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A supplement to the The Woodbine Twiner & Logan Herald-Observer

R&D Rolloff Dumpsters, L.L.C.

Residential • Commercial • Construction

Specializing in

16 yrd • 23 yrd • 29 yrd Ron Haag & Dan Vandemark, Owners Serving Harrison & Surrounding Counties 1948 Perry Trail • Woodbine, IA 51579

712-592-0175 Email: rdrolloffdumpsters@aol.com

How to choose a dumpster provider Timing is important In August of 2011 Dan Vandemark and Ron Haag, both of Woodbine, started their own local dumpster business. R& D Rolloff has been expanding since that 2011 opening. They have been watching the number of their bright orange units spring up across town and Harrison County. Also the dumpsters can be seen in surrounding counties. Metal skills count “Dan can do anything with metal,” Haag said.” I just follow his lead. We have done everything from fix a posthole digger truck owned by a contractor from Oklahoma doing work for the R.E.C. to building a bike and cooler carrier for mobile homes, vans or pickups. With increased demand for their dumpsters they concentrate completely on that business. They build their own large dumpsters R& D Rolloff Dumpsters, LLC is constantly building new dumpsters to keep up with the demand. It takes up to a week to build a large dumpster working part –time. They build the larger dumpsters that come in three sizes 16 yard, 23 yard and 29 yard. “They are suited for anything the landfill will accept” both said. There are limitations on what can be taken to the Harrison County Landfill. A complete list is given to the customer before they rent a dumpster. All electronics, appliances, paint, pesticides and gas

cylinders are not allowed in the landfill. A true family business Both men’s wives are important to the success of the company. Ron’s wife Viola answers the phone and does the books. Dan’s wife, Paula helps out whenever needed by the company. Location, location, location The company’s building, 1948 Perry Trail, was originally built to house Haag’s recreational vehicle and tractor. Those two vehicles now sit out in the weather in his driveway. The location is very convenient for both men and makes it an easy delivery point for the large dumpsters. They can usually have a dumpster to a work-site within an hour of the request. Years of experience are important Vandemark has 15 years of metal fabrication experience having worked for Bond Equipment in Logan. He designed and built packing plant equipment.” He worked his way to shop foreman.” Haag

said of Vandemark’s experience. Vandemark is a lifetime resident of the area and Haag has lived here for 20 years. Vandemark works full –time for Harrison County Landfill and Haag is semi-retired. What does a dumpster cost? The cost for a dumpster is $150.00 for the smaller unit, $175.00 for the medium unit, and $200.00 for the largest unit. Those prices have the dumpster staying on the site for seven days. After seven days, the firm assesses a $10.00 per day additional fee. For out-of –county clients a $30.00 fuel surcharge is applicable. The customer must also pay $43.00 per ton for the Harrison County Landfill fee. It is very important that the customer gets the right size dumpster for what they are throwing away. R& D Rolloff is required to cover the entire top of the dumpster with a tarp. If the contents are sticking up to high it makes it hard to cover the top of the dumpster.


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Woodbine Twiner & Logan Herald-Observer

March 27, 2013

HOW TO GUIDE

Why choose Alegent Creighton Health Community Memorial Hospital? For more than 50 years, the mission of Alegent Creighton Health Community Memorial Hospital has been to nurture and enhance the quality of life for residents of Harrison County. As a community hospital, its ongoing commitment is to keep residents in good health. Through the years, Alegent Health Community Memorial Hospital has strived to improve the health status of southwest Iowa residents – children, teens, adults, senior citizens, friends and neighbors. Community Memorial is proud to offer healthcare services – close to home – within this community. Alegent Creighton Clinic Alegent Creighton Clinic is a network of highly skilled primary and specialty care physicians. Clinics are conveniently located and supported by physician assistants and/or nurse practitioners who have the expertise to prevent, diagnose and treat a wide variety of conditions. Patients of all ages may see an Alegent Creighton Clinic physician for services including preventive care; health screening x-ray, laboratory and other diagnostic services; and minor surgical procedures. Alegent Creighton Clinic Dunlap Alegent Creighton Clinic - Logan Alegent Creighton Clinic Missouri Valley Alegent Creighton Clinic Woodbine Physical Therapy- Missouri Valley Community Memorial Services The physicians, nurses and other associates at this community-based hospital are committed to delivering personalized, compassionate care for each individual. Such care takes many forms - technologically advanced medical services, quality health education, health screenings, and more. Beyond the hospital walls, Community Memorial Hospital works closely with businesses, community groups, churches, schools, social service agencies and others to build a healthier community.

