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Living Urbandale july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT WWW.IOWALIVINGMAGAZINES.COM RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE FAITH ENJOYING THE GREAT OUTDOORS WITH THE COMFORTS OF HOME PRSRT STD ECRWSS U.S. POSTAGE PAID BIG GREEN UMBRELLA POSTAL CUSTOMER BIG GREEN UMBRELLA 414 61st Street Des Moines, IA 50312 All DECKED out

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Page 1: Urbandale LivingUrbandaleLiving july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT  RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE

LivingUrbandalejuly 2013

50322/50323

magazine

SIGN UP FOR A SNEAK PREVIEW AT WWW.IOWALIVINGMAGAZINES.COM

RELAXED AND COMFORTABLEWHERE WE LIVE

MOUNTAINEERGARAGE

MARRIED SINGLEFAITH

ENJOYING THE GREAT OUTDOORS WITH THE COMFORTS OF HOME

PRSRT STDECRWSS

U.S. POSTAGEPAID

BIG GREEN UMBRELLA

POSTAL CUSTOMER

BIG GREEN UMBRELLA414 61st Street

Des Moines, IA 50312

All

DECKEDout

Page 2: Urbandale LivingUrbandaleLiving july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT  RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE

JULY | 2013 Urbandale Living www.iowalivingmagazines.com/urbandalendaleJULYJULY | 2| 013 Urbandale Livingg www.iowalivingmg agag zines.comm/uuurrrrbbban

Choosing hospice means cherishing every moment of every day. WesleyLife Hospice supports patients and their families, teaching each one about what to expect throughout the course of the illness. As a faith-based nonprofit, we embrace our mission to offer dignity and comfort when end-of-life care is necessary.

The result is peace of mind.

For more information, please visit

WesleyLifeHospice.org 515-608-8940

WesleyLife Hospice offers the compassion you’d

expect from family.

your of mind.Our mission:

Page 3: Urbandale LivingUrbandaleLiving july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT  RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE

welcome By Shane Goodman, [email protected]

www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 3

Darren TromblayEditor515-953-4822 ext. [email protected]

Beth [email protected]

Julie [email protected]

Go easy on the deck sealerW hen my wife and I bought our first home back in 1993, we were

intrigued by the new deck that the previous homeowners had installed just months prior. The home was a couple decades old at

the time and was showing its age, but that deck sparkled. It was clearly one of the strongest selling points for the house, at least for a young couple that was eager to have friends over to entertain. This was our first home, and I took care of that deck like it was a Rolls Royce. I scrubbed and cleaned it that first year, and I even sprayed on a fresh coat of sealant with a fancy, new sprayer I bought. Water beaded up on that deck like a freshly waxed car hood. We painted our house later that year, and it looked great, too. But within a few months, I noticed paint falling off the back side of the

house, specifically around the deck. I feared this was going to happen all over. I repainted the affected areas, but the paint continued to flake off. Then it hit me. With my full attention on the deck, I didn’t realize that I oversprayed the sealer onto the house. A bit of light sanding and another coat of paint did the trick. I learned to be more careful with future maintenance, and I never questioned the strength of deck sealer again. Today, decks continue to be a source of pride for many people, which you will see in our cover story this month that features local residents who have their homes “all decked out.”

Give us 5!If you’ll give us five minutes, we’ll give you an even better magazine. That’s a big promise, but if you will answer a handful of questions, it will help us do a better job creating exactly the magazine you want. The circulation and readership of all our magazines is already audited as a whole by the Circulation Verification Council, but this questionnaire helps us better understand the readership of each individual publication. Your responses are confidential, and you will remain anonymous. We simply want to know how we can better serve our readers and advertisers. Please visit https://www.research.net/s/100281 or scan the QR code with your Smartphone. I appreciate your help. Thanks for reading.

Shane GoodmanPublisher

For a complete set of contest rules, visit Guest Services. For list of tax-free items: www.state.ia.us/tax/educate/holiday1.html

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Page 4: Urbandale LivingUrbandaleLiving july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT  RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE

On the cover: Mike and Kim Greth. Photo by Michael Swanger.

Urbandale Living magazine is a monthly publication of Big Green Umbrella Media, Inc., an Iowa corporation. Nothing may be reprinted in whole or in part without permission of the publisher. Urbandale Living magazine is mailed free of charge to every household and business in the 50322/50323 ZIP codes. Others may subscribe for $18 annually. Copies of past issues, as available, may be purchased for $3 each (plus shipping if required).

inside

5 Cover story

All decked out

10 Calendar

A comprehensive list

13 Banking

Getting out of a rut

14 Where we live

Relaxed and comfortable

15 Education

Meet Dustin Larson

15 Garage

Mountaineer

16 Faith

Married single

17 Legal briefs

Six essentials

18 Insurance

Selecting a home contractor

22 Senior living

Medicaid vs. Medicare

24 Chamber

News of local events

Page 5

Page 14

Page 15

ADDRESS: 414 61st Street, Des Moines, Iowa 50312PHONE: 515.953.4822EDITORIAL: ext.304ADVERTISING: ext.319DISTRIBUTION: ext.301DESIGN: ext.313ACCOUNTING: ext.301FAX: 515.953.1394WEB: www.iowalivingmagazines.com

PUBLISHER: Shane GoodmanEDITOR: Darren TromblaySALES MANAGER: Jolene GoodmanACCOUNT EXECUTIVES: Julie Downing Beth Raasch Brooke Pulliam Dan Juffer Wendy Goodale Pete Gardner Jen Reed Christina Anderson

DIGITAL: Lindsey WoodyDESIGN MANAGER: Celeste JonesGRAPHIC DESIGNERS: Karen Ericson Tyler NashEDITORIAL ASSISTANT: Kathleen SummyCONTRIBUTORS: Michael Swanger Cady Colosimo Elaine LenzeBUSINESS OFFICE MGR: Brent AntisdelDISTRIBUTION: Brent Antisdel

Circulation and readershipaudited by

4 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

Call Dave today515.418.1730

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Page 5: Urbandale LivingUrbandaleLiving july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT  RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE

feature Submit story ideas to [email protected]

U rbandale residents enjoy their decks in different ways, whether they are relishing the peace and serenity of a morning cup of coffee, firing up

the outdoor grill for a family meal, sunbathing, reading a book or celebrating the summer holidays by hosting parties with friends. Ask those who spend a significant amount of time during the warm weather months on their deck, and they will tell you that it is time well-spent. Just as there are many ways to enjoy your deck, there are more designs and materials to consider when building or refurbishing one. From choosing an open or covered deck; to selecting pressure-treated lumber, wood-plastic composites or pre-fab materials; to sorting out colors and finishes; to contemplating a multitude

By Michael Swanger

Top: Mike and Kim Greth of Urbandale enjoy hosting family and friends on their spacious deck. Above: The Greth’s upper level deck wraps around the back of their home and can be accessed by

slider doors connected to the master bedroom, the great room and a breakfast nook.

www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 5

ENJOYING THE GREAT OUTDOORS WITH THE COMFORTS OF HOME

DECKEDAll

outPh

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by M

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Phot

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Page 6: Urbandale LivingUrbandaleLiving july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT  RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE

of accessories that include fur-niture, grills, smokers, umbrellas and awnings — not to mention all of the options for ground level decks that may include pergo-las, outdoor kitchens, bars and islands — the choices are stag-gering. Those kinds of decisions are among the many that Mike and Kim Greth of Urbandale made two years ago when they con-tracted with K&V Homes to cus-tom build their new home, which they moved into in June 2012. Like other facets of the design and construction of their spa-cious home, they had specific ideas regarding what they wanted for their deck, which totals 474 square feet. “We took a plan that the contractor provided us and mod-ified it to fit our needs,” says Mike Greth, First Vice President-Investment Officer at Wells Fargo Advisors. “We couldn’t be happier with the way it turned

out.” Greth describes his deck as “unusual” not only in its shape, but in the way that it functions for

his family, including the couple’s two daughters. The upper level deck wraps around the back of their home and can be accessed

by slider doors connected to the master bedroom, the great room (complete with a large picture window) or the breakfast nook. “We wanted to have our indoor and outdoor space con-nected, which is why we wanted the deck to connect to the house in three places,” he says. “We like the way it makes the house flow and how we always feel like we’re a part of what’s going on with an open design.” The deck was also designed to have a “clean look” in which the view of it from the backyard is aes-thetically pleasing in that the stairs are mostly hidden from sight. “It doesn’t have a bulky look to it,” says Mike Greth. “That’s what we wanted.” Just outside the breakfast nook on the deck sits a table where the family frequently eats meals, as well as an outdoor grill, which the family patriarch uses three or four nights a week. The Gossen decking floorboards

6 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

feature Submit story ideas to [email protected]

A spiral staircase connects the deck and patio at the Greth’s home.

