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JUNE 21 , 2023

a baby on the way, it’s Expanding your famAmeriprise Financial, Inc. and critical to keep in mind ily often has a way of its affiliates do not offer tax that unexpected events putting your priorities or legal advice. Consumers can affect your finances into perspective. If you should consult with their tax or attorney regarding at any time. Resolve would like an objective advisor their specific situation. to build or maintain an opinion on how to best Investment advisory products emergency fund that plan for your goals, talk and services are made availthrough Ameriprise Financould cover three to six with a financial advisor able cial Services, LLC, a registered months of expenses, in in your area. investment adviser.

2. Think about lifestyle addition to prioritizing “Catalyzing Growth: Using Data Investment products are not your retirement savings. 1to-Change costs. Between diainsured by the FDIC, NCUA Child Care,” ChildAfter your baby arrives, CareAware.org, 2022. https://www. or any federal agency, are pers, formula, clothes not deposits or obligations update your estate plan childcareaware.org/catalyzingand other necessities, growth-using-data-to-change-child- of, or guaranteed by any babies are expensive – and insurance coverfinancial institution, and care-2022/ age (e.g., medical, life, and they remain so as involve investment risks including possible loss of Duane J Lusson, CFP, ChFC, they grow older. Extra- disability policies) as principal and fluctuation in CLU, MSFS, is a Private necessary. curriculars for toddlers Wealth Advisor with Ameriprise value. to teens (think sports, Financial Services, Inc. in OtAmeriprise Financial Services, tumwa, Iowa. He specializes music, performing arts) 5. Teach good finanin fee-based financial planning LLC. Member FINRA and Baby on the often come with a price cial habits. Kids learn and asset management strate- SIPC. Way? Here’s How tag. Add on the fact that about money first and gies and has been in practice © 2023 Ameriprise Financial, 30 years. To contact him, You Can Prepare many growing families foremost from their par- for All rights reserved. File # call 641-684-4200 or stop by ents, which means you his office at 527 W. Second in Inc. decide to buy bigger 5680331 Financially can help them become Ottumwa, Iowa. houses and new cars, Welcoming a new baby and it’s easy to see how financially literate. At Ameriprise Financial cancan be incredibly excit- lifestyle costs can creep a young age, you can not guarantee future financial ing – but there’s a lot teach them about the up on parents. results to prepare for. In addidifference between tion to assembling the 3. Prepare for college “needs” and “wants.” crib and ensuring you tuition. The cost of col- As they grow older, you have enough bottles on lege continues to rise at can educate them on hand, you should ana pace faster than infla- budgeting and saving, ticipate that the arrival tion, meaning the soon- the benefits of delayed Welcome Jo Beth Lawless, FNP-BC of a newborn will come er you can start saving gratification, and how with financial consider- for your child’s higher to build lifelong healthy Pella Regional Health Center ations. Here are some habits around money. education, the betwelcomes Jo Beth Lawless, FNPitems to keep in mind as ter. Setting aside even BC. She will be seeing patients you wait to meet your 6. Plan for your family a modest amount of as a Family Nurse Practitioner at bundle of joy. money each month can bucket list. Many parthe Pella Regional Walk-In Clinic make a big impact over ents dream of showing 1. Consider childcare the long term. Choose in Ottumwa. their children new placexpenses. According es and allowing them to a savings vehicle that to Child Care Aware Jo Beth is a Board Certified is right for your financial have a variety of experiof America, the aversituation, risk tolerance ences. Think about what Family Nurse Practitioner with more than 30 years age annual price of activities matter to you and goal amount. One of experience in leadership, nursing, and EMS. childcare for 2022 was of the most popular and incorporate them $10,853. This figure into your financial plan. options is a 529 plan, For more information call 641.628.2200 represents roughly 10% which is specifically Taking an annual vacaor visit PellaHealth.org. of the average married designed to help famition, owning a vacation couple’s yearly income lies save for education home, buying season -- and it jumps to 33%1 expenses. tickets to your favorite for single parents. team, or purchasing a Whether you choose boat are common goals 4. Reassess your fidaycare, a nanny, an au nancial position. With for many families. pair, a babysitter – or if you plan to scale back on your paid work time in order to care for your child – it’s probably safe to assume that childcare will quickly become a major living expense.

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I find it interesting to observe how animals communicate with each other and with humans.

From the porch, drinking coffee in the mornings, I can watch as a doe walks over the dam down toward the water. She will pause and look around as though checking for any danger and in some manner communicate with her fawn to come to her. The fawn will suddenly appear from the tall grass, come to its mother, and begin nursing. A few minutes later when she starts to walk away, the fawn will try to follow. In some manner, she lets it know to go hide and the baby goes back into the tall grass. If the doe makes a sound in communicating instructions to the fawn, it is inaudible to humans.

The birds in our yard have a less subtle form of communication, especially when it comes to letting the humans know what they want. If the dish of grape jelly is

empty, the orioles will look toward the house and scold loudly until their dish is re-filled. As soon as I fill the dish, they go to eating and fighting among each other, completely ignoring us. They made their point and got their way. Hummingbirds are even more blatent. When their sugar water is gone or soured from being in the heat too long, they will fly to the nearest person and hover about two feet away.

They then stare directly into the eyes of a person they think should re-fill the hummingbird feeder.

It is hard to ignore a tiny bird that is trying its best to convince you that it is starving.

Dogs are famous for their ability to communicate with humans. Billie, the poodle, communicates his needs to us so well, we have decided he has us trained.