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Community Memorial provides the following services: **25 Acute Inpatient Beds ** Acute Inpatient Beds are also certified as Skilled Swing Beds allowed under Critical Access Hospital rules 24-hour emergency care with heliport accommodations Diagnostic imaging services: MRI, CT scans, Dexa bone density scans, Nuclear Medicine, general radiology, mammography, surgical radiography and ultrasound Diagnostic and evaluative laboratory services Cardiovascular services including non-invasive diagnostics studies such as EKG, telemetry monitoring, treadmill stress testing, ECHO cardiogram, and stress ECHO cardiogram Cardiac and Pulmonary Rehabilitation Inpatient and outpatient physical therapy for orthopaedic, burn, occupational health, stroke and sports injuries Outpatient and Hospice services Mental/Behavioral Health and Geriatric services Nutritional services Outpatient surgery Outpatient clinics Respite services Social services Educational programs and instruction for patients, staff and the community. Alegent Creighton Health Community Memorial Hospital provides a variety of specialty clinics: Cardiology non-invasive studies Ear, Nose and Throat Gastroenterology including videoscope equipment General Surgery/Wound Care Medical/Surgical consultation OB/Gyn Oncology/Oncology outpatient Center Ophthalmology Orthopedics Pain management Podiatry Urology

Alegent Creighton Health Community Memorial Hospital and Alegent Creighton Clinics in Harrison County encourage everyone to have regular checkups with their medical provider. Yearly physical exams many times help physicians diagnose minor as well as major health issues. Physicals for women should include yearly mammogram testing and men should have regular prostate/PSA exams and tests. Preventative care includes blood work, history and overall physical condition evaluations. For more information or to schedule an appointment contact one of the Alegent Creighton Clinics listed below. Alegent Creighton Logan Clinic 122 West 8th St. Logan, Iowa, 51546

(712) 644-3288

Alegent Creighton Woodbine Clinic 318 Lincolnway Street Woodbine, Iowa 51579

(712) 647-2566

Alegent Creighton Dunlap Clinic

Alegent Creighton Missouri Valley Clinic

707 Iowa Ave. Dunlap, Iowa 51529

Located in Hospital Missouri Valley,Iowa 51555

(712) 643-2298

(712) 642-2794

631 N. 8th St., Missouri Valley

712-642-2784

How to … save money on your car with a mechanic's help Buying Your mechanic can help save you money before you even buy your car. A pre-purchase inspection covering the major mechanical and electronic systems of the car can keep you from buying a problem. Engine and transmission condition, such as noises and leaks, condition of service fluids, even overall cleanliness of the engine compartment can give clues to how the previous owner may have cared for (or neglected) the vehicle. Signs that the vehicle has been in an accident, or had major rust repaired (or covered up) are often missed when looking at a vehicle on the ground, but once up on a lift can become readily apparent. The test drive is another opportunity for a skilled mechanic to gain information on the potential purchase. Engine and transmission operation, brakes, steering, suspension, and computer information gathered with a scan tool all help your technician give you the best possible recommendation. A professional grade scan tool (as opposed to a DIY level code reader) can access much more than the engine control module (or ECM) of a vehicle and help your mechanic learn much more than jus t the diagnostic trouble codes currently stored. There are data lists that can indicate upcoming troubles, overall health of the engine, transmission and even air conditioning systems. Some missed maintenance can be spotted, and costs given to bring the car "up to par", or if the neglect is severe, then major repairs can be estimated. Either way, a look at the manufacturer's scheduled maintenance (and industry standard practice) vs. the mileage of the vehicle can give a buyer an idea of impending costs. Various accessories are also tested for proper operation. These items are often costly to repair or replace, not to men-

tion a prospective buyer may not like how some things work, an important point in satisfaction with your new purchase. For example, a potential buyer might not try the air conditioning on a vehicle purchased in the winter, and even if they do, modern systems can work reasonably well even when low on refrigerant. That same inspection is an opportunity to get estimates on maintenance costs, including any special oils required (more cars are requiring synthetic oil, and some grades of oil that many people haven't even heard of), transmission fluid cost and change interval, cooling system service life and coolant type, tire replacement, even wiper blades are often more expensive than motorists realize. Factory recalls and technical service bulletins are checked and at least one online source for typical pricing help insure every base is covered, and that you get the best possible deal. Ownership The biggest place for a mechanic to help you save money is during ownership. Proper maintenance keeps fuel efficiency up, and helps mitigate major repairs. Oil changes (even on synthetic oil and less common grades) are obviously less expensive than buying a new engine, but other things may be less obvious. Flushing brake fluid is something few motorists have ever considered, but more manufacturers are recommending it, at various intervals. Some recommend timebased intervals, others want fluid tested, others still combine the service with regular brake jobs. Whatever the interval, the point is to protect components that touch fluid from the effects of water-laden or thermally deteriorated brake fluid. Brake fluid absorbs water by design; this keeps water from pooling in the brake system (no system is perfectly tight, water *will* find its

way in, usually as humidity in the air) which could freeze in the winter or boil in the summer which could cause a loss of braking force. However, water does lower the boiling point of brake fluid, and promotes corrosion, so flushing is important to the long term effectiveness of your braking system and preventing premature failure of brake system components. Transmission fluid is sometimes advertised as being "maintenance free" or "lubed for life", but closer inspection of owner's manuals and repair information often indicates that certain operating conditions still require regular maintenance, and even if you don't meet those conditions you can extend the transmission life with a little attention. After all if it is "lubed for life", what "life" are they referring to? Power steering fluid, differential fluid, transfer case fluid, all need regular attention, also, and can have costly consequences for neglect. Spark plugs and oxygen sensors are key to maintaining your fuel efficiency and smooth running, while regular testing and cleaning of your battery and battery cables can prevent being stranded. Regular wheel alignment and steering and suspension inspections keep your vehicle safe, and can help your fuel efficiency. Selling/trading Your mechanic can be a valuable asset when you are ready to get rid of your car, whether it is to help you find the correct trade in value of your car, or finding a price to sell it outright. And all those records from your careful maintenance can be a powerful sales tool. Sometimes you might keep a vehicle long enough that it has little or no value for sales or trade in, but your mechanic can still help, as he may know someone looking for a parts car, or a salvage yard that pays better than others.


