better living september

A special supplement to The Daily Nonpareil

Ways to make the inheritance process easier

See Page 2

Estate planning is necessary, practical

See Page 3

September 2010

BetterBetterThis edition featuring . . . Estate Planning

Elder abuse facts and figures one should know

See Page 6

LivingLiving

CHAD NATIONNews Editor

[email protected](712) 325-5738

Without being too mor-bid, 2010 would be a goodyear to die, especially ifyou are extremelywealthy.

The federal estate taxdisappeared this yearunder the EconomicGrowth and Tax ReliefReconciliation Act of2001.

“No one, includingestate attorneys andfinancial planners, everthought we would get to2010 where there was noestate tax,” said CindiKeithley, certified finan-cial planner professionaland the owner of iRetireFinancial.

“Mr. (George) Stein-brenner (former owner ofthe New York Yankeeswho died earlier this year)was given a heck of a gift,”she added.

As a result of the 2001act, many in the estate-planning field referred to2010 as the year of “throwmama from the train.”

But Keithley said muchto the field’s surprise, con-gress has done nothing tochange the law.

“There have beenchanges talked about incongress and that itwould be retroactive toJanuary, but we are nowpast the middle ofAugust,” she said.“Until itpasses we are livingunder the rules in placenow.”

While there is no fed-eral estate tax, the tradeoff is that there is a limiton capital gains tax for-

giveness on appreciatedproperty inherited.

“If your family owned abig farm that they boughtin the 1930s and keptacquiring land throughthe 50s and 60s,under theold inheritance estate taxsystem set up, there wasno capital gains,” Keithleysaid. “Now there is a limiton how much you don’thave to pay capital gainson.

“That could hit morepeople in Iowa than anestate tax.”

While the federal estatetax is on hold for the year,there is still a state inher-itance tax in Iowa.

“The way it works forIowa is if you are leavingmoney to your children orgrandchildren there is noinheritance tax and thatchanged in mid 90s,”Keithley said. “In generalterms farther away rela-tionship smaller amountreceive before beingtaxed.”

The inheritance tax lawprovides that a certainamount of property fromthe estate can pass to arecipient without beingsubject to tax, accordingto the Iowa Departmentof Revenue. This is calledan exemption. Theamount of the exemptionis based upon the rela-tionship of the recipient orbeneficiary to the dece-dent.

■ There is no inheri-tance tax on propertypassing to the survivingspouse from the decedent.

■ For deaths on or afterJuly 1, 1997, propertypassing to the survivingspouse is exempt. Prop-

erty passing to parents,grandparents, great-grandparents, and otherlineal ascendants isexempt from inheritancetax. Property passing tochildren (biological andlegally-adopted children),stepchildren, grandchil-dren, great-grandchil-dren, and other linealdescendants is exemptfrom inheritance tax. Allother beneficiaries aretaxed on the entire sharepassing to them from theestate.

■ Any other beneficiarydoes not receive anexemption and is taxed onthe entire share passingfrom the estate to thatperson. The rate of taxpaid on a recipient’s sharevaries based upon therelationship of the recipi-ent to the decedent.

■ The decedent mayhave left property to vari-ous organizations whichare charitable or non

charitable. Special taxrates apply to these orga-nizations.

■ If all the property ofthe estate has a value ofless than $25,000, no taxis due.

■ Insurance proceedspaid to a named benefi-

ciary are not taxable.■ Currently, annual

gifts in the amount of$12,000 or less are nottaxable.

■ Annuities purchasedunder an employee pen-sion plan or retirementplan are not taxable.

2 Friday, August 27, 2010 The Daily NonpareilBetter Living

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SeniorDiscount

File photo

Cindi Keithley, financial advisor at iRetire Financial, discusses financial planning optionswith Karen Keithley, director of marketing and development, in April at their new location at928 Valley View Drive #18.

Ways to make the inheritance process easier

MIKE BROWNLEEStaff Writer

[email protected](712) 325-5732

Death.People often fear it

and don’t want to thinkabout it, let alone planfor it.

But according to JackReusch, a Council Bluffsattorney who works onestate planning, if a per-son doesn’t have a planin place for where theirpossessions and assetswill go, state statues willdecide instead.

