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Look For The Homes Section Inside •••••JUNE 01 , 2022•••••
641-208-5505
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ductibles • Dental, vision and hearing care • A portion of premiums for tax-qualified longterm care insurance • Other out-of-pocket medical expenses.
Your Health Savings Account Can Be a Retirement Planning Tool If you’re retired, one of the biggest expenses you may be confronted with on a regular basis is healthcare. Even if you’re enrolled in Medicare, you may need to pay various medical costs out-of-pocket – and, in general, costs are going up, not down. Fortunately, there are tools that can help make these expenses more manageable, one of which may be a Health Savings Account, or HSA. If an HSA is available to you, you may want to explore its potential benefits. Here’s a primer. A targeted, tax-advantaged savings tool HSAs are savings plans associated with high deductible health insurance policies. Many employers offer the option of choosing such a policy, but if you’re retired, it may alternatively be available to you if you purchase individual coverage. HSAs are funded with pre-tax dollars. For those still working, this can be done through payroll deductions (made before income tax withholding is calculated on each paycheck). Otherwise, it can be done through tax-deductible contributions. Money in the account can be invested and grow on a tax-deferred basis. If funds are used to pay for qualifying medical expenses, they can be withdrawn with no federal taxes due and, in most cases, no state taxes as well (check with your tax advisor to find out what rules apply in your case). In 2022, you can make a contribution of up to $3,650 in an HSA ($4,650 for an individual age 55 or older). A couple can contribute up to $7,300 per year (or $9,300 if both are age 55+). A flexible account for retirees Any dollars remaining in your HSA can continue to accumulate in your account and be available to help offset medical expenses in retirement. At that time, you can withdraw dollars from your HSA on a tax-free basis to meet expenses such as: • Medicare premiums • Health insurance de-
Good planning makes a difference You can participate in an HSA prior to age 65, the age at which you qualify to enroll in Medicare. While saving in the plan you may want to try to retain as many assets as you can in the HSA in order to take full advantage of it as a retirement savings vehicle. Talk with your financial advisor to learn more about how an HSA can be incorporated into your comprehensive plan for retirement. Duane J Lusson, CFP, ChFC, CLU, MSFS, is a Private Wealth Advisor with Ameriprise Financial Services, Inc. in Ottumwa, Iowa. He specializes in feebased financial planning and asset management strategies and has been in practice for 30 years. To contact him, call 641684-4200 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. © 2022 Ameriprise Financial, Inc. All rights reserved. File #4672141
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3 DAY SALE 10/ 10 $
Our Special Recipe bratwurst links or patties
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JUNE 3 - 5
3.88
Hy-Vee purified drinking water 40 pack bottles 16.9 fl. oz.
select varieties, regular or skinless, 3.75 oz. each
5/ 5
1.99
select varieties, 12 or 16 oz.
select varieties, gallon (limit 1)
$
Hy-Vee pasta
That’s Smart! milk
1.77
Hy-Vee One Step russet potatoes 5 lb. pkg.
4.99
8.99lb.
Hy-Vee salad, coleslaw or baked beans
Hy-Vee quality sliced roast beef select varieties
select varieties, 3 lb.
9.99
Bakery fresh jumbo variety pack muffins select varieties, 9 count
5.99
Quilted Northern bath tissue 6 mega rolls or Brawny paper towels
16.98
21.99
select varieties, 42 count
24 pack cans or bottles 12 fl. oz., plus deposit
Frito-Lay mega pack
Michelob Ultra
4 double rolls or 6 large rolls, select varieties
RACE TIME
INDYCAR SHOW Come see the #45 car at the South Ottumwa Hy-Vee on Sunday, June 5th from 10 a.m. to 2 p.m. Valid Friday, June 3rd through Sunday, June 5th, 2022 at your Ottumwa Hy-Vee stores.
Ottumwa
Voted #1 Grocery Store in Ottumwa!
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Ray’s Longbranch Homemade 1/2 lb. Tenderloins & Hamburgers Drakesville, IA • 722-3355
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connection. For several years, a doe has had her fawn and hidden it on the face of the dam. This is only about one hundred fifty yards from the house. We enjoyed watching her come and go and feed her baby. We assumed she parked her fawn there Safe at Home to be close enough to the house to keep I have noticed a predators away but far change in wildlife enough away to not activity during the past be bothered by the couple of months. dogs. Jag, the terrier, There seems to be has long since given more coyotes in the up on chasing deer. area as well as other With age has come predators such as bob the wisdom, he can cats, raccoons, and not catch them so he opossums. We have might as well save his no shortage of preda- energy for something tors. In the early evening, just after dark, it is not uncommon to hear coyotes howling and yipping not too far away. At the same time, we have seen deer and turkeys closer to the house than ever. It causes me to wonder if there is a
important. Billie, the poodle, would enjoy chasing the deer but is stopped by his electronic collar. When deer get close, he will run to his boundary and bark ferociously. The deer have learned they are safe past a certain line and only watch him with indifference. This spring, the doe on the dam is back. We have not seen a fawn yet which may yet be born. Another doe in hanging around just past the little shed. She has been coming and going but spends most of her time about sixty yards (Outdoors cont’d on pg 7)
JUNE 01 , 2022 (Outdoors cont’d from pg 6)
ten yards past Billie’s boundary. When Billie sees her, he barks at her, but she lays down and ignores him. This morning, up by raspberries, I spooked a hen turkey off her nest. She has set up housekeeping quite close to the house. It is not like there are a shortage of places to nest around the farm in timbers, fence rows, or hay fields. She also must feel a level of security living near civilization. We will not have a problem with wildlife moving ever closer to the house if they do not get too pushy about it. When the deer start eating the flowers on the porch or the turkeys attack the green beans next to the house, we may have to have a discussion about the living arrangements. I can understand animals such as bluebirds, orioles, and wrens being attracted to the safety of the house but find it unusual turkeys and deer will also seek safety from us. Apparently, they feel we pose less of a threat to them than their natural predators. They feel safe at home with us nearby.
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FAMILY
FUN DAY! TH li SATURDAY, JUNE 18 ! e D e ic v r e -S Full
HUGE H UGE SELECTION SELECTION OF OF HUGE SELECTION OF CANDY, CANDY, C CHOCOLATES, HOCOLATES, CANDY, & MUCH MUCHOCOLATES, CH MORE! MORE!
Always A lFw REE REaEysIceFFREE cream, Ice IcePop cream, crceam, orn, & Popcorn Popcorn & Coffee Coffee
Coffee
& MUCH MORE!
NOSTALGIC TOYS
SATURDAY, JUNE 18TH! FAMILY FUN DAY!
FREE Tethered
FREE CRAFTS FREE Hot AirTETHERED Balloon Rides! FREE CRAFTS AND FACE Approx. 7 am setupRIDES! HOTTethers AIRrun BALLOON AND FACE FOR PAINTING as long as the propane lasts, THEFOR KIDS! PAINTING
THE KIDS ALL DAY!
weather permitting COME EARLY! 7 AM SETUP
Tethers run as long as the propane lasts 2 hours), weather permitting Store Hours: Mon -(approx. Fri 9am-6pm | Sat 8am-5pm | Sun Closed
Ottumwa Post App
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