SATURDAY, NOVEMBER 17, 2018 ❚ SIUSLAW NEWS
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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
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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 .
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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
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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
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999 ܂ PUBLIC
NOTICE
NOTICE OF ANNUAL MEETING
SIUSLAW SOIL & WATER CONSERVATION DISTRICT
The Siuslaw Soil & Water Conservation District will hold
its Annual Meeting, Dinner and Board Meeting on Monday,
Dec. 3, 2018 at:
Driftwood Shores Resort, 88416 First Ave.,
Florence, Oregon 97439
The Buffet Dinner will begin at 6:30 pm
Annual Meeting at 7:30 pm
Board Meeting at 8:30 pm
The meetings are free and open to the public (no RSVP
required unless attending dinner).
Cost of the Buffet Dinner is $20 per person, RSVP re-
quired by November 28, 2018.
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
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Y
ELLOW
D
IRECTORY
S
ERVICES
N eed a C ontractor? L ooking for a P rofessional?
D-070
CONSTRUCTION/CONTRACTORS
D-085
DEQ#37263
Ray Wells, Inc
REAL ESTATE
Lynnette Wikstrom – Broker
(541) 999-0786
CB# 91052
E XCAVATING • S EPTIC S YSTEMS • S UBDIVISIONS
L AND C LEARING • P AVING • T RUCKING
B RUSH & D EBRIS R ECYCLING • D EMOLITION
Living in the Florence area since 1979.
COAST REAL ESTATE
P H . 541-997-2054 • F AX 541-997-3499 • 1-877-201-0652
100 Highway 101
Florence, OR 97439
P.O. B OX 3467 • 1770 L AUREL P L . • F LORENCE , OR 97439
Robert’s Handyman Service
D-182
PEST CONTROL
D-0230
ROOFING / CONTRACTORS
G ENERAL C ONTRACTOR
We specialize in Structural Problems and Dry Rot
For What’s Bugging You
Call Robert or Marcus
541-997-5970 • 541-991-7870 (cell)
Environmentally Responsible
Free Inspections
30 Years Experience • Reasonable Rates• Senior Discount • Lic. #209676
541-997-4027
ANGLE & SQUARE LLC
General Contractor
HOME REPAIR SERVICES• CUSTOM CARPENTRY
QUALITY OF LIFE SOLUTIONS
CCB#216910
Call Jeff 541-590-3400
Insured & Bonded
“Doing the Right Thing the Right Way”
angleandsquare345@gmail.com • www.angleandsquare.com
McLennan Construction, Inc.
Off ering all types of ROOFING
Great References, Senior Discounts
Licensed & Insured • Established 2002
CCB#79884
D-220
541-521-7303
RV ROOF REPAIR
Jim’s RV Services
Mobile RV Roof Repair
Decor® White Acrylic Rubber or White Fiber Glass Roof
Replacement & Renewal. Vent & Seam Resealing & Calking.
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
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Saturday’s
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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
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