“What the state plansmight not always bewhat the person wouldwant for themselves,”said Reusch, of Telpner,Peterson, Smith andReusch law firm. “Estateplanning is simply plan-ning in advance.”

Both Reusch andCraig Dreismeier, whodoes some estate plan-ning work for his firmHannan & Dreismeier,P.L.C., said that adultsshould look at estateplanning as soon as pos-sible.

“I don’t know if it’sever too early,” Dreis-meier said.

“I think for a marriedcouple it’s always a goodidea to have a will inplace, especially if thereare children.”

Dreismeier said anumber of issues are dis-cussed at an estate-plan-ning meeting, includingidentifying assets figur-ing out bills and goingover family dynamics.

“Then see what it isthey want to do when allis said and done,” he

said.For people with a sig-

nificant amount ofassets a trust is advis-able, Dreismeier said.

“For vast majority offolks a trust isn’t neces-sary,” he said. “But youneed a will to determinewhere things will go.With a will you’re in con-trol.”

In addition to whereassets and possessionswill be divided, decidingwhat will happen in theevent of health problemsis another issue thatshould be addressed.

Having a plan in placefor who will have powerof attorney is important,Dreismeier said.

“In the event some-thing should happen toyou and you can’t makedecisions, a documentchoosing power of attor-ney will assist (health-care) caregivers in whowill take care of you,” hesaid.

In addition, a financialpower of attorney willserve the same role onthe money side.

“Again, it’s a situationwhere if you’re marriedthere’s assumptions thateach spouse would haveaccess. Sometimes that’snot the case,” Dreismeiersaid.

“People might haveseparate bank accountsthat need to be accessed.Financial power of attor-ney gives a person thechoice to step in on yourbehalf with those situa-tions.”

Dreismeier said heand his partner C.R.Hannan, who does thebulk of the estate plan-ning at the firm, consulta number of people onwills and trusts and thelike, but not enough.

“(Estate planning)probably isn’t as popularas it needs to be. Morepeople should be lookinginto it,” he said.

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A will or testament is a legal declaration by which a person,the testator, names one or more persons to manage theirestate and provides for the transfer of their property atdeath.

Estate planning is necessary, practical

Glenwood Senior Center

We had a Salad Lun-cheon on August 8 as afundraiser. We had awide variety of saladsto choose from. It wassuccess for us andenjoyed by all.

Daily Events: Mon-days – coids, pitch inthe afternoon, Tues-dayscoids, pitch andcribbage in the after-noon, WednesdayBridgein the afternoon, Thurs-daycoids, pitch, anddominoes in the after-noon, Fridaycoids, pitchand once a month abridge club in the after-noon.

We are open Mondaythru Friday 8:00 a.m. to4:00 p.m. and on Satur-day from 8:00 a.m. to11:00 a.m.

We serve lunch at11:45 on Monday thruFriday. If one wants toeat with us, please call527-4213 by 11:20 theday before.

The Center’s nextevent will be on Glen-wood’s Homecoming.This year it is October1, 2010. We serve lunchfrom 11:00 to 1:00 andare open to all!

Harlan Senior Center

Hi from the HarlanCenter. Belated birth-day and anniversarywishes to the followingBirthdays Robert D.Buck, Shelby 87; JoanSchneider, Westphalia80; Neoma Anderson,ElkHorn 87; MelvinCoenen, ElkHorn 88;Helen Musich, Harlan

89; Richard Card, Har-lan 84; Carolyn Spear-ing, Harlan 89; MillieLesch, Shelby 80;Frank Murtaugh, Har-lan 81 and RenoStoffer-son, Harlan 103 andanniversary wishes toVince and Mary AnnBlum, Earling 62 years.

The usual monthlyactivates are Craftsheld Mondays and Fri-days at 9:00 am.Wednesdays finds WiiGame Morning at 9:00am and Bingo playedstarting at 1:15 pm.Exercise time on Fri-days at 10:30 am.

The Center will beclosed on Monday Sep-tember 6 in observanceof Labor Day. Exercisetime Tuesday, Septem-ber 7 at 9:00 am.Thursday, September 9at 9:30 am is the SeniorCouncil meeting andat 6:00 pm is the Birth-day and Anniversaryparty, there will beblood pressure checksfollowed by musicalentertainment.

