August 2020 web (with links)

AUGUST 2020 - Complimentary Issue - www.qcfamilyfocus.com
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2 August 2020 I QC Family Focus

AUGUST 2020
Serving Eastern Iowa & Western Illinois
5
8
Worried About
Return To School In
The Midst Of Covid?
SUPPORTING YOUR
CHILD IN TIMES
OF TRANSITION
12
18
My Child Needs
Eyeglasses
Credit Scores
Making the Grade
Contributing Editors
Publisher: Mike Mickle
Editor: Karen Mickle
Magazine Design: Jessie Smith
Videographer: Harry Walker
Owen Hoke
Denise Aden • Michael Carton • Brian Delaney
Evin Ersan • Jill D Evola Vokt
Mike Mickle • Mike Snell
Join thousands of others as they help us promote happy healthy families in the QCA.
Call 563-940-7875 for more information.
QC Family Focus Magazine is a wholly owned subsidiary of Mickle Communications Group LLC. Publication of advertising and articles does not
constitute endorsement. The publisher reserves the right to refuse and/or edit any materials for publication. You can contact us at QC Family Focus
Magazine, P.O. Box 194, Bettendorf, Iowa 52722, 563-940-7875 or email: mmickle@qcfamilyfocus.com. ©Copyright 2020.
QC Family Focus I August 2020 3

Your Mickle’s Worth
It’s the start of a school year and
there is much discussion and disagreement
about how this year should look.
Some schools will remain virtual while
others will welcome students back to the
classroom. The questions are plentiful,
the opinions are even more plentiful. Some
parents are worried about sending their
children back to the classroom. Some
educators are uneasy about returning to
schools with there are still many unknowns
concerning the spread of COVID-19. With
that said, there are also many parents
who are happy to see the children return
to a sense of normalcy and teachers who
are excited to see their students. It’s a
tough topic for legislators, school administrators
and teachers. In the end, we all
want what’s best for everyone involved.
There are just differing opinions on how to
achieve that.
What I do know is that we have
some great schools in our area, dedicated
teachers who truly care about their
4 August 2020 I QC Family Focus
students and administrators who do their best to put
the student’s needs first. For us, this is it. It’s Matt’s
senior year. The youngest Mickle child is just months
away from heading to college. There are many uncertainties
surrounding this final year of high school. Will
there be a football season? Will there be a basketball
season? Will the colleges he’s interested in allow in
person visits and tours? We don’t know the answer
to any of those questions. What I do know is, I’m
going to do my best to concentrate on the positives.
After 22 years of having children at home, soon they
will all be gone. All three are doing their best to chase
their dreams even in these challenging times. They’ve
grown into young adults that we are proud of and the
older they get, the more they truly seem to like each
other.
Karen has been their rock. She has been their
confidante, their best friend and the one who brings
them back in line when needed. I’ve been blessed to
be part of the journey and no matter how many more
years I work, what titles I hold or what responsibilities
I’m given, I’ll always cherish the title of “Dad” the
most.
As we prepare for Matt to turn 18 in a few
months, I’m remind that the QC Family Focus journey
began when he was just a baby. 17 years ago this
month, we published the first issue of QCFF. Many of
you have been on the journey with us for all 17 years.
A simple “thank you” doesn’t seem adequate. Your
support means more than you will ever know.
Hold your children close and give them a hug
when they need it. Those hugs are more important
now than ever before.
Stay safe,
Mike, Karen, Kyle, Kate and Matt
Transforming Children Through Play Therapy
Kim Feeney, LISW, RPT-S
1333 W Lombard St - Davenport, IA 52804
563-349-9595
kim@butterflybeginningscounseling.com
www.butterflybeginningscounseling.com

