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•••••MARCH 16, 2022•••••

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Having spent decades saving for retirement, it can feel like a major shift for retirees to spend down their hard-earned assets. Research by the Employee Benefit Research Institute found people with $500,000 or more in savings at retirement Making Your Money Last spent down less than 12% in Retirement of their assets over 20 years.1 Many of these retirees are reluctant to dip into their principal for fear of running out of money due to the anticipation of increased healthcare expenses and other factors. If you share these concerns about the longevity of your savings, know there are steps you can take to help you feel more confident. Here are some tips to help you get started: Understand the arc of retirement spending. Annual expenses generally are highest within the first few years of retirement. This is because retirees are often taking advantage of their newfound leisure time to pursue hobbies, travel, dine out and shop. Spending tends to slow down with advancing age. You may find it reassuring to realize there’s a good chance your lifestyle expenses in retirement could level out or decrease over time.

Plan for healthcare costs. Healthcare is consuming an increasing proportion of many retirees’ income. You can start preparing for these expenses today by (Financial cont’d on pg 6)

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*Visit us online at www.vaughnautomotive.com for pricing details. Current rebates are valid until 3/31/22.

Located on Quincy & 34 West 1311 Vaughn Drive, Ottumwa 641-682-4574 Mon. – Thurs. 8:30am – 7pm; Fri. 8:30am – 6pm; Sat. 9am - 5pm

www.vaughnautomotive.com

WE WILL BUY YOUR CAR.WE WILL PAY TOP DOLLAR FOR VEHICLES OF ANY BRAND

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MARCH 16, 2022

in the refrigerator, stirring them into the mix.

Locked Out I sensed something had moved on the couch.

It was uncomfortable, causing me to wake up. I opened my eyes and saw a three-quarter round blue oval with the letters “DVD” floating aimlessly about the air on the far side of the room. I thought I was hallucinating.

It turns out the movement on the couch was our thirty-five-pound dog, who was now attempting to sit on my head. I quickly realized I had fallen asleep on the sofa watching M*A*S*H. My wife must have opened the bedroom door upstairs for June; either she needs to go out, or Melissa sent the dog to retrieve me to come to bed.

I checked the clock on my cell phone; I couldn’t go back to bed. It was time to get up, but why was it so dark outside?

In the kitchen, June was ready to eat. “You’re going to have to wait a moment while I put my breakfast in the microwave.” First, I put oatmeal in the bowl, then added cinnamon, raisins, and water. Next, I chopped up some fresh peaches that were leftover

As I placed the bowl in the microwave oven, I noticed a flashing yellow light on the side of the neighbor’s house. According to the microwave clock, the recycling truck was an hour early! Argh!

I don’t like that feeling of failure when missing the recycling truck.

I ran to the back door, fumbling with the knob to open the spring-loaded lock. I grabbed the full recycling bin from the enclosed porch and then kicked the door with my foot behind me to make sure it latched.

let alone everyone in the house. “Come on, June,” I said, gathering the falling cans, “they won’t wait!”

My tennis shoes sat next to the front door, but there was no time. The truck had already passed our house. It was now in front of the neighbor’s house to the west. I had to catch him; the bin wouldn’t hold There was no time to run another week’s worth of outside and around the recyclables. “I should have house; I’d cut through injust taken it out last night side. I was careful to avoid when I was thinking about spilling anything as I ran it.” through the kitchen and dining room with the open Somehow, I thought I top receptacle. “Get out of would magically change my way, cats; I have to get my ways overnight and through!”

I’d get up early enough to run the trash out before I balanced the red plasheading to work. I have tic container against my that same intention every hip with one hand while I week. grabbed the door handle with my other. Opening The man was very nice. the French door, our cats He saw me running down Salem and Eve bolted be- the sidewalk and signaled tween my legs and around for the driver to hold up. my feet, tripping me up He crossed the grass bouas they escaped into the levard to meet me. I handliving room. I started to ed him the bin and waited stumble and hit the recyas he sorted the materials, cling bin against the other tossing them into his truck. half of the still latched French door. The door The cold concrete was banged and rattled; the rapidly chilling my feet tin cans and glass bottles through my socks. The clanked together like a crisp twenty-degree morngiant rattle. A few of them ing air felt refreshing as I spilled onto the floor. I was stood there in my flannel surprised we didn’t wake pajama pants and thin the whole neighborhood, v-neck t-shirt, but I knew I

couldn’t stay out very long dressed like that.

