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About The Siuslaw news. (Florence, Lane County, Or.) 1960-current | View Entire Issue (Oct. 6, 2021)
SIUSLAW NEWS | WEDNESDAY, OCTOBER 6, 2021 | 7B Innovative Retirement Healthcare Solution Supports Retirement Preparedness (NAPSI)—According to the Social Secu- rity Administration, there are 65 million retirees in the U.S. If you or someone you care about is among them—or you expect to be someday—there could be good news for you. An innovative healthcare program can make paying for medical care in retirement much easier. According to the annual HSA Bank Health & Wealth IndexSM, ninety-three percent of consumers over 55 worry about current or future medical bills—and with good reason. Th is is a real problem for Americans and, according to a recent study by HealthView Services, it is estimated that a healthy, av- erage couple age 65, retiring in 2021, will spend $662,156 on healthcare expenses during retirement. Yet more than a third reported they rarely save money for future healthcare expenses. An Answer Th e retiree reimbursement arrangement (RRA) is a popular solution designed to sup- port workers into retirement. It lets employ- ers help their retirees off set healthcare costs in retirement even without a group retiree health plan. How It Works Retirees most commonly use RRAs for reimbursement of Medicare premiums, but they can also use it for expenses under Sec- tion 213(d) of the Internal Revenue Code, if the employer allows for it. All employer contributions are 100% tax-deductible to the employer and tax-free to the retiree. Here’s how to create one: Step 1: Employer set-up. Th e employer sets aside funds and determines how much employees can use each year in retirement Business & Service Directory D-040 BLINDS / WINDOW TREATMENTS Blinds • Shades • Draperies • Shutters We Design ~ We Install Residential • Commercial • 30 Years Experience 541-991-3405 A comfortable retirement may be easier to achieve for many workers and seniors thanks to a new way to prepay. until the fund is exhausted. Step 2: Rollover at retirement. If the employer also off ers an HRA (Health Re- imbursement Arrangement) and at retire- ment employees have money remaining in it, the employer may let employees roll that amount into their RRA. Step 3: Retiree uses benefi t. Retired em- ployees can use their RRA to pay Medicare premiums and other medical expenses. If the annual amount isn’t used, the employer may let retirees roll over the balance. Compared to defi ned benefi t retiree healthcare plans, RRAs can be a more pre- dictable and cost-eff ective option for em- ployers to continue to provide for their em- ployees into retirement. Expert Opinions “RRAs are a great way for employers who off er Health Savings Accounts (HSAs) to continue to play a part in the well-being of their employees into retirement, and are part of a larger focus of HSA Bank to pro- vide peace of mind and fi nancial security for consumers throughout their lives,” ex- plained Chad Wilkins, President of HSA Bank which off ers the plan. Th at’s part of the bank’s work toward a world where everyone is empowered to save for a healthy future. By providing the right tools and resources, it makes it simple for its 3 million members nationwide to maximize their savings for healthcare and long-term goals. Learn More For further facts about RRAs and other healthcare spending and savings products, visit www.hsabank.com. Located in Florence CCB#212734 D-057 CLEANING SERVICES CCB #96660 Tweety Sez: Consistent, Quality Cleaning. tfc 997-2385. Florence Janitorial Services For clean as a whistle, call Bill and Jo Hine, Owners CERTIFIED, LICENSED, BONDED & INSURED Major credit cards accepted CARPET CLEANING STEAM OR DRY Smoke • Water Cleanup Certified-Bonded D-065 Upholstery CCB #96660 997-3825 CONCRETE / PAVING Ant’s Concrete Hey Graphic Searchers Graphic Winners Please submit your entry for a chance to win a gift certifi cate: You can claim your $20 Gift Certifi cate to BJ’s Ice Cream Parlor CCB#197439 D-070 CONSTRUCTION/CONTRACTORS By E-mail Only We need your name, phone number and where you found the graphic or an attached photo. Email: Stop into the offi ce at 148 Maple St. - Florence pmchale@thesiuslawnews.com Submit entry by 11AM Th ursday Offi ce Hours: Mon-Thurs 8am-5pm Friday 8am-Noon Closed Saturday & Sunday CONSTRUCTION , Inc. PUBLIC NOTICES Always in your newspaper: Now in your inbox, too. Decks • Remodels • Fences Since 1980 – Experience You Can Count On 530-913-8997 • Florence D-077 ELECTRICAL Ore. BBR No. 8689 RESIDENTIAL • COMMERCIAL CONTRACTING classifi eds@thesiuslawnews.com 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 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 . DEQ#37263 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.. “Yard Sale Checklist” We’re so sure, well run your ad until it’s SOLD! 