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Page 4B The Fenton Current News Magazine September 2015 • Issue 1 Saturday Event Schedule 9:00 Union Pacific Heritage Engine on display downtown ROTC Opening Ceremony Farmer’s Market, Games, Face Painting, Crafts, BBQ, Foods, Antique Tractors 9:00 Pacific Has Talent Contest in Opera House 10:00 Castlewood Band 11:00 Trolley Rides 12:00 Talent Show Winners Announced on Plaza Stage 12:30 World Champion, Charles 230 Darling, “Spitball Charlie” Billiards Artist ~ 2 Shows 1:00 Old Fashioned Sack Races, Washers, and Hula Hoops 1:00 Union Pacific Heritage Engine Presentations and Rail Safety Information 1:30 “Meet Me in Pacific” 3:00 Melodrama & Waffle Cones in the Opera House ~ 2 Shows 5:00 Bennett & Rankins Band 8:00 Closing
September 2015 • Issue 1 The Fenton Current News Magazine Page 5B $ 5 OFF FE HWY 30 AT SUGAR CREEK (636)349-4445 HWY 30 SUGAR CREEK H Steak ‘n Shake Express Lube Goodwill P Fast, Efficient Service PNo High Pressure Sales Come Check Out our NEW Drive-Thru Car Wash Free Car Wash with an Oil Change We’re MORE than a Quick Lube -- Check out our money saving offers on other services! OIL CHANGE Cannot be combined with other offers. Regular price $ 32.95 plus tax. Expires 9/30/15 Now Available Ask For Details! FE Act Soon to Close Your “Insurance Gap” If you work for a fairly sizable company, you may be entering your open enrollment season, when you can add or adjust your employer-sponsored benefits. While you probably should review all your benefits, you may want to pay special attention to your life insurance to determine if you and your family are adequately protected. How much life insurance do you need? You may hear that you require anywhere from seven to 10 times your annual income in life insurance coverage, but this rule of thumb might not be appropriate for everyone; the amount of insurance you need will depend on your individual situation. To help determine if a “gap” exists between the amount of insurance you have from your employer and the amount you need, your first step is to identify all those expenses that your family would Sean C. King face alone if you were gone. Here are some to consider: Financial Advisor • Ongoing income replacement needs and living expenses – If you were to pass away, and your paychecks were to stop, it would likely create a gigantic hole in your family’s finances. Adequate life insurance is necessary to replace the loss of your future salary and cover ongoing living expenses. • Mortgage – If you weren’t around, and your income were to disappear, would your family still be able to remain in their home? Factor in your mortgage in any calculation of life insurance needs. • Debts – Apart from your mortgage, what other debts do you have? Car loan? Credit cards? Perhaps even some old student loans? Even if you pass away, these debts won’t all disappear, especially if some of them are in the names of you and your spouse. Determine how much you pay each month on all these debts and include this figure in your life insurance estimate. • Education – As you know, higher education comes with some high expenses: Four years at an in-state public school can easily cost upwards of $80,000, while the price tag can be twice as much for private schools. And these costs may continue rising. So, if you’ve always planned to send your children to college, you’d better pencil in some big figures for your life insurance calculations. • Emergency funds – It’s a good idea for most people to maintain an emergency fund containing six to 12 months’ worth of living expenses, with the money kept in a liquid account. This fund can help with unexpected doctor’s bills, costly auto repairs and so on. If you weren’t there, could your family afford to contribute to such a fund? Again, it’s something to think about when you estimate your insurance needs. • Surviving spouse’s retirement – If you’re married, your income may contribute to your spouse’s ability to put money away in a retirement account, such as an IRA or 401(k). If you’re gone, your surviving spouse might well have to redirect those funds to the day-to-day costs of running a household. Therefore, include “surviving spouse’s retirement funds” as one more item on your insurance estimate worksheet. As you can see, your absence can jeopardize your family’s ability to maintain both their current lifestyle and their aspirations for the future. So, take the time to figure out just how much of an “insurance gap” you face, and then consider options for filling it. It will be time well spent. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. 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Visit our website at www.wcstlouis.com and see our “Looking for a