GET A GRIP ON YOUR
RETIREMENT !
Make the move to a Catholic Order of Foresters ( COF ) Advantage Plus Single Premium Deferred Annuity . 1 Your current IRA , 401 ( k ), 403 ( b ), bank CD , Profit Sharing Plan or pension can earn up to
4.75 % 2
using a tax-advantaged trustee to trustee transfer or rollover . 3 Guaranteed first year interest based on your annuity ’ s opening balance . 4
Plus , experience stability and preservation of principal and flexible withdrawal options , 5 including lifetime income . 6
Earnupto
4.75 %
1
Policy Form Series : SPDA 2011 MN , SPDA 2011 FL . Not available in all states . 2 Interest rates reflect a special first year rate for new annuity contracts with the opening balance of $ 25,000 to $ 100,000 +. After the first year , annuities receive the current rate . 3 Neither COF nor its agents provide tax advice 4 Interest rates quoted are guaranteed for one year for premium paid prior to 12-31-2020 . In subsequent years , rates may change quarterly , but will never fall below the 1.00 % guaranteed minimum rate listed in the contract .
5
Withdrawal or surrender may trigger charges or penalties . Withdrawals before age 59½ may be subject to IRS penalties . 6 Subject to payment option selected .
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Opening Balance
$ 25,000 – $ 100,000 + $ 5,000 – $ 24,999
First Year Guaranteed Interest Rate 4
4.75 % 2 1.00 %
Contact COF Agent
Larry Feldt , FIC , LUTCF ®, CSA ®
320-352-7922 lfeldt @ catholicforester . org 1225 Timberlane Dr Ste 6 Sauk Centre , MN 56378
A CATHOLIC FRATERNAL BENEFIT LIFE INSURANCE SOCIETY SINCE 1883 355 Shuman Boulevard , Naperville , IL 60563-1270 800-552-0145 | catholicforester . org | 20-01-030A-2 LF1157-SC ( 10 / 20 ) LIC # 45677
Dairyland Peach , October 18 , 2020 Page 19
Several exercises support stronger hips
Courtesy Metro Creative Connection
Surgery is not an inevitable side effect of aging . In fact , men and women over 50 can employ various preventive techniques to strengthen their bones and joints in the hopes of avoiding the surgical wing of their local hospitals .
According to AARP , more than 370,000 men and women undergo hip replacement surgeries in the United States each year . Some may think such surgeries are a final solution to their hip pain , but that might not be the case , as AARP notes than one in 10 hip replacement recipients will need a second procedure for any number of reasons , including infection or mechanical failure .
A proactive approach that focuses on strengthening and protecting the hips can help aging men and women reduce their risk of one day needing hip replacement surgery . The following are a handful of exercises , courtesy of the AARP , that can help men and women strengthen their hips .
Good morning
Stand with your feet shoulder-width apart and keep your hands at your sides . With your knees slightly bent and your back naturally arched , bend at your hips as if you ’ re bowing out of respect as far as you can go , or until your torso is almost parallel to the floor . Return to the starting position . During the exercise , keep your core braced and don ’ t bow your back .
Hip abduction
Stand with your feet shoulder-width apart . Loop a resistance band around both ankles , and then raise your right leg out to the side as far as you can . Hold in this position for a moment before slowly returning to the starting position . Switch legs and then repeat the exercise on the other side .
Hip adduction
Loop one end of a resistance band low around a solid object , then stand to the left of that object before looping the other end of the band around your right ankle . Place your legs shoulder-width apart , and then pull in your right leg until your ankles touch . Repeat with your left leg , this time moving to the right side of the object .
Glute bridge
Lie on your back with your knees bent and your feet flat on the floor . Raise your hips to form a straight line from your shoulders to your knees , using some type of support if you need to . Clench your butt at the top of the movement , pause , and lower yourself back down .
Men and women unaccustomed to exercise should consult their physicians before performing any of these exercises . In addition , if necessary , perform the exercises under the supervision of a personal trainer who can advise you on proper form and help you reduce your risk of injury .
103 Main Street Cold Spring , MN 56320
320-686-0260
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