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marshalltimes april 2014


Times-Republican | MarshallTimes | April 2014 | 2




Publisher ..............................Mike Schlesinger Managing Editor ..........................Abigail Pelzer Marshalltimes Writer ..................Mike Donahey Marshalltimes Columnists...........Debra Oetker, Kileen Rezac, Bruce Wirin, Mike Tupper Marshalltimes is a monthly magazine published by the Times-Republican, Marshalltown, with offices located at 135 W. Main St., Marshalltown, Iowa 50158. Marshalltimes is inserted into the Times-Republican monthly. For more information, please call or write:

Marshalltimes c/o Times-Republican 135 W. Main St. P.O. Box 1300 Marshalltown, IA 50158 641-753-6611 All articles and information contained herein are the property of the Times-Republican. Permission for use or reproduction must have prior approval in writing from the publisher.


Darrell Mitchell is at it again. The 85 year old Marshalltown resident, retired pastor and athlete will be showing that age is just a number when he speaks at the Marshalltown YMCA-YWCAʼs HorneHenry Center. “Exercise to Beat the Blues,” is his topic at 11 a.m., April 28 in the facilityʼs party room. He knows about exercise, and running is his forte. Heʼs been inducted into the Senior Olympics Hall of Fame and has a room


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full of gold, silver and bronze medals. He has won or placed at national championships from Syracuse, N.Y. to Palo Alto, Calif. And he knows about depression —having battled the insidious disease at different points in his life. At 145 pounds, the trimmed and toned athlete and will continue competing and working out as long as able. He severely injured his hip and a leg in a bicycling accident three years ago, which kept him away from

training and competition for months, but it only slowed him down. It did not stop him. He resumed after rest and physical therapy. Motivation to be fit, he said, came from the Bible. He said a verse, in first Corinthians, the sixth chapter, gave him guidance. “It (the body) should be a temple of God,” he said. “Iʼve taken that very seriously.” High school sports in Perry followed by two years of track and field at Sioux Cityʼs Morningside

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College molded his attitude. “Sports gave me a discipline,” he said. “It made me aware of the value of exercise. That is what everyone needs to have, treating your body in the right way.” The late George Allen was his track coach at Morningside. Allen later went on to a successful career coaching in the National Football League, culminating in induction to the Pro Football Hall of Fame. “I can hear him say ʻcome on Mitch, you can do itʼ while I was running, helping me to lower my time in events. Coach Allen was always a very positive, uplifting person.” In NFL circles, Allen — who never had a losing season as head coach — was known as a master motivator and Mitchell said he borrowed some of his techniques when mentoring others, especially while serving as pastor at the Iowa Juvenile Home in Toledo. Mitchell credits family for much of his success. They, like others were a guiding light on a path which led him to the hall of fame. ——— Contact Mike Donahey at 641753-6611, or

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Rape crisis centers, victim advocacy groups, and law enforcement agencies work diligently to combat April is Sexual Assault the crime of sexual abuse, Awareness Month and is a to help survivors and to try good time to focus public to stop sexual assaults. attention on the epidemic Unfortunately, resources of sexual violence that for these efforts are thin. plagues our communities. People are often The natural inclination for uncomfortable or embarmost of us is to say that rassed to talk about these these problems occur problems. We tend to somewhere else, in much avoid these discussions larger communities. This and try to keep the reality type of thinking could not of sex crimes hidden from be further from the truth. public view. This only Sexual assault is a commakes it harder for surmon problem that all police vivors to come forward and departments in Iowa deal report these crimes. Many with on a far too regular survivors worry about how basis. In 2014, the Marthe community will pershalltown Police Departceive them. The trauma of ment investigated over 50 being the victim of a sexual sexual abuse crimes. assault is unbelievably Sexual assaults affect devastating for survivors. women, children, and men The fear of being blamed of all racial, cultural, and makes it next to impossible economic backgrounds. for the survivor to come None of us is immune to forward. this devastating crime. In order to stop sexual

April is Sexual Assault Awareness Month

assault, we all need to work for social change. We all need to be more vocal in our fight against sexual assault and in our support of survivors. When you consider that some studies have shown one in five women has been sexually assaulted, it is highly likely someday, someone close to us — such as our spouse, sister, mother, or even our daughter — will report to us they have been sexually assaulted. If you are a survivor of sexual assault and would like to seek out support services within Marshall County, you can contact the Assault Care Center Extending Shelter & Support (ACCESS) at 800.203.3488. You may also report this crime to your local Marshall County law enforcement agency by calling 641-754-5725 or 911.

