mt may 2014
JUAN TEJADA MPD Employee of the Year
A SPECIAL PUBLICATION OF THE
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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.
DONAHEY MARSHALLTIMES STAFF WRITER
Honoring local police officers who put their life on the line every day makes this edition of Marshalltimes notable. And It celebrates the second annual TimesRepublican/Marshalltown Police Departmentʼs Employee of the Year award. Officer Juan Tejada of Marshalltown is the winner, and his story begins on page four. Fellow Officer Vern Jefferson was the first honoree in May 2013. This writer presented the award to Tejada at the Marshalltown city council meeting Monday night as
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part of National Police Week. Fittingly, Jefferson and Tejada were nominated by fellow employees — sworn and civilian personnel — and selected by a MPD committee. Chairing the committee was Lt. Ron Ohrt. Joining him were Alicia Hunter, administrative assistant, Sgt. Todd Tuttle, Rhonda Allen, records clerk, Angie Beaty, E911 communications operator, Officer Ryan Dehl and Detective Sadie Weekley. All MPD employees were asked to submit written nominations directly to Ohrt. The nominations were to include a brief synopsis detailing why an individual
was nominated. All department employees were eligible for the award and encouraged to submit a nomination. After the nomination period closed, the committee met to review all submittals. The committee then made a final recommendation to Chief of Police Mike Tupper, who reviewed the selection with the MPDʼs three division captains. “Officer Tejada represents the kind of person we want to represent the Marshalltown Police Department,” said Ohrt. “He does solid work, and is always willing to help. And he has worked tirelessly as one of our field training officers help-
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ing recruits.” Tupper also acknowledged Tejadaʼs contributions. “Officer Tejada serves as our department Taser instructor and serves on the tactical team,” he said. “Juan is a superstar and a great guy.” Tupper also shared sobering statistics in concert with National Police Week. “One law enforcement officer is killed in the line of duty somewhere in the United States every 58 hours,” he said “Since the first known line-of-duty death in 1791, more than 20,000 U.S. law enforcement officers have made the ultimate sacrifice. Over the last decade, an average 150 police officers are killed on duty in the U.S. annually and over 50,000 assaults on peace officers each year. 100 police officers were killed in the lineof-the duty in 2013.” Tupper concluded by asking all to take time to thank a law enforcement professional. ——— Contact Mike Donahey at 641-7536611 or firstname.lastname@example.org
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• Sharpen Your Riding Skills - Be Smart Know your abilities and ride within your limits. Spring is here, and with Earn and maintain your the warmer weather, we motorcycle license. A rider will see more motorcycles refresher course can on the streets and highsharpen oneʼs skills and ways. The Marshalltown increase riding enjoyment. Police Department offers • Allow Plenty of Space the following information Allow space for to help keep everyone motorists to see and react. safe in their travels so Scan for changing traffic motorcycle riding season and roadway conditions. can be enjoyable and free Allow space for emerfrom tragedy. The safety gency braking and crash information used below avoidance. was obtained from the • Signal Your Intentions Iowa Department of Signal before changing Transportation. lanes. Avoid weaving between lanes. Flash your Motorcyclist Tips – brake light before slowing Ride Bright: down and stopping. Make Yourself Visible • Be Courteous and Be Seen Respectful Use a modulating head Being courteous, nonlamp. Choose riding gear aggressive and cooperathat increase your visibility tion can go a long way in in traffic and provides pro- reducing crashes. tection in a crash. Use • Motorist Tips – Drive bright colors and retroSafe: reflective strips or decals, Look for Motorcycles especially at night. While helmets are not legally Modulating motorcycle required in Iowa, HELheadlamps are legal and METS SAVE LIVES. help make motorcycles • Ride So Your Are more visible. Watch out at Seen intersections and when You and your motorcy- making left turns. Motorcycle are easily hidden in cles are everywhere. traffic, in motoristsʼ blind LOOK TWICE AND SAVE spots, or against a bright A LIFE. sky. Use lane positioning • Respect the Motorcyto be seen. clist
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Motorcycles are vehicles with the same privileges as any vehicle on the roadway. Give the motorcyclist a full lane of travel. • Sharpen Your Driving Skills Check your knowledge and habits. Take time to read the Iowa Driverʼs Manual at renewal time. A driver refresher course can upgrade skills and increase driving enjoyment. • Allow Plenty of Space Traffic, wind, weather and road conditions affect the motorcyclist differently. Leave more following distance allowing room for the motorcyclist to maneuver and enough time for you to react. Signal Your Intentions Always signal before changing lanes. Check blind spots frequently and always check before changing lanes. • Be Courteous & Respectful Being courteous, nonaggressive and cooperative can go a long way in reducing crashes. For more information, please contact Police Chief Michael Tupper, 641-754-5771, or via email at email@example.com.
