www.iowalivingmagazines.com/webstercity Webster City Living Living Webster City april 2012 50595 magazine ST. TOM’S BALL FAITH CHOCOLATE CHIP COOKIES RECIPE MEET MIKE PAVIK EDUCATION PRSRT STD ECRWSS U.S. POSTAGE PAID BIG GREEN UMBRELLA POSTAL CUSTOMER BIG GREEN UMBRELLA 414 61st Street Des Moines, IA 50312 TIPS TO HELP PLAN FOR YOUR CHILD’S SECONDARY EDUCATION TIPS TO HELP PLAN FOR Y OUR T I P S TO O O H E L P P L A N FO O R Y O O U R Preparing for COLLEGE
Transcript
www.iowalivingmagazines.com/webstercity Webster City Living APRIL | 2012
LivingWebster Cityapril 2012
50595
magazine
ST. TOM’S BALLFAITH
CHOCOLATE CHIP COOKIESRECIPE
MEET MIKE PAVIKEDUCATION
PRSRT STDECRWSS
U.S. POSTAGEPAID
BIG GREEN UMBRELLA
POSTAL CUSTOMER
BIG GREEN UMBRELLA414 61st Street
Des Moines, IA 50312
TIPS TO HELP PLAN FOR YOUR CHILD’S SECONDARY EDUCATIONTIPS TO HELP PLAN FOR YOURTIPS TOOO HELP PLAN FOOR YOOUR
Preparing for
COLLEGE
APRIL | 2012 Webster City Living www.iowalivingmagazines.com/webstercity
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M y wife, Jolene, and I have three wonderful daughters, ages 14, 12 and 9. They have, for the most part, been relatively easy to raise so far. But, as our friends keep telling us, “You just wait.”
Yes, those teenage years are staring us in the face, and we are told this is the time when girls can be more challenging than boys. Aside from those unmentionables, there are the costs: cell phones, clothes, cars, activities and the biggest one — college. Yes, the reality of putting three girls through college — potentially
all at once — is extremely daunt-ing. I can’t imagine the stress par-ents must feel when sending their children off to school, let alone determining how to pay for it all. But before that first day of college arrives, a number of important decisions must be made, deci-sions that will impact a child’s future immensely. We will need to start reviewing options for our children soon, as they grow into young adults and decide what they want to do with the rest of their lives. Many of you are in the same boat as Jolene and me. Others of
you have already dealt with these decisions in raising your children. But regardless of your personal situation, we can all relate to the process of trying to determine what to do after high school. These are not decisions that should be taken lightly, so we offer a bit of guidance from area residents who have recently been through the process as this month’s cover story. And as for raising teenage girls, I guess the “you just wait” will soon be here. Thanks for reading.
Shane GoodmanPublisher
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P reparing for college takes years of preparation and organization, and in some
cases, the process can begin as early as kindergarten. In Webster City, career exploration and planning begins at the elementary school level at Sunset Heights and Pleasant View schools. Guidance counselors Karla Caquelin and Jaime Davis facilitate discussions about various careers and becoming involved in the community. Davis oversees the “Sunset Businesses” in which stu-dents learn life and career skills by running three in-school business-es: a post office, a bank and the One Stop Shop where students can spend their earned “Sunset Bucks.” Webster City Middle School guidance counselors Sondra Dyer and Patti LaSourd hold a Career Day with sixth graders in which parents speak about their careers. The serious career educa-tion and planning begins in eighth grade. Utilizing the state-mandat-ed “I Have a Plan Iowa” online program, students begin the pro-cess of connecting their likes and dislikes to potential pathways and careers. Dyer and LaSourd encourage kids to try new things and build on their strengths as they also start their four-year plan for high school. Dyer says the class work exposes students to new vocabu-lary that is college- and career-related. In the class, students learn about community colleges, techni-cal schools, universities, various degrees, exit requirements and also discuss which high school courses will be necessary for stu-dents to take are parts of the process. One of the eighth grade assignments is the career simula-tion game in which students are assigned a job, receive a paycheck and have to make housing, trans-portation and daily living decisions based on their given situation. “It teaches them about edu-cational goals and time manage-ment,” Dyer says. The counselors’ goal is to expose the kids to different edu-
cation and career possibilities and set a foundation that can be built upon in high school. “We know they’re going to change their minds along the way,” Dyer says. “And we expect them to,” LaSourd adds. Helping students look at the long-term big picture though vari-ous choices is what Dyer and LaSourd strive to do. “We look at it as a puzzle — it all has to fit together,” LaSourd says. Dyer mentions that parental involvement is encouraged in the “I Have a Plan Iowa” and four-year high school plans. “The hope is that parents get involved and go through their child’s plan with them,” she says. “It’s a whole new experience.” Important communication skills, getting involved in school groups and the community, net-working, working well in groups, time management, volunteerism and citizenship are among impor-tant endeavors and skills the coun-selors relate as well.
