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"Cargill Day"
For the 1 lth year in a row, Cargill,
Inc. will hold its annual Cargill Day
during "Soybean Week in Iowa." This
year's date is Wednesday, July 14th.
On that day, Cargill will donate to the
Iowa Soybean Association (ISA) one
cent per bushel for every bushel of
soybeans that crosses its scales at any
of its five Iowa plants located in Sioux
City, Iowa Falls, Des Moines, and two
in Cedar Rapids. Cargill Day is part of
ISA's ongoing corporate relations pro-
gram, which supports ISA programs
and activities.
The event is one of many activities
planned during the week of July 11 -17,
1999, a week proclaimed by Gay.
Thomas J. Vilsack as "Soybean Week
in Iowa." For more information on
'Cargill Day 1999, or any of the other
Soybean Week activities, contact the
Iowa Soybean Association at (515)
251 - 8640.
Available Online At State Fair
Website For First Time
"KNOCK YOURSELF OUT"
AND SAVE $2 ON DISCOUNT
GATE TICKETS
Get a jump on summer fun and big
savings on 1999 Iowa State Fair gate
admission. Fairgoers who purchase
tickets by August 11 'will save $2 off
the price of both adult and children's
gate admission. Plus, new this year,
discount tickets can be purchased on-
line at www.iowastatefair.org. The Fair
runs Aug. 12-22.
Regular $7 adult admission tickets
cost only $5 each when purchased by
Aug. 11 ; $4 tickets for children age 6-
11 cost only $2 in advance. Tickets go
on sate approximately July 1 at partici-
pating Hy-Vee Food Stores and Drug
Towns statewide, Dahl's Food Marts,
Fareway Stores statewide and the iowa
State Fair Ticket Office. Tickets are
good any one day. Children five and
under are admitted free to the Fair
every day.
To order tickets by mail, write Iowa
State Fair Ticket Office, Statehouse,
400 East 14th Street, Des Moines, IA
50319. Include check or money order,
please do not send cash. Visa and
Mastercard purchases are also ac-
cepted; simply provide card number
and expiration date. Sorry, no fax or
phone orders accepted.
For more information call the Fair's
toll-free Hotline, 800-545-FAIR, or
check out www.iowastatefair.org.
Legal Facts From The legal
Hotline For Older Iowans
Telephone Slamming -
Protections and Remedies
Telephone slamming occurs when a
telephone company changes your tele-
phone service without your consent.
Slamming is illegal, and you can pro-
tect yourself from being slammed by
following a few tips.
Know the names of your local and
long distance telephone companies.
Read your monthly bills carefully and
check for different carrier names. If
your bill looks different or unusual, or
your charges are significantly higher,
call your local telephone company.
If you get any sweepstakes entries or
checks in the mail, read all print care-
fully before accepting the check or
entering the sweepstakes. These docu-
ments often authorize a change in your
telephone service. Look for language
that indicates a change in telephone
service. If you have questions about the
entry or check, call the telephone com-
pany who sent it and ask questions.
need an
for this,
You'll get the service,
rates, coverages and
discounts you need in
auto insurance from your
FarMutual agent who
represents Grinnell
Mutual. See us today and
compare.
"You know we work for you."
Grinnell, IA .50112
represented'by FarMutual agents
SEE . . .
FARMERS MUTUAL
INSURANCE ASS'N
L. L. Etler, President
Moville, iowa- Ph. 873-3455
• . . fur a future with security
Ill •
ii you get a solicitation call tiara a
telephone company, listen carefully to
what they are offering. Ask whether
you can switch back to your old tele-
phone company without charge if you
are not satisfied with the new service. If
you are not sure about whether you
want to change companies, do not feel
pressured into a decision. Be wary of
telemarketers who claim that they are
from your local or long distance carrier
and tell you that they are calling to get
your approval to put all charges in one
"handy" bill. Also be cautious if a
telemarketer claims to need "verifica-
tion" that they spoke with you and asks
for information like your address and
birth date. You can also ask the tele-
phone solicitors to put you on their "do
not call" list to prevent future calls
from that company.
The best way to prevent having your
telephone service switched without
your permission is to tell your local
telephone company that you want a
"Preferred Carrier Freeze" on your long
distance service. That means that any
change in your service will have to be
specifically okayed by you, and that a
telemarketer cannot tell your carrier
that you approved the change.
If you have been slammed, you can
try to resolve the problem by taking the
following steps. First, call your old
telephone company, explain that you
have been slammed and ask that they
switch you back. There should be no
charge to switch back. Second, contact
the company that slammed you. Tell
them you did not agree to switch to that
company and ask to see proof that you
switched phone companies. Third, if
your phone bill is higher because you
got slammed, you only have to pay the
amount that you would have paid to
your old company for the same service.
Tell the company that slammed you to
take the excess charge off your bill.
If you are unable to resolve your
complaint by following the above, you
can contact the Attorney General's
Consumer Protection Division, Hoover
Building, Des Moines, IA 50319 or call
(515) 281-5926. After July 1, 1999 you
can also contact the iowa Utility Board
by calling (515)281-3839 or (877)
565-4550 or by writing 300 East Maple
Street, Des Moines, IA 50319. Recent
changes in the law grant additional
powers to both the lowa Utilities
Commission and the Consumer Protec-
tion Division of the Attorney General's
office. The new law also sets forth
penalues against persons who commit
an unlawful practice and gives con-
sumers additional remedies to pursue.
If you have any questions about slam-
ming, please call the Legal Hotline for
Older lowans at 800-992-8161.
