, 2014

things that happen on your computer and e-mail are dangerous – like “pop-up” advertisements and free trial offers. So while you are waiting to go outside until the spring rains and mud are gone, consider signing up for this informative newsletter. Financial scam attempts in Iowa Iowa Senior Medicare Patrol has received reports of these scam attempts occurring in Iowa now. • Recorded calls say they are from your credit card company, that your card has been blocked or deactivated and asks you to

punch a number on your phone to connect to speak to someone. The person who received this call verified with their credit card bank that they did not call her. If you punch a number during a recorded call you might be directed to an international location and receive a big charge on your phone bill or your phone number may go on a list indicating you are likely to fall for a scam and that list will be bought and sold over and over again. Read on: • Caller tells you that your name and number were found in a database that scammers use to find victims. The caller didn’t try to obtain personal information on the phone but suggested the person who received the call should check out a website to learn more. This is very suspicious; if you visit a website given to you under these circumstances, it might install a virus on your computer. • An e-mail arrived that looks like it came

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from someone you know. The message states that they are stranded or in a crisis away from home and need you to wire money to help them. Some of these scams are new themes and some are old ones. Here are the tips: • For the first story about the credit card, you should hang up the call, find your records for the phone number of your credit card company and call them to ask if there’s a problem with your account. • For the second story about getting a “warning” call that advises you to go to your computer and look at a website, you should not go to websites that you don’t know or that are given to you by a stranger. • For the third story about the emergency e-mail, you should contact someone else who knows the person whose name is on the e-mail and ask if your acquaintance is out of town and in trouble. And you should never wire money when you can’t confirm that the need is legiti-


mate. There is almost no chance that you will ever get your money back. You should tell your local police or sheriff when these scam attempts happen so they can warn others in your community or file a report if you become a victim. You should also consider filing complaints with other authorities like the Iowa Attorney General, the Federal Trade Commission, and the Internet Crime Complaint Center. Contact Iowa Senior Medicare Patrol for a brochure that lists this contact information; call us at 1 (800) 423-2449.

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Better Living April is Financial Spouses and Social Security Learn the best benefit options for you Literacy Month

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FINANCES/From Page 2

financial situation is. This discussion is easier if your parents live close to you, but regardless of their residence, talk to them about their finances in person. Understand what bills your parents currently have and whether they are being paid on time, as well as what their savings and revenues are. If everything is in order and your parents aren’t overwhelmed taking care of things on their own, then you probably only need to check on them periodically. However, if your parents are having financial difficulties, it’s in your family’s best interest to identify the problem and work toward a solution. Determine if the problem is with cash flow, or with the work required to actually pay the bills. These are two very different problems, with very different solutions. When the problem is lacking the financial means If your parents do not have the financial means to cover their bills, you’ll have to consider some options, such as selling their home or taking out a reverse mortgage. There is also some financial assistance for seniors available.

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The National Council on Aging has set up a website that offers information on benefits available to seniors. Look into all options before choosing the one that’s best for your family. When the problem is the work required to pay the bills Your parents may have the financial means to cover their bills, but could have difficulty with the amount of organization and work required to pay their bills and manage their investments appropriately. In that case, you or another family member may want to consider taking over bill payments. You could set up automatic bill pay for most of the bills, and manually pay the others. For financial advice, consider hiring a personal financial planner. Regardless of the current situation and solution, you or another family member need to continually assess your parents’ financial standing, as it could change even in a short period of time. Keeping the lines of communication open is the best way to ensure you help manage their situation, and avoid any financial penalties from late payments.

If you have a spouse who does not earn an income or who earns less than you do, your spouse (including a same-sex spouse) may be entitled to Social Security spouses’ benefits based on your record. Social Security can be an important financial asset for married couples when the time comes to apply for retirement benefits. In many cases, one spouse may have earned significantly more than the other, or may have worked longer. Or it could be that one spouse stayed home to do the work of raising the children, caring for elderly family members, or managing the household while the other focused on a career. Whatever your situation, Social Security will look at all possibilities to make sure both spouses receive the maximum Social Security benefits possible, whether based on each spouse’s earnings record or the higher wage-earner’s record. Your spouse can apply for benefits the same way that you apply for benefits on your own record. He or she can apply for reduced benefits as early as age 62, or for 100 percent of the full retirement benefits at “full retirement age.” Not sure what the full retirement ages are? To learn your and your spouse’s full retirement

