chamber newsmay 05, 2015 · pictures and thank you notes! page 9 • april chamber mixer pictures...
TRANSCRIPT
Working to make Mount Joy a great place to do businessChamber News
What’s Inside…Page 2• Events Calendar • Board Members• Local Website Links
Page 3• New Members• New Member Focus: Freshen-Up Cleaning• New Memeber Focus: Pit Stop Car Care Ministry• Chamber Offers Two Scholarships
Page 4• New Member Focus: Thrivent Financial• Accountability is Key• Your Invited: Ribbon Cutting• MJAHS Website
Page 5• Eastern Mobile Wash Cleans Rotary Park• Dog Park Groundbreaking • National Day of Prayer Breakfast• Newsletter Deadlines
Page 6• Milanof-Schock Library News• Health Tip of the Month
Page 7-8• Annual Banquet and Benefit Auction
Pictures and Thank You Notes!
Page 9• April Chamber Mixer Pictures• Mount Joy Poem
Page 10-11• Member Ads
Page 12• Financial Focus
Lots Happening In May at Your Chamber
Mount Joy Pennsylvania
MAY 2015
From thePresident
unioncommunitybank.com717-492-2222
Invested in
2015 Special Level Members
Diamond
Angella M. Drumheller CPA PC
Sapphire• As The Crow Flies• Barb O’Neal
Platinum Plus• American Legion Post 185• The Apartments at Florin Hill• Buch Funeral Home• Eberly Designs• Eden Park Pediatric Associates• The Hetrick Center• J. B. Hostetter & Sons, Inc.• JMJ IT Solutions• Juniper Village at Mount Joy• Leffler Energy• Longwood Manor Personal & Memory Care• Northwest Savings Bank• Susquehanna Bank
Platinum• Ambassador Advisors• Freshen-Up Cleaning• Hildebrandt Learning Centers• HVAC Distributors, Inc.• Jim Roberts West Main Auto• Liberty Tax Service• Messiah Lifeways at Mount Joy
Country Homes• Nolt Electric• PNC Bank• TCW Computer Systems Inc.
Thank you so much to everyone that donated in any way and/or attended the Chamber’s Banquet & Benefit Auction on April 17. It was a fun evening with a record number in attendance! The Chamber supports itself with membership dues, upgraded memberships and the profits from two major fundraisers a year which are the annual Banquet & Benefit Auction and also the annual Chicken Bar-B-Q. Months of preparation goes into both of these events to make sure they are a success. Thank you to our Chamber members who serve
on both of these Teams to make sure that happens.Speaking of the Chicken Bar-B-Q, the 20th Annual Chamber Chicken
Bar-B-Q is scheduled for August 15 and the planning for this event will begin in the next week or two. If you would like to volunteer some of your time to help plan this event, please contact the Chamber office at 653-0773 or [email protected]. We can always use additional Team members!!
We hope to see you at the monthly May luncheon to be held on the 13th at The Gathering Place. Our speaker will be Allison Vollmer with the Lancaster County Solid Waste Management Authority (LCSWMA). What LCSWMA does with all of our trash is really interesting and one you will not want to miss.
Also be sure to come out on May 21 at 5 pm at R & H Music and More LLC as we have a ribbon cutting to help owners Randy & Heather Ruoss celebrate their new business. They are located at 747 W Main Street. Let’s show our support for this new business by attending their ribbon cutting!!
76
Years
Strong
1939-2015
2015 Board President
Dr. Mary ColmanThe Hetrick Center
Vice PresidentPaul GardnerBuch Funeral Home
Past PresidentGeorge Zook, Ed.DAmbassador Advisors
TreasurerAngela Drumheller Angela Drumheller CPA PC
Members at LargeMitch Denlinger JMJ IT Solutions, LLCLinda L. Eberly Eberly Designs Inc.Carl Hackman Union Community Bank Missy Hartman Mid Penn BankFerne Silberman Berkshire Hathaway Homesale Services Group
Monthly Meetings
Meetings are held at 11:45 a.m. the Second Wednesday of the MonthMembers: $10 Non-members: $15 Reservations: 653-0773 or email [email protected] stated otherwise
2 Chamber News | May 2015
Events Calendar Chamber Luncheons
11:45 a.m. • The Gathering PlaceCost | $10 with receipts available Reserve a Spot | Call the Chamber office at 653-0773
May 13 • 11:45 am to 1 pm – Speaker Allison Vollmer with Lancaster County Solid Waste Management Authority (LCSWMA) will be speaking on “From Waste to Resource: A Story of Renewal”. Did you ever wonder what happens to all the items that you take to the Lancaster County Solid Was Management (LCSWMA) and how they turn our trash into energy? This is your opportunity to find out. Be sure to mark your calendars for the May Chamber luncheon. Please RSVP to the Chamber office by May 11.