Phot

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Mic

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Sw

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SCHEDULE OF EVENTSJuly 3-7 Fourth of July CelebrationJuly 10-14 North Iowa FairJuly 11, 18, 25 Thursdays on Main July 12-14 Bicycle, Blues & BBQJuly 13 Lions Breakfast by the LakeJuly 21 Lions Chicken BBQJuly 27-27 Iowa Story Telling FestivalJuly 27 Art SailJuly 27-28 Lakeside Dixiefest August 1, 8, 15 Thursdays on MainAugust 3-4 C.L.A.S.S Summer Dance Cruise & Show August 9-11 Pirate FestivalAugust 11 Lions Hamburger & Sweet Corn FeedAugust 31 BeachfestOctober 5 Harvest Festival

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Page 7: Urbandale LivingUrbandaleLiving july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT  RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE

made of stain resistant and long lasting PVC materials is neatly trimmed by a long black railing overlooking a scenic view of the Greth’s backyard, which includes trees and wildlife. “It’s not uncommon to see deer and other animals in our backyard. Our dog loves sitting out here and watching them,” says Mike Greth. “We also get a great view of the moon at night. It’s one of the reasons why we didn’t want to cover the deck. We wanted it to be as natural as possible.” The deck’s open-air design also is perfect for sunbathing. “We’re fortunate that the house sits in the direction that it sits in because we get daytime sun but it doesn’t get too hot on the deck. The angle of the house and the deck is absolutely perfect,” says Kim Greth. “It’s a great place to sit out there and relax, eat, read a book or listen to music.”

The Greths had outdoor speakers installed on their deck, one of the amenities necessary for hosting family and friends as they often do. “We like to entertain a lot, so the deck is a focal point for our parties during the summer,” says Mike Greth. A separate seating area with chairs and a small table sits outside the master bedroom and gives the couple another vantage point on their deck. It is located near a black spiral staircase that leads to the ground level of their backyard where a large hot tub is located underneath their deck near the home’s walkout basement. “We use the hot tub, but not as much as we would like,” says Mike Greth. “I like how the stairs don’t obstruct our view from the hot tub or the basement.” At the end of the day, the Greths say their deck adds anoth-er important element to their dream home.

feature Submit story ideas to [email protected]

Marty Ungs of Urbandale says that his deck is a “good place” to drink coffee, enjoy meals with his family and for his daughters to gather with their friends.

www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 7

Phot

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Your Financial Future Starts Here

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Bilingual Assistance: English and Spanish

(515) 245-2440BankersTrust.com

Bankers Trust – North Branch

At Bankers Trust we believe

the foundation for a solid future starts by choosing a strong

. Consider

banking with Bankers Trust.

Page 8: Urbandale LivingUrbandaleLiving july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT  RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE

8 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

feature Submit story ideas to [email protected]

“It’s something that we both wanted for our family, and something we couldn’t live without,” says Mike Greth. “We really enjoy it.”

An evolutionWhen Marty and Ann Ungs moved into their home in Urbandale eight years ago, there were many amenities that it provided them and their three daughters, including a large open-air wooden deck on the back of the house that is easily accessed through a door to their kitchen. The house was only seven years old at the time when they moved in, and after living there for a few years, they determined that the deck needed some updating so that they could enjoy it more often. “The problem at times was too much sun, so we hardly were on it,” says Marty Ungs, who works as a board certified orthopedic physical therapist for Rock Valley Physical Therapy in Des Moines. “It was a hot thing that nobody enjoyed.” To remedy the problem, Ungs built a pergola over a portion of the deck to provide his family some much needed shade and his wife a place to hang baskets

of flowers. He says he spent a weekend constructing it after downloading a plan from the Internet, modifying it to fit his needs and buying the materials from a local home improvement store. It also features a roll-down shade to help block the harshest sunlight of the day. “It’s made a huge difference,” he says. “Now we try to get out on our deck every evening and weekend and try to have a meal outside.” Ungs says he plans to re-stain the deck’s floorboards this summer. But he doesn’t seem to mind doing that kind of work so that his family can continue to enjoy it. When his three daughters were younger, Ungs says they would swim in a children’s pool or play in a sandbox on or near the deck. These days, they host friends from school for small gatherings. “A while ago, we had our daughter’s dance team over for a get-together. There were about 20 girls out on the deck. We would not have been able to do that if we didn’t have the pergola,” says Ungs. “So as the deck has evolved, so have our needs. It’s a good place

Marty Ungs built a pergola over a portion of his deck to provide his family some much needed shade and his wife a place to hang

baskets of flowers.

Phot

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Mic

hael

Sw

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July

@ RJones Collision

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www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 9

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10 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

Friday, July 5 Toddler Time, 9:30 and 10 a.m.,

Urbandale Public Library. Friday Fest with Abby Normal,

live music, games, and more, $8, kids under 12 free, 5:30-8 p.m., Walker Johnston Park.

Senior Rec Center Activities: beginning line dancing, $1, 10-10:55 a.m., beginning tai chi, 8:30-9:15 a.m., continuing tai chi, 9:15-9:55 a.m.

Water Volleyball Night, 7-8:30 p.m., Urbandale Swimming Pool.

Saturday, July 6 DMCS JV/V Softball at Eddyville-

Blakesburg, 2/3:30 p.m. Trash to Treasure Sale, fund-

raising event, 9 a.m. - 1 p.m., Senior Recreation Center.

Monday, July 8 Book Babies, 9:30 and 10 a.m.,

Urbandale Public Library. Family Story Time, 7 p.m.,

Urbandale Public Library. LHF Member Mondays, join other

Living History Farms Members for exclusive hands-on creative opportu-nities, 3 p.m. Living History Farms.

V Softball Regionals DMCS JV/V Baseball at Council

Bluffs St. Albert, 5:30/7:30 p.m. Magic Tree House Book Club, ages

6-9, registration required, 7-7:45 p.m., Urbandale Public Library.

UHS 9/10 Baseball vs. Valley, 11:30 a.m./5 p.m.

UHS 9/JV/V Softball at Valley, 1/4:15/6 p.m.

UHS V Baseball at Valley, 5 p.m. UCSD Board Meeting, 5:30 p.m.,

City Hall. Senior Rec Center Activities: ama-

teur artists group 9 a.m. - 3 p.m., tak-ing control with exercise 2-2:55 p.m.

Tuesday, July 9 Toddler Time, 9:30 a.m.,

Urbandale Public Library. Book Babies, 10 a.m., Urbandale

Public Library. Family Story Time, 7 p.m.,

Urbandale Public Library. DMCS JV/V Baseball at Pella

Christian, 5:30/7:30 p.m. Touch-A-Truck, 10 - 11 a.m.,

Urbandale Public Library Parking Lot. Chamber Connector Meeting,

11:30 a.m.- 1 p.m. UHS JV Baseball at Valley,

11:30 a.m. UHS 9 Softball at DM East, 1 p.m. Senior Rec Center Activities:

morning fitness class 9:30 - 10:15 a.m., senior singers 1:45 - 2:45 p.m., timely talkers 9:15 - 11 a.m., mixed cards and games 10 a.m .- 3 pm.

Public Art Committee Meeting, noon, City Hall.

City Council Meeting, 7 p.m., City Hall.