March 27, 2013

Woodbine Twiner & Logan Herald-Observer

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HOW TO GUIDE Setting the table for Health Care Reform Get the Facts

The rising cost of health care is a concern. Holding down those cost increases is one of the reasons the Affordable Care Act (ACA) was written and passed by Congress. However, there’s lots of confusion about how the ACA will impact the way premiums are calculated. Health care reform will require health insurance carriers to look differently at how premiums are developed for individuals. Here’s an example of how this works: Let’s say a group of people meet at a restaurant for a dinner party. Orders are placed and later the bill comes. Based on how rating works today, the dinner party is exclusive. Insurance is intended to pay for conditions and events that may occur in the future, but do not exist today. For this reason, insurers do not have to cover everyone. In this analogy, it would be similar to offering a menu with limited choices. Each person would pay their share based on what they typically order. The amount each person pays is based on past eating habits, etc. For the most part, those who ordered more food will pay more and those who ordered less

will pay less. In 2014, this will work differently. First, due to the guaranteed issue requirement, anyone must be accepted regardless of health status. Second, everyone can see the full menu of covered benefits and everyone will have to take the complete benefits referred to as essential benefits because there are no pre-existing condition exclusions. Third, because of the new premium rating requirements, the bill will be split more evenly among all people at the table. Those who paid a lower share of the bill before will be asked to pay more, even though they don’t plan to change their orders. Those who paid a larger portion of the bill before now would pay less. Throughout 2013 insurance carriers will provide more information about the insurance plans that will be offered beginning January 1, 2014. In the meantime, please contact your local Farm Bureau agent to assist you in understanding how the ACA could impact you.

Think about this: The annual cost of a 20-year, $250,000, level term life policy for a healthy 30-year old consumer is roughly $150 a year, but according to a new LIFE Foundation and LIMRA study Americans estimate the cost at $400. Don’t let common misconceptions about life insurance keep you from securing adequate coverage. The truth is that regardless of your stage in life, you likely have a need for life insurance. Just starting out Whether single or married, if you have debt from college or a mortgage, life insurance can ensure you don’t pass on that burden. Life insurance benefits can eliminate the worry about paying final expenses, or keeping the mortgage or other debt payments current. Affordable family protection When children are part of your family, life insurance becomes even more important. The right life insurance policy can ensure your children will be provided for from the time they are small through college age or their lifetime, depending on the policy. Single doesn’t mean alone For single parents, life insurance can be even more important than for two-parent households. Some singles may provide care for aging parents or other family members. With adequate life insurance, you can help ensure your loved ones’ care and medical costs are covered, should something happen to you. Empty nest offers room to grow Your kids may be out of the house, but you like-

ly still need life insurance to replace lost income now and in retirement if the unthinkable happens. Plus, while the house is “empty,” you may still wish to help your kids with college or pay for a wedding. Financial safety net Did you know that some pension plans cease paying upon your death? And for retired couples who are both receiving Social Security benefits, the lower of the two payments will end following the death of a spouse. You can count on life insurance to replace these sources of income and allow your spouse to continue the retirement lifestyle you planned. As your circumstances change, it’s a good idea to review your life insurance plan. Ask your agent how different types of life insurance can create an affordable plan that protects you and your family. Source: Life and Health Insurance Foundation for Education, Consumers Overestimate Cost of Life Insurance by Nearly Three Times, www.lifehappens.org, visited May 29, 2012. Tips brought to you by Farm Bureau Financial Services. For more information about products and services, call Chad Soma at 712-647-2647. Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services

I know health insurance. Chad Soma

FARM BUREAU AGENT

503 Walker St Office Ste 5 Woodbine, IA 51579 712-647-2647 Wellmark Blue Cross and Blue Shield of Iowa is an Independent Licensee of the Blue Cross and Blue Shield Association.

You’re never too old to rock.

And you’re never too young to appreciate a really good chair. So, stop by Denise’s where we’ve got the finest selection of refurbished antique chairs in Harrison County. In fact, you can only hope to look this good when you’re 126 years old.

Now through April 30, 2013

20% off fabric

on any new upholstery or drapery project

Ask about our ottoman and headboards designed exclusively for you.

Denise’s Designs & Upholstery 421 Walker Street

Woodbine, Iowa

712-647-3451

H137IA (11-10) FB-14-P-10

How to decide if its time to reupholster Are you considering redecorating your living room or den? Do you have a piece of furniture you like but think it would fit into the room better if it was updated? First, just take a moment to acknowledge the difficulty of finding a good piece of furniture. Most furniture at discount stores is made cheaper to keep cost down and likely to not use highquality products. You are looking for style, comfort and quality – in addition to color, texture and type of fabric. That's a lot to consider. Furniture built more than 10 years ago will most likely have better quality construction. Of course, if the piece has sentimental value, or is an antique, you’d rather keep it. Before you go out and spend all that money on new furniture it might be better to have your objects reupholstered. Reupholstery is major surgery – the furniture is stripped down to the frame, then rebuilt, which explains the project's cost. However, you get a "new" piece of furniture as a result. The upholstering experts at Denise’s Design and Upholstery had more information.