Tuesday, September14 Movie morning withThe Video Place andHy-Vee at 9:00 am andat 2:30 pm will be theAlzheimer’s SupportGroup meeting. Blood

pressure checks onthursday, September 16from 11:15 to 12:00noon. Exercise TimeTuesday, September 219:00 am and The LifeAfter Loss SupportGroup meal meeting isat 5:00 pm.

There will be anevening meal on Thurs-day, September 23beginning at 6:00 pmwith blood pressurechecks and entertain-ment to be announced.

There are ongoingcomputer classes heldat the Center throughWest Central Commu-nity Action, the classesare FREE you just needto call Ivy or Aaron at755-5135 to set up atime.

You work at yourown level or comfortwouldn’t it be great tobe able to email familyand friends and you arenot too old to learn!

The Center is plan-ning a day trip Decem-ber 3, journeying to DesMoines for the Hollyand Ivy tour of TerraceHill, the SalisburyHouse, tour the Botani-cal Gardens, eveningmeal and enjoy the hol-iday lights at Water-Works Park. All admis-

sions and the eveningmeal are provided for amere $55.00.

To sign up call theCenter 755-2757. Therewill be a MedicareParts A, B and D onTuesday, October 5from 5:15 to 6:30 pm,this is co-sponsored byIowa Western Commu-nity College,SHIIP(Senior HealthInsurance InformationProgram) and TheSenior Center.

The place is theTherkildsen ActivityCenter 706 Victoria St..This seminar is FREE,but we do require youto register by callingeither IWCC 755-3568or the Center 755-2757.

Please join us for ameal or one of ouractivities, as this isyour Center. until nextmonth.

Missouri ValleySenior Center

I’ll bet the houses arejust too quiet today! Iremember when thefive girls started school,how quiet it was athome. We always think,about the middle ofAugust we are ready tohave them go but thenwe miss them, too.

The meal site wasbusy all summer.

We like it that wayhowever and we are


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happy to see the peoplethat eat with us everynoon. Always haveroom for more, so callin and reserve the daybefore by 11:00 andthen come to join us.

The parties were funand the entertainmentwas great. We appreci-ate our local peoplethat donate their timeto visit with us.

We already have RonHalverson coming forthe Christmas party.The Luau Party inAugust was a success(thanks to those thatmake these special par-ties happen!) A Hal-loween party is beingplanned and thesealways prove to begreat fun.

Of course, the Christ-mas party for the chil-dren takes a lot of plan-ning and getting readyfor so Chris is on top ofthis.

I am hoping to take a“day ride” again thisfall just to notice thebeautiful colors thatappear.

We can always notethe harvest in the fallas the farmers finishup their work. Growingup on the farm wassuch a privilege for me.Sometimes I forget andstart talking about “thefarm” like my girlsshould know all aboutit forgetting that theygrew up in MissouriValley.

They kind of give mea “blank stare” – mean-ing “Mother, we were

not farm girls, we onlyknew the city.” I knowthat but sometimes mymemories need to betold again, and again,and again!

Oakland Senior Center

It’s hard to believethat the beginning offall (and hopefullycooler weather) is justaround the corner as Itype this article andthe weather is seethingof tropical-like heat.

Our next outing forthe Oakland SeniorCenter will be on Fri-day, September 3rd aswe carpool to Big GroveCountry Inn. OwnerPenny Wright will beour tour guide andlunch host. We will seeher Bed and BreakfastInn along with the holdcountry schoolhouseand country churchthat is part of the prop-erty.

After the sightseeingwe will be served adelicious chicken lunch,complete with gourmetdessert. If you wish toattend this trip, pleasecall the Center at 482-3353 by 11:00 a.m. onWednesday, September1st. Since Penny hasthe property up for saleand will be leaving atthe end of September,this might be your lastchance to visit BigGrove Country innunder Penny’s owner-ship.

