Postal Customer
Ottumwa Publishing
ottumwapost.com
Look For The Homes Section Inside •••••MAY 04, 2022•••••
Most hardworking Americans dream about retirement, but the path to get there can be less than clear. For those relatively new to the workforce, the idea of retiring may feel distant and abstract. And they’re not the only Answers to Some of ones with Your Most Fundamental questions. Retirement Questions Even people who are only a few years from retirement are often perplexed by the decisions they face. While everyone’s journey is different, I know from my years of experience as a financial advisor that there are common themes when it comes to questions about retirement. For example, those who just started their careers and have decades before retirement may wonder: • “With all my current financial priorities, why should I worry about saving money for retirement?” The sooner you start saving for retirement, the greater the opportunity for your money to grow. If you are in your twenties or thirties, you may not have as many assets as those who have been in the workforce for decades. What you do have is time, and that can be a powerful ally. Time allows you to take full (Financial cont’d on pg 7)
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Last Call Last night, I let the dogs out for their last opportunity to do whatever they needed to do before bedtime. Jag, the terrier, who had been sleeping on his bed in the garage after a hard day of guarding the place from attacking deer and squirrels was still ready to go. Billie, the poodle, had been sleeping on the couch, exhausted from a hard day of playing ball was not so anxious. Billie moseyed toward the door while Jag danced on his hind legs waiting to get out. When I opened the garage door, it sounded almost like a scream coming from somewhere nearby. The dogs on full alert at the sound, both shot out into the darkness. It was one of those, “what the heck was that?” moments as I stepped outside. Immediately, I heard a coyote calling from near the south side
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of the house. That call was quickly answered by the another down by the garden. A chorus of coyote calls erupted in unison as I stepped into the darkness trying to see what was going on. Billie was facing the garden at the limit his collar would allow, barking ferociously. The sound of Jag’s barking was rapidly getting fainter as he chased off into the blackness. At this time of year, coyotes can be very aggressive. The females have either just had their pups or are getting ready to do so. The males are protecting their territory and the females are attempting to gain weight to nourish the nursing pups. I can only guess at the motivation of two groups of coyotes getting this close to our house. Either our house is located at the edge of the territory claimed by two competing families, and it was a territorial dispute, or they thought they could drive the dogs out of what they claimed as theirs. Either way, I did not want the dogs to get involved. I was able to call Billie back to me as I ran back into the house to grab a gun. My wife held him back while I ran back
out into the yard and fired off a couple of rounds from my .45. The coyotes got quiet, and I called for Jag. The little dog, being a terrier, has more courage than sense. He is convinced that he is the toughest animal around. He is wrong. He would not have a chance against one coyote, and this was a group of several. I called for several minutes but to no avail. I went back into the house, hoping the gun shots scared the coyotes off and Jag could not catch up with them. If he did meet up with them somewhere out there in the darkness, he would not be coming home. I explained to my wife what was going on. She is well aware of Jags hunting determination an understood the consequences if he did not come back soon. I waited about fifteen minutes and went back out to see if he was back. When he was not waiting at the door to go back to his bed, I was thinking the worst. I called a few times and listened. I heard nothing. I was ready to face the inevitable that Jag had pushed his luck to far when the little black dog appeared out of the dark night. He was panting with his
MAY 04, 2022
tongue lolling out the side of his mouth, but he was unscathed and happy as he could be. He got a drink and plopped down in his bed, all proud of himself for protecting us from the coyotes. The dogs did not get to go out again after that. If they had missed last call, it would have to wait until morning.
MAY 04, 2022
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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: Anthony Brian Brown DOB: 12/31/1984 Warrant Issued: 04/19/2022 Warrant Details: Interference with Official Acts, Operating without Valid Registration, No Proof of Insurance & Driving Under Suspension
Name: Amanda Leigh Farmer DOB: 10/16/1981 Warrant Issued: 04/28/2022 Warrant Details: Theft 3rd Degree
Name: Tiffany Alisha Miller DOB: 01/18/1988 Warrant Issued: 04/29/2022 Warrant Details: Violation of Probation Original Charge: Possession of a Controlled Substance 3rd Offense
Name: Karoline Moreira DOB: 01/20/1998 Warrant Issued: 03/21/2022 Warrant Details: Failure to Appear Original Charge: Possession of a Controlled Substance
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MAY 04, 2022
LAWN & GARDEN SALE FRIDAY - SATURDAY - SUNDAY • MAY 6 - 8
3/ 10
5/ 10
New Plant Life colored mulch
All American top soil
$
with purchase of 3 select varieties, 2 cu. ft.