“Colleges are looking at the well-rounded students, not just the ‘A’ students or the athletes.They’re looking for creative think-ers,” LaSourd says. The timing of this exploration in late middle school is ideal. “It’s time for them to start thinking about being high school students, and they’re ready to spread their wings,” she says. Developing a college/career mindset that is flexible and adapt-able, encouraging students to become lifelong learners, and being open to the possibilities of careers that, with changing tech-nology, may not yet exist are shared concepts of the middle and high school counselors. “You know you’re going to have to do some kind of train-ing after high school,” says Joyce Ostebee, guidance counselor at Webster City High School. Ostebee says she urges stu-dents to become lifelong learners by initiating the selection process early. “It’s never too early to start preparing for college, and chang-
ing your mind is OK,” she says. “Don’t leave your future to chance. Make a plan to achieve your education and career goals.” Ostebee says approximately 60 - 65 percent of WCHS gradu-ates will go to community college, 25 percent will attend a four-year college or university, and 10 per-cent will pursue a military or other type of career. Ostebee tells students to con-sider all the options for higher education and not assume a school is too pricey. “You never want to rule out colleges because of the price,” she says. “Check their financial aid packages or scholarships.” Gathering information on col-leges, majors, scholarships and financial aid packages has been facilitated by technology. “The Internet has made it eas-ier and more accessible,” Ostebee says. “It’s a constant decision-making process.” Her decision-making model recommends taking time for self-analysis, exploring options, making a choice, implementing it and tak-
Counselors Sondra Dyer and Patti LaSourd get WCMS students started on the “I Have a Plan Iowa” program.
Phot
o by
Sus
an L
eman
6 Webster City Living APRIL | 2012 www.iowalivingmagazines.com/webstercity
ing time for self-analysis.As freshmen enter the high
school, Ostebee talks with them about course scheduling, about keeping their options open and taking courses that both appeal to them and will benefit them for the rest of their lives. She encour-ages communication with teachers about the courses they teach.
Sophomores explore who they are, what they want, and how to get there.
“When deciding what you want to do for the rest of your life, it is important to explore yourself — your personality, val-ues, interests, academic strengths and weaknesses. This will enable you to narrow your choices when making a decision,” she says.
Juniors talk about researching colleges, arranging campus visits, paying for post-secondary educa-tion, the various entrance tests and advanced placement courses. Seniors review their transcripts, test scores, submit applications, visit with college reps and search for scholarships, grants and finan-cial aid.
Back to schoolIn Webster City, several former Electrolux employees are going back to school to get training and prepare for new careers.
Shannon Keller is a student at Des Moines Area Community College, majoring in management and human resources. She is expe-riencing college for the first time, and with husband, Bob, is also helping their son, Trey Roosa, pre-
pare for WCHS graduation and his freshman year at the University of Northern Iowa. Next fall, mother and son will be college students at the same time. Because Shannon has recently been through the college prepa-ration experience, she and Bob, a machinist at Sauer-Danfoss in Ames, are well-equipped to help Trey navigate the process. “Our advice to anyone prepar-ing for college is to start early and be prepared,” says Bob. “Take the ACT as soon as possible, do the online prep tests, and check out financial aid and scholarships,” Shannon adds. She also suggests taking the ACT college entrance exam twice to better the score. “The PSAT (which determines your potential outcome on the SAT exam) is good preparation,” she says. “It’s important to stay on top of your GPA and to know your class percentile,” Shannon advises. She recommends high school stu-dents keep their class schedules and transcripts from all four years, as they can be useful when filling out college applications. “Know the standards of the col-lege you want to attend,” she says, because that can determine what core courses you need to take in college. “As a student, you have to be in charge of your plan and know what your core courses are.” Trey’s advice for students is to consistently do your best in school and not wait until the last few years.