This information is provided by the
Legal Hotline for Older Iowans
1-800-992-8161, a project of the Legal
Services Corporation of Iowa that is
partially funded by the U.S. Admini-
stration on Aging. The Hotline is a free,
confidential service for all lowans 60
and older with questions on non-
criminal legal matters.
Social Security News
Early Retirement Can Affect Your
Social Security Benefits
By Doug Keane Social Security
Manager Sioux City
Retirement in the age 50's bracket has
become increasingly popular in recent
years. Some early retirements are the
result of company downsizing. Some
hazardous jobs, such as police or fire-
men, may require retirement in the 50's.
Whatever the reason for leaving the
worklbrce before Social Security be-
comes payable at age 62, it can affect
the amount of your Social Security
retirement benefits.
Social Security benefits are based on
your earnings averaged over 35 years
of your working lifetime. First. we
adjust your actual earnings for infla-
tion. Then we calculate your average
monthly adjusted earnings during the
35 years in which you earned the most.
The replacement rate on your
pre-retirement earnings varies. Those
with low earnings get a higher percent-
age and those with high earnings a
lower percentage, with an average re-
placement of about 42%.
Sometimes people ask, "Will I be pe-
nalized if I retire early?" No, you won't
be penalized, but, because we're look-
ing at your highest 35 years, you'll have
less opportunity to replace years of
THE MOVILLE RECORD -
lower earnings with years of higher
earnings. This could reduce the amount
of your monthly benefits.
Unfortunately, some people also think
that once they have earned 40 credits /
quarters of coverage, they are then
eligible for the maximum Social Secu-
rity benefit. Not true. Earning 40 cred-
its makes you eligible for retirement
benefits at a certain age; it has nothing
to do with the amount of your benefits.
For more information, call or visit
your Social Security office at 3555
Southern Hills Drive or call our
Happy Go (de n I
Birthday \ I /
l
Maa son
toll-free number,
ask for this factsheet,
How Your
ured. The factsheet
our website,
IIa
NURSING & REHAB CENTER
Highway 20 East, Correctionville, Ia
712-372-4466 Troy Anderson, Administrator
i,~, • Medicare Skilled Facility
~.i~:i. ,.:'~ • Friendly, Caring Stall"
a~ • Rural setting with small town car(:
• Beautifhlly remodeled facility
I ~.p~'l I-I , • I;; ;11 II | ['__---------__r.-i '1 I[~.i /
Wed., 7/7 .................. 2:00 Bingo with Anthon UMV
.................................. 7:00 Church of Christ Youth
Thurs., 7/8 ............... 2:00 Bible Study with Alice Volkert
Fri., 7/9 .................... 2:00 Birthday Celebration with Washta UMW
Sat., 7/10 .................. 2:00 Paper Game
.................................. 7:00 Lawrence Welk
Sun., 7/11 ................ 1:30 Worship with S. Meier Salem l,uthcran Chtmh. CMIIe
.................................. 7:00 Movie Night
Man., 7/12 ............... 2:00 Dominoes with Nora
.................................. 3:00 Snack Attack
Tues., 7/13 ............... 2:00 Book Review with Bonnie
.................................. 2:30 Music Melody with Phyllis
You can hemp students
everywhere and help your business at
the same time. How? By asking potential
employees for their high school records.
84% of high school students
say they'd work harder if they knew that employers
would look at their transcripts.* Thousands of
businesses are already requesting records.
When you ask, you'll be sending a powerful
message to students: "How you do in school can help
determine what kind of job you'll get, how much you'll
earn, even how .far you'll go."
Better
make
have lower failure rates and require
training. You can learn a tot about a
a school record: grades, courses taken,
and extracurricular activities.
So t logging on t
making academics count.
Make asking for student records business as
The Business Rounofable
National School Boards Association
American Associat~ of School A~ninistrators
UIS. Department of Education
National Alliance of Business
American Federation of Teachers
Nattonal Assooation of Secondary School Principals
Ach~ve, Inc.
Business Coalition fo
National Educat~n A,~ociation
U.S. Chamber of Commerce
National Governors' AssOC~atioo
from
944-5711
LOCAL DIAL-UP NUMBER
No Toll
per month
Unlimited Usage
Includes: World Wide Web, E-Mail, Usenet News, FTP, Telnet,
Browser, plus a free suite of application software for connecting to
and browsing the Interact.
Requires a computer with a modem and a hard drive.
A one-time $10.00 setup fee applies.
"Source: Public Agenda (1999)
Education
Excellence
Partnership
MAKING
ACADEMICS
COU T
Local
Local
Local
Local
[,;
People.
Decisions.
Commitment.
Investment.
A Real Community Bank is locally owned,
Managed and staffed by people you know and trust.
Dedicated to the overall strength of our community.
First lrust and Savin
I
I I I II ] •
Banking Hours: 9:00 a.m, to 3:00 p.m. Week Days
8:15 a.m. to 11:00 a.m. on Saturdays
Lawton Moville Climbing Hill
Phone 944-5171 Phone 873-3131 Phone 876-2215
Come talk with us.
We've been here for years.
Ready, waiting; and able to make all the difference.
And we'll be here as long as you need us.
Visit Our Motorbank [
l.,ofatt'd AI The Interaction of Main Street and Highway 140
I~ Open MorI,.T~..W~I..FIL. 7:~0 a.m. Io 4.~0 p.m,
l"htfftda~ • 7:30 a.m. io 6:00 p.m... ~ura~l~. $:1 $ a.m. to i i:00 =.fit
Depnslt= Insured to $100.000 by the Federal Deposit tnsurance C or~Loration