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About Cottage Grove sentinel. (Cottage Grove, Or.) 1909-current | View Entire Issue (Feb. 21, 2018)
10A COTTAGE GROVE SENTINEL FEBRUARY 21, 2018 Living 50 Plus in Cottage Grove Saving for retirement after 50 Whether it’s advice from their parents, a response to television ads urging viewers to save for retirement, or their own fi nan- cial savvy, many of today’s young professionals recognize the importance of saving for re- tirement from the moment they receive their fi rst paychecks. But men and women over 50 may not have been so practical, and many such professionals may feel a need to save more as their retirements draw ever closer. Saving for retirement might seem like a no-brainer, but the National Institute on Retirement Security notes that, in 2017, al- most 40 million households in the United States had no retire- ment savings at all. In addition, the Employee Benefi t Research Institute found that Americans have a retirement savings defi - cit of $4.3 trillion, meaning they have $4.3 trillion less in retire- ment savings than they should. Men and women over 50 who have retirement savings defi cits may need to go beyond deposit- ing more money in their retire- ment accounts in order to live comfortably and pay their bills in retirement. The following are a few simple ways to start sav- ing more for retirement. • Redirect nonessential ex- penses into savings. Some retirement accounts, such as IRAs, are governed by depos- it limits. But others, such as 401(k) retirement plans, have no such limits. Men and wom- en can examine their spending habits in an effort to fi nd areas where they can cut back on nonessential expenses, such as cable television subscriptions and dining out. Any money saved each month can then be redirected into savings and/or retirement accounts. • Reconsider your retirement date. Deciding to work past the age of 65 is another way men and women over 50 can save more for retirement. Many professionals now continue working past the age of 65 for a variety of reasons. Some may suspect they’ll grow bored in retirement, while others may keep working out of fi nancial need. Others may simply love their jobs and want to keep going until their passion runs out. Regardless of the reason, working past the age of 65 al- lows men and women to keep earning and saving for retire- ment, while also delaying the fi rst withdrawal from their re- tirement savings accounts. • Reconsider your current and future living situation. Housing costs are many peo- ple’s most considerable ex- Blooms to think about as you prepare spring gardens The arrival of spring is a wel- come occurrence for many peo- ple. Budding fl owers are among the harbingers of spring. Spring fl owers can revitalize win- ter-weary people just when they need it most — and provide re- assurance that brighter, warmer and longer hours of sunlight are just around the corner. Cold-tolerant fl owers are har- dy enough to start blooming before the last frosts have dissi- pated. Other fl owers will begin to fi ll in as days warm a little bit more, according to Better Homes and Gardens. Home gar- deners looking to warm up their gardens with early blooms can use these fl owers in their ear- ly-season containers, window boxes and planting beds. • Pansy: Pansies prefer cool weather, which can make them one of the best fl owers to plant in early spring and late fall. Pan- sies come in a variety of colors, so there’s bound to be an of- fering that will blend with any homeowners’ landscape design. • Creeping phlox: Also known “moss phlox,” creeping phlox is a short ground-cover that is a herbaceous perennial. Phlox produces small, fragrant fl owers in dense clusters, which can attract wildlife, such as but- terfl ies, to their mats across the soil surface. • Snowdrops: Snowdrops can peek out even when there is snow still on the ground — sometimes as early as January and February. But their name is actually a reference to their appearance, as snowdrops have three white petals that hang down like drops dripping off the stem. • Violets: These fl owers are closely related to pansies and, as a result, prefer cool seasons. Violets are generally slightly smaller than pansy blooms, but they can be just as beautiful. But as with pansies, violets will start to fade when the heat arrives. • Crocus: Crocus plants are relatively small, only reaching three to six inches in height. However, their grass-like leaves are some of the fi rst sprouts that can be seen among bulb and corm plantings. Preferring full to partial sun, these gold, pur- ple, lavender, white, or yellow fl owers can be enjoyed during the earliest days of spring. • Daffodil: Daffodil bulbs produce cheerful, yellow fl ow- ers in early spring. They’re one of the most recognizable fl owers thanks to their familiar shape and fragrant aroma. • Lenten rose: Hellebores, also called the Lenten rose or Christmas rose, can tolerate light frosts. These blooms get their name from the time of year when they bloom, which is typi- cally around the Christian Lent- en season. Despite their name, these delicate fl owers are not actually related to roses, how- ever. Early-blooming fl owers give winter-weary gardeners hope that spring has arrived Grove Medical Equipment “B UILDING A H EALTHY C OMMUNITY ” Y OUR L OCAL P ROVIDER OF H OME M EDICAL E QUIPMENT ! • OXYGEN • SLEEP THERAPY • WHEEL CHAIRS • HOSPITAL BEDS • WALK AIDS • SPECIALTY FITTINGS • SALES AND RENTALS • INSURANCE BILLING FOR SALES AND RENTALS 541-225-5443 grovemedical@outlook.com Join us on Facebook 148 Gateway Blvd (Bi Mart Plaza) pense, and that won’t neces- sarily change in retirement. Even men and women who have paid off their mortgages may benefi t by moving to a re- gion with lower taxes or stay- ing in the same area but down- sizing to a smaller home where their taxes and utility bills will be lower. Adults who decide to move to more affordable areas or into smaller, less expensive homes can then redirect the money they are saving into interest-bearing retirement or savings accounts. Many people begin saving for retirement the moment they cash their fi rst profession- al paycheck. But even adults over the age of 50 sometimes feel a need to save more as their retirement dates draw closer, and there are many ways to do just that. TURNING 65 AND NEED HELP WITH YOUR MEDICARE CHOICES? Call Paul to help simplify the complicated. 541-517-7362 Paul Henrichs ~ Independent Agent coverage4oregon@gmail.com Cottage Grove Sentinel www.cgsentinel.com @ cgsentinel @cgsentinel #cgsentinel Cottage-Grove-Sentinel STILL RUNNING OUT TO FETCH THE PAPER? 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