The 2016 election campaign is bringing media attention to health care reform, including scare tactics about the cost and viability of comprehensive universal health care.
Contrary to claims that comprehensive quality health care for everyone in the country would “break the bank,” such existing systems in Canada and Scotland spend about 40% less for universal health care coverage than we spend for our system, with better outcomes. And the Affordable Care Act currently leaves about 33 million people uninsured and many more under-insured.
Surprisingly,the cost of health care coverage for all those uninsured Americans would not raise taxes as much as the media claims. As it turns out, taxpayers already pay two-thirds of the health care dollar in the US. In addition to Medicare and Medicaid. the VA and the Centers for Disease Control and Prevention, American taxpayers, including the uninsured, pick up the tab for the benefit costs of state and federal public employees like teachers, FBI agents, firefighters and members of Congress. We also pay for the tax subsidy granted by the ACA to private health insurance, about $326 billion a year, expected to increase to $538.9 billion by 2024.
An expanded Medicare for All system in the US would result in massive savings in administrative costs. Canada and Scotland, with universal health care, pay about 16.7 cents of the health care dollar for billing and administration, while we pay about 31 cents here. We could save $400 billion annually on paperwork alone, enough to cover all of the uninsured and eliminate co-payments and deductibles for the rest of us..Without those savings, there is no way to pay for expanded coverage.
We already pay for universal health care. We just aren’t getting it. We need to counter the misinformation the media is spreading with the facts. Voters will support new taxes if they know the money will be well spent to bring health care justice to the USA at last.
The start of Autumn means the start of influenza season, and public health officials say now is the best time—when the number of flu cases in Oregon is still low—to get vaccinated.
While it’s difficult to forecast exactly how bad the flu season will be this year, health officials say getting a flu shot is the best way to prepare for however it shapes up.
Flu is a virus that causes mild to severe respiratory illness and can lead to hospitalization. The virus kills thousands of people in the U.S. each year. People at higher risk of severe illness or death include children, adults older than 65, pregnant women and those with chronic medical conditions or weak immune systems.
The flu vaccine is the best protection against flu. It can take up to two weeks to become effective, so getting it earlier in the season is ideal. Vaccinations are recommended for everyone 6 months of age and older.
Ways that we can all help prevent the flu:
* Stay home and limit contact with others if you are sick, including staying home from work or school when you are sick.
* Cover your nose and mouth with a tissue when you cough or sneeze. Throw the tissue out when you are done.
* Wash hands with soap and water. Use an alcohol-based hand rub if soap and water are not available.
* Avoid touching your eyes, nose and mouth.
* Clean and disinfect surfaces and objects that may have flu germs on them.
* Avoid getting coughed and sneezed on.
Flu vaccine is available from health care providers, local health departments and many pharmacies. To find flu vaccine clinic, visit the OHA flu prevention website at http://www.flu.oregon.gov/ and use OHA’s flu vaccine locator tool.
AARP FOUNDATION NOW RECRUITING VOLUNTEERS FOR TAX-AIDE
AARP Foundation Tax-Aide is the nation’s largest volunteer-run free tax preparation service
(Lincoln County, Oregon) – AARP Foundation Tax-Aide has kicked off volunteer recruitment for its Tax-Aide program, the nation’s largest volunteer-run tax-preparation service. The Foundation is looking to expand its team of volunteers for the upcoming tax season and is accepting new volunteers for our sites in Lincoln City, Newport, and Waldport.
There are a variety of volunteer roles, including tax preparers, client facilitators, those who can provide technical and management assistance, and interpreters. Every level of experience is welcome. Volunteer tax preparers complete tax preparation training and IRS certification.
To learn about our volunteer opportunities, visit aarpfoundation.org/taxaide or call 1-888-OUR- AARP (1-888-687-2277). AARP Foundation Tax-Aide is offered in coordination with the IRS. If you are thinking about volunteering but have questions, please come to the recruitment meeting on November 21 at the Newport 60+ Activity Center at 1:00 pm.
LINCOLN CITY – The Lincoln City Cultural Center is issuing a call to the community: we need elves! The LCCC is preparing for its 8th annual Tree Lighting Party, set for Friday, Nov. 29. The event will usher in the holiday season with a family ornament workshop, cookies and hot chocolate, festive choral music, a visit with Santa Claus, a jolly vendor fair and family photo opportunities. The small LCCC staff works hard to create this event for our community, and they could use a hand. To volunteer or donate, call 541-994-9994.
