Take a Holistic Approach to Retirement Planning

Experts generally concur that it’s never too early to begin planning for retirement, but depending on your stage of life, your approach may vary………

(Family Features) Although retirement is a milestone for all working adults, decades of hard work may not pay off if you haven’t planned for your financial needs once a regular paycheck stops coming.

According to research by the Insured Retirement Institute (IRI), millions of Baby Boomers stepping into their retirement years have unrealistic expectations and lack a full understanding of the danger of running out of money during retirement. However, the challenges do not stop with Baby Boomers. A recent study indicated 47 percent of Gen-Xers and more than half of Millennials believe a secure retirement is beyond their reach.

“Most people recognize the need to grow their wealth before retirement, but getting there isn’t always a clear path,” said Cathy Weatherford, IRI president and CEO. “Starting early and taking a holistic approach to financial planning is truly essential for a safe and dignified retirement.”

Experts generally concur that it’s never too early to begin planning for retirement, but depending on your stage of life, your approach may vary. Consider this advice from the experts at IRI to get on a path toward financially secure retirement.

Photo courtesy of Getty Images

Student
Forming good money habits can set you up for a lifetime of success. An act as simple as putting spare change in a jar can help you start saving. Talk to adults you trust about how to create a budget and work toward a financial goal. Auto insurance and cell phone bills are important expenses to factor into your budget.

Building a career
Once you have a solid budget, stick to it and set aside some money to save. Compound interest adds up over time and the earlier you start compounding, the better. Credit will also start to play more of a factor in your life, as major expenses like buying a house or car, or starting a business rely greatly on your credit.

Mid-career
At this stage, your employer may offer a retirement savings plan. Whether you have various investments to manage or not, you should start to look at your building your portfolio and retirement plan. This mid-career life stage is a good time to set a retirement savings goal, and now is also the time to consider hiring a financial advisor.

A professional can help you explore less understood but worthwhile approaches to holistic retirement planning such as annuities. Annuities are essentially insurance contracts that come in different types and offer several options to meet a variety of financial objectives. They are a guarantee of income as you age.

Late career
At this stage, you probably have a better idea as to when you will be able to retire, but it’s important to review your savings on an annual basis and make adjustments, if needed, to stay on track. As you approach retirement, you’ll want to research Social Security, Medicare and long-term care options to ensure you have a comprehensive view of your future finances.

Ready for retirement
If you haven’t already done so, the time has come to better research your Social Security benefits (and when it’s best to start accessing them), Medicare coverage and long-term care options. This is the time to start making some choices, such as whether you will downsize your home and how to eliminate as much debt as possible. One of the more complex aspects surrounding retirement can be determining which of your accounts to tap and in what order, and a professional can help guide you.

Explore more resources and tools to aid your retirement planning at retireonyourterms.org.

 

SOURCE:
Insured Retirement Institute

Class Reunion Planned for Saturday, July 29th

60th Class Reunion for NBHS Class of 1957

The North Baltimore Class of 1957 will hold their 60th Class Reunion this Saturday July 29th , at 5 pm.  The Class Reunion will be held at the Liberty Township Fire Hall,  7692  County Road 140 Findlay.

There were 42 in our Graduating Class! Reservations may be called in to Sondra (Freeland) Baumgardner 419 722 2224 or Bonnie (Whipple) August 419 348 8005 . Other members of the 60th celebration committee are Beverly ( Blackman) Birchfield and Mary (Julien) Gonyer.

WCCOA receives National Accreditation

The Wood County Committee on Aging is commended for its vision, collaborative relationships, outreach programs, wide range of health and fitness programs, quality inclusion programs, and support groups programming…….

The Wood County Committee on Aging, Inc. has received Accreditation status for the period of 2017-2022, by the National Council on the Aging / National Institute of Senior Centers (NISC).  Accreditation was awarded at the recent conference of the NCOA/NISC held in Oak Brook, Illinois.  Paul Dauch, WCCOA’s Food Service Manager was present to accept the plaque recognizing the accreditation status.

Left to right: Lynn Fields Harris, Chair NISC Leadership Council; Paul Dauch, WCCOA Food Service Manager; Jim Firman, President/CEO National Council on Aging

WCCOA was honored to be recognized as Ohio’s first accredited senior center in 2001 and just the 25th nationwide of the 15,000 senior centers in the United States.   The 2017 Accreditation status is the fourth time WCCOA has achieved this elite status.