You can have a lot of fun with something that has an old-fashioned frame, said Denise Davie. Quality furniture such as Flexsteel, Henredon or Vanguard products, have very little that can go wrong, she said. Off-brands use cheepy, light wood,” Davie said. “They also use light-weight springs, stapled or epoxyheld braces and joints and low density foam.” Her suggestions are to look at the furniture’s bones. Look at the bottom frame and make sure it's hardwood. Check for strong, intact corner braces and stable construction. Look to see that it was made with eightway hand-tied or heavy duty S-springs that are spaced close together. Test the furniture to make sure it doesn't rock during use. These are indicators that a piece still has many years of life. Still, Denise said she can tailor a piece for prime comfort and support. She can beef-up almost anything, fix broken frames and braces, put new foam into cushions and take care of stains and tears. She and her wood-working genius son Steve will work to make your furniture dreams come true.


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Woodbine Twiner & Logan Herald-Observer

March 27, 2013

HOW TO GUIDE

How to choose an insurance agency 3 Licensed Insurance Agents with Insurance agents and brokers can streamline your insurance purchases and become your ally if you run into insurance problems down the road. The terms “agent” and “broker” are often used interchangeably, but is there a difference? Technically, an agent sells insurance from one insurance company, while brokers represent many carriers. An “independent agent” is unaffiliated with any particular insurer and represents a range of companies. GETTING STARTED Do your homework before you set foot inside an insurance agency. First, identify what you want in auto, health, home, life, business and other insurance products. Write it down. This list of features becomes the summary plan that you will give to agents and brokers in exchange for price quotes. When you are in the shopping-around stage, you can go online to get price quotes and ballpark figures for useful comparative rates. It helps to know what costs you are facing. THE RIGHT AGENCY Look for strong service reputations and seek out testimonials from other satisfied customers. Use any contact you have in the insurance business to find out what agents are considered the most helpful. Ask how long the agency has been in business and what insurers it works with. Longstanding agencies have clout with insurers and they can be your advocate if you face a claims problem. Ask your agent if he or she has knowledge in handling claims and if he or she is allowed to help in settling a claim. Many insurance companies will not let their agent intervene with the adjuster to help the client in a claim settlement. Don’t be shy about asking for references.-and following up on them. Work with insurers that are financially stable. Rating services such as Standard and Poors and A.M. Best rank insurance companies based on financial stability and performance, and good brokers will discuss with you the financial status of the insurers they work with. Often, one agency can handle all of your insurance business. According to the Better Business Bureau, one way to save money is to insure all your automobiles with the same company or agent and to buy your homeowner’s policy or other insurance policies from the same source. Multi-policy discounts are common. Ask about long-term holder discounts. Combining policies also helps to eliminate gaps in coverage. Also, ask what other services the broker offers and at what costs. Alternately, you can shop around based purely on price comparisons. If you treat insurance just as a commodity brokers might not appreciate it, but you have the right to shop until you are satisfied. However, watch out for low-ball quotes. Often times, needed coverages are eliminated, undisclosed deductibles are found and hidden charges and penalties are assessed for filing a claim. HERE ARE SOME WORDS TO KNOW WHILE SHOPPING FOR INSURANCE Conditions: Explanations in the policy of your and your agent’s responsibilities. For example, how claims are to be filed and what proofs you must submit with your claim Coverage: Description in the policy on specific circumstances in which you can receive benefits. Deductible: The amount of a loss or claim you must pay before you can collect. Premium: The cost of the insurance policy. RATINGS ARE IMPORTANT It is also important to understand the ratings, especially in car insurance. The rating is the process by which the price of your insurance coverage is determined. States are divided into ratings territories. Your insurance agent, in the case of car insurance, bases part of the price of your policy on the claims history of all the drivers it insures in your territory. Often there are discounts related to age and household or marital status.

many years of experience

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Kris Miller

How to plan a funeral It was Ben Franklin who said nothing is certain but death and taxes. This article does not deal with taxes, but rather the other certainty in life. Everyone dies, so a discussion of funeral planning is never irrelevant. When someone we love dies, there are varying stages of anger, confusion and numbness. The funeral is one of the most significant means we have of dealing with grief. The funeral ritual helps us focus our emotions and brings a sense of meaning to death. It confirms the reality of death and provides a catalyst for mourners to talking about the deceased. Experts tell us being able to talk about the life of a deceased loved one is one of the first steps toward accepting death. PREARRANGING YOUR FUNERAL Prearranging your funeral is not much different than any other planning you have carried out during your lifetime. You buy insurance in case of fire, flood, theft or death. These coverages are purchased as an act of love and responsibility for those you love in case an unfortunate incident occurs. A pre-planned funeral accomplishes the same goals. A pre-planned funeral can prevent your family members from having to make a number of significant decisions at a time when they are confused and upset. They will have enough on their minds dealing with grief without having to make several important decisions in a very short period of time. Experts tell us that there are an average of 50 decisions to be made when arranging a funeral. Adding to the need for pre-planning is the fact that our lifestyle is more complex in today’s world. Family members often live in different states, complicating rapid decision making. Further complications stem from frustrations that occur when dealing with government agencies in different states. A solid pre-planning session can prevent these complications which can loom very large during a time of pain and sorrow. HOW TO PLAN A call to a funeral director is a good beginning in making sure you have covered all your bases in your planning. He or she can lead you through a process to ensure you don’t forget vital information in your plan. Some funeral directors offer free booklets that provide a “punch list” of topics to think through and record your wishes. Topics in these guides include funeral details ranging from visitation to the memorial service and alternatives from burial, cremation or entombment. These are obvious decisions, but other important topics include categories that will provide a helping hand to your family. Additional topics