This event is made possible by the sponsorship of several local businesses, including Pacific Power, Kenny’s IGA, North Lincoln Fire & Rescue, Lincoln City Towing and the Noble Creek Tree Farm. The members of the LCCC, along with these generous businesses, invite the community to get involved in this year’s event.
Here are the ways that you can help:
** Help decorate the Cultural Center – Deck the halls and the trees, both inside and out. Work parties are scheduled for 10 am to 4 pm Wednesday, Nov. 13, and from 10 am to 4 pm Wednesday, Nov. 20. You are welcome to drop in for any amount of time in those windows. A sandwich lunch will be served at noon. To volunteer, call Judy Hardy at 541-994-9994. ** Be an elf — Volunteers are needed to help with refreshments, lines, photo booths, cleanup and the like, on Friday, Nov. 29. Community or student groups who wish to adopt a game, in the auditorium, are welcome to take donations for their causes. To help, call Judy at the same number listed above. ** Donate – Twinkle lights and ornaments break. Tinsel wears out. They’ve got to be replaced, and it can be difficult for a community arts center to find those funds year after year. If your family values this annual tradition, please consider sending a donation. To give, head to lincolncity-culturalcenter.org or call Kerry at 541-994-9994. ** Raise money for your cause – If you have a community group, charity or student fundraiser, you’re invited to set up shop at the Cultural Center over the weekend. Reservations required (541-994-9994). We’ll provide the tables and chairs. (more…)
Driftwood Public Library presents information session for veterans and others
Everyone is invited Tuesday, Nov. 12, to Lincoln City’s public library for a day-long observance of Veterans Day. Featured will be Devon Whitaker of the state Veterans Affairs office in Newport who can answer questions about state and federal veterans programs and services. The session gets under way at 10 a.m. on the second floor library at 801 SW HWY 101 in Lincoln City.
Library staff are also gathering respected military histories about America’s combat troops, from the Revolutionary War to the present day. All these books will be available for check-out in the library, and will be displayed along with John McCrae’s famous poem, “In Flanders Fields.”
Veterans Day is observed each year on Nov. 11th, a Federal holiday. Originally called Armistice Day, it marks “eleventh hour of the eleventh day of the eleventh month” of 1918 when the guns fell silent, signaling the end of World War 1. While Memorial Day specifically honors those who lost their lives in service to their country, Veterans Day honors all veterans, living or dead. It offers an opportunity to give thanks to living veterans who served their country honorably during war or peacetime.
The event will take place at Driftwood Public Library in the Fischer Room, and is free and open to the public. The library is located on the second floor of the City Hall building at 801 SW HWY 101, across the street from Burger King and adjacent to McKay’s Market. Questions about the event can be directed to the library’s director, Kirsten Brodbeck-Kenney, who can be reached at firstname.lastname@example.org, or at 541-996-1251.
Newport International Terminal surrounded by fishing vessels.
From the Port of Newport – Angela Nebel
Port Commission discusses log yard permit and aquarium expansion.
Prompted to either seek an extension to a building permit for a log yard at the International Terminal or allow the permit to expire, the Port of Newport Commission voted unanimously to authorize General Manager Paula Miranda to seek the six-month extension.
The project, which dates back to 2015 and never constructed, was the subject of extensive conversation at the Port’s regular meeting in September. City of Newport officials had explained at that time that state building codes require that work begins by a certain date or the permit be terminated. Port Manager Paula Miranda used the past month to discuss the issue with various stakeholders, including state legislators and others with a keen interest in the International Terminal. She updated the Port Commission on her efforts. “You never know what’s going to happen in six months,” the general manager explained. “I think the economics of a log yard aren’t quite there but we are making good headway with communications. I don’t want to give the idea that we are not open for business. Another 180 days will put us in a position that we’ll know better which way we are going,” Miranda said. The general manager indicated she has been meeting with a variety of individuals on possible business opportunities for the International Terminal.