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MPD Employee of the Year T-R PHOTO BY MIKE DONAHEY
Officer Juan Tejada is shown holding the Marshalltown Police Departmentʼs Employee of the Year award Tuesday. On hand to witness the presentation at Mondayʼs city council meeting were Marshalltown Chief of Police Mike Tupper, members of the MPD, family and friends.
By MIKE DONAHEY
fficer Juan Tejada is the 2014 Marshalltown Police Departmentʼs employee of the year. Tejada, a five year MPD veteran, was nominated and selected by his peers and recognized with the award by the TimesRepublican, the award sponsor, at Monday nightʼs city council meeting.
Police Chief Mike Tupper lauded Tejadaʼs efforts. “We were pleased with Officer Tejadaʼs selection by the committee and we supported it,” Tupper said. “Juan is a great guy.” In addition to his work as a patrolman, Tupper acknowledged Tejadaʼs work as the chief Taser instructor, a field training officer, a member of the tactical (SWAT) team and car seat technician.
Tejada was candid in describing his motivation to be in law enforcement. “Most of it (the motivation) is that I like to help people,” he said. “Plus I am always interested in catching the bad guys ... and stopping crime.” He was born in Mexico, but moved to Marshalltown as a youth when his father found employment. Tejada attended Marshalltown schools, and graduated from Marshalltown High
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slowed down quite a bit, backup had arrived.” and I continued chasing In Tejadaʼs opinion, him.” Tasers have helped the The perpetrator was MPD a lot. later caught with the While hardware such help of a deputy. as Tasers and the offiTejada described the cerʼs duty weapon are experience as physically valuable, Tejada said the taxing. MPD places much “At the end it felt pret- emphasis on training ty exhausting ... for the personnel for high risk chase to go on that situations, so officers are long,” Tejada said. “To prepared to act. be in a pursuit for that When not on duty, amount of time.” Tejada enjoys bicycling, Car chases can be fishing and family activideadly for law enforceties. ment personnel, and one He started bicycling claimed the life of a local last year to maintain fitofficer 60 years ago. ness, and is a member MPD officer Glenn of MPDʼs bicycle patrol. Crouse died in a crash He has been out on when attempting to halt bicycle patrol three times a fleeing vehicle. this spring. Tejadaʼs knowledge of Tejada said riding a properly responding to a bicycle allows more call and use of his Taser interaction with residents was valuable when he versus being in a squad confronted an intoxicatcar. ed intruder who had broSoon officers on bicyken into a house. cles will be handing out “The family was free ice cream tickets to scared,” Tejada said. children wearing a hel“The subject refused to met when cycling, he follow any of my comsaid. CONTRIBUTED PHOTO mands, like ʻturn around Tejada said that simFrom this Sept. 21, 2013 photo, Officer Juan Tejada of the Marshalltown Police Department is shown checking and put your hands ple act has an impact on a child car seat for compliance at the Marshalltown Hy-Vee. behind your back.ʼ He the youth rider that “we was yelling and scream- are here to help.” School in 1991. to direct new recruits in other personnel and by down, but still could ing It became necessary ——— Later he became an law enforcementʼs best Lt. Ron Ohrt. keep an eye on him. to use my Taser after Contact Mike Donahey at 641-753American citizen. practices. “Officer Tejada excels When he hit gravel he Prior to joining MPD, “I consider being a at being a field training Tejada worked at Maytag field training officer to be officer,” Ohrt said. “Iʼve in Newton and four years a big accomplishment,” seen him work tirelessly at the Marshall County he said. “Several of us with recruits. He works Sheriffʼs Office. put our names in to be with them to ensure they His purpose in taking considered and I was understand proper law the job, which was at the one of three selected. enforcement techMarshall County Jail, “Being selected is niques.” was to find out if he liked being told that we were Pursuit skill was of law enforcement. the best officers immense value approxiThe answer was yes. ... that we had been mately three years ago, He took action and he exhibiting what an officer when Tejada was applied for work with the should be ... and now, involved in a 20-minute sheriffʼs office and MPD, we are training new offi- car chase that proceedand then joined the local cers to be exactly like ed out of town, with department. us.” speeds exceeding 100 Among his duties, he Tejada said the job mph. has especially enjoyed consists of teaching The perpetrator was being a car seat techniproper radio communica- headed east on Main cian. tions, location identifica- Street near 18th Avenue, At a recent event tion, driving skills, pursuit Tejada said. Tejada inspected more training and proper pro“Even at that high than 60 car seats. cedures in handling cer- speed, he was still T-R PHOTO BY MIKE DONAHEY He also takes pride in tain calls among other pulling away ... once I hit Officers Casee Veren left, and Juan Tejada of the Marshalltown Police Department being one of three tasks. 100 mph I backed off. are shown on a billboard on South Sixth Street sponsored by the local Neighbordepartment field officers. His work as field train- He had no regard for The job requires him ing officer was noticed by anything ... I had to slow hood Crime Watch.
