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Good Wednesday morning to you!

Paper or plastic? Or more specifically, cash or debit card or credit card? The plastic/digital growth trend is undeniable, but, in many ways, cash is still king.
     I made a decision a few years ago — after a credit card of mine was stolen twice in three months and after becoming aware of the massive data collection on credit/debit card purchases — to use cash more and debit/credit less. Clearly, I am in the minority, but why?
     An article published earlier this year in fortunly.com shares an incredible amount of data on the subject. Here are the some of the key takeaways.
     Is cash king? The article states that despite the growth of plastic/digital, cash continues to account for 12.7% of America’s GDP. U.S. consumers used $2.36 trillion in cash transactions in 2015. Over-the-counter withdrawals were $1.65 trillion, and $700 billion was withdrawn from ATMs. That’s a lot of cash.
     When is cash used most?According to the article, although cash is utilized the most, it is utilized most often when transactions are less than $10. Credit cards and debit cards combined account for between 50-60% of payments in the $10-100 bracket. Beyond that limit, according to the article, people typically use checks or automatic electronic payments.
     How much cash do Americans carry? The older you are, the more cash you are likely to hold. In 2017, Americans kept an average of $59 in cash on them daily, across all age brackets. For those older than 65, the answer was $101 on average. Thirteen percent of American consumers say they always have cash on hand, while 2.51% say they never do. That’s 9 million Americans who never use paper money.
     How much debt do Americans rack up on credit cards? Herein lies the problem. According to an MIT study, credit cards make people spend up to 83% more. As a result, the average credit card debt for American consumers is $6,028.
     So what can be learned from all this? Don't give up on cash yet. If the proverbial you-know-what ever hits the fan, you may be glad you had some money on hand.
     Have a wonderful Wednesday, and thanks for reading.

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

History Notes
On May 5, 1961, Navy Commander Alan Bartlett Shepard Jr. is launched into space aboard the Freedom 7 space capsule, becoming the first American astronaut to travel into space. The suborbital flight, which lasted 15 minutes and reached a height of 116 miles into the atmosphere, was a major triumph for the National Aeronautics and Space Administration (NASA). READ THE REST OF THE STORY...

Your Clear Mortgage forecast from Jason Parkin

A gorgeous day ahead today. Rain chances tonight into early Thursday. Another great day Friday. On Saturday, the rain chance looks to be good later in the day. For now Sunday’s rain chance looks slight.

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

Traffic notes
The Des Moines Police have mobile radar units at these locations today:
1400 block of 55th Street
3800 block of Lindlavista Road
3500 block Iola Street
The Score
IOWA CUBS: Indianapolis gets game one of the six-game set by a final score of 3-0. Tune in t0night for game two! Recap
MLB: Cubs 7 Dodgers 1; Cubs 4 Dodgers 3; White Sox 9 Reds 0; Indians 7 Royals 3; Cardinals v. Mets postponed. MORE RESULTS
A.M. Headlines

FROM KCCI: Two motorcyclists killed in Des Moines crash, police searching for driver

DES MOINES, Iowa — The Des Moines Police Department said it is investigating a crash Tuesday that resulted in two fatalities. The crash, which involved two motorcycles and a vehicle, occurred after 8:30 p.m. in the area of East 14th Street and Washington Avenue. ... READ MORE FROM KCCI

FROM WHO-TV 13: EPA: DICO Site Could Be Cleared of Contaminated Buildings by End of Summer

DES MOINES, IOWA — The Environmental Protection Agency and the City of Des Moines say the DICO superfund site could be cleared of contaminated buildings and ready for redevelopment by the end of the year.  READ MORE FROM WHO-TV

FROM WOI-DT Local 5: New climate data points to warmer falls, snowier winters for Des Moines

DES MOINES, Iowa — Autumn is getting warmer, January and February are getting colder and snowier and it's getting wetter on average annually for Des Moines.  That's according to new climate data released Tuesday by the NCEI (National Centers for Environmental Information), a division of NOAA. What meteorologists consider normal is based on a 30-year average..… READ MORE FROM WOI-DT Local 5

CITYVIEW's Best Of Des Moines 2021

Nearly 14,000 votes were cast in the 2021 CITYVIEW Best Of Des Moines readers' poll.

Best Local Place to Take Visitors
1. John and Mary Pappajohn Sculpture Park
2. Des Moines Downtown Farmers’ Market
3. Greater Des Moines Botanical Garden


Read more

Art with function: Norwalk metal artist makes two custom benches for the City

By Darren Tromblay

If things go according to schedule, the City of Norwalk will have a couple of brand-new, custom-made benches by the end of April.
     And these won’t be your run-of-the-mill benches, either. The benches will be created 100 percent by hand through the artistic mind of Norwalk resident Jackson Bussanmas, who was approached by Norwalk Hometown Pride to lend his skills to the project. Earlier, the City had put out a Facebook post asking for a local person working in metal art.
     Enter Bussanmas. The perfect fit.


Things To Do
Wednesday, May 5
What better way to observe Cinco de Mayo than to enjoy a meal at one of the many wonderful Mexican restaurants in the metro? Enjoy your favorite dishes — and drinks! Don't wait for the weekend to go out. Take a mid-week break and relax!

More baby birds! The geese by our office are officially parents. The group of goslings was heading over the hill and almost disappeared before I snapped a photo. — Photo by Tammy Pearson

Want to see your photo included in the Daily Umbrella? Send your Snapshots to tammy@iowalivingmagazines.com, and maybe it will be chosen!

Digital Editions
Waukee Living magazine is published each month and mailed to every household in the community. The April issue featurs a story about multi-generational households, informational articles, an education feature, a community feature and photos from local events. Each edition, as well as the archives, may be viewed at www.iowalivingmagazines.com. View the April digital edition here.
Birthdays and Notables!

NOTABLE: St. Vincent de Paul was recently awarded the Non-Profit of the Year Award by Fuse DSM. The mission at SVdP? To help those in need become more self-sufficient through education, community connectedness, and unconditional support. For more information, visit svdpdsm.org.

Happy Birthday to these celebrities: Henry Cavill, Adele, Chris Brown, Karl Marx, Sage Stallone, John Rhys-Davies, Brian Williams, Nellie Bly (an American journalist widely known for her record-breaking trip around the world in 72 days)

SUBMIT: Want to wish someone a Happy Birthday or a Congratulations on their big day? Email tammy@iowalivingmagazines.com
Poll of the Week

What’s your guess? Will we need to get COVID-19 booster shots in the next year, too?


Have you ever played Pickleball?

Yes - 24 %
No - 76%

Morning Chuckle
Why don't ants get sick?
THEY HAVE ANT-Y BODIES! Great guesses Judy Anderson, Russ Cerniglia, Lu Ann Gafford

Who wears the biggest hat in the Army?
Have a guess? Email tammy@iowalivingmagazines.com Answer in the next Daily Umbrella.

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.dmcityview.com and click on the JOIN OUR EMAIL BLAST link on the upper right-hand side!


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Johnston, Iowa 50131