include organizations to be notified with phone numbers, persons to be notified, medical history, estate information, banking information, real estate holdings and insurance policies. Many include obituary information outlines, personal property inventories and special instruction and information pages. There may also be information regarding the importance of your will and how to go about ensuring it is accurate and updated. PREFUNDING YOUR FUNERAL Prefunding your funeral also is an important consideration. Your funeral director can show you options which will waive your family from possible financial burden later. You may take out a life insurance policy which would cover funeral expenses, or invest in a funeral trust account or final expense insurance policy. In most cases, funds invested today would be enough to cover the total cost of the funeral since interest earned by the funds will offset the effect of inflation. Government regulations safeguard your investment so funds will always be available for use. Another important part in your plan is to make sure your loved ones know where your recorded wishes can be found. Millions of dollars in government and insurance death benefits go unclaimed because family members do not know where to find information they need at the time of death. Some considerations that also need to remain in the forefront of the pre-planning agenda: • Social Security: When a loved one dies, dependents and survivors may be eligible for certain benefits such as death payments, survivor’s benefits and Medicare. Qualifications depend on several factors such as age, marital status, number of dependents and whether employment was under Social Security. Your Social Security account should be verified periodically to ensure contributions are posted. All benefits must be applied for since payments are not automatic. • Veterans Benefits: Honorably-discharged veterans are entitled to benefits that may affect decisions about funeral arrangements. For example, veterans may qualify for a cemetery plot and burial allowances, a headstone and burial flag, as well as pension for survivors. • Medicaid: There are provisions under Federal Title 19 that allow an individual to shelter funds to serve the family later by providing for funeral arrangements. Since qualifications vary for each of these options, it is best to discuss your situation with your funeral director.


March 27, 2013

Woodbine Twiner & Logan Herald-Observer

HOW TO GUIDE

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Woodbine Farm Supply offers steel buildings along with quality ag products

Woodbine Farm Supply has been in business for decades, recently they expanded into the steel building business. While they offer the traditional farm buildings, such as silos, they can also provide their clients with custom-built structures for just about any need. “We built the fire departments new building and a church gym,” said Francis Harper, owner of Woodbine Farm Supply. “We can provide a wide range of steel building designs.” Harper works with several companies in order to get the exact facility his clients need. Behlen, GSI, Conrad American and Sioux Steel Company are among the providers he can use. Steel buildings offer everything that a modern structure will need, Harper said. They are extremely reliable in all forms of weather conditions and offer great insulation. Steel structures can be put up faster than conventionally built structures such as wood or brick. This is because the primary parts of the building can be prefabricated and assembled beforehand. Steel buildings, whether commercial or residential, are easy to build, maintain and expand. “They can be easily customized to fit your needs, and will provide you with a quality building that will last for years,” Harper said. “You bring in the specs and we’ll fit it.” There are many choices to be made when planning a new building, such as the size, shape and function. Harper will help you sort through these options. Some of the benefits of using steel structures include: • Material is cheap to maintain • Steel structures can be constructed faster than wood structures • Steel and metal are less vulnerable to most forms of weather, erosion, insects, rotting, splitting and fire • Most steel manufacturers coat their product with galvalume, which protects against rust • Pieces can be recycled or reused later • Steel and metal are both environmentally friendly materials compared to wooden structures Woodbine Farm Supply would also be glad to help you to find an erection crew, as they have partnerships with steel building erector companies. One hint: Erectors have very busy schedules, so schedule an appointment in advance. Once the construction date is set, your supplier will be able to schedule delivery. “We also offer different ways of financing,” Harper said. “We have several options.” For more information, contact Harper at Woodbine Farm Supply at 647-2220.

C&H HAULING Call to Start Your Service Today! Ask about Low-Cost Rates!

• Town • Country • Dumpsters

Locally owned & operated C&H HAULING 21 2nd St. Woodbine, IA 51579 (712) 647.2139 (office) (712) 647.8861

WOODBINE FARM SUPPLY 712-647-2220 521 Walker St • Woodbine, IA www.wbfrmsup@iowatelecom.net

