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Show Page 9 The Garfield County Insider May 21, 2009 USDA SEEKS APPLICATIONS FOR HOUSEHOLD WATER WELL GRANTS Program Provides Access to Clean, Safe Drinking Water Agriculture Secretary where a centralized water Loans may not be provided Tom Vilsack recently an- system is feasible, it is es- for home sewer or septic nounced the availability sential that their wells are system projects. of funding for applications safe and working properly,” The grants to be awarded from non-profit organiza- said Vilsack. under this notice are part tions for funds to help rural The Household Water of USDA Rural Develophomeowners construct or Well Grant program com- ment’s annual budget and upgrade household water plements President Obama’s are not funded through the well systems. environmental initiatives American Recovery and The funding is provided and provides support for ru- Reinvestment Act of 2009. through USDA Rural De- ral residents. This Notice follows the velopment’s Household USDA Rural Develop- November 20, 2008, release Water Well System grant ment plans to award up to of a Notice of Solicitation program. USDA plans to $993,000 in grants. Non- of Applications that opened award up to four grants to profit groups must con- the application filing winnon-profit groups that will tribute at least 10 percent dow. Applications are due use the funds to establish of the grant request. Indi- by the close of business loan program for homeown- viduals are not eligible for May 31. The application ers. Loans may not exceed grants but may be eligible guide for this grant pro$11,000 and will carry a for loans if their annual gram can be found at http:// term up to 20 years at a one household income does not www.usda.gov/rus/water/ percent annual interest rate. exceed 100 percent of their HWWSP.htm. Also see “Because many rural res- state or territory’s median the April 29, 2009, Federal idents do not live in areas non-metropolitan income. Register, page 19503. USDA Rural Development’s mission is to increase economic opportunity and improve the quality of life for rural residents. Rural Development fosters growth in homeownership, finances business development and supports the creation of critical community and technology infrastructure. Further information on rural programs is available at a local USDA Rural Development office 435586-7274 opt. 6 or by visiting USDA Rural Development’s web site at http:// www.rurdev.usda.gov/ut Smart Financial Moves for “Empty Nesters” Article Provided by Brandon Henrie, Financial Advisor for Edward Jones Investments. 200 North 400 East • Panguitch, Utah • 676-8811 www.garfieldmemorial.org Family Practice Dr. Richard Birch Dr. Todd Mooney Becky Roberts, FNP Tim Dennis, PA-C Dr. Mitchell Miller Speech Therapy Flora Howard Anesthesiology Lewis Barney, CRNA Certified Nurse Midwife DeAnn Brown, CNM VISITING SPECIALISTS FOR MAY 2009 Dr. Randy Delcore Dr. Robert Nakken Dr. Robert Pearson Dr. Robert Pearson Dr. Mark Hansen Dr. Mark Hansen Dr. Brad Webb Dr. Brad Webb Dr. Eric Maxwell 14 Orthopedist . ................................676-8842 12 Ear, Nose, Throat.........................676-8842 21 General Surgeon..........................676-8842 4, 18 Podiatrist.............................. (800)260-3668 6, 20 Audiologist....................................676-8842 Dr. Dr.Ronald RonaldLappe’ Crouch 3 Urologist.......................................676-8842 Dr.Eric Robert Nakken Dr. Maxwell 28 Orthopedist...................................676-8842 Dr. Ronald Crouch Dr. Randy Delcore Our Pharmacist, Tim Smith, will provide Coumadin testing and results at outlying clinics. Please call clinic for available dates and times. Coumadin testing and results at the Garfield Memorial Clinic will be by appointment. Mammography will be available in Panguitch on May 13th and inEnterprise on May 19th & 20th, and in Wayne County on May 27th. To schedule an appointment with Mammography please call 435-676-1267. Clinics - Call For Appointments Garfield Memorial Clinic, Panguitch ............................................... 435-676-8842 (Mon - Fri) Kazan Clinic, Escalante . .....................................................435-826-4374 (Mon., Wed., Fri.) Bryce Valley Clinic, Cannonville ............................................ 435-679-8545 (Tues. & Thurs.) Circleville Clinic, Circleville .................................................... 435-577-2958 (Tues. & Thurs.) Physical and Speech Therapy . ........................................................................435-676-8840 Mammography .................................................................................................435-676-1267 Diabetic Counseling(Jan Frandsen) ................................................................. 435-676-8811 Garfield Memorial Hospital Long Term Care Center ........................................435-676-1265 It’s graduation time at colleges across the country. If you have children graduating from college, you’re probably excited about the opportunities that lie ahead for them. But once your last child leaves home, and you become an “empty nester,” you also may find some good opportunities for yourself — opportunities to improve your financial situation. In fact, your empty nester status may help you make progress toward what are likely some key financial goals at this stage of your life: Getting rid of debt and accelerating your savings for retirement. What steps should you consider? For starters, you could downsize your home by moving into a smaller, less expensive one. If you make a profit on the sale of your home, you could use it to invest for retirement and clear up debts. Of course, you may be emotionally attached to your home and neighborhood, but downsizing may be a good financial option to consider at some point. Here are a few other suggestions for taking advantage of your empty nest: “Max out” on your retirement plans. If you now have money no longer needed for your children’s college education, use these funds to help save for retirement. Try to fully fund your traditional or Roth IRA, and put as much as you can possibly afford into your 401(k) or other employer-sponsored retirement plan. If you still have money available after “maxing out” on these accounts, look for other retirement savings vehicles. Increase your investments for other goals. Up until now, part of your investment strategy — perhaps a large part — was aimed at building enough resources to help your children pay for college. Since that need has now been met, you may be free to boost your investment toward other goals, such as travel, a vacation home, charitable giving, funding for a small business you hope to operate after you retire — the list could go on and on. And since you are probably entering your peak earning years, you may be able to add substantially to the investments designed to help you achieve these various objectives. Reduce your credit card debt. If you have more disposable income available now, try to pay off your high-rate credit cards. By freeing up this money, you can save and invest more. Evaluate your insurance needs. When you purchased your life insurance, you may have factored in enough coverage to pay off your mortgage, send your kids to college and provide some retirement funds for your spouse. But if your kids are through school, your mortgage is nearly paid off and your spouse has accumulated some money in an employer-sponsored retirement plan, you may not need the same amount of life and disability coverage. Any money you can save on insurance can be used to help fund your IRA, 401(k) or other investments. As an empty nester, you will miss your children, but you’ll also find that you have greater freedom to pursue your hobbies or other interests. And by taking the steps described above, you can help yourself move closer to reaching your financial objectives as well. |