ages, based on birth year, visit The benefit amount your spouse can receive at full retirement age can be as much as one half of your full benefit. If your spouse opts for early retirement, the benefit may be as little as a third of your full benefit amount. Note that benefits paid to your spouse do not decrease your benefit amount. If you have already reached full retirement age but continue to work, you can apply for retirement benefits and request to have the payments suspended until as late as age 70. This would let you earn delayed retirement credits that will mean higher payments later, but still would allow your spouse to receive a spouse’s benefit. People can also apply for spouse benefits

based on the earnings record of an ex-spouse or deceased spouse if married for at least 10 years. Spouses can consider a number of options and variables. We make it easier to navigate them. A good place to start is by visiting our benefits planner at Take note of the “Benefits As A Spouse” section. If you are ready to apply for benefits, the fastest, easiest, and most convenient way is to apply online. You can do so at and complete your application in as little as 15 minutes. Due to a Supreme Court decision, we now are able to pay benefits to some same-sex couples. We encourage people who think they may be eligible to apply now. Learn more at same-sexcouples.

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Better Living

Friday, March 28, 2014


Attorney General: your credit report and credit score Your credit report and credit score are the keys to you getting a credit card, a home or car loan, an apartment, insurance, a job, or simply a better interest rate. A credit report includes information about your financial history. The information includes where you have lived, how you’ve paid your bills, and whether you’ve defaulted – including missed payments, repossessions, foreclosures, tax liens and bankruptcies. A credit score is a credit reporting company’s three-digit scoring system that creditors use to help determine whether to give you credit and, if so, what kind of credit terms. Because so much rides on your credit history – especially if something is incorrect – you should periodically check your credit report, especially several months prior to obtaining a mortgage, refinancing, or car loan. Getting your credit report: The law entitles you to one free credit report per year from each credit reporting company: Equifax, Experian, and TransUnion. To obtain your free reports: • Online: This is the only official website for ordering your free credit report. • Phone: 1 (877) 3228228 (toll-free) • Mail: Complete the Annual Credit Report Request Form, avail-

able at credit, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may request free reports from all three credit reporting companies at the same time. You may also choose to rotate your requests to the three companies once every four months, which enables you to monitor your credit throughout the year. You should periodically review your credit report to make sure it is accurate and complete. Monitoring your credit report also helps you ensure that someone has not sought credit or opened accounts under your name. If there are errors: Under federal law, credit reporting companies – and those who provide information to them – are responsible for correcting inaccurate or incomplete information in your credit report. If you find an error, tell the credit reporting company, in writing, what information you think is inaccurate. Credit reporting companies must investigate the items in question –

Negative information: Credit reporting companies can include most accurate negative information for seven years and bankruptcy information for ten years. There is no time limit on reporting information about criminal convicusually within 30 days tions. Information about – unless they consider a lawsuit or an unpaid your dispute frivolous. judgment against you The credit reporting can be reported for company is required seven years or until the to correct, complete, or statute of limitations delete any information runs out, whichever is that is erroneous, incom- longer. plete, or unverified. Credit Score: Your The company must give credit score is based you the written results on your credit history. and a free copy of your Errors in your credit report if the dispute report can adversely results in a change. affect your credit score, If an item is changed which lenders use to or deleted, the credit evaluate you as a borreporting company can- rower. You are entitled not put the disputed under the law to access information back in your your credit score from file unless the informathe national credit tion provider verifies reporting companies. that it is accurate and The companies are complete.

allowed to charge a reasonable fee for providing your score. Improving Your Credit Score: Credit reporting companies develop their own credit scoring formulas. Since your credit score is based on your credit history, your financial track record determines whether your score goes up or down. Pay your bills on time, establish credit but don’t apply for too many credit accounts or credit cards, and don’t max out your credit limits. Keep your balances as low as possible. – Attorney General Tom Miller.

