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look for inserts inside FROM:

Postal Customer Ottumwa Publishing 107 S. Court Street Ottumwa, IA 52501

641-682-0865

slumberland FURNITURE

Slumberland of Oskaloosa •••••JUNE 20, 201 8 •••••

#C251014

2018 Chrysler 300 S

2018 Chrysler Pacifica

Deal $33,130

Deal $27,913

#C250087

2018 Chrysler 300 Touring

#C174220

MSRP $45,130

MSRP $35,275

MSRP $30,785

Deal $20,785 #C188065

#C296574

2018 Dodge Caravan

2018 Dodge Journey Crossroad

Deal $22,243

Deal $26,562

MSRP $28,085

#C182715

2018 Chrysler Pacifica Limited

MSRP $34,635

MSRP $48,220

Deal $39,543 #C274452

#Cg99452

2018 Dodge Charger

2018 Jeep Renegade

Deal $30,132

Deal $20,489

MSRP $34,935

#C276757

2018 Dodge Challenger

MSRP $25,765

MSRP $32,835

Deal $27,194 #C272512

Healthcare costs are a significant concern for many Americans, particularly for those approaching retirement. One increasingly popular way to manage medical expenses is to save into a Health Savings Account (HSA). If you have access to an HSA, read on for details on how you may use it to optimize your healthcare savHealthcare ings.

Concerned About Expenses in Retirement? How HSAs Can Help

The funda-

mentals of using HSAs In order to have access to an HSA, you generally must be covered under a high deductible health plan (HDHP) and have no other form of health coverage. Medicare participants cannot make HSA contributions. High deductible health plans require you to make larger out-of-pocket payments to meet the plan’s deductible amount. The minimum deductible is $1,350 for an individual or $2,700 for a family. The total out-of-pocket maximum (including deductibles, co-payments and co-insurance, but not premiums) can be as high as $6,650 for an individual and $13,300 for a family.

Since HDHP plans come with larger up-front costs, they generally offer a HSA to help participants manage their medical expenses. In 2018, individuals can contribute up to $3,450 annually to their HSA while families (two or more covered under the same plan) can make an annual contribution of up to $6,900. Contributions can either be made on a regular basis (such as monthly deposits into your account), at various times during the year or even all at once. All HSA contributions for 2018 must be made by April 15, 2019, the tax filing deadline. The advantages of using HSAs HSAs offer three key benefits. First, they provide a flexible source of savings to cover a variety of out-of-pocket qualifying medical expenses. Examples include prescription drugs, x-rays, urgent care, dental care, eyeglasses, eye surgery, or even your insurance deductible. Check with your tax professional or visit irs.gov/forms-pubs/

(Financial cont’d pg 6 )

#C378640

2018 Jeep Compass

2018 Jeep Grand Cherokee

Deal $21,999

Deal $31,999

MSRP $27,430

#C206003

MSRP $38,440

2018 Jeep Cherokee MSRP $26,100

Deal $21,466

#C273590

#C274200

2018 Ram 1500 Quad Express

2018 Ram 1500 Crew Big Horn

Deal $30,762

Deal $35,470

MSRP $41,265

MSRP $48,220

#C805878

2018 Jeep Wrangler Unlimited MSRP $38,725

Deal $35,499

#C111398

#C225199

2018 Ram 1500 Crew Rebel

2018 Ram 1500 Crew Sport

Deal $43,249

Deal $43,810

MSRP $53,575

MSRP $56,060

#C230641

2018 Ram 1500 Crew Laramie MSRP $50,940

Deal $38,190

#C273180

#C157044

2018 Ram 2500 Tradesman Crew

2018 Ram 2500 Crew Limited

Deal $37,221

Deal $60,940

MSRP $45,895

MSRP $74,905

*Visit www.vaughnautomotive.com for pricing details and more deals. Some models include CCAP finance Rebate.

Located on Quincy & 34 West 1311 Vaughn Drive, Ottumwa

1-877-243-1769

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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SAVE OTTUMWA POST