“Be organized,” he adds, “not just in school, but in life in general. Use technology. Know how to use your computer and utilize email.” At WCHS, Trey has been involved with WCTV, swing choir and drama, among many other pursuits. He has been involved with Webster City Community Theater and works at Hy-Vee. He enjoys working and talking with people and considered several career areas — broadcast meteo-rology, teaching, politics, psychol-ogy, sociology and the military — before deciding on majoring in communications at UNI. He’s eager to become involved in campus activities like the cam-pus TV or radio stations, drama, music, speech or student council. “I don’t want to overload myself, but I still want to be involved,” he says. Trey is also looking forward to is meeting his roommate and getting to know some new people. Freshman orientation at UNI
will be in June, and he’s staying on track with his preparation. “Every two to three weeks, I’m getting email reminders from UNI about what I need to be doing,” he says. “I’m set to go to college physically, but not mentally yet. I’ve still got a lot of growing up to do.” He urges students to enjoy their high school years — especial-ly their senior year, “... because halfway through the year, you real-ize it’s real.” In a melancholy manner, he says he has marked lots of “lasts” as a senior. College preparation requires careful planning and a systematic approach. As many who have been through the process can attest, it’s time-consuming but well worth the investment when planning your future. “Take control of your life; make a plan and work hard to find both happiness and success,” Ostebee says.
Freshmen Julia Bernard, Gilbert Martinez and Kyle Anderson look through files of col-lege brochures and catalogs in the Webster City High School guidance office.
Phot
o by
Sus
an L
eman
8 Webster City Living APRIL | 2012 www.iowalivingmagazines.com/webstercity
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M arch 20 marked the first day of spring. Spring is also the perfect time to clean
and organize your finances. Here are some ways to get started:
Consider investing in a financial organization system, such as alphabetized file folders. Also consider buying a shredder to purge receipts and statements you no longer need. The IRS requires taxpayers to maintain tax records for all income, deduc-tions or credits claimed on their federal returns for three years.
Financial documents such as savings bonds, life insur-ance policies, deeds, property titles and stock certificates should be stored in a fireproof safe or in a safe deposit box at your bank.
Setting up automatic payments for recurring bills such as car loans, cell phone bills or monthly mort-gage payments is a one-time task that offers ongoing benefits. Not only are you less likely to incur late fees, but automatic payments and online statements also reduce the paper pileup.
Review your debt to make sure you are working toward eliminating it. Reducing or eliminating debt can boost your credit rating and improve your monthly cash flow. It’s generally best to pay off debt with the high-est interest rate first. Instead of keeping track of multiple credit card bills and statements
from several checking, savings and investment accounts, consider which accounts could be closed or consolidated. Juggling too many accounts may make it more difficult to remember payment due dates and to monitor account activity for possible fraud. Before rushing to close credit accounts, remember it could result in a drop in your credit score. It's a good idea to keep your oldest credit cards because one fac-tor of your credit score is how long you’ve had credit. Look for errors or incomplete information that could prevent you from getting the best deals on credit cards, mortgages or other loans. You are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit bureaus — Equifax, Experian and TransUnion. Although you can ask to receive copies from all three credit bureaus at the same time, you can also spread out your requests throughout the year to check for major changes or inconsistencies. To order your free reports, go to www.AnnualCreditReport.com or call (877) 322-8228. -
As life changes, so do insurance needs. Take some time to review your different insurance policies, such as health, life, disability, home-owners and auto to make sure you have enough coverage to safeguard you and your family while at the same time not paying excessive pre-miums. Remember, some insurance gets more expensive as you age, so there's no reason to wait.
Information provided by Kyle Swon, senior vice president, Webster City Federal Savings Bank, 82 Des Moines St., www.webcityfed.com.
finance By Kyle Swon
By Kyle Swon, senior vice presidentWebster City Federal Savings Bank
Spring clean your financesClear the clutter, organize accounts
www.iowalivingmagazines.com/webstercity APRIL | 2012 Webster City Living 9
T he Friends of the Library will hold a spring book sale in the library meeting room
from Wednesday, April 25 through noon on Saturday, April 28. On Wednesday, the sale is open to Friends members only.New members may join at the door for $2. Thursday through Saturday is open to the public. Books, CDs, videos, DVDs, books on tape and CD, magazines and albums will be for sale. Donations of quality used books, DVDs and CDs will be accepted any time through April 24. All funds from the book sale are used to support the library.
