SATURDAY, NOVEMBER 17, 2018 ❚ SIUSLAW NEWS 850 ܂ VEH. & BOAT PROMO 850 ܂ VEH. & BOAT PROMO 850 ܂ VEH. & BOAT PROMO 990 ܂ STATEWIDE CLASSIFIEDS Four Ideas For Health Care Planning In Retirement Reduced 2000 NASH 20’ RV Pull trailer. Clean, beautiful interior, stove, oven, sleeps 5, bathtub, awning, stereo/CD, camping ready. $6,495 760-822-1996 2013 LINCOLN MKZ 2016 ROCKWOOD LITE 60K mi., Xlnt cond., fully equipped, 28mpg highway. $13,900 541-999-8942 1992 TOYOTA PU 2009 FORD F-150 4WD Low mileage, elec. brake controller, purchased & serviced locally. $19,750 541-999-4175 Xtra Cab Deluxe pickup, V6, 4WD, 3.0L, 5spd. 264K mi., $3,500 OBO 541-999-1968 25’, queen bed, couch, slide out, P/awning, TV & stereo. 13.5K BTU roof A/C, nice kitchen, outside BBQ & speakers, Alum. wheels, maple cabinetry, great cond. $22,500 541-590-3758 Reduce Reuse Recycle Reduce Reuse Recycle Reduce Reuse Recycle Brought to you by this newspaper in partnership with PUBLIC NOTICES Always in your newspaper: Now in your inbox, too. I f n o b o d y k n o w s w h a t ’ s g o i n g o n , n o b o d y c a n d o a n y t h i n g a b o u t i t . That Th T h at’s at t ’s ’ s w hy y w e ke e ep e p s sa a y in ay ing g y ourr l loc ocal al and sta tate t g ov v e r nm n m en n t sh h ou u ld l d k eep e e p ee p u bl pu b is ishi hing ng g t the heir ir p pub ub b lil i c no noti ticess in n t the he n newsp pap aper er.. N o w yo you o u ca c a n st t ay a y inf i nf n for o r me or med e d AND AN N D kee e p th h o s e pu p ub b l ic n ot o t ic c es e s i in n th h e ne n e ws w pa p a pe er. r J stt g Ju go o to t o p u ub b li i cn cnot n ot o tic t i ceads d .com/o ds /or, sig gn u up p f or r t h he e f fre r e e Sm re m a ar r t tS S e ea a rc r c h se s e rvic rv v ic ce, , an n d g ge e ett a al l l o of f t hi hiss p pa a pe e r r’’ s pu p u bl b l lic i c n ic not ottic i es s d del e iv el i er ered e d t o y ed yo o u vi v i a em m ai a l.l publicnoticeads.com/or (NAPSA)—The Employ- ee Benefi t Research Insti- tute estimates that a typi- cal 65-year-old couple will spend a total of $265,000 in health care costs over the remainder of their lives. This staggering amount of money has the potential to derail even the best-laid re- tirement plans. Vanguard and Mercer recently developed a new framework, “Planning for Health Care Costs in Retire- ment,” that identifi es practi- cal tips for forecasting your health care expenses. Here are four top ideas: 1. Personalize health care costs. Start by un- derstanding how your health history and current health status will infl uence expenses. Even your geo- graphic location, marital status and age at retire- ment will impact your fore- casts. 2. Plan for long-term care. This is a tough one to assess because half of retir- ees won’t even incur these costs, but on the other end of the spectrum, 15 percent of retirees will spend more than $250,000. Consider po- tential long-term care op- tions, such as unpaid care from family and less-expen- sive available facilities. Did You Know? Invasive pests can easily hide in fruits and vegetables and on plants, then quickly spread to new areas when sent through the mail, says the USDA. Learn more at www.HungryPests.com. Stone wool insu- lation is an excellent acoustic barrier that ac- tually absorbs the sound. Rockwool Safe ’n’ Sound stone wool insulation is a performance-tested product that provides higher sound absorption against ranges that other insulation struggles to block. Learn more at www.rock wool.com/ products/safensound. You may be able to en- sure better health for yourself and your family by selling your life insur- ance policy. 3. Create a hedge in your budget for other ex- penses. Research shows that retirement spending in virtually all categories other than health care tends to decline with age. By fore- casting steady spending in other expense areas, you may create a buffer in your budget to deal with rising health care expenses. 