Save Ottumwa Post August 31, 2022 by Save Ottumwa Post

Homeowner riders. If you have a mortgage, homeowner insurance is required. A basic homeowner policy provides standard reimbursement after a deductible for approved claims due to theft or damage to your property, dwelling, personal possessions, and liability. Such coverage, however, may not be sufficient. If you have valuable art or jewelry in your home, a rider can ensure appropriate reimbursement if these items are stolen or damaged. Consider a rider to offset the liability of owning a swimming pool or trampo line, for example. Other common riders cover water damage, identity restora

•••••AUGUST 31, 2022••••• Ottumwa Publishing Postal Customer 641-208-5505 (Financial cont’d on pg 2) canancegoodifs’forisInsuranceaproductthe‘whatinlife.Ainsurpolicyreduce the financial impact of an event,adversemiti gate finan cial mindpeaceofferstability,providelosses,and,someofdur ing difficult times. insuranceSome coverage is deemed so important, it’s mandated by law. But there is also lesser-known insurance coverage worth exploring. Consider these op tional coverages to trade uncertainty for financial protection.

The Insurance You May Not Realize You Need ottumwapost.com Look For The Homes Section Inside

Renters insurance. If your personal property is stolen or damaged at a rented house or apart ment, you may be out of luck unless you carry your own renters insur ance. Look for a policy that includes liability cov erage, which provides financial protection in case someone gets hurt at your rented residence. Travel insurance. You may want to explore travel insurance before an international trip. A policy that covers unex pected cancellations is reassuring when plan ning an expensive vaca tion with

Appliance insurance. Many utility companies offer affordable insur ance plans to cover needed appliance main tenance and repairs. Coverage is usually available for major ap pliances including your refrigerator, stove, dish washer, furnace, water (Financial cont’d from pg 1) heater, washer, dryer and air conditioner. Pet insurance. Veterinary care can be expensive. A pet insurance policy can help pet owners man age the cost of owning a pet. Most policies do not cover wellness care but do cover all or part of the expense for emergency procedures and major medical interventions. Life insurance riders. Basic life insurance pays out for death from natural causes and most accidents. There are exceptions, however. In surance companies gen erally exclude coverage for risky activities. If you participate in extreme sports or own a private plane, you may want to purchase a life insurance Reviewrider. your insurance coverages annually or when you experience a life-changing event. Be sure to comparison shop as insurance policies can vary widely in cover age and cost. A trusted financial advisor can be a great resource to help you determine if you carry sufficient levels of insurance, or if additional coverage is warranted.

tionevacuationimbursementtravelmostoutsideburseancemostbealthatreservations.non-refundableApolicyprovidesinternationmedicalcoveragecanareallifesaversinceU.S.healthinsurplansdonotreimforcareprovidedthecountry.Thecomprehensivepoliciesincludereformedicalandrepatriaofremains.

PAGE 2 SAVE OTTUMWA POST AUGUST 31, 2022 tion, and business assets (if you conduct business in your home).

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Duane J Lusson, CFP, ChFC, CLU, MSFS, is a Private Wealth Advisor with Ameriprise Financial Services, Inc. in Ottumwa, Iowa. He specializes in fee-based finan cial planning and asset manage ment strategies and has been in practice for 30 years. To contact him, call 641-684-4200 or stop by his office at 527 W. Second in Ot tumwa, InvestmentIowa.advisory products and services are made available through Ameriprise Financial Services, LLC, a registered invest ment Investmentadviser.products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks includ ing possible loss of principal and fluctuation in value. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

AUGUST 31, 2022 SAVE OTTUMWA POST •OTTUMWAPOST.COM PAGE 3

Pella Regional Health Center welcomes Garrett Donaldson, MD, Family Practice and Obstetrics Medicalphysician.School: University of Wisconsin School of Medicine and Public Health Residency: Gundersen Family Medicine Residency Undergraduate:Clinic University of Nebraska, Lincoln

PellaHealth.org Providing healthcare and healing services with Christian compassion

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To schedule an appointment with Dr. Donaldson, call 641-621-2200 or go to PellaHealth.org/RequestAnAppointment.

Garrett Donaldson, MD

His medical interests include whole family health with prenatal and obstetric care as well as preventive care for rural populations. Dr. Donaldson has a passion for promoting healthy lifestyles for patients of all ages. He will begin seeing patients at Pella Regional Medical Clinic in Ottumwa in August 2022.

Welcome!

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Hit and Miss A few days ago, my grandson, Zane, stopped by after work. He said he and his boss were think ing having fish for lunch would be a good idea. Zane volunteered to catch the fish for the com pany fish fry. I asked if he needed help and he said “sure.” He did not know how many fish it would take, but he guessed they would eat whatever was caught. He headed down to the lake and got the canoe in the water while I rounded up a couple of fishing rods. We were going after crappie and bluegill, so I chose two rods that already had crappie lures on them. I did not bother to take the tackle box since it would not take long to catch all the fish they would need. In an emergency, I could borrow a lure from Zane. The lake was like a sheet of glass and the temperature was in the mid-seventies when we glided out away from the dock. Zane warned me, the canoe paddle had seen better days so we would not be making any speed records for fear of it breaking. Though we only had one paddle with us, I did not concern myself as we were in no real hurry. I cast back toward shore as we pulled away and im mediately got a hit. A large fish grabbed my lure and ran with it, snapping my line. I was now down to one rod and one lure. We floated along and Zane started pulling in fish. Decent sized crappie and small bass were taking his rubber grub and small hook. My rigging was a bit larger and different colored, which seemed to matter to most of the fish. They would hit it, but I could not set the hook. I was being out fished about 10:1. Zane slowly and carefully guided the canoe up to the downed trees near the back side of the lake. This area is always productive as the sunken logs and branches provide great habitat for the fish. I managed to pull in a few bass, just eating size, and Zane was slay ing the bluegills. I was go ing to borrow a lure from Zane when I found out, he did not bring a tackle box either. He had one lure, and he was using it. We decided to head in before it got too late sure there was enough fish to make a meal. The canoe paddle held up until the last stroke going into shore. It snapped into two pieces, finally giving out after a long and useful life. For tunately, we were able to coast into the dock as we would have been waiting a long time for the wind to blow us to shore. We set up our fish cleaning station at the garage and soon remem bered why Damon usu ally cleans the fish. He is much better and faster than me or Zane. As a matter of fact, my son is faster than Zane and I combined. Though it was not a pretty sight, we did end up with a nice sized bag of assorted fish fillets. The next evening, Zane told me the lunch was successful with fish on the grill. They ate all they had, and they were delicious. What started out with a hit and miss trip, with more misses than hits, ended with everyone happy.

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