In previous correspondence, the city had indicated that the Port would need to provide specific details about the plan in order to obtain the extension. Without an actual project going forward, the Port will have to outline its situation for city building officials. “We can only be honest and say we don’t have a project but we are pursuing businesses and we’d like to keep it open for another 180 days and see what happens. If at the end of that time we don’t have anything on the horizon, then we terminate the permit, get our System Development Charges (SDC’s) refunded and move on with whatever opportunities may come up.”
SDCs are monies paid to the city as part of a project’s building permit. If the project does not come to , the Port will receive a refund of its SDC payments to the city.
After an assessment of the Port’s situation, Commissioner Jim Burke called on port staff “to work with the city on an extension of the building permit for another 180 days and should no project become feasible for the use of this permit during that period, then staff would terminate the permit and request the refund of the SDCs.” The motion received unanimous approval.
Click here for details
Port Commissioners also received an update from Oregon Coast Aquarium’s CEO Carrie Lewis on upcoming renovations at the 27-year-old Aquarium. Lewis provided a slide presentation outlining the different phases of the project and the improvements that will be made to ticketing areas, entry points, landscaping, amphitheater and more. Since the Aquarium is partially located on Port property, the Commission authorized General Manager Miranda to draft and submit a letter providing consent to the Aquarium as they move forward with the Aquarium renovations.
The annual calendar, goal setting, and the general manager’s six-month review were also scheduled at Tuesday’s meeting. To listen to the full audio of the meeting, visit portofnewport.com and click on “commission meetings.”
Five Times in Your Life When You Might Need Help with Your Finances Provided By: Duane J. Silbernagel, CFP®
As you move through different stages of life, you will face new and unique financial situations. Did you just get engaged? Perhaps you are wondering how you and your partner are going to manage your money together. Do you have children? Maybe you are looking for ways to pay for their college education.
When you navigate through these various life events, you might seek professional guidance to help you make sound financial choices.
1. Getting married
Getting married is an exciting time in one’s life, but it also brings about many challenges. One challenge that you and your spouse will face is how to merge your finances. Careful planning and communication are important, since the financial decisions you make now can have a lasting impact on your future.
You’ll want to discuss your financial goals and determine which are most important to both of you. You should also prepare a budget to make sure you are spending less than you earn. Other issues to consider as a couple include combining financial accounts, integrating insurance coverage, and increasing retirement plan contributions.
2. Buying a home
Buying a home can be stressful, especially forfirst-time homebuyers. Since most people finance their home purchases, buying a house usually means getting a mortgage. As a result, you’ll need to determine how large a mortgage you can afford by taking into account your gross monthly income, housing expenses, and long-term debt.
And if you haven’t already done so, you’ll need to save for a down payment. Traditionally, lenders have required a 20% down payment on the purchase of a home, however many lenders now offer loans with lower down payments.
3. Starting a family
Starting a family is an important — and expensive — commitment. As your family grows, you will likely need to reassess and make changes to your budget. Many of your living expenses will increase (e.g., grocery, health-care, and housing costs). In addition, you’ll need to account for new expenses such as child care and building a college fund.
Having a family also means you should review your insurance coverage needs. Life insurance can help protect your family from financial uncertainty if you die, while disability insurance will help replace your income if you become injured or sick.
4. Paying for college
Paying for college is a major financial undertaking and usually involves a combination of strategies to help cover costs — savings, financial aid, income during the college years, and potentially other creative cost-cutting measures. Hopefully, you’ve been saving money on a regular basis to amass a healthy sum when your child is ready for college. But as college costs continue to rise each year, what you’ve saved may not be enough.
For this reason, many families supplement their savings at college time with federal or college financial aid. Federal aid can include student and parent loans (need-based and non-need-based), grants and work-study (both need-based), while college aid consists primarily of grants and scholarships (need-based and merit-based). In fact, college grants and scholarships can make up a significant portion of the college funding puzzle, so exploring the availability of college aid is probably the single biggest thing you can do after saving regularly to optimize your bottom line. In addition to financial aid, you might take out a private college loan or borrow against your home equity. Or you might pay college expenses using your current income or other savings or investments.
5. Saving for retirement
You know that saving for retirement is important. However, sometimes it’s easy to delay saving while you’re still young and retirement seems too far off in the future. Proper planning is important, and the sooner you get started, the easier it will be to meet your retirement income needs. Depending on your desired retirement lifestyle, experts suggest that you may need 80% to 100% of your pre-retirement income to maintain your standard of living. However, this is only a general guideline. To determine your specific needs, you’ll need to estimate all your potential sources of retirement income and retirement expenses, taking taxes and inflation into account.
