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