$
with purchase of 5 40 lb
EL SAVER U F EARN
15
¢ N
P
E R OFF G A L LO
11.99
27.99
2 cu. ft.
10 inch
Miracle-Grow potting mix
Hibiscus standard
EL SAVER FU EARN
15¢ N
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E R OFF G A L LO
39.99
Endless Summer hydrangea select varieties, 2 gallon
10.99
Premium hanging basket 10 inch
Ad prices effective Friday, May 46h through Sunday, May 8th, 2022 at your Ottumwa Hy-Vee stores.
MAY 04, 2022
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We have the best beef.
3/ 10
6.99
$
Frito-Lay party size snacks 8.13 to 18 oz. or salsa 24 oz. select varieties
Hy-Vee Choice Reserve beef tenderloin filet mignon 5 oz. 8 oz. 10.99
EL SAVER FU EARN
10¢ N
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2/ 11
4.98
select varieties 18.7 to 31.5 oz.
select varieties 12 to 16 oz.
$
E R OFF G A L LO
DiGiorno pizza
2/ 5 $
Hy-Vee cottage cheese select varieties 24 oz.
4.98
Fresh skinless Verlasso Atlantic salmon portion
Farmland sliced bacon
3/ 4 $
Hy-Vee pasta sauce
select varieties 23 to 24 oz.
farm raised, 4 oz.
EL SAVER FU
4.97
Nabisco party size! Oreo cookies or Ritz crackers
select varieties 23.7 to 27.4 oz.
EARN
5¢
N
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5.49
Keurig coffee or cocoa
select varieties 10 or 12 ct. or 12 oz.
2/ 5 $
Eggo waffles or French toaster sticks
select varieties 10.75 to 12.7 oz.
2.68
Sara Lee whole grain white bread 20 oz.
4/ 5 $
Birds Eye vegetables
select varieties 10 or 10.8 oz.
FREE
18.99
buy two, get one
select varieties 24 pack cans 12 fl. oz., plus deposit
12 pack cans or 8 pack bottles 12 fl. oz. or 10 pack mini cans 7.5 fl. oz., plus deposit
Bud Light or Budweiser
Pepsi products
Ad prices effective Wednesday, May 4th through Tuesday, May 10th, 2022 at your Ottumwa Hy-Vee stores.
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But clearly the best shrimp I’ve ever tasted, comes from the southern states along the Gulf of Mexico.
Northerner’s Delight Last November, my wife drove down to visit her parents for a week in Gulf Shores, Alabama. She returned with a white Styrofoam cooler with red letters across the front, “Rouses Market.” Melissa presented the cooler to me. “Happy birthday, honey!” My first thought was, “You bought me a disposable cooler for my birthday? Um, how nice.” When I took the cooler from her, it was fairly heavy. Much to my surprise, inside the cooler was three pounds of fresh Gulf shrimp on ice. “Wow! This is awesome, babe. Thank you.” Now, if you want the best walleye, northern pike, or lake trout, y’all from the south need to come to the north shore, eh? Our coldwater lakes have the best freshwater fish.
I didn’t care if it was mid-November in northern Minnesota. I cleared the snow from the deck, pulled out the Weber and began the feast. Imagine, fresh gulf shrimp, in Minnesota’s winter weather. Now that’s a northerner’s delight! Just five months later, Melissa and I were going to Picayune, Mississippi, to get our new puppy, Nova Mae - less than thirty minutes from the Gulf. After that we would travel 120 miles along the coast. Coincidentally, I brought a cooler with us. There would be plenty of opportunities for me to stock the cooler with fresh Gulf shrimp to bring home.
MAY 04, 2022
Holly Dunlavy, ARNP Holly Dunlavy, ARNP, is welcoming new patients at Pella Regional Medical Clinic in Ottumwa. Holly attended Chamberlin University College of Nursing, Addison, IL earning her degree as a Family Nurse Practitioner. She completed her Bachelor of Science in Nursing at Graceland University in Independence, MO and her Associate Degree in Nursing at Indian Hills Community College in Ottumwa, IA. Holly has more than a decade of nursing experience in various nursing roles including emergency department, obstetrics and medical/surgical care teams.
To schedule an appointment with Holly Dunlavy, ARNP visit PellaHealth.org/RequestAnAppointment or call 641-621-2200.
For more information or to schedule a consultation call 641.628.6772.
Our trip would include a five-day visit to her parents’ house in South Carolina. We were still over a week from home and that’s a long time to keep fresh shrimp on ice. I was afraid it wouldn’t survive the trip and I gave up on the idea of taking more fresh shrimp home.
