FALL ISSUE 2015
A Special Supplement to
living
Top 5 vacations Where there’s a will ... in and around Iowa By KELSEY HAUGEN
CNA staff reporter khaugen@crestonnews.com
Retirement presents the perfect opportunity for seniors to jump in the car and get of town for a day, a weekend or a full week with their spouse, friends or family
to explore what the Midwest has to offer. With that in mind, the News Advertiser met with three Creston couples – Rex and Mary Shough, Betty and Dean Wallace and Theola and Doug Bullock – who travel often to help us select the top 5 places in and near Iowa you could visit this fall.
1 Le Claire to Dubuque riverboat cruise Contributed photo by Twilight Riverboat
Take an all-inclusive, two-day Twilight Riverboat Mississippi River cruise from Le Claire to Dubuque this fall.
Mileage: 246.5 miles from Creston Driving distance: about 3 hours, 45 minutes from Creston More info: www.riverboattwilight.com or 800-331-1467 Reasons to visit: The Twilight Riverboat two-day Mississippi River cruise is perfect for a relaxing weekend away this fall, Theola Bullock said. On the first day, the boat leaves Le Claire at 8:15 a.m. and floats 166 miles down the river to Dubuque, arriving at the Riverfront Grand Harbor Resort at 7 p.m. On the second day, the boat departs from
More than half of Americans ages 55-64 don’t have a will. Here’s how you can join the other half. ■
Dubuque at 11:30 a.m. and arrives in Le Claire at 7 p.m. The cruise includes meals, lodging, entertainment, entry to the National Mississippi River Museum and use of the Dubuque shuttle. If you want to make it a longer trip, head to Le Claire two days before the cruise and visit the Mississippi River Distilling Company, American Pickers’ Antique Archaeology and Buffalo Bill Museum. Act fast because the cruise only runs through Nov. 1. Please see VACATIONS, Page 2
By IAN RICHARDSON
CNA staff reporter irichardson@crestonnews.com
When Travis and Ethel Morgan finished their wills and accompanying documents in June, it wasn’t for themselves. It was for their six-year-old daughter, Sadie. Travis, 40, a production shift manager at CHS, and Ethel, 35, a legal assistant for the James Law Office in Creston, wanted to make sure she was in good hands should anything happen to them. “If one of us or both of us passed away – can you imagine that kid will have lost both the parents and have all of these legal things?” Ethel said. When it comes to drafting a will, Travis and Ethel are in the minority. According to a 2015 survey by online legal technology company Rocket Lawyer, seven in 10 Americans aged 45 to 54 don’t have a will. According to the same survey, more than half of Americans aged 55 to 64 still haven’t drafted one. Why? Local attorney Marion James, who’s been in the business for more than 40 years, said people may procrastinate on their wills because of family dynamics, the expense involved or simple apathy. Most likely, he said, it’s a combination. James said many people come to him to start a will James when outside circumstances make them think about what might happen when they die.
“More often than not, people come because they’re going to be gone on vacation and away from home for awhile,” James said. “That, for whatever reason, causes people to start thinking and deciding that they want to have their house in order before they’re gone just in case something happens.” But waiting can result in lots of hassle for loved ones if a will isn’t in place.
Why make a will? When someone dies without a will, the passing on of property is known as “intestate succession.” Under Iowa law, all distributable property will go to the surviving spouse. If the spouse is not alive, property goes to the surviving children, then down to the grandchildren, then, depending on who has survived the deceased, other relatives. For blended families with a surviving spouse, the spouse receives at least one-half of assets before they are passed on to other Please see WILL, Page 3
Page 2c— Creston News Advertiser — Wednesday, September 23, 2015
VACATIONS: Continued from Page 1
2 Sioux Falls, S.D.
Mileage: 272 miles from Creston Driving distance: about 4 hours from Creston More info: www.visitsiouxfalls.com Reasons to visit: Rex and Mary Shough recommend visiting the beautiful Falls Park in Sioux Falls, and if you’re willing to travel a few more hours, Bear Country USA in Rapid City, S.D. Falls Park covers 123 acres, and an average of 7,400 gallons of water drop 100 feet over the course of the Falls every second.
Contributed photo
Take a weekend trip to visit the beautiful waterfalls and other landmarks in Sioux Falls, S.D.
3 Omaha, Neb.
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Falls Park can take up most of a day, as there’s lots to see: the Big Sioux River, Queen Bee Mill, Seney Island, River Greenway and more. While at the park, stop in Falls Overlook Cafe for ice cream. Another day in Sioux Falls could mean visiting the Mary Jo Wegner Arboretum , U.S.S. South Dakota Battleship Memorial or Strawbale Winery. For supper, try out Spezia or Minerva’s.