Ribbon Cutting May 21 • 5 pm – Please join us celebrate with Chamber members Randy & Heather Ruoss for a ribbon cutting at their new business, R & H Music & More LLC, 747 W. Main Street. Please RSVP to the Chamber office if you plan to attend!
SAVE THE DATE August 15 • 10 am-2 pm – Mark your calendars for the 20th Annual Chamber Chicken Bar-B-Q. Now that the Banquet & Benefit Auction is over, it is time to get started on planning our 2nd fundraiser of the year! This being the 20th Annual, let’s make it one to remember! Watch and listen for emails and calls. We will be looking for monetary and product sponsors, which is what helps to make this annual event a very profitable one.
Chamber Mixer June 25 • 5 to 7 pm – Mark your calendars for the June Chamber Mixer to beheld at and hosted by Greg Sallade State Farm Insurance, 919 E. Main Street.Greg is planning on a beach theme so be sure to watch for more information!!
Schedule for the Monthly Luncheons 11:45 a.m. | Lunch and dessert buffet12:10-12:40 p.m. | Updates from Chamber, Milanof-Schock Library, Donegal School District, Mount Joy Borough and Mount Joy Township12:40-1 p.m. | The Featured Speaker Cost | $10 with receipts available Reserve a Spot | Call the Chamber office at 653-0773
Contact UsMount Joy Chamber of CommerceKerry Meyers, Chamber Coordinator
62 E. Main Street, Suite 1
Mount Joy, PA 17552
653-0773 or email
www.mountjoychamber.com
Mount Joy Boroughwww.mountjoypa.org
Mount Joy Townshipwww.mtjoytwp.org
East Donegal Townshipwww.eastdonegaltwp.com
Donegal School Districtwww.donegal.k12.pa.us
Milanof-Schock Library www.mslibrary.org
Mount Joy Rotarywww.mountjoyrotary.org
Mount Joy Lions Clubwww.mountjoylions.net
Norlanco Rheems Kiwaniswww.pakiwanis.org/clubs-and-divisions/club-details/?club_id=118
Main Street Mount Joywww.mainstreetmountjoy.com
Local Gov’t & Service Organization Website Links
What types of services do you offer at Freshen-Up Cleaning? Residential Cleaning - Whether you’re too busy to keep your home neat and tidy or just need someone to lend a helping hand, we offer weekly, bi-weekly or monthly service options to suit your individual needs and schedule. We can also provide one-time house cleaning services.Commercial Cleaning - We specialize in providing cleaning services for small to large size offices. We know how important first impressions can be. You can count on our consistent and reliable services to keep your office appearance fresh and clean, helping you to look your best at all times. We offer daily, weekly, bi-weekly or monthly service options to suit your individual needs and schedule.Carpet Cleaning - Our professional carpet cleaning services can remove unsightly stains and spots from your carpets and furniture. If your carpet or furniture can’t be cleaned we’ll tell you the truth and we won’t charge you a dime! Pet odor treatment is also available, as well as fabric protector.
Do you offer any additional/miscellaneous services? We offer post construction clean up and one time move-in/move-out cleanings.
Is Freshen-Up Cleaning a corporation or independently opened? Freshen-Up Cleaning is an LLC, owned and operated by Jake and Nikki Geesey. We operate under PA Contractor #086100.
Do you offer any type of guarantee or referral program? All of our services are guaranteed. Customer satisfaction is of utmost importance to us. We offer a referral discount. Refer a friend and receive 25% off your cleaning after your friend’s 4th cleaning service.