Wednesday, July 10 Story Time, 9:30 and 10:15 a.m.,

Urbandale Public Library. DMCS JV/V Baseball vs. Eddyville-

Blakesburg, 3:45/5:45 p.m. Kane Chronicles Book Group,

1-2 p.m., Urbandale Public Library.Basic Meditation for Teens, 7 p.m.,

Urbandale Public Library. UHS 9/10 Baseball vs. SEP,

11:30 a.m./ 5 p.m. UHS V Baseball at SEP, 5 p.m. Senior Rec Center Activities:

heart reach mobile lab, call 1-866-935-5432 for appt 7 a.m. - 1 p.m., beginning tai chi 8:30-9:15 a.m., con-tinuing tai chi 9:15-9:55 a.m., taking

control with exercise 10 - 10:55 a.m., knitting and thread craft group 12:30- 2:30 p.m., yoga 2:30 - 3:30 p.m.

Thursday, July 11 Iowa Cubs game vs. Albuquerque

Dodgers at home, 7 p.m. SonRock Kids Camp VBS, games,

music, crafts, Bible stories for camp-ers pre-K through sixth grade, 6:15 - 8:30 p.m, Urban Heights Covenant Church, 7605 Aurora Ave.

DMCS JV/V Baseball at Martensdale- St. Mary’s, 6/8 p.m.

Story Time, 9:30 a.m., Urbandale Public Library.

Book Babies, 10 a.m., Urbandale Public Library.

Magic Tree House Book Club, ages 6-9, registration required, 10:30- 11:15 a.m., Urbandale Public Library.

Game On, ages 10 and up, play board and video games, 2-4 p.m., Urbandale Public Library.

Teen Makerspace, ages 13-17, drop in between 2-4 p.m., Urbandale Public Library.

Iowa Jones and the Raiders of the Lost Books, join magician and storyteller Chris McBrien, 6:30 p.m., Urbandale Public Library.

Morning Mingle Mixer, 7:30 - 8:30 a.m., Service Legends, 6365 N.E. 14th St.

UHS 9/10 Baseball vs. DM Lincoln, 11:30 a.m./5 p.m.

UHS V Baseball at DM Lincoln, 3:30 p.m.

Softball Regionals Senior Rec Center Activities: morn-

ing fitness class 9:30 - 10:15 a.m., bridge workshop 10:30 - 11:30 a.m., mixed cards and games 10:30 a.m. - 3 p.m.

Friday, July 12 Iowa Cubs game vs. Albuquerque

Dodgers at home, fireworks, 7 p.m. Toddler Time, 9:30 and 10 a.m.,

Urbandale Public Library. SonRock Kids Camp VBS, games,

music, crafts, Bible stories for camp-ers pre-K through sixth grade, 6:15-8:30 p.m, Urban Heights Covenant Church, 7605 Aurora Ave.

UHS 9 Baseball at SEP, 11:30 a.m. Senior Rec Center Activities:

beginning line dancing, $1, 10-10:55 a.m., beginning tai chi, 8:30-9:15 a.m., continuing tai chi, 9:15-9:55 a.m.,

Groovy 60s & 70s Night, 7 - 8:30 p.m., Urbandale Swimming Pool.

Saturday, July 13 Iowa Cubs game vs. Albuquerque

Dodgers at home, 7 p.m. Ioway Culture Day, 10 a.m. -

3 p.m. come explore the tools and technology of the Ioway nation at Living History Farms.

SonRock Kids Camp VBS, games, music, crafts, Bible stories for campers pre-K through 6th grade, 9-11:30 a.m., Urban Heights Covenant Church, 7605 Aurora Ave.

V Baseball Districts Softball Regionals UHS JV/V Baseball at Ballard, 11 a.m./

noon.

Sunday, July 14 Iowa Cubs game vs. Albuquerque

Dodgers at home, 1 p.m.

Monday, July 15 Book Babies, 9:30 and 10 a.m.,

Urbandale Public Library. Family Story Time, 7 p.m.,

Urbandale Public Library. LHF Member Mondays, join other

Living History Farms Members for

calendar Submit event information to [email protected]

JULY 11-14 Albuquerque Isotopes 22-25 New Orleans Zephyrs

SOMETHING FOR EVERYONE!

CALL 515.243.6111 OR TO ORDER TICKETS!Complete schedule online iowacubs.com

UPCOMING HOME GAMES

FIREWORKS EVERY FRIDAY NIGHT!

Page 11: Urbandale LivingUrbandaleLiving july 2013 50322/50323 magazine SIGN UP FOR A SNEAK PREVIEW AT  RELAXED AND COMFORTABLE WHERE WE LIVE MOUNTAINEER GARAGE MARRIED SINGLE

exclusive hands-on creative opportu-nities, 3 p.m. Living History Farms.

DMCS Board of Directors Meeting, 6:45 p.m.

UHS 9/10 Baseball vs. Fort Dodge, 11:30 a.m./5 p.m.

UHS V Baseball at Fort Dodge, 3:30 p.m.

Senior Rec Center Activities: morning fitness class 9 - 9:45 a.m., amateur artists group 9 a.m. - 3 p.m., taking control with exercise 2 - 2:55 p.m.

Tuesday, July 16 Toddler Time, 9:30 a.m.,

Urbandale Public Library. Book Babies, 10 a.m., Urbandale

Public Library. Family Story Time, 7 p.m.,

Urbandale Public Library. V Baseball Districts Softball Regionals UHS 9/10 Baseball at DM East,

10:30 a.m./3:30 p.m. UHS V Baseball vs. DM East, 5 p.m. Senior Rec Center Activities:

morning fitness class 9:30 - 10:15 a.m., senior singers 1:45 - 2:45 p.m., timely talkers 9:15 - 11 a.m., mixed cards and games 10 a.m. - 3 pm.

City Council Lunch and Learn Work session, 11:45 a.m., City Hall.

Wednesday, July 17 Polk County Fair, visit polkcoun-

tyfairiowa.com for more info and schedule, Iowa State Fairgrounds.

Spoon Man Musician, 10 a.m. and 7 p.m., Urbandale Public Library.

On the Same Page, 7:30 p.m., Urbandale Public Library.

Chamber Membership Luncheon, $20 members/$25 nonmembers, speaker Andrew Clark, 11:30 a.m. - 1 p.m., Sheraton West Des Moines.

Senior Rec Center Activities: beginning tai chi 8:30-9:15 a.m., con-tinuing tai chi 9:15-9:55 a.m., taking control with exercise 10- 10:55 a.m., knitting and thread craft group 12:30- 2:30 p.m., yoga 2:30-3:30 p.m.

Park and Recreation Commission Meeting, 5:30 p.m., Council Chambers.

Thursday, July 18 Story Time, 9:30 a.m., Urbandale

Public Library. Book Babies, 10 a.m., Urbandale

Public Library. Game On, ages 10 and up, play

board and video games, 2-4 p.m.,

Urbandale Public Library. Teen Makerspace, ages 13-17,

drop in between 2-4 p.m., Urbandale Public Library.

Polk County Fair, visit polkcoun-tyfairiowa.com for more info and schedule, Iowa State Fairgrounds.

genYP, 8:30-10:30 a.m., Chamber Board Room.

Senior Rec Center Activities: morn-ing fitness class 9:30 - 10:15 a.m., bridge workshop 10:30 - 11:30 a.m., mixed cards and games 10:30 a.m. - 3 p.m.

Friday, July 19 Toddler Time, 9:30 and 10 a.m.,

Urbandale Public Library. Polk County Fair, visit polkcoun-

tyfairiowa.com for more info and schedule, Iowa State Fairgrounds.

Science Center of Iowa What’s Beneath Our Feet, 10:30 - 11:15 a.m., Urbandale Public Library.

Baseball Substate Tournament Senior Rec Center Activities:

beginning line dancing, $1, 10 - 10:55 a.m., beginning tai chi, 8:30 - 9:15 a.m., continuing tai chi, 9:15-9:55 a.m.,

Water Volleyball, 7-8:30 p.m., Urbandale Swimming Pool.

Saturday, July 20 Cityview’s Brewfest, sample more

than 450 varieties of beer, $25 adv/$30 at door, visit www.dmcityview.com for more information, 3-7 p.m.

Polk County Fair, visit polkcoun-tyfairiowa.com for more info and schedule, Iowa State Fairgrounds.

V Baseball Districts

Sunday, July 21 Polk County Fair, visit polkcoun-

tyfairiowa.com for more info and schedule, Iowa State Fairgrounds.