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PHOTO In this July 4, 2013 photo are shown from left, Chief Petty Officer Andrew West, Petty Officer Third Class Sarah Rhoads, and Petty Officer First Class Andrew Dettmer after a recruit training graduation ceremony at Camp Dodge near Johnston. The three served as staff cadets during the ceremony. West and Rhoads later enlisted in the Marines and Dettmer in the Navy.

Sea Cadets


With the exception of the Missouri and Mississippi Rivers, Iowa is landlocked. As is Marshall County. Which makes it all the more significant that Iowaʼs only United States

Naval Sea Cadet Corps is in county seat Marshalltown. But while the irony may generate some attention, the real value of the Sea Cadet Corps are the life-long attributes of courage, discipline and leadership assimilated by its members. And many a cadet will put in writing exactly how the program has trans-

formed them. Sgt. Cole Lemon of Cherry Point, N.C., was one. “I joined the Sea Cadets in 2009 and was a part of the program for about a year and a half before I enlisted in the Marine Corps,” wrote Lemon. “The amount of gratitude I have for the Central Iowa Sea Cadet program is

immense because it became the basis of my decision to serve our country. Sea Cadets far exceeded any expectations I had, and gave me numerous tools and opportunities for future success. I do not think that Sea Cadets could have done a better job at setting me up for success.” Lemon is a Des Moines native.

Goslinga, I would not have gone into the Army with the mature mindset that I did, thus possibly putting lives in danger,” said Koch. After approximately 13 years of directing the program, Eric reflected positively on his relationship with the cadets. “The vast majority of the most outstanding young people I have ever met, I have met in this program,” he said. “Many of our cadets develop life-long friends in our program and sustain those friendships well beyond Sea Cadets.” Kathleen echoed his comments. ʻI enjoy working with youth and focusing on strengths and building on strengths,” she said. “Our whole adult staff does this work for all the right reasons, wanting to see kids succeed. Kids work hard in the program, find success, and become independent, CONTRIBUTED PHOTOS successful adults. I get a In this July 2012 photo, cadets are shown on the obstacle course at Camp Dodge near Johnston. From left are lot of joy from seeing that Cole Emry, Connor Rise and Vaughn Enterline. The exercise teaches and reinforces problem solving and happen.” team work. And as an educator, of Marshalltown is in “When I first joined Sea Eric understands the procharge, assisted by his Cadets, I was what you gramʼs impact on youth. wife, Kathleen Goslinga could call a ʻtroubled kidʼ “I would like to extend and numerous volunteers. said Koch. “I wasnʼt in any this model to other settings In civilian life, Eric is a major legal trouble, but I where we can have reguteacher and administrator was very defiant towards lar, consistent contact with at Marshalltown Learning my parents and lacking a youth in the program, Academy — an alternasense of discipline. With encourage them academitive high school within the the leadership and guidcally and socially, and help Marshalltown Community ance of Lt. Cmdr. Goslinthem realize their goals School District. ga and his training cadre, and dreams,” he said. “I have found my parI quickly learned not only “This model works for ticipation in Sea Cadets lots of youth and it could about the Navy, but how very rewarding for me scale up easily to work for to be a respectable mempersonally,” said Eric. “It even more youth. Since we ber of society through volis gratifying to know that are volunteer based, that unteering and training.” there are still a large numwork could be done withKoch, a former specialber of hard-working, out a lot of money.” ist with the U.S. Armyʼs younger Americans who For more information, 101st Airborne Division, understand patriotism, visit the National Sea was deployed to sacrifice, and service. The Cadet link, www.seaAfghanistan, and during personal growth of young or Eric at 641his three year enlistment, people while in the pro752-0861 or gram is just so amazing.” experienced some of the command@iowaseamost intense and violent The growth displayed fighting since the war by one former cadet was began in 2001. In this 2012 photo, a cadet is shown climbing tower of ——— captured in a testimonial the Iowa Valley Adventure Course at Marshalltown “If it had not been for from Ryan Koch of Cedar Contact Mike Donahey at 641Rapids, now living in Des my character building and Community College. The cadets do the adventure 753-6611 or mdonahey@timesrecourse and tower for team building and leadership leadership skills instilled Moines. training. in me by Lt. Cmdr.