Worried About
Return To
School In The
Midst Of Covid?
by Jill D Evola Vokt Educational Consultant/Owner, Tutor Doctor
Most parents
are. With so much
confusion around
Return to Learn
plans, what school
will look like for our
kids, how much
health risk there is
in returning to the
classroom, parents
are understandably
anxious about what to do with Back-to-School.
The choices are not simple or straightforward.
There is no simple or cost-free way to educate
your children. All ways require hard work,
an investment of time and money, and a
commitment to helping your children learn. That
is where we come in. Whatever you choose to do
to provide schooling for your children - in–class,
online, homeschool or some combination – we
can support your plan and help fill in gaps with
individualized tutoring which is a proven method
to:
- support classroom instruction
- bridge online instruction with individualized
explanation
- provide enrichment and enhancement to
curricula
- deliver instruction for homeschool subjects like
math or sciences
- provide POD experiences for homeschoolers
or school-at-home cohorts
- coach learning skills
- prep for standardized tests like ACT, SAT and
AP exams
Give our local office a call at 563 468-
3763 or go to our website www.tutordoctor.com/
bettendorf for more information. We are here to
help!
OVERWHELMED
WITH WHAT TO DO ABOUT
SCHOOL THIS FALL?
• INDIVIDUAL HOMESCHOOL
• GROUP HOMESCHOOL
• 1X1 IN-HOME/ONLINE TUTORING
563-468-3763
QC Family Focus I August 2020 5

Help with Homework
by Michael Carton Director of Education and Outreach, WQPT Quad Cities PBS
It’s been five months since
the COVID-19 pandemic turned
our lives upside down. Lately,
I’ve mostly been measuring time
in diaper changes for my twins
(1,300+) and loaves of bread our
family has eaten (80+), but I’m still
at a loss for words when it comes
to how I’m feeling about what’s
happened, and when everything
will return to ‘normal.’ I thought
we’d have a much clearer picture
by now of how fall 2020 will look,
but it seems like the future is
cloudier than ever!
My son’s 3rd grade school
year will begin this month, and as
I write this, I have no idea what it
will look like. He may attend in
person 5 days a week, or 2 days a
week supplemented with a couple
days of virtual learning. He could
learn online 5 days a week, or
spend half days in the classroom
and half days learning virtually.
On top of that uncertainty, what is
decided for the 1st quarter could
change in the 2nd quarter! And if
he does go back to the classroom,
we have to prepare for outbreaks
that could then keep him home
for weeks at a time – talk about
unpredictability!
I’m usually a pretty laidback
person and can handle not
always having a plan, but this is
really starting to stress me out!
The only thing that makes me
feel a bit better is knowing that
I’m not alone. There are millions
of parents across the country
who are anxious about what this
school year will look like. We
are all trying to figure out what’s
6 August 2020 I QC Family Focus
best for our children, and for our
families as a whole.
What’s really tough is that
there is no solution that will work
for everyone.
I’ve spoken with a number
of parents who absolutely love
their child’s school, and want
their child in the classroom, but
are considering homeschooling
because someone in their family
has a compromised immune
system. I’ve spoken with parents
who feel like their children didn’t
learn much in the spring with
online learning, and they’re
worried about how another year
of virtual learning might affect
them academically in the longterm.
I’ve spoken with yet other
parents who are concerned about
the lack of socialization their child
has had with peers since COVID
closed the schools.
While there’s no single
back to school solution that
works for every parent in this
unprecedented time, there are
resources that can help us all,
and many of them are online. The
website PBSLearningMedia.org is
a valuable resource for just about
everyone. The site was designed
for teachers, but it’s free to anyone
who wants to use it – including
parents trying to supplement their
child’s education.
From lesson plans and
interactives, to media galleries and
documents, PBS LearningMedia
provides tens of thousands of free
learning resources that can be
filtered by subject, grade level, and
learning standard. The site can
be a great resource for parents,
caregivers, grandparents who
are helping out, and of course,
teachers! I highly recommend
parents start browsing the site
now to see for themselves what
tools might be the most helpful for
their schooling situation this year.
Hopefully, you can use
PBS LearningMedia regardless of
what decision you make for your
child. And in the end, I hope for
some reassurance for all parents
(myself included!) that the school
districts are working tirelessly to
plan for a healthy and productive
school year for everyone. This will
be a unique and undoubtedly less
than ideal year, but parents aren’t
alone, and we’re fortunate to live
in a time when extra tools and
resources are just a mouse click
away.