JUNE 20, 201 8

Guardian of the Farm

Jag is the official outside dog. His job is to alert us of burglars and keep assorted wildlife from moving into the yard. Some days, he is better at his job than others. He does a fine job with burglars. When a vehicle drives down our road, he is alert and ready. If the vehicle turns into our driveway and he does not recognize it immediately, he barks viciously. In this way, he has done a remarkable job of protecting us from the Fed Ex man and the mailman. He has become a bit lax lately when it comes to protecting his yard from wildlife. For years, he has chased any rabbit or squirrel he sees. During all this time, he has never caught one unless someone has shot it for him. Since the weather has been so hot during for the past week, Jag seems to have developed the attitude of “why bother.” Sunday afternoon, he was resting in his chair on the porch (my chair) while two squirrels chased each other around the yard. He watched with only mild interest and made no effort to drive them off. I pointed at them and told him to go get them. He looked at me as if to say, “If you want them, you go get them.” I could understand if he did not see them. If a person points their finger, he looks at their hand. Pointing does not compute unless it is a gun. When I point a gun, he understands exactly where I am aiming and is convinced I am going to shoot something for him. He is also convinced I will never miss a shot. It is nice that he has so much faith in me. Since I was not going to shoot anything, my wife, Jag, and I watched the squirrels play as though they owned the place. By dusk, the temperature outside had dropped to a tolerable level. My wife and I were on the porch again, enjoying a cool breeze as the last rays of sunlight faded in the west. I pulled up another chair as Jag was still lounging in mine. I could see no point in kicking him out as he had things well under control from his vantage point. My wife spotted three deer down at the lake about a hundred yards away. They slowly grazed up the hill toward the house. If they stopped to browse on my apple trees, there was going to me trouble. If the dog would not chase them, I would go chase them myself. Fortunately, they grazed right on by, heading toward the bird feeders. I pointed at them and told Jag to get them. He pretended not to see them. By this time, they were fifty feet away. We enjoy watching the deer, but I draw the line at feeding them bird seed. If we let them get away with it once, in a week we would have fifty head of deer eating everything in the yard. When I stood up, the deer ran a few steps. Jag could no longer pretend to not see the deer and may have thought I was going for a gun. Like the trusty watch dog he is supposed to be, he jumped down from the chair, ran off the porch and across the yard half-heartedly chasing the deer. He was proud of himself when the deer ran away as he strutted back to the porch. I cannot say as I blame the dog for being a bit lazy when the weather is so hot. I am a bit that way myself. We will just have to accept the fact, on hot days, guard duties are only performed at a marginal level.

2018 Chevy Silverado 1500 DBL LT1 #105278

2018 Chevy Silverado 1500 DBL LT2 #243714

2018 Chevy Silverado 1500 Crew LT1 #416019

2018 Chevy Silverado 1500 Crew LT2 #386246

MSRP $44,815 Discount - $12,000

MSRP $46,350 Discount - $12,000

MSRP $47,415 Discount - $13,000

MSRP $4,325 Discount - $13,000

Deal $32,815

Deal $34,350

Deal $34,415

Deal $35,325

2018 GMC Sierra 1500 Crew SLT #272843

2018 GMC Sierra 1500 Crew SLT #357473

2018 Chevy Silverado 2500 LTZ Diesel #205295

2018 GMC Sierra 2500 Denali Diesel #247892

MSRP $55,450 Discount - $15,000

MSRP $56,105 Discount - $15,000

MSRP $67,410 Discount - $10,000

MSRP $71,450

Deal $40,450

Deal $41,105

Deal $57,410

*Visit www.vaughnautomotive.com for pricing details and more deals. Some models include GMF finance rebate.

Deal $62,252


JUNE 20, 201 8

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SAVE OTTUMWA POST

I’ve still got it With applications sent out to various school districts, Annie had been packing her household for weeks getting ready for the inevitable move. When she accepted a teaching position at a rural district, she set out on her own to Mason City, Iowa to find an apartment; picking a place without the assistance of her parents - without her dad’s help. I was so proud of her and at the same time found myself wallowing in a bit of self pity. She’s all grown up now, maybe she doesn’t need her dad anymore. Then came the call, “When can you come help me move, Dad?” she asked. I smiled. Maybe I’ve still got it - this Dad thing. “We can come down Sunday, after church.” I told her. I called U-haul to reserve a trailer and found out that there weren’t any U-haul stores open along our route to pick up on Sunday. We would have to get the trailer in Duluth and pull it down to Winona. I priced multiple options; whether to bring it back to Duluth, taking advantage of the local rental discounts, or pay more to drop it off in Mason City or Waterloo. I told the operator I would have to check some things and call back. We would need the trailer for two days. A local rental would be $60 for two days, $90 to leave it in Mason City, or $119 in Waterloo; which would be handy as I could use the trailer to help our oldest daughter, Sydney, with a project. You know that old adage; two birds, one stone. I called U-haul back. The kid on the line confirmed the various prices being held in the “quote” file for a one-way rental. “And how much if I return it to Duluth?” I asked. “$139,” he told me. He threw down the gauntlet - I accepted his challenge. The Uhaul sparring began. “It can not possibly be more to return it to Duluth.” I said. He confirmed, “Yeah, it is. It will be $139.” “There is no way. If I pick up and return the same place, it’s a local rental at $30 per day.” I explained. “That’s not what my screen says.” He replied. Frustrated, I said, “Well, clean your screen because it’s wrong.” He started babbling on, trying to explain the logic behind the pricing structure, then said, “Oh, you’re right. It would only be $30 per day.” Ugh. “And to leave it in Mason City?” I asked. He confirmed, “$90 if you leave it in Mason City, Iowa.” I crunched the numbers quickly to calculate the difference in additional fuel cost to return the trailer to Duluth. “Okay, let’s reserve the trailer to be picked up in Duluth, Minnesota, and dropped off in Mason City, Iowa, by noon on Tuesday.” I said. He repeated the order, gathered some additional information, then said, “...and your total will be $146.” “It was $90 to Mason City.” I reminded him. “Well, the price went up.” He replied. Visit ottumwapost.com to find out how the story ends.

