the BEACON Newspaper, Indiana nov 2018 | Page 14

Page 2B THE BEACON November 2018

BRIGHT / SUGAR RIDGE

By Debby Stutz

Community Correspondent

bright @ goBEACONnews . com

O ur

All summer we have looked to the summer leaves as a respite from the blazing sun . Perhaps by the time you read this article , we will be admiring the autumn colors of those same leaves . According to experts from the Smoky Mountain Fall Foliage Map , Indiana will be at peak color around Oct . 29 . So many beautiful drives can be made in this area while the leaves are at peak color . Last year I shared some of my favorite autumn scenic drives . If you have a favorite scenic drive , please share it with me . Let us consider the other side of the beautiful Autumn foliage . While the summer foliage gave us shady relief , it is now giving us Autumn grief . For those of you who have leaves to rake , I sympathize . I am thrilled that 2018 is the first year that I will not have oodles of leaves to rake . Since all our Ash trees are dead and cut out of the yard , raking is one thing I can cross off my to-do list . Bright Lions Club will take part in Trunk or Treat at North Dearborn Elementary on Oct . 19 at 6:00 pm . This free event is open to anyone who would like to participate . Last year almost four hundred fifty little beggars went traipsing through the parking lot in full costume . I understand that adults get into the Halloween spirit and pass out candy in costume as well . Sounds like fun for the entire family ! Trick or Treat in Bright will be Wednesday , Oct . 31 , from 6 to 8 pm . Please be careful of the little ones as they are pumped up with sugar and feeling like the Super Heroes they are

Sold in bulk by the 1 / 4 while supply lasts

Accepting orders for December 2018 and June 2019 Call : 812-487-2322

Communities

costumed after . Bright Fire Chief Jason Eckhoff has resigned his position to pursue other interests . I would like to personally thank Jason for his many years of service to the Bright area . His professional demeanor and expertise in his field were enlightening and beneficial to the community .

HIDDEN VALLEY LAKE

By Korry Johnson

Community Correspondent

hvl @ goBEACONnews . com

Happy October everyone ! What an exciting part of the year ! Have you started your Christmas shopping yet ? It ’ s never too early to start . Well , let ’ s make sure we have our Halloween costumes and treats bought first because it ’ s in two-and-a-half weeks ! Don ’ t forget the Haunted Hayride is Oct . 13 . One of the biggest events in the valley !! The Kids Halloween Walk is at 2 P . M . on Oct . 20-21 . The next card night is November 17 . Another exciting event is Casino Night at the Hidden Valley Golf Club on Nov . 30 . They will have professional dealers and a

pit boss . More details to be posted .

Let ’ s give a HUGE “ THANK YOU ” to ALL of the incredible volunteers we have in our amazing community !!!!

November Birthdays ! Cari Heinrich , Celeste Calvitto , Melissa Lahey , Nathan Embleton , Tatum Johnson , Eric Johnson , Elle Jankovsky , Vicki Shroyer , Cade Johnson , Amanda Bagby , Trevor Fricke , Dan Fricke , Tammy Koontz , Greg Johnson , Gary Miller .

ST . LEON

By Debbie A . Zimmer

Community Correspondent

stleon @ goBEACONnews . com

St . Joseph American Legion Post 464 , St . Leon , will be hosting the Hoxworth Blood Drive on Nov . 6 from 1:30 – 7:30 P . M .

Congratulations go out to McKenzie and Eric Callahan on the recent birth of their daughter , Rylee Lynn . Proud grandparents are Kim and Jerry Callahan and great-grandma , Anna Mae Callahan .

November Birthdays – Nov . 1 Ed Gutzwiller , Sandy Stenger , Lydia Trabel and Jake Hoog , Nov . 2 Leon Werner , Nov . 3 my niece Roxanne Haag , Nov . 4 Barb Schmeltzer , Nov . 5 Nate Werner , Nov . 6 JJ Stenger and Jessica Stenger , Nov . 7 Lauren Deddens , Nov . 8 Sarah Alig , Donna Davidson and Luke Spade , Nov . 10 Don Cull , Paul Horstman , Nick Weigel , Doty Bischoff and Rebecca Baker , Nov . 11 Gina Hoffman and Christie Bauman , Nov . 13 Shelly Fischer , Nov . 14 cousin Missy Andres and Duane Werner , Nov . 15 Rod Rudisell , Don Schuman , and Karen Schuman , Nov . 16 Bernie Schlarmann and Arleen Wuestefeld , Nov . 17 Amy Kurelic and Nicki Hart , Nov . 18 my niece

New Residents : Melissa Murphy , Randell and Donna Pennington , Timothy Essen , Mark Vanmeter , Judith Long , Luke and Ashley Dermody , Dinah Colvin and Carla Barrett , Thomas and Gina Armbruster , Andrew and Elizabeth Thoman , Steven Case and Carrie Maltry .