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QC Family Focus I August 2020 7

SUPPORTING
YOUR CHILD
IN TIMES
OF TRANSITION
by Denise Aden, MSW LISW Quad Cities Counseling
Children go through events
that cause anxiety just like
adults do. Returning to school
in the midst of a Pandemic
clearly creates anxiety for both
children and the adults who
care for them! Whether it’s
the death of a family member,
experiencing divorce of their
parents or changes like those
experienced during the current
Covid-19 pandemic, there are
many emotions and thoughts
children may experience.
Unlike adults, however, children
don’t always express emotions
or concerns as an adult might.
It can be harder for a child
to fully understand what they’re
feeling. So, they have a more
difficult time processing their
feelings and really working
through it.
While kids should be
allowed to experience grief,
8 August 2020 I QC Family Focus
loss or anxiety in their own
way, it’s a good idea to be
aware of signs like anger, fear,
or sadness. In some children,
their feelings may also be
“invisible” unless you openly
offer your help and support.
So, if you know your child
has been through a loss or
transition of some kind, how
can you support them while
they work through it?
Listen to Them
As their parent, one of your
biggest jobs during a transition
is to comfort your child. If your
child is old enough to fully
understand the change, listen
to what they have to say about
it. Ask them how it makes
them feel. Ask them if they’re
struggling with anything. Let
them know you’re there for
them no matter what and offer
reassurance.
Your child may cry. They
may want to show physical
affection. Or they may not
seem to show any kind of
emotion. Again, every child
handles change differently. As
long as they know you’re there
to support them, they can take
comfort in that.
Discuss Your Own Grief
If you’re going through the
same transition process as
your child, talk about it. For
example, if your child recently
lost their grandparent, you
could say something like, “I
know it hurts that Grandpa is
gone. I’ve been very sad about
it too.” Or, I know you are
missing seeing your friends at
school, I miss seeing friends
too.
When you’re willing to talk
about your feelings, your child
may be more likely to open

up and share some of theirs.
And that can help them greatly
through this time of change.
Don’t Hide Everything
Depending on your child’s
age, you might feel as though
there are things they shouldn’t
have to see or experience in
a loss situation. But it can be
good for a child to be a part of
some of those things in order
to fully understand what is
going on and accept them.
For instance, if you lost a
family member, let the child
go to the funeral. Explain
beforehand what a funeral is,
what will happen, and what
to expect. Prepare yourself
to answer any questions your
child might have about it. Help
your children know that we are
all in this Pandemic together
and we will support each other
in dealing with the changes.
Show your confidence in their
ability to adjust instead of
expressing too many of your
own doubts.
Including your child in
different “rituals” or events
provides another way for them
to process and grieve with
you, without having to feel as
though they’re doing it alone.
Give Them Time
Working through changes
doesn’t have a timeline that’s
set in stone for anyone—not
even kids. While you shouldn’t
dwell on feelings of sadness, or
fear, it’s good to have ongoing
conversations with your child
about how they’re feeling and
what they’re going through.
Don’t rush them to “get
over it” or to move on in
their process—even if you’re
Client-Centered, Solution-Focused.
already through it. It’s okay to
encourage them to focus on
good memories surrounding
any losses or changes. Let
them know they never have to
forget what they loved, even
as they work on creating new
memories or ways of doing
things.
If your child is having
trouble dealing with changes
or transitions, you might
start to feel helpless as a
parent. Feel free to contact
me if you’re unsure of how to
help them and support them
through this difficult time.
Together, we can work on
more strategies you can use to
process your own feelings and
ensure your child is comforted
through the transitions they are
experiencing as well.
Do any of the following statements
resonate with you?
· You feel isolated.
· You lack confidence.
· You struggle to have time for yourself.
· You believe God has more for your life,
but it just isn’t happening.
If any of these are true for you,
counseling can help.
I’m Denise Aden, and I provide
counseling services here in the Quad
Cities area. I also offer counseling with a
Christian perspective, if you wish. I have
more than 30 years of experience, and
my approach is warm, compassionate,
client-centered and solution-focused.
Looking for more peace in your life?
Call me at (563) 213-5100 for
a free consultation.
Denise Aden, MSW, LISW
1970 Spruce Hills Drive · Bettendorf, IA 52722 · (563) 213-5100
info@quadcitiescounseling.com · quadcitiescounseling.com
QC Family Focus I August 2020 9

$20 Back-to-School
& Sports Physicals
(Aug.-Sept.)
Call to schedule an appointment today!
Davenport Clinic
563-884-5801
Moline Clinic
309-764-4901
Appointments are required to allow for social distancing.
No walk-in appointments will be available.
Check with your school to verify that chiropractic physicals are accepted.
WWW.PALMERCLINICS.COM/QC
10 August 2020 I QC Family Focus