JUNE 20, 201 8


JUNE 20, 201 8

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OPEN HOUSE SUNDAY June 24 • 1:00-2:30

221 Clem 3 BRs, 1 Bath

$59,900 MLS #20169960

Jeanna Pierce

641-680-3183 1-833-GO PRIDE

OPEN HOUSE SUNDAY June 24 • 3:00-4:30

213 E. Maple 4BRs, 1 Bath

$75,000 MLS #20169653

Jeanna Pierce

641-680-3183 1-833-GO PRIDE

When “That will never happen to me” happens. I’m ready to help. There’s never a good time for an accident to happen. But when it does, you can count on me to be there quickly so you can get your life back to normal. GET TO A BETTER STATE™. CALL ME TODAY.

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

We Are Pleased To Welcome the Newest Members To Our TEAM!

State Farm, Home Office, Bloomington, IL 1101204.1

The Morrissey’s: Paula Morrissey and (son/daughter-in-law) Levi and Laci Morrissey, together have over 30 years of experience with properties before entering the real estate field. This experience includes: home ownership/renting, rentals, renovations, and buying/selling! Paula and her husband Charlie, (both from Ottumwa), have owned several rental properties and renovated/sold many properties; all while raising 5 amazing children! Levi and Laci (also both from Ottumwa), own and operate Morrissey Management and Construction (MMC) and Catalyst Country. MMC is a residential/commercial construction company specializing in drywall. Catalyst Country is a private mental health counseling practice specializing in Animal Assisted Therapy. Together Levi and Laci own/co-own several residential and commercial rental properties and have renovated/sold many properties; while raising two beautiful children! In 2018, they were fortunate to enter the Real Estate Field together - an endeavor that not only fit well with their businesses, but was ultimately a dream realized! The Morrissey Team, partnering with the experienced and professional Team Real Estate, are available and excited to make all of your real estate dreams a reality! Feel free to contact them at: Paula - 641-814-2585; paula@teamottumwa.com Levi - 641-799-5816; levi@teamottumwa.com Laci - 641-455-9167; laci@teamottumwa.com

Fresh Faces, Fresh Ideas And Fresh Insight— Same Great Service!

www.teamottumwa.com | 641-682-2221 107 S. Court St., Ste. 7, Ottumwa


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Warrant Wednesday

SAVE OTTUMWA POST

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.

JUNE 20, 201 8 (Financial cont’d from pg 1) about-publication-969 to learn what expenses you can cover with an HSA. The second benefit HSAs provide is a tax-efficient source of funds. With an HSA, you can: • Deduct the value of any contributions to an HSA from your income taxes, even if you don’t itemize deductions; • Exclude from your income any contributions made to your HSA by your employer; • Accumulate earnings (interest, etc.) on savings in the account on a tax-free basis; and • Receive tax-free distributions to pay for qualified medical expenses. The third key feature of HSAs is that the money doesn’t have to be spent by a specific deadline. Funds can continue to accumulate in the account and be used at a later date, including retirement. The longer you contribute to a HSA, the more likely it is that you will accumulate meaningful savings which you can invest in other areas.

Name: Joseph Michael Agan DOB: 10/03/1985 Warrant Issued: 05/29/2018 Warrant Details: Violation of Parole

A retirement supplement Keep in mind that once you retire (and reach at least age 65), you can enroll in Medicare to help cover your heath expenses. Be aware that you will still need to pay premiums, including for Part B, the Part D prescription drug plan and Medicare supplemental insurance policies. In addition, Medicare generally doesn’t cover long-term care expenses, so you may need to purchase some form of long-term care coverage. Visit medicare.gov/ coverage/prescription-drugsoutpatient.html to see a list of what costs are covered. Your HSA savings are available for you to use on a tax-free basis to pay Medicare-related premiums and even to pay premiums for long-term care insurance. This is in addition to other qualified out-of-pocket expenses you may face in retirement.

