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Lincoln City: Traffic crash on 101 at SW 32nd

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Oct 182017

Report of a traffic crash and So. 101 and SW 32nd. North Lincoln Fire-Rescue enroute.

At least one vehicle is still in the roadway. Lots of fluids on the roadway but no human injuries. Southbound lane is blocked.

High Surf Advisory issued…

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Oct 182017

A High Surf Advisory has been issued by the National Weather Service for the Central Coast, which is in effect from 1:00pm Thursday to 10:00am Friday. Offshore wave heights will be 19-22 feet from Thursday afternoon through Friday morning. Wave run-up will be much higher than normal and could unexpectedly sweep you off your feet and into the turbulent and frigid waters. Avoid walking on jetties, rocks, coastal cliffs and along the water’s edge. A High Surf Advisory means that high surf will affect beaches in the advisory area, producing rip currents and localized beach erosion.

Pleasure boat listing and dead in the water off Alsea Bay Bridge – Rescue being launched – Boat is upstream from the bridge

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Oct 182017

Report of a 20 foot white pleasure boat that has lost power and is listing heavy on its left side about 300 yards UPstream from the Alsea Bay Bridge. Three or four people aboard. Unknown if they have lifejackets.

Low tide was at 12:35pm so the boat may have run aground on a sand bar.

Rescue boat from Central Coast Fire and jet skis from Seal Rock Ocean Water Rescue are with the boat.

The boat is okay. Rescuers are checking the jetties at the mouth of the river just to be sure.

Rescuers say they see nothing on the water.

For Women, a Pay Gap Could Lead to a Retirement Gap…

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Oct 182017

Click here for Details

Duane J. Silbernagel
Financial Advisor
Waddell & Reed

For Women, a Pay Gap Could Lead to a Retirement Gap
Provided By: Duane J. Silbernagel CFP®

Women in the workforce generally earn less than men. While the gender pay gap is narrowing, it is still significant. The difference in wages, coupled with other factors, can lead to a shortfall in retirement savings for women.

Statistically speaking

Generally, women work fewer years and contribute less toward their retirement than men, resulting in lower lifetime savings. According to the U.S. Department of Labor:
• 56.7% of women work at gainful employment, which accounts for 46.8% of the labor force
• The median annual earnings for women is $39,621 — 21.4% less than the median annual earnings for men
• Women are more likely to work in part-time jobs that don’t qualify for a retirement plan
• Of the 63 million working women between the ages of 21 and 64, just 44% participate in a retirement plan
• Working women are more likely than men to interrupt their careers to take care of family members
• On average, a woman retiring at age 65 can expect to live another 20 years, two years longer than a man of the same age

All else being equal, these factors mean women are more likely than men to face a retirement income shortfall. If you do find yourself facing a potential shortfall, here are some options to consider.

Plan now

Estimate how much income you’ll need. Find out how much you can expect to receive from Social Security, pension plans, and other available sources. Then set a retirement savings goal and keep track of your progress.

Save, save, save!

Save as much as you can. Take full advantage of IRAs and employer-sponsored retirement plans such as 401(k)s. Any investment earnings in these plans accumulate tax deferred — or tax-free, in the case of Roth accounts. Once you reach age 50, utilize special “catch-up” rules that let you make contributions over and above the normal limits (you can contribute an extra $1,000 to IRAs, and an extra $6,000 to 401(k) plans in 2017). If your employer matches your contributions, try to contribute at least as much as necessary to get the full company match — it’s free money. Distributions from traditional IRAs and most employer-sponsored retirement plans are taxed as ordinary income. Withdrawals prior to age 59½ may be subject to a 10% federal income tax penalty.

Delay retirement

One way of dealing with a projected income shortfall is to stay in the workforce longer than you had planned. By doing so, you can continue supporting yourself with a salary rather than dipping into your retirement savings. And if you delay taking Social Security benefits, your monthly payment will increase.

Think about investing more aggressively

It’s not uncommon for women to invest more conservatively than men. You may want to revisit your investment choices, particularly if you’re still at least 10 to 15 years from retirement. Consider whether it makes sense to be slightly more aggressive. If you’re willing to accept more risk, you may be able to increase your potential return. However, there are no guarantees; as you take on more risk, your potential for loss (including the risk of loss of principal) grows as well.

Consider these common factors that can affect retirement income

When planning for your retirement, consider investment risk, inflation, taxes, and health-related expenses — factors that can affect your income and savings. While many of these same issues can affect your income during your working years, you may not notice their influence because you’re not depending on your savings as a major source of income. However, these common factors can greatly affect your retirement income, so it’s important to plan for them.

I hope you found this beneficial and informational. For more information about me and my services, visit my website:

Thank you for your interest.

Duane Silbernagel is a Financial Advisor in Lincoln City, Oregon offering securities through Waddell & Reed, Inc., Member FINRA and SIPC. He can be reached at (541) 614-1322 or via email at 
This article is meant to be general in nature and should not be construed as investment or financial advice related to your personal situation. The article was written by an independent third party, Broadridge Investor Communication Solutions, Inc. (Copyright 2017) and is provided for informational and educational purposes only. Waddell& Reed is not affiliated with website and is not responsible for any other content posted to this website.  (10/17)

FOLCAS 2018 Calendars are going on sale!

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Oct 182017

Coming up October 23rd, at the Pick of the Litter thrift store, and by Halloween at many other animal-friendly outlets countywide (click here) for a complete list or to order online).

Our 2018 cover boy is COSMO CHANDLER:

See the judges’ selections for Pets of the Month and runners-up by clicking here.

As always, every photo submitted is included in the calendar—more than 100 beautiful and beloved Lincoln County pets for your enjoyment throughout the year! We bet you’ll recognize many of them.

Pick up some extra copies—the annual FOLCAS calendar will delight every animal lover on your gift list as it helps spread the word about our programs to help local companion animals lead better lives. Still just $10, all of which goes to our Max Fund for vet care assistance.

Traffic Crash on SE 51st Lincoln City

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Oct 182017

Traffic crash on southeast 51st in Lincoln City. Heads-up for emergency vehicles.

Ford F-250 is leaking fluids.

There are injuries. Ambulance now on scene.