What is Pitstop Car Care Ministry all about? The Pitstop Car Care Ministry is a non-profit organization of individuals and 2 garages that have come together to serve the Mount Joy area communities. Twice a year in April and October, PCCM sets a Saturday work-day where two garages open their doors to provide a free oil and filter change. They also make a preliminary inspection and make recommendations of what things should be done for safe operation of the car.
This program focuses on families that have financial hardship, single parent families, seniors and families with disabilities. Organizations such as churches, Joni and Friends, Hope Within submit the names of families 6 weeks before the oil and filter change date. Pitstop CCM then contacts the car owners to set up an appointment time and determine what oil and filter will be needed.
Twelve families received this service on Saturday, April 18, 2015. In some cases families with hardships may receive financial assistance for future repairs.
The Mount Joy Chamberof Commerce is offering two $1,000 scholarships to family members of current Chamber members or any Mount Joy area residents.
Applicants must meet the following requirements. College/Post Secondary Students: • Must be enrolled in an accredited college or accredited post secondary school • Must have completed one semester with a GPA of 2.5 or high on a 4.0 scale • Must submit college transcript High School Students: • Must be a senior who is entering an accredited college or post secondary school • Must have a cumulative GPA of 3.0 or higher on a 4.0 scale • Must submit a high school transcript • Must submit copy of SAT/ACT scores
Applications are available on the Chamber website at www.mountjoychamber.com and must be returned no later than May 27. You can call the Chamber office at 653-0773 or email info@mountjoychamber. com.
The purpose of the Mount Joy Chamber Scholarship is to encourage and assist promising future workforce leaders for our community.
Welcome New Chamber MemberThrivent Financial
Adam Swarr, Financial Associate153 E. High StreetElizabethtown, PA [email protected]/fr/adam.swarr
Freshen-Up CleaningNikki Geesey, Partner/Office Manager910 W. Main Street, Mount Joy, PA 17552 • 653-1423 • www.freshenup-cleaning.com
PitStop Car Care Ministry Glenn Musser, Director of MJPCCM5888 River Drive, York, PA 17406 • 717-475-6258 •[email protected]
3 Chamber News | May 2015
Freshen-Up Cleaning
Chamber Offers Two Scholarships
4 Chamber News | May 2015
YOU ARE INVITED!Chamber
Ribbon CuttingR&H Music & More LLC
May 21 @ 5 pm747 W. Main St
Mount JoyPlease RSVP by May 20to the Chamber office
@ 653-0773 [email protected]
Thrivent FinancialAdam Swarr, Financial Associate153 E. High Street • Elizabethtown, PA [email protected] • www.thrivent.com/fr/adam.swarr
ROLE – No matter what your goals, achieving them requires preparation and planning. I can help you assess your current situation and develop a financial strategy that’s customized for you. From strategies to help you grow your assets to preparing for retirement, I’ll help you make informed decisions to stay on track with your goals’.
APPROACH –It is common today to have multiple financial goals and concerns. That’s why we take a broad-based approach to serving our members. It’s important to understand how different factors can affect your financial picture. We’ll help you analyze your current situation. Develop an in-depth financial program. And help you implement an integrated financial strategy. Our team can also assist you by providing a product- or issue-based solution, or we can take a values-based approach to preparing for your financial future.
ABOUT ME – I am married and have 2 children, a 10 year old daughter and an 8 year old son. I am a member of Elizabethtown Brethren In Christ in Elizabethtown, PA. I’m also a member of the Lancaster chapter of Christian Business Men’s Connection. In my spare time I enjoy photography, history and museums, reading, spending time with family, traveling, writing and golfing. I enjoy volunteering with Junior Achievement of Central PA and Rheems Athletic Association.
ABOUT THRIVENT FINANCIAL – Thrivent Financial is a not-for-profit financial services organization that helps Christians be wise with money and live generously. As a membership organization, it offers its nearly 2.4 million member-owners a broad range of products, services and guidance from financial representatives nationwide. For more than a century it has helped members make wise money choices that reflect their values while providing them opportunities to demonstrate their generosity where they live, work and worship.
Accountability is defined as ‘the fact or condition of being accountable; responsibility’. Statistics prove that those who work to achieve their health and fitness goals with a team find more success than those who don’t and are most likely to finish a program and reach their goals.