THE BEST CHIP & VEGGIE DIP
This easy dip has been in our family for decades and it graces
every single family function. It’s perfect with a classic potato
chip, but we also like it with sliced veggies for snacking. A
great party appetizer!
INGREDIENTS:
• 2 cups sour cream
• 1 cup mayo
• 1 cup shredded cheddar cheese
• 1 cup shredded mozzarella cheese
• 1 t. Accent seasoning
• 1/2 t. garlic salt
• 2 T. dried parsley (enough to make it colorful!)
INSTRUCTIONS:
• In a bowl combine the sour cream and mayo.
• Add in the seasonings and shredded cheeses, stirring to
combine.
• Refrigerate for a few hours or overnight for best results.
• Serve with potato chips and chopped veggies.
FLOURLESS ZUCCHINI BROWNIES
Have zucchini suddenly showed up on your front porch? It’s
that time of year! It’s flourishing. Here’s another way to use
some shredded zucchini up - in brownies! These are fudgy
and gooey and great paired with a scoop of vanilla ice cream.
INGREDIENTS
• 6 T unsalted butter
• 3/4 cup sugar
• 1 cup mini semi-sweet chocolate chips
• 2 eggs, room temperature
• 1 t vanilla extract
• 1 heaping T unsweetened cocoa powder
• 3 T cornstarch
• 1/2 t salt
• 1 cup shredded zucchini, pressed and drained of excess
water
INSTRUCTIONS
• Preheat the oven to 350 degrees. Line a metal 8x8 baking
dish with tin foil, allowing it to lap over the edges (built in
handles for later). Spray generously with cooking spray.
• In a small saucepan over low heat melt the butter, then add the sugar and whisk to combine. Then add
in the chocolate chips continuing to stir until smooth. Take off from the heat and whisk by hand for 2
minutes until glossy and smooth.
• Add in the eggs one at a time, followed by the vanilla extract and salt.
• Using a sifter, sift in the cocoa powder and cornstarch, whisking into the batter, again stiring by hand until
smooth and shiny. Add in the shredded zucchini.
• Pour the batter into the tin foiled lined pan and spread evenly. Bake for 25-30 minutes or until the
brownies are set in the center. Allow to cool completely before lifting out the tin foil and cutting into 9
squares.
• Serve each square with a scoop of ice cream!
For more of Ally’s recipes check out the recipe section at
www.qcfamilyfocus.com or www.sweetandsavoryfood.com
QC Family Focus I August 2020 11

My Child Needs Eyeglasses
by Mike Snell Optical Director, Eye Surgeons Associates
Discovering your child needs
eyeglasses can initially be an
alarming experience for parents.
Anxiety and emotions of surprise,
confusion, disappointment, and
even guilt can immediately ignite
an array of questions: Why didn’t I
notice before now? How long have
they been struggling? What type
of eyeglasses should I get for my
child? Is my child going to wear
the eyeglasses I get for them?
First and foremost, it is
important that you, remain positive
and encouraging and to focus on
the facts: 1. A vision need has
been determined and 2. There is
a solution. Then, don’t worry, an
experienced optician can provide
answers to many questions and
concerns, as they guide you and
your child through the eyeglass
selection process.
Today’s frame selections for
children can accommodate a variety
of needs. There are an assortment
of styles, colors and brands
to select from, some favorites
include: Nike, Miraflex, Ray-Ban,
Guess, Timberland, Skechers,
and SPECS4US (designed to
accommodate and fit the features
of children with Down Syndrome,
as well as, other individuals with
unique facial features). Advances in
frame technology provide excellent
durability featuring not only flexible
hinges but even flexible metal
and other materials throughout
the frame. Lens technology has
greatly advanced from heavy and
less safe glass lenses, to plastic
lenses, to using polycarbonate
lenses. Polycarbonate lenses are
today’s lens material of choice for
children’s eyeglasses. They are
approximately 30% thinner and
lighter weight than regular plastic
lenses; making the eyeglasses
much more comfortable for your
child to wear. Polycarbonate
lenses are also extremely impact
resistant and have a natural UV
filter in the material.
In addition to increased levels
of eye fatigue, new studies show
people are experiencing increased
exposure to harmful blue light
from LED computer, video game
and smartphone screens. Plus,
the U.S. and other parts of the
world have initiated the phase
out of incandescent light bulbs
in favor of more energy-efficient
luminescent sources (fluorescent
bulbs, LEDs) and will experience
even greater exposure to blue
light. Extensive research has found
that blue light impairs sleep. The
bright light tricks the brain into
thinking it is still light outside and
the production of melatonin, which
aids sleep, occurs in the dark. Lack
of sleep can cause an increase in
hyperactivity and trouble focusing
on tasks, conditions that mirror
ADHD. Blue light may also be a risk
factor for AMD. Anti-reflective lens
technology is highly recommended
as it significantly reduces eye
fatigue and strain caused from
glare and reflection on your child’s
lenses. To help reduce the risk of
blue light, in addition to shutting
down the video games an hour
before bed, recent lens technology
has been developed to filter out
this harmful blue light.
Experienced opticians will
adjust your child’s glasses for
proper fit when they are dispensed
and as often as needed thereafter.
As a kid who grew up wearing
glasses, I recall recess and gym
class being particularly hard
on my eyeglasses. You should
probably be prepared for a similar
experience with your child. Today’s
eyeglasses are generally very
durable and able to be adjusted as
needed. It is important to maintain
your child’s eyeglasses to ensure
your child’s best vision and their
continued compliance in wearing
the eyeglasses. And ask about
extended warranty or protection
plans, they may be worth the
investment.
Optician’s will also provide
guidance and recommendations
to accommodate your child’s
special vision needs including
sports eyeglasses and sunglasses.
Sunglasses that block 99-100% of
UV-A and UV-B rays, can protect
eyes just like sunscreen can
prevent sunburn on skin.
Finally, positive parent and
teacher encouragement combined
with the noted vision improvement
are generally sufficient for your
child to be compliant in wearing
their eyeglasses. So while there
may be an adjustment period,
the improved vision your child
experiences will be rewarding to
both you and them.
Mike Snell has 30 years of Optical experience
and is also Eye Surgeon’s Chief Administrative
Officer. He is an American Board of Opticianry-
Certified Optician and a certified professional coder.
The material contained in this article is for
informational purposes only and is not intended
to be a substitute for professional medical advice,
diagnosis, or treatment. Always seek the advice of
your physician or other qualified health care provider.
12 August 2020 I QC Family Focus