Name: Dale Edward Bride DOB: 02/11/1953 Warrant Issued: 06/06/2018 Warrant Details: Failure to Appear on Driving While Barred

Tax-free access to dedicated healthcare savings can give you peace of mind in retirement. If you already contribute to an HSA or are considering enrolling in a high deductible health plan, consider working with a financial advisor and tax advisor who can help you evaluate what the account could mean for your financial situation. 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 27 years. To contact him, call 641-684-4200 or stop by his office at 527 W. Second in Ottumwa, Iowa.

Ray’s Longbranch Homemade 1/2 lb. Tenderloins & Hamburgers Drakesville, IA • 722-3355


JUNE 20, 201 8

SAVE OTTUMWA POST •OTTUMWAPOST.COM

PAGE 7

Ottumwa Listings New Listing

53 Woodshire Drive 4BRs, 3.5 Baths

10796 Angle Road 3BRs, 3 Baths

$380,000

$419,000

8 Birchwood Heights Drive

3BRs, 4 Baths

$370,000

16 Timberview Estates 4BRs, 2 Baths

$350,000

$218,000

New Listing

249 E. Pennsylvania 4BRs, 2 Baths

$149,000

New Listing

2404 N. Court 2BRs, 1 Bath

$94,900

32 Woodshire Drive 4BRs, 2.5 Baths

5 Eleanor Drive 3Brs, 3 Baths

$179,900

$185,000

New Listing

$74,000

2409 N. Court St. 2BRs, 1 Bath

$45,000

55 Schwartz Drive 3BRs, 2.5 Baths

$175,500

$173,000

New Price

423 N. Court 4BRs, 1.5 Baths

$145,000

$144,000

1727 N. Elm St. 3BRs, 3 Baths

1932 Gladstone 3BRs, 2 Baths

$132,000

$129,900

New Price

New Listing

211 W. Golf 2BRs, 2 Baths

504 Lake Drive 2BRs, 1 Bath

$92,000

$315,000

$282,000

28 Raynan Drive 4BRs, 4 Baths

$264,500

633 Crestview 3BRs, 2 Baths

$229,000

New Listing

New Listing

1310 Lynwood Avenue 5BRs, 2.5 Baths

1515 Steller Avenue 3BRs, 2.5 Baths

535 Bryan Road 3BRs, 2 Baths

219 Pleasant 3BRs, 2 Baths

1921 Gladstone 2 BRs, 2.5 Baths

14 Silverwood Drive 3BRs, 2 Baths

505 Lynwood Circle 4 BRs, 2 Baths

216 Vogel 3BRs, 1.5 Baths

123 Lynwood Avenue 3+BRs, 2 Baths

213 E. Maple 4BRs, 1 Bath

1335 N. Elm #210 2BR, 2 Bath Condo

$170,000

$149,000

$159,900

$169,900

New Price

17 Schwartz Drive 3BRs, 2 Baths

$125,000

1306 N. Wapello 3BRs, 2 Baths

1328 Mowrey 2BRs, 1 Bath

$77,900

$79,000

$84,500

New Listing

$125,500

$119,900

$124,900

New Listing

929 N. Court 2 BRs, 1.5 Baths

$87,500

New Listing

419 Chester 3BRs, 2 Baths

312 Vanness 4 BRs, 3 Baths

38 Brookwood 3-4 BRs, 3 Baths

New Listing

New Price

31 Cambridge Court 3BRs, 2.5 Baths

85 Woodshire Drive 3BRs, 3.5 Baths

New Listing

$76,000

New Listing

$75,000

New Listing

222 S. Ransom 2BRs, 1 Bath

1406 N. Elm 2BRs, 1 Bath

202 Grand 3BRs, 1 Bath

703 Gladstone 2 BRs, 1 Bath

Did You Know We’re Iowa Buyers’ Specialists at Lake of the Ozarks?

