CHOOSE
A Local Guide to Choosing Key Products and Services
SUNDAY, AUGUST 2, 2020
PAGE 2
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
Contents ASSISTED LIVING 3 COMMUNITY COLLEGE 5 CREDIT UNION 6 EVENT CENTER 8 FARM INSURANCE 9 GARAGE DOORS 10 HEALTH & INCOME PROTECTION PLAN 11 HEARNG AID 12 HOSPICE CARE 14 IN-HOME HEALTH CARE 16 INSURANCE AGENT 18 LASIK SURGEON 19 LOCAL ATTRACTION 20 MEMORY CARE CENTER 22 NURSING HOME FACILITY 23 REALTOR 24 RETIREMENT COMMUNITY 25 SKILLED CARE AFTER SURGERY/REHAB 26 TRAVEL AGENT 29
SUNDAY, AUGUST 2, 2020
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
PAGE 3
THE COURIER
How to Choose Assisted Living What to Look for in an Assisted Living Center With Americans living longer than ever, the need for assisted living centers has also grown and the industry has responded. But because the type of care seniors require varies, finding the proper facility means locating a balance between appropriate levels of care, comfort and access. In the past, long-term care could only be handled by a nursing home. Living in a hospital setting for an extended time was not a pleasant environment. Times have changed dramatically. In addition to on-site medical care, many assisted living centers can appear more like upscale apartments, offering dining, travel, activities and personal freedoms. But not all assisted living centers are alike. The decision to place a relative into such an environment warrants close scrutiny and research. Personal care Ask your loved one's personal physician
how much care is required to function safely. The doctor may even be able to guide you toward an appropriate facility. Be sure to seek advice on what qualifications and certifications you need to look for in the center's staff. The center's employees should be well-qualified to handle medical needs. If you monitor medical care, you can avoid paying for extensive services that your loved one may not need. Understanding the care the person requires will help you find a center that is a good fit. Amenities Accommodations at these centers can range from luxurious, detached cottages to cozy condominiums or smaller apartmentstyle rooms. It all depends on what you are looking for, what you can afford, and what is available. As you visit the facilities, try to personalize each space. Imagine how your loved one's belongings might fit into the area and where decorations will be placed. Does the atmosphere bring about
a feeling of peace and tranquility? How are the rooms decorated? Are they tasteful and soothing, or do they remind you of a hospital setting? Look at the home amenities and consider how you would feel about living there. Would you want your loved one living there? Is the facility within your budget? Recreation and activities Game and meeting areas can help the resident make new friends and keep them from feeling alone and lonely. Leaving the confines of their units is an important part of improving quality of life. Make sure the center offers activities and space to occupy your loved one's time. Quality facilities will have activities that match his or her hobbies. If your family member enjoys crafts, then look for a center with a designated craft area or classes for your loved one to enjoy.
about the quality of the facility. A wellmaintained lawn and garden is a positive sign. If the prospective resident enjoys spending time in nature, look for a facility that has park-like areas. Some centers have community-style gardens and walkways for residents. Just being able to experience nature as it grows and changes with the seasons can be uplifting and soothing. An assisted living center with a manicured lawn and garden can make a huge difference in the quality of life for a loved one. Choosing an assisted living facility is about finding the right combination of medical services and amenities. With research and thought, you will find the perfect place to bring comfort and care to your loved one.
Gardens and landscaping The landscaping of an assisted living center can give you a good indication
Live Better. Live Well.
Residential Neighborhoods • The Bryhl Retreat & Assisted Living • Skilled & Memory Care • Outpatient Therapy
Our Main Street Lifestyle Center is Helping YOU Live Better...Under One Roof! Wellness Center • River Rock Café • Elm’s Pub • New Day Salon & Spa 7511 University Ave, Cedar Falls, IA 50613
•
www.NewAldaya.org
•
319-268-0401
PAGE 4
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
Get The Courier’s headlines on command through your Alexa device. Simply say:
“Alexa, enable Waterloo Cedar Falls Courier Daily News Skill” and your Alexa will automatically add The Courier’s Daily News Briefing. After that, just say: “Alexa, what’s my flash briefing?” and you’ll hear the latest briefing. Listen to a new briefing every morning.
SUNDAY, AUGUST 2, 2020
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
PAGE 5
THE COURIER
How to Choose A Community College The Smart Choice: Northeast Iowa Community College The coronavirus pandemic has created great uncertainty for students deciding on the best option for their college education. If fouryear colleges and universities embark on a traditional fall semester and then interrupt the campus environment by shifting to all-online instruction, students could be paying for campus life, activities, room and board, and an atmosphere they didn’t experience. Now, thousands of students will enroll at Northeast Iowa Community College (NICC) this fall because it is the smart choice to earn a transfer degree or get the training they need to start their career. NICC has been offering online courses and programs nearly 20 years, and has experience teaching in the virtual classroom, as well as with a combination of online and in-person instruction. One student at Northeast Iowa Community College, Charles Durnan, is completing a Business Specialist degree 100% online. The online coursework allows him to continue
living and working locally, and to advance his career when he earns the degree. “I was in a dead-end career. I made it to the top of my profession as a general manager for a fast food restaurant, yet could not envision the position ever offering me a consistent schedule. I enrolled at Northeast Iowa Community College. I knew it was time to get the education I need to build a structured career and be paid for everything I know I can offer an employer,” Charles explained. Northeast Iowa Community College is the best place to complete the first two years of a four-year degree, says Steven Blosch, an Associate of Science degree student. The College’s Associate of Science and Associate of Arts degrees allow graduates to transfer their credits seamlessly to a four-year institution. “After I graduate, I want to become a science or biochemistry teacher. And choosing Northeast Iowa Community College made more sense to me. It’s close to home, affordable and I know a lot of the people here. You make a personal connection with advisors and staff,” Steven said. The online learning environment, and a
combination of online coursework and face-toface instruction, helps students who thrive in smaller class sizes. “Because Northeast Iowa Community College is not quite as large as a four-year institution, you have more oneon-one interactions with other students and faculty,” he said. The pandemic has resulted in job layoffs and caused great challenges for students looking for full-time stable employment in a troubled economy. Often, students find that short-term training programs at NICC offer the quick turnaround they need to begin a new career. Eric Avila enrolled in the 10-week Intro to Industrial Maintenance certificate program at NICC to start a new career. Immediately after completing the program, Eric landed his dream job. Enterprise Products Partners LP hired Eric for $30.95/hour last spring. “I’ve really wanted to get into this field and, after applying for several jobs, I realized that I needed to enroll at the College. I’m now making more than $30/hour, so I think my plan worked!” Eric said. “This is really huge for me, being just in my early twenties.” The training he received in the NICC
program prepared him for a solid, in-demand career with opportunities to advance and grow. Employers in Iowa have great need for industrial maintenance technicians. “The program taught me about three-phase motors for industrial maintenance and that was new to me – how to connect them in electrical systems. I enjoyed learning about hydraulics, electrical and pneumatic systems,” he said. Whether you want to train for new career through a technical program, or to transfer your credits to a four-year college, Northeast Iowa Community College prepares you with the skills, knowledge and talents you need to achieve your goals. Discover for yourself why NICC is the Smart Choice for You! Learn more about the College’s academic programs, and short-term training certificates, at www.nicc. edu/academics.
Article contributed by Northeast Iowa Community College
START HER E.
GO A NYW HER E! We won’t waste your time. Whether your goal is to transfer and complete a four-year degree, gain cutting edge hands-on training to start an essential career - or if you’re somewhere in between - you’ll find your place at Northeast Iowa Community College. • 8- or 16-week online classes with virtual academic support. • Agreements with four-year colleges to make transfer easy. • Short-term career training completed in six months or less.
EX PLOR E YOUR OPTIONS! 833.642.2338
www.nicc.edu/academics STAYCONNECTED. @neiowacc
PAGE 6
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose a Credit Union you own the place because you do!