Once you’ve estimated how much money you’ll need for retirement, your next goal is to save that amount. Employer-sponsored retirement plans like 401(k)s and 403(b)s are powerful savings tools because you can make pre-tax contributions (reducing your current taxable income), and any investment earnings grow tax deferred until withdrawn, when they are taxed as ordinary income. You may be able to enhance your savings even more if your employer matches contributions. IRAs also offer tax-deferred growth of earnings.
The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased.
All investing involves risk, including the possible loss of principal, and there can be no assurance that any investment strategy will be successful.
Taxable distributions from retirement plans and IRAs prior to age 59½ may be subject to a 10% penalty tax unless an exception applies.
Disability premiums are based on your age, gender, occupation, and the amount of potential lost income you are trying to protect, as well as the specifics of the policy and what additional benefits are added.
I hope you found this beneficial and informational. For more information about me and my services, visit my website: www.duane.wrfa.com
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 DSilbernagel@wradvisors.com. 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 2019) and is provided for informational and educational purposes only. Waddell& Reed is not affiliated with www.newslincolncounty.com website and is not responsible for any other content posted to this website. (10/19)
When I ask myself what am I willing to sacrifice to help save the Earth, the list of possibilities is long. This is because as an average American I consume up to sixteen times more energy and resources than most third world people. In considering my list I can understand the logic of denying that there is even a problem to begin with, or denying that there is anything meaningful an individual can do to make a difference. Why bother? Thinking about it will just give you a headache. So forget it! I think not.
I don’t know exactly what makes me care so much, except that when Ilook into my granddaughters’ eyes I know I have to do something to help clean up the Earth that my generation neglected and abused in so many ways. When I am in the company of people who act in behalf of the Earth my heart opens. Because of them I am given confidence and feel optimistic that humanity will see to the healing of the Earth.
Why do I bother to tell you this, you who are already occupied with your own truths and causes? It’s not that I necessarily want you tobecome an environmental activist like me, although that would bewonderful. It’s because like the rising temperatures and rising sealevels and rising frequencies of terrible storms and fires, I too have to rise up and call out. The Earth is our Mother and we cannot rob her of her resources and life without robbing ourselves as well.
Bill Kucha, Depoe Bay
Come be a part of the Global Children’s Week.
SAVING THE FUTURE FOR OUR CHILDREN
Friday September 20, 6:30 to 8:30
at the Hatfield Marine Science Center Auditorium
RALLY to Support the Global Children’s Climate Strike
Marine scientists have been monitoring a definite warming trend in the Pacific Ocean off North America. They’re not sure if it’s connected to global warming but they’re not ruling it out. Commercial fishermen have taken note of the northward migration of the fish they want to catch – fish that want to be in more normally cold waters.
Here’s an update on the latest trends offshore from Oregon Public Broadcasting…Click here.
Public Hearing to be Held on Tree Plan – Submitted by Newport City Hall
The City Council will hold a public hearing on an ordinance and resolution regarding the process for tree planting and removal at its meeting 6:00 P.M. on September 3.
Since 2011, the City of Newport has been recognized as a “Tree City, USA” from the National Arbor Day Foundation. Initial efforts to address various tree issues were initiated with Ordinances No. 2031 and No. 2054.
Ordinance No. 2154 and Resolution No. 3869 address elements of the original tree city effort that were never completed previously. The ordinance and resolution provide for two separate processes to address requests for pruning and removal of trees from the right-of-way. The first process allows City staff to approve permits administratively if a tree needs to be removed because of disease, a safety hazard, impediment to an allowable improvement, (such as a driveway), or because it is dying. All other requests will be referred to a Tree Board for a decision.