Professional Waste Collection, Personal Service Since 1980s, the Harris family has operated C&H Hauling – a popular garbage hauling business in Harrison County, including the towns of Woodbine, Dunlap, Dow City and Logan. Today, Doug Harris still lives in Woodbine and is proud to own and operate the family waste collection business, serving customers who need dependable, affordable garbage service. C&H Hauling provides a unique combination of highly professional waste solutions and personal service for residential and commercial companies. If you’ve worked with Harris, you know the quality he demands of his company for its customers. C&H Hauling offers the best of both worlds to their valued customers in Harrison County: Personal service and professional waste disposal. If you have questions, you can talk directly with a local person closely involved with the business who knows your community, and that person can help you immediately. With their decades of experience, they have always taken their work very seriously which is why they have the proper equipment to assure your garbage is picked up on time, every time. Their friendly, knowledgeable staff can be counted on to answer your questions, suggest solutions and make decisions that benefit you. They are not answering from a call center in another city, so they know such things as where road construction is, where you can drop off your Christmas tree, what local disposal regulations are and how to find a place to recycle your computer. • Staff members live in the Woodbine area and communicate directly with drivers • No hidden fees for cancellation, fuel price fluctuation or random environmental issues • They know about local weather, Harrison County road closings and other conditions that might affect delivery • Their prices are lower, in part because they don’t have to support a corporate structure • They can respond quickly because they’re a local waste collection company • They recommend useful Woodbine-area services to customers and share other local facts as needed • They care about and work hard to protect the environment that supports us all • They care about their customers C&H Hauling prides itself in providing the highest level of service that is as professional and dependable as any waste collection company. They are locally-based and buy everything they use for their business (fuel, tires, insurance, etc.) in the area.


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Woodbine Twiner & Logan Herald-Observer

HOW TO GUIDE

March 27, 2013

Experience is important when choosing a photographer Passion in the profession Chelle Butrick got started in photography when she was in high school. She had to take a class in photography for an art project. She was hooked on the art of photography at that time. Her parents gave her a Pentax100. She went to college and received a Bachelor’s Degree in Fine Art with an emphasis in photography and graphic design. Experience is important In 1996 after graduating from college and getting married she and her husband Jeremy moved to Murry, Kentucky. Chelle was employed by a well-known area photography studio and learned the photography business along with studio lighting and other related crafts. In 1999 she and her husband moved to Little Rock, Arkansas where she worked for another photography studio. A year later in 2000 she opened her own photography

studio “Chelle’s Creative Photography.” Six years later she and her husband moved to Harrison County where she had a small studio in downtown Woodbine, Iowa. Chelle now works out of her home but spends most of her time on location. The digital revolution Since photography switched from film to digital photography many photo studios opened because it was much easier to take photos. She has managed to stay in business because she offers a professional eye, a quality product, reasonable prices and she takes time to know her clients .Anyone can push the button on a digital camera, especially if it is set on AUTO, but if you cannot back up that image with the qualities your clients are looking for, you are not fulfilling their expectations for capturing the moment at hand. Enjoying the photography busi-

Excavation is our Business

Farmers • Contractors • Engineers • Counties

K&PEXCAVATION Farm Improvements • General Dirt Work Ditch Cleaning • Terrace Repair Waterways • Demolition

712-647-8206

1725 Panora Ave • Woodbine, Iowa

ness Chelle enjoys the adventure of the session. Every child or family is different and every event poses a new experience. Finding and capturing the emotion of that moment is the challenge and knowing how to handle the unexpected is the fun part. She gets personally involved in the sessions she does. She wants the images she takes to make an emotional impression on her clients .She tries to capture that expression, little quirk or body language that makes a mom say “ He always makes that face” so they can look back years from now and remember it like it was yesterday. Repeat business is important Her clients come from all over Harrison County and she also has clients in the surrounding counties along with Des Moines, Nebraska and Missouri. The majority of her clients are repeat clients and from those clients she gets many refer-

rals. Clients of all ages and types She photographs children, families, high school and college senior’s weddings, pets, and sport teams. She also has an Easter Special where she photographs clients with live bunnies. She also has a fall outdoor special in October. She has photographed tractors, buildings along with hobbies like motorcycles, cars, musical instruments and dolls. Professional Detail She prints all of her photographs at professional laboratories. All of her images are guaranteed by the lab and her studio. She offers all sizes of prints from wallets to 30 inch by 40 inch sizes. Plan for your photos in advance For family and children, plan a month in advance. Talk about the session with Chelle. Decide what clothes are to be worn. If planning a wedding a year ahead of time is ideal.

How to choose an excavating company K&P Excavation in Woodbine Iowa is currently owned and operated by Mary Kelly and Tim Plowman. The company was originally owned by Mary’s dad Pat Kelly. That company was called Pat Kelly Construction. When her dad passed away Tim and Mary decided keep the tradition and continue the business. The name was changed to K&P Excavation. Experience in heavy equipment operation Tim Plowman had the knowledge and experience with running heavy equipment in Texas and other locations in the Midwest. He had operated multiple types of heavy equipment that are necessary in the excavation business Customers come from various businesses Naturally contractors call K&P Excavating for various jobs. Those jobs include digging basements for new home construction. There are many other businesses, cities and county governments that need the expertise and machinery that an excavation company possesses. Engineers do a lot of work with excavating companies. Ditches need to be dug on farmer’s land to take runoff water away from the fields. New home owners need nice driveways dug and many counties need excavation work for county roads. Also sewers need to be replaced in town. Demolition of old buildings and barns are on the to-do list also. Are you a one man operation? Half of the time Tim is a one man operation out in the field. In bigger jobs extra help is brought in .Usually one, two, or three extra workers are needed. Has the housing slowdown had an impact on your business? The lack of new housing starts has resulted in a slowdown the last several years. As that has slowed down the farm related projects have managed to stay steady. New opportunities in excavating business K&P Excavating is constantly seeking new clients and areas to expand their business. The company works in Harrison, Shelby, Monona and Crawford counties. What type of heavy equipment is used? Excavation demands many types of machinery including: bulldozers, graders, dump trucks, dirt compactors, backhoes, pay loaders, semi-trailer trucks, and skip loaders. Has a cold winter slowed down your projects? Yes the winter of 2012 -2013 with colder temperatures has made a difference. Last winter with milder temperatures was much better for construction in general.


