Feature The Sweet Repeat Thrift Store is open from 9 a.m. to 1 p.m. Thursday and 8:30 to 2:30 p.m. Saturday. The store is staffed by volunteers. All profits support local charities, such as God’s Kitchen, Children’s Attention Home, Clover Area Assistance Center, River Hills/Lake Wylie EMS and Hospice.
Invest green now for your golden years
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reparing for our “golden” years is something we don’t always want to contemplate. However, being prepared will not only make those days more enjoyable for you, but also for your loved ones. When planning for these days, you have to consider both financial and health issues. Below are the top 10 items to consider when planning for retirement and beyond. First, the top five tips related to your financial future. 1. Review your tax withholding. If you get a tax refund every year, you may need to adjust
your withholding. You can invest these additional dollars into an IRA. 2. Consider downsizing. Any additional money can also be used to support your retirement. 3. Pay off debt. 4. Visualize your future. You will be more committed if you can visualize the wonderful things you’ll be doing in retirement. Put a picture of a sandy beach or a grandchild in your wallet to view anytime you need encouragement. 5. Catch-up contributions. If you are 50 years of age, you may be able to make “catchup” contributions to your plan. Second, the top five tips related to important documentation you need to have completed and kept in a secure place. 1. A will. This is the most important document and one that every adult should possess. 2. Health care proxy. This proxy gives someone you trust the legal right to make medical care decisions on your behalf if you aren’t capable of making them yourself. 3. Living will. This is a legal document that speaks for you when you are unable to do so. A living will normally addresses whether extraordinary care medical treatment should be administered. 4. Durable power of attorney. With this document, you can name a person to serve as your “attorney-in-fact” to
act for you in handling your financial and legal affairs. 5. Emergency information sheet. This list will provide the information someone needs to contact Joe Silva with Allstate can your famihelp you plan for the future. ly members and locate important documents, including the four discussed above. (Editor’s note: All of these important papers can be printed on recycled paper and kept in eco-friendly packaging.) LW
Allstate Insurance Co. David Vickers Agency 4937 Charlotte Highway Suite 104 Lake Wylie, SC 29710 803-831-8958
Fall 2013 | www.LakeWylieToday.com
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