The program is open to all Iowa youths, and not just those of Marshalltown or Marshall County. The objectives of the Sea Cadet program are to introduce youth, 10-18, to naval life, to develop a sense of pride and patriotism among other attributes. Youths 10-13-year olds are League Cadets, those 13-18 are Sea Cadets. While the Sea Cadets are truly a military-style units with cadet rank and uniforms, cadets do not incur military obligation by enrolling in the program. However, enlistees into the armed services enter at a higher rank and pay grade, and knowledge of military expectations contingent upon an honorable discharged from the Sea Cadet program. To become a League or Sea Cadet, one must meet the following criteria: — be between the ages 10 and 18; — be a citizen or legal resident of the United States, — be a full-time student with satisfactory grades, — be free of felony convictions — be unmarried and of good moral character The cadet enrollee must successfully complete an application agreement and a physical. Additionally, an enrollment fee of $94.50 is required, and $60 must be paid annually for renewal. The group drills once a month at Camp Dodge, Marshalltown High School and other sites in Iowa. There are mandatory drills and other expectations for all cadets. They must attend 75 percent of the drills in a calendar year to maintain membership. The Central Iowa unit is organized as a shipʼs division. Lt. Cmdr. Eric Goslinga


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What is your vision of retirement? When you start out in your career, youĘźre probably not thinking much about retirement. At this point, your picture of a “retirement lifestyleâ€? may be, at best, hazy, hidden as it is behind a veil of experiences youĘźve yet to encounter. But as you move through the years, your view of retirement comes into clearer and closer focus — and this vision will have a big impact on your savings

and investment strategies. Consequently, to create and implement those strategies effectively, youĘźll need to define your retirement vision by identifying its various parts. Here are some to consider: • Travel — if youĘźre like many people, you may dream of traveling during your retirement. But what does “travelâ€? mean to you? Do you envision taking a cruise or an international trip every year? Or is your idea of travel just a

short jaunt to a popular destination, such as a lake or the mountains or the beach? The difference in costs between global and U.S.-based travel can be enormous, so youĘźll need to define your goals and estimate your expenses. • Second home — once you retire, youĘźll have to make some housing-related decisions. Should you sell your home and “downsizeâ€?? Or do you want to keep your current residence and possibly purchase a second home,

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such as a condominium, in another part of the country? Obviously, youʟll need to factor in these choices when you think about how to invest before you retire and how to manage your withdrawals from your 401(k), IRA and other accounts during your retirement. • Volunteer activities — you might think that your volunteer activities during retirement wonʟt affect your finances much. But if you are particularly ambitious, and your volunteerism involves travel, renting space, purchasing equipment and so on, you might be looking at some large cash outlays. Furthermore, if you host people at your house, you may be incurring some types of liability risk, which you might need to address through appropriate insurance

coverage. • Hobbies — during your working years, you may pursue your hobbies always with the thought that you can devote a lot more time to them after you retire. However, expanded hobby activities may involve expanded costs. For example, if youʟre good with cars, you might decide to invest in that foreign sports car of which youʟve dreamed. Or, if youʟre fascinated by genealogy, perhaps youʟll start traveling to places once inhabited by your ancestors. These types of activities can be expensive, so youʟll have to evaluate your saving, spending and investing habits to determine how to accommodate your increased expenditures on your hobbies. • Second career — many people look forward to retiring from one

career so they can start another — opening a small business, consulting or even taking a parttime job. Clearly, if you were to start your own business, some expenses would be involved, so youʟll have to plan for them. Even if you become a consultant or work part time, you could incur various costs, including travel. And, in relation to these types of work, you may also have insurance and health care issues to address. By identifying the various components of your retirement vision, and estimating their respective costs, you can make those saving, spending and investment choices that can help you work toward your retirement dream. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

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Three keys for helping leave children a solid legacy

Working past retirement age The Financial Crisis of 2008 and 2009 had and continues to have many older Americans considering the prospects of staying in the workforce past their normal retirement age. But, working past your normal retirement age is not a new necessity. According to the Social Security Administration, more than 30% of individuals between the ages of 70 and 74 reported income from earnings in 2010, the latest year data is available. Among a younger age group, those between 65 and 69, nearly 49 percent had income from a job. Some remain employed for personal reasons, such as a desire for stimulation and social contact; others still want a regular paycheck. Whatever the reason, the decision to continue working into your senior years could potentially have a positive impact on your financial future. Working later in life may permit you to continue adding to your retirement savings and delay making withdrawals. For example, if you earn enough to forgo Social Security benefits until after your full retirement age, your eventual benefit will increase by between 5.5% and 8% per year for each year that you wait, depending on the year of your birth. However, if you consider the time value of money and you earn below the threshold permitted you may want to begin your Social Security benefits as soon as possible. You can determine your full retirement age at the Social Security Web site ( or by calling the Social Security administration at 800-772-1213 or visit your local

