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Newspaper Archive of
N. Warren Town and County News
Norwalk, Iowa
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November 14, 2019     N. Warren Town and County News
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November 14, 2019
 

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Thursday, November 14, 2019 N/Warren Town and County News Page Nine Ways to Avoid Reckless Holiday Spending That Could Wreck Your Retirement While an enjoyable part of the holiday season is giving to others, those nearing retirement would be prudent to give something back to themselves as the year nears its end. That’s the advice from some retirement planners: Reduce holiday spending to provide more money for one’s retirement savings. But it’s a well-known fact that much of America wakes up with a credit card hangover on New Year’s Day, and curtailing holiday expenses in favor of financial planning for one’s future requires more discipline and a stronger commitment. “It’s easy to overspend during the holidays and make too many emotional purchase decisions,” says Jay Sharifi, an investment advisor at Legacy Wealth Management (www.1wealth management.com) and author of Building a Better Legacy: Retirement Planning for Your Lifetime and Beyond. “That hurts your long-term financial goals. “The holiday shopping list may seem to get longer as you get older, but at some point you need to draw a line and balance your urge to give with the must of retirement considerations. It doesn’t mean you leave people out, but rather, you don’t go overboard and leave a little more for yourself. It can make a big difference in the long run.” Sharifi offers these tips to save more for retirement during the holiday season: Review your past expenses and plan for the big picture. The holidays are a good time to reflect on how you spent your earnings over the past year. Adjustments may be necessary to get ' your retirement savings on track. “All through the year, money gets away from people a little bit at a time,” Sharifi says. “That’s often because they don’t have a firm plan. Not dealing with your expenses correctly can be Extra copies of “a the Norwalk paper can be purchased ./ at Casey’s, Kum Go, Git-N- Go, and Fareway. :- IT ‘fif't‘rygb mf— writ” very costly to your retirement. The holidays are the right time to recalibrate for the future.” Make a holiday list, check it twice. Sharifi says people should approach their holiday season spending in a way that can help them get on track toward retirement goals. That starts with a budget and sticking to it, but many people overspend during the holidays and end up paying for it well into the new year. “If you have a budget set for holiday shopping, you can prioritize and figure out how you will get it done within those boundaries,” Sharifi says. “Look for deals to stretch your dollars. Setting a budget will help you avoid spending sprees that leak onto your credit cards. The carryover there is you may need to dedicate funds in the coming year to reduce that debt, which makes it harder to save for retirement.” Sock away gifts from the company. Getting extra money from your company is a reward that can be used wisely toward retirement. “If you receive a nice bonus, don’t spend it,” Sharifi says. “Put that extra cash in a 401(k). That lowers your taxable income and gives you a boost toward your saxings goals. And if your company offers you a raise, set a healthy percentage of that raise aside for retirement savings in the coming year.” Make extra money.Holiday seasonal jobs are an excellent cpportunity to put extra money away for retirement. Online positions allow someine to work from home, and pet sitting is another popular part-time job with more people traveling during the holidays. “It’s very tempting t) spend this extra money, but if you have the big picture in mind, putting it in a long-term savings account is a great gift to yourself,” Sharifi says. “With many Americans sinking further into debt during the holidays, it might be the right time for them to rethink how they spend and how it affects retirement,” Slarifi says. Have a news item fa the paper? Snd it to us ry email at nevs@norwalk newspaper: com MidAmerican Energy Customers Can Apply For Help With Energy Bills MidAmerican Energy Company encourages customers struggling to pay their energy bills to seek assistance through state low-income home energy assistance pro- grams. LIHEAP is a federally funded energy assistance program designed to help low-income families who need assistance paying their heating bills. The program provides winter heating assistance to qualifying customers. Each state receives and administers LIHEAP funds from the US. Department of Health and Human Services