Are You Ready to Learn About Opera?, 1:30 - 2:30 p.m., Urbandale Public Library.

Monday July 22 Iowa Cubs game vs. New Orleans

Marlins at home, 7 p.m. Book Babies, 9:30 and 10 a.m.,

Urbandale Public Library. Family Story Time, 7 p.m.,

Urbandale Public Library. LHF Member Mondays, join other

Living History Farms Members for exclusive hands-on creative opportu-nities, 3 p.m. Living History Farms.

Polk County Fair, visit polkcoun-

tyfairiowa.com for more info and schedule, Iowa State Fairgrounds.

State Softball Tournament Library Board of Trustees Meeting,

5:30 p.m., Urbandale Public Library. Chamber Executive Committee

Meeting, 11:30 a.m. Baseball Substate Tournament State Softball Tournament Senior Rec Center Activities:

morning fitness class 9 - 9:45 a.m., amateur artists group 9 a.m. - 3 p.m., taking control with exercise 2 - 2:55 p.m.

Tuesday, July 23 Iowa Cubs game vs. New Orleans

Marlins at home, 7 p.m. Toddler Time, 9:30 a.m.,

Urbandale Public Library. Book Babies, 10 a.m., Urbandale

Public Library. Family Story Time, 7 p.m.,

Urbandale Public Library. State Softball Tournament V Baseball Districts Tuesday Night Movie, 6:30 p.m.,

Urbandale Public Library. Brown Bag Book Club, noon,

Urbandale Public Library. Beneath Our Feet Blank Park

Zoo, ages 3 and up, 10:30 - 11:15 a.m., Urbandale Public Library.

City Council Meeting, 7 p.m., City Hall.

Senior Rec Center Activities: morning fitness class 9:30 - 10:15 a.m., senior singers 1:45 - 2:45 p.m., timely talkers 9:15 - 11 a.m., mixed cards and games 10 a.m. - 3 pm.

Wednesday, July 24 Iowa Cubs game vs. New Orleans

Marlins at home, 7 p.m. Baseball Substate Tournament State Softball Tournament Story Time, 9:30 and 10:15 a.m.,

Urbandale Public Library. Teen Photography Workshop,

registration required, 6:30-8 p.m., Urbandale Public Library.

Senior Rec Center Activities: beginning tai chi 8:30-9:15 a.m., con-tinuing tai chi 9:15 - 9:55 a.m., taking control with exercise 10 - 10:55 a.m., mindful meditation class 11 a.m. - 12:30 p.m., knitting and thread craft group 12:30 - 2:30 p.m., yoga 2:30 - 3:30 p.m.

Thursday, July 25 Iowa Cubs game vs. New Orleans

Marlins at home, 7 p.m. Story Time, 9:30 a.m., Urbandale

Public Library. Book Babies, 10 a.m., Urbandale

Public Library. Game On, ages 10 and up, play

board and video games, 2-4 p.m., Urbandale Public Library.

Teen Makerspace, ages 13-17, drop in between 2-4 p.m., Urbandale Public Library.

State Softball Tournament Brown Bag Book Club, noon,

Urbandale Public Library. Family Story Time, 7 p.m.,

Urbandale Public Library. Awesome Snakes!, ages 3 and up,

meet a live snake and make a snake craft, 7-7:45 p.m., Urbandale Public Library.

MOXIE, member owners exchange information and experience, 8-10 a.m., Chamber Board Room.

Contacts & Contracts, 11:30 a.m. - 1 p.m., Chamber Board Room.

Senior Rec Center Activities: morn-ing fitness class 9:30 - 10:15 a.m., bridge workshop 10:30 - 11:30 a.m., mixed cards and games 10:30 a.m. - 3 p.m.

Friday, July 26 Toddler Time, 9:30 and 10 a.m.,

Urbandale Public Library. State Softball Tournament LEGO Club, age 5 and up, 4-5 p.m.,

Urbandale Public Library. Contacts & Contracts, 8:30 and

11:30 a.m., Chamber Board Room. Senior Rec Center Activities,

beginning line dancing, $1, 10 - 10:55 a.m., beginning tai chi, 8:30 - 9:15 a.m., continuing tai chi, 9:15 - 9:55 a.m.,

Superhero Night, 7-8:30 p.m., Urbandale Swimming Pool.

Saturday, July 27 Victorian Birthday, practice the

behavior rules for good children, discover clothing, daily life and toys of the era, Living History Farms.

Monday, July 29 Book Babies, 9:30 and 10 a.m.,

Urbandale Public Library. Family Story Time, 7 p.m.,

Urbandale Public Library. LHF Member Mondays, join other

Living History Farms Members for exclusive hands-on creative opportu-nities, 3 p.m. Living History Farms.

State Baseball Tournament Senior Rec Center Activities:

www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 11

calendar Submit event information to [email protected]

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12 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

morning fitness class 9-9:45 a.m., amateur artists group 9 a.m. - 3 p.m., taking control with exercise 2 - 2:55 p.m.

Tuesday, July 30 Toddler Time, 9:30 a.m.,

Urbandale Public Library. Book Babies, 10 a.m., Urbandale

Public Library. Family Story Time, 7 p.m.,

Urbandale Public Library. Butterfliz 101, ages 3 and older,

10:30 - 11:15 a.m., Urbandale Public Library.

Chamber AM Exchange, 7:30 - 8:30 a.m., Strauss Security Solutions, 4663 N.W. 121st St.

Senior Rec Center Activities: morning fitness class 9:30 - 10:15 a.m., senior singers 1:45 - 2:45 p.m., timely talkers 9:15 - 11 a.m., mixed cards and games 10 a.m. - 3 pm.

Wednesday, July 31 Story Time, 9:30 and 10:15 a.m.,

Urbandale Public Library. Contacts & Contracts, for mem-

bers to develop deeper business rela-tionships with purpose of lead sharing and referrals, 11:30 a.m. - 1 p.m., Chamber Board Room.

Chamber Board Meeting, 8 a.m. State Baseball Tournament Senior Rec Center Activities:

beginning tai chi 8:30 - 9:15 a.m., con-

tinuing tai chi 9:15 - 9:55 a.m., taking control with exercise 10 - 10:55 a.m., knitting and thread craft group 12:30 - 2:30 p.m., yoga 2:30 - 3:30 p.m.

Thursday, August 1 Family Story Time, 7 p.m.,

Urbandale Public Library. DMCS at All-State Show Choir

Camp Ronald McDonald, 10:30 -

11:15 a.m, Urbandale Public Library. genYP, after work social event,

5-7 p.m., Chamber Board Room. Senior Rec Center Activities: morn-

ing fitness class 9:30 - 10:15 a.m., bridge workshop 10:30 - 11:30 a.m., mixed cards and games 10:30 a.m. - 3 p.m.

Friday, August 2 Toddler Time, 9:30 and 10 a.m.,

Urbandale Public Library. DMCS at All-State Show Choir

Camp Fairy Party, 10:30 a.m., Urbandale

Public Library. State Baseball Tournament Senior Rec Center Activities:

beginning line dancing, $1, 10 - 10:55 a.m., beginning tai chi, 8:30 - 9:15 a.m., continuing tai chi, 9;15 - 9:55 a.m.

Water Volleyball, 7 - 8:30 p.m., Urbandale Swimming Pool.

Friday Night Card Party, $5/person, 5:30 - 9 p.m., Senior Recreation Center.