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INVESTMENT CORNER account that paid hypothetical 3 percent interest (which is actually higher than the rates typically being paid today). After 30 years, you would have accumulated about $106,000, assuming you were in the 25 percent FINANCIAL ADVISOR federal tax bracket. Now, EDWARD JONES INVESTMENTS suppose you put that same $200 per month in But in thinking of your a tax-deferred investSaving Is good … tomorrow. You need your savlong-term goals, such as ment that hypothetically but it’s not ings to pay for your daily college for your children earned 7 percent a year. investing expenses, such as groand a comfortable retire- At the end of 30 years, ceries, and your monthly ment for yourself, most you would end up with Itʼs a good thing to bills — mortgage, utiliindividuals typically canʼt about $243,000. (Keep in have some savings. ties, and so on. In fact, simply rely on their savmind that you would have When you put the money you might even want ings — theyʼll need to to pay taxes on within a low-risk account, you your savings to include invest. Why? Because, drawals. Hypotheticals can be pretty sure it will an emergency fund con- quite simply, investments do not include any transbe readily available when taining six to 12 monthsʼ can grow — and you will action costs or fees.) you need it. Nonetheworth of living expenses need this growth potenThis enormous dispariless, “saving” is not to pay for unexpected tial to help achieve your ty between the amounts “investing” — and know- costs, such as a new fur- objectives. accumulated in the two ing the difference could nace or a major car To illustrate the differ- accounts clearly shows pay off for you far into repair. ence between saving the difference between the future. These are all “here and investing, letʼs do a “saving” and “investing.” Think about it this and now” expenses — quick comparison. SupStill, you might be thinkway: Saving is for today, and you could use your pose you put $200 per ing that investing is risky, while investing is for savings to pay for them. month into a savings
while savings accounts carry much less risk. And it is certainly true that investing does involve risks — investments can lose value, and thereʼs no guarantee that losses will be recovered. Nonetheless, if you put all your money in savings, youʼre actually incurring an even bigger risk — the risk of not achieving your financial goals. In fact, a low-rate savings account might not even keep up with inflation, which means that, over time, you will lose purchasing power. Ultimately, the question isnʼt whether you should save or invest — you need to do both. But you do need to decide how much of your financial resources to devote toward savings and how much toward investments. By paying close attention to your cash
flow, you should be able to get a good idea of the best savings and investment mix for your particular situation. For example, if you find yourself constantly dipping into your long-term investments to pay for shortterm needs, you probably donʼt have enough money in savings. On the other hand, if you consistently find yourself with large sums in your savings account even after youʼve paid all your bills, you might be “sitting” on too much cash — which means you should consider moving some of this money into investments with growth potential. Saving and investing — thatʼs a winning combination. —This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
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Your Personal Debt Ceiling The market upheaval in the third quarter of 2008 kicked off more than the Great Recession. It spurred Americans to get a handle on their major financial obligations. Household debt payments in the United States, as a percentage of personal disposable income, were 15.7 percent at the end of the third quarter of 2012. That is a steady drop since the third quarter of 2008, when the rate was 18.2 percent. But do lower debt levels indicate that Americans have learned how to safely use credit to support their financial goals? “Lending, borrowing and financing are absolutely critical parts of the economy and of a personal financial plan,” says Adam Holtzschue, head of Lending & Banking Services at Wells Fargo Advisors. “But you must use credit sensibly and within your means.” For most of us, itʼs not feasible to avoid debt entirely. In some cases, such as taking out a mortgage to finance a large purchase over time, borrowing money might be smarter than spending cash. Here are guidelines to help you understand how to use credit wisely and maintain a reasonable balance between your cash flow and debt.