A crow in the trees across the street began to caw.

I felt he was laughing at the sight of me standing there in the cold. The man handed the bin back to me. I thanked him for waiting and wished him a good day.

While we walked up the front steps, the crow continued to chatter. “Come on, June Bug, let’s go get breakfast,” I said, opening the porch door.

Inside the porch, I reached for the knob on the front door…dang! Salem and Eve stood on the other side of the glass door, snickering from the living room at the man and the dog that locked themselves out of the house.

I was trying to be quiet, “Salem, buddy. Can you open the door?”

“Sorry,” he said, holding up his paw, “no opposable thumbs.”

It’s an awful feeling when you’re outside a locked door, with your keys on the other side - especially when it’s cold outside and you’re wearing pajamas without shoes. I imagined the mail carrier would eventually find my frozen

body later in the day.

Fortunately, I had checked the time earlier, so my cell phone was in my pajama pants pocket. I could avoid ringing the doorbell. My daughter Annie was not happy to see me but did come down to let me in.

Annie went back upstairs.

June and I went to the kitchen. I enjoyed my oatmeal with peaches and toast made with a slice of homemade bread. June was looking forward to her morning bowl of Iam’s mini chunks dog food.

As we ate together in the kitchen, I noticed a flashing yellow light on the side of the neighbor’s house to the west. I glanced at the clock on the range. “Wow, the garbage truck is running early, too.” I set down my bowl of oatmeal and headed to the back door to get the trash can.

I picked my phone up from the counter to doublecheck the time. It was an hour fast. “What the heck?” Suddenly it clicked with me, “It’s daylight savings time. No wonder everyone is early.” I set the phone back down.

My tennis shoes were next to the front door, but (Just the Other Day con’t on pg 3)

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Mon. – Thurs. 8:30am – 7pm; Fri. 8:30am – 6pm; Sat. 9am - 5pm WE WILL BUY YOUR CAR. WE WILL PAY TOP DOLLAR FOR VEHICLES OF ANY BRAND

MARCH 16, 2022

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(Just the Other Day con’t from “Caw, caw, caw,” he said. pg 2) “You did it again, didn’t

there was no time to grab them. “Let’s go, June,” I said while I fumbled with the knob to open the spring-loaded lock on the back door. I pulled the door shut behind me so the cats wouldn’t get out.

“I should have taken the trash out last night when I was thinking about it, “I grumbled.

June ran ahead and barked at the trash truck as if to say, “Hold on, Dad’s on his way.” Each time I stepped on a small stone in my stocking feet, I let out a little curse.

“Oochie, ouchie, ouch….”

The hollow plastic wheels made a boxy noise as they rolled briskly down the sidewalk.

The engine whirred, then the air brakes hissed and squeaked as the big truck pulled up, stopping in front of our house. I was just rolling around the corner with the can. The man walked over the grass to meet me. My feet were getting cold standing on the concrete while he emptied the can. Then, he finally put the trash can back by the curb, “Have a nice day,” he said.

you?” Then he flew away laughing to tell his friends.

“Caw, caw, caw.”

Dawn was just breaking as I rang the doorbell. It’s a loud bell with three long brass pipes that resonate a nice tone across the wooden floors and through the house. I heard two feet hit the floor upstairs, “Really, Dad?” Annie rambled down the steps, unlocked the door, then stomped back up the stairs to her bedroom. She didn’t say anything.

The cell phones automatically adjust for the time change; I have to set the other clocks manually. I ran through it aloud, “Fall back. Spring forward.

Dude, you’re running late for work.” I’d have to set the clocks later.

I took a quick shower, got dressed, and ran down the steps. June tried going out the front door with me and trampling over my tennis shoes, kicked one forward into the door jam, which stopped the door from closing.