March 27, 2013

Woodbine Twiner & Logan Herald-Observer

HOW TO GUIDE

How to choose a pharmacist

If you’re like most people, you did not choose a pharmacist, you chose a pharmacy for your medication needs. Your pharmacist is a very important part of your health care team and should be chosen carefully. In between doctor visits, your pharmacist can be an important resource for you. This is especially true if you are using multiple medications or need help with products such as blood glucose meters, asthma inhalers, or other special care items. Some key questions to ask when choosing a pharmacist include: • Does the pharmacist take time to answer your questions in a manner that you understand? • Does the pharmacist tell you about each new medication and explain such things as how and when to take the medication and what you can and cannot take with it? • Does the pharmacist have any special training in disease management, such as a certified asthma counselor? • Does the pharmacist show concern for you and your family? • Does the pharmacist recommend vitamins or supplements to take or tell you which ones you should NOT take with your prescriptions? If your current pharmacist does not meet your needs or does not take the necessary time to make sure that you understand your medications, visit other pharmacies and ask if the pharmacist has any special certifications or training. Find out if the pharmacy has any special services that they can offer you such as demonstrating a new inhaler. See if you can find a pharmacist that is easy to talk to, yet shows concern and is able to explain what you need to know as a consumer of both prescription medications and vitamin supplements. WHAT TO LOOK FOR IN A PHARMACY Where your family pharmacist works should also be an important consideration when deciding how to meet your medication needs. Most people taking medications visit a pharmacy monthly and should consider several factors when choosing which pharmacy to patronize. Convenience is an important issue with all of the time pressures that people feel these days. The pharmacy should be in a convenient location with convenient parking nearby. If you are unable to get to the pharmacy, the pharmacy should make sure that your prescriptions are mailed to your home or delivered to your home or work. Having the ability to open a charge account or have a credit card kept on file for charging prescriptions is a convenient feature, especially when you are on a trip or someone else is picking up the prescription for you. The pharmacy may offer special services that set them apart from the other pharmacies. You might be interested in special packaging to make it easier to remember to take your medications. If you have diabetes, finding a pharmacy that can demonstrate several glucose monitors to find which one works best for you can make testing your blood sugar easier. Some pharmacies have the ability to “download” the readings off your diabetes monitor and print them out for you. This will help both you and your doctor control your diabetes. Ask if the pharmacy can measure your “Alc” level to check your long-term glucose control. Look for a pharmacy that offers a private counseling area so you can ask personal questions without being overheard. Other conveniences that should be taken into account include a toll-free phone number to use if you live out-of-town or are on vacation. Ordering refills over the internet is something new many progressive pharmacies now offer. Many times, you can also look up health information on the pharmacies’ web sites as well. It is a good idea to get all of your prescriptions filled at a single pharmacy. The pharmacy keeps a complete medication profile on you. These profiles record all medications that you are taking, health problems, and drug allergies that you have told the pharmacist about. By going to one pharmacy, your pharmacist will be able to continuously update your patient profile - making sure all the information is accurate. This will help avoid problems that occur when some medications are mixed. With a little effort, you should be able to find a pharmacy that will be your partner in your goal of living a healthful life.

FOR YOUR BANKING CONVENIENCE Drive-Up Hours: Mon. - Thurs: 8:00 - 4:30 Friday: 8:00 - 5:30 Saturday: 8:00 - 11:00

Lobby Hours: Mon. - Thurs: 9:00 - 3:30 Friday: 9:00 - 4:30 Saturday: Closed

Walk-Up Hours: Mon. - Fri.: 8:00 - 4:30 Saturday: 8:00-11:00

ATM 24 HOURS E-Statements now available! Home Loans • Ag Loans Visit us online: www.FTNSBank.net

Serving the residents of Western Iowa since 1892

Your Bank for Today and Tomorrow 510 Lincolnway • Woodbine, Iowa 51579 712-647-3375

Earling (712) 747-2000

www.FTNSBank.net

Harlan (712) 235-2000

7

EBY DRUG STORES Prescription Specialists

Serving Harrison County Since 1916

Please call ahead for prescription refills Woodbine: 647-2840 8:00 a.m. - 5:30 p.m. Mon. thru Fri. 8:00 a.m. - Noon Saturday Closed Sunday

Logan: 644-2160 Open at 8:30 a.m. - 5:30 p.m. Mon. thru Fri. 8:30 a.m. - Noon Saturday We accept Medicare Part D, Visa, Mastercard