Do You Pin or Tweet?If you follow Kendall Young Library on Pinterest or Twitter during the month of April, your name will be entered into a drawing to win a prize. Follow us both places? Have two chances to win.
Upcoming eventsBook Discussion: “Eye Contact” by Cammie McGovern, Tuesday, April 24, noon. Teen Board: (grades 6 - 12) meets on the first Tuesday of the month. Teens help to choose young adult books for the library and to plan fun activities. Tuesday,
May 1, 5:30 - 6:30 p.m. Smartphone Class: Learn the basics of operating your iPhone or Droid smart-phone. Co-sponsored by Verizon Wireless. Thursday, May 3, 7 p.m. Professional Storyteller Maureen Korte: Fun, interactive storytelling program for families.
Monday, May 7, 6:30 p.m. Couponing 101: Learn to save big on groceries and house-hold items with coupon expert Katie Kitterman. Doors open at 8:30 a.m. Limited to first 100 participants. Co-sponsored by R Company. Saturday, May 12, 9 - 11 a.m. Children’s movies every Saturday from 10:30 a.m. to noon for ages kindergarten to fifth grade. Siblings and families are always welcome. There is a prize drawing every Saturday with a big prize drawing on the last Saturday of the month.
Spring book sale starts April 25
library By Angie Martin-Schwarze
Kendall Young Library
Hours:Mon. - Thur.: 10 a.m. to 8 p.m.Friday: 10 a.m. to 6 p.m.Saturday: 10 a.m. to 5 p.m.
Donations accepted through April 24
Trinity Wound Healing Center(515) 574-6068
trmc.org/woundhealing
802 Kenyon Road | Fort Dodge, Iowa 50501
1542 - 2nd St.Webster City515.832.4141
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Friday, April 20 Chamber Coffee, Riverview
Preschool & Daycare, 705 Odell St.,
10 a.m.
Preview Night of the St. Thomas
Aquinas Ball, wine, cheese, bidding
begins, open to public, 5:30 - 7 p.m.
“Harvey,” Webster City
Community Theatre, $10, 7:30 p.m.
Girls golf vs. Eagle Grove, 4:30 p.m.
Boys track at Pocahontas, 5 p.m.
Saturday, April 21 Movie for grades K - 4, Kendall
Young Library, 10:30 a.m.
Friends of St. Thomas Aquinas
Ball, raffle, live auction, silent auction,
dance, 6 p.m. - 1:30 a.m.
“Harvey,” Webster City
Community Theatre, $10, 7:30 p.m.
Hunter Safety Course, Boone
Valley Izaak Walton League, 8 a.m. -
4:30 p.m.
Sunday, April 22 Earth Day
“Harvey,” Webster City
Community Theatre, $10, 2 p.m.
Hunter Safety Course, Boone
Valley Izaak Walton League, 8 a.m. -
4:30 p.m.
Monday, April 23 JV boys track at Boone, 5 p.m.
JV/V boys soccer vs. Garner-
Hayfield, 6 p.m.
Tuesday, April 24 Dunk-a-Donut Day, Hy-Vee,
7:30 - 9 a.m.
Preschool Storytime, Kendall
Young Library, 10:05 - 10:35 a.m.
Book Discussion, “Eye Contact,”
Kendall Young Library, noon
JV/V girls soccer at Clear Lake,
5:30 p.m.
JV/V boys soccer at North Polk,
6 p.m.
Wednesday, April 25 Administrative Professional’s Day
Friends Members Day at Book
Sale, Kendall Young Library, join at
door for $2, 10 a.m. - 8 p.m.
Thursday, April 26 Nursery Hop Bus Trip, Hamilton
Co. Extension, 311 Bank St., $45, call
832-9597 to register, 7:30 a.m. -
8:30 p.m.
Book Sale, Kendall Young Library,
10 a.m. - 8 p.m.
“Harvey,” Webster City
Community Theatre, $10, 7:30 p.m.
Girls and boyst rack at Boone,
5 p.m.
JV/V girls soccer vs. Gilbert,
5:30 p.m.
Friday, April 27 Drake Relays
Chamber Coffee at the Depot,
Wilson Brewer Historical Park,
10 a.m.
Book Sale, Kendall Young Library,
10 a.m. - 8 p.m.
“Harvey,” Webster City
Community Theatre, $10, 7:30 p.m.
Saturday, April 28 Drake Relays
Reconnecting Children with
Nature: Growing Up Wild, Hamilton
Co. Extension, Briggs Woods Park,
call 832-9597 to register, 8:30 a.m. -
12:30 p.m.