Member ReShonda Young, of Waterloo, Iowa, visits with Dupaco’s Chloe Brown at the Mullan branch in Waterloo, Iowa. (Photo: Courier Photographer Brandon Pollock)
What was the first financial choice you ever made? It probably took place before your first job, even as far back as when your income consisted of Tooth Fairy money and lucky pennies. The first financial decision you made is also one of the most critical choices—where to keep your money. When you first made that decision, piggy banks and sock drawers seemed like perfectly acceptable options. As it turns out, a financial account is the best solution. But how do you choose which financial institution is right for you? Credit unions offer many of the same accounts and loans as banks, but their ownership structure is different. Credit unions are cooperatively owned by their members. You have a say in how your credit union is run—electing its board of directors— and you get to share in its success in tangible ways. Credit union’s profits are distributed back to members in the form of free products, lower interest rates on loans and higher interest rates on savings accounts.
Banks, however, are for-profit and owned by investors. Every credit union is different, but each provides similar products and services found at other financial institutions. You can ask these questions to help you determine your priorities as you compare credit unions and other financial institutions:
3. Will I have good access to ATMs? You might feel like you see more bank ATMs, but credit union ATMs are just as accessible. In fact, the largest credit union ATM network is larger than the biggest bank ATM network. Find out which other financial institutions share your credit union’s network. Free ATM transactions are not limited to machines with a particular credit union name on them. 4. What can I do online? More financial institutions are offering online and mobile banking services. Find out what you can do from your computer and smartphone. Can you check your balance? Schedule payments? Transfer money between accounts? Make mobile deposits and mobile payments? Taking advantage of online products can be a convenient way to avoid a trip to the ATM or the nearest branch.
1. Am I eligible for an account? Credit unions have membership requirements, but don’t let that intimidate you! Requirements can be as simple as living in a specific community, working in a particular field or having a family or friend relationship with someone who’s already a credit union member.
5. Speaking of the nearest branch, where is it? Find out what the hours of operation are and how they work with your schedule. Can you access your money through other branches, too? This could come in handy if there’s a location close to work or school. Many credit unions participate in national networks for shared services. These allow you to conduct transactions at more than 5,000 credit union branches nationwide—as if you were at your local branch!
2. How much does it cost to join? Are there any fees associated with opening an account? Is there a minimum balance required? Joining a credit union involves purchasing a share (usually $5). But this is different from a fee—it means you’re a member-owner of the credit union. That means you can act like
6. What types of rates and fees can I expect? Credit unions focus on the quality of service they provide to their members, rather than profits. Financial cooperatives generally offer better interest rates on savings accounts, competitive loan rates and fewer service fees than other types of
financial institutions. When choosing between credit unions, compare rates and fees to determine which one fits your financial needs and situation. 7. Will I have access to financial education? Credit unions are all about people helping people! Financial cooperatives want to help their members understand their money at a deeper level and, ultimately, improve their financial positions. Many credit unions offer educational tools and services to help members get ahead, including oneon-one guidance, credit monitoring, webinars, videos and more. 8. Will my money be safe? The federal government stands behind credit unions. Deposits are insured up to $250,000 by the National Credit Union Association. 9. What can my financial institution do for me? Ask about products and services tailored to your situation. Don’t settle for a financial institution just because you need an account. You should also want to have an account there. Choosing a financial institution is a personal decision, influencing how you manage your money and your time. If you make an effort to ask questions and compare services, you’ll find the best home for your finances. Article contributed by Dupaco Credit Union
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
THE COURIER
PAGE 7
Borrow. Earn. At a cooperative like Dupaco, you’re not just a member, you’re an owner. For any circumstance, there’s a loan option that works for you. Start with the online loan application—and complete it right from your home. To cover planned purchases or those unexpected expenses, borrow and earn—up to $60 in Thank Use for loan interest paid.
dupaco.com/ThankUse To earn Thank Use in the Borrow category, member must meet campaign eligibility requirements and have paid a minimum of $100 in total interest on qualifying loans (auto, recreational vehicle, personal, home equity, and/or mortgage) from 01/01/20–09/30/20.
PAGE 8
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose An Event Center
The Majestic Moon is a family owned and run business. Mike and Lori Price purchased the building in April 2017 and proceeded to remodel and improve it to make it more user friendly. Adding a handicap accessible entrance on the upper level, replacing the parking lots, adding all new light fixtures throughout the building (chandeliers on the upper level), removing old paneling and repainting with bright whites and grays to make a color neutral pallet for all events and users no matter their color scheme. The Majestic Moon is run by Lori and her daughter, Kellie Norris. They offer these tips when choosing a venue to work
with. Make sure you start planning your event early. Make time to visit several venues and get a “feel” for the venue itself and an idea of how easy or difficult it may be to work with the personal contacts at each venue. Try to envision your event and write down a short list of questions to ask each. Some examples may be, what increments do you rent the venue? By the hour, half day, whole day, peak or non-peak times, and are there any discounts available in bundling or any special package deals available? If you have extensive or elaborate decorating to do, is it possible to decorate the day or evening before? If some, are there additional charges or is there a package that would include these charges? Other questions to ask may be: What is included with the room/venue rental? Chairs, tables, servers, etc.? What time do we have to be completely out of the venue? What is the capacity of the room/venue you are interested in and how does that compare to the number you are expecting to attend your event? Are there additional charges and if so, what are they for and how much? Do you require security? Do you take care of this or do we? Once this basic information is known then you can test their communication skills and get an idea of how helpful your contact with the venue may be. Explain your event, expressing your idea of how the event should flow. See how much feedback or how closely they are paying attention to details as
you talk. Does your contact ask questions and show interest and compassion in your event? A good coordinator should ask questions and get details on your event. In turn making suggestions of things you could add or maybe easier ways to get the same end result. Find out who will be there the day of your event. You need to have confidence that if something is needed that there is someone there to help you. When you have done all of your fact gathering, then it is time to sit down and make a list of pro’s and con’s. Does the venue fit how you envision you event? Is there adequate parking? Do the facilities meet all of your needs? If you have guests coming from out of town, are there accommodations relatively close by? And probably most important, do you feel like your contact(s) are going to be easy to work with? Will you have confidence in them to help you through tough decisions or helping you find a solution for either something you can’t find or a problem that need a solution? Next to the venue, your contact(s) are really, really important. At the Majestic Moon, we go the extra mile to help make your event the most successful ever. We thrive on details. We can locate hard-to-find entertainment, or items for decorating. Your success is our success! We would love the opportunity to work with you. Give us a call at 319-234-2656 or 319-239-5726. Article contributed by Majestic Moon
• Weddings & Receptions • Meeting Rooms • Birthday Parties • Military Send-Off or / Welcome Home • Political Campaigns • Retirement Parties • Celebrations of Life • Cultural and Religious Events • Catering • Full Service Event Planning • Convenient Parking • Close to Hotels/Motels • Easy Access to Downtown or Shopping • Close to Water and Amusement Parks
PuBLiC EvEntS: Live Music 4:00-8:00 pm 2nd & 4th Sunday’s (through September) 1955 Locke Ave., Waterloo, IA 50702 info@majesticmoonevents.com www.majesticmoonevents.com
CALL US TODAY! 319-234-2656 • 319-239-5726
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
THE COURIER
PAGE 9
How to Choose Farm Insurance Not all insurances are the same and not all policies will cover what you need. When it comes to farm insurance, you will want to make sure you are getting the coverage you need for the most protection for your farm and equipment. Picking the right insurance policy for your farm is vital to the success of your business. Unlike farm equipment or a planting schedule, most farmers don't have a lot of knowledge about the insurance industry. Yet if they experience an accident or mishap on their farm, a solid insurance policy can put their business back on a solid footing. When you are in the market for farm insurance, here are some things you need to keep in mind.