I pushed the shoe back into the living room with my foot. Then I reached in My socks got wet in the my pocket for my car keys frost, crossing the grass to while explaining, “Bugs, retrieve the can. I pulled it I have to go to work. You to the back door; June folneed to stay here and lowed. Inside the enclosed guard the house.” As I porch, I reached for the spoke, I felt around my doorknob. “No way.” I saw empty pocket. “Good my phone on the kitchen catch, June Bug.” counter through the glass – on the other side of the I went back to get my keys locked door. off the dining room table, then gave my dog a brisk June and I walked around rub on the head. “Thanks, to the front door. With June. I don’t know if Annie hope, I reached for the would have been so unhandle – no such luck. derstanding a third time.”

Instead, through the glass, I saw Salem and Eve looking at me, snickering, “Sorry, no opposable thumbs,” Salem said.

Homemade 1/2 lb. Tenderloins Across the street, the & Hamburgers crow chattered in the park.

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Warrant Wednesday

Wapello County has over 500 active warrants. Warrant Wednesday’s are designed to help law enforcement locate wanted persons, with the public’s help.

Do NOT attempt to apprehend these individuals.

Instead, call the Ottumwa Police Department at (641) 683-0661 or Wapello County Sheriff ’s Department at (641) 684-4350 if you have any information on their whereabouts. Your tips can be made anonymously.

Name: Jordan Dean Breeding DOB: 05/19/1988 Warrant Issued: 02/23/2022 Warrant Details: Escape or Absence From Custody

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Name: Derek Brandon Morgan DOB: 07/02/1984 Warrant Issued: 03/04/2022 Warrant Details: Failure to Appear Original Charge: Violation of Restraining Order

Jim Carnahan, Agent 522 Richmond Ave Ottumwa, IA 52501 Bus: 641-682-3447 www.jcarnahaninsurance.com

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State Farm Life Insurance Company (Not licensed in MA, NY or WI), State Farm Life and Accident Assurance Company (Licensed in NY and WI) Bloomington, IL 1506554

Name: James Taylor Smith DOB: 04/15/1973 Warrant Issued: 03/08/2022 Warrant Details: Violation of Probation Original Charge: Domestic Abuse Assault

Name: John Edward Steinbach DOB: 08/26/1964 Warrant Issued: 03/11/2022 Warrant Details: Failure to Appear Original Charge: Domestic Abuse Assault

MARCH 16, 2022

MARCH 16, 2022

Soar Like a Bird This weekend while watching an eagle soar around in circles, barely needing to flap his wings, brought back memories from a few years ago and the column I wrote then. Here is a re-run of that column and a picture of one of my rare successful flights.

My older son, Walter, and I started our para-gliding lessons at the same time last summer. We learned to jump off mountains carried by a nylon wing that resembles a parachute. It has the added advantage of being able to be steered. His lessons were much more successful than mine in that he can actually fly and land.

I, on the other hand, can only fly and spend months limping around after crashing into the ground. This limits the number of flights I can tolerate each year. Last week, Walter continued his flying in the Dominican Republic. The people who para-glide are a rather small and

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unique fraternity. They are willing to share their knowledge, homes, food, and even their favorite mountain. Their love and respect of nature is equal to that of hunters, fishermen, or anyone else that enjoys activities with the benefit of the outdoors. He was met at the airport and whisked away for his first flight by Ricardo, who he had never met. The only thing they had in common at first was experiencing the freedom of flight as only large birds and paragliders can. The launch site was near the top of a mountain overlooking a lush tropical valley with the ocean in the background. Green fields of pineapples were ringed with dense patches of trees. Areas of dessert-like brown strangely broke up the sea of green. The breeze came off the ocean, was heated by

sunlight on the green valley, and blew up the side of the mountain. This vertical wind,

He flew along the face of the mountain, riding the ridge lift ever higher. When he turned

called ridge lift, is what para-gliders search for the world over. With his wing unfurled, he ran to the edge of the mountain and jumped off. Instead of jumping down, he jumped up, as the warm breeze caused the wing to lift him high above the launch sight.

away from the mountain, he glided over the dark green valley below. Pockets of warm air, called thermals, rising from small fields, would cause extra lift.