Your Debt Ratio Smart credit use starts with knowing how much personal debt you can reasonably carry from month to month. Holtzschue offers a few benchmarks you can measure your debt against. Generally speaking, you shouldnʼt be paying more than 30 percent of your gross income monthly for your mort-
gage payment, Holtzschue says. Your total debt payments — including mortgage payments, credit cards and other loans — shouldnʼt total more than 40 percent of your gross annual income. Operating above or below those general guidelines may sometimes be appropriate, depending on your income level, your confidence in its continuity, the level of your cash reserves and other factors. A financial advisor can help you calculate your debt-to-income ratio and discuss ways to make more informed credit decisions. It often makes sense to borrow money for a large asset purchase, such as a home or a college education. And you can avoid liquidating investment assets that are part of a carefully constructed plan or might create unnecessary tax consequences if sold. In fact, low interest rates are making financing an even more attractive option for many consumers. But low rates or low monthly payments should never be the sole reason you take on debt. You have to be confident in your ability to repay the loan. If your income varies greatly from year to year or if you are uncertain about the stability of your job, you may want to reconsider taking on a long-term loan.
Is It Worth the Debt? Before you make a purchase, compare the length of the loan with the useful life of the asset. You donʼt want to finance something for longer than you intend to own or use it, Holtzschue says. If you find yourself stretching the length of a loan just to get to an affordable monthly payment, consider putting off the purchase until youʼve saved more for the down payment.
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Planning for Retirement It used to be that Americans could count on a pension plus Social Security to get them through their Golden Years. But, traditional pensions only account for an estimated 18 percent of the total aggregate income of todayʼs retirees, and Social Security accounts for only about 36 percent according to the Social Security Administration, “Fast Facts & Figures About Social Security, 2013.” As you begin thinking about a comfortable retirement, consider that by most estimates you will need at least 60 percent to 80 percent of your final working yearʼs income to maintain your lifestyle after retiring. And, donʼt forget that your annual income will need to increase each year – even during retirement – in order to keep up with inflation. At an average annual inflation rate of three percent, your cost of living would double every 24 years. You will also have to consider the likelihood of increased medical costs and health insurance premiums as you grow older. The average cost of a yearʼs stay in a semi-private room in a nursing home, for instance, is now over $80,000 a year and could rise to more than $130,000 per year by 2030, assuming an annual inflation rate of three percent according to the National Eldercare Referral Systems, LLC, “Cost of Care Survey, 2013.” If this dose of reality makes you glum, cheer up – you have some allies. Investment vehicles, such as your employer-sponsored retirement plan and individual retirement accounts (IRAs), allow you to put off paying taxes on your earnings until you begin taking withdrawals, typically during retirement
when you may be in a lower tax bracket. Additional, time can be an ally – or an enemy. Delaying the process of investing can significantly reduce your results. Consider this example: Jane beings investing $100 a month in her employer-sponsored retirement plan when she is 25 years old. Mike begins investing the same amount when he is 35 years old. Assuming an 8 percent annual rate of return compounded monthly, and both Jane and Mike retiring at the age of 65, Mike will have approximately $150,030 and Jane will have reaped $351,428. This example is purely hypothetical and for illustrative purposes only but does reflect the time value of money. The hypothetical rate of return used does not reflect fees or charges inherent to investing and the example does not represent the return of any actual investment. Your results will vary dependent upon how your investments are allocated. While this is only a hypothetical scenario and there are no guarantees any investment will provide the same results, you can see the remarkable difference starting early could make. But, no matter what your age, contributing the maximum amount to your employer-sponsored retirement plan (especially if they match) and your IRA each year could help you achieve the comfortable retirement that each of us desires. Our website address is rezaccfp.finlsite.com (Sage-Point Financial, Inc.). It has information from life event articles and financial calculators to market summaries and E-seminars. Please visit it and donʼt forget to add your favorites, If you have comments, suggestions, or accolades, please let us know.
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