INCREASED LIABILITY With the farming industry changing at a rapid pace, you may have more exposure to the prospects of lawsuits and damages. Every farm is different, with various sizes and types of operations. You might need different coverage from other farms. Have a meeting with your insurance agent to talk about your changing needs when it comes to liability coverage. The agent should develop a customized solution specifically for your needs. KNOW YOUR POLICY Farm policies are very different from other insurance products. It is important to understand your coverage. When you meet with your insurance
TOMORROW STARTS EARLIER FOR FARMERS Thank you for all of your hard work. We’re proud to provide you
agent, ask the following questions: — If my house is on the farm, does farm insurance cover it for damage? — What types of damage to my farm equipment does the insurance policy cover? — Does the policy include all the barns and buildings on the farm? — How are my livestock covered? Policies are different. Some may cover livestock, buildings and equipment, while others will provide coverage from disasters, floods and other harm. Find an insurance agent who is specially trained to look for risks that exist on farms. You should identify these things and insure against them before they happen. It is better to be prepared rather than feel regret.
FIRM STRENGTH Make sure you are dealing with an insurance company that has a strong balance sheet and good reputation. It is equally important to understand the company's reputation for dealing with claims. Good insurance companies handle farm claims quickly, fairly and professionally. It is always a smart idea to ask other farmers in your area about insurance companies. They may even have some recommendations for you. Knowing how to protect your farm, equipment and livestock, and getting the right coverage will protect you as well as giving you peace of mind. Article contributed by First Maxfield
FIRST MAXFIELD MUTUAL
SINCE 1860
with the insurance you need, and we're grateful that you provide us with the food we put on our tables. Trust in Tomorrow.®
“Trust in Tomorrow.” and “A Grinnell Mutual Member” are registered trademarks of Grinnell Mutual Reinsurance Company. © Grinnell Mutual Reinsurance Company, 2019.
PAGE 10
HOW TO CHOOSE
THE COURIER
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose Garage Doors You need a garage door that works every time. Our garage doors are built for long-lasting, trouble-free performance. Overhead Door™’s automatic garage door systems are expertly manufactured and tested to withstand inclement weather and rigorous use, year after year. Overhead Door™ manufactures doors made of premium materials, superior craftsmanship and innovative functions. Garage doors are not just for appearances. Although they can really add an elegant or classy look to your home, they are also important as a security measure. On many of today’s home designs, the garage door makes a huge visual impact. If your garage faces the front of the house, a new door could dramatically improve your curb appeal and change the overall look of your home. And even if it’s facing the back, a good-looking door can be the perfect “welcome home” sign after a long day at work. If you’re thinking about installing a new garage door, you may be surprised at just how many options are on the market — and how affordably they can be installed. THE LOOK Simple sheet metal garage doors are still on the market, but they’re only a tiny slice
of all the options available that can impact the look and safety of your home. In fact, garage doors have seen an explosion in styles, materials and colors that are designed to match the architecture of any home, from rural barns to craftsman bungalows or sleek urban getaways. While you may already have an idea of the exact type of garage door you want to see installed, some homeowners seek out the advice of a designer to help make the decision to pick the right style and color combination. Some garage door retailers will be able to help you visualize what the different doors would look like — complete with color and material samples, and perhaps even software that will show a picture of what your home would look like. You should also pay close attention to the materials. Today’s garage doors can be made from expensive hardwoods, textured vinyl, fiberglass or basic aluminum, all of which will have a big impact on the look and longevity of your door. Pay close attention to the maintenance needs of whatever material you choose. Some will hold their color longer than others, and real wood doors can require regular staining and sealing every few years to keep them looking spectacular.
INSULATION Depending on your climate, the insulation of your garage door can be an important factor to help reduce your energy bills. Just like windows and insulation in your attic, garage doors come with an “R factor” rating that tells you how well they insulate your home from outside temperatures. This is especially important in heated garages. But even an insulated door on unheated garages can make a positive impact on your energy usage if it can keep the hot and cold weather away from the interior of your house. In general, the higher the “R value,” the better off you’ll be. It is a good idea to pay attention to this in extreme climates. LOCAL REQUIREMENTS Before you make the purchase, you should also check to see if your city, county or homeowner’s association has any special requirements for garage doors. Homeowner’s associations, in particular, may have very picky requirements about what materials and styles can be used in your neighborhood. Make sure your choice meets with the approval of any local authorities or boards that control their use.
SAFETY A garage door is typically the largest moving object installed in any home, and safety should be a consideration. Ask your garage door retailer about any special safety features on the door you select. It should have a design that won’t pinch your fingers or hurt small children if they get caught under it. Make sure it will be installed according to all applicable safety codes in your area. OPENER Finally, when you install a new garage door it’s usually a good idea to install a new opener, too. Make sure you factor this into the cost and explore all your options — including the latest models that can be closed remotely via smartphones and operate very quietly and efficiently. OVERHEAD DOOR COMPANY OF WATERLOO™ Call us today at 319-233-0471. Article contributed by Overhead Door Company of Waterloo
The Genuine, The Original.
Commercial Garage Doors
Residential • Garage Doors • Garage Door Openers • Design Center
• Insulated Doors • Sectional Steel Doors • Rolling Steel Doors • Advanced Service Doors • Fire-Rated Doors
• Counter Doors • Security Grilles • Aluminum Glass Doors • High Speed Doors
We also carry Overhead Door™ commercial door operators that come with a guarantee of reliable performance.
Overhead Door Company of WaterlooTM, Inc. 800 Commercial St., Waterloo, IA 50702 • Phone 319-233-0471 Mason P. Moore: President
www.ohdcwaterloo.com
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
HOW TO CHOOSE
PAGE 11
THE COURIER
How to Choose Best Health & Income Protection Plan What is the best Health Insurance Plan for me? How much Life Insurance is enough and what kinds do I need? How much money do I need monthly from a Disability Income policy to pay my bills and keep the family going? What is the right monthly amount to put into a Retirement Plan and how should I invest it to plan for a comfortable retirement? If it seems like finding the best use of your money is like a maze these days, it’s likely because of all of the options available to each consumer. Every advertisement promises the biggest and the best and tells you how easy it is to make the right decisions. It’s when you sit down and try to figure out which route to take that you start to get dizzy! The first tip: find an advisor to help you work through each – buying
the cheapest coverage can be your biggest mistake and you won’t know until you need it. HEALTH INSURANCE Which services do I really need? High deductible health plan (HDHP)? Which company has the best network or doctors and hospitals? Can I see specialists or go out of town and still have coverage? An advisor can show you a number of plans with various carriers to get the most out of your health insurance dollar. LIFE INSURANCE “Buy term life and invest the difference” but invest it where? Whole life is a solid, tax-deferred product that also protects your family and, if used properly with term insurance, can be a good tool for life protection AND retirement funds.
Guaranteed term life insurance is an excellent way to protect for your family, mortgage, other loans and college educations with a premium you can plan on for ten, fifteen, twenty or even thirty years. Getting the proper mix is where your advisor can really help. DISABILITY INCOME How much money do I need every month to pay the mortgage, car loan, get groceries – what is the minimum we can get by on if I can’t work? Do I have any of this from my employer? Is the benefit taxable? Does it pay to age 65 or just two years? It’s true that Disability Income is the least sold and most-needed insurance and more homes are lost to disability each year than by fire. Your advisor can work you through that calculation.
RETIREMENT IRA? 401(k)? How much of my wages should I defer? How much does my employer match each month? What tools should I use to decide how much money I will need when I retire? Where do I find the information on how to diversify my retirement money? The best advice is probably that you just need to start saving EVERY MONTH and vow to never touch that money unless it’s an emergency. A solid investment routine into the right retirement funds will go a long way to ensure you have a comfortable retirement. If you are committed, your advisor can help you get there.