4. Forecast costs in an- nual spending. There are so many variables involved in estimating health care costs in retirement that trying to plan around a total lifetime budget can be overwhelming. Experts recommend that you focus on annual spending plans instead, provided that you understand costs will rise as you age. For seniors who are struggling to fi nd cash in their retirement budgets to offset unexpected health care expenses, it may be a good idea to take stock right now of all your assets. Many seniors are surprised to learn that one potential asset for generating imme- diate cash is a life insurance policy. You should review your life insurance policy from time to time and determine whether or not it’s still need- ed. A life insurance policy is considered your personal property, so you have the right to sell it anytime you like. When a consumer sells a policy—something called a “life settlement” transac- tion—the policy owner re- ceives a cash payment and the purchaser of the policy assumes all future premium payments, then receives the death benefi t upon the death of the insured. Can- didates for life settlements are typically aged 70 years or older, with a life insur- ance policy that has a death benefi t of at least $100,000. If you own a life insur- ance policy you no longer need or can afford, you may be able to generate im- mediate cash to pay your health care expenses by selling that policy for im- mediate cash. To learn more about life settlements, visit www.LISA. org or call the LISA offi ce to- day at 888-921-3793. 999 ܂ PUBLIC NOTICE 9B 990 ܂ STATEWIDE CLASSIFIEDS PROFESSIONAL SAVE on Medicare Supplement Insurance! FAST and FREE Quote from eHealth. Compare! Call NOW! (Annual Election Period October 15th - December 7th.) CALL 1-855-370-2770. DENTAL INSURANCE. Call Physicians Mutual Insurance Company for details. NOT just a discount plan, REAL cov- erage for 350 procedures. 844-239-9335 or http://www. dental50plus.com/25 Ad# 6118 SERVICES: AT&T Unlimited Talk and Text. Get a new device every year with AT&T NEXT! Call us today 1-855-593-4474. 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For dinner reservations or questions contact the District offi ce at: Siuswcd@gmail.com 1775 Laurel Way #4 Florence, OR 97439 (541)991-0211 or (541)997-1272 Publication Date: November 17, 2018 Vehicle & Boat Promotional advertising section 850 will continue to run your ad until SOLD providing you call the Siuslaw News 541-997-3441 Before the end of the month. (No Commercial Vehicles) INVENTORS - FREE INFORMATION PACKAGE. Have your product idea developed affordably by the Research & Development pros and presented to manufacturers. Call 1-855-404-7583 for a Free Idea Starter Guide. Submit your idea for a free consultation. DIRECTV NOW. No Satellite Needed. $40/month. 65 Channels. Stream Breaking News, Live Events, Sports & On Demand Titles. No Annual Contract. No Commitment. CALL 1-844-269-0236. MISCELLANEOUS: NJOY 100% guaranteed, delivered to-the-door Omaha Steaks! Makes a great Holiday gift! SAVE 75% PLUS get 4 FREE Burgers! Order The Family Gourmet Feast - ONLY $49.99. 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WE COME TO YOU! 541-759-2942 Licensed & Insured • Serving Coos, Curry, Lane and Douglas Counties Siuslaw News Yellow Directory D-245 Homemade Bread Day November 17, 2018 CCB#150484 STOVES – PELLET / GAS ACE STOVE Fall Cleaning Service – Schedule NOW! Pellet stove – $135 • Gas Stove – $110 Service Calls – $110 CCB#87690 Call for an appointment 541-420-4082 D-266 P.O. Box 10 • 148 Maple Street Florence, Oregon 97439 (541) 997-3441 • Fax: (541) 997-7979 Graphic Search Saturday’s Graphic D-222 EXCAVATING WINDOWS Yes! WE DO WINDOWS! Window Cleaning Commercial • Residential Connie, Bill & Mike Spinner–997-8721 Good Luck MANIETTA KROEGER found the National Young Reader’s Here is how it works… Week graphic on page 8B (Upper left corner of promo We will put a graphic or photo in the box to the left. photo – 1978 EZOLA UTILITY TRAILER). She won a book You find it somewhere in the classifieds. Come into our by Resident Humor Author Ned Hickson. office, Enter your name, phone number and describe where you found the graphic or bring in a clipping to Gift Certificates must be picked up within 2 weeks of winning attach to your entry into the drawing for a gift certificate. Deadline for today’s paper: Monday by 2:00 PM www.thesiuslawnews.com Wednesday’s Graphic