The Parks and Recreation Advisory Committee will serve as the Tree Board, with their decisions able to be appealed to the City Council. The ordinance continues to hold property owners responsible for costs related to maintenance and removal of trees within the public right-of-way adjacent to their property. Abatement provisions have been cleaned up to provide for a process to notify property owners when trees need to be removed. If the property owner does not remove the tree, the City can remove the tree and charge the property owner for actual costs, including administrative expenses and costs for posting notice or holding a hearing, when property owners do not address a nuisance or dangerous tree. The ordinance includes a rewrite of Chapter 9.10, which outlines the basic structure of how tree issues will be handled. It will be required that a permit be obtained for tree removal and major pruning of trees within the right-of-way or public property. There will be a process for a private property owner to request permission from the City to remove trees in the right-of-way or public property, with the Engineering Department authorized to act on a request to remove a tree, if it is clearly diseased, blighted, insect-infested, dead, or dying. It also allows the removal of a tree to build allowable improvements in the right-of-way, such as driveway access.
If tree removal is for other reasons, such as maintaining view sheds, solar access and other similar purposes, the City Tree Board will review that request. If it is determined that a tree is being removed for reasons other than safety, disease, or blight by the Engineering Department, and a permit is not issued, property owners within 200 feet of the property would be notified of the Tree Board meeting. This will give adjacent property owners an opportunity to either support or reject the proposed tree removal from City-owned property and/or City right-of-ways. A decision would be made by the Tree Board as to whether the tree could be removed following this public meeting.
Resolution No.3869 contains the City of Newport Tree Manual. This manual addresses where trees can be planted in public right-of-ways, trees that are prohibited from being planted, and the list of acceptable street trees for planting based on small, medium, and large trees. There are also trees that are suitable west of Highway 101, where weather conditions limit the tress that will be successful.
Toledo City Hall 206 Main Street Toledo Google Maps
The Toledo City Council this week will be taking the first of many important steps to hire a new City Manager. Former City Manager Craig Martin recently decided to retire and settle into a new life choosing the Oregon Coast as his forever home.
When the council gathers on Wednesday, they’ll meet the consultant who will help guide them through their preferences in what they want in a new city manager. Here’s what the search will look like…
The consultant is already preparing the way as to how the meeting will be organized. Below are some of the major items and information he will be seeking from the Council when they meet at their Work Session on August 28.
1. What are some of the key characteristics desired in the new City Manager? For example the type of information we will be seeking, see “Ideal Candidate – ‘Education and Experience’ and ‘Necessary Knowledge, Skills & Abilities’ sections from the attached Position Profiles for current ongoing City Manager recruitments in the cities of Coquille and Wood Village.
2. What major projects (3 to 5 of them), problems, or other current issues that the Council wants the new City Manager to address?
3. What is the proposed salary range for the new City Manager?
4. Does the City Council want any other stakeholders, community or outside agency representatives, citizens, business people, City staff and others involved in the review and/or interview process, or will it be just the City Council?
5. Do any of the City Councilors want to meet with the consultant individually regarding the exact characteristics they want to see in the new City Manager or what major issues they want the new City Manager to address, or will a joint discussion at the Work Session be sufficient?
By the way, Toledo residents are invited to attend to get a good idea of how and which way the council would like to take the city. The meeting begins at 6pm, August 28th at Toledo City Hall, 206 Main Street.
Avoid LOUD areas to maintain good hearing throughout your life.
On Sunday, I joined three other members of the Oregon Congressional delegation to visit two Portland shelters for unaccompanied young migrants. The shelters, run by Morrison Child & Family Services, house 13 to 17-year-olds and are – thankfully – worlds away from the horrors we’ve seen at our nation’s doorstep.
The shelter’s goal is to place the children with a family as soon as possible; in fact, the average stay in the short-term shelter is 37 days. In the meantime, the youth are treated with dignity and compassion.
For the kids who’d spent time in Trump’s camps at the border, the difference once they arrive at Morrison is immediate and profound. Children who were denied toothbrushes, showers, and drinkable water at the border, are provided with nutritious food and access to quality health care at Morrison.
I spoke with a sixteen-year-old boy from Guatemala who was forced to flee his home when a drug cartel showed up and told him that he had to join their operation, otherwise they’d kill his entire family. He left his small village and made a difficult and dangerous journey to the United States seeking safety and refuge. He shared that when he reached our border, he regretted coming to America because border agents “treated him like dirt” and told him that he was “an enemy.” Now, thanks to the supportive rehabilitation services of Morrison, he dreams of a future for himself here – he wants to become a mechanic, build a career, and help his family.
These individuals aren’t criminals, David. They’re children who have seen their homes torn apart by violence. They’ve lost family members. And they’ve come to the United States of America – the land of opportunity – for safety and refuge.
