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SAVE OTTUMWA POST for the basics, single people have to account for losing their total income if they are laid off from a job or facing a prolonged illness. The loss of a job may also mean the loss of health and disability insurance benefits. If this is the case, take action right away to ensure you don’t experience a lapse in coverage.

Money Considerations for Solo Households More than a quarter of U.S. households meet the definition of “one-person” households, according to the U.S. Census Bureau.1 Living alone and having sole responsibility over your household bills can be an advantage: there’s no need to compromise on priorities.

Yet against the backdrop of rising inflation and interest rates, managing life’s expenses on one income can come with challenges.

If you live alone, here are key considerations to help you balance funding your short- and long-term financial goals: #1 – Be prepared for the “single tax” burden Your basic living costs – food, shelter, utilities, transportation, and taxes – are your sole responsibility instead of being split with a partner or friend. Economists call this extra economic burden the “single tax.”

In addition for paying more

retirement plan. Start with a small percentage, then try to work it up to 10% or more.

Take full advantage of your workplace retirement plan, particularly if your employer matches your contributions.

Also consider contributions to a Roth IRA, which offers the potential for tax-free withdrawals in retirement.

Work with your advisor #2 – Be cautious about Depending on your circumsharing expenses stances, your financial staIf you plan to save by splitbility can be more tenuous ting some costs with others and challenging if you live make sure the rules of how alone. A financial advisor usage and payments are can be a helpful partner, ofclear and agreed to by all. fering guidance and lending Such arrangements carry an ear as you discuss your risks for a relationship. Cost- key concerns and goals. sharing is a great budgeting 1 U.S. Census Bureau, “Home Alone: tool, but good communicaMore Than A Quarter of All Households Have One Person,” June 8, 2023. tion is vital for a positive outcome.

Duane J Lusson, CFP, ChFC, #3 – Recognize the importance of a fallback fund It’s always smart to have money set aside for a rainy day – an emergency expense that suddenly arises, or an opportunity that requires extra money outside of your available monthly budget. A good rule of thumb is to park three-tosix months’ worth of living expenses in an account with easy access to cash to cover such expenses. If you work independently or your job is subject to layoffs, it may be wise to set aside sixto-nine months’ worth of living expenses to be prepared for any extended downtime from work. #4 – Don’t overlook your long-term goals With the challenges of meeting day-to-day expenses, it’s easy to put future plans on the back burner. But you should try to set aside a portion of your income in a

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.

Ameriprise Financial cannot guarantee future financial results

OCTOBER 04, 2023

2023 BVC Fall/Holiday Event Schedule REZA Edge of Illusion

Saturday, October 7 | 7pm

BVC Theater Tickets | $33 | $48 | $58

The Texas Tenors w/ Ottumwa Symphony Orchestra Sunday, October 8 | 2pm

BVC Theater | Tickets $54.75 & $69.75

Legacy Reunion of Earth, Wind, & Fire Alumni Saturday, October 28 | 7:30pm BVC Theater | $71 & $92

Comedian Matt Mathews Friday, November 3 | 8pm

BVC Theate | $29, $39, $49, $79

Girls Night: The Musical

Saturday, November 4 | 7:30pm BVC Theate | $44.75 & $54.75

Cirque Musica Holiday Wonderland Wednesday, November 15 | 7pm

BVC Theater | $34.50, $39.50, $49.50, $69.50

Scotty McCreery

Friday, December 8 | 7:30pm

BVC Expo Hall | $39, $49, $59, $69

Sister’s Christmas Catechism: The Mystery of the Magi’s Gold Sunday, December 17 | 2pm BVC Theater | $39.75 & $49.75

PetRock

Saturday, December 30 | 7:30pm BVC Theater | $24.50

For ticket information, visit www.bridgeviewcenter.com ®

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.

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.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

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Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2023 Ameriprise Financial, Inc. All rights reserved.

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G A L LO

Pay Attention As we start another season of hunting, it is important to remember to hunt safely.

Each type of hunting offers its own unique challenges and safety concerns. The risks inherent in pheasant hunting are different than those of deer hunting, but all have one thing in common. The biggest risk comes from those sudden lapses in concentration. Mistakes happen when people are not paying attention. Falling asleep and falling out of a tree stand or not paying attention to what is behind your intended target while deer hunting can both result in disaster.