I want each person to reach their goals so that they can live their healthiest lives and this is why I offer monthly, 30 day Challenge Groups.
FITNESS + NUTRITION + SUPPORT = SUCCESS. Being part of a Challenge Group means that we will have our own, small, private
facebook group for daily accountability and support. With tips and guidance for meal planning, meal prep, nutrition and fitness. Along with some fun challenges (and maybe prizes??)!
For more information or to take part in one of my monthly Challenge Groups, please contact me! I look forward to helping you achieve your health, fitness and/or weight loss goals!
Ashley Zell Fitness • Independent Team Beachbody Coach www.ashleyzell.com • 717-413-6639
Thrivent Financial
Accountability is Key
Mount Joy Area Historical Society Has a Website!
The Mount Joy Area Historical Society is excited to announce that they have a brand new web site: mountjoyhistory.com. Our hope is that Chamber members will visit the web site and use our easy PayPal method to become a member. It’s only $20 and benefits the Mount Joy Area Historical Society!
Our mission is to seek, preserve and make available the history of the Mount Joy area. We hope that you will consider joining the Society today!
Mount Joy Area Historical Society is open on Sunday from 1-4 pm and by appointment. Meetings are held the third Monday of each month at 7 pm (with the exception of December, January and February). They are free and open to the public. Check out our new website for upcoming meetings!
5 Chamber News | May 2015
The Mount Joy National Day of Prayer Breakfast will be held on May 7, from 6:30 to 8 am at The Gathering Place.
Our government has set aside a special National Day of Prayer each year, requesting that the people of this great country take time to pray for God’s wisdom and guidance over America. The date is set for the first Thursday of May each year, falling on May 7, in 2015.
As part of this national celebration, a team from the Mount Joy community has scheduled a Mount Joy National Day Prayer Breakfast that will be held on Saturday, May 7 at The Gathering Place from 6:30 to 8 AM.
Following a delicious breakfast our regional PA Senator, Ryan Aument, will give the welcome, followed by a time of prayer for our government, military, education, families, churches, and media.
Tickets for the breakfast are $5.00 per person and can be purchased from any of the local participating churches or at the service decks of the 3 following Mount Joy locations: J. B. Hostetters, Pies Galore, and Darrenkamps. To call, text or email your ticket order, contact Glenn Musser as follows:
Glenn Musser, Chair for the MJNDP [email protected]
Mount Joy National Day of Prayer Breakfast
Eastern Mobile Wash Cleans Rotary Park
The Norlanco-Rheems Kiwanis and Mount Joy Rotary Club would like to thank Glen Bootay of Eastern Mobile Wash for donating his time and power washing all of the playground equipment, bleachers and benches at Rotary Park! What a fabulous donation, which saved volunteers hauling buckets and containers of water and many hours of scrubbing this equipment by hand!! Thanks to our Kiwanis Club Members for helping to arrange the cleaning!
Dog Park Mount Joy held their groundbreaking ceremony on Saturday, April 25.
Groundbreaking Held for Dog Park
June May 20July June 19August Julty 17September August 19
Do you take advantage of your Chamber newsletter?
Be sure to email us with your promotions, anniversary, sales, awards, etc.
THIS is a member benefit!
Chamber Newsletter Deadlines
6 Chamber News | May 2015
Milanof-Schock Library Events
This year’s Summer Reading theme is “Every Hero has a Story”, and the kickoff event is Saturday, May 30 from 9-1. Drop in to sign up for special and weekly programs, pick up reading packets, and have fun with family activities! The summer is packed with character visits, movie nights, bugs & reptiles, Teen CPR and Self-Defense – lots of great stuff for all ages!
The 9th Annual Bike Rodeo and Community Safety Days will be held on Saturday, June 13 starting at 11 a.m. This year’s event, cosponsored by the Norlanco Rheems Kiwanis Club, will take place at a new location - the Donegal High School – which means more room for more activities! Registration for the Bike Rodeo begins May 30.