Instead, they’ve been met by the policies of the Trump administration: separating children from their parents, herding families into overcrowded cages and cells, denying people the most basic necessities, and subjecting them to utterly dehumanizing treatment in direct violation of our laws.
This is a dark and shameful chapter in American history and we have to do everything we can to have a positive difference. I’ll continue to raise my voice, rally, and fight in Congress for meaningful immigration reform and action to protect immigrant youth, DREAMERS, and vulnerable migrants. We must address the systematic issues in Latin America, much like we did in Eastern Europe after World War II!
It’s our patriotic and moral duty to take care of our neighbors and the most vulnerable in our communities – you can guarantee that I won’t stop fighting until our movement achieves meaningful reform. I feel a personal duty to do more to have an immediate impact on detained children who are suffering this very moment under our government’s watch.
We believe it was on Sunday July 21st that one of our popular beach quilts was stolen from a display at our shop, Coyote Creek Fabrics in South Beach. I came to work on Monday July 22nd and couldn’t find it anywhere and texted Sherry to ask if she had sold it. The answer was no. We continued to look for it for several days but all we ever found was the price tag which had been removed. Then, on facebook we saw that a quilt shop in Tillamook which is about 50 miles north of us, had a very beautiful quilt stolen right off the wall a day or two after ours was stolen.
Of course, we thought these two thefts might have been done by the same person and wanted to warn as many other quilts shops as possible here in the Pacific Northwest. Our shop is located at 3145 SE Ferry Slip Rd, South Beach, Or which is right below Newport and between Pirates Plunder and The Oregon Coast Aquarium. We filed a police report with Sgt Garrett at the Newport Police Department.
Judy Anderson & Sherry Sutton Coyote Creek Fabrics 3145 SE Ferry Slip Rd South Beach 503-504-2132 541-272-7724
CITY OF NEWPORT SEEKING INTERESTED CITIZENS TO FILL PLANNING COMMISSION VACANCY
The Newport City Council is accepting applications to fill a vacancy on the Planning Commission. The City of Newport’s Planning Commission is authorized by ORS 227.020 (Oregon Revised Statutes) and Section 2.05.003 of the City’s Municipal Code. The Planning Commission is comprised of seven appointed members who are city volunteers. The Planning Commission makes decisions directly on various land use issues as well as provides recommendations to the City Council on land use matters.
The Planning Commission meets on the second and fourth Mondays of each month. If this falls on a holiday, the meeting is moved to Tuesday. Work sessions are typically held at 6:00 P.M. in Conference Room A of the Newport City Hall. The regular sessions are typically held at 7:00 P.M. in the Council Chambers.
Volunteer applications are available on the city’s website at www.newportoregon.gov, under the “committees” link, or by calling Peggy Hawker, at 541.574.0613. Deadline for applications is 5:00 P.M., Friday, July 26, 2019. Council will review the applications, and candidates will be interviewed at the August 5, 2019 City Council meeting, at which an appointment may be made.
Senior and Disability Services Case Managers, Toledo Office– $22.23 – 24.53/hr (40 hrs/wk) plus excellent benefits. We are searching for dynamic and skilled case managers. Successful candidates will conduct service assessments, develop care plans, and coordinate a variety of community resources to best meet consumer need. Must be able to work independently and handle a high volume of work. Excellent interpersonal and organizational skills required. Bachelor degree in social services or related field preferred. A combination of education and experience working in human services will be considered. Application process and detailed job descriptions available by visiting our website atwww.ocwcog.org . Email OCWCOG Human Resources with questions – email@example.com . Only applicants selected for interview will be notified. EOE.
Lincoln County School District will be hosting two AmeriCorps members during the 2019-20 school year. If you know of anyone who might be interested, please help spread the word as we will be conducting interviews this summer.
1) AmeriCorps VISTA – Community Connections Coordinator – Building the capacity and resources of the Compass Center for Youth and Families (formerly the DO). Interested applicants can email Katey.Townsend@lincoln.k12.or.us with a cover letter and resume or call 541-265-4506 with questions.
2) AmeriCorps Connect to Compete – Academic Engagement Specialist – Providing focused support to at-risk students with the goal of increasing student attendance. Interested applicants can email Kelly.Beaudry@lincoln.k12.or.us with a cover letter and resume or call 541-265-4440.