Article contributed by The Sinnott Agency
www.sinnottagency.com Dustin Fadiga
Financial Services
Julie Heidt Health Insurance
When you hear The Sinnott Agency your first thought may be Home Insurance or Auto or Business Insurance. But did you know that we also have experts in Health and Financial Services? Call Julie and Dustin and let them help you get organized! They will work with you to find the best coverage at competitive prices with the leading insurance companies. Group & Individual Health Medicare Supplement Prescription Drug Coverage Short Term Major Medical
Group & Individual Life Insurance Disability Income - Group and Individual Estate Planning Long Term Care
401 (k), SEP, Simple IRA Buy - Sell Funding Executive Bonus IRA’s - Traditional and Roth
622 West 4th St Waterloo • 319-233-6103 • www.sinnottagency.com Insurance & Financial Services since 1923
PAGE 12
HOW TO CHOOSE
THE COURIER
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose Hearing Aid There are health issues that commonly accompany hearing loss in older adults including tinnitus, vertigo and even being 3 times more likely to experience a fall — with just mild hearing loss. There is one risk that is so hidden that even some of the best researchers have difficulty coming up with a definitive link between it and hearing loss. That risk is dementia. In a long-term study led by Dr. Frank Lin, Professor of Otolaryngology, Medicine, Mental Health, and Epidemiology at John Hopkins University, Dr. Lin looked at 1,984 older adults and documented the extent of their hearing issues and the association with falls and the onset of dementia. Dr. Lin found that the annual rates of cognitive decline or dementia, were 41 percent greater in older adults with hearing problems than those without. Dementia is a syndrome — usually of a chronic or progressive nature — in which there is deterioration in cognitive function, beyond what might be expected from normal aging. Close to 50 million people are currently
living with dementia and 10 million new cases are diagnosed every year worldwide. With hearing loss, approximately one in three people between the ages of 65 and 74 has detectable hearing loss and nearly half of those older than 75 have reported difficulty hearing. While age related hearing loss is a thing, it is important to understand that dementia is not a normal part of aging. One theory on the link between hearing loss and cognitive decline,explored by Dr. Patricia Tun, Associate Director of the Memory and Cognition Laboratory at Brandeis University, suggests Cognitive Load Theory. Cognitive Load Theory states that our cognitive load refers to the total amount of mental effort burdening our working memory at any given time. Hearing loss, especially when untreated, can radically increase the weight of this load because the individual works much harder to focus attention, shift attention between different speakers, filter, and decode messages- than a person who is either wearing the appropriate hearing aid devices
or a person who is not experiencing hearing loss. With enough severity, the mental labor required to process basic verbal communication can be exhausting and that exhaustion can manifest as a decline in cognition. The mental energy that would otherwise be reserved for higher level cognitive processes and activities begins to consistently be redirected. A second theory combines hearing loss and cognitive decline with a third component. This third component considers how likely a person is to also self-isolate or experience symptoms of depression — due to hearing loss and cognitive decline. In a study conducted by the National Council on Aging on the connection between untreated hearing loss and social behavior, 30% of examined participants who did not use hearing aid devices reported feelings of depression and,as predicted, they also reported being considerably less likely to participate in social activities as a result. Rapidly burning through cognitive resources just to keep up with conversation
can negatively impact self- esteem, energy levels, engagement levels and an individual’s sense of belonging- thus driving them into isolation and for some, into depression. So, what is one way someone might end this vicious cycle? For starters, by getting a hearing screening. Research verifies that treating your hearing loss with hearing aid devices can slow the symptoms of related dementia by up to 75%. Hearing aid devices can also help improve your overall quality of life by restoring confidence and helping with getting you re-engaged and navigating social settings with comfort. If you or a loved one are experiencing issues that you think may be related to your hearing health, visit us at www.iowahearing. com and schedule your complimentary hearing screening today. Article contributed by Concept by Iowa Hearing
Schedule your FREE hearing screening today! 1-800-792-9564
IowaHearing.com
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
HOW TO CHOOSE
THE COURIER
PAGE 13
Bringing talented candidates & local businesses together through current openings & relevant industry news.
[BE THERE AS JOBSEEKERS BEGIN THEIR SEARCH] Digital Advertising Direct Mail Email Marketing Flyers / Inserts Website Development Social & Directory Profile Creation SEO
Audience Targeting Email Marketing Pay Per Click Social Media Management Social Targeting Text Message Solutions Sticky Notes Mobile Advertising
Social Media Job Board Technology Job Distribution Talent Community Network Search Resumes Find Candidates Response Management and much more!
Recruitment Solutions That Work! FOR MORE INFORMATION CONTACT: Kelly Balvanz, Recruitment Advertising Specialist 319-291-1474 or kelly.balvanz@wcfcourier.com
CedarValleyAtWork.com
PAGE 14
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose Hospice Care
Cedar Valley Hospice A Trophy Fit for Winners: A small group of Cedar Valley Hospice employees gathered on a recent morning at its temporary location in the Cedar Falls Industrial Park to mark the winning of the 2020 Gallup Exceptional Workplace Award, held high by Executive Director Michaela Vandersee.
At Cedar Valley Hospice, we understand that opting to receive hospice services for yourself or a loved one can be difficult. Choosing which hospice provider to use can be overwhelming, but it doesn’t have to be. So many emotions can come along with the decision, which is why our mission is so important: To enrich lives with knowledge, respect and compassionate care. Having a mission is one thing, living it is another. At Cedar Valley Hospice, our leaders make sure to create a culture within our organization so employees feel valued. We know that when people feel cared for and respected, they do their work with a stronger motivation, a deeper sense of meaning and a greater level of care. National Award-Winning Organization This philosophy earned its merit when we were recently given the
National 2020 Gallup Exceptional Workplace Award – presented only to organizations that meet rigorous standards of excellence. Applicants must measure up to the most productive and successful organizations in the world. As a winner, we differentiate ourselves by investing in our employees and putting their development at the center of our organization’s strategy. That strategy begins at the top. Our leaders do not settle for just good enough – they challenge the status quo, aiming for a bigger mission, a stronger culture and a more engaged workforce. “Cedar Valley Hospice is a special place to work, and we have a very unique culture that sets us apart from other employers,” said Human Resources Director Katie Unland. “We are in the business of caring for people with terminal illness, and our leadership team understands
that how we treat our employees will directly impact the way our staff provide end-of-life care to others.” Rated at the TOP Our employees also stand behind our culture and environment. With multiple back-to-back Employer of Choice awards, our team is proud to declare they like where they work. Being an employer of choice means that we have created a positive culture and reputation for our organization as a great place to work. Ultimately, this leads to qualified applicants and expert employees providing the very best care. When choosing a hospice provider, why not choose the “Best of the Best”? Not only do we have some of the most qualified staff members, Cedar Valley Hospice has been voted by the community as the Courier’s Best of the Best for its employees and services year after year. From being
rated the No.1 hospice provider in the area to having one of the best programs for youth (grief services), we continue to exceed expectations for those we serve. It’s never too soon to ask how Cedar Valley Hospice can help your family. Our scope of support services stretches far beyond hospice care and has made a significant difference in the lives of so many in the Cedar Valley. Reach out to us anytime to talk about how we might be able to help by calling 319.272.2002 | 800.626.2360 or visit cvhospice.org for more information. Article contributed by Cedar Valley Hospice
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
THE COURIER
– Michaela Vandersee, Executive Director
PAGE 15
PAGE 16
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose In-Home Health Care can provide more simple tasks such as medication reminders and blood sugar monitoring. Always inquire about the medical qualifications of any in-home care providers you are considering. All workers should have the proper training, degrees and certifications. If you are unclear about the exact level of medical care you or a loved one will require, ask your physician for advice.
Kaitlyn, an atHome with Western Home caregiver, takes her Waterloo client's blood pressure.