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Rehab to Home
Contributed photo
If you visit Omaha, Neb., take a look around the historic Joslyn Castle and its beautiful gardens.
Mileage: 102 miles from Creston Driving distance: about 2 hours from Creston More info: www.visitomaha.com Reasons to visit: If you want to get away for a weekend without driving too far, Betty and Dean Wallace suggest Omaha. Book a hotel in the Old Market – a historic downtown district featuring unique restaurants, upscale bars and vintage shops. Try the locally-owned V. Mertz for supper, stop in the Old Market Candy Shop, then take an evening carriage ride through the brick-
road district. Just five minutes outside of Old Market, the Wallaces recommend taking a walk on the Bob Kerrey Pedestrian Bridge over the Missouri River. Betty said another must-see is the beautiful, historic Joslyn Castle, which is a 9-minute drive from Old Market. Other attractions in the area include Malcolm X’s birthsite, Omaha’s Henry Doorly Zoo and Aquarium and Gerald R. Ford Conservation Center. Please see VACATIONS, Page 7
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Creston News Advertiser — Wednesday, September 23, 2015 — Page 3c
WILL: Continued from Page 1
children or relatives. However, these arbitrary rules aren’t necessarily what everyone wants. James recommends everyone draft a will so the government isn’t the administrator of his or her estate. This especially goes for people who have certain assets, like farmland, that they want to direct to certain heirs. It’s something that can save a lot of hassle later on. With that in mind, here are a few tips to get you started on drafting yours:
Estate planning: how to prepare your Facebook account In recent years, the digital revolution has expanded estate planning into the realm of cyberspace. For example, have you ever wondered what happens to your Facebook profile when you pass away? It turns out Facebook has a few options for this, some of which you can set right now, without even giving anyone your password. 1. Memorialization: Family members or friends can request a deceased person’s account be memorialized, which means it is no longer viewable to anyone but friends and family, who can write on his or her wall like a memorial. To
do this, family or friends fill out an online form providing proof of a Facebook account holder’s death (usually a link to an obituary or other documentation). Friends and family of those whose accounts are memorialized can request Facebook to create a “Look Back” video to preserve Facebook memories. 2. Deactivation: Users can also set an option to have their personal accounts deactivated when they die. To do this, go to the top right corner on your Facebook page and click the down arrow. Select “Settings” and then “Security.” Click “Legacy Contact” and follow the on-screen instructions. Family members can also request the
profile be deleted by using the memorialization request form in option 1. 3. Legacy contact: Users also have the option to designate a “legacy contact,” a person who will be given care of their page upon death. A legacy contact will have the power to make a handful of alterations to the account, such as changing the deceased’s profile and cover photos, writing a pinned post to the timeline and accepting friend requests from friends and family who weren’t formerly connected on Facebook. To set this preference, follow the same steps as option 2. You will be able to select one of your Facebook friends to be your legacy contact.
down and working on it. The mean forgetting about it. Ma- life, your assets grow, your Step one: Find an ed with having James walk savings accounts • certificates of deposit or only thing that helped them jor life events like marriages, properties grow, your 401ks them through the process attorney Coming to an attorney, James said, is the recommended first step in planning the succession of an estate. That’s because in his experience, online wills may not comply with Iowa requirements, and “do-it-yourself” wills often don’t succeed. “I’ve seen one handwritten will in my career that passes that test,” James said. “It’s not a good idea to try to do that yourself because writing a will up and having it executed, being signed and witnessed, must be done in a very specific way. Otherwise, courts won’t recognize and then your objective will not be fulfilled.” James’s rates begin at $225 for a single person’s simple will. Couples can do simple wills for $400 to $450. Adding items like a living will and power of attorney add to the cost. However, Travis and Ethel said the cost associat-
was worth it since it avoided after-death lawyer fees, which would have been much more. “Lawyer fees are more expensive than having to pay less than $1,000 to will draft it (a will) and get it all settled,” Ethel said. “It’s definitely going to be worth it in the long run.”
Step two: Organize Step three: Set a your documents deadline When James meets with clients for the first time, he has them provide several documents to gain the big picture of their assets. That’s because planning succession is about more than simply writing up a will, he said. Requested documents include: • a copy of last year’s income tax returns • a list of all checking accounts and the people authorized to make withdrawals • the passbooks or other evidence of ownership for all “Friends You Can Depend On”
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Ethel said when she and Travis were putting together their will, often they would go for weeks without sitting
finish was that they wanted to have it complete before Travis had an outpatient surgery this June. Both Travis and Ethel said if it hadn’t been for that deadline, they’d still be talking about it. James said normally people meet two to three times with him to finish everything. Not procrastinating the tasks needed to complete the process will help things flow faster.
Making a will doesn’t
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grow,” Travis said. “You might as well invest in keeping those safe and make sure the ones you’re leaving it for are going to have it.”