Circle your calendarsfor another fabulousMerrymaker’s perfor-mance. The vivacious

and energetic KimEames is our musicaltalent for Thursday,September 9. Kim is alively personality whoperforms a variety ofmusical selections.Reservations for theevening meal need tobe called into the Cen-ter by 11:00 a.m. onWednesday, September8. Our menu for the5:00 meal is friedchicken. Kim will per-form at 6:00 p.m.

Newcomers to theCenter enjoying themusic of the Merry-makers include IleneGrobe, Doc andLaVinna Blanchard,Shirley Phillips, LilaFenn and Verla Fulton.

Many thanks to thefollowing for phoning,setup, cleanup, andserving for the eveningmeal: Frances Rollins,Lee Knudson, Dan Bar-nett, Bob Calhoon,Betty Cleveland,Audrey Hartje, LoisKueger, Ilene Grobe,Marie Browning, AnneD’Angelo, Neuonia Tim-berman, Irene Skankand Lucille Palmer.

On Wednesday, Sep-tember 29 Ruby Bentlywill give us a tour ofthe newly openedMacedonia HistoricTrails Museum and theStemple Bird Museum.A tour of the GristmillTheatre is also on theVenue.

Reservations for thistrip must be made byTuesday, September at11:00 a.m.

Many thanks for thetruckload (literally) of

bread, donuts, and rollsdelivered by Lois andAldon Krueger, andproduce from the gar-dens of Dick and LouiseMerkle and NormaTaylor.

Attendance winnerfor the month are: BobCalhoon, Better Cleve-land, Neuonia Timber-man, Dan Barnett andLee Knudson.

Some special days ofSeptember include:65th Anniversary of V-JDay, Labor Day, BeLate for SomethingDay, Jerry Lewis MDATelethon, Kiss a BaldHead Week, Read a

Book Day, Swap IdeasDay, Grandparent’sDay, National LineDance Week, Make aHat Day, Anniversaryof the US Constitution,Talk Like a Pirate Day,Ballroom Dance Week,Active Aging Week,Anniversary of thePatent of the Ice CreamCone, Start of the FallSeason, National Cen-tenarians Day, GoodNeighbor Day and Aska Stupid Question Day.Of course everyday is aspecial day at yourlocal Senior Centers!

Signing off from theOakland Senior Center!


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How many of Amer-ica’s senior citizens areabused in one way oranother?

The U.S. Departmentof Justice says a mini-mum of 1 in 9 (11 per-cent) have experiencedsome form of abuse inthe past year.

Are most casesreported?

For every case of elderabuse, neglect, exploita-tion or self-neglectreported to authorities,it is estimated that atleast five more go unre-ported.

Who commits thiscrime? In almost 90 per-cent of elder abuse andneglect incidents with aknown perpetrator, theoffender is a familymember. Two-thirds ofthose are adult childrenor spouses.

How frequent isfinancial abuse of theelderly? This is regardedas the third-most-com-mon type of abuse thatcan be substantiatedafter neglect and emo-tional and psychologicalabuse. Figures aresurely under-reported,

but the annual financialloss by victims of elderfinancial abuse is esti-mated to be at least $2.6billion.

What is the trend?The number of elderlypersons in the UnitedStates is increasing andso is the number ofelder abuse reports. Fig-ures from Adult Protec-tive Services found suchreports were up by 16percent from 2000 to2004.

Death rates? Mis-treated elder adultshave a risk of death 300times greater than thosewho have not been mis-treated.

Who is at risk? Whileelder abuse affectsseniors across all socioe-conomic groups, culturesand races, it is true thatwomen and the veryelderly are most likelyto be victims. In 2003,about 2 out of every 3(65.7 percent) abuse vic-tims were women. In 20of the 50 states, morethan 2 in 5 victims (42.8percent) were 80 yearsold or older.

– SW8, Sources: The National Council onAging; the Witness organization


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Elder abuse is a general term used to describe certain types of harm to older adults.Many forms of elder abuse are recognized as types of domestic violence or family violence.

Telemarketing phone calls

Telemarketers seem tobe getting more aggres-sive and may not give upafter you’ve said “no.”Two eastern Iowanshave reported receivingcalls about purchasingdrug discount cards andidentity theft protectionservices, telling thecaller “no thanks” duringthe first call, yet receiv-ing multiple calls after-wards.