View events and happenings from this community and others at

www.iowalivingmagazines.com

calendar Submit information to [email protected] news briefs Submit briefs to | [email protected]

Vacation Bible school has long been a summer staple in churches across the land. Planners begin gearing up to attract and entertainingly educate children months before the weather even turns warm. At Urbandale’s Westkirk Presbyterian Church, final preparations are underway for its annual VBS offering, but this summer’s program will feature a decidedly new twist — Vacation Bible School for the whole family! Man Overboard! Jonah and God’s Great Rescue Plan, set for 5:30 to 8 p.m. Sunday, July 28, through Thursday, Aug. 1, at Westkirk Presbyterian Church, 2700 Colby Woods Drive, will provide a fun-filled platform for parents and children to interact and, most importantly, will equip parents to successfully disciple their children. Each evening will kick off with dinner for the whole family, followed by group worship, and then adults will lead their families (whether related or brought together by the Lord for the week) in a simple and fun time of Bible reading and prayer. Recreational games and crafts will round out the evenings — except for Thursday night, when parents will receive a bonus: an evening out while the kids stay at the church planning a surprise for their return. “The more I prayed about our VBS plans, the more I realized that the Lord was calling our church to encourage parents to lead their children spiritually,” says Benae Duff, Westkirk’s Director of Children’s Ministry. “Parents are their children’s primary teachers — especially in spiritual things. Sometimes as parents, we’re not sure how to lead our children to follow Christ. So, one of our goals with VBS this year is to show par-ents how simple, fun, unifying and encouraging it can be to spend time together as a family studying God’s word. Our prayer is that the kids and parents grow closer to the Lord and to each other during the week.” Registration is free. To sign up, go to www.westkirk.org or call the church at 253-0330 by July 22.

Westkirk Presbyterian puts new twist on VBS

The Urbandale Community Action Network (UCAN) invites all Urbandale families to enjoy seven free Movies at the Park this summer. These family friendly movies will be shown in different Urbandale parks every Friday at dusk. These safe and fun summer activities are sponsored by the UCAN Events Committee and are available to all Urbandale residents wishing to enjoy a family night out in an Urbandale park. Free popcorn and snow cones will be provided. For more information, visit www.urbandalenetwork.org, or find the Urbandale Community Action Network on Facebook or Twitter.

UCAN presents ‘Movies in the Parks’

In partnership with The Optimist Club of Urbandale, Urbandale Middle School students launched an annual publication, “truly U,” celebrating the literary and artistic works of talented classmates. Matthew Onstot with the Optimist Club of Urbandale, Ben Hoffman, seventh grade language arts teacher at UMS, and UMS students Maya Sims and Karin Sickles man-aged the project from concept to completion. Optimist Club members helped format and print the final publication, and sponsored an honor-ary breakfast on May 24, when students received achievement awards. Copies of the “truly U” publication will be distributed throughout the district, local community organizations and in waiting rooms of medical offices and local businesses. This past fall, Onstot brought the idea of “truly U” to UMS Principal Dan Meyer with the hope of encouraging and showcasing the artistic and literary talents of UMS students. Meyer was in full support and Onstot began working with Hoffman and a group of UMS students in order to bring this idea to life. A multitude of submissions were received from UMS students with a total of 13 being selected for publication.

Students, Optimist Club launch publication

Family Vacation Bible School

Free family fun!Dinner served each evening!

Parents’ Night Out on Thursday! Sign up on our website or by phone.

Questions? Email [email protected]

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banking By Holly Bernal

Information by Holly Bernal, CCUFC, Chief Operations Officer at Midland Credit Union, 2891 106th St., Urbandale, 515-278-1994.-

www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 13

O ne of our clients was chatting with us recently and said “I feel like I’m

in a rut, and it’s not just about money. Life seems to be drag-ging on, and I’m just not too into anything. I don’t think a budget or getting out of debt would resolve anything. Do you have some sug-gestions?” We’ve all been there. The rut just looks different for each of us. The good news is you don’t have to stay there. How are you feeling? Maybe you need a trip to your doctor just to make sure this feeling of being in a rut isn’t the result of an illness. How are your eating habits? A change to healthier food may give you increased productivi-ty, increased creativity and even an increased ability to relax. Are you fitting exercise into your routine? Often physical activity clears our heads and helps us think clearer as well as to have more energy. What do you enjoy doing as a hobby or interest? Look at the things that bring positive energy into your life and surround your-self with those as much as possible. This may also mean you try some-thing new, travel somewhere new, try a new recipe, attempt a new sport or exercise class or even meet a new friend. What things in your life can you change to make your life bet-ter? They can be serious lifestyle changes or small daily changes to your routine. Think of that small change you can make today, even if it is a bit uncomfortable at first. Don’t expect things to change completely overnight. It can take

many small steps forward to get all the way out of the rut. Take care of the small things in front of you and use that momentum to continue forward to larger goals. Make a strong commitment to change. Don’t try to be perfect. Work at your own pace and let your-self make mistakes. Find a way you can reward yourself and use that as motivation for change — just make sure your reward isn’t enabling unhealthy habits. And most of all, don’t hang onto past unhappiness or mistakes. Let yourself move forward from the past and forgive yourself if need be. In order to move forward and out of the rut, let go of what is keeping you where you don’t want to stay.

Let go of what’s keeping you stuck

Getting yourself out of a rutBy Holly Bernal, CCUFC, Midland Credit Union

JOHNSTON5601 Merle Hay Road

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515.984.6211

a community bank close to home!

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14 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

Chris and Dawn Uglum put their own spin on their house that was constructed in 2005.

where we live Submit ideas to [email protected]

Phot

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Len

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A s I walked up to the Uglum home, I could hear the sounds of children playing.

One thing was clear; summer has finally arrived. Upon knocking on the front door, I was greeted by a boy and girl, clearly wondering what I was doing there. Their dad, Chris, opened the door to their two-story home, immediately shook my hand and introduced himself and his wife, Dawn. A first glimpse into their home showed a pretty, finely decorated, yet relaxed and comfortable home. “We have warm colors in the home and individual touches that make our house a home. There are paintings within the home that have been painted by us; we like sharing those things with our guests,” says Dawn. Newly constructed in 2005, the family was excited to build and wanted to make it their own. “We made some changes to the original floor plan of the house to maximize our space and add our own touches,” Dawn says. The family also put their own spin on the garage, which looks

much like a photo from a magazine. “The garage was a DIY project for Chris. He did epoxy floors, painted the walls and trim, hung suspended shelves for storage and made it look like another room in our house,” Dawn says. Another photo-worthy area of the home is the front porch, the Uglums’ favorite spot of the home. “We really like spending sum-mer evenings in our comfy chairs on the front porch. There is a lot of landscaping to enjoy, and we installed a ceiling fan last summer to keep free from mosquitos,” says Dawn. “We enjoy sitting on the porch and reading.” With a nice view of the neigh-borhood from the front porch, I imagine it’s a great place to look after their children and the many others who were playing outside that day. According to Dawn, there are 50 kids in their circle alone, definitely a recipe for lots of summer fun. “Everyone looks out for each other. The kids have a lot of neigh-borhood friends, and we are close to the elementary school,” says Dawn.

Uglum family adds personal touches to home

Relaxed and comfortableBy Elaine Lenz

We want to learn about readers like you in this

community! Please participate in this quick, online survery so we can keep bringing you news and information that is

relevant to you.

What do you think?

You can take the survey atwww.research.net/s/100281 or scan this QR code

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L ike a lot his peers at Iowa State University, where he earned a degree in physical

education with an endorsement in coaching in 2007, Dustin Larson entertained thoughts of coaching student-athletes one day. During his first few years of teaching, he coached ninth grade basketball and led youth soccer teams. But after completing his sixth year of teaching this spring — five of which as the physical education teacher at Rolling Green Elementary School in Urbandale — Larson most enjoys helping students of all abilities learn physi-cal education and how to become physically fit for life. “I’m more of a skills coach than I am an X’s and O’s guy,” says Larson. “I got into this career thinking I’d coach high school sports. I did some youth coaching, but I enjoy fundamentals like how to shoot a basketball more than I do putting together lineups.” Larson teaches kindergarten through fifth grade students at Rolling Green a variety of sports skills. He begins every class with stretching and cardio warmups so that students understand the importance of them whether they become athletes or simply want to stay fit and avoid injuries. “By the end of third grade, we hope to have most of their skills done so that in fourth and fifth

grade they can play more games,” says Larson. “We teach sports-manship and good behavior, and we make up some games as we go sometimes. We also teach them to try new things when it comes to fitness and sports.” Larson says he enjoys teaching physical education to young stu-dents because their enthusiasm is contagious. “At this age, they are always excited to see you,” he says. “I like to see them do something that they enjoy and I encourage parents to play with them and have fun, too.”