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 classifi eds@thesiuslawnews.com 148 Maple Street • PO Box 10 • Florence, OR 97439 (541) 997-3441 • thesiuslawnews.com Yard Sale Graphic Search National Fire Prevention Week Oct. 3rd – Oct. 9th Wednesday’s Graphic D-0136 LEGAL SERVICES 1845 Hwy 126 Unit A-10, Florence, OR 97439 www.garnerlawoffi ce.net Have you ever hosted a yard sale with dismal sales? You Make a dollar per hour for your effects. No Fun. ★ Defi ne Your Goal Get rid of stuff fast? Make as much money as possible? What is the goal of your yard sale? ★ Schedule Your Sale If you’re moving, you may also be up against some tight deadlines that complicate things. If you have a lot of time, you can maximize your result by scheduling a few events that target special or seasonal items. ★ Merchandise Locate and sell anything you no longer want or need. Don’t base what you sell on what you would buy. Offer to sell stuff for family and friends. Look beyond household stuff as your merchandise. Take the time to wipe off the dust and dirt. ★ Differentiate Your Event Label your sale. Offer free delivery! Recruit the help of your neighbors. Offer free lemonade, cookies, or even just ice water. ★ Advertising Siuslaw News Garage Sale ads are $26 and includes 2 Garage Sale signs. ★ Supplies The right supplies can make your sale run more smoothly. So as you get closer to the big day, gather everything you need: markers, calculators, tables, shelves, boxes, bags, and more! ★ Pricing Are you selling things to make money or to get rid of them? This question affects everything you do, from how you price things to how willing you are to negotiate. ★ Staging If you really want more bang for your buck, borrow, from the big retailers’ playbook for how to display your merchandise, you can fi nd this online. ★ Avoid Problems The early birds, future burglars, being the hostess with the mostess are just a few problems that can come up. Prepare ahead of time! ★ Wrapping It Up Have a plan for what you’ll do with your unsold merchandise. Only $ 39 70 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 541.991.8121 If you want to add to your savings account or start an emergency fund by throwing a yard sale, use these tips to host an epic event. (Customer must call or Email: classifi eds@thesiuslawnews.com before the end of the month to extend ad) CB# 91052 Business Law Real Estate Law Free Consultations We Guarantee It! (No Commercial Sales) Ray Wells, Inc E XCAVATING • S EPTIC S YSTEMS • S UBDIVISIONS L AND C LEARING • P AVING • T RUCKING B RUSH & D EBRIS R ECYCLING • D EMOLITION 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 Phone 997-8821 FAX 997-3723 EXCAVATING 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 ATV / RV Car / Truck Boat / Canoe / Kayak Motorcycle / Scooter Heavy Equipment CCB#235052 SIUSLAW VALLEY ELECTRIC, INC. To Extend your placement in the classifi eds Please Call: 541-997-3441 or Email: We’ll Help You Sell Your: New Homes, tfc Additions Remodels & Home Repair CCB#164861 Brought to you by this newspaper in partnership with Vehicle Promo Advertising By the end of the month Excavation, fl at work, sidewalks, patios, demos and much more! Call Anthony at 541.735.4836 Here is how it works… We will put a graphic or photo in the box to the left. You find it somewhere in the classi- fieds. To enter your name into the drawing for a gift certificate Email Name, phone # and where you found it to: pmchale@thesiuslawnews.com 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 Siuslaw News Business & Service Directory P.O. Box 10 • 148 Maple Street, Florence, Oregon 97439 (541) 997-3441 • Fax: (541) 997-7979 Good Luck ROSALIE BRADDOCK found the National Newspaper Week Graphic on Page 7B (Coldwell Banker Coast Real Estate - left side in photo of house at 38 Spyglass Lane, MLS# 21131231.). She has won a $20 Gift Certificate to BJ’s Ice Cream Parlor. Gift Certificates must be claimed within 2 weeks of winning Deadline for today’s paper: Thursday by 11:00 AM Saturday’s Graphic