The additional callshave been more aggres-sive and even rude intheir tone.

The business sellingID theft protection evenseemed to make a threatthat they would “release”personal informationabout the person (thus,making them more vul-nerable to ID theft).

Senior MedicarePatrol did someresearch. Using the Bet-ter Business Bureauwebsite, we found thatthe ID theft protectionbusiness is not accred-ited with the BBB andhas complaints onrecord; SMP has encour-aged the person whoreceived this call to file acomplaint with the BBB.

You can contact Iowa’sBBB at (800) 222-1600or online atwww.bbb.org.

By phone they canresearch a business foryou or you can do yourown search on their web-site.

Knockin’ at your door

Sometimes a knock atthe door means your

special neighbor is backin town after vacationand you’re ready to sitdown for a long visit.Sometimes a knock atthe door means troubleis calling! Last year atthis time, SMP receivedmany complaints frompersons who reporteddoor to door salesmanfor home security com-panies were using decep-tive sales practices.

Several of these com-plaints are still beinginvestigated by the IowaAttorney General. Homesecurity salespeoplehave been back in townsince summer started.

In northeast Iowa, citi-zens have contactedtheir sheriff’s office toreport salespeople leadthem to believe theircompany had been intouch with the sheriffand the sheriff approvedthe home security sales.This was not the case.

There are manythings to consider beforeyou buy some product orservice from a strangerat your door.

But the very firstthing you can do is ask

to see the person’s photoidentification and theirgovernment-issued per-mit to solicit in yourtown. Often this is calleda “peddler’s permit.”

If the person doesn’thave these two things,shut the door! That’syour first line of defenseagainst a bad businessdeal.

Foreign sweepstakesand the

grandparent scamWhat do sweepstakes

and “grandparent scam”calls have in common?The scam artists will notstop with these scams.SMP has heard morereports from around thestate.

Letters are sent froma foreign lottery orsweepstakes advisingyou’ve won thousands ormillions of dollars andinstructing you to call tolearn how to claim themoney.

Recently an olderIowan got such a letter,had a phone conversa-tion and was told to wire$450 in order the claimthe money. The scam

artist was even able totell her how to get to thenearest Western Unionoffice. Thankfully shehad second thoughts anddidn’t send money.

In northwest Iowa awoman received a callfrom someone claimingto be her grandson who’dbeen in a car accidentand needed money. Thecaller even knew hergrandson’s name.

She had heard of thisscam and didn’t fall for

it. If you’ve been readingor listening to SMP mes-sages for a while, you’veheard this warningbefore.

But chances are youknow someone who has-n’t.

So please tell yourfriends and neighborsthat these scams arestill happening anddescribe the scam tothem so they can avoidbecoming a victim.

– Deb Yankey, Iowa SMP Coordinator


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Better Living(Senior Courier)is a publication of

The Daily Nonpareiland Southwest 8 SeniorServices, Inc., the AreaAgency on Aging forsouthwest Iowa.

The publication isdistributed by TheDaily Nonpareil toapproximately 17,000households in Pottawat-tamie, Mills and Harri-son counties.

An additional 8,000copies are distributedthrough a volunteerdistribution network topeople age 60 and olderin Cass, Fremont, Mills,

Montgomery, Page andShelby counties inIowa.

Address all corre-spondence to: BetterLiving/Courier Coordi-nator, Southwest 8Senior Services, 300 W.Broadway, Suite 240,Council Bluffs, IA51503; or call (712) 328-2540 or toll-free at (800)432-9209; or you cancontact us via the Webat www.southwest8.org

AdvertisingInformation

The Daily Nonpareilof Council Bluffs repre-sents the Better Living

section. Advertisingrates are available bycontacting retail adver-tising at (712) 328-1811.

The advertising dead-line for the next issue isthe 13th day of themonth prior to the run-ning of the ad.

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Dunlap Senior Center619 Iowa St.(712) 643-2244M-F 12 p.m.

Glenwood Sr. Center20 N. Vine St.(712) 527-4213M-F 11:30 a.m.

Hamburg SeniorCenter1008 Main St.(712) 382-1670Mon/Wed/Fri 12 p.m.