There are great benefits to becoming an AmeriCorps member including a stipend, education award, loan forbearance, health benefits, childcare assistance, professional development, networking, resources, and a fulfilling experience helping others. I am happy to answer any questions. (Flyers attached below have more details)
Thank you and have a great summer!
Katey Townsend Lincoln County School District McKinney-Vento Liaison and HELP Program Coordinator
Toledo GP Mill – wants to try a new angle to recycle corrugated container board.
Georgia-Pacific this week reached out to the Lincoln County Commission and the city of Toledo to help them fund an innovative way to recycle various varieties of corrugated cardboard to extend the life of the materials that go into consumer packaging. GP Public Relations Manager CJ Drake said the state of Oregon is offering state-backed financial assistance, coupled with some other financial machinations, that would help GP better finance the project. Oregon state-sponsored Strategic Investment Programs are literally starting up all over Oregon where cities big and small are trying to bring economic growth to their home towns.
GP wants to build what it calls the Juno Project that squeezes out another step in recycling consumer containers. If the process works, and GP says there’s a lot of evidence it does work, it could extend the wood resources that go into box-making, technically saving money for everyone along the product purchasing continuum.
Drake told the County Commission that a partnership with Toledo and Lincoln County would re-arrange property tax payments within the Toledo city limits for a 15 year period while the new Juno Recycling System is built and perfected. To compensate for the partial loss of the growth in property taxes GP would agree to pay a Community Services Fee – how much and for how long would be determined by the county and the City of Toledo. GP would have to agree to the amount set by the city and the county. Public schools would not be affected.
Drake said GP is optimistic that the new technology can be perfected at their Toledo plant and make it even more financially muscular with resulting higher tax revenues to the county and to Toledo. Drake declined to predict how many new jobs would be created – if any.
There was a lot to think about – including the commissioners wanting to chew on the details a bit longer and have GP bring it back before them for further discussions that they hope will clarify the project.
Join us for Newport Public Library’s, FREE and exciting family event! Join us for Wild Family Wednesday! Students, grades K – 5th with a parent or guardian, are invited to a FREE “Bookmark Challenge” event. Create your own bookmark and look for it this summer during “A Universe of Stories” Summer Reading at the library. Collect them all summer long. Drop in during this fun event that begins at 2:45 pm and ends by 4:30 pm on Wednesday, June 5th in the McEntee Room, at the Newport Public Library.
Come and enjoy a fun activity for the whole family! The Newport Public Library will provide all supplies.
Not sure what your kids might want to read? While you are here, ask one of our staff members to recommend a picture book, new fiction book or award winner. We have something for everyone.
Hope to see you soon for “Bookmark Challenge”.
Any questions please call the Newport Public Library at 541-265-2153.
Duane J. Silbernagel Financial Advisor Waddell & Reed 541-614-1322
How to Recover from a Mid-Life Financial Crisis Provided By: Duane J. Silbernagel, CFP®
A financial crisis can be scary at any age, but this is especially true when you’re in your 40s or 50s. Perhaps you’re way behind on saving for retirement or have too much debt from unnecessary spending. Or maybe an unexpected challenge, such as a job loss, illness, or break from the workforce for caregiving responsibilities, took a direct hit on your finances.
Regardless of how you got to this point, it’s important to develop a strategy that will help you re-establish financial stability.
Start by accepting the reality of your situation. This may be easier said than done when you’d rather avoid the anxiety, stress, and guilt that you may feel when you have money issues. It’s okay to feel these negative emotions as part of the recovery process. They are likely to pass with time as you come up with a plan to regain control.
Review your spending
Another step is to create a budget to help establish a positive cash flow. If you’re spending more money than you earn, you’ll need to cut back on your discretionary spending immediately. If you’ve made cuts and your monthly income still isn’t enough, you’ll need to figure out a way to cut your fixed expenses or increase your income.
Reduce your debt
It’s likely that debt is one of the reasons why you’re facing a financial crisis. One survey found that people between the ages of 45 and 54 reported the highest amounts of debt overall, totaling $134,600.1
To reduce your overall debt, identify the amount and interest rate for each obligation you have. Then tackle it by paying off the debt with the highest interest rate first, then the next highest, and so on.