Hunting elk in Colorado a few years ago, I had one of those problems sometimes referred to as a stupid attack. Walking out of

camp, I chose a well- the southern sky. If to spend the night traveled elk path lead- I aimed north and when I found the road ing up the side of a west by my compass, we came in on when mountain. The morn- I should at least be we drove to our camping was sunny and in the general direcsite. With great relief, cool, a great day to be tion of camp. SevI turned on the road hiking and enjoying eral times, as I walked and followed it a half the beautiful mountain unfamiliar territory, I mile or so to camp. scenery. I was paylamented my stupid It was dark when I ing more attention attack. I knew better saw the campfire and to the views and elk than to not pay atten- the rest of my hunttracks than where I tion to where I was. A ing party. They were was going. I stopped person always needs relaxing around the frequently to watch a to check landmarks, fire, planning the next pine squirrel or check both ahead and beday’s rescue operaout a wildflower and hind them. As the sun tion. Getting lost not started off again in a began to set, I knew only endangers the random direction. The what would lie in store person that is lost, but thought of getting lost if I did not find camp it also inconveniences never occurred to me. before dark. I would the other members of I could see the sun have to stop, set up a the hunting party as and with my watch, shelter of sorts, and they feel obligated to I could tell my direcspend the night in stop hunting and look tions. By mid-afterthe cool mountain air. noon, clouds started Nobody would look moving in, and I defor me until morning, cided I should start as it is both pointless back toward camp. I and dangerous to walk had no idea how far I around in the dark had traveled. With the in the vast mountain clouds blocking the wilderness. Chances sun, I could no longer of finding someone determine which direc- in the dark are much tion to travel. I knew I less than the chance had to go back down of falling off a cliff. the mountain, but I chose to walk for andown the wrong side other half hour, makcould leave me miles ing a concerted effort from camp. I dug to continue a straight in my backpack and line. Since I had not found my compass. spent much time lookI knew I had walked ing behind myself durwith the sun on my ing the morning walk, face most of the morn- nothing looked familiar ing. This time of year, as darkness began to the sun rises due set in. I was begineast and arcs across ning to look for a place

for the lost person.

This does not impress one’s fellow hunters.

There are many things that can go wrong during hunting season.

Problems can vary from the mildly annoying to the extremely dangerous, but most result from not paying attention. Have a safe hunting season and remember to stay alert to the many dangers inherent in our sport.

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OCTOBER 04, 2023

F-Mart Just before you round the curve heading east on US Highway 276, or is it state Highway 11, which would be a north/south highway?

Already, I digress. Just before that curve, you’ll see a sign marking the city limit of Cleveland. Not far past the Cleveland sign, you’ll come to a business at the intersection of said highway and County Road 97. The business sign caught my attention numerous times.

It was one of those Pepsi Cola signs where the red, white, and blue Pepsi logo takes the top twothirds of the sign, and the establishment’s name gets the bottom third. In this case, the bottom third had the business’ name and slogan: F-MART Best Hotdogs is Town. My curiosity grew each time we passed the sign.

You’d have to have a darn good hotdog to have the best in a town the size of Cleveland. But hold on. We weren’t in Ohio. We were in Cleveland, South Carolina. Still, I don’t think it’s right to claim the best hotdogs in town without proof.

The only way to get proof was to stop in for a dog.

Melissa and I traveled Highway 276 daily, or was it Highway 11? I told Melissa, “I want to stop at F-Mart for a hotdog.” But she didn’t want to. “Why can’t I stop at F-Mart for a hotdog while we’re in town?”

“What town?” Melissa asked. “The F-Mart and a couple houses are the only thing here.

And, what is F-Mart, anyway?”

When thinking of F-Mart is a unique Cleveland and hotname for a convedogs, my thoughts nience store. I too turned to Cpl. Max wondered what the F Klinger from the televistood for? My mind sion sitcom M*A*S*H. began to wander. It Klinger always bragged could be frank, as in about Tony Packo’s hotdogs; friendly, freCafé having the best quent, or fast. It could hotdogs in town. But be almost anything. wait – Klinger was from Toledo, not Cleveland. The small tan buildOh well. Cleveland, ing had bars on the Toledo, what’s the dif- windows. The building ference? They’re both was positioned diagoin Ohio. nally on the corner, so

no matter what direction you were going on whatever highway, you saw the F-Mart sign on the pole and the hotdog sign on the building, too. “Come on, Melissa. Let’s stop.”

But she still didn’t want to. I tried harder to entice her, “F-Mart has hotdogs.”

“Tom, everyone in South Carolina has hotdogs,” she said.

“And boiled peanuts, too.” I couldn’t deny that. I think I saw a sign for a dress shop offering hotdogs and boiled peanuts, but I digress. We weren’t talking about just any hotdogs.

“F-Mart has the best hotdogs in town,” I argued, “it says so right on their sign!”

She replied, “And why do you suppose they have bars on all the windows?”

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the front door before answering.

Inside F-Mart, I was pleasantly surprised.

I expected a C-store, but it was more like an old-fashioned café.

There were a few shelves of merchandise around the walls, but mostly Formica tabletops and chairs filled the room. Some people were seated to eat, while others stood in line to place an order or get their food.

The place was hopping.

proudly boasted.

“They’re the best hotdogs in Cleveland and Marietta.”

I was confused.