Harlan Senior Center706 Victoria (712) 755-2757M-F 12 p.m.

Irwin Senior Center 520 Ann St.(712) 782-3367M-F 11:30 a.m.

Logan Senior Center108 West Fourth St.(712) 644-2229M-F 12 p.m.

Malvern Sr. Center201 East Fourth St.(712) 624-8985 M-F 11:30 a.m.

Missouri ValleySenior Center100 S. Fourth St.(712) 642-3215M-F 11:30 a.m.

Lightning Bowl105 N. 12th St.CB, IA 51501712-323-846712:00pm M-FCall 1 day before forreservation and menu.

Red Oak Senior Center109 E. Washington(712) 623-3497M-F 12 p.m.

Shenandoah Sr. Center707 W. Summit St.(712) 246-5200 M-F 11:30 a.m.

Shenandoah SeniorActivity Center405 W. Sheridan Ave.(712) 246-2002 M/W/Thurs.10 a.m. to 12 p.m.;Tue./Fri./Sat. 1 to 4 p.m.

Sidney SeniorCenter2820 N. RidgeRoad(712) 374-3053M-F 12 p.m.

Stanton Senior Center 326 Broad Ave.(712) 829-2782Tue./Wed./Thurs.11:45 a.m.

Villisca Senior Center312 S. Third Ave.(712) 826-5182M-F 11:30 a.m.

Woodbine Senior Center411 Walker St.(712) 647-3011M-F 11:30 a.m.Center open 8:30 a.m. to12:30 p.m.

Neola Senior Center110 Fourth St.(712) 485-2179M-F 12 p.m.

Oakland Senior Center618 N. Hwy(712) 482-3353M-F 12 p.m.

Atlantic Senior Center411 Walnut St.(712) 243-3599M–F 9 a.m. to 4p.m.; Mealsserved Tues./Wed./Thurs.,11:30 a.m. * Call for menu


LEGAL SERVICES

DIRECTORY

The determination of the need for legal services and the choice of a lawyer are extremely important decisionsand should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is requiredby rule of the Supreme Court of Iowa. A description or indication of limitation of practice does not mean that

any agency or board has certified such lawyer as a specialist or expert in an indicated field of law practice, nordoes it mean that such lawyer is necessarily any more expert or competent than any other lawyer. All poten-tial clients are urged to make their own independent investigation and evaluation of any lawyer being consid-

ered. This notice is required by rule of the Supreme Court of Iowa.

Consult these

local attorneys

for all your

legal needs.TELPNER, PETERSON, SMITH,RUESCH, THOMAS & SIMPSON

Attorneys At Law25 Main Place, Suite 200 • Council Bluffs

All Attorneys Licensed in Iowa & Nebraska

325-9000 • www.telpnerlaw.com

Charles L. SmithJack E. Ruesch

Walter P. ThomasShannon Dell ‘Orfano Simpson

Nicole Engelhardt

Charles L. SmithJack E. RueschWalter P. Thomas

Shannon Dell ‘Orfano SimpsonNicole EngelhardtAimee L. Lowe

TELPNER, PETERSON, SMITH,RUESCH, THOMAS & SIMPSON, LLP

25 Main Place, Suite 500

328-1566Edmund A. McGinn Joseph F. McGinnWilliam F. McGinn Edward F. Noethe

Norman L. Springer, Jr.www.mcginnlawfirm.com

(712) 325-5700

Classified works for you

every- which- way!

AHEAD

UP

LEFT

RIGHT

OFF

Before you knowit, you’ll be

money

and call us

DOWN

write it

price ‘em

Dust ‘em

So you had agarage sale,

but some goodbuys are


FONTENELLE TOURSOmaha/Council Bluffs 366-9596 • Toll Free 877-366-9596

www.fontenelletours.com • Bring a Friend!