 

Accreditation is unique to the senior center field and demonstrates outstanding leadership and commitment to quality programs and services to older adults.  The Wood County Committee on Aging is commended for its vision, collaborative relationships, outreach programs, wide range of health and fitness programs, quality inclusion programs, and support groups programming.  NISC peer reviewer, Christine Beatty, Director of the Madison Senior Center in Madison, Wisconsin, notes the prominent role the WCCOA holds throughout Wood County.

 

The WCCOA is a nonprofit organization serving older adults throughout Wood County.  The mission of the Wood County Committee on Aging, Inc. is to provide older adults with services and programs which empower them to remain independent and improve the quality of their lives.  For more information WCCOA’s programs and services, contact 419.353.5661, or 1.800.367.4935, or visit our website at www.wccoa.net

 

Wood County Committee on Aging invites community input in planning new Wood County Senior Center Building

The first session will be held on Tuesday, June 20 at 1:30 p.m. and the second session will be held on Tuesday, June 27 at 6:30 p.m…….

Bowling Green, OH  – The Wood County Committee on Aging, Inc. (WCCOA) will be hosting two community input sessions that will aid in the design of the new Wood County Senior Center facility.

 

The first session will be held on Tuesday, June 20 at 1:30 p.m. and the second session will be held on Tuesday, June 27 at 6:30 p.m. Both sessions will be held at the Wood County Committee on Aging, located at 305 N. Main Street, Bowling Green, OH and will be open to the public. Please join us to assist in planning our future facility!

 

The mission of the Wood County Committee on Aging, Inc., shall be to provide older adults with services and programs which empower them to remain independent and improve the quality of their lives.

 

For information on programs and services, please contact the Wood County Committee on Aging, Inc., at (419) 353-5661, (800) 367-4935 or www.wccoa.net.

TODAY Summer Picnic at Briar Hill H. C.

North Baltimore’s Briar Hill Health Campus INVITES YOU to the Summer Picnic, with FREE food, entertainment and activities for all ages!

North Baltimore’s Briar Hill Health Campus INVITES YOU to the Summer Picnic, with FREE food, entertainment and activities for all ages!

This FREE Community Event will by Thursday, June 15, from 5:00 pm to 7:00 pm, at the health campus, at 600 Sterling Drive, out on Briar Hill Rd. (SR 18 East).

Live entertainment by East of Cheyenne will be provided.

Call 419-257-2421 for more information!

Wood County Committee on Aging, Inc. to hold Retreat

Friday, June 23, 2017 from 8:30 a.m. to 3 p.m. held at the 577 Foundation……

Bowling Green, OH (June 9, 2017) – The Wood County Committee on Aging (WCCOA) will be holding a  Retreat entitled “Project Wisdom” on Friday, June 23, 2017 from 8:30 a.m. to 3 p.m. It will be held at the 577 Foundation, located at 577 East Front Street in Perrysburg, OH. The event is sponsored by StoryPoint Senior Living.

 

  • The morning will begin with registration and light refreshments at 8:30 a.m.
  • At 8:45 a.m. will be a Chair Yoga and Meditation session led by certified instructor Kelsey Knoop, a senior at Bowling Green State University.
  • At 9:30 a.m. will be “Wellness, Purpose & Abundance with Young Living Essential Oils,” a talk that will include information, instructions, and samples covering the uses of essential oils. Led by Karen Glassford, a graduate of Bowling Green State University and of “Executive” rank with Young Living.
  • At 10:45 a.m., Guest Speaker Barb Roose will share about how we can plant seeds of happiness and joy in our lives. Even if you’re navigating tremendous personal challenge, Barb will equip you with a simple, practical exercise you can do each day that will allow happiness to flourish in any season of your life. Barb Roose is a speaker and author from the Toledo area. She has a passion for helping people activate and elevate their leadership gifts at the highest levels. She served on staff at CedarCreek Church in Perrysburg, OH for 14 years, most recently as the Executive Director of Ministry. Prior to CedarCreek, Barb was an award-winning pharmaceutical sales representative and non-profit executive director.
  • Lunch will be at noon, provided by Kingston of Perrysburg.
  • At 1:15, participants will have a choice of either having some quiet time to journal and explore the grounds, or join Becky Laabs for “Nurturing Your Creative Side,” which is a session on how creativity can enhance multiple aspects of your life.
  • Closing for the day is at 2:30pm, where participants will receive flowers and gift bags sponsored by StoryPoint Senior Living.