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Page 4c— Creston News Advertiser — Wednesday, September 23, 2015
5 ways grandparents can stay in touch with friends and family anywhere (BPT) - These days, it’s not uncommon for family members to live in different cities, states or even across the country. If your family lives far away, the distance can make it difficult to connect, especially with grandkids. While you may be spread far and wide, thankfully there are a number of effective ways to keep in touch with the ones you love. Here are five things you can do to stay connected with your children and grandchildren, no matter where you are. * Face to face from place to place. If you have a computer and a webcam, you can either video chat and/ or video message. There are a number of free services that allow you to virtually connect with your friends and family face to face, from anywhere. Check to make sure your computer and your family’s computers have this capability, and then put it to use. It’s an amazing feeling to be able to say hello and see everyone’s smiling faces digitally, if you can’t do it in person! * Stay in touch on the go. When it comes to connecting with loved ones near or far, you need reliable, affordable cell service. Relish in those special family moments with TracFone. With plans on America’s two largest and most dependable networks, TracFone gives grandparents, families and friends an affordable way to stay in touch through photos, videos, texts, email, social media and of course, a phone call. Stay connected with great, easy-to-use phones like the Alcatel Pop ICON smartphone or, thanks to TracFone’s new Bring Your Own
Phone program, you can keep your compatible or unlocked smartphone and enjoy blazing fast 4G LTE speeds on low-cost plans all without a contract. * Get social with your media. Social media isn’t just for the younger generation. Grandparents
across the country are using sites like Facebook and Instagram to connect with friends and family that live far away. The best part is your grandkids are more than likely already using these platforms, so it’s easy for them to connect with you. Aside from com-
munication, these channels are also a great way to stay up to speed on everything your loved ones are up to, so log on and start sharing. * Write a letter. Although it’s great to hear your grandkids’ voices on a phone call or see them on video chat, there’s still something special and heartfelt about snail mail. Unlike emails that can get deleted, many people keep letters for years on end. Write your grandchildren a heartfelt letter and send it their way - show them that it can be fun to have a pen pal! Chances are they’ll cherish it, and may even send one back. * Celebrate those special days. You already see or speak with your family during birthdays
or holidays, so find other moments in time to keep communication going. Try calling your kids and grandkids on the anniversary of a special trip, or setting up a weekly phone call to hear more about a big event in their life and provide updates of your own. Also find unique holidays to get in touch. What better way to celebrate your day than spending it talking with the ones you
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Environmental considerations can help prevent falls Falls are the leading cause of injury among older adults. Here are some tips on how to prevent them. ■
According to the Centers for Disease Control, one in three adults age 65 or older falls each year. Among older adults, falls are the leading cause of injury, both fatal and nonfatal. Approximately 2.5 million people were treated for falls in 2013, with more than 700,000 of these folks requiring hospitalization. Medical costs for falls in 2013 were approximately $34 billion.
Falls can be life-changing. Even simple falls can limit your ability to get around and maintain your independence. Often, folks who have fallen develop a fear of falling, which then limits their activities and mobility. This in turn can actually increase their risk for more falls. Falls can lead to lacerations, head trauma — including traumatic brain injuries — and broken bones, which do not always heal properly and are more likely to break in the future. Among older adults, the most commonly fractured bones are the spine, hip, forearm, leg, ankle, pelvis, upper arm and hand. So what can you do to prevent
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falls? Below are some environmental considerations and tips for reducing the risk for falling: Environmental fall prevention checklist: • Maintain a clear pathway to get around in your home. • Remove throw rugs. They are trip hazards. • Remove objects off of the floor (towels, boxes, blankets, magazines, etc.). • Be sure all wires and cords
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are next to the wall so you don’t trip over them. • Keep items on shelves and in the closet within your reach. • Avoid using stepping stools. • Consider using a bath seat or bench for safety in the shower and have grab bars in place. • Keep a night light on. • Be aware of your surroundings and watch where you step. Take Action • Exercise regularly: Exercise can help improve your balance, strength and flexibility. Join a senior fitness class! • Bicycling: If you are unable to use a traditional bicycle, a stationary bike is a great alternative!
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• Have your physician review your medication. Some meds can interact or can cause dizziness. • Have your vision checked annually. Poor vision can increase your risk of falling. • Change positions slowly. Sudden position changes can cause a drop in blood pressure. • Wear shoes or slippers with a grip inside and outside your home; Avoid going barefoot or in just socks. • Use your ambulatory devices, like a walker or cane, consistently for balance if they are needed. • Consider an emergency response pendant and wear it at all times.