It may be more important than ever to have help at home during a pandemic. Is it safe to have a caregiver enter your home right now? Infection control practices are a top question right now. Agencies like atHome with Western Home are taking extra precautions to make sure your needs can be met safely. Caregivers wear face masks and face shields or eye protection, and follow infection control procedures. WHY IN-HOME CARE Bringing someone into your home to provide care and companionship for a few hours at a time is typically less expensive than moving to assisted living. Choosing the right organization requires some research. How long have they been in business? Some companies on the market today are for-profit franchises. Others are non-profit mission driven organizations. Ask about the company’s experience and hiring practices. See if they
will provide references from current clients or client family members. Choosing a company that is bonded and insured, plus provides background checks on employees, offers more protection than hiring an individual who advertises their private services as a caregiver. Talk to your loved one's primary care physician to help you understand your choices. The doctor can help you determine the level of care required. This professional may even have referrals to give you. After speaking to several inhome care providers, you can compare the range of services they offer. Typically, they will fall into three categories: NURSING CARE Providers vary greatly in terms of whether they provide any certified nursing care. Some have registered or licensed nurses who can help with chronic condition management. Others provide care with certified nursing assistants who
COMPANION CARE Caregivers can help with daily grooming, mobility and any special diet requirements. They can help prepare meals or run simple errands. You might have them help clean out closets, fold laundry, put away dishes, sort mail and other household tasks. An in-home caregiver also provides a friendly face and good conversation as well as general care. The caregiver might sing along as you play the piano, or vice versa. She or he could read aloud, discuss daily news or play a board game. Quality in-home care providers understand that patients also need mental stimulation and human contact to stay well. Your provider agency should work to make a good match for you; someone you would find enjoyable to have around your home. PERSONAL TECHNOLOGIES A few in-home care providers now offer simple technologies that help keep you safe at home, even when a caregiver can’t be there. New versions of personal emergency response pendants
offer additional support, such as fall detectors, that can automatically call for help when a problem is sensed. Additionally, medication dispensers help patients take their medications as scheduled to keep them healthy. Locally, atHome with Western Home offers these products. They can be used to enhance your schedule with a caregiver. THINGS TO REMEMBER Before entering a contract, understand the services that will be provided. You want to make sure you are getting what you need without paying for services that are not required. You and any family caregivers should be comfortable with the people who work for the company. In-home caregivers will quickly become part of your life, especially as they enter and exit the house. The best in-home care provider is about finding the right combination of services to fit your unique needs and budget. Once you have the right company, your loved one will receive companionship, comfort and cost savings that make in-home care a good choice. For a free assessment to match your needs and budget, call Krista, the home solutions navigator for atHome with Western Home, at 319-277-7779. Article contributed by Western Home Communities
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
THE COURIER
Your loved one can still live at home, with our help. Trust the local, not-for-profit provider that has served older adults for more than a century. Maybe it’s help getting dressed, making meals, running errands, keeping you company. It could be managing medications, monitoring blood pressures or tracking a chronic condition. Or it could simply be peace of mind, knowing you can push a pendant to reach emergency help if something happens. Only one local in-home health provider offers all these options companion care, nursing and simple technologies - to best meet your individual needs. Make one phone call today and learn how atHome with Western Home can meet your needs and budget...helping you live at home.
Call Krista at (319) 277-7779 for a free consultation. www.WesternHomeCommunities.org/athome
PAGE 17
PAGE 18
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose an Insurance Agent
Wayne Tjernagel is the owner and operator of Tjernagel Insurance at 2920 Falls Avenue in Waterloo, Iowa. Wayne has been in the insurance business as an independent agent and insurance agency owner for over 40 years within the Cedar Valley. The office is family
owned and operated and maintains personalized service. You are not a policy number at Tjernagel Insurance, you are a name and face and we welcome you to visit with us concerning all your insurance needs. This foundation was built 100 years ago in September 1920. The first insurance policy for the agency was personally delivered by the original owner, Walt Wobbeking and signed on the back of a tractor. Wayne and Walt worked together to build Wobbeking and Tjernagel Insurance and Tjernagel Insurance continues to serve the Cedar Valley and
surrounding communities and will be there for you for the next 100 years. Article contributed by Tjernagel Insurance
2920 Falls Ave., Waterloo, IA 50701
319-235-6719
The Absolute Best Agency in the Cedar Valley for Homeowners Insurance.
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
THE COURIER
PAGE 19
How to Choose a LASIK Surgeon Should I get LASIK laser eye surgery? This may be a question you have been asking yourself for years. Especially after what feels like a lifetime of dealing with glasses or contacts. If you’re one of the 140 million Americans who have a refractive disorder such as nearsightedness (myopia), farsightedness (hyperopia) or astigmatism, LASIK laser eye surgery may offer you the freedom from glasses and contacts you have been looking for. Wolfe Eye Clinic is here to help and our LASIK specialty teams are here to walk you through the process step-by-step. If you’re wondering, “Where do I start?” The first step is choosing a LASIK provider that you feel confident in and comfortable with. How do I choose a LASIK surgeon? 1. Referrals—Ask your regular eye doctor for a referral to an ophthalmologist they recommend who can perform LASIK eye surgery. If you have family members or friends who have had the procedure, talk to them. In addition, you can find credible LASIK resources by reviewing the listings on professional directories such as the American Academy of Ophthalmology and the American Society of Cataract and
Refractive Surgery. 2. Reputation, experience and education—Find an eye clinic and surgeon who is known for performing successful refractive eye surgeries with a 5% or lower enhancement rate and has experienced, highly trained surgeons on staff. Reputation matters— A clinic with an outstanding reputation is the one you want. Online reviews for clinics may not be as personal of a referral source, but they certainly are another helpful source in your search. Look for fellowship-trained and board-certified surgeons. This means surgeons perform specialized training in addition to the standard required years of schooling needed to practice as a doctor of ophthalmology. It is also important that your surgeon be based in Iowa. Many large-chain LASIK surgeons travel between states. Choosing a local provider helps ensure you can receive post-operative care when you need it from your surgeon. 3. Technology—Advances are always being made in technology, and LASIK is no exception. Make sure your surgeon is experienced in using the latest techniques and equipment, such as blade-free, laser
created flap technology which offers greater control in flap creation for a more precise procedure. For example, the Wavelight EX500 Excimer Laser available at Wolfe Eye Clinic offers the widest treatment approval range ever granted to a laser as well as quicker treatment time reducing the risk of dry eye. Not all providers have or use this technology. 4. Multi-level care—Schedule an initial consultation to meet your surgeon and his or her team and determine if you are a good candidate for LASIK laser eye surgery. It’s important to feel comfortable and confident in your choice prior to scheduling surgery. Your surgeon should be willing to personally educate you about the LASIK procedure and answer any questions you have, including possible complications and post-operative care. The staff at the eye clinic should be friendly, accessible and helpful. Many ophthalmologists will work with your regular eye doctor for follow-up appointments if you prefer and these are most times covered in the cost of the procedure. Be sure to ask those questions if you’d prefer to have follow-ups with your
eye doctor, which may be closer to home. 5. Cost— The cost of eyeglasses and contact lenses can easily add up. LASIK laser eye surgery may offer the ability to invest in your vision. Prices that sound too good to be true, probably are. Make sure to investigate how much the procedure will cost and if there are any additional charges for advanced technology, enhancements, revisions, or post-operative care. LASIK is not covered by insurance so make sure to inquire about health savings account, financing and billing options. Wolfe Eye Clinic LASIK specialists have performed more LASIK in the state of Iowa than any other provider. If you’re interested in finding out if you’re a candidate for LASIK laser eye surgery, give us a call at (833) 474-5855. Your personal LASIK coordinator will help answer your questions and get you set up for a free, no pressure consultation with one of our experienced LASIK specialists. Article contributed by Wolfe Eye Clinic
PAGE 20
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose the right Local Attraction Remember the Ladies: The Path to Suffrage virtual tour is a one of a kind video experience. This video will take you on a tour of some of the physical exhibit, teach you more about Iowa Suffragists, give you a closer look at some of the artifacts, and even more! Please consider purchasing to support this and future exhibitions. Available for $10 at: https:// www.groutmuseumdistrict. org/store/c26/remember-theladies-virtual-tour-/ Rent one of the Grout Museum District's 5 telescopes! Models Available For Rent: Astroscan 2001: $25/week Celestron Nexstar 31142: $30/week - Meade 10” Lightbridge Truss Tube Dobsonian: $40/week - Meade 12” Lightbridge Truss Tube Dobsonian: $40/week - Orion 1/8 Deep Space Dobsonian Reflecting Telescope: $45/week To rent a telescope, please contact Brandon at brandon. ramirez@gmdistrict.org or Is your family looking for a safe; educational place to go and get out of the house? The Grout Museum District has something for everyone! The Grout Museum and Sullivan Brothers Iowa Veterans Museum are open TuesdaySaturday from 10:00 am until 4:00 pm. Masks are required and available at the Museum Store for $1. Guests are asked
to follow social distancing guidelines and maintain a 6 foot distance from others. Science demonstrations are held in the Grout Museum at 11:00 AM, 1:30 PM, and 3:00 PM daily. The Planetarium remains closed temporarily. If you don’t feel comfortable coming in person then we have something for you to! The Grout Museum District’s
Carrsan at carrsan.morrissey@ gmdistrict.org Memberships Membership at the Grout Museum District provides loads of benefits: Unlimited visitation to all GMD museums, discounts in the gift shop, admission to hundreds of museums around the country, and much more! Levels of Membership • Individual Plus - $60 • Family - $90 • Grandparent - $90 • Extended Family & Friends - $150 For further details, call 319-234-6357 or visit gmdistrict.org Article contributed by Grout Museum District
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
THE COURIER
PAGE 21
WE’RE OPEN!