Social Security office. Depending on the circumstances of your career, working could also enable you to continue adding to your retirement nest age. If you have access to an employer-sponsored retirement plan, you may be able to make contributions and continue building assets in that plan. If you donʼt have access to an employer-sponsored retirement plan, you may want to consider whether you can fund an IRA. Just remember that after the age of 70 ?, you will be required to make withdrawals, known as required minimum distributions or RMD, from traditional 401(k)s and traditional IRAs among other retirement plans. RMDs are not required from Roth IRAs or Roth 401(k)s. Even if you do not have access to a retirement account, continue to earn income may help you to delay tapping into your personal assets for living expenses, which could help your portfolio last longer in the years to come. Whatever your decision, be sure to apply for Medicare at age 65. In certain circumstances, medical insurance might cost more if you delay your application. Work doesnʼt have to be a chore. You may find opportunities to work part time, on a seasonal basis, or capitalize on a personal interest that you didnʼt have time to purse earlier in life. Securities and insurance services offered through SagePoint Financial, Inc., member FINRA/SIPC. Investment advisory services offered through Kileen D. Rezac, a registered investment advisor not affiliated with SagePoint Financial, Inc. 25 S. Center, Marshalltown, IA 50158;641-752-2041;

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Estate planning conversations are never easy, but theyʼre crucial for helping create a secure future for your family. In particular, estate planning tools such as wills and trusts can help ensure that your children will be taken care of if you — or you and your spouse — are no longer there for them. Executing an estate plan lets parents determine who will raise their children and how their finances will be managed,” says Deborah Lauer, Vice President of Estate Planning for Wells Fargo Advisors. “It typically helps the parents gain comfort.” Your plan should account for a number of factors, including the size of your estate, who will raise your children, and how assets will be managed and distributed to your heirs. Pay particular attention to the following three items. 1. The Distribution Structure You might assume that naming guardians in a will is a comprehensive estate plan, but itʼs really just the beginning. You also need to determine how assets will be managed for your children and when the assets will be distributed to them. Rather than simply bequeathing assets directly to your children, talk to your estate planning attorney about establishing a trust to distribute the property. In that way, you can control when your children receive those assets and even how the money is used. Depending on your specific priorities, you can structure a trust to extend well into adulthood or dissolve when your child reaches the age of majority for your state. “Parents have to try to extrapolate what they think their childʼs level of maturity would be at age 18, 21, or perhaps a more mature age,” Lauer says. Trusts are by no means uniform — they may be revocable or irrevocable, and have provisions that are unique to your familyʼs situation. For example: A revocable living trust is a trust executed and funded while you are still alive. It benefits you while you are alive and then distributes your assets (outright and/or in trust) to your beneficiaries upon your death. A testamentary trust is funded upon

your death and stipulates when and how your assets will be transferred to your heirs. 2. The Suitable Guardian If you have minor children, itʼs essential to arrange for their care. You can use a will to appoint guardians. While a relative or close family friend can fill that role, Lauer says, if possible, itʼs important to designate someone who already has a close relationship with the child and, ideally, lives nearby to limit the disruption in the childʼs life. “When choosing a guardian, also consider such details as the guardianʼs religious beliefs, financial means, and connection with your extended family,” she says. Lauer suggests naming alternative guardians in case your chosen guardian dies or is otherwise unable to fulfill the duties laid out in your will. She also recommends revisiting this list every three to five years and updating it as necessary. 3. The Rationale Many children will find estate planning discussions uncomfortable, but some decisions, such as whom to name as guardian, can benefit from your childrenʼs input. Other details will depend on your family situation and financial means. Many parents are reluctant to fully disclose their financial position to their children, which is fine, says Lauer. But parents should at least explain the rationale behind their estate planning decisions. Doing so may help avoid hurt feelings or misunderstandings in the future. “When assets are left in trust, children may think itʼs because their parents didnʼt trust them,” Lauer says. In truth, you may have set up a trust to avoid probate, minimize estate taxes, or to protect the assets for future generations. If so, make that clear to your kids. It can be easy to put off these important preparations, particularly when dayto-day financial decisions seem more pressing. But these matters have a direct bearing on your familyʼs future. “Itʼs important that children know that their parents are looking out for them and planning for their long-term needs,” Lauer says. “And for parents, itʼs about taking control and having a plan in place to help ensure their children are taken care of in a manner of their choosing.”


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Jeff Isgrig First Vice President Investment Officer

Debra Oetker - CFP® First Vice President Investment Officer

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