With
Ela Ersan
Pleasant Valley
High School Student
CREAMY HERB CHICKEN!!!!
This is one of the best sauces I have ever tasted in my life! On top of chicken it
is literally something I never get tired of! Make sure you have some good bread
on the side to to make sure you get every bite of that sauce!
INGREDIENTS
For The Chicken:
• 4 chicken breasts (pounded 1/2-inch thin)
• 2 teaspoons each of onion powder and garlic powder
• 1 teaspoon fresh chopped parsley
• 1/2 teaspoon each of dried thyme and dried rosemary*
• salt and pepper, to season
For The Sauce:
• 4 cloves garlic , minced (or 1 tablespoon minced garlic)
• 1 teaspoon fresh chopped parsley
• 1/2 teaspoon each of dried thyme and dried rosemary
• 1 cup milk (or half and half)*
• Salt and freshly ground black pepper , to taste
• 1 teaspoon cornstarch mixed with 1 tablespoon water , until smooth
INSTRUCTIONS
First, you’re going to season your chicken in ALL the herbs. For this recipe, I
chose:
• Thyme • Rosemary • Parsley
You can use Tarragon, or Basil with Oregano if you prefer.
• Coat chicken breasts with the onion and garlic powders and herbs. Season
generously with salt and pepper.
• Heat 1 tablespoon of oil a large pan or skillet over medium-high heat and cook
chicken breasts until opaque and no longer pink inside (about 5 minutes each
side, depending on thickness). Transfer to a plate; set aside.
• To the same pan or skillet, heat another 2 teaspoons of olive oil and sauté garlic,
with parsley, thyme and rosemary, for about 1 minute, or until fragrant.
• Stir in milk (or cream); season with salt and pepper, to taste.
• Bring to a boil; add the cornstarch mixture to the centre of the pan, quickly
stirring, until sauce has thickened slightly. Reduce heat and simmer gently for a
further minute to allow the sauce to thicken more.
• Return chicken to the skillet. Sprinkle with extra herbs if desired. Serve
immediately.
NOTES *If you don’t like Thyme or Rosemary, substitute these with Basil and
Oregano, or use Tarragon.**For a dairy free option, I find Cashew milk the best
in flavour. You can also use almond milk or rice milk. Yes, heavy cream can be
substituted!
https://cafedelites.com/quick-easy-creamy-herb-chicken/
SEEING LIFE IN
20/20
Set them up for success at school before their first day. Schedule an exam so they can see their classroom in 20/20.
All kids entering kindergarten receive a discounted exam.
(563) 323-2020 l (309) 793-2020
ESAEYECARE.COM
QC Family Focus I August 2020 13

