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Insert Inside! •••••DECEMBER 29, 2021•••••
Many of us take advantage of a new year to turn over a new leaf. This can include everything from starting a new exercise regimen to committing to cooking more at home. It’s also a prime time to assess your current financial situation and take concrete steps to imResolve to Take Control prove it. of Your Finances in The Here are a New Year variety of steps to take as the New Year begins to enhance your financial life. Some may be more appropriate than others for your circumstances. Review where you stand Start by taking a comprehensive look at your current financial position. Are you generating enough income to meet expenses? Where could you cut back on living costs? Are there loans or debt you can pay off quicker? Are you saving enough for your key goals? Ask the tough questions to get a good sense of where you stand. Then consider any of these following steps that seem appropriate. Deal with debt Make a plan to pay down debts as quickly as you can. A priority should be to repay high interest borrowing like credit card debt as quickly as possible. To the extent loans are manageable, you can continue to make monthly payments, but the more you pay off, the easier it will be on your monthly budget. (Financial cont’d on pg 5)
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shoe. My foot was stuck, and it was very awkward, making it nearly impossible to walk. It was like trying to ride a horse when the saddle was loose. Melissa was laughing at my misfortune.
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I adjusted the straps on my daughter’s snowshoes, then for Melissa. With their now jumbosized footwear, they shuffled out the garage door to the driveway where they would wait for me. I put my snowshoes on. Mine is an older, very large pair I had acquired. I hadn’t used them before, and the straps seemed odd. They weren’t like our other snowshoes or any I’d seen, but I figured them out as best I could. I tightened them up then joined the girls in the driveway. We were headed out for a nighttime walk in the fresh snow with our headlamps and flashlights. We didn’t get out of the driveway before my left foot slipped, coming free from the straps. The toe of my boot worked through the opening of my snow-
DECEMBER 29, 2021
to release the snowshoe strap in the dark, and it moved up around my ankle.
I began limping back to the house. I took a normal step, as normal a step as one can take when wearing these I stopped, freed my foot, oversized, neanderthal adjusted, and re-buckled style tennis rackets the straps. Again, I felt strapped to their feet, they well fastened and then pulled my right foot stood back up. Yes, this ahead, with the snowfelt much better. shoe dragging behind me. Snow gathered in Along with my trusty dog front of the shoe like a June, the three of us snowplow. I repeated began walking down the the move several times. quiet street. We made it Soon my left snowshoe about fifty steps before released itself and fell my right foot slipped off my foot...except for loose from the straps the strap that was still and went out the opening around my ankle. Now in the snowshoe. It was both shoes were dragno use. I surrendered to ging in the snow with reality, reality being that each step as I walked I didn’t know how the back to the garage. It straps on these snowmust have been a pashoes were supposed to thetic sight – at least work. a humorous sight. Between their hardy spells I knelt to tend to the mis- of laughter, the girls fitting apparatus. Melissa called out, “Are you offered a light while tryokay? Do you need ing to stifle her snickers. help?” I declined her offer. Annie offered, “Do you want “Leave me alone.” I some light, Dad?” snapped while trudging through the heavy, “No! I’m fine,” I said fresh snow. Okay, I was as she was laughing laughing along with them with Melissa. It was a under my breath, but I struggle, but I got my toe wasn’t going to let them unstuck from the snowknow that. shoe. Unfortunately, I couldn’t find the buckle Back inside the garage,
I removed the troubled contraptions from my feet, and put on a heavier pair of snow boots, then rejoined the girls out in the street. We headed down the road, then crossed the highway. The temperature was 20 degrees, but it didn’t feel that cold as the wind was calm. Snow was still falling lightly. We walked a few hundred feet down the next road, then turned, following a short trail that leads to a section of the Superior Hiking Trail. Annie complained, “My gloves are hardly even gloves. They certainly weren’t made for this weather, and her hands were cold. I offered my gloves to her, but she refused. I took my gloves off, sliding them over the gloves on her hands. She said she wasn’t going to take them. “Fine,” I said, “Take them off and throw them on the ground because I am not going to wear them either.” I pushed my hands into my coat pockets and walked off. It felt strange walking with my hands in my pockets, so I took them out. Next, I pulled my (Just the Other Day con’t on pg 3)
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(Just the Other Day cont’d from pg 2)
coat sleeves over my hands, then adjusted the Velcro to close the ends. About fifteen minutes later, Annie said her hands were warmed, insisting I should take my gloves back. I assured her my hands were plenty warm, but she doubted me. I opened the Velcro on my sleeve, poked my hand out, then touched the side of her face. “Do these hands feel cold or warm to you?” I asked as I felt the cold of her cheeks.
Anniversary Notice
“Oh my gosh, they feel good! How do your Cecil and Eleanor hands stay warm without Simonton, longtime resigloves?” She asked. dents of Ottumwa, are “It’s magic.” was the best celebrating 75 years of marriage this weekend. answer I had for her. They will be accompanied by four of their five ...in the trees...a feeling to last forever...hot choc- sons and numerous grandchildren and some olate... great-grandchildren to For the rest of the story help celebrate the movisit ottumwapost.com. mentous occasion. Cecil is a World War II veteran who met his bride while stationed in Canada. After the war he went on to get his Masters of Divin-
ity degree from Phillips University and ended up serving at Davis Street Christian Church for 24 years before retiring. Cecil and Eleanor have five sons raised in Ottumwa, Iowa, Wayne, David, Tim, Tom, and James. They also have 22 grandchildren and 31 great-grandchildren. They are currently living in NW Arkansas with their oldest son. Please rejoice with us for this wonderful couple!
