Shopper
The
#1 Source For FREE Community Info.
Internet Edition
Inside This Week Play Shopper Trivia for your chance to win Walt’s Gift Cards!
www.myshopper.biz - Visit The Shopper Online!
Wednesday • October 19 • 2016
WALT’S
SOUTH HOLLAND HOMEWOOD TINLEY PARK FRANKFORT CRETE DYER BEECHER
FOOD CENTERS
SALE DATES: WEDNESDAY, OCT. 19th thru TUESDAY, OCT. 25th, 2016
View Our Ad & Current Values at www.waltsfoods.com
STORE HOURS: Mon.-Sat. 7 am to 9 pm Sunday 7 am to 7 pm
WALT’S 1
Thank You For Honoring Us With Your Patronage!
Redeem All 6 Coupons With A $60 Purchase! (Coupons Not Available In Store)
WALT’S COUPON Kraft
Salad 16Dressing Oz.
LU 378
10
WALT’S COUPON
Assorted Varieties
LU 379
1
16 Oz.
99¢
$ 99
With This Coupon and a Separate $10.00 Purchase Per Coupon. Limit One Of Each Coupon Per Family Per Visit. Limit One Per Coupon. Coupon Good 10/19/16 - 10/25/16
With This Coupon and a Separate $10.00 Purchase Per Coupon. Limit One Of Each Coupon Per Family Per Visit. Limit One Per Coupon. Coupon Good 10/19/16 - 10/25/16
10
WALT’S COUPON Prego
LU 377
Oz.
1
$ 49 With This Coupon and a Separate $10.00 Purchase Per Coupon. Limit One Of Each Coupon Per Family Per Visit. Limit One Per Coupon. Coupon Good 10/19/16 - 10/25/16
10
WALT’S COUPON  � � �
Â?
LU 381
8 - 16 Oz.
1
$ 49 With This Coupon and a Separate $10.00 Purchase Per Coupon. Limit One Of Each Coupon Per Family Per Visit. Limit One Per Coupon. Coupon Good 10/19/16 - 10/25/16
10
WALT’S COUPON   Grade “AA�
LU 380
 € ‚ ƒ
$ 49
WALT’S We Have Just What You Need!
With This Coupon and a Separate $10.00 Purchase Per Coupon. Limit One Of Each Coupon Per Family Per Visit. Limit One Per Coupon. Coupon Good 10/19/16 - 10/25/16
10
WALT’S COUPON Centrella/Prairie Farms
Milk
Gallon
1
$ 79
With This Coupon and a Separate $10.00 Purchase Per Coupon. Limit One Of Each Coupon Per Family Per Visit. Limit One Per Coupon. Coupon Good 10/19/16 - 10/25/16
It’s National Save for Retirement Week – So Take Action BOB KRYGSHELD
#
10
Financial Advice Column
LU 376
Congress has dedicated the third week of October as Nationa l Save for Retirement Week. Clearly, the government feels t he need to urge people to do a better job of preparing for retirement. A re you doi ng a l l you can? Many of your peers aren’t – or at least they t hink t hey aren’t. In a recent survey conducted by Bankrate.com, r e s p ondent s r ep or t e d t h a t “n o t s a v i n g f o r retirement early enoughâ€? was their biggest financial reg ret. Ot her ev idence seems to show they have good cause for remorse: 52 % of households 55 and older haven’t saved anything for retirement, according to a report from t he U. S . G ov er n ment Accou nt abi l it y Of f ice, although half of this group reported having a pension. Obv iously, you’l l wa nt to avoid hav ing eit her f i na ncia l reg rets or major shortfalls in your retirement savings. And that means you may need to consider making moves such as these: • Take advantage of all your opportunities. You may wel l have access to more t ha n one ta xadva ntaged ret irement p l a n . Yo u r e m p l o y e r may of fer a 401( k) or similar plan, and even if you participate in your employer’s plan, you are probably still eligible to contribute to an IRA. You may not be able to afford to “ma x outâ€? on bot h plans, but try to contribute as much as you can afford. At the very least, put in enough to your employer’s plan to earn a matching cont r ibut ion, if one is offered, and boost your a n nu a l c ont r i but ion s every year in which your salary goes up. • Create an appropriate investment mix. It’s not enoug h ju st to i nvest regularly through your I R A , 4 01( k ) o r ot h e r retirement plan – you also need to invest wisely. You can fund your IRA with virtually any investments you choose, while your
401( k) or si m i la r pla n likely offers an array of investment accounts. So, bet ween your IR A a nd 401(k), you ca n create por t fol ios t hat ref lect your goals, risk tolerance a nd t i me hor i zon. It’s especially important that your investment mix offers sufficient growth potential to help you make progress towa rd t he ret i rement lifestyle you’ve envisioned. • D o n’t “ r a i d â€? y o u r retirement accounts early. If you start withdrawing from your traditional IRA before you turn 59½, you may have to pay a 10% ta x penalty in addition to normal income taxes due. (If you have a Roth I R A a nd s t a r t t a k i ng withdrawals before you a re 59½, t he ea r n i ngs will be taxed and may be subject to a 10% penalty – but contributions can be w it hd raw n w it hout a n y t a x a nd p e n a l t y consequences.) A s for you r 401(k) or si m i la r plan, you may be able to take out a loan, but you’ll h a v e t o p a y y ou r s e l f back to avoid any tax or pena lt y consequences. (Also, not all plans offer a loa n opt ion . ) More importantly, any money you t a ke out ea rly i s money that no longer has a chance to grow to help you meet your goals. Try to do ever y t h i ng you can, then, to keep your retirement plans intact u nt i l you ac t ua l ly do retire. One suggestion: Build an emergency fund containing three to six months’ worth of living expenses, kept in a liquid, low-risk vehicle outside your IRA or 401(k). Nat iona l Save for Retirement Week reminds us that we all must act to help ourselves retire comfortably. By making t he moves descr ibed above, you can do your part. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor ,Bob Krygsheld 501 W Exchange St. Crete, IL 60417 (708) 672-2892.