If my wife or I happen to (Outdoors cont’d on pg 4)

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641-683-3777 1-833-GO PRIDE See all our listings online at www.remaxpride.com Licensed in Iowa & Missouri

Kayla McConnell Sales Associate 641-799-3191

JUNE 21 , 2023

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New Listing

New Price

New Listing

23631 Hwy 34, Lot 13 Blakesburg $359,000

1621 N. Elm St. 2BRs, 5 Baths $395,000

420 W. Golf Ave

1533 N. Van Buren Ave

ending P 4 Bennink Lane

$324,000

$279,000

$275,000

3BRs, 2.5 Baths

4BRs, 3 Baths

3BRs, 2 Baths

Sold

18013 Rock Bluff Rd $265,000

3BRs, 2 Baths

New Listing

Sold

1529 N. Court St. 3BRs, 2 Baths $193,000

1401 Chester Ave. 3BRs, 1 Bath $152,500

Sold

1304 Hamilton St 3BRs, 1 Bath $192,000

Sold

1708-A Linden Dr, Fairfield

2BR, 2 Bath Condo $152,000

Pe n d i n g

1197 710th Ave, Eddyville 3BRs, 2 Baths $185,000

Sold

709 N. Fifth St. 2BRs, 2 Baths $150,000

New Listing

Sold

1010 Richmond Ave. 3BRs, 1.5 Baths $129,900

New Listing

New Listing

Commercial

14470 Terminal Ave. Ottumwa $359,000

838 Ellis Ave 2BRs, 1 Bath $95,000

Commercial

227 E. Main Ottumwa $199,999

15091 Eddyville Rd.

ending P 9710 100th St.

400 E. Burlington, Fairfield 4BRs, 2 Baths $177,000

4BRs, 2 Baths $185,000

3BRs, 2 Baths $179,900

New Listing

New Price

New Listing

817 Chester Ave 3BRs, 2 Baths $149,900

215 N. Jefferson 2BRs, 1 Bath $149,000

302 N. Fifth, Eddyville 2-3 BRs, 1 Bath $149,900

Pe n d i n g

6 Schwartz Dr.

3BRs, 2 Baths $174,000

Pe n d i n g

1988 Chester Ave 3BRs, 2 Baths $145,000

New Listing

602 N. F St, Albia 2BRS, 2 Baths $130,000

107 E. Hempstead, Fairfield 3BRs, 2 Baths $99,000

Sold

241 W. Ward St 3BRs, 2 Baths $128,000

408 W. Main, Fremont 3BRs, 1.5 Baths $125,000

Pe n d i n g

Sold

434 N. Quincy Ave

3BRs, 1.5 Baths $117,500

233 S. Walnut, Fremont 4BRs, 1 Bath $114,900

1136 Burns Ave. 2BRs, 1 Bath $83,430

917 N. Johnson Ave 2BRs, 1 Bath $82,000

428 N. Jefferson St. $80,000

108 N. Benton 2BRs, 1 Bath $70,000

Commercial

Commercial

Commercial

Lots and Land

323 E. Main St Ottumwa $149,500

314 E. Main, Ottumwa $100,000

404 Mary St., Ottumwa

$160,000

12882 50th St,

3BRs, 2 Baths, 2.27 Acres $209,900

New Listing

1515 Chester Ave 3BRs, 1.5 Baths $164,000

Sold

606 W. Walnut, Eldon 3BRs, 2 Baths $153,000

Sold

1315 Chester Ave.

1120 N. Court St. 3BRs, 2 Baths $134,900

2BRs, 1 Bath $136,100

New Listing

210 Lynwood Ave 3BRs, 1 Bath $113,000

New Listing

Sold

200 N. Miles, Fremont 3BRs, 3 Baths $249,900

4-Unit Apt Bldg

0 Rochester Road

49.13 Acres

$614,125

719 Minneopa Ave 2BRs, 1 Bath $109,000

New Price

ending P 8959 163rd Ave.

3BRs, 1 Bath, 1.86 A $70,000

Lots and land

0 Elm St, Ottumwa 7.74 Acres $85,000

914 Russell St. 3BRs, 1.5 Baths $69,900

Lots and Land

1100 Block Sheridan

0.76 Acres $30,000

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(Outdoors cont’d from pg 3)

mention the word “go” in even a casual conversation, he immediately starts with the sad eyes routine.

He is able to communicate the fact that he is a good dog, and he would enjoy going along. It does not matter where we are going or what we plan to do, he would come along and be ever so helpful. He also lets us know when it is 5 P.M. That is the time he gets a treat. His sense of time is impeccable.

Within a minute or two of the appointed hour, he will stand by the appropriate cupboard and look from us to the cupboard door until somebody performs their duty of getting his snack. Jag, the terrier, also has us trained. Anyone outside from 6 P.M. on will be treated to Jag spinning in circles as he works his way toward the garage. This is his way to communicate it is time to eat. We are supposed to let him in the garage and fill his food dish. He has even learned to lie. He may convince my wife to feed him early and then later tell me that he is starving to death. Sometimes his deception works, and he gets fed twice.

I discovered a few days ago, insects can even communicate with people. I was helping my wife prune some bushes.

I grabbed a handful of stems and cut them off. A wasp flew out of the bush and let me know he did not want his bush trimmed and stung me on the back of my hand. My hand quickly swelled up like an

inflated rubber surgical glove. I quickly realized what he was trying to tell me.

All animals seem to communicate in some form or another. Some we can understand and others we cannot. Some, like the wasp, can make a point quickly and effectively. I left him alone.

Pe n d i n g

208 E. Wapello, Agency 3BRs, 1 Bath $109,000

334 Summitt St 2BRs, 1 Bath $65,000

Lots and Land

Sold

0 US Hwy 34 10 Acres $16,000