You might also consider restructuring your debt. This involves negotiating new repayment terms with creditors so you can meet your monthly expenses and pay off your debts within a reasonable amount of time. If you can’t afford to hire a professional credit counselor to help you manage or restructure your debt, check with your local Consumer Credit Counseling Service (CCCS) office or another nonprofit credit counseling service to receive assistance at low or no cost. You should also consider other options, such as seeking part-time work for extra income or liquidating assets, that can help you pay off debt more quickly.
Rebuild your funds
Chances are you’ve drained your emergency savings fund. If so, you’ll need to build it back up. Otherwise, you’ll risk racking up credit card debt or dipping into your retirement savings when the next crisis hits.
It’s okay to start small. Set aside a percentage of your paycheck each pay period to go into your cash reserve. Continue adding money after reaching your goal.
Revisit your financial relationships
In order to prevent another financial crisis, what changes will you need to make to your current financial relationships? Consider the following.
• Career. Do you need to increase your income with a second or a part-time job? Is there room for growth in your current career, or should you consider additional education or training to help boost your earnings?
• Home. Do you currently live in an expensive location? Does it make sense to downsize your home or move to a lower-cost area?
• Family. If you’re financially supporting adult children, can you reduce or discontinue it? Similarly, if you support your elderly parents, can your adult sibling(s) share the financial burden of care?
• Habits. Do you overspend to reward yourself? Are you an emotional shopper? Do you buy things you actually want, or are you just trying to keep up with the Joneses?
• Health. Can you make a lifestyle change to improve your health to help avoid future issues and potentially reduce medical costs? Some of these changes will require careful research (e.g., moving or changing careers), whereas others can be easier to implement (e.g., avoiding shopping sprees or reducing aid to adult children).
Reassess your finances periodically
As you get back on the right financial track, it’s critical to monitor your progress. Failure to do so in the past might have contributed to your crisis, so make it a habit to periodically review your finances. You might benefit from working with a financial professional who can help you stay on track with your financial goals as your situation changes.
2016 Survey of Consumer Finances, Federal Reserve Board (most recent data available)
Only 48% of workers ages 45 to 54 are confident that they will have enough money to last throughout their retirement.
Source: 2018 Retirement Confidence Survey, Employee Benefit Research Institute
I hope you found this beneficial and informational. For more information about me and my services, visit my website: www.duane.wrfa.com 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 DSilbernagel@wradvisors.com. 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 2019) and is provided for informational and educational purposes only. Waddell& Reed is not affiliated with www.newslincolncounty.com website and is not responsible for any other content posted to this website. (05/19)
Sen. Merkley wants to make it easy for federal employees to bail out of fossil fuel stocks….
New bill will give federal employees the option to invest retirement savings in funds free of fossil fuel resources
WASHINGTON, D.C. – Oregon’s Senator Jeff Merkley today introduced the Retirement Investments for a Sustainable Economy (RISE) Act of 2019, which gives federal employees the ability to divest from the fossil fuel industry—and reduce the financial liability of fossil fuel asset losses—by offering a Climate Choice investment option for the Thrift Savings Plan (TSP).
“Americans are seeing the growing climate crisis driving catastrophic wildfires, deadly storms and hurricanes, and devastating droughts, and lots of people don’t want to wait around for these risks to grow,” said Merkley. “If people want to get their money out of the industry driving climate chaos, they should be able to. It’s time for Congress to give millions of federal employees the power to ensure their retirement funds are invested in a less risky and more sustainable, socially responsible portfolio.”
Studies have shown that portfolios without fossil fuels have outperformed those with fossil fuels in recent years. That is why in April 2019, Senator Merkley and Senator Maggie Hassan (D-NH) wrote a letter to the U.S. Government Accountability Office (GAO) to examine the risks to federal workers of continuing fossil fuel investments as climate chaos continues to intensify.
Creating a fossil-fuel free option would not only allow TSP participants the ability to align their retirement investments with their values, it could also help participants mitigate their own financial risks. As the climate threat grows and more and more of the world transitions to clean and renewable energy, holding shares in fossil fuel companies may risk bigger and bigger losses for investors.
As of December 2018, the TSP has approximately 5.5 million participants with approximately $558 billion in assets, and is the largest defined contribution plan in the world.