Movie for grades K - 4, Kendall
Young Library, 10:30 a.m.
Book Sale, Kendall Young Library,
10 a.m. - noon
Hamilton Heritage Hunters meet-
ing, Kendall Young Library, 1:30 p.m.
“Harvey,” Webster City
Community Theatre, $10, 7:30 p.m.
WCHS Prom, 8 p.m.
Monday, April 30 Girls track at Iowa Falls-Alden,
5 p.m.
Tuesday, May 1 May Day
Preschool Storytime, Kendall
Young Library, 10:05 - 10:35 a.m.
Teen Board meeting, Kendall
Young Library, 5:30 - 6:30 p.m.
JV/V boys soccer at Clear Lake,
5:30 p.m.
JV/V girls soccer vs. Colo-Nesco,
5:30 p.m.
Wednesday, May 2 KLAB (Kids Learning About the
Bible), First Congregational Church
of Christ, 3:30 - 4:45 p.m., meals and
more 5 - 6 p.m.
Thursday, May 3 Step Into My Garden Horticulture
Program, Hamilton Co. Extension,
10 Webster City Living APRIL | 2012 www.iowalivingmagazines.com/webstercity
your school, church, business, organization or family to [email protected].
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12 Webster City Living APRIL | 2012 www.iowalivingmagazines.com/webstercity
M ike Pavik has spent a great deal of his life in Catholic education.
The Fort Dodge native grad-uated from St. Edmond High School, and after serving in the Air Force and Air Guard and receiving his teaching degree from the University of Northern Iowa, taught English at parochial schools in Sioux City and Fort Dodge. He received a master’s degree in education administra-tion from Drake University and served as principal at parochial schools in Creston, Urbandale and Pocahontas. He has been principal at St. Thomas Aquinas Catholic School in Webster City for nine years. He plans to retire in May and start a new phase in his life.
Looking back on his years in Catholic education, Pavik says the mission of the church is alive and well in educating its children.
“There’s more to educating than just teaching math, science and social studies; it’s the whole person — the spiritual aspects, values and morals; it’s about the total person,” he says. “The expec-tation to be a good moral person has been important in my life, and that’s what I’ve tried to teach the kids here.”
Pavik mentions the archdio-cese, public school administration colleagues and school staff for their support of his work as an administrator.
“There are committed people in all aspects of education — both public and parochial,” he says.
The principal is proud of what he’s accomplished at St. Thomas.
“We’ve done a lot of infra-structure things over the past nine years: new desks in the class-rooms, new cafeteria tables, add-ing more technology and updat-
ing computers, purchasing digital overhead projectors and replacing textbooks. A new playground was installed last summer. These are things I look back on and am pleased with,” he says. The field of education is in a constant state of growth and change. Pavik mentions some of the challenges facing rural districts and offers some suggestions. “In rural Iowa, we’re all deal-ing with fewer kids and costs that keep going up, and making it all balance is tough,” he says. Pavik favors letting administration and teachers who know what’s best for kids make the decisions. “You can’t legislate success,” he says. “Education was simpler when I was a kid. There are so many variables now.” His advice to other administra-tors is simple: “Just keep going forward, believe in your people, believe in the kids, believe in God, and support the teachers as much as we can.” Pavik’s retirement plans include fly fishing and duck hunt-ing, writing a science fiction trilogy, traveling with his wife, Candy, and visiting their children and grand-children. School staff, parents and kids are among his list of what the principal will miss. “I’ll miss the mission of bring-ing the Good News to the kids. I won’t miss getting up at 4:45 a.m. each morning,” he says.
Meet Mike Pavik
Mike Pavik will retire as principal of St. Thomas Aquinas Catholic School in May.
T he Friends of St. Thomas Aquinas Ball is slated for this Saturday, April 21 at
the Center, 624 Dubuque Street, from 6 p.m. to 1 a.m. The evening includes a dance for $35 per ticket, social hour, a live and silent auction and a grand prize drawing. Food and drinks will be served throughout the evening. Tickets are limited and will not be available at the door. Order them online at www.stthomaswc.org. All proceeds of the event will benefit the St. Thomas Aquinas School, including proceeds from the raffle drawing. Raffle tickets are $50 each or three for $125, and the more tickets you pur-chase, the better your odds are of winning prizes. Prizes include first prize — a $10,000 Gilbert Jewelry shopping spree or $10,000 in cash; second prize — a 55-inch LG TV with surround sound and Blu-ray from Home Appliance (valued at $2,600); and third prize — $1,000 in SCRIP gift cards. Contact the church to learn more at 832-1346. Missionary Davidson Adams, who spent some time recently in Nigeria, will be a guest speaker at Asbury United Methodist Church, 921 Des Moines St., at 4 p.m. on May 9. All are welcome to attend, and a light dinner will follow the lecture.