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Caregivers: Let spring inspire and refresh you Here are some helpful stress relief tips for caregivers: • Ask for and accept help. Be prepared with a mental list of ways that others can help you, and let the helper choose what they would like to do. For instance, one person might be happy to take the person you care for on a walk a couple times a week. Someone else might be glad to pick up some groceries for you. • If you need financial help taking care of a relative, don’t be afraid to ask family members to contribute their fair share. • Say “no” to requests that are draining, such as hosting holiday meals. • Don’t feel guilty that you are not a “perfect” caregiver. Just as there is no “perfect parent,” there is no such

thing as a “perfect caregiver.” You’re doing the best you can. • Identify what you can and cannot change. You may not be able to change someone else’s behavior, but you can change the way that you react to it. • Set realistic goals. Break large tasks into smaller steps that you can do one at a time. • Prioritize, make lists, and establish a

daily routine. • Stay in touch with family and friends. • Join a support group for caregivers in your situation, such as caring for someone with dementia. Besides being a great way to make new friends, you can also pick up some caregiving tips from others who are facing the same problems you are. • Make time each week to do something

that you want to do, such as going to a movie. • Try to find time to be physically active on most days of the week, eat a healthy diet, and get enough sleep. • See your doctor for a checkup. Tell them that you are a caregiver and tell them about any symptoms of depression or sickness you may be having. • Try to keep your

sense of humor. • If you work outside the home and are feeling overwhelmed, consider taking a break from your job. Employees covered under the federal Family and Medical Leave Act may be able to take up to 12 weeks of unpaid leave per year to care for relatives. Ask your human resources office about options for unpaid leave. –

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Friday, March 28, 2014


Connections AAA Office News & Events

Iowa Legal Aid helps with pension problems Iowa Legal Aid provides FREE help with your pension issues! You can call our toll-free number at 1 (800) 992-8161. Des Moines area residents can also call 282-8161. The Pension Rights Project provides help with employer, union and government pensions. This includes traditional defined benefit plans as well as plans like 401(k)s. Services include: • Contacting pension administrators on your behalf; • Finding “lost” pension funds when companies merge or go out of business; • Helping you apply for your benefits; • Helping with appeals if your pension is denied; • Getting survivor benefits; • Checking benefit calculations; • Assisting with pension issues in divorces; • Sending out information about pension issues. The Services are free to all Iowans without regard to age or finances Pension Rights Project is partially funded by the U.S. Administration on Aging.


Council Bluffs The Grandparents Raising Grandchildren Support Group meets the first Monday of the month from 5:30 to 6:30 p.m. at Connections Area Agency on Aging, 300 W. Broadway, suite 240, Council Bluffs. Creston The Creston office will be participating with an informational booth at the Home & Garden Show on March 29 from 10 a.m. to 3 p.m. at the Southern Prairie YMCA and at the Graceland University Health Fair on April 8 from 10 a.m. to 2 p.m. at the University’s student center in Lamoni, Iowa. The Alzheimer’s Caregiver Support Group meets the first Wednesday of the month from 2 to 3 p.m. at Prairie View Assisted Living Community, 1709 W. Prairie, Creston. Sioux City First Friday Coffee: Welcome to Medicare is

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a monthly seminar held at the Sioux City office the first Friday of each month. This informational presentation is for new Medicare beneficiaries. The next event will be on March 7 from 1:30 to 4 p.m. Call (712) 2796900 to register. Rent reimbursement assistance in underway for those over 60 who qualify for the Iowa


Department of Revenue program. Application deadline is June 1. Call (712) 279-6900 or 1 (800) 432-9209 for more information or to make an appointment. The Caregiver Support Group meets the third Thursday of each month from 1:30 to 2:30 p.m. at Sunrise Retirement Community, 5501 Gordon Drive, Sioux City.

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Better Living

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Senior Centers/Meal Sites Centers follow the menus on page 11 of the Better Living Courier. Please contact your local center or meal site for the suggested contribution rate for individuals age 60 or older. Please make meal reservations one day in advance. Region 1, Sioux City: Aurelia – (712) 279-6900; Akron – (712) 5683120; Centennial Manor Apts. – (712) 2796900; Cherokee Community – (712) 2796900; Correctionville City Hall – (712) 372-4791; Fairmount Park – (712) 279-6900; Galva – (712) 2796900; Holstein Good Samaritan Ctr. – (712) 279-6900; Ida Grove Comm. Ctr. – (712) 3642498; Le Mars Sr. Center – (712) 546-6740; Mapleton Comm. Center – (712) 8811032; Marcus Sr. Citizen Center – (712) 3764495; Merrill Civic Center – (712) 938-2503; Moville Sr. Center – (712) 873-3095; Onawa Sr. Center – (712) 423-3066; Remsen Beck Park Shelter – (712) 786-