SULLIVAN BROTHERS IOWA VETERANS MUSEUM and the GROUT MUSEUM CURRENT HOURS OF OPERATION: TUES-SAT, 10AM-4PM MASKS ARE REQUIRED ON SITE
PURCHASE A DISCOVERY KIT!
RENT THE SNOWDEN HOUSE!
Prices Start at $30 Each kit includes experiment or craft instructions, materials, and a follow along video. Parental supervision is required.
Rental Cost: $50/Hour, Per Floor New guidelines enforced for staff and guest safety.
Themes include: Kitchen Science, Rock It, Pastimes in Times Past, Bug Out, Space Cadet, Lego Engineer, Dig It and Spy School. Purchase at: GMDISTRICT.ORG/STORE
To check date availabilty and reserve your rental contact Aaron Aarhus at 319.234.6357 or aaron.aarhus@gmdistrict.org. Learn more about Snowden House Rentals at GMDISTRICT.ORG/RENT
LEARN MORE: GMDISTRICT.ORG or call 319.234.6357
PAGE 22
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose a Memory Care Center As cases of Alzheimer’s and dementia have increased, so have the facilities that offer memory care. The rise in prevalence of these diseases has fortunately spurred an increase in alternative and traditional treatment options. If you or a loved one are suffering from Alzheimer’s or dementia, a memory care center is one such option that could prove a major help. These centers may be part of an assisted living center or operate as standalone facilities. Which you choose depends largely on individual circumstances. Here’s a basic primer in what you need to know when considering a memory care facility. Staff The experience and attitude of the staff members is one of the most important considerations. They
should treat all patients with kindness and respect. The center should also provide continuing education to employees to assure that everyone is up to date with the latest in memory loss research and care. Always visit a memory care center before admitting a loved one. Tour the facilities to make sure the building is clean and organized. The atmosphere should be calm and relaxing. Consistency and stability are important to those suffering from memory loss. The center should have a low turnover rate among staff members. No memory care center should rely heavily on part-time workers. Ask about the ratio of staff to residents, as well as the backgrounds of any medical practitioners employed by the center. Your loved one needs personalized care and
attention. It is vital that the center has enough workers on staff to provide quality care for your loved one. Secure, comfortable setting Quality memory care centers will resemble comfortable, inviting homes. They should not look like hospitals. The facility should be clean and sanitary without appearing sterile. A center's cleanliness is an indication of the dedication and price of everyone who works there. Ask questions about the activities offered to residents, how visits are handled and the types of therapies available. Because patients can sometimes forget where they are, it is important to ask how the center protects its residents. What kind of security features do they use? Note your general impressions of
each center you visit. Support Quality memory care centers have support services for residents and families. Symptoms from dementia can range from mild to extreme. The center should be equipped to handle all stages of dementia. The best centers have support groups for residents and family members. You and your loved one should be comfortable with the memory care center you choose. The best facilities can give patients a much needed boost and improve their overall quality of life.
Live Better. Live Well.
Our Memory Care House offers state-of-the-art technology. Including programs that offer special training for each resident living in our Memory Care Facility to help them maintain the highest level of cognitive functioning. Among many of our amenities, you’ll appreciate: 3 private, secure, outdoor areas with covered patio, garden, and green space, 2 resident dining areas, 2 open-concept, family-style great rooms, Private family dining room, Chapel/programming room, Full-service spa and medi-suite, Multiple areas with natural light for sensory stimulation, Open-air concept, and Snoozelan.
7511 University Ave, Cedar Falls, IA 50613
•
www.NewAldaya.org
•
319-268-0401
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
HOW TO CHOOSE
PAGE 23
THE COURIER
How to Choose a Nursing Home Facility There’s no more important step than assisting a loved one who needs ongoing care for medical or mental condition in finding a quality nursing home. Some choose nursing homes to recover after a hospital stay, but most require constant care. A nursing home can provide a comfortable living environment for your loved ones while ensuring that all of their needs are met. As an added bonus, you can rest assured knowing that quality medical care is always nearby to meet any medical emergency that may arise. You can’t put a price on peace of mind. Placing a loved one in such a facility is never easy, but the choices can be made easier by making some basic decisions on what is important — nursing care, meals, physical therapy, a religious connection, hospice care, or special care units for dementia patients? Do you want a place close to family and friends so they can easily visit? These are all important criteria to consider. Here are a few more things to think about if you believe someone you love could benefit from nursing home care.
Visit the facility Take a tour of the potential facility. You should intuitively feel warmth and safety in this environment. Your visit will also provide clues about the general atmosphere and morale of the residents. There should be lots of natural light, cheerful colors, bright wall art and hints of laughter from the staff and patients. Focus on the cleanliness, staffing levels and the appearance of other residents. Is the air fresh and free from unpleasant odors such as urine, feces and stale food? Are there enough nurses and attendants on duty? Are residents appropriately dressed? Do they seem clean and freshly bathed? Bring the prospective resident along for the tour. This facility may become home. Your loved one deserves to have a voice in selecting the facility. Feeling welcomed are cues that this could be a positive living experience. Socializing is important. Are there opportunities for residents to meet each other? Regular activities such as music and crafts or an outdoor area for enjoying the sunshine will enhance quality of life.
Most nursing home facilities are happy to provide a tour of the building. Once you see the environment, ask for a consultation with a staff member. This is an opportunity for you to ask questions and address special needs of the prospective patient. Possible questions might include availability of physical and occupational therapy, accommodation of appointments outside the facility and access to barbers and beauticians for the residents. Talk with others You might have a chance to talk with a relative of a patient who is currently living in the nursing home. Don't be afraid of asking them for honest opinions about the facility. Query them about the staff and quality of care received by the residents. Solicit their input on whether you should place your own loved one in this facility. These relatives are usually eager to share their experiences with you. Hearing their impressions will help ease your own anxieties about this important decision.
Ask the doctor If you are still unsure about your decision, or if you have reservations about the facility, discuss the matter with your loved one's primary care physician. This professional should also be able to recommend good nursing facilities in your area. The doctor may suggest additional facilities not on your original list. When your loved one has special needs, the doctor will know which facility or center can best meet these requirements. Deciding to put a family member or loved one in a nursing facility is never easy. Carefully weigh the expectations of your family member with your impressions and the recommendations of others. This is one of life's most difficult decisions. Taking the time and doing the research will result in a better quality of life for your loved one and peace of mind for yourself.