Just For Kids
To make these DIY bookmarks, you’ll need:
• a pattern for the cutout
• felt scraps – red, black, yellow, purple, pink, blue, white
• white school glue
• elastic
• clear tape (optional)
• small googly eyes (optional)
• hot glue gun and gluesticks
Directions:
• First have the kids cut out the shapes using the patterns. I find
it’s best to tape the pattern piece to the felt and then cut. It helps
hold everything in place. Use the school glue to glue all of the
pieces together and let it dry.
• Cut a piece of elastic 16 inches long. Cut a rectangle of felt that
will fit on the back of the bug.
• For this part, the little kids will need some help with a hot glue
gun. Glue the elastic like in the photo below.
• Glue the rectangle of felt over the elastic to cover the ends.
Frozen Chocolate Banana Treats
Ingredients
• 3 medium bananas
• 1 cup dark chocolate chips
• 2 teaspoons shortening
• Toppings: chopped peanuts, toasted sweetened shredded
coconut and/or colored jimmies
Directions
• Cut each banana crosswise into 6 pieces (about 1 in.). Insert a
toothpick into each piece; transfer to a waxed paper-lined baking
sheet. Freeze until completely firm, about 1 hour.
• In a microwave, melt chocolate and shortening; stir until smooth.
Dip banana pieces in chocolate mixture; allow excess to drip off.
Dip in toppings as desired; return to baking sheet. Freeze at least
30 minutes before serving.
Note
To toast coconut, bake in a shallow pan in a 350° oven for 5-10
minutes or cook in a skillet over low heat until golden brown,
stirring occasionally.
14 August 2020 I QC Family Focus

Just For Kids
QC Family Focus I August 2020 15

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16 August 2020 I QC Family Focus
Monday – Friday
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Monday 6:45am to 5:30 Friday pm
6:45am Monday to – 5:30 Friday
pm
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Childcare-ages 6 weeks
6:45am to 6 yearsto 5:30 pm
6:45am to 5:30 pm
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M-F

Have You Ever Considered
Making A Vision Board?
by Evin Ersan High School Reporter, PVHS
There is a saying that says, “Seeing is believing.”
When we can actually see something, it becomes
more real. In my previous motivational messages,
I’ve suggested writing things down because I
believe in the philosophy that,
“If it’s not written, it’s not real.” I used this
example in the context of goal setting. If you just
talk about goals or fantasize about them, I‘m
convicted you may struggle to make them a reality.
Writing down goals makes them tangible and is
a strong step toward making a commitment to
achieving them. A vision board takes this idea one
step further because it allows you to get extremely
creative. You can decide how far to take your vision
board as it really has no boundaries. It is an exhibit
of the life you want to live.
Vision boards can be created in a number of
ways but most people use pictures, words, and
small objects all mounted on a board of some
kind. It is a work of art, and it should be designed
to inspire and motivate you be reminded of your
life dreams every day. vision boards can address
a variety of life topics including: School, Career,
Family, Fun, Money, Possessions, like houses,
cars, boats, etc., Religion, Love, and much more.
They can be changed, updated, and/or
expanded on at any time. They are for you and
you alone. No one else needs to understand your
vision board except for you. It is your vision for
your life, and it should be a vision of your happiest
life possible.
Most people display their vision boards in a
place where they will see it often throughout the
day. However, in the end, it will be up to you.
However, if you’re not comfortable with that, you
can put it somewhere where you can pull it out and
look at it whenever you want.
So why not give it a try? What would your vision
board look like?
If you enjoy positive messages that are
educational, inspirational, motivational, and
entertaining, follow me on Instagram @evin_ ersan
YOUR AD COULD BE HERE!
Looking for the right company to tell your company or organization’s story?
Talk to the experts at Mickle Communications!
We are the ONLY company that focuses on families of ALL ages and abilities.
Email Mike at mmickle@qcfamilyfocus.com
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m mickle
communications
video•print•design•marketing
QC Family Focus I August 2020 17