“They’re the best hotdogs in Cleveland or Marietta?”

“Both,” she said. “We claim both towns.”

Not being from the area, I asked, “What’s the difference between Cleveland and Marietta?”

The lady pointed out the window, “See that “You’d have bars on curve in the road?

I glanced at the menu That’s the difference.” your windows, too, if on the wall. “A hotdog That was good enough you had the best hotwith wiener, $2.60 A dogs in town,” I said. for me. More ques“You know people will chili dog, no wiener tions could only lead to try to break in to steal $2.30. I’ll have to come trouble. I paid for my back to figure that out,” soda and went to the their secret recipe for I said. “But any place boiling wieners.” She car. wasn’t budging. “Think with a bologna sandwich on their menu is a Melissa still didn’t about it; what if that place I need to check recipe got into the look thrilled about my out!” I wanted to grab hands of their comhigh-speed turn into a hotdog, but I figured the parking lot. “Look, petitors? It’d be byebye, F-Mart. And then I better come back for honey. I bought a ginwhat? Economic dev- that. ger ale for you.” I deastation for Cleveland!” scribed the inside of I looked in the cooler. the building. “It’s pretty “Keep driving, mister,” Fortunately, F-Mart cool, the kind of place Melissa said, pointing had Ginger-Ale. I I think your mom and at the road ahead. My grabbed a bottle and dad would appreciate. plea fell on deaf ears. headed to the checkI think we should bring out. Behind the counter your parents here for The thing about a was a different setup hotdogs.” building set diagonal than any C-store I’d to the road is you see seen. No cigarettes, no The next day, Melissa both signs while going candy racks, no lottery and I took her parents in the same direction; machine. Instead, one Phil, and Carol, to the one through the wind- lady took orders while Hagood Mill, a historic shield and the other others dressed hotgrist mill preserved in the review mirror as dogs just how people near Pickens. I’m alyou drive on by. But I wanted them. I set my ways amazed how wasn’t giving up yet. bottle on the counterlittle water from a small creek it takes to turn Later that same day on top. “Will that be all,” the same road, my wife the cashier asked me. that big water wheel to operate a mill like said she wanted some- No, I had a couple of questions. that. There are also a thing cold and bubbly couple of old log cabin to drink. “Maybe a gin- “Your sign out front homes and other outger ale,” she said. says the best hotbuildings to explore. dogs in town,” I said.

I abruptly flipped on And live chickens.

“Where’s the town?” the left signal, hit the Because the mill was brakes, and whipped “If y’all blink,” she said, used to grind grits, into the nearest conve- “you’ll miss the whole cornmeal, and wheat, nience store parking lot exciting thing.” chickens naturally fed – which just happened on any spilled grains. to be F-Mart. “Are you “Is it true?” I queried, crazy,” she asked. But “Do you really have the Watching one hen I jumped out of the car best hotdogs in town?” and scurried through (Just the Other Day cont’d on “We sure do,” she pg 5)

OCTOBER 04, 2023

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(Just the Other Day cont’d from pg 4)

with her three chicks was entertaining. The young had to jump up, to pluck kernels of corn from a standing corn stalk.

Another building housed some very old Cherokee petroglyphs, unearthed during excavation of an 1820’s-era highway. It would be a fun day.

After visiting the mill, we planned to treat her parents to a cookout of grilled steaks, burgers, and all the sides, at the log cabin we rented.

We had picked up local grass-fed ribeye steaks from Square G Farm at the Greer Farmer’s right front seat, I used The day was perfect.

Market. I also made an my turn signal plenty We had a great time apple pie for Phil, an early, making a grace- at the Hagood Mill, early birthday surprise. ful left-hand turn into followed by dinner The problem was in the F-Mart driveway. from our grill, and Phil the timing. was delighted with his Phil and Carol split a apple pie. After desWe didn’t want to eat chili dog. Melissa had sert, the four of us sat a late lunch, spoiling ketchup, mustard, rel- around a campfire and our appetites before ish, and jalapenos. “I’ll listened to the tree dinner. On the other have a chili dog with frogs and other soothhand, it’d been hours cheese and onion and ing night sounds of the since breakfast; we an unsweet iced tea, south. couldn’t make it to please.” Only one thing dinner without somecan make the best Although we passed thing to eat. Bound and hotdog in town even F-Mart several more determined, I offered better. times during our visit a solution: “We could (and I asked every get hotdogs to tide us When I was ready to time), Melissa and I over.” Phil spoke up to pay for our order, Carol made only one more say a hotdog sounded handed the cashier stop for the best hotgood. The timing for a twenty-dollar bill. “I dogs in town, this time dinner may have been want to buy lunch,” she with fries. off a bit, but my timing said. Sweet! was perfect.