Dustin Larson is the physical education teacher at Rolling Green Elementary.

education Submit story ideas to [email protected]

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What do you like best about Mr. Larson’s P.E. class?

Rachel Brockney: “He’s nice and funny. He helps you reach your goals.”

Aiden Vedder: “He has a lot of fun activities. It helps me with basketball and football.”

Brooke Hampe: “I like how he changes up activities and how he tries to get us outside.”

Ruby Halsey:“I do sports so he helps me a lot with that. His games are fun.”

Keeping Rolling Green kids physically fit

By Michael Swanger

Meet Dustin Larson

www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 15

what’s in your garage?

Contact Darren at 953-4822 ext. 304 or [email protected] to recom-mend someone for an upcoming issue of “What’s In Your Garage?”

Andrea Silverstein has relegated husband David’s West Virginia University paraphernalia to the garage.

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David Silverstein fills garage with WVU swag

By Cady Colosimo

Mountaineer

A garage is a place for many things: cars, lawn mowers, sports equipment and all

the other cool stuff you want to keep but your wife won’t let it in house. Such is the case in David and Andrea Silverstein’s immacu-late garage. Having moved into in the house in April 2012 and being the parents of two boys, ages 11 and 13, the Silversteins knew they needed a lot of space and organi-zation. That’s when they enlisted the help of the Easy Living Store. The store outfitted the garage with plenty of wall storage and other arrangements so everything has a place and fits nicely. While the garage is home to all of the usual garage suspects, it also hosts all of David’s West Virginia University swag. “These are things Andrea won’t let in the house,” David explains. Having graduated from the uni-versity in 1989, David is a hardcore Mountaineer fan, and the walls are littered with posters and other WVU paraphernalia that reflect that. One is a Bud Light sign that reads “Welcome West Virginia Fans” from his hotel when he went to see the Mountaineers play in the

Final Four in Indianapolis in 2010. Gems like these can often wage bidding wars among fans on eBay. Living in Iowa puts David far-ther away from football and bas-ketball games than he would like, but the school’s recent move to the Big 12 conference from the Big East has gotten him a little closer. The Mountaineers joining the Big 12 means it’s now only a short drive to Ames to see his team play. David made sure to be in attendance when the WVU Mountaineers took on the Iowa State Cyclones — another Big 12 member — this season. “I was excited for it geographi-cally,” he says smiling. He’s not alone. Living thou-sands of miles from the actual WVU campus could make a fan feel isolated, but David said WVU alumni and fans pop up all the time. Their neighbor, for example, graduated from there. “It’s strange how many have gone there,” he comments. While David has landed in the heart of Cyclone and Hawkeye country, it hasn’t deterred his love of WVU, and he remains a part of the Mountaineer faithful.

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O ften when couples come in to see me, the hus-band says he has no clue

why he is in my office. In fact, he believes he and his wife are doing fine. He bases this belief on the fact that they have good jobs, a good income, a nice home, good kids and super friends. In his mind, they have no real marriage problems. So I turn to the wife to get some insight as to why she called for the appointment to “work on their marriage.” To my surprise, she agrees that the marriage is fine because all the reasons her husband gave and because down deep she’s afraid she will cause him to be angry or hurt. It is at this point in the session I see the husband give me that “I told you so” smug look. Now as I press the wife for the real reasons she wanted them to come in to see me, he is only half listening to her lonely plea for deeper conversation. She is tired of the superficial chatter about schedules and what the children are doing. She is longing for him to open up and share and connect on a personal level. She wants to know who he is and what he’s thinking and feeling inside. In essence what she is longing for is intimate, deep conversation. She will go on to express how she longs for them to learn how to successfully work through conflicts. His tendency to get quiet and walk away when they face any conflict leaves her deeply hurt and the issue unresolved, which leads her to bottle up her hurt and resentment. Now we are starting to get somewhere because she is finally starting to communicate that all of the missed opportunities for emotional connection and intimacy are leaving her feeling alone. And

when he refuses to allow her to express herself in conflicts and for them both to not find solutions to their difficult issues, it causes her resentment to get stuffed and is destroying her love and respect for him. I now look to the husband to see if he is getting the real picture of how hurt and lonely his wife really is, only to get that “she’ll get over it” look.

To which I want to shout (in a quiet professional counselor way) “Every time you clam up and choose not to share personally and deeply with your wife, you are hurting her. Every time you avoid talking and working through a conflict, you are causing her resentment to go deep into her heart. Every time you fail to ten-derly romance her, you are saying to her she isn’t worth making feel special.” I want him to see that all of these hurts become resentments, and that over time they will cause her to give up on him and continue to withdraw and become pathetic and indifferent to their relation-ship. Husbands, is your wife lonely? Wives, do you need to learn to express directly all your resent-ment? Do you both need to see what is going on in your marriage and take immediate steps to stop your smiling on the outside and dying on the inside? Before it is too late, make the commitment and get the help you need to love each other God’s way. If I can help you in any way, please contact me.

16 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

faith Submit story ideas to [email protected]

Timberline ChurchPastor Don MorrisTimberline Christian Counseling Services:515-276-6090

Marriage can be very lonely

By Pastor Don Morris, Timberline Church

Married single

FIRST BAPTIST CHURCHof Greater Des Moines

8250 NW 62nd Ave., Johnstonwww.fbcdsm.org

An American Baptist Church

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Rev. Dr. TimothyDeatrick

Sunday worship: 9:30 a.m.Sunday School: 10:45 a.m.

YOU ARE WELCOME!

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H ere are six legal and finan-cial essentials that every person should have:

A last will and testament directs the distribution of your assets upon death. Without a will, your property will be distributed according to state laws. This may not be the division you want and it could be costly for your heirs to adjudicate. Your will leaves assets to your chosen beneficiaries, names a guardian for your minor children and appoints a person to carry out your wishes. Surveys show that more than half of American adults do not have a will; more than 40 percent of people age 45 or older do not have a will, according to a recent AARP survey. If you already have a will, remember to review it every few years or after a life-changing event such as a marriage or birth. When drafting a will, you should also draft a durable power of attorney. This document gives a spouse, family member or trusted friend the ability to help you with your finances should you become incapacitated. If you are too ill to speak for yourself, you can express your wishes through a living will. This advance directive lets you detail your preferences for your care. Without a medical directive, dif-ficult decisions will typically be made by a spouse, children, par-ents or a doctor — and conflicts can easily arise. A living will should be accompanied by a health care power of attorney, which nomi-nates a specific person to make any and all medical decisions for you. The two work together; your

appointed agent must follow the instructions you leave in your liv-ing will. Although some employee benefit plans provide life insur-ance, it may not be enough. One rule of thumb is to have insurance equal to at least five times your annual income. Of course, the actual amount will depend on the future financial needs of your dependents and the amount of savings you have. Social Security Administration studies show that a 20-year-old worker has a 30 percent chance of becoming disabled before reaching retirement age. Can your savings cover you for a long period with-out income? If the answer is “no,” disability insurance is crucial. It protects a certain amount of your income if an accident or serious illness keeps you from working for months or years at a time. Contact an experienced attor-ney to start the process of updat-ing your estate plan.

legal briefs By Ross Barnett

Information provided by Ross Barnett, attorney for Abendroth and Russell Law Firm, 2560 73rd St., Urbandale, 278-0623, www.ARPCLaw.com.

www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 17

Protect yourself legally and financially

Essential documents you should have

By Ross Barnett, attorney, Abendroth and Russell Law Firm

URBANDALE’SLAW FIRM

SINCE 1987

Wills and Trusts

Estate Planning

Probate

Powers of Attorney

Real Estate Transactions

Small Business Representation

Top Row:Joe Wallace, Thomas Sherzan

Bottom Row: Mark Abendroth, Dave Russell, Ross Barnett, Chris Low

Abendroth and Russell Law Firm

2560 - 73rd Street Urbandale

515.278.0623www.ARPCLaw.com

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18 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

S ummer is the season for home improvements. Make sure your project goes

smoothly with these tips for find-ing a trustworthy contractor — and spotting one who isn’t.

Smart steps for selecting a contractor Contact your local home builders association or remodelers council for a directory of members. This list, plus references from friends and family, can help you get started.