Credit Scores-Making the Grade
by Brian Delaney Consumer Credit
What is your FICO Score?
FICO, which stands for Fair Isaac
Corporation, is the company that
created the method that takes into
account all of the information from
your credit report to compute a
score or number. The score is used
not only to measure the odds of you
repaying a loan, but increasingly
used by employers, landlords, and
insurance companies to decide
if they will do business with you.
Bottom line, that score can have
a huge impact on your life which
makes understanding what FICO
scoring is all about very important.
The higher your score, the more
likely you will be able to borrow
money at the most favorable interest
rates, get the job, rent the apartment,
and buy cheap insurance. The lower
your score, the more likely you will
have a larger interest rate (if the loan
is made at all) and be told no when
you were hoping to hear yes. The
FICO score scale is much like the
grading scale in school:
A=800+ (exceptional)
B=740-799 (very good)
C=670-739 (good)
D=580-669 (fair)
F= <580 (poor)
Just like in school, life is better
for those with the A’s and B’s. The
median number FICO score is 703.
What factors are considered in
your score? First of all, your credit
score measures the activity on your
accounts over the last 7 years.
Recent activity (last 6 months to
2 years) will weigh heavier on your
credit score than something from
6 years ago. There are five factors
considered in your credit score:
payment history, amounts owed,
length of credit history, new credit,
and credit mix.
Payment History makes up
35% of your score. This area
reviews your history of paying bills.
Have you always been current?
How long has it been since you were
delinquent? If you did fall past due,
how far past due did the account
get? The number of accounts
past due as well as the number of
accounts that are paid as agreed.
Amounts Owed makes up 30%
of your score. This takes a look at
the overall amount owed on your
accounts. It also looks at the number
of accounts with balances owed
and compares the amount owed to
the credit available on a credit card
account or the amount remaining on
installment loans versus the original
balance. For example, if you owe
$5,000 and you have credit lines
totaling $10,000, you are using 50%
of your available credit. If you only
owe $1,000 with the same $10,000
limits, you are only using 10% of
your available credit. You should
use no more than 30% of your
available credit at any one time to
maximize your credit score. When
creditors reduce credit limits, as
many creditors are doing during our
economic downturn, it could throw
your utilization ratio out of whack.
If you receive a letter stating that
a creditor is going to reduce your
credit limit or close your account
completely, call them immediately to
see what can be done to avoid the
reduction.
Length of Credit History=15%.
Maintaining a long standing account
with lenders is viewed favorably.
New Credit=10% The FICO
score looks at the number of recently
opened accounts compared to the
long standing accounts. Opening
several new accounts in a short
period of time can indicate a
problem with your ability to pay cash
for purchases.
Credit Mix=10%. Statistics
show that people who can handle
different types of accounts (ex.
Mortgage, credit cards, installment
loans, etc.) are lesser credit risks.
Calculating a FICO score is a
very complicated process. However,
generally a common sense approach
of not borrowing too much, ALWAYS
paying your obligations on time, and
having a long, positive relationship
with your creditors will go a long
way to making sure that you make
the grade that gets you treated with
respect. Go to https://www.myfico.
com/credit-education/credit-scores
for more information.
Consumer Credit of the Quad
Cities is located at 2550 Middle
Road, Suite 300, Bettendorf, and
has been offering credit counseling
services since 1993. For more
information, call (563) 359-8830,
visit www.TooMuchDebt.com or
e-mail info@TooMuchDebt.com.
18 August 2020 I QC Family Focus

2550 Middle Road, Suite 300
Bettendorf, IA 52722
www.TooMuchDebt.com
TWO SERENE SETTINGS, ONE CARING MANAGEMENT
Pine Hill Cemetery Association
SERVICE SINCE 1855
1530 E. 39th St.
Davenport, IA 52807
(563) 391-5130
PineHillCemeteryDavenport.com
Fairmount Cemetery Association
Iowa’s Original Crematory
3902 Rockingham Rd.
Davenport, IA 52802
(563) 322-8663
Fairmountcemeteryandcrematory.com
• Traditional casket
or cremation sites.
• Cremation columbarium
and bench sites.
• Monument, Markers,
Benches and More.
• Grave liners and vaults.
• Pet Cremation and
burial services
QC Family Focus I August 2020 19

m mickle
communications
video•print•design•marketing
“No other company in the Midwest is doing what you are doing.”
Eric Powell-Manager, Program Development- TLC Network
563.940.7875 • MICKLECOMMUNICATIONS.COM
Mickle Communications is the expert in telling your story.
MC is the only video production company to win a Silver Dome Award
for Best Documentary in Illinois and a 4-time Emmy Nominee.
Tackling topics no other video production
company in the QC is willing to cover.
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20 August 2020 I QC Family Focus