Halloweenn Ghostt TourSaturday, October 30th

Come along to Atchison – “The Most Haunted Town in Kansas”– Tour a house haunted by two ghosts

– Eat lunch in a haunted restaurant– Take a guided “Haunted Atchison Tour”

– Visit with 2 paranormal researchers with us on the trip– Learn how they conduct investigations & see the equipment they use

GENERAL ELECTRIC CAPITAL CORPORATION

5.083%*(YIELD TO MATURITY)

For More Information, Call Roger Carlon

Investment Representative

29 S. Main, Suite 2, Council Bluffs, IA 51503

(402) 449-0942

*Based on bond price of 103.192 as of 3/1/10, maturity1/8/20. Quality rating of AA+ from Standard & Poor’s.Current yield 5.083% with face coupon of 5.25%.Subject to availability and change in price. Market riskis a consideration if sold prior to maturity. Noncallable

Investment Centers of America, Inc. (ICA), member FINRA, SIPC, a Registered Investment Advisor, is not affiliated with SecurityNational Bank. Securities, advisory services,and insurance products are offered through ICA and affiliated insurance agencies andare *not insured by the FDIC or any other Federal Government agency *not a deposit or other obligation of, or guaranteedby any bank *subject to risks including the possible loss of principal amount invested.

CORPORATE BONDGENERAL ELECTRIC CAPITAL CORPORATION

4.27%(YIELD TO MATURITY)

*Based on price of 110.089 as of 8/10/2010, maturity 5/4/2020.Quality rating of AA+ from Standard & Poors. 4.27% yield tomaturity with face coupon of 5.55%. Subject to availability andchange in price. Market risk is a consideration if sold prior tomaturity. Noncallable

Roger L. Carlon, Investment Centers of AmericaLocated at Security National Bank29 S. Main Ste 2, Council Bluffs, IA 51503402-449-0942

2nd Dorothy Hamman 81yrs. Red Oak3rd Raymond Eitzen 83yrs. Villisca4th Vince Blum 86yrs. Earling4th Enola Peterson 84yrs. Stanton6th Beverly Barlow 84yrs. Clarinda6th Opal Scott 95yrs. Villisca6th Dwayne Shearer 80yrs. Red Oak9th Normal Bladt 85yrs. Shelby10th Loretta Jensen 82yrs. Neola10th Ray Lyman 87yrs. Dunlap11th Theresa Henscheid 81yrs. Westphalia11th Fredyne Rusk 83yrs. Villisca11th Mazxine Watts 90yrs. Mo. Valley12th Larrin Mathews 86yrs. Oakland12th Dorothy Thomas 89yrs. Villisca13th Betty Baldwin 88yrs. Neola13th Francis Cross 90yrs. Neola14th Joan Boggess 84yrs. Villisca15th Pat Jensen 81yrs. Shelby16th Janice Harris 87yrs. Oakland17th Janet Early 83yrs. Harlan17th Wilma Leaders 89yrs. Oakland

18th Mel Bissen 94yrs. Dunlap18th Darlene Kern 82yrs. Neola19th Nadine Johnson 84yrs. Villisca20th Louise Holt 86yrs. Sidney20th Kenneth Kernen 86yrs. Villisca21st Joyce Cook 80yrs. Neola21st Phyllis Evans 84yrs. Shelby21st Bonnie Garey 81yrs. Villisca22nd Marlie Means 94yrs. Villisca24th Twlya Schnack 96yrs. Harlan25th Isabel Bloomfield 84yrs. Clarinda25th Don Scanlan 82yrs. Nodaway26th Sarah Depew 85yrs. Clarinda26th Ruby Johnson 97yrs. Sidney26th Arlene Matheny 91yrs. Clarinda26th Dorothy Petersen 87yrs. Harlan27th Ruth Whitaker 88yrs. Clarinda28th Irene Christensen 95yrs. Harlan28th Ida Goff 87yrs. Clarinda29th Jennie Hunt 82yrs. Glenwood30th Ralph Crouch 80yrs. Glenwood

1st Jim & Donna Glenn 53yrs. Sidney2nd Don & Norma Scanlan 61yrs. Nodaway2nd Barney & Valarie Zimmerman 63yrs. Earling6th Dwight & Jerry Vennerburg 57yrs. Stanton

7th Luther & Jene Gammon 53yrs. Glenwood10th Marcus & Naomi Gross 63yrs. Harlan13th Pat & Bill Penn 58yrs. Sidney14th Bill & Daisy Dunn 61yrs. Villisca

❊ BBiirrtthhddaayyss ❊ BBiirrtthhddaayyss ❊ BBiirrtthhddaayyss ❊ BBiirrtthhddaayyss ❊ BBiirrtthhddaayyss ❊ BBiirrtthhddaayyss ❊

❊ AAnnnniivveerrssaarriieess ❊ AAnnnniivveerrssaarriieess ❊ ❊ AAnnnniivveerrssaarriieess ❊ AAnnnniivveerrssaarriieess ❊ AAnnnniivveerrssaarriieess ❊

Rice & Roses

FEELING EXHAUSTED?Drumming up business is hard work.

