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Adjusting Your Spending to Deal with Inflation It’s no secret that many Americans are experiencing shrinking savings as high inflation persists. While many people have come to terms with rising costs, there are minor adjustments that can make a big difference to help reduce the sting on your finances. Here are some tactics to consider.

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be surprised by how your bills on time to you can save by runavoid late fees. Enroll ning your own errands. in automated payments whenever possible so Cancel unused subyou don’t have to worry scriptions and mem- about forgetting payberships. Do you ment deadlines. subscribe to multiple streaming services?

Postpone big-ticket Are you getting packpurchases. If your ages in the mail from vehicle is still a good box subscriptions that runner, and your apbecame popular durpliances are working, ing lockdown? Are you put off plans to trade paying for one or more in for newer models. club memberships that With prices surging, you’re not using? Deyou’ll pay top dollar for cide what you can live inventory that is still without, then cancel scarce due to supply any that aren’t neces- chain challenges. For sary and keep more financed purchases, dollars in your bank higher interest rates account each month. will drive up your overall cost.

Look for deals. Talk to your cell phone proStick to the essenvider to review your tials. If you can curtail plan. Shop around for indulgences for now, better rates on home you’ll do your budget and auto insurance a favor. If you’re going and bundle if it makes to the store, make a sense. Consider elimi- shopping list to resist nating cable or satellite impulse buys. if you can get by with a cheaper entertainment Review your housalternative. Coupons, ing expense. You may rebates, and thrifting not have much control are back in fashion. over your monthly rent or mortgage payment, Don’t pay for your but you can address own money. Stop the extras. It may be paying convenience time to let go of your fees charged by many covered parking space ATMs. Check with your or the extra storage bank to locate cash unit. Consider getting machines with no fees. a roommate to share Many grocery stores costs. Downsize if you offer cash back options can no longer afford if you need a few bills your current living arin your wallet. rangement.

Pare back on convenience services.

During the pandemic, many of us turned to convenience services that come at an extra cost. Did you get in the habit of takeout delivery from your favorite restaurants? Are you paying to have your groceries delivered?

Are you shopping online and spending extra for shipping? You might Avoid late fees. Pay

There’s no way to

OCTOBER 12, 2022

know just how long this period of high inflation will last. Nevertheless, taking these steps can help you save money.

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 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.

Investment advisory products and services are made available through Ameriprise © 2022 Ameriprise FinanFinancial Services, LLC, cial, Inc. All rights reserved. a registered investment File #4969201 adviser.

OCTOBER 12, 2022

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As a lifelong Iowan, I’ve been through it all; floods, droughts, high prices, and low prices. Greiner Family Farms has been in my family for 164 years. I am an Iowa Farmer through and through and serving my community has always been and continues to be my way of life.

THE FUTURE IS BRIGHT

- Support a true Iowan that has lived and experienced the needs and successes of our

GREAT STATE! STATE!

Learning from the Past: • Wausau Homes Construction Crew • American Welding and Tank 27 years, UAW 2310 President • School Board President • Volunteer Firefighter • Southern Iowa Electric Board • Township Trustee • Farm Bureau Member • Avid Gun Collector • These experiences have given me many insights into our community needs and the understanding to advocate for us all.

Living in the Present: • SIEDA Board • Davis County Supervisor 12 years • E911 Advisory Board • Great Prairie AEA Board • -Governor's Volunteer Award • Regional Housing Trust Fund • Race Car Enthusiast • Workforce Development Advisory Board • These groups have given me a well • Davis County Public Safety Commission rounded look at what we face as a • Senior Center Board community and the reinforcements • Hospital Foundation Board we need.

• Fox River Watershed Board Looking to the Future: I will advocate for all farmers, fighting against major packing plants that have stifled our animal industry over the last decade. I support bio-fuels that will lower the cost of feed for farmers and consumers and will advocate for all gas stations to upgrade to 30% or more ethanol to help control gas prices. Supporting and financing our community schools, local AEA agency, and community colleges are of highest importance, as well as, standing against the proposed school voucher system.

Paid for by Matt Greiner for State Senate: 13808 Pearl Ave., Bloomfield, IA 52537

2022 BVC Fall/Holiday Event Schedule

An Evening with C.S. Lewis starring David Payne

Friday, October 14 7:30pm

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Comedian Jimmy Failla

Saturday, October 15 7:30pm

BVC Theater $25 l $30 l $35 l $45

Comedian Chad Prather

Saturday, November 12 l 7:30pm

Saturday, December 3 l 7:30pm

Christmas with Jim McDonough and His Orchestra: 20th Anniversary Tour

Clint Black & Lisa Hartman Black

BVC Theater l Starting at $29

Saturday, November 26 l 2:30pm BVC Theater l $58

BVC Theater l $29.50 l $34.50 l $49.50 l $99.50

Sunday, December 4 l 7:30pm

BVC Expo Hall l $50 l $70 l $80 l $100

Joseph Hall: Elvis Rock’n Remember Christmas Show Saturday, December 10 l 7:30pm

BVC Theater l $33 VIP l $28 Reserved l $15.50 Students

For ticket information, visit

www.bridgeviewcenter.com

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OCTOBER 12, 2022

Both Ends of The Day

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Billie, the poodle, wakes up right around 6:00 in the morning. It does not matter whether the sun is up or an hour before sunrise. It is time to get up and if he is up, he expects someone to be up with him. It is not bad to go out and enjoy the early morning in the summertime when the sun is shining brightly and the birds are singing. It is a different story in the fall when it is still dark, and the only sounds are geese squabbling on the lake and the deer crunching acorns on the far side of the yard. Sunday morning, when I would have enjoyed sleeping in, Billie and I got up well before sunrise. It was cloudy with a fall chill in the air. I sat drinking a cup of coffee while Billie chased the deer out of his yard.

As the sun peeked over the horizon, the clouds thinned out and a rainbow appeared in the west. The green grass next to the lake with changing leaves in the background made a beautiful scene with the rainbow stretching overhead. I grabbed my phone and snapped a quick picture. It was a sight fit for a calendar, but the cell phone camera could not do it justice.

The day cleared and warmed a bit making the normal Sunday routine especially nice.

We rode the trails, checking the cameras and enjoying the sights and sounds of the timber. We spot-

ted assorted squirrels, rabbits, a woodchuck, a flock of turkeys, and numerous deer. We also found some young chicken of the woods and a few golden oyster mushrooms.

We left the chicken of the woods mushrooms to grow for a few days and picked the golden oysters

to eat later in the day. Heading back toward the house, two trumpeter swans flew in and landed on the lake. We had a perfect day to do the rest of our outdoor tasks.

At the end of the day, my wife and I were back on the porch enjoying the nice day while feeling satisfied at the jobs we had accomplished. Billie was spending most of this time soaking up the last rays of sunshine and occasionally perking up to go chase a deer out

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of the yard. Clouds started rolling in again just before sunset. I looked off toward the east and the second rainbow of the day appeared arching across the sky. I do not remember ever seeing two different rainbows in one day, so I snapped another picture. Again, the picture was not the greatest, but it made a perfect ending for a pleasant fall day with a rainbow on both ends.