Adams is a laymen, born in 1968. He is married with three children. His goal is to serve the poor in his community as a service to God. For more information, contact Dan Corrow at 832-5369. Learn more about the church and its many inspirations online at www.asburywc.org.
The Women of Faith at Trinity Lutheran Church, 1229 Kathy Lane, will be hosting a relax-ing evening of fellowship on Friday, April 20. Join the group on the porch for food and drinks. Along with joining them for fellowship, support the Women of Faith by checking out the group’s annual garage sale in June, which is accepting donations — a perfect place to dicard unwanted items after a good spring cleaning. The garage sale takes place at the church on Friday, June 1, and Saturday, June 2. Find out more about the church online at 832- 2220. Learn more about Women of Faith and other groups and activities at TLC online at www.trinitywebstercity.org.
Proceeds will benefit St. Thomas Aquinas School
St. Thomas’ BallBy Amber Williams
Spread the WordHave an upcoming event or church news you would like to announce? Send information to [email protected].
The Friends of St. Thomas Aquinas Ball will be this weekend, April 21, from 6 p.m. to 1 a.m.
921 Des Moines Street ~ 832-5369 ~ www.asburywc.org
Asbury United Methodist Church
WORSHIP Sunday 10am and Saturday 6pmSUNDAY SCHOOL for all ages Sunday 9am
AWANA WorshipApril 29, 10am
Come experience what our children have learned in AWANA this year
Senior SundayMay 6, 10am
We honor our graduates this day
May 9, 4pmNigerian missionary, Davidson
Adams, here to speak
Mother's DayMay 13, 10am
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14 Webster City Living APRIL | 2012 www.iowalivingmagazines.com/webstercity
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Beth McDonald is a wife and mother and works full time in Des Moines.
R ecently we were on a family vacation, and since it was a car trip it was easy for me
to pack some treats for us to snack on along the way. I usually make sure we have trail mix, granola bars and choco-late chip cookies. Chocolate chip cookies are easy to make and trav-el well. They will easily stay fresh for a week at room temperature in a sealed container. Chocolate chip cookies are something you can adapt with a variety of different ingredients; peanut butter, dark chocolate chips or M & M’s. If you are going to use peanut butter you need to use a half-cup of pea-nut butter and a half-cup of butter or Crisco. This trip I just made the traditional cookies, but I frequently make them with peanut butter. There is a great debate between chewy cookies vs. crunchy cookies. My family prefers soft cookies, and this recipe is one that looks crunchy but is still soft. My tip is to use the butter-flavored Crisco vs. butter. If you use butter, be sure it is at room temperature because your cookies will turn out better if it is. I also use a cookie scoop. This helps to make sure each cookie is the same size and shape. By having the cookies the same size, they will cook evenly.
Chocolate chip cookiesBy Beth McDonald
Chocolate chip cookiesIngredients2-1/4 cups all-purpose flour1 teaspoon baking soda1 teaspoon salt1 cup (2 sticks) butter, softened ( I use 1 cup butter-flavored Crisco)1-1/2 cup packed brown sugar1 teaspoon vanilla extract2 large eggs2 cups semisweet chocolate chips
Directions Preheat oven to 375 degrees F.
Cream together the butter and brown sugar until smooth. Beat in the eggs one at a time, then stir in the vanilla.
In a small bowl combine flour, baking soda and salt. Add to bat-ter. Once mixed add the chocolate chips.
Drop by large spoonfuls onto ungreased pans. Bake for 10 - 12 min-utes or until golden brown.
Traditional favorite can be varied many ways
www.iowalivingmagazines.com/webstercity APRIL | 2012 Webster City Living 15
Tim Wiese and Doug Getter at the Chamber Coffee held at Woolstock Equipment on March 8.
Holly Myers and Carrie Fitzgerald at the Chamber Coffee held at Woolstock Equipment on March 8.
Richard Carlson and Angie Martin-Schwarze at the Chamber Coffee held at Woolstock Equipment on March 8.