Just a bit further east Man, my chili cheese on US Highway 276, or Getting the best hotdog really was deliis it State Highway 11 dog in town was like cious; I could have north? Again, I digress. playing chess; be eaten another, but we There’s a place called patient, make the right held off on fries, as this Marci Jo’s Old Mounmove at the right time, was only a snack. Me- tain Store, also on the and checkmate! Final- lissa, Phil, and Carol all outskirts of the Clevely, the F-Mart hotdog agreed these were in- land, South Carolina would be mine. Once deed the best hotdogs metropolis. On their her dad said he’d like in Cleveland. On the sign, it says, ‘Hotdogs.’ a hotdog, Melissa was way out I stopped by a pushover. “Hey,” I the register, “Ma’am?

How can I be sure pointed out. “F-Mart What does the F in F- F-Mart has the best happens to be just Mart stand for?” hotdogs in town until ahead. I’ve heard they I’ve tried Marci Jo’s?

“The previous owner’s This is going to require have the best hotdog name was Forrest,” in town.” another trip south for she said. “They had research purposes.

“Well, that sounds the best hotdogs in Leave it to a dang Yangood,” Phil said. “Car- town until the new kee from Minnesota to ol, would you like to owner took over. Now go stirring trouble in split a hotdog?” Avoid- we’ve got ‘em.” We the order of the hotdog ing eye contact with shared a good laugh world down south. the passenger in the about that.

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TRACT III – Tracts I & II combined and offered as one unit, with the unit yielding the highest price determining sale price of the farm.

TERMS: 20% down day of sale, balance in cash upon delivery of a Court Officer Deed, accompanied by Abstract of Title showing merchantable title. Real estate taxes will be pro-rated to possession date, possession given upon settlement.

REAL ESTATE WILL SELL AT 12:00 NOON For further particulars or an appointment to inspect the property, please call the auction company: 641-682-5465.

APPLIANCES, FURNITURE & HOUSEHOLD ITEMS: Whirlpool refrigerator/freezer w/ice & water dispenser; Frigidaire gas oven/range; Whirlpool auto washer; Amana elec. dryer; HiSense 55” flat-screen TV w/remote; Sound bar; Toshiba 32” flat-screen TV; 3-pc. oak bedroom suite incl. queen-size bed, mattress & box springs, dresser w/mirror & 4-drawer chest; Corner entertainment center; Glass-front hutch; Oreck upright vacuum; Computer desk; Olive green upholstered 3-cushion sofa & matching chair; Wooden dinette table & 4 chairs; Antique 4-drawer serpentine dresser w/mirror; Curved-glass china cabinet; (2) Platform rockers; Large asst. of kitchen items incl. pots, pans, dishes, canister sets, Corning Ware, mixing bowls, crockpot, coffee pot, microwave; Vases; Asst. of collectible glassware incl. Precious Moments, salt & pepper shakers, pitcher & bowl set, egg plates, Avon, collector plates, glassware, hens-on-the-nest, collector bells, figurines, Budweiser wagon & team; Bedding, blankets, linens & quilts.

INVALID CARE ITEMS: Golden Compass elec. mobility chair; Golden Avenger 4-wheel elec. scooter – both are like new; Inogen port. oxygen concentrator; Like new brown microsuede elec. lift chair; Walker.

AUTOMOBILE, LAWN MOWER, 4-WHEELER, RIFLE: 2015 Dodge Journey Crossroad, full power, leather interior, third-row seating, 60,000 miles; 2016 John Deere X390 lawn mower, hydro, power steering, hydraulic-lift desk, 190 hours; 2015 Polaris Sportsman ETX 4-wheeler, AWD, approx. 60 miles; Front blade for Polaris; 6’x8’ 2-wheel trailer w/rear gate; Glenfield Model 60 rifle, 22-cal. GUN PERMIT REQUIRED FOR THE PURCHASE OF FIREARM. McCulloch chain saw; 4hp 220 air compressor; 25-gal. pull-type sprayer; 15-gal. ATV sprayer; Bench grinder; Vise; 1/2” elec. impact; Table saw; 2-pc. tool chest; Power washer; Mower lift; Jacks; Chains; Lawn roller; 20’ extension ladder; Blast heater; 2-wheel dolly; Assorted hand tools.

AUCTIONEERS NOTE: Be sure & attend this outstanding sale, of remarkable farm & recreational land, on highway location. Plus, well-cared-for vehicles, furniture & personal property. Go to our website for pictures: www.almartinauctions.com.

TERMS: CASH/ GOOD CHECK POSITIVIE ID REQUIRED

MASTERCARD/VISA DEBIT/CREDIT CARDS

All property must be settled for before removal – All items sold as is where is – Not responsible in case of accidents. Announcements made day of sale take precedence over any advertising.

IVAN PADGET ESTATE, SELLER Marvin Padget & Monty Padget, Co-Executors

John Webber, Attorney

OCTOBER 04, 2023

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