2044; Riverside Lutheran Church – (712) 279-6900; Sgt. Bluff Sr. Center – (712) 943-4669; Sloan Café – (712) 428-6200; Ute Senior Center – (712) 885-2228; Whiting – Good Time Charlie’s – (712) 455-2225. Region 2, Council Bluffs: Atlantic – (712) 243-3599; Council Bluffs at The Center – (712) 323-5995; Carter Lake – (712) 347-6102; Clarinda – (712) 542-2932; Dunlap – (712) 643-2244; Glenwood – (712) 527-4213; Harlan – (712) 7552757; Irwin – (712) 7823367; Logan – (712) 6442229; Malvern – (712) 624-8985; Missouri Valley – (712) 642-3215; Neola – (712) 4852179;

Oakland – (712) 482-3353; Red Oak – (712) 623-3497; Sidney – (712) 3743053; Stanton – (712) 826-2782; Villisca – (712) 826-5182; Woodbine – (712) 647-3011. Region 3, Creston: Adair – (641) 7425202; Bedford – (712) 523-3522; Clearfield – (641) 782-4040; Corning – (641) 322-4608; Creston – (641) 782-2447; Greenfield – (641) 743-8907; Lamoni – (641)

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Better Living

Friday, March 28, 2014


These dog breeds are especially compatible with seniors Pets often make ideal companions. They are around when a person needs support, they can provide protection for those living alone, they’re always willing to lend an ear to problems, and many tend to offer unconditional love. Seniors facing an empty nest or the loss of a spouse may find pets can buoy their spirits. Studies have shown that seniors can benefit both mentally and physically from having a pet around. Pets can alleviate anxiety, depression and boredom. While pets can provide comfort and companionship, they remain a significant responsibility. Seniors should find an animal that will fit in with their lifestyles. This is an important consideration for those seniors who travel frequently or have mobility issues. In addition, men and women living in senior communities or assisted living facilities should determine if there are any pet restrictions in place. When selecting a dog, consider both size and temperament. Smaller dogs tend to be easier to handle and will need less maintenance. They are easily carried and won’t take as long to bathe and groom. Smaller dogs also consume less food than larger breeds, reducing the expense of dog food and the hassle of wrangling large, heavy bags of chow. Temperament is also important, as some breeds tend to be more easygoing than others.

The loyalty and intelligence of Schnauzers makes them ideal companions. Larger breeds may be preferable to a smaller breeds, which tend to be hyperactive. However, always remember there are pros and cons to each breed, and each dog will demonstrate his own personality traits. The

following are some dogs that can be especially compatible with seniors. • Pug: Equally playful and willing to be a lap dog, the pug requires little exercise and grooming. The breed is typically nonaggressive and submissive. Pugs are goodnatured and playful; they don’t often bark and are easy to train. • Shih Tzu: The Shih Tzu lives for attention, but this breed can be dominant and difficult to train. The Shih Tzu will be alert to its surroundings and, despite its small stature, can be a good watchdog.

• Pomeranian: Pomeranians look like big balls of fur and can bring a smile to an owner’s face. The breed tends to be perky, can display dominance and can be difficult to train. Because Pomeranians can be dog-aggressive, they may be best as the only pet in the house. • Yorkshire terrier: The Yorkie is a diminutive breed in size only, as they tend to have exuberant personalities that dwarf their stature. The ideal lap dog, Yorkies want to lie around and lounge, though some do like to bark. If the fur is kept short in a “puppy

cut,” the dog can be easy to maintain. • Pembroke Welsh Corgi: This medium-sized dog hails from Wales and typically requires only moderate exercise and little grooming. They are easy to train and moderately dominant. They don’t bark excessively, and they often get along with other dogs. • Schnauzer: Available in three sizes, Schnauzers are good companions and protectors. This is an intelligent and loyal breed and will need to be kept amused to stave off boredom. – Metro Creative Connection.

