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Westbrook, Minnesota
November 27, 2013     Sentinel Tribune
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November 27, 2013

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SENTINEL TRIBUNE Wednesday, November 27, 2013 Page 2 OBITUARY Michael John Howley holida Services for Michael John Howley were held Friday, November 22, 2013 at Tomball Assembly of God church, Tomball, TX. Michael John Howley was welcomed into the home of John and Kathryn Howley, born at Westbrook, Minnesota on May 8, 1961. He attended Westbrook Elementary and graduated from Westbrook High School. Mike always loved the farm and out- doors, and his dog Lucky, his cat Kallan, his horse Princess and working with Dad. He could run the tractors proficiently at age 4. In school, he was a wrestler, always going for, and usually get- ting "the pin"! On July 8, 1979, Michael invit- ed Jesus to be his Lord and Savior. He was baptized into a believers baptism on Nov. 2, 1980. He eventually was asked to be the Youth Leader at Storden Baptist Church and then under Bob Maddox at the Marshall Assembly of God Church. His "group" grew under his leadership and enthusiasm. Mike also was asked to give his dynamic testimony to many youth groups around the country. Michael and Nancy Sbenneman were married in June of 1988 and they welcomed their daughter Sarah Danielle into their lives on May 24, 1991. Sarah was the light of Mike's life for his whole life. He adored her. Michael graduated from Granite Falls Tech College in the field of Fluid Power second in his class, and was immediately called to Dallas Texas to the Brans Co. He also worked at Applied Industrial Technologies, Applied Fluid Power, Dynamco and then at Electro Sensors, Inc. in Minnetonka Minnesota, doing market- ing and sales with national and international distributors. Michael had a soft heart and always wanted to help people. He was involved in volunteer work at his church and favorite charity. Mike was very artistic. His home was filled with Bible verses and beautiful plaques of encouragement and pictures of family. His office showed his excellent organizational skills. Michael recently moved to Cypress, Texas to look for work in the Houston area in his field of fluid power. He had a massive heart attack on Nov. 2, 2013, but survived for two weeks, until God took him home on Saturday, Nov. 16. Michael is survived by his daughter Sarah Danielle of Mpls, MN, his parents of Cypress, Texas, brother Thomas ofMpls, MN, and sisters Joan (David) Gohl and Lynn (Brian) Brooks of Eagan MN, and Jan Martin of Houston, along with nieces and nephews, Emilee and Abby Gohl, Tommy and Katie Martin and Zachary Brooks. He also is survived by many aunts, uncles and cousins. We all loved Mike so much and will miss him forever. BBB Advice for Online org>. Look for the BBB seal information. If a consumer record of your purchase. Shoppers and other widely-recognized receives such an email, the 9. Check your credit card After Black Friday and "trust marks"onretailerweb- BBB recommends pickingstatements often - Don't Small Business Saturday, sites. Always remember to up the phone and calling the wait for paper statements; the shoppers have one last chance click on the seals to confirm retailer you dealt with or your BBB recommends consumers to get a jump on their holiday that they are valid, credit card provider to con- check their credit card state- shopping - Cyber Monday! 3. Protect your personal finn there really is a problem ments for suspicious activ- In recent years, Cyber information - Take the time with the transaction, ity by checking statements Monday - the Monday after to read the privacy policy of Always be extremely pro- online regularly or by calling Black Friday - has grown websites you visit and under- tective of your personal and their credit card companies if increasingly popular among stand what personal infor- fmancial information, fraud is suspected. consumers looking to take motion is being collected 6. Confirm your online10. Know your rights advantage of online clearance and how it will be used. If purchase is secure - - Federal law requires that sales that retailers offer after you don't see one posted, be Shoppers should always look orders made by mail, phone Black Friday's rush is over. aware your information may in the address box for the "s" or online be shipped by the Better Business Bureau of be sold to others without your in https://and in the lower- date promised or, if no deliv- Minnesota and North Dakota permission, right comer for the "lock" ery time was stated, within (BBB) suggests people look- 4. Beware of deals that symbol before paying. 30 days. If the goods aren't ing to take advantage of sound too good to be true 7. Pay with a credit card shipped on time, the shop- Cyber Monday offers on - Offers on websites and in - It's often best to use a credit per can cancel and demand December 2 - or those who unsolicited emails can often card, because under federal a refund. There is no general prefer to do their shopping sound too good to be true law, the shopper can dispute three-day cancellation right, online - follow these simple - especially ones offering the charge if he or she doesn't but consumers do have the steps to help ensure success- extremely low prices. When receive the item. Shoppers right to reject merchandise ful transactions and avoid visiting a website, look for also have dispute rights if if it's defective or was mis- becoming a victim of fraud: misspellings and grammati- there are unauthorized charg- represented. Otherwise, it's 1. Protect your computer cal errors, as these are signs es on their credit card or the company's policies that - A computer should always the site might be fraudulent, merchandise they receive is determine if the shopper have the most recent updates Trust your instincts. Don't damaged or defective, can cancel the purchase and installed for spam filters, be afraid to pass up "deals" 8. Keep documenta- receive a refund or credit. anti-virus and anti-spyware that might cost you money tion of your order - After For more advice on stay- software and a secure fire- instead of saving you money, completing the online order ing safe online this holiday wall. 5. Beware of phishing - process, there should be a season, visit 2. Stick to trustworthy Legitimate businesses do not final confirmation page or the sumer-tips-holiday/. websites - Check on the send emails claiming prob- shopper might receive confir- seller's reputation and record lems with an order or an motion by email. Save a copy for customer satisfaction at account to lure the "buyer" of that as well as any emails