WEDNESDAY, FEBRUARY 17, 2021 ❚ SIUSLAW NEWS
(NAPSI)—Many pre-re-
tirees spend their lives
putting the needs of their
loved ones fi rst. While the
support you provide to fam-
ily and friends is invaluable,
it’s important to also prior-
itize yourself, especially
when it comes to retirement
planning. Not properly plan-
ning and saving can have
long-lasting fi nancial con-
sequences and just might
lead you away from your
dream retirement.
The key to staying the
course is to consider a few
key tips to help enjoy your
golden years:
Consider your ideal re-
tirement lifestyle—Retire-
ment can last 25 years or
longer. As you progress
from a pre-retiree to a
retiree, your lifestyle will
likely change. Regardless
of what your ideal retire-
ment lifestyle looks like,
plan ahead for it. Do you
want to spend much time
traveling or do you want to
live a simpler life, spending
time gardening and knit-
ting? Thinking about your
future plans will help you
customize your budget to
what you plan to focus on
in retirement.
Prepare for unexpected
health expenses—Getting
ready for your dream retire-
ment does not only mean
you should save for the
expected expenses of your
golden age, but also the
unexpected. According to a
Center for a Secure Retire-
ment (CSR) study, nearly
four in fi ve (79%) middle-in-
come Boomers have no
money set aside specifi cal-
ly for their retirement care
needs. This despite the
fact that the U.S. Depart-
ment of Health and Human
Services estimates that
someone turning 65 today
has a nearly 70% chance
of requiring some type of
long-term care services
during their lifetime. The
average cost for a semi-pri-
vate room in a nursing
home (not including costs
of medications, therapies
and other services) in the
U.S. was about $89,297 in
2018, according to NAIC
data. You should begin
planning now for how you’ll
pay for ongoing care if you
need it. Get acquainted
with your health insurance
and Medicare benefi ts, and
consider options such as
Medicare Supplement in-
surance or long-term care
insurance to fi ll any gaps in
coverage.
Keep an eye on the
market—According
to
the CSR, more than half
(54%) of working adults say
their retirement planning
has taken a hit amid the
COVID-19 pandemic, with
losing money in the stock
market (36%) and being
forced to prioritize short-
term savings (36%) marked
as areas of top concern
for those whose retirement
has been impacted. Pre-re-
tirees may want to explore
alternate methods of retire-
ment savings. There are
several different options
such as 401(k), IRA or
other stock market invest-
ments. As you get closer
to retirement you may want
to consider moving savings
to less volatile investments
that are less subject to the
ups and downs of the mar-
ket. Saving money now
can help reduce the strain
of fi nancial hardships later
in life. Market prices often
fl uctuate, but by keeping an
eye on market trends, you
can help diminish the risk of
fi nancial loss.
It’s never too late to plan
for retirement. Connect with
a fi nancial advisor who can
help you better understand
your fi nancial plan and cur-
rent healthcare coverage.
By seeking the expertise of
others, you can anticipate
these common situations
and plan for any potential
unforeseen situations in the
future.
Moving? Art Project?
D-057
Please submit your entry for a chance
to win a gift certifi cate:
By E-mail Only
We need your name, phone number
and where you found the graphic or
an attached photo.
Email:
pmchale@thesiuslawnews.com
Submit entry by 2PM Th ursday
Graphic Winners
You can claim your $10 Gift
Certifi cate to the
Siuslaw News via email
(mberg@thesiuslawnews.com)
or telephone (541-997-3441).
The value is equal to 13 consecutive
Siuslaw News issues.
You may add it to your current
subscription or share with a friend.
We’ll Help You
Sell Your:
ATV / RV
Car / Truck
Boat / Canoe / Kayak
Motorcycle / Scooter
Heavy Equipment
We Guarantee It!
We’re so sure, well run your ad until it’s SOLD!
(No Commercial Sales)
(Customer must call or
Email: mberg@thesiuslawnews.com
before the end of the month to extend ad)
Only
$
39 70
Includes Black
& White Photo
REACH OVER
15,000 READERS A WEEK
Florence, Mapleton, Swisshome,
Gardiner, Reedsport.
Plus E-editions
Call or Email today:
541-997-3441
mberg@thesiuslawnews.com
CLEANING SERVICES
Major credit cards accepted
CARPET
CLEANING
STEAM OR DRY
Smoke • Water Cleanup
Certified-Bonded
PUBLIC NOTICES
Upholstery
CCB #96660
997-3825
Brought to you by this newspaper in partnership with
CCB #96660
Tweety Sez:
Consistent, Quality Cleaning.
tfc
997-2385.