Please email me , Korry H . Johnson , if you have something to share in next month ’ s article at hvl @ goBEACONnews . com . Share your news at The Beacon !

Five generations of the Zimmer family gathered for a family portrait . Front row- Caitlin Biddle holding son Noah Christopher Jossart and Kathryn Zimmer . Back row Deanna Zimmer Biddle , Terry Zimmer . Five generations- awesome !!!

Megan Fox , Nov . 19 Nate Dole and Steve Eisele , Nov . 20 Reagan Whitehead and Margie Zapf , Nov . 21 Jeremy Lobenstein , Trisha Perry , and Marlene Vogelsang , Nov . 22 Andy Schwegman , Connie Wilhelm , Pat Stenger , Tracy Stenger , and cousin Ella Rose Schneider , Nov . 23 Chris Hall , Nov . 24 Don Stenger and nephew Patrick Andres , Nov . 26 Wilfred Bischoff , cousin Mike DiMeglio , Nov . 27 Tony Bischoff , Nov . 29 Scott Ruwe and Bonnie Lobenstein , Nov . 30 Tony Wilson .

Happy 50th Anniversary to my hubby “ Ron ” on Nov . 30 .

Get in touch with me with any news items for the column at stleon @ goBEACONnews . com

Common Financial Mistakes

A Five-Part Series on Common Financial Mistakes Made by Pre-Retirees & Retirees

PART FOUR : HEALTHCARE

Healthcare can be quite a maze for those close to or in retirement . This is especially true given the recent changes and increase in costs in healthcare plans . Having a plan on how to tackle healthcare costs throughout retirement is essential . A comprehensive healthcare plan will take into consideration your current healthcare needs and expenses along with careful consideration of the future . This plan should factor in inflation and any future anticipated or unanticipated healthcare needs including end-of-life care .

Common Mistake # 4 : Absence of a Comprehensive Healthcare Plan

When you visit a doctor for the first time , one of the very first questions they normally ask is your family health history . While it may not be the most comforting conversation to have , it is important to discuss with your doctor and take into consideration things like a family history of cancer , heart disease , dementia , and so on . Our genetics play a major role in the aging process and will provide vital information needed in developing a personalized healthcare plan .

Upon age 65 , the majority of Americans are eligible to sign up for Medicare . It ’ s important to note that if you want to change your Medicare Supplement coverage , you may

“ In my opinion , comprehensive financial planning , including healthcare planning , is a major contributor to success in retirement .”

— Roger Ford

have to go through the medical underwriting process . There is no guarantee that you will be approved for the coverage you were hoping to switch to . This is why it is so important to plan ahead ! If you select a Medicare supplement plan at age 65 which has better benefits , but a higher premium , this may result in future savings if an unexpected healthcare event happens in the future .

Lastly , when it comes to healthcare planning , there is the issue of long-term care . It amazes me how many people think they don ’ t need to plan for long-term care . For those individuals over the age of 65 , 72 % of them will need long-term care during their lifetime ranging from 24-hour care in a facility or in-home care for a limited number of hours each week . Today , the average cost of nursing home care is $ 225 a day for a semi-private room . That is over $ 82,000 a year 1 . Not having a plan in place for longterm care could result in your entire life savings being erased and possibly leaving a surviving spouse financially strapped .

It ’ s become a cliché , but not having a plan is truly having a plan to fail . It is important to work with a financial professional who has the resources to help you navigate through decisions on a healthcare plan based on the financial impact a plan might have on your retirement dreams . In my opinion , comprehensive financial planning , including healthcare planning , is a major contributor to success in retirement .

1 https :// longtermcare . acl . gov / costs-how-to-pay / costs-of-care . html

Conservative Financial Solutions | Roger L . Ford 10403 Harrison Ave . | Harrison , OH 45030 513.367.1113 | ConservativeFinancialSolutions . com

Securities offered through Madison Avenue Securities , LLC ( MAS ), member of FINRA & SIPC . Investment advisory services offered only by duly registered individuals through AE Wealth Management , LLC ( AEWM ), a Registered Investment Advisor . MAS and Conservative Financial Solutions are not affiliated companies . AEWM and Conservative Financial Solutions are not affiliated companies . Investing involves risk , including the potential loss of principal . Neither the firm nor its agents or representatives may give tax or legal advice . Individuals should consult with a qualified professional for guidance before making any purchasing decisions . 593166

IF YOU LIKE THE BEACON … PLEASE SUPPORT OUR ADVERTISERS , AND TELL THEM YOU SAW THEIR ADS IN THE BEACON . THANK YOU !