Friends Annual Book Sale!This year’s Book Sale will be held at the Donegal High
School!• Monday June 15 from 6 - 8 p.m. ($10 entry fee)• Tuesday, June 16 from 8 a.m. - 8 p.m. (no entry fee)• Wednesday, June 17 from 8 a.m. - 2 p.m. (no entry
fee; $5/bag all day)Hot dogs, BBQ, drinks & desserts will be available for
purchase.
from Norma Millard, RN,Certified Health Coach
MOVE IT! Some surprising facts:• Two hundred fifty thousand deaths each year are due to
physical inactivity. • Sixty percent of adults are sedentary, with no improvement in
activity levels over the last 20 years. • The average adult spends 10 to 15 hours each day immobile. • Documented health benefits of exercise include prevention
of heart disease, cancer, diabetes, obesity, osteoporosis, hypertension, improved mental health, energy levels and more.
• Johns Hopkins Over 50 Newsletter called exercise the single most important anti-aging measure anyone can follow.
• Aging for many people is associated with a decline in strength, flexibility, cardiovascular fitness, bone density, and mental function. Most of this physiologic decline stems from inactivity and is not a natural consequence of aging.
• Recent research supports that it’s never too late to start exercising and that even small increases can have great benefits.
• Research shows if you can exercise regularly for six months, you have made a change that can last a lifetime.
• Combine all types of exercise for the maximum anti-aging effect:
• Cardiovascular: At least 30 minutes on most days. If you already are doing 30 minutes daily, consider increasing the frequency or duration of your workout.
• Strength Training: Two to three per week. • Flexibility: At least four times per week. Stretching is easy to
do at home even while watching TV. Many people neglect stretching exercises, but it’s an integral part of the exercise prescription for healthy aging. If performed properly, stretching helps with movement, prevents injuries and is beneficial for the aches and pains that many people associate with aging.
• Mind/Body: Research shows that mind/body exercise, such as yoga, Tai Chi and Pilates is helpful for emotional and physical health.
Stay motivated!• Get an exercise partner• Do exercise you enjoy, vary your routine and add music• Schedule your exercise• Set goals and reward yourself for achieving them• Identify your barriers to exercise• Consider hiring an exercise professional, such as a personal
trainerRemember: Start gradually. If you have health problems or a strong family history of heart disease, consult your doctor before starting an exercise program.
For help with the mindset for [email protected] • 717.314.4348
Health Tip of the Month
The team gets ready...
...for a fabulous evening of food & fun!
2015 Chamber Banquet & Benefit Auction
ClueMISS SCARLET
did it with the
REVOLVER
in the
LOUNGE
Did you find the
solution?
What an AWESOME evening at the Chamber’s Annual Benefit Banquet & Auction on Friday, April 17 at The Gathering Place. We want to say “Thank You” to the many people and businesses
that were involved and helped to make the evening a success!
ThAnk YOu TO Our AMAzinG SPOnSOrSMajor Sponsor - Union Community BankMonetary Sponsor - Engle Printing & Publishing, Longwood Manor, Spooky Nook Sports, Scott E. Albert , JMJ IT Solutions, Lancaster General Health, Northwest
Savings, Dottie Metzler, American Legion Post 185, Berkshire Hathaway– Rick Hallgren & Ferne Silberman, Bartons Body Shop, Buch Funeral Home, Darrenkamp’s Market Mount Joy, Donegal Animal Hospital, Ebersole Brothers Construction, Inc., Eden Park Pediatrics, Charles E. Groff, Hondru Chrysler, Hondru Chevrolet, HVAC Distributors, Messiah Lifeways at Mount Joy Country Homes, Greg Sallade State Farm Insurance, West Main Auto, Clair & Mary Ginder, Kassab & Johnson, Norma Millard, Take Shape for Life, Sheetz Funeral Home, Springleaf Financial Services
Services and Products - UPS Mount Joy, Eberly Designs, Carper Signs, Floral Designs of Mount Joy, David Christian Architect LLC, Snap Fitness, Dottie Metzler, Dr. Ed Bartakovits, Eugene Barton, The Gathering Place, Pheonix Packaging, Inc.
Thank you to everyone who donated items and or services for the Annual Benefit Banquet & Auction - the list is way too long to print but know that we appreciate every- one of you!! Without the sponsors and donors this annual event would not be possible!