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Page 6c— Creston News Advertiser — Wednesday, September 23, 2015
Budgeting tips to keep your golden years golden (BPT) - You’ve earned your retirement, and while it’s a chance to relax and relish in your deserved time off, it’s still important to keep track of your finances, savings and budget. With that in mind, here are five ways you can maintain a healthy budget and enjoy your dream retirement. * Understand your expenses. Your life as a retiree is different now than it was during your employed years. Gone are the dayto-day working responsibilities; and here to stay is more free-time to explore hobbies and spend with friends and family. To learn how much money you’ll need for your new lifestyle, it’s a good idea to create a budget. Record all expenditures month-tomonth, and assess where to add on or cut back. Make note of large expenses (trips or big purchases), but don’t disregard them as one-offs. It’s often a good idea to anticipate and save for the next big purchase. * Discover cost-cutting options. Whether in your home or out and about, it’s important to stay connected. However, standard cellphone plans can be expensive and often cause you to pay for services you’ll never use. TracFone offers a more cost-effective alternative by offering you reliable service on the nation’s largest and most dependable network without any contracts or hidden fees. And, for retirees who are on-the-go, TracFone’s StaySafe No-Contract Mobile Bonus pack can ensure you’re keeping the lines of communication open and that assistance –
straining, but you don’t want to deny yourself the simple luxuries in your retirement. There’s no need to tighten the belt, but everyone can benefit from moderation. Instead of taking trips every year, plan for every other year. If eating out is your ideal treat, cut back to once a week as opposed to multiple nights out. Exercising moderation will help you manage your money and make those moments when you do indulge even more savory. * Control your debt. Don’t throw your years of if you should need it – is just a call away. Sold at Kroger, the plan includes a TracFone Big Easy Flip phone that makes dialing easy, 800 minutes, a year of service, a hands-free headset and a car and wall charger, and costs only $79.99 vs. a retail value
of $149.99. To learn more about the cost-saving options available from TracFone, including the StaySafe bundle pack, visit www.TFStaySafe.com. * Stay healthy. Medical bills can get expensive very quickly, so maintaining good health is essential
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Creston News Advertiser — Wednesday, September 23, 2015 — Page 7c
VACATIONS: Continued from Page 2
4 Waterloo
Mileage: 197 miles Driving distance: about 3 hours More info: www.travelwaterloo.com Reasons to visit: If you enjoy war history and art, the Shoughs suggest a trip to Waterloo to visit the Grout Museum District and Galleria de Paco. Within the district is the Sullivan Brothers Iowa Veterans Museum, which honors the service of all Iowa veterans from the Civil War to present. The museum is named after the five Sullivan brothers of Waterloo who died together in World War II. Galleria de Paco, which the Shoughs described as “unbelievable,” is a restaurant owned by a Bosnian family. The owners’ son, artist Paco Rosic, recreated Michelangelo’s work in the Sistine Chapel on the walls and ceiling of the restaurant. Other attractions in the area are the John Deere Tractor & Engine Museum, Cedar Valley Arboretum and
5 Boone Contributed photo by Boone and Scenic Valley Railroad
Spend a day in Boone riding in a 1920s or 1950s passenger car at the Boone and Scenic Valley Railroad.
Mileage: 91.5 miles Driving distance: about 1 hour, 45 minutes from Creston Contributed photo More info: www.booneiowa.us If you spend a day or weekend in Waterloo, Reasons to visit: For a simple day-trip, Theola visit Galleria de Paco, a Bosnian fami- said one place that is “really neat and scenic ly’s restaurant that is painted similarly to in the fall” is the Boone and Scenic Valley Michelangelo’s work in the Sistine Chapel. Railroad. Travel from Boone to the coal-minBotanic Gardens and Matchstick Marvels ing town of Fraser in a 1920s coach car and in Gladbrook (about 45 minutes from Wa- see landmarks and beautiful scenery, includterloo). ing the 11th Street Station, Bass Point Creek
High Bridge and Power Plant at Fraser. If you choose to take one of the dinner trains, you will ride in a 1950s car and see additional sites: Fraser Hill and “I” Avenue Overpass. If you don’t eat on the train, try Jimmy’s Barbecue Pit or The Colorado Grill. Other attractions in the area include the zipline at Sunstream Retreat Center in Ogden (15 minutes outside Boone), floating on the Des Moines River, Snus Hill Winery and shopping in Boone’s downtown specialty stores.
Page 8c— Creston News Advertiser — Wednesday, September 23, 2015
Meet the travelers
Contributed photo
Pictured left are Betty and Dean Wallace at the Great Smoky Mountains Railroad in North Carolina in 2013.
■ The Bullocks, Wallaces and Shoughs helped select vacation locations for the cover story. Here they are on some vacations of their own.
Contributed photo
Pictured above are Theola and Doug Bullock on vacation in Sedona, Ariz.
Contributed photo
Pictured above are Rex and Mary Shough at the Battleship USS Iowa museum in Los Angeles in 2012.
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