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Better Living

10 Friday, March 28, 2014

The Daily Nonpareil

Better Living Better Living (Senior Courier) is a publication of The Daily Nonpareil and Connections Area Agency on Aging. 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 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, Connections Area Agency on Aging, 300 W. Broadway, Suite 240, Council Bluffs, IA 51503; or call (712) 3282540 or toll-free at 1 (800) 432-9209; or you can contact us via the Web at Advertising Information The Daily Nonpareil of Council Bluffs represents the Better Living section. Advertising rates are available by contacting retail advertising at (712) 328-1811. The advertising deadline for the next issue is the 13th day of the month prior to the running of the ad.

field, Vice-Chair; Michael Donlin, Le Tabor, Director; Connections AAA Lorraine Davis, Ida Mars, Director; Karl McCarty, Prescott, Board of Directors Bonnie Godden, Bed- Director; Terry Amburn, Glen- Grove, Secretary; Gary Frederiksen, ford, Director; wood, Chairman; Ike Rayford, Sioux City, Christina Hankins, Director. John Twombly, Green- Council Bluffs, Treasurer;

LEGAL SERVICES DIRECTORY Consult these local attorneys for all your legal needs.












Attorneys At Law 25 Main Place, Suite 200 • Council Bluffs Charles L. Walter P. Thomas Charles L. Smith Smith Shannon Dell ‘Orfano Simpson Jack E. E. Ruesch Shannon Dell ‘Orfano Simpson Jack Ruesch Nicole Hughes Engelhardt Walter P. Thomas Nicole Aimee L. Lowe All Attorneys Licensed in Iowa & Nebraska

325-9000 • The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is required by rule of the Supreme Court of Iowa. A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist or expert in an indicated field of law practice, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer. All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa.

Better Living

The Daily Nonpareil

Friday, March 28, 2014


Senior Center Menu April MON


All meals include coffee and 2% or skim milk.

Hamburger patty in gravy mashed potatoes mixed vegetables wheat bread fruited cake

Italian goulash Italian vegetable blend dinner roll fresh orange



Chicken tetrazzini spinach Italian blend vegetables bread stick banana


Meatball sub with spaghetti sauce hot dog bun mashed potato Brussels sprouts strawberry shortcake


Hamburger stew with stew vegetable blend mixed vegetables dinner roll fresh orange oatmeal cookie



Diced chicken with California blend vegetables in cheese sauce baked potato dinner roll applesauce


Hamburger gravy over mashed potatoes green beans peach cobbler dinner roll


Grilled chicken breast leaf lettuce and tomato WG hamburger bun brown rice green and gold beans banana

Baked chicken 1/2 baked potato sliced beets applesauce dinner roll




Meaty chili with kidney beans green beans corn bread muffin applesauce



Roast beef in gravy mashed potatoes Japanese vegetable blend wheat berry roll Birthday cake/white cake


BBQ pork rib hot dog bun succotash carrots Mandarin oranges


Spaghetti with meat sauce Italian blend vegetables spinach WG bread stick plums


Sloppy Joe whole grain bun mashed sweet potato Brussels sprouts fruit cocktail


Salisbury steak with onion gravy mashed potatoes stewed tomatoes salt free bread Mandarin oranges



Hearty ham shanks in northern beans broccoli dinner roll plums


Chicken breast in Supreme sauce baby red potatoes Oregon blend vegetables WG wheat bread plums


White chicken chili with great northern beans cut corn side salad with dressing dinner roll Mandarin oranges

Tuna and noodles spinach dinner roll banana



Fish sandwich WG hamburger bun Oregon blend vegetables pears peas tarter sauce


Breaded fish wedge tarter sauce 1/2 baked potato Oregon blend vegetables pears


Meatloaf in onion gravy 1/2 baked potato Califonia blend vegetable SF bread peaches

Please make reservations one day in advance. Modified diets may be requested when making reservations. Bring a friend!

12 Friday, March 28, 2014

Better Living

The Daily Nonpareil


arr, MD Maarraar, mM Isam Isa

WELCOME! Our Health Care Services: • Family Medicine from Newborns to Elderly rly • Int Internal ternal M Medicine edicin • Endocrinology • Diabetes • Women’s Health Care • On Site X-Ray & Dexa Scan Scheduled Appointments: A P a , ARN O an, Theresa Oltm

Monday-Friday 8:00 a.m.-4:00 p.m. Same day appointments available Walk-In Clinic: Monday-Thursday 5:00 p.m.-7:00 p.m. Saturday 9:00 a.m.-1:00 p.m.

John Urbanski, FNP/B P C


11701 W. Broadway • Council Bluffs, IA 51501 •

Better Living, April 2014  
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