$69,900

531 Chester 2BRs, 1 Bath

$75,000

$68,000

$35,000

729 Overman 3BRs, 1 Bath

221 Clem 3BRs, 1 Bath

$64,900

$49,900

$57,000

$59,900

533 Lillian 2BRs, 1 Bath

$48,000

1223 Hammond 2BRs, 1 Bath

$45,000

OSKALOOSA Listings New Listing

2464 Otter Hills Lane 5BRs, 5.5 Baths

$449,900

New Listing

New Listing

917 Fox Run Drive 4BRs, 3.5 Baths

2345 310th Street 4BRs, 3 Baths

$365,000

New Listing

150 Highland 4BRs, 2.5 Baths

$269,500

$299,900

New Listing

501 S. D Street 3 BRs, 2 Baths

$109,900

209 4th Avenue E. 3BRs, 2 Baths

New Listing

602 5th Avenue W 3BRs, 1 Bath

$107,000

$70,000

New Price

New Listing

2280 267th Street 2BRs, 2 Baths

$199,900

516 N. G 3 BRs, 2 Baths

112 S. I Street 3BRs, 2 Baths

$130,000

$164,500

709 N. B Street 3 Units

$59,900

$65,000

315 N. B Street 3 BRs, 1.5 Baths

511 N. 1st Street 3BRs, 1 Bath

1110 10th Ave. E 4BRs, 1 Bath

Multi-Family

New Listing

$124,900

Multi-Family

605 N. Market 3BRs, 2 Baths

528 N. D Street 4BRs, 3 Baths

614 A Ave E, Oskaloosa

420 N. 4th 2BRs, 1 Bath

2 Units

$49,900

$49,900

$112,900

$25,000

$20,000

SURROUNDING COMMUNITIES New Price

New Price

3632 240th Ave, Blakesburg 5BRs, 3 Baths

$250,000

$89,500

$146,000

$225,000

319 N. College, Agency 3 BRs, 1 Bath

$89,000

252 S. Miles, Fremont 2BRs, 1 Bath

$87,900

993 Hwy 14, Knoxville 2 BRs, 1 Bath

302 Patch, Leighton 4BRs, 2.5 Baths

17351 210th St., Sigourney 3BRs, 2 Baths

$134,900

$135,000

New Listing

New Listing

313 S. 6th, Albia 3BRs, 2 Baths

12778 300th, Hedrick 3BRs, 1 Bath

1869 Lynn Ave., New Sharon 3 BRs, 2 Baths

New Price

New Price

$131,900

$55,000

$125,000

New Listing

New Price

206 W. Sixth St., Hedrick 2BRs, 1 Bath

23138 207th Ave, Sigourney 3BRs, 2 Baths

202 Main, Rose Hill 3BRs, 1 Bath

420 4th Ave E, Albia 1BR, 1 Bath

504 W. Johnson, What Cheer 3BRs, 1 Bath

$49,900

$52,400

$39,900

Commercial Listings

$1,050,000 – 2274 Hwy. 63, Oskaloosa $249,900 - 1247 Illinois Drive, Knoxville $875,000 - 1014 3rd Avenue, Grinnell $247,500 - 214 Hwy 432, Oskaloosa $225,000 - 1120 Pennsylvania, Ottumwa $350,000 - 2604 N. Court, Ottumwa

Ottumwa Lots, Lands & Farms

$224,200 – 62nd $200,000 - 10796 Angle Road $160,000 - 404 Mary $35,000 - Montagne Lane

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

John Carter, Broker/Owner, 641-569-3456

Liz Schiller, Broker, 641-777-5269

$130,000 - 2110 N.Court, Ottumwa $115,000 - 301 Church St, Ottumwa $115,000 - 4118 73rd St., Agency

AJ Gevock Sales Associate, 641-919-1784

Nancy Menke CRS Sales Associate, 641-680-2293

LICENSED IN

$109,900

102 W. Penn, Williamsburg 3BRs, 1.5 Baths

$99,900

Did You Know We’re Iowa Buyers’ Specialists at Lake of the Ozarks?

$100,000 - 116 Green St., Ottumwa $79,750 - 108 E. Main, Fremont $75,000 - 1317 E. Main, Ottumwa

Oskaloosa & Area Lots, Lands & Farms $142,000 – Kent Avenue, Oskaloosa $80,000 - 10973 Stag Lane, Moravia $50,000 - Hwy. 23, Oskaloosa $37,500 – 809 15th Avenue, Oskaloosa $35,000-$48,000 - Lots on Otter Hills Lane

$32,500 - Bladensburg Road $30,000 – 14 Pinehurst Circle $30,000 - 16 Pinehurst Circle $15,000-1412 Prairie

Karen Converse, Broker Associate, 641-295-4546

1012 Penn Blvd, University Park 3 BRs, 1.5 Baths

Jeanna Pierce Sales Associate, 641-680-3183

Cindy Latos, Sales Associate, 641-799-3269

Marlene Hunt, Sales Associate, 641-799-0184

Serena Burton, Sales Associate, 641-777-9353

IOw A & MISSOURI

Joe Traul, Sales Associate, 641-455-5077

Joella Turner, Sales Associate, 641-226-4995

Hannah Troxel, Sales Associate, 641-814-6868


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