Ask the Better Business Bureau about complaints filed against the contractors you’re considering. Other helpful con-tacts include past customers and other building or remodeling pro-fessionals, such as your architect or a materials supplier. Check for membership in industry associations. “When you see someone who has taken the time to do this, it shows that they care about their business and care about represent-ing themselves and their industry well,” says Paul Sullivan, vice chair-man of the National Association of Home Builders Remodelers. Make sure the contractors are currently licensed and registered. These requirements vary by state, so ask your local or state agencies for specific details. Request proof of insurance. “Contractors should have lia-bility and workers’ compensation insurance,” Sullivan says. This can help protect you against injuries or property damage that might occur. Get at least three different estimates. Ask the contractors to explain any differences, and avoid immediately choosing the contrac-

tor with the lowest cost. Once you’ve selected a con-tractor, insist on a written con-tract. Some things the contract must include: the contractor’s contact information, a project timeline, a payment schedule and permit requirements. “Your contract also should have a clause allowing you to can-cel the contract and seek a return of unused funds if the contrac-tor can’t complete the project,” Sullivan says.

Signs of a contracting scam Pushy door-to-door sales tactics or unsolicited phone calls or visits. Promising discounts for using leftover materials or for referring other customers. “If it sounds too good to be true, it probably is,” Sullivan says. Insisting on a large deposit or cash payments in full. Asking you to secure building permits. Unwillingness to provide local contact information. The Federal Trade Commission offers additional tips for hiring a contractor on its site.

insurance By Ben Buenzow

Information provided by Ben Buenzow, State Farm Insurance, 3273 100th St., Urbandale, 270-8870.

Beware of things sound too good to be true

Select a reputable home contractorBy Ben Buenzow, State Farm® agent

1001306

As life changes, so do your needs. Let State Farm Bank® help with a mortgage that fits your life and your budget. Let us help you make the right move. Bank with a Good Neighbor®.CALL ME TODAY FOR MORE INFORMATION.

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Some products and services not available in all areas.

Ben Buenzow, AgentState Farm Agent3273 100th Street

Urbandale, IA 50322Bus: 515-270-8870

NMLS MLO #780414, NMLS #139716MLO License #20180

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www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 19

ON THE WAUKEE SIDE OF WEST DES MOINES

Our customers say CPO is the “smartest most intelligent decision”

they have made.

Every Certifi ed Pre-Owned Ford And Mercury Come With:

**Subscriptions to all SiriusXM services are sold by SiriusXM after 3-month trial expires. Subscriptions are governed by SiriusXM Customer Agreement: see www.siriusxm.com.

All sales rankings based on 2012 sales as reported by the Kansas City Regionof Ford Motor Company and Lincoln Motor Company

West DSM

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Every Certifi ed Pre-Owned Lincoln comes with:

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VIN: 1FTFX1ET1BFA94629

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recipe Submit ideas to [email protected]

20 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

health Q&A

Information provided by Heather Yost, DC, DACCP, Yost Family Chiropractic, 3993 100th St., Urbandale, www.YostFamilyChiropractic.com.

Q: Should I do spinal checks on my child? And why?A: Have you ever heard the saying “As a twig bends, so grows the tree?” The same goes for your child. That’s why it’s so important they get checked as early as possible. So what causes an imbalance to the child’s spine? It can be from a vari-ety of things such as the birth process, trips and falls, accidents, sports or even genetics. Chiropractic care is just one way of not only finding out if a misalignment is there, but addressing the problem early on so it doesn’t become a bigger problem as the child ages. In our office, we oftentimes find imbalances to the spine that can be attributed to much earlier in life. A misaligned spine creates interference to the nervous system. The nervous system is what controls the function of the whole body as well as perceives what’s happening to and around the body. Think of it this way — what would we do if the hard drive of the computer didn’t “talk” to all the pieces of the computer? Your brain is like that hard drive and it communicates to the whole body. If the spine is imbalanced it may interfere with that communication and eventu-ally cause symptoms. Although, the first symptom is always nothing. Give your child the best start to a healthy future and get him or her checked early. We recommend soon after birth, but if you haven’t done that yet, go ahead and find a Family Wellness Chiropractor and make that appointment.

I bought a wheat grinder a few years ago and love to make freshly-ground whole wheat

bread. I buy my wheat berries in 50-pound bags. I grind whatever amount I need for a particular recipe, but you can use any whole wheat flour from the grocery store. My husband is a bee keeper, so I use his yummy raw honey in my bread. I use my Kitchen Aid mixer with the dough hook, but the recipe would work equally as well knead-ing with your hands. Just keep adding enough flour as you knead to make a dough that is soft and elastic, but not sticky. This is my favorite whole wheat bread recipe. Just cutting off a slice to eat plain is yummy, but you might want to try it toasted with just a bit of jam or honey — mmm. I love making this bread to give to friends, and it is a popular item at our church bake sales and auctions. I hope you enjoy this healthy recipe.

Whole wheat bread

Directions:2-1/2 cups warm water2 cups whole wheat flour1-1/2 Tbsp. yeast1. Combine these three ingredients in a bowl until blended and yeast is dissolved. Let stand for 15 minutes.2. Add the following ingredients, mix together and knead for 7-10 minutes:1/3 cup honey1/3 cup oil (I use olive or canola)2-1/2 tsp. salt

1/2 cup ground flax seed (opt.)4 - 5 cups whole wheat flour (adjust as needed)3. Cover and allow to rise until double. Divide into two or three loaves, depending on the size of your loaf pans. Mine are slightly smaller and I am able to make three loaves. Regular size pans will make two loaves.4. Bake at 350 degrees for 20-25 minutes, or until nicely browned.

Try these tasty loaves with jam or honey

Whole wheat breadBy Jan Allen

Jan Allen lives in Bloomfield and teaches first grade in Albia. She enjoys cook-ing and bakes and decorates birthday cakes for her six grandchildren.

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WEST DES MOINES URBANDALE AMES

GET READY FOR

Bontrager Casual Baggy Short $49.99

Pearl Izumi Attack Short$79.99

Polar Bottles $11.99 Genuine Innovations

Microflate Nano16.99

Bontrager Folding Hex Multi-Tool$9.99

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22 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

senior living By Courtney Tiernan

Information provided by Courtney Tiernan, community liaison director, Urbandale Health Care Center, 4614 84th St., Urbandale, (515) 270-6838.

T his is a common question I get when meeting with families who are consider-

ing their long-term care options. Many families expect that Medicare will automatically cover a short- or long-term stay in a senior community. Oftentimes I find Medicare and Medicaid end up interchangeable among individu-als discussing options with family members, when in fact, they are quite different. The easiest way to think of it is that MediCARE is your health insurance, where as MediCAID is your income or payer source. Most of us have had health insurance throughout our life. Our Medicare is no different. This is the insurance individuals are entitled to through Social Security once they reach the age of 65. It ensures that our hospital stays, prescrip-tions, office visits to the doctor and so many more medical needs are either partially or fully covered so that we don’t end up paying for a hefty bill out of pocket and all on our own. Medicare will only cover a short-term stay at a skilled nursing facility if you have had three admit-ted nights in a hospital. However, hospitals do have the option to leave an individual in what is called observation status, which is not considered a full admission to the hospital. Sometimes this observa-tion status can last several days. So

it’s important to be aware of what your status is should you end up in the hospital. If you are admitted, your Medicare benefits will cover a stay in a skilled nursing facility for you up to 20 days, and those with a supplemental insurance (like Blue Cross or United Health Care) may have an additional 80 days of 100 percent percent coverage for rehabilitation. Medicaid, on the other hand, is your income, so to speak. We all work hard our entire lives saving to be able to afford whatever care we may need as seniors. However, medical needs are expensive, and many times we eventually run out of the funds to afford the appro-priate care that a senior individual needs. This is where Medicaid comes into play. When your fund-ing begins to disappear you can fill out an application to be approved for Medicaid. You may also hear it referred to as Title 19. Once approved, Medicaid will help cover the costs of your care need. In order to qualify for Medicaid/Title 19 approval, you need to have at or less than $2,000 in all assets. This includes a car, house, pension, etc. Even with a quick explanation of the two, the processes that sur-round both Medicare and Medicaid can be confusing, so it’s important to be open and honest with your health care professionals and be sure to explore all options.