Florence Janitorial Services
Always in your newspaper:
Now in your inbox, too.
For clean as a whistle, call
Bill and Jo Hine, Owners
CERTIFIED, LICENSED, BONDED & INSURED
D-065
CONCRETE / PAVING
Ant’s Concrete
Excavation, fl at work, sidewalks,
patios, demos and much more!
Call Anthony at 541.735.4836
CCB#197439
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 .
D-070 CONSTRUCTION/CONTRACTORS
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 ovv 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 k ee
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 t a
et
al l l o
of f t hi
hiss p
pa
a pe
e r r’ ’ s pu
p u bl
b lic
l ic
i c n
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
Graphic
Search
*This material provides general infor-
mation about the described insurance pro-
duct(s) for educational purposes only. This
is not intended as investment advice or to
recommend the insurance product(s). The
Center for a Secure Retirement does not
provide legal or tax advice. Each individual
should seek specifi c advice from their own
tax or legal advisors.
Hey Graphic Searchers
Business &
Service
Directory
Th e Siuslaw News is selling our end rolls,
blank newsprint.Prices range from $2.00 on up, de-
pending on size.
You can see our inventory at 148 Maple St.
in historic Old Town Florence.
Pisces, The Fish
(2/19-3/20)
Good Luck
Here is how it works…
We will put a graphic or photo in the box to
the left. You find it somewhere in the
classifieds. To enter your name into the
drawing for a gift certificate
Email Name, phone # and where you found it to:
pmchale@thesiuslawnews.com
Deadline for submitting: 2PM Thursday
Please claim prize within 2 weeks of winning.
JAN GAYNOR found the First
Public School Anniv. Graphic
on Page 6B (Jack Mobley
Construction - Middle of House
graphic). She has won a Gift
Certificate towards a Siuslaw
News Subscription.
CONSTRUCTION , Inc.
New Homes,
tfc
Additions
Remodels
& Home Repair
CCB#164861
D-077
ELECTRICAL
SIUSLAW VALLEY ELECTRIC, INC.
RESIDENTIAL • COMMERCIAL CONTRACTING
Ore. BBR No. 8689
Protect Your Financial Future: How To
Secure Your Dream Retirement
7B
1710 Laurel Way - Airport Industrial Park
Store Hours: Mon. thru Fri., 8 A.M. to Noon
Forrest G. Grigsby • Stanton E. Grigsby
P.O. Box 1216 • sve-1973-grigsby@hotmail.com
D-085
Phone 997-8821
FAX 997-3723
EXCAVATING
DEQ#37263
Ray Wells, Inc
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
P H . 541-997-2054 • F AX 541-997-3499 • 1-877-201-0652
P.O. B OX 3467 • 1770 L AUREL P L . • F LORENCE , OR 97439
D-0136 LEGAL / BANKRUPTCY SERVICES
Call today for a
FREE & confi dential meeting
with an experienced attorney
503.820.9359
1849 Hwy 126 Unit A-10 , Florence, OR 97439
Fax: 503.213.5876 • dan@garnerlawoffi ce.net
Saturday’s
Graphic
D-182
PEST CONTROL
For What’s Bugging You
Environmentally Responsible
Free Inspections
GARAGE SALES
COVID-19
CHECKLIST
• Display posters to remind customers about social distancing.
• Tables and chairs should be at least 6 feet apart.
• Use heavy-duty tape to form a fl ow for customers to follow
throughout the sale.
• Ask customers to stand in a line, while spread apart, during a high
traffi c times.
541-997-4027
CCB#79884
D-230
ROOFING / CONTRACTORS
McLennan Construction, Inc.
Off ering all types of ROOFING
Great References, Senior Discounts
Licensed & Insured • Established 2002
541-521-7303
D-266
CCB#150484
WINDOWS
DO WINDOWS!
Yes! WE Window
Cleaning
Commercial • Residential
Connie, Bill & Mike Spinner–997-8721
• Make sure all merchandise is washed and dried and/or wiped down
with a disinfectant product before placing on a table or chair for sale.
• Clean tables and chairs several times throughout the day.
• Supply hand sanitizer on tables and elsewhere
for customers.
• Wear masks and disposable gloves.
• Designate a person to take money from
customers and washing hands after every
transaction
Siuslaw News
148 Maple Street • PO Box 10 • Florence, OR 97439
(541) 997-3441 • thesiuslawnews.com
Siuslaw News Business &
Service Directory
P.O. Box 10 • 148 Maple Street,
Florence, Oregon 97439
(541) 997-3441
Fax: (541) 997-7979
VISIT US AT:
WWW.THESIUSLAWNEWS.COM