Thank you to our auctioneer Jeff Heisey and his wife Kristen. Also thank you to the 123 of you who attended this years’ banquet & auction. This was a record number for attendance! Thank you to everyone for bidding up and purchasing all of the great items that were donated.
Thank you to the restaurants/stores/individuals for donating the delicious appetizers: The Country Store, The Gathering Place, Harvey’s BBQ, Mick’s All American Pub, Mosby’s, Simp-lee Seafood and Tena Hoffer
Thank you to our Banquet & Auction Team who had their first meeting way back in November and put many hours of planning into this event!! Jodi St. Pierre, Banquet & Auction Team Chair; Krista Angney; Julie Darrenkamp; Leslie Houck; Linda Eberly; Joanne Pinkerton; Jan Johnson; Norma Millard; Leonard Nolt. Also thank you to our additional volunteers: Our butler Ed Bartakovits, Debbie Dupler, Ashley Zell, Donna Nolt, Denise Snyder, Alicia Erdman, Carl Hackman, LeeAnn Stoner, Mary Colman, Missy Hartman, Anthony Chille and Michele Emenheiser.
Thank you to The Gathering Place for the amazing food and for helping to make their facility look like a “Clue” game board!
Congratulations to the 2015/2016 Chamber Directory cover winners: union Community Bank and Engle Printing & Publishing.
Everyone had a great time, the food was delicious, decorations fun, attendance the highest ever and there were many silent and live auction items to bid on!
THANK YOU TO EVERYONE INVOLVED!~ Banquet & Benefit Auction Team Chair Jodi St. Pierre, Team Members Norma Millard, Jan Johnson, Linda Eberly,
Julie Darrenkamp, Krista Angney, Leonard Nolt, Joanne Pinkerton, Leslie Houck and Kerry Meyers, Chamber Coordinator
Northwest Savings Bank Mixer Thank you to Dave Henry and Northwest Savings for a terrific
Chamber Mixer on March 31. It is ALWAYS a terrific time!!Since there is no mixer scheduled for May, we hope you can all
come out to the ribbon Cutting for R&H Music & More (see page 4 for more information).
Mount JoyBy Chamber member John Meyers
I grew up in Mount Joy, lived here all my life,Two blocks away from my future wife.
Still a small town but bigger than before,We have a McDonald’s and Burger King nowBut Twin Kiss and Tastee Freeze are no more.
The town back then was split in two names,Mount Joy and Florin are now one in the same.
I grew up in a house that bordered the “Ditch”,We lost a few balls after a bad pitch.
Three bridges over the tracks were since torn down,I would cross over one, going to Kline’s, Murphy’s and the other side of town.
The “Churchyard” and “Tank” were places we would play,Morning and afternoon we would play baseball every day.
Seiler and Grandview were names of schools where we did learn,We all walked to school back then, there was really no concern.
Mount Joy High School, then Beahm Jr. High by name,They called it the “Annex”. It’s no longer there, what a shame.
The old firehouse, two train stations were also torn down,I wish those old buildings were still around.
The “Cove” was a place where across the water you could drive,The water was not deep, no place to dive.
Kunkle Field was the best baseball field around,Beyond the fence an “airplane” and “Bandstand” were found.
We would swim at the “pool” all afternoonWe would stay in the water until our skin would prune.
It was a small town when I was a boy,It’s a little bigger now, but I still like Mount Joy.
Explore Lancaster County ’s“Favorite Private School”!
LANCASTER MENNONITE SCHOOL
Offering licensed, accredited full-day PreK to get your child off to the best start in school!
Kraybill Campus (PreK-8)598 Kraybill Church Road, Mount Joy • 653-5236 • www.lancastermennonite.org
I’ll make sure your auto coverage is the best fit, then show you all the State Farm® discounts you could be getting.Like a good neighbor,
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Planning a graduation party? Relax and let GIANT do the work. Visit the
Mount Joy GIANT today to get information on Great Entertaining platters. From sandwiches and wraps to cheese and brownies, GIANT has
everything you need for your celebration. And don’t forget the cake!
3rd ANNUAL DON WARFEL MEMORIAL GOLF OUTING
This event was established to honor the memory and celebrate the life of our friend Don!
WHEN: May 16, 2015 Registration starts at 12:30 Shotgun start at 2:00 p.m.