Live Better. Live Well.
Residential Neighborhoods • The Bryhl Retreat & Assisted Living • Skilled & Memory Care • Outpatient Therapy
Ca ll or Visit ou r we bsite to f i n d out how you ca n joi n ou r Co m mu nity toda y! 7511 University Ave, Cedar Falls, IA 50613
•
www.NewAldaya.org
•
319-268-0401
Retreat at the Bryhl
a
PAGE 24
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose a Realtor Buying or selling a home is a huge task and one you want to make sure you accomplish knowing all the rules, regulations and information. When you are buying or selling a home, it is essential to choose the right real estate agent for your needs. The best agents are energetic, positive and proactive. On the other hand, selecting the wrong agent can cost you lots of time and money. So how do you find the best agent for your situation? Here are some ideas to keep in mind. Real Estate Agent vs. Realtor A real estate agent may or may not be a realtor, but every realtor is required to be a licensed real estate agent. To become a realtor, a real estate agent has to join the National Association of Realtors (NAR). This allows him or her to attend industry meetings, get NAR newsletters, and access software and educational tools. Realtors adhere to a strict code of ethics and have solid knowledge of the real estate
business. These professionals have been trained well, which means they will provide you with the best service. Where to Start Looking Recommendations are one of the best ways to find a qualified real estate agent or realtor. Ask people in your social network for referrals. Sometimes agents are good at helping clients purchase homes, but not as skilled at selling them. Keep that in mind when searching for the right professional. You might also contact local brokers or search the NAR directory online. Always work with credible, responsible agents. Otherwise you are wasting your time. Comfort Level At the initial consultation with a prospective real estate professional, focus on your comfort level while interacting with them. Do you get the feeling they are genuinely concerned about your needs? Or are they focused on their commission? Do they know the current housing market? Can they
negotiate a contract? It is important that you feel comfortable with the agent. You must trust that this person can behave ethically and help you secure a good deal. Communication and Planning Your agent should be an effective communicator. If you are selling your home, your agent should develop an effective marketing plan, explain it to you, and respond to any questions or concerns you have. The marketing plan will probably involve placing advertisements and conducting open houses to invite the public for home viewings. If you are purchasing a home, the agent should listen to your guidelines and price ranges. Above all, your real estate agent needs to provide updates on progress. Do not work with someone who does not return phone calls or emails.
buying and selling a home, conduct some research on your own. Real estate magazines contain good information and can be a great way to start your research. There are also a lot of good resources on the Internet, such as www.Realtor.com, which is associated with NAR and which contains free, useful information. You may find housing statistics, market forecasts and tips, but nothing beats the power of networking. You need to find people with similar interests who will help you in your endeavor. Upon successfully buying or selling your home, keep your real estate agent's contact information on hand. You may want to refer other people to him or her. You may also need their services again someday. Article contributed by The Wapsie Team-Keller Williams
More Resources To get a better idea about the process of
Experience is Key. CHOOSE THE WAPSIE TEAM Real Estate is my career & I love it! After 20 years in banking and moving around Iowa it is very humbling and extremely gratifying to be able to help families and individuals realize their real estate dreams and goals. I began this journey in 2012. Now that we have settled in my home town of Independence, I have focused my business on assisting families in the Cedar Valley. I have been in a buyer’s situation and a seller’s position. On a personal level I have had positive and negative experiences with buying and selling homes. I know what both the buyer and the seller expect. I am both a listing/sellers and buyers agent. My business is based on referrals and introductions vs. just traditional marketing. This allows me to stay focused on my clients and not have to wonder where the next lead will come from. My intent is to create a real estate experience that leaves my clients outrageously happy with the end result – regardless of whether they are buying their first home or selling their last home. By doing this, my clients happily introduce me to their family, friends, and neighbors because they know I will give those they care about best possible service and care. Your real estate market is ever changing – let me help guide you through the emotional and complex process.
Heather Federspiel - Broker (319) 327-4992 heatherfed@kw.com
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
THE COURIER
PAGE 25
How to Choose a Retirement Community Selecting the Best Retirement Community for Your Needs Retirement communities have come a long way since the days of a quiet home on the golf course or beach. Today’s seniors are more active than ever and want to continue to enjoy their passions years into their retirement. Modern retirement communities have become lifestyle communities, not solely about golf and tennis. Celebrities such as Jimmy Buffett — himself a senior citizen — have created “branded” retirement communities that celebrate the fabled “Margaritaville” lifestyle. Other factors may include whether you need living assistance or ready medical care. Of course there’s nothing wrong with finding a quiet place to live around people your own age — that’s really what all of us look for in a community, and it’s no different for seniors. If you’re considering a move to a retirement community — or in search of that lost shaker of salt — here are a few things to consider. Community activities and parking Many seniors enjoy golf, tennis, swimming and walking. Any prospective retirement
community should have easy access to such activities. Other seniors enjoy arts and crafts, board games, dancing and organized activities. Taking part in social events can provide opportunities to make new friends. Research what kinds of social events are organized within the retirement community. Also, find out if the community has ample opportunities for residents to travel to theaters, museums or shopping malls together. Parking is another important factor when choosing a retirement community. Most people enjoy having family and friends visit, so parking is a necessity. When parking is tight, visitors will be less likely to come. Do not overlook its importance. Medical care facilities Retirement communities should be easily accessible to emergency personnel. Know the location of the closest hospitals, doctors, ambulance services and other personnel. You may wish to restrict your search to communities located near your preferred physician or other service providers. Any prospective community should have a
formal emergency plan in place. In addition, check to see if the retirement unit has custom safety features, such as railings in the bathrooms and entranceways. Pet policies Pet policies are another feature to consider when investigating potential retirement communities. Some facilities will allow you to bring your pet to live with you while others will not. So if you have a pet you don't want to leave behind, you may be able to bring it with you. Many communities now recognize the health benefits of having pets. Additionally, a park or nearby dog walking area will benefit you and your animal companion, particularly if your pet requires daily exercise. Taking a walk each day will benefit both of you. Churches, libraries and schools Consider how close the community is to schools, sports facilities, and other sites that produce a large amount of traffic volumes and noise levels. Many people prefer to live in less congested, quiet areas during their later years. Also, think about where the nearest libraries
Living Better Begins Here! Terraces at West Glen is NewAldaya’s newest residential neighborhood located near Cedar Falls’ western border. A ‘55 plus’ neighborhood, a lifestyle option not currently available within our four, unique residential neighborhoods. The Terraces offer a mix of single family, twin and condo style homes.
Contact Kristena for more information! (319) 553-2244
•
kpotratz@newaldaya.org
and churches are located, as well as public transportation. Ask whether the community provides its own transportation for residents. Some facilities have their own fleet of minivans and buses. It is extremely helpful for seniors who no longer drive and need to do some routine personal shopping. Community Current residents will give you a feel for their level of satisfaction with the community. Talk to them about their experiences and seek candid reviews of the amenities and staff. After all, it is important you feel confident that you have selected a retirement community that fits your personal needs and lifestyles. By taking the time to research multiple facilities, you will undoubtedly find a warm, welcoming facility. You will be able to build lasting friendships and gain the support you need to have fun during your retirement.
PAGE 26
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
How to Choose Skilled Care after Surgery/Rehab
Physical therapist Danialle Draeger works with an outpatient client inside the therapy clinic at Jorgensen Plaza on the south campus of Western Home Communities. Skilled care inpatients receive therapy services in their rooms during the pandemic and outpatients are socially distanced.
How to choose skilled nursing for short-term stays
You and your family can take part in setting your health goal.
Elective surgeries to improve your well-being have resumed, and emergencies happen even during a pandemic. After you’ve been hospitalized for surgery, illness or injury, you might qualify for a Medicare-covered skilled stay to help you get back on your feet. In the Cedar Valley, this type of care is provided at skilled nursing facilities (SNFs) by registered nurses, licensed practical nurses, certified nurse assistants (CNAs), physical and occupational therapists, and speech-language pathologists. A short-term skilled care stay helps you get better, function more independently, and learn to take care of your health needs.