Explore all options when seeking care

Medicaid vs. MedicareBy Courtney Tiernan, community liaison director

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www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 23

out & about Submit your photos and captions to [email protected]

Jack Morlan and Zac Morlan at the Morning Mixer at Hungry Boyz June 13.

Mark Wierson and Chris Beach at the Morning Mixer at Hungry Boyz June 13.

Jenice Whisenand and Janet Regier at the Morning Mixer at Hungry Boyz June 13.

Jane Ryan and Allan Graham at the Morning Mixer at Hungry Boyz June 13.

Dave Kopp and Randy Pelham at the Morning Mixer at Hungry Boyz June 13.

Cindy Zinzer and Patty Devens at the Morning Mixer at Hungry Boyz June 13.

Hal Chase and Al Laundencia catered the AM Exchange June 25.

Dina Nguyen and Suzanne Hull at the AM Exchange at State Farm June 25.

Bo Bobolinski and Brian Coppess at the AM Exchange at State Farm June 25.

Rachel Almlie and Ashley Brown at the AM Exchange at State Farm June 25. A ribbon cutting ceremony and grand opening was held for Van Meter Inc. on June 13.

See more photos online at www.iowalivingmagazines.com

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I f you are a member of the Urbandale Chamber, we encour-age you to make it a goal to

make the most of your member-ship this year. Have you been to an Urbandale Chamber of Commerce member-ship luncheon lately? How about an AM Exchange or a Morning Mingle? This year, we’ve experi-enced amazing attendance growth at our luncheons and two morn-ing events. Don’t miss out; if you haven’t come to an event this year or you are not a member, I strongly encourage you to see what they are all about. We even have Connectors available to meet you at the door to introduce you to other members. No one likes to walk into a room where they don’t know anyone, so we try to make it easy to connect and do business with other members. Urbandale Chamber member-ship of course goes beyond events. Recently Urbandale Chamber members received a gift book filled with valuable coupons from fellow Chamber members. This is a great way to do business with another member and save some money while doing it. If you are not a member but would like a copy, please stop in to see our staff at the Chamber office located at 2900 Justin Drive, Suite L.

Trip of a lifetime to China Oct. 13 - 21The Urbandale Chamber of Commerce is hosting a memo-rable, nine-day journey to China that is open to the public. This is a cost-effective opportunity for the community to experience the culture and attractions of China at an unbelievable cost of $2,399 per person, which includes flight from LAX to Beijing, four- to five-star hotel stays, three meals per day, all attraction admission, motorcoach transportation, flight from Beijing to Shanghai, English-speaking guide and insurance while traveling in China. A few seats remain avail-able, however reservations must be made ASAP. Full payment is due by July 26. Contact the Urbandale Chamber for additional informa-tion at 515-331-6855.

chamber news Chamber of Commerce, 331-6855

Enjoy the many benefits and events

Make the most of membershipBy Becky DeVries, Urbandale Chamber president

24 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

July11: Morning Mingle Mixer, presented by Marva McCarty, Realtor, 7:30 - 8:30 a.m. at Service Legends (6365 N.E. 14th St., Des Moines).

17: Membership Luncheon, pre-sented by Stanley Steemer, 11:30 a.m. - 1 p.m. at Sheraton West Des Moines featuring Andrew Clark, createWOWmarketing on emerging technology.

18: genYP CEO Panel, presented by AO Wealth Advisory, 8:30 - 10:30 a.m. at Urbandale Chamber office.

25: MOXIE, presented by Baitinger Consulting 8 - 10 a.m., open only to member business owners.

30: AM Exchange, presented by Susan Bonnicksen/Superior Printing and Promotions, 7:30 - 8:30 a.m. at Strauss Security Solutions.

chamber calendar

APP TO IT!

Get MyChamberApp

– a free app that can be downloaded

to any iPhone or droid

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Find local businessinformation, hot deals,

maps and more with just one click!

515-331-6855 www.uniquelyurbandale.com

FALL REGISTRATION BEGINSTHURSDAY JULY 11TH

See our website for details.

DANCE CLASSES OFFERED FOR AGES 3 AND UP

INTENSIVE TRAINING IN BALLET & POINTE

DANCE CLASSES OFFERED: BOY’S CLASSES, HIP HOP, LYRICAL, CONTEMPORARY,

JAZZ, FUNK TAP, & TAP

KARATE CLASSES OFFERED FOR AGES 5-12 YRS

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www.iowalivingmagazines.com/urbandale JULY | 2013 Urbandale Living 25

out & about Submit your photos and captions to [email protected]

Andrea Houk and Samona Yentes at the AM Exchange at State Farm June 25.

Josh Reed and Joshua Ervasti at the AM Exchange at State Farm June 25.

Michele Reeves and Sarah Egel at the AM Exchange at State Farm June 25.

Tiffany Menke and Joan Ellis at the AM Exchange at State Farm June 25.

Leslie Garman and Sara Krouch at the AM Exchange at State Farm June 25.

Lisa Hanrahan and Brian Hilgenberg at the AM Exchange at State Farm June 25.

Melissa Poley and Terrie Wilson at the AM Exchange at State Farm June 25.

Daniel Halstead and Mason Rhodes at the Iowa Cubs tailgating social hosted by the Greater Des

Moines Partnership on June 18.

Daniel Halstead and Dan Halstead at the Iowa Cubs tailgating social hosted by the Greater Des

Moines Partnership on June 18.

Dotty Johnson competes in the Copper Creek Triathlon on June 23.

See more photos online at www.iowalivingmagazines.com

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ADOPTION - A loving alternative to unplanned pregnancy. You choose the fam-ily for your child. Receive pictures/info of waiting/approved couples. Living expense assistance. 1-866-236-7638

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MACHINERY CONSIGNMENT SALE, Mon.,Aug. 5, 2013 at 9:00 A.M. Consign early by July 22, 2013 for complete advertising. Gilbert’s Sale Yard, LLC, 641-398-2218. 2 Mi. N. of Floyd, IA On Hwy. 218. Tractor House Internet Bidding Available. www.gilbertsaleyard.com

HORSE SALE: Belle Plaine Western Exchange, Belle Plaine, IA. Next Scheduled Sale:Saturday, July 13, 2013. Tack 10:00 a.m., Horses immediately following. Sale 2nd Saturday of every month. Upcoming Sale: August 10, 2013. Check out our website for details and sale results: www.westernex-change.com; Info/To Consign: 319-444-2320; email: [email protected]

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OTR TRUCK DRIVER NEEDED. To be the BEST, we need the BEST! If that’s you, call 701-775-5346 or go to www.protransport.net. If that’s not you, please call the next ad!

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REACH 2 MILLION HOUSEHOLDS! Do you have a product, service, or business that would be helped by reaching over 2 million households throughout Iowa and the surrounding states? The Midwest Classified Network will allow you to reach these potential customers quickly and inexpen-sively. For more information concerning a creative classified ad call this publication or Midwest Free Community Papers at 800-248-4061 or get information online at www.mcn-ads.com

26 Urbandale Living JULY | 2013 www.iowalivingmagazines.com/urbandale

INK and TONER just around the corner

new & replacement of driveways, walks, patios, etc. residential & light commercial30 YEARS EXPERIENCE

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www.iowalivingmagazines.com/urbandale Urbandale Living JULY | 2013

515-964-43406212 Merle Hay Road Johnston

www.johnstondance.com

WE PRODUCE DANCERS ATJOHNSTON DANCE ACADEMY

ALL CLASS LEVELS

Jeanne Chelsen, Owner & Director

Outstanding Dance InstructionAppropriate music and costumesVariety of class options and times

ONLINE REGISTRATIONstarts Monday, July 1

FALL DANCE CLASSESstart on Monday, August 26

JDA OPEN HOUSE

DANCE AND DINE Drop off your 3–6 year olds

with a lunch to dance, do crafts and have a ball while you run your errands!

Check our website for this activity this Fall!

Enroll Today!NEW FOR

FALL!

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JULY | 2013 Urbandale Living www.iowalivingmagazines.com/urbandale

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