block grants, so programs vary by state. “LIHEAP funds help our low-income cust- omers manage their winter heating bills,” Mike Gehringer, vice president of customer operations for Mid—American Energy, said. “We encourage cust- omers to take advantage of LIHEAP assistance. Any customer who is having financial chall- enges should contact us to discuss our budget billing program and other payment options.” Cust-omers can call MidAmer—ican Energy at 888-427-5632. Iowa LIHEAP infor- mation: Community action agencies in Iowa review applications and administer grant funds. Household income and size, type of primary heating fuel, housing type and other factors are considered. To be eligible for LIHEAP in Iowa, the total household income for an appl'cant must be at or below 175% of 2019 federalpoverty guide- lines. Tor example, a single-person household is eligible with an annual gross imome at. or below $21,858 A family of four is eligibe with an annual gross irrome at or below $45,063 Eligibe customers who need help with energy bills should apply for LIHEAP at a local community action agen- cy. The Iowa Department of Human Rights has additional information about the program and eligibility requirements. OFFICIAL PUBLICATION Notice of Sheriff's Levy and Sale WARREN COUNTY SHERIFFS OFFICE PO BOX 337. INDIANOLA. IA 50125 - (515) 961-1122 IN THE IOWA DISTRICT COURT FOR WARREN COUNTY STATE OF row». I I ss WARREN COUNTY I NOTICE OF LEVY PLAINTIFF: AMERICAN SOUTHWEST MORTGAGE CORP vs. DEFENDANT: FOGUE. CHASYTI ANNE DEFENDANT -‘ FOGUE, CHASYTI ANNE SPOUSE 0F DEFENDANT: IOWA HEALTH SYSTEM DEFENDANT: PARTIES IN POSSESSION As a result of the judgment rendered in the above referenced court case, an execution was issued by the court to the Sheriff of this county. The execution ordered the sale of defendantIs) rights. title, and interest in Real Estate Property to satist the judgment. The property to be sold Is: tor 1044 GREENFIELD PLAZA fiufi 33fWA§i§ENE§UNW§iE ‘A Street Address {Ii-5 . 801 W 2ND .1 This se’e not subject to redemption. Property exemption: Certain money or property may be exempt. Contact your attorney promptly to review specific provrsions of the law and flie appropriate notice. if applicable. Brian S. Vos 11/06/2019 OFFICIAL PUBLICATION Notice of Sheriff‘s Levy and Sale WARREN COUNTY SNERIFFS OFFICE PO BOX 337, INDIANOLA, IA 50125 (515) 961-1122 IN THE IOWA DISTRICT COURT FOR WARREN COUNTY STATE OF IOWA I Docket No. (Sale No.) 19271241) _ h p: I 83 Court No.IEQCV036327 3 WARREN COUNTY I NOTICE OF LEW PLAINTIFF : REGIONS BANK DIB/A REGIONS MORTGAGE vs DEFENDANT: KIRGAN, TRAVIS CALHOUN ‘ DEFENDANT: KIRGAN, DANA ELIMBETH A/KIA DANA KIRGAN As a result of the judgment rendered in the above referenced court case, an execution was issued by the court to the Sheriff of this county. The execution ordered the sale of defendanus) rights. true. and interest in Real Estate Property to satist the judgment. The property to be sold is: WEST 145 FEET OF AUDITOR‘S OUTI. RREN c once-s PLAT 0F OUTLOTS 1:6 MILO. WA v' This sale not subject to redemption. Property exemption: Certain money or property may be exempt. Contact your attorney promptly to review specific provisions of the 11/06/2019 Ierian s. Vos OFFICIAL PUBLICATION Notice of Sheriffs Levy and Sale WARREN COUNTY SHERIFFS OFFICE - PO BOX 337. INDIANOLA. IA 50125 ' (515) 961-1122 IN THE IOWA DISTRICT COURT FOR WARREN COUNTY STATE OF IOWA I Docket No. (Saie No.) I” I 38 Court No WARREN COUNTY I NOTICE OF LEVY PLAINTIFF: US. BANK NATIONAL ASSOCIATION. AS TRUSTEE FOR RESIDENTIAL FUNDING MORTGAGE SECURITIES I. INC, MORTGAGE PASS—THROUGH CERTIFICATES= SERIES 2006-32 vs. SAEMISCH, ANNA MARIE SAEMISCH, JOHN LEE SAEMISCH. ANNA MARIE SPOUSE OF ’ SAEMISCH. JOHN LEE SPOUSE OF PARTIES IN POSSESSION DEFENDANT : DEFENDANT : DEFENDANT : DEFENDANT Z DEFENDANT 2 As a result of the judgment rendered in the above referenced court case. an execution was issued by the court to the Sher-if? of this county. The execution ordered the sale of detendant(s) rights. Iitle, and interest in Real Estate Property to satist the judgment. The property to be sold Is: {THE EASTERLY 68—35 or LOT 26. PARKWEW‘SOUTH PHAsiéii'fiiEAsuaeo PERPENDIcur/{afiioii‘riliE'EAsr LINE OF SAID LOT 26. ALL IN PARKVIEW SOUTH PHASE II, CARUSLE. WARREN COUNTY. IOWA. EMW.V_...._M.,,.. ................._....~.._..._..,..._‘... Street Address $530 PATTERSON DRIVE. mum. lOWA 50041 Theoeecfibedpmmflywflbeofiuadbrsaiedpwicmbrmhonlyasfoflows: a «v This sale not subject to redemption. , Property exemption: Certain money or properly may be exempt. Contact your attorney promptly to review specific provisions of the law and file appropriate notice it appiicable. {WIRBICKI LAW GROUP. LLC 1 12 360—9455 $170,942.57 E )— 11/132019 Brian s. Voe