 

Seating is limited to 25 individuals. Cost to register is $15. For further details or to register, please contact the Programs department at WCCOA by calling (419) 353-5661 or (800) 367-4935, or by e-mailing programs@wccoa.net. When registering, please specify your choice of session: “Nurturing Your Creative Side” or “Journaling/Strolling the Grounds”. Vegetarian lunch options are available upon request.

 

The mission of the Wood County Committee on Aging, Inc., shall be to provide older adults with services and programs which empower them to remain independent and improve the quality of their lives.

 

For information on programs and services, please contact the Wood County Committee on Aging, Inc., at (419) 353-5661, (800) 367-4935 or www.wccoa.net.

WCCOA receives grant award

Subaru Share the Love Event ® helps deliver nutritious meals and compassion to Wood County’s seniors……….

 

Bowling Green, OH, May , 2017 – Wood County Committee on Aging, Inc.(WCCOA) is proud to announce that a grant award in the amount of $4,537.41 has been received for our partnership with local Subaru dealerships.  Employees from LaRiche Subaru, in Findlay, and Yark Subaru, in Toledo, assisted with the delivery of home delivered lunches during the 2016 holiday season.  For the ninth straight year, Subaru has donated $250 for every new vehicle sold or leased to the customer’s choice of participating charity through this event and Meals on Wheels America (MOWA) members, like WCCOA, received a share of the revenue raised by Subaru in their state.

 

“I am proud to say this is the sixth year WCCOA has partnered with area Subaru dealerships for this event.  With the help of Subaru and MOWA we are able to raise awareness of the importance of a hot, nutritious meal to our older, frail clients.  These meals and drivers provide nourishment and happiness to the older adults we serve,” said Angie Bradford, WCCOA’s Director of Food Service.

 

“It is a true testament to the value of Meals on Wheels and the strength of our nationwide network that Subaru of America and its customers choose to give back to this vital service year after year,” said Ellie Hollander, President and CEO, Meals on Wheels America. “Since its inception, Share the Love has helped deliver more than 1.4 million meals to seniors served by Meals on Wheels.”

 

“We at Subaru are thrilled to support our national and hometown charity partners for the ninth consecutive year,” said Alan Bethke, Senior Vice President of Marketing, Subaru of America Inc. “Through the Share the Love platform we are proud to continue our commitment to the causes our customers care about most and look forward to exceeding a grand total of $90 million donated through this initiative.”

 

 

For more information, visit www.mealsonwheelsamerica.org/sharethelove.

 

About Wood County Committee on Aging

The mission of the Wood County Committee on Aging, Inc., shall be to provide older adults with services and programs which empower them to remain independent and improve the quality of their lives.

 

For information on meals, programs, or services please contact the Wood County Committee on Aging, Inc., at (419) 353-5661, (800) 367-4935 or www.wccoa.net.

 

About Meals on Wheels America

Meals on Wheels America is the oldest and largest national organization supporting the more than 5,000 community-based programs across the country that are dedicated to addressing senior isolation and hunger. This network exists in virtually every community in America and, along with more than two million staff and volunteers, delivers the nutritious meals, friendly visits and safety checks that enable America’s seniors to live nourished lives with independence and dignity. By providing funding, leadership, education, research and advocacy support, Meals on Wheels America empowers its local member programs to strengthen their communities, one senior at a time. For more information, or to find a Meals on Wheels provider near you, visit www.mealsonwheelsamerica.org.

Poetry Contest Winners proclaimed in a countywide event entitled, “Powerful You”

Twelfth annual contest…………………

Bowling Green, OH (April 28, 2017) –The Wood County Committee on Aging, Inc. held its twelfth annual poetry banquet and drew in fifteen entries from all over Wood County. The theme this year was “Powerful You.” The poems reflected the individual’s personal feelings about power, having it, or the lack thereof. We were looking for poetry that, in some way, shows the scope of power of members of Wood County citizens as they continued to live their lives.