Instead, we stopped at a restaurant in Pascagoula, Mississippi. Melissa had blackened fish tacos, I had the large shrimp boil, with fresh gulf shrimp, spicy sausage, corn on the cob and boiled red potatoes. This is a common meal in the south, but to a northerner, this was a real delight. After visiting in South Carolina, we started
the long drive home to Minnesota. The weather in Greer was cool, by southern folk’s standards, but to a couple of Minnesotans, temperatures in the upper sixties were just right.
We had been watching the weather at home, and knew we had twelve more inches of snow while we were away. Less than twenty minutes into our journey, I started seeing signs for fresh strawberries. The middle of April seemed way too early for fresh fruit. “Surely someone leaves those signs up year-round,” I said, not seeing any produce stands. Not long after, I saw newer signs, “Fresh Strawberries. Open Now.” I took my foot off the gas and started to slow down – just in case. …a sales pitch…Alaska…a big black dog… only five strawberries… For the rest of the story visit ottumwapost.com.
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(Financial cont’d from pg 1) factors to consider. One
of the biggest is the cost and potential tax consequences of moving a large sum of money out of an existing investment in order to pay off the balance of your mortgage. If the interest rate you pay on your mortgage is low, you may want to keep that • “How much of my money invested and conpaycheck should I save tinue making mortgage payments. for retirement?” A reasonable goal is to Also, holding a mortgage save 10 percent of your is key to many Americans’ pre-tax income in retiretax strategy because the ment savings vehicles. interest paid could potenIf you have the option, tially be tax deductible. strongly consider directIf mortgage interest is ing a portion from your part of your tax strategy, paycheck to a 401(k) or consult with your tax proanother workplace savfessional before making ings plan. If your emthe decision to own your ployer offers a matching contribution, even better. home outright. That’s essentially “free • “How will I know money” that you don’t want to miss out on. If you if I saved enough money have additional discretion- to last?” The answer to this quesary income beyond that, you may want to save it in tion will depend on your retirement dreams and a Roth IRA, which could current financial situahelp you build retirement savings with after-tax dol- tion. The variables that lars and create potentially come into play include the amount of money you’ll tax-free income in the need to pay to cover your future. expenses each year and other sources of income On the other hand, if retirement is in your near you have (such as a pension or Social Security). future, you may be ponThe biggest unknown is dering these questions: how long your retirement will last, but most people • “Should I pay should be prepared to off my home mortgage spend several decades early?” Paying off your mortgage in retirement. A financial plan can help you test difmay seem like a great ferent assumptions based idea, and if you’re like a on an appropriate retirelot of near retirees, the ment date. prospect of eliminating debt and reducing your • “Will Medicare monthly expenses may cover my health care be appealing. That said, costs in retirement?” there are a variety of advantage of the opportunity to compound growth in your investments. Even modest investment amounts that have years to potentially grow can make a significant difference in your retirement savings.
Health care is one of the largest expenses most retirees incur in their later years, and Medicare only covers a portion of heath care expenses. It is broken up into different parts. Part A is offered at no cost, but mainly covers only expenses related to hospitalization. Part B requires a monthly premium, but makes medical services such as care from a doctor or tests more affordable. Part C is an alternative type of Medicare coverage provided through private insurers, at a cost. Part D is a prescription program that helps reduce the price of drugs. Medicare Supplement coverage is another form of coverage that charges a premium, but helps reduce out-ofpocket medical expenses. • “At what age should I begin to collect Social Security?” This varies by person. The earliest you can qualify to begin collecting Social Security retirement benefits is age 62. The longer you wait, the larger your benefit will be. The highest monthly benefit you can earn occurs when you reach age 70. If you continue to work, it may make sense to delay taking Social Security. When you retire, you’ll need to weigh the value of delaying Social Security against the cost of taking money out of your personal savings to make up the difference.
for how you will build your nest egg and fund your retirement dreams. If you have questions or want to discuss your personal situation, consult your financial advisor, estate planner and tax professional for guidance. Duane J Lusson, CFP, ChFC, CLU, MSFS, is a Private Wealth Advisor with Ameriprise Financial Services, Inc. in Ottumwa, Iowa. He specializes in fee-based financial planning and asset management strategies and has been in practice for 30 years. To contact 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.
Whether retirement is a Investment products are not year or decades away, it’s insured by the FDIC, NCUA or any federal agency, are not important to craft a plan
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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 #4503171
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MAY 04, 2022
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OPEN HOUSE SUNDAY MAY 8 - 1:00-2:30 CO N D O
1002 N. JAY ST.
$165,000 2 BRs, 1.5 Baths #6155156
Cindy Latos
641-799-3269 641-683-3777
Ottumwa Post App Advertise With Us:
Walter Scott 641-208-5505 Christi Post 641-799-4209
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MAY 04, 2022