How to switch your bank account In days of yore, switching a bank account was a tedious, timeconsuming and treacherous affair. But, not now – not at Farmer’s Trust and Savings Bank. “We make the change easy,” said Roger Kenkel, Executive VicePresident of Farmers Trust and Savings Bank in Woodbine. In the past, switching banks meant making a list of all your automatic bill pay accounts, contacting each of them to inform them of the switch and then keeping your old bank account open with a back-up deposit to make sure you didn’t miss any bills during the transition. With a switch to Farmers, all you need to do is bring in your most recent statement listing your current automatic withdrawals and deposits. The bank will assist you in acquiring and changing each of your automatic bills – whether they are a phone company, utilities or even insurance and IRA contributions. “You just sign,” Kenkel said. “And we will make it simple and easy.” The same can be done for Direct Deposit for payroll, investments, and Social Security, he said. Anyone wishing to switch their bank account to a family-owned, local bank is welcome to speak with Betty Murphy or Brenda Loftus. Farmers Trust and Savings Bank has been in business for more than 120 years. They opened their first branch in Shelby County and still have two branches there; one in Earling and another in Harlan. Their convenient locations are open from 8 a.m. to 4:30 p.m., Monday-Friday and 8-11 a.m., Saturday. They are also offering long-term, low rate home loans. To put the finishing touches on your checking account transition, the bank suggests that you shred all the checks and debit cards that came with your old account to prevent them from being used by identity thieves.


8

Woodbine Twiner & Logan Herald-Observer

HOW TO GUIDE

March 27, 2013

How to choose the right insulation for your home or metal building! Due to the continuous rise in utility costs, homeowners, builders, farmers and even electric and natural gas providers acknowledge the ever growing need for more energy efficient building products. For the new home builder to metal building owner, the need for buildings to meet “cost of ownership” budgets become greater. One of the best ways to curb energy costs is through proper insulation. With R Values ranging from 13 to 19, a building owner can have a sense of confidence that the building “envelope” is properly sealed. The building envelope is a total system of construction materials and design components that control the temperature, movement of air, and moisture both into and out of the building. A building's insulation, air barrier and vapor barrier all need to work together to achieve a more stable, comfortable and healthier indoor environment. Many new materials and design practices are being implemented to extend the sustainable service life of buildings and homes. Traditional insulation products create inherent gaps that allow for convection, or windblown heat and cooling loss. A significant percentage of energy is lost due to these convection currents. The currents can also raise or lower the humidity in the structure, creating an uncomfortable environment. These same drafts carry dust and allergens. Build it Tight, Ventilate Right. Ventilating the Attic and the Crawl Spaces has long been the traditional and code required method of home design and building. However, ventilation of these spaces was required because standard materials and building design practices were not capable of addressing radiant heat transfer, condensation, and the results of “stack-effect issues.”

In order to address heat transfer form weather issues, utilities, and the formation of moisture due to condensation and air infiltration, the only option was to ventilate the attics and crawl spaces. The major problem with ventilating these spaces is that the air brings moisture, pollution and other adverse problems and challenges with it. Furthermore, the vents to allow it in create voids in the building for insects and rodents to enter, and all our nice conditioned air that escapes, or is pulled from the living spaces to exit. In fact, in the summer, the incoming air needs power consuming fans to bring it in, and it will never get any cooler than the outside air temperature. Why would we want 95 degree hot, humid, potentially pollution ridden air into our attic and crawl space? In the winter this air is freezing cold. If our heating/cooling utilities and ducts are located in the attic and/or crawl spaces (most usually are) then their radiant contact with the ducts will cause them to lose up to 10% or more of the hot or cold air flowing through them due to radiant transfer. Worse yet, moisture and mold can also form within the ducts during certain temperature conditions, causing adverse health effects to the building occupants or your family. Another major reason that traditional methods call for attic ventilation is that during the hot summer months, heat from the sun builds on the roof and radiates into the attic space. In fact, it can build to upwards of 130 to 150 degrees or more. This extreme heat radiates into the attic and the living space causing condensation and the potential for mold. Our air conditioning systems also need to work harder and consume more energy with all this heat directly above our heads. The extreme heat also makes it

• Insulation

very uncomfortable to enter these spaces. Most builders and design professionals are not familiar with modern materials and progressive building science techniques that can virtually eliminate all of these problems that force the traditional, less effective requirement for ventilation in these building spaces. Real Savings: Assume a home has 2,500 square feet of finished living area and will cost an additional $5,000 for Spray Foam insulation. Assume that 80% of that $5,000 investment will be financed, resulting in a $4,000 loan and a $1,000 down payment. At a 7% interest rate, the monthly loan would increase by $26.60 per month, or approximately $6.65 per thousand per month. Now consider the cost of heating and cooling the same home. We will use an average cost of $200 a month for a standard fiber glass insulated home. The actual cost will probably be much higher. By insulating the home with spray foam in both the walls and ceiling, the heating and cooling cost will be at least 40% less than the fiberglass home with the same R-value. This calculation shows a potential average savings per month of $80. So Lets Review... Invest $26.60 per month and get back $80.00 Estimated Average Monthly Heating/Cooling Cost $200.00 Average 40% Saving per Month with Spray Foam $80.00 Yearly Savings with Spray Foam insulation $960.00 This reflects a savings of almost $1,000 per year in energy costs. If you take the $1,000 per year and divide it by the $5,000 costs, the calculation gives you a 20% return on your investment. Where else can you get that kind of return?


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