When he could get into a thermal column, he could spiral upward at

PAGE 5

a rate of eight feet per second. When we see vultures spiraling high in the air on a warm summer day, this is what they are doing. They are enjoying the lift provided by a rising thermal. Walter was able to climb 2500 feet above his launch site and flew over the valley for an hour and a half. His flights on the Caribbean country of The Dominican Republic were spectacular.

The people were great and the scenery was beautiful. He has come a long way from the days of watching the birds as they made large lazy circles in the sky and dreaming about flying to now being able to soar with the best of them. At this stage in my para-gliding career, I can only live vicariously through my son’s adventures, but it is still fun. To enjoy the wonders of nature from the ground or from the air is something learned at a very young age and can be appreciated throughout one’s life.

I was able to instill an appreciation of the outdoors that has grown to new heights as Walter learns more about our natural world in far off places.

PAGE 6

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641-683-3777 1-833-GO PRIDE

See all our listings online at www.remaxpride.com Licensed in Iowa & Missouri

MARCH 16, 2022

Jason Carter, Broker/Owner, 515-708-0615

John Carter, Broker Associate, 641-569-3456

Karen Converse, Broker Associate, 641-295-4546

Hannah Troxel, Broker Associate, 641-814-6868

AJ Gevock Broker Associate, 641-919-1784

Sheila Denburger Broker Associate, 641-660-4406

Kevin Williams Sales Associate, 515-979-9754

Marlene Hunt, Sales Associate, 641-799-0184

Caitie Scheffers, Sales Associate, 641-660-4247

Jody Trenary, Sales Associate 417-214-4208

Cindy Latos, Sales Associate, 641-799-3269

Joe Traul, Sales Associate, 641-455-5077

Joella Turner, Sales Associate, 641-226-4995

Nancy Menke CRS Sales Associate, 641-680-2293

Heather Jorgenson Sales Associate, 641-954-0515

Kristy Adkins Sales Associate, 641-799-7934

Diana Pearson Sales Associate, 641-660-6108

Cara Meyer Sales Associate, 641-660-1713

New Listing

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$800,000

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4BRs, 3.5 Baths

18733 220th Ave, Eddyville

4BRs, 2 Baths, 4.60 Acres $299,000

New Listing

Pe n d i n g

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12337 237th Ave

13688 Angle Road

$249,900`

$228,000

4BRs, 1.5 Baths, 10 Acres

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Sold 11142 100th Street 4BRs, 2.5 Baths $195,000

3BRs, 2 Baths

323 E. Manning Ave.

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124 W. Alta Vista Ave

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2 Schwartz Dr.

12088 118th Avenue

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3BRs, 3 Baths

3 BRs, 2 Baths

New Listing

614 N. Court St

414 E. Manning Ave.

$169,000

$167,000

3BRs, 2 Baths

3BRs, 2.5 Baths

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412 N. Graves St.

New Listing

Sold

1002 N. Jay St

2BRs, 1.5 Baths

2BRs, 1.5 Baths

$165,000

$165,000

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1309 Casper Dr.

615-617 N. Court

$160,000

$155,000

3 BRs, 3 Baths

Duplex

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New Listing

Pe n d i n g

ending P 321 Vanness Ave.

Pe n d i n g

216 Filmore St

505 Lynwood Circle

737 N. Green St.

ending P 23 Asbury Circle

$135,000

$133,000

$125,000

$115,000

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4Brs, 2 Baths

4BRs, 2 Baths

3BRs, 2 Baths

114 N. Ransom St $115,000

$155,000

$144,000

5BRs, 2 Baths

3BRs, 1.5 Baths

New Listing

2BRs, 1 Bath

3BRs, 1 Bath

12003 118th St.