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Checking on the Neighbors An enjoyable part of our weekend routine is to go out and check the trail cameras. This gives my wife and me a good excuse to spend some time enjoying nature. Without a good excuse, we may or may not take the time to drop everything and go ride around the farm. If a person has a camera or cameras out, it is a good idea to check them at least weekly. If you let them go for two or even three weeks, the number of pictures can be staggering. It takes a long time to scroll through and delete two or three thousand pictures. A person does not dare delete the whole batch
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because there might be a photo of something great that you would want to save. This year, we have obtained several unique pictures. We have one of a buck standing about six inches from the camera. All that is visible is the top of his head and part of his antlers. There is one of four bucks walking toward the camera across a food plot. They look like the outlaws walking into Tombstone toward the OK corral. There is a picture of a freak buck with four points on one side and one great big, long tine on the other. We have several pictures of
bucks fighting and one of a big, fat bob cat. Unique pictures like these make checking the pictures fun after returning home from the trip. Breeding season for deer is pretty much over but I have left the cameras at the scrapes, signposts for deer during rut, mostly so I can remember where they are. If I move the cameras around to much, I usually forget where
I put one of them. One time, we lost one camera for close to a year. There were a lot of pictures on it before the battery went dead. Most cameras have a setting to adjust the time delay between pictures. When the camera senses movement, it will take a picture and wait for a pre-set time before it takes another, even if there is movement. The default setting is usually thirty seconds, but I have set mine to two minutes. If a flock of turkeys stops to graze in the food
plot where the camera is pointed, it is better to have thirty pictures of them over a period of an hour rather than one hundred twenty pictures over the same time period. One or two pictures of a flock of turkeys is plenty. One hundred twenty pictures of them are just annoying. We enjoy our weekend outings, and it is fun to see what neighbors are out there sharing our outdoors.
DECEMBER 29, 2021
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to get that process started now. It may be beneficial to consult with a financial Build your savings Financial security is closely advisor to help you find a path to a more prosperous related to the amount of money you have available future. to you. Commit to building Duane J Lusson, CFP, ChFC, up an “emergency fund” equal to six months of your CLU, MSFS, is a Private Wealth Advisor with Ameriprise Financial income to help deal with Services, Inc. in Ottumwa, Iowa. unexpected short-term He specializes in fee-based finanneeds. Then commit to cial planning and asset manageboosting your retirement ment strategies and has been in savings contributions per practice for 30 years. To contact month if you can. (Financial cont’d from pg 1)
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Resolve to get a better job Many employers are having a hard time finding the right kind of people to fill roles. This may be the best opportunity in a long time to find a job that offers better compensation and that you may actually find more enjoyable. Invest more effectively Do you think you might be able to get more out of your portfolio? Take a closer look at what’s working and what isn’t. It may be time to “cut your losses” on investments that have proven to be disappointing while putting some of that money to work in assets that offer greater potential. Make 2022 different If you feel like there’s more you could be doing to shore up your financial position, make a pledge
him, call 641-684-4200 or stop by his office at 527 W. Second in Ottumwa, Iowa. Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser. Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2021 Ameriprise Financial, Inc. All rights reserved. File #3937659
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DECEMBER 29, 2021
Valid Friday, December 31, 2021 at your Ottumwa Hy-Vee stores.
Ottumwa
Voted #1 Grocery Store in Ottumwa!
NEW YEAR’S EVE
ONE DAY SALE FRIDAY, DECEMBER 31, 2021
3.99
buy two, get two
4.99
Brew Pub Lotzza Motzza pizza
FREE
Fish Market cooked shrimp
select varieties 21.75 to 27.95 oz. (limit 1)
Coca-Cola products 2 liter
51 to 60 ct., 12 oz. pkg.
2.97
.39
Fresh ground beef
3.99
Hy-Vee chili style or kidney beans
80% lean 20% fat, 16 oz. roll
Hickory Country bacon 16 oz. (limit 2)
select varieties 15.5 oz.
Purchase two Wholly Guacamole select varieties 7.5 oz.
get one
Freshly made tortilla chips
select varieties 15 oz.
FREE
Save up to $4.04!
5.00
Mia Italian large single-topping pizza
5.99
Whole rotisserie chicken select varieties 27 to 29 oz.
select varieties 29 to 40.3 oz.
Voted #1 Wine & Spirits in Ottumwa!
14.99
Busch or Busch Light 24 pack cans 12 fl. oz.
17.99
Budweiser, Bud Light, Miller or Coors
22.99
16.99
select varieties 1.75 liter
select varieties 1.75 liter
Captain Morgan rum
Black Velvet whisky
select varieties 24 pack cans 12 fl. oz.
4.49
10.80
24.99
10/ 10
André champagne
LaMarca Prosecco wine
select varieties 750 ml.
select varieties 50 ml.
with purchase of 6 or more select varieties 750 ml. single bottle price 4.99
with purchase of 6 or more select varieties 750 ml. single bottle price 11.99
Crown Royal whisky
Plus deposit on applicable items.
$
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