Take a quick catnap whilewe help you get the word out!

CALL TO ADVERTISE: 325-5700


Housekeeping • Meal PrepPersonal Care • Errands

www.caretechinc.com

In-Home Caregivers • (800) 991-7006

MON TUE WED THU FRI

Creamed Chicken over WildRice, Mixed Vegetables,

Spinach Side Salad,Whole Wheat Roll,

Red Seedless Grapes

14Country Fried Steak With Country Gravy,Baby Red Potatoes,

Seasoned Greens, Bread,Strawberry Pears

15Hearty Ham Shanks In Northern Beans,Cinnamon Pears,

Corn Bread Muffin,Lemon Pudding

16Liver & Onions in Gravy Or

Hamburger in Gravy,Mashed Potatoes,

Creamed Corn, Oroweat Bread,Pumpkin Bar

17

Pork Loin in Gravy,Mashed Potatoes,

Glazed Baby Beets,Oroweat Fiber Bread,

Tapioca Pudding

23Taco Salad,

Tortilla Chips,Diced Peaches,Cottage Cheese

24

Macaroni and Cheese,Stewed Tomato with

Breadcrumbs,Spinach Side Salad.

Oroweat Bread, Banana

2Deluxe Hamburger,

Leaf Lettuce & Tomato,Oroweat Sandwich Thins,

Potato Salad,Cowboy Caviar, Watermelon

3

Fried Chicken,Baked Sweet Potatoes,

Spinach, Oroweat Fiber Bread,Birthday Cake

Happy Birthday!

9Lasagna Casserole,Italian Vegetables,

Shred Lettuce Salad,Vienna Bread,Fruit Cocktail

10Labor Day

(Closed for Holiday)

6

Grilled Turkey Burger,Oroweat Sandwich Thins,

Ranch Whip Potatoes,Cowboy Caviar,Fresh Orange

13

Spaghetti & Meat Sauce,Italian Vegetables,

Spinach Side Salad,Bread Stick, Emerald Pears

21Chicken Salad Sandwich,

Oroweat Fiber Bread,Sweet Potato Fries,

Vegetable Pasta Salad,Cubed Canteloupe

22Salisbury Steak with Mushroom

Gravy, Baked Potato,Brussel Sprouts,

Oroweat Fiber Bread,Oatmeal Raisin Cookie

20

Breaded Pork Fritter, Leaf Lettuce / Sliced Onion,Oroweat Sandwich Thins,

Baked Sweet Potatoes, BroccoliRed Seedless Grapes

28Beef Macaroni Casserole,

Green & Gold Beans,Apple Juice Cup,

Oroweat Fiber Bread,Lemon Bar

27Breaded Fish Wedge,Scalloped Potatoes,Three Bean Salad,

Cinnamon Raisin Bread,Double Strawberry Jell-O

30Western Omelet,

Tater Rounds, Orange Juice Cup,

Fresh Baked Biscuit with Gravy,Applesauce

29

Meatloaf in Onion Gravy,Baby Red Potaotes, Corn,Bread, Cranberry Muffin

7BBQ Pork Rib Pattyon Hoagie

Bun, Sliced Red Onions,Scalloped Potatoes,

Oregon Blend Vegetables,Fresh Orange

8

Meatballs in Gravy,Baked Potato, California BlendVegetables, Oroweat Bread,

Apricot Halves

1

SSEEPPTTEEMMBBEERR

SENIOR CENTER MENU

All meals include coffee and 2% or skim milk.Please make reservations one day in advance.

Modified diets may be requested when making reservations. Bring a friend!