ending P 224 E. Alta Vista Ave

Sold

nding P523eOsceola St

411 Appanoose St.

$108,248

$105,000

Sold

3 BRs, 2 Baths

2BRs, 2 Baths

New Listing

Pe n d i n g

Sold

Pe n d i n g

Pe n d i n g

106 S. Vine St.

719 McKinley Ave.

903 E. Pennsylvania Ave.

1964 Greenwood Dr.

1120 N. Court St

$100,000

$99,900

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$79,000

4BRs, 2 Baths

3BRs, 1 Bath

3BRs, 1 Bath

3BRs, 1 Baths

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315 High St, Chillicothe

1038 S. Sheridan

$55,000

$50,000

3BRs, 2 Baths

Commercial New Price

510 W. Main St., Agency $124,000

2BRs, 1 Bath

Commercial

Sold

219 E. Main,

Ottumwa $100,000

Sold

Ottumwa

3BRs, 2 Baths $37,500

Lots and Land

0 Rochester Road

49.13 Acres

$614,125

1 194th Street

2.50 Acres

$39,900

Lots and Land New Price

$32,000

$70,000

3BRs, 1 Bath

Commercial

Sold

1805 W. Second,

332 E. Main, St.

$350,000

$330,000

Lots and Land

2202 330th St,Eddyville

4.55 Acres

$70,000

Ottumwa

$604,000

Lots and Land

307 E. Second St, Hedrick

Commercial

1021 Overman Ave

233 S. Schuyler St.

730 Lillian St.

2BRs, 1 Bath

Commercial

Pe n d i n g

Ottumwa

Lots and Land

Hwy 34 W Ottumwa Hillcrest Sub-Division

1100 Block Sheridan

$30,000 - $25,000

$30,000

0.76 to 1.35 Acres

0.76 Acres

Pe n d i n g

P522e nRayd iSt.n g

1219 Castle St.

$69,900

$62,500

2BRs, 1 Bath

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Commercial

Commercial

404 Mary St., Ottumwa

319 E. Main, Ottumwa $139,000

$160,000

Lots and Land New Listing

Lots and Land

17747 Timberline Dr, Moravia $28,000

Sold

14 Weaver Drive

Ottumwa $24,000

FOR OSKALOOSA AND SIGOURNEY LISTINGS, SEE OUR WEBSITE: WWW.REMAXPRIDE.COM assets and other investment earnings. Then, deresearching your insurance cide which assets you will and savings options and tap into first, and when you developing a strategy to will claim Social Security cover your needs. Your op- benefits. Remember that tions could include a com- at 72 years of age you are bination of the following: required to take required Medicare, Medigap supple- minimum distributions from mental insurance, health your traditional IRA and savings accounts (HSAs), employer-sponsored retirelong-term care policies, ment plans, so work this continuing health insurincome into your plan. ance through your current or former employer, and Consider the tax conseother dedicated healthcare quences. Reducing the tax savings. Having funds and bill on retirement income is protection in place can help a priority for a great numyou feel more prepared to ber of retirees, yet many handle a medical emergen- feel understanding the tax cy or more routine care. impacts of drawing down assets is complex. If you Understand the level of share these sentiments, risk in your portfolio. As starting the planning proyou turn your savings into cess early and seeking income, it’s important to guidance from a tax and review your portfolio and financial advisor can help assess your level of risk. you feel more secure in This means ensuring that your strategy. you have a diversified 1 – “The Employee Benefit Research Institute’s Spending in Retirement Survey”. EBRI, 2021. portfolio that suits your anticipated spending and Duane J Lusson, CFP, ChFC, balances your needs for CLU, MSFS, is a Private Wealth Advisor with Ameriprise Financial liquidity and growth. For Services, Inc. in Ottumwa, Iowa. example, consider having He specializes in fee-based finana year to several years of cial planning and asset manageeasily accessible investment strategies and has been in ments to provide income in practice for 30 years. To contact case of a market downturn him, call 641-684-4200 or stop by office at 527 W. Second in Otor an unexcepted financial his tumwa, Iowa. event in your life. At the same time, it’s important to Investment advisory products also have investments that and services are made available through Ameriprise Financial are positioned for growth, Services, LLC, a registered investor at the minimum, keep up ment adviser. with inflation. Many retirees Investment products are not spend decades in retireinsured by the FDIC, NCUA or any ment, so plan your investfederal agency, are not deposits ment strategy with longev- or obligations of, or guaranteed by any financial institution, and ity in mind.

(Financial cont’d from pg 1)

Devise a sustainable withdrawal strategy. A well-crafted retirement income plan can help you avoid running out of money and feel more confident about spending your hardearned assets. Tally up your various sources of retirement income, which may include Social Security, annuities, retirement

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.

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