Plan a visit If you’re scheduling a surgery for procedures like a joint replacement, an advance tour would be ideal. Since that’s not possible due to COVID-19, you can still do your homework by seeing if virtual tours are offered and calling to inquire about the services you would receive. Questions to ask • What are your infection control protocols during COVID-19? • Do your caregivers always wear personal protective equipment? • Will I have a private bedroom and my own bathroom? • Do I get to choose any of my meals?
• Will I get therapy every day? • How do the therapists practice infection control? • What are your outcomes? Look for low rehospitalization rates, signifying that patients stayed healthy after returning home; and higher rates of physical ability upon discharge, an indicator that therapy helped the patient improve. More like a hotel than a hospital Western Home Communities offers skilled care at The Deery Suites, unique among SNFs because it follows the household model of care, stripping away anything institutional in favor of creating home. Each of the 20 residents per floor has a spacious private bedroom with large private bathroom and walk-in
shower, to ensure privacy and dignity – plus enhanced infection control, more important than ever right now. During the pandemic, Western Home Communities has had two employees working nearly full-time on procurement of personal protective equipment (PPE). Therapists are working with individuals in their rooms instead of transporting them to the therapy clinic to reduce any exposure risk. All employees are screened for symptoms and exposure to COVID-19 when arriving to work and also again when leaving their shift. Those who don’t pass the screening cannot work until their condition improves or a test for COVID-19 is negative. Additionally, The Deery Suites offers hotel-like amenities in the attached Jorgensen Plaza for Well-Being, designed for resident and visitor enjoyment. Amenities include Salon Iris, an Aveda concept salon offering hair care, massage therapy, facials, manicures and pedicures; The Market, stocked with unique gifts and delicious grab-and-go deli items; Caraway Café, open for lunch on weekdays from 11 a.m. – 2 p.m.; and Gilmore’s Pub, offering beer, wine, cocktails and pub fare from 11 a.m. – 8 p.m. Monday through Saturday. Restaurant staff is masked at all times, separating tables for social distancing, and practicing enhanced disinfecting between patrons. To inquire about a short-term skilled care stay at The Deery Suites, call 319-277-2141 and ask for Karla, Wendy or Bryan, who can assist you with tour and admissions information. Article contributed by Western Home Communities
SUNDAY, AUGUST 2, 2020
www.wcfcourier.com
HOW TO CHOOSE
THE COURIER
PAGE 27
Getting back to the
The Deery Suites at Western Home starts at Communities.
good life The Deery Suites es after you’ve had a surgery, injury or illness. All private bathrooms and showers
Private spacious suites for rest - no shared rooms
On-going and thorough education on best practices in PPE usage
A therapy team dedicated to Western Home
Scheduling a surgery? Call Karla or Wendy in admissions to pre-book your stay in The Deery Suites. (319) 277-2141
Infection control starts with all private rooms and showers, an in-house therapy team that works only at Western Home, and a nursing team focused on a small group of patients. The Deery Suites is still the best place for you to recover.
www.WesternHomeCommunities.org/suites
PAGE 28
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
AMPLIfY YOuR BRAND The right mix of digital marketing products can help turn your business into a brand.
TARGETED DISPLAY SEARCH MARKETING SOCIAL MEDIA WEB DESIGN & DEVELOPMENT EMAIL MARKETING CREATIVE & STRATEGY
adiowa.com
SUNDAY, AUGUST 2, 2020
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
THE COURIER
PAGE 29
How to Choose a Travel Agent There are any number of ways to explore the vast regions of Alaska and the journey can be half the fun. Depending on how much time you have and what you’d like to see and do, cruise ships, boats, trains, planes or a round-trip adventure along the 1,400-mile Alcan Highway -- or any combination of them -- may be part of the adventure.
Travel Professional:
AAA’s travel professionals have extensive experience in planning dream vacations to Alaska. And they can help navigate the uncertainties created by the everchanging requirements related to the Coronavirus. Consider these benefits of working with a AAA
• AAA Relationships Work For You: AAA only partners with top-rated, reputable travel companies who offer the latest cruise and tour choices and the most up-to-date pricing, special amenities and values not found anywhere else in the marketplace.
• One-On-One Expert Guidance: Your AAA Travel Professional is genuinely interested in you and your vacation and gives you the personal attention a website cannot provide. So relax, AAA will take care of you before, during, and after your trip.
• We’ve Been There, Done That: AAA Travel Professionals are experienced and welltraveled, and can offer you advice for your trip often based on their personal, first-hand knowledge. • Savings & Exceptional Value: Your AAA Travel Professional will work to secure the best rate within your budget. Plus you’ll receive exclusive amenities which are only available at AAA.
luggage discounts and more. To explore Alaska travel options with a AAA Travel Professional. Contact: AAA – The Auto Club Group 3366 Kimball Avenue Waterloo IA 50702 319-236-3620
• You get even more at AAA! AAA members receive materials and resources such as maps, Tourbooks, passport photos, International Driving Permits,
AAA Travel invites you to
DISCOVER ALASKA Cruise Prince WIlliam Sound, fly over Mount McKinley or try your hand at dogsledding – a customized adventure awaits you. Plus, learn about exclusive AAA Member Benefits that add value to your trip and you won’t find or get anywhere else.
AAA – The Auto Club Group 3366 Kimball Avenue, Waterloo IA 50702 For additional information, please call 319-236-3620 to speak to our AAA Travel Consultant BR-0748E
Article contributed by AAA Travel
PAGE 30
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
Always here to serve you! “Has done a lot of work for me. Always very professionally done
and Excellent work. And always clean up after themselves!” Judy, Waterloo, IA.
When it’s time to call the professionals, call the team homeowners have trusted since 1995.
“They were very professional, prompt, and knowledgeable regarding the work we needed at my shop. I would recommend his company to anyone.” Cory’s Painting LLC, Cedar Falls, IA.
3008 S Hudson Rd Cedar Falls, IA 50613 Phone: (319)232-6373 │ https://henningerelectric.com/
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
THE COURIER
Check out our interactive gallery See all our Niche publications at: WCFCourier.com bookshelf
HOME & weddings GARDEN wcfcourier.com/weddings
A publication of Courier Communications
CEDAR VALLEY
Fall 2019
I O W A' S P R E M I E R H O M E M A G A Z I N E
Reception hall directory
Color
Happily
ever after
trends British invasion Escape to the home show
EXPLORE
stunning new and remodeled home projects by the area’s fine builders and interior designers
2020 VISION
Comfort food classics, cherry chip cake & late-night snack hacks
Fall 2019 cvgalleryofhomes.com A PRODUCT OF IOWA’S PREMIERE HOME MAGAZINE, CV HOME & GARDEN XXXXXXXXXXXXXX
18
INSIDER TIPS FOR STRESS-FREE DAY
XXXXXXXXXXXXXX
XXXXXXXXXXXXXXXX SUNDAY, AUGUST 25, 2019 2019 1
SPRING 2020 | CV-HG.COM
Gowns to love, color trends to watch
XXXXXXXXXXXXXXXX THURSDAY, SEPTEMBER 26, 2019 1
InclUSion CELEBRATING DIVERSITY IN THE CEDAR VALLEY
Spotlighting the 2019 Courier
WINNERS SPRING | SUMMER 2019
November 2019
cvbusinessmonthly.com
XXXXXXXXXXXXXX
XXXXXXXXXXXXXXXX FRIDAY, MARCH 29, 2019 1
For more information contact: Sheila Kerns 319-291-1448 or sheila.kerns@wcfcourier.com
PAGE 31
PAGE 32
THE COURIER
HOW TO CHOOSE
www.wcfcourier.com
SUNDAY, AUGUST 2, 2020