WHERE: Highlands of Donegal Golf Course 650 Pinkerton Road, Mount Joy Pa 17552
FORMAT: 4 - Person Scramble
PRICE: $75 per person INCLUDES: Golf, Cart, and Dinner
SPONSORSHIPS $50 Hole Sponsor $100 Contest Hole Sponsor $250 Event Sponsor $500 Major Sponsor
For more information contact: John Meyers @ [email protected] cell 717-413-9002
or Eggie Ohrel @ [email protected] cell 717-669-5628
Net proceeds to benefit the American Parkinson Disease Association.
American Parkinson Disease Association is a 501 (c) (3) non-profit organization established to Ease the Burden – Find the Cure for Parkinson’s disease; contributions are tax-deductible to the fullest extent allowed by law.
Tax ID: 13-1962771
Do you want to thrive, not just survive? Do you need encouragement and accountability? Our comprehensive program is for anyone wanting long-term health transformation.
Take the first step – call me to see if this is for you. I’ve been where you are and I’ll be there to support you all the way.
Norma Millard MS, RNCertified Health CoachMount Joy, PA
717-314-4348normamillard.ichooseoptimalhealth.com
Certified Health Coach
Results will vary. Typical weight loss is 2-5 lbs per week for the first two weeks and 1-2 lbs per week thereafter.
This information was provided for Chamber News byNathaniel MillerEdward Jones410 B West Main Street Mount Joy, PA 17552 (717) 653-1874 www.edwardjones.com
$Mother’s Day is almost here. This occasion may
have special significance for you if you’ve been fortunate enough to have your mother around for your adult life. So naturally, you’ll want to bring Mom some flowers or another gift. But if she’s planning to retire soon, you may want to think about a longer-term way to improve her life — namely, by initiating a conversation about her retirement income strategy.
Of course, she may already have matters well in hand. But a great many people on the verge of retirement have not planned for those years, so you may be able to provide some valuable suggestions. Here are a few ideas:
• Boost contributions to retirement plans. If Mom is still working, urge her to contribute as much as she can afford to her IRA and her employer-sponsored retirement plan, such as a 401(k). The chances are pretty good that she will be spending many years in retirement — in fact, the average life expectancy for a 65-year-old woman is 20.5 more years, according to the Centers for Disease Control and Prevention. So she’ll want to accumulate as much as possible before she bids “adieu” to the working world.
• Discuss appropriate withdrawal rates. Encourage your mother to meet with a financial professional to determine an appropriate rate of withdrawal from her investments. To help ensure that she doesn’t outlive her resources, she needs to avoid taking out too much during her early years of retirement.
• Take care of legal arrangements. If you haven’t already done so, ask your mother if she has drawn up the important legal documents related to her estate plans. Does she have a will? Has she created a durable power of attorney, which allows her to name someone to make financial and health care decisions on her behalf if she becomes incapacitated? As you know, this is a sensitive topic, so you’ll want to approach it with care.
• Evaluate Social Security options. Your mother is probably well aware that she can start taking Social Security as early as age 62, but will get much bigger
monthly payments if she waits until her full retirement age, which will likely be 66 or 67. But she may not know that she might be able to benefit from a Social Security “spousal strategy” that could result in her receiving more income than she could get by just taking her own benefits.
For example, if her spouse is the higher wage earner and can afford to delay taking benefits, your mother could eventually receive higher survivor benefits. Or, your mother and her spouse could employ a “file and suspend” strategy. Under this strategy, her spouse, upon reaching full retirement age, files for retirement benefits and then immediately requests to have those benefits suspended. As a result, your mother can file for spousal benefits, which would be larger than what she would receive at her full retirement age. To make sure they are making any Social Security-related moves correctly, though, your mother and her spouse will want to consult with a tax advisor who is thoroughly familiar with Social Security rules.
You want your mother to enjoy a long, happy and active retirement. So, talk to her about the moves she can make to help turn that aspiration into reality.
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Edward Jones, its employees and financial advisors are not tax advisors and cannot give tax advice. Please consult your qualified tax professional regarding your situation.
Financial FOCUS
Help Mom With Her Retirement Income Strategy
12 Chamber News | May 2015