‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 
Wednesday, Aug. 3, 2022
Good Wednesday Morning to You!

The idea of a loan is simple. You borrow something, and you pay it back — sometimes with a little extra.

If my neighbor loans me his truck, I give it back to him, often with a full tank of gas or a six-pack of his favorite beverage. I could give it back to him with an empty tank and no quench-thirsters, but the likelihood of him letting me use it again would then lessen greatly. That’s just the way life works, right?

This is why I continue to be amazed at the idea of forgiving student loans, or, on a much smaller scale, forgiving late fees at a library. What are we teaching young people about actions and consequences? And what are we teaching them about loans and how to pay them back?

I understand that some students have an enormous amount of student debt, and I understand that the brains of youth are not yet fully developed. Even so, the entire concept of a loan is not complicated.

Colleges and universities do have some responsibility in all this, but it is the much smaller share. I recall my first two years at Waldorf College where the folks in the business office assisted me in thinking through how to pay for my tuition and fees. They helped me work through my financial aid, scholarships, personal contributions and work study. Then, after that, we looked at how much I would need to borrow. That made sense to me, and I had very little debt.

In my final two years at Buena Vista College, the folks in the business office started off the financial discussion with the maximum amount I could personally borrow. I questioned why that was not done at the end of the financial aid discussion rather than the beginning. “That’s not how we do it here,” I was told. “Well, that’s irresponsible,” I replied. That comment certainly didn’t help my situation with any additional aid, but I was being honest, and I still feel that way today. Colleges and universities could, and should, help young people by working with them to have the least amount of debt as humanly possible. The recent announcement of a 4.25% tuition hike at our state universities is not going to help with this.

Meanwhile, some colleges and universities are helping students manage debt better, and kudos to them. Even so, that doesn’t shirk the responsibility of debt away from the debtor. Ultimately, we all need to realize we have a responsibility to pay back what we borrow. It is a lesson best learned in our youth rather than with our neighbors and their trucks later in life.

Have a wonderful Wednesday, and thanks for reading.

Shane Goodman
President and Publisher
Big Green Umbrella Media
515-953-4822, ext. 305


Iowa Cubs Aug. 2: Toledo 12 Iowa Cubs 7

MLB Aug. 2: Pirates 5 Brewers 3, Cardinals 6 Cubs 0, Tigers 5 Twins 3, White Sox 9 Royals 2  ... READ MORE


Your Clear Mortgage forecast from Jason Parkin

We'll have rain chances lasting into the early afternoon hours today, but we’ll still reach the lower 90s for highs. It’ll be a tad cooler on Thursday, but we’re back to the 90s again on Friday. Rain chances come our way Saturday through Monday.

For help with preapprovals or refinancing, get in touch with Jason at parkin.mortgage

Featured Home For Sale
Attention Realtors, post your listings here for $50. Contact pat@dmcityview.com for details.
2839 Ridge Road
Des Moines, IA 50312
Located in the highly coveted historic Owl's Head neighborhood, this brick beauty boasts 6 bedrooms, 3 full bathrooms and 3 half bathrooms. The location is ideal — located on a quiet street but within walking distance to the Bill Riley trail, downtown Des Moines, and the Ingersoll entertainment district. If that doesn't sell you on this home, the charming character will...
See More Homes For Sale

FROM KCCI: The 2022 Hinterland Music Festival is offering concert goers something new

SAINT CHARLES, Iowa — Set up for the 2022 Hinterland Music Festival at the avenue of the Saints Amphitheatre in St. Charles is almost complete. In its seventh year, the Hinterland Music Festival is expanding.  ...READ MORE FROM KCCI

FROM WHO-TV: Waukee police’s new Crisis Intervention Team is up and running

WAUKEE, Iowa — The Waukee Police Department started its Crisis Intervention Team program on July 1st and since then, the team has responded to 36 calls. Waukee Police Department’s Crisis Intervention Team is called anytime there is a mental health emergency for police to respond to. It consists of a CIT officer and a social worker. ...READ MORE FROM WHO-TV

FROM WOI-DT Local 5: Des Moines doctors and parents warn of PeV symptoms in infants

DES MOINES, Iowa — A virus primarily found in infants is spreading across the country, according to the CDC.  Human parechovirus, also known as PeV, was found in 23 infants in Tennessee earlier this year. Ages ranged from five days to three months old....READ MORE FROM WOI-DT Local 5


Hot air balloons take flight at the National Balloon Classic at Indianola, which continues until Aug. 6. Photo by Angie Banks

Send your photos to tammy@iowalivingmagazines.com

Best Of Des Moines 2022

CITYVIEW announced its 2022 Best Of Des Moines readers' choices Feb.1. You can find all the results from the poll in the February issue of CITYVIEW magazine!

Best Local Automotive Salesperson
1. Ron Floyd - Bob Brown GMC Buick
2. Todd Lee - Willis Cadillac
3. Steve Johnson - Hummel’s Nissan


It floats!

Deaver designs his own four barrel boat.

By Darren Tromblay

Most guys want no part of building a pontoon from scratch. Except Dallas Center’s Scott Deaver. Give him eight barrels and a 7-foot by 14-foot space with which to fit them under, and he’s good to go.

Months later, resting beside his garage is “The Ghost,” a mostly blue, mostly complete, barrel boat.

“I went a little overboard,” he admits of the build. “A lot of guys will build them dirt cheap with just a platform and the barrels under it with a trolling motor. I wanted a little more than that.”

The project began in his garage in October 2021, and, in just a few months, it was ready for water. He hoped, anyway.

... Read More From the July issue of Grimes Living magazine.

Birthdays and Notables!

Happy Birthday to these celebrities: Tom Brady, Evangeline Lilly, James Hetfield, Martin Sheen, Martha Stewart, Tony Bennett, Karlie Elizabeth Kloss, Michael Ealy, Isaiah Washington, Mamie Gummer, Todd Gurley, Ryan Lochte, Landry Bender, Tyrod Taylor

SUBMIT: Send your birthday greetings and congratulatory notes to:tammy@iowalivingmagazines.com

Morning Chuckle
The answer to yesterday's riddle:
How do monkeys make toast?


Q: What do hippos smell like after taking a bath?

Have a guess? Email tammy@iowalivingmagazines.com 

More email offerings

Enjoy the Daily Umbrella? Perhaps you would enjoy receiving emails of our other publications!

• CITYVIEW • Living Weekly newsletters: Johnston, Waukee, Polk City and Adel • Lake Panorama Times • Events • CITYVIEW Business Journal 

See a full list of our offerings by clicking on SUBSCRIBE here.


If you would like to advertise in this daily newsletter, please contact Pat Checketts at pat@dmcityview.com, or call 515-953-4822 ext. 311.

P.S. As a free newsletter, we rely on readers like you to grow our subscriber list. If you have a friend or coworker who you think would enjoy waking up to The Daily Umbrella each weekday morning, please share our newsletter sign-up page with them! Visit www.thedailyumbrella.com and click on the SUBSCRIBE link on the upper right-hand side!


This email was sent to: email@somehost.com

Big Green Umbrella Media, Inc.
8101 Birchwood Court, Suite D
Johnston, Iowa 50131