A celebration for the entries and recognition of the winners took place on Monday, April 24 at 4 p.m. at the Wood County Senior Center. The declared winner was Marilyn Lott, author of “Family.” The second place winner was Patti Brown from Bowling Green, Ohio with her poem entitled, “Numbers Have Power.”

When asked about judging the Poetry Contest, Bowling Green State University General Studies Writing Instructor Chad Michael Van Buskirk commented, “Judging the poetry contest was a wonderful opportunity to engage with the fascinating and meaningful experiences and insights of our community’s older adults. The pieces submitted remind us that thoughts of memory, desire, loss, and resilience are perennial. Reviewing the submissions is always an enjoyable, enlightening process.”

The Wood County Committee on Aging would like to extend a sincere thank you to all of the entries for their contributions to the contest. The contest committee would like to extend a special thank you to Bowling Green State University for assisting with the judging of the entries. To read the winning poems visit our blog at http://woodcountycommitteeonaging.blogspot.com 

Editor’s note: We are posting the First place and Second place winning entries here for you to enjoy, also an entry that came from North Baltimore resident Larry Slaughterbeck.

Family

By: Marilyn Lott

*FIRST PLACE WINNER*

What’s in Joy????Who’s Scared????What’s in Anger????What’s Fear????
Happiness and friendsNervous and curiousScreams of tearsSadness, Confusion????
Thoughts bubbling highWonders fill the mindsCries of a hurt heartA big bubble of what????
Because in my sisters joybecausebecauseBut
I see her fun.My sister is scaredIn my brother’s angerIn my cat’s fear
In my sisters joyI see her cries.I see red.I see a dash.
I feel happy.My sister is scaredIn my brother’s angerIn my cat’s fear
In my sisters joyShe feels trapped.I hear “mom!!!!”I hear the meow.
I touch her fear.My sister is scaredIn my brother’s angerIn my cat’s fear
In my sisters joyI touch sister power.I touch tears.I touch the scared ball
I taste her love.My sister is scaredIn my brother’s angerof fluffiness.
In my sisters joyI hear the butterfliesI feel sad.In my cat’s fear
I smell that she will alwaysin her stomachIn my brother’s angerI taste the love.
Be my sister.My sister is scaredI smell that in different
I smellways
Nervousness!!!!Will always smell Joy.
Who knows whatWhat’s happiness???When you think of love
excitement is????Joy and loveWhat do you think
Happy??? Joy???Playing with friendsof????
Wonders of excitementbecauseSadness, Cuteness
becauseIn my mom’s happinessYour Mom or Dad?
In my dad’s excitementI feel great.In my love I have my
I see a tractorIn my mom’s happinessFamily.
Waiting for him.I see a smile.Who do you love???
In my dad’s excitementIn my mom’s happiness
I hear “Brilliant!”I touch our relationship.
In my dad’s excitementIn my mom’s happiness
I taste our love.I smell something good
In my dad’s excitementbaking
I smell we’rein the oven.
Never going
To be apart.

Numbers Have Power

By Pattie Brown

*SECOND PLACE WINNER*

When I look in the mirror I see seventy-four staring back at me.

Time seems to move faster with each passing day.

My quick motion has been replaced with a slow pace.

I no longer worry about things I can’t control.

Laughter comes easier when I don’t take life too serious.

I can now laugh when my moth disconnects with my mind.

I see my gray hair, sagging skin, dark spots and wrinkles

as my rewards for living a productive life.

With each passing year I have acquired more understanding,

compassion and patience for who I am.

I wake up each morning grateful I still have the motivation

and discipline to meditate and exercise daily.

As my number increases I will continue to live, give, love

and laugh as long as my journey endures.

 

 

THREE QUARTERS

By Larry E. Slaughterbeck

In our small town

She was known as an old maid.

Early in the twentieth century

She was known as the prettiest girl

In our small town.

AS the cascading years followed her youth

Her siblings married and raised families

She cared for her elderly parents and babysat

In our small town.

Every Sunday she would be found in the last row of church

Where she was baptized and confirmed as a child

She would bake beans for funeral dinners

On Sunday mornings arrive as the opening hymn was sung

And every Sunday quietly place three quarters in the offering plate

Leave as the closing hymn was sung.

Adorned in a dress she had sewn and later buried in

In our small town.

Then only last Sunday in the offering place,

Beneath the offering envelopes

Lay three quarters.

The scripture lesson that Sunday spoke of another Sarah.