Mike Schuck gave a tour of the building during the Chamber Coffee held at Woolstock Equipment on March 8.
health Q&A
Information provided by Kelly Dodge, health care coordinator, Windsor Manor, 1401 Wall St., Webster City, 515-832-1188.
Q:What choices do I have when remaining at home is no longer the best option?A: When the need arises, start by determining the level of need and which level best meets that need. There are three different levels of care.
Independent living is when a person would like to downsize to a maintenance-free apartment. Assisted living is a nice alternative when one is in need of assistance, but is able to participate in those cares. Assisted living provides housekeeping, meal preparation and assistance based on the individual’s need.
When looking at assisted living, it is important to understand there are both certified and non-certified programs. Certified programs meet DIA regulations and are evaluated regularly. Assisted living facilities have a base rent for the apartment which may/may not include meals, house-keeping and transportation with additional fees for assistance. Costs can be offset by facilities that accept V.A. benefits, long-term care insurance, or CDAC (Medicaid) waiver programs.
Nursing home is the level of care needed when a person needs 24 hour nursing care. When comparing facilities, look at staff/resident ratios, pendant response times and happiness of current residents when making the decision.
515-832-1188 ~ 1401 Wall Street ~ Webster City www.windsor-manor.com
Make Windsor Manor your new HOME!
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16 Webster City Living APRIL | 2012 www.iowalivingmagazines.com/webstercity
A pproximately 60 - 75 per-cent of the population older than 65 will require
some form of long-term care in their lifetime.
It’s estimated approximately 45 percent of those entering a long-term care facility will need to stay one year or longer. There are different options of financing long-term care, and it’s best to be prepared.
will cover your stay in a skilled nursing facility for up to 100 days. You must qualify by having three nights stay in an acute care hospital prior to admission and require skilled nursing care. Skilled nursing care may include therapy, daily wound treatments or IV therapy. Most individuals qualify because of the need for therapy. It is rare for someone to reach the full 100 days, however, since to continue to qualify for therapy you must continue to improve, and once you reach your prior level of activ-ity you’re no longer eligible.
also called Title 19, is available if you qualify med-ically and financially. You must need daily assistance with activi-ties of daily living such as dress-ing, grooming, transferring or toi-leting. You must also be below the resource limit of $2,000 and the income limit of $2,094 per month. A spouse still living at home may keep his or her own income and some of the nursing home spouse’s so their maximum income is $2,841 per month. The spouse at home may also keep a minimum of $24,000 and maxi-mum of half of all countable assets,
up to $113,640. The person’s home is only counted if no one is living there or plans to return. If a person transfers assets they may have to wait to be eligible. -ance can save resources for secu-rity or heirs. It’s important to determine your ability to pay the premiums both now and in the future. One rule of affordability is the premium should be less than 7 percent of income. It’s gener-ally considered a good idea to purchase insurance if individual resources are more than $75,000. Every policy varies in the amount of coverage, type of care covered, waiting periods, etc. Several fac-tors such as health, risk factors, finance, preferences, age and fam-ily status will affect insurance cost. It’s best to compare various poli-cies to find the one that is right for you and to work with a reputable agent and company. is where a person uses his or her income and proceeds from the sale of assets to cover costs. Long-term care costs are approximately $150 - 175 per day in rural Iowa and continue to rise each year.
By Ann Root, RN, C, Crestview Senior Living administrator
Information provided by Ann Root, administrator of Crestview Senior Living, 2401 Des Moines St., Webster City. For more information, call 515-832-2727.
Financing long-term care
senior living By Ann Root
Be prepared for costs of a nursing facility
515-832-2727Family owned and operated since 1964
“Our family caring for your family”
2401 Des Moines Street Webster City
CRESTVIEW MANORRehabilitation Skilled and Intermediate Care
Delicious Meal and Snack ChoicesStimulating Activities and Programs
Hospice Respite CareCaring, Professional StaffHome-like Atmosphere
Our residents rate us above average on satisfaction surveys!
Come enjoy security, convenience and companionship!
CRESTVIEW HOME CARE Available 24/7
in the comfort of your own apartmentDesigned to fit your specific needs
Services available à la carte
Bringing affordable assistance to promote independent living
Crestview Senior LivingEnjoying all kinds of friends!
18 Webster City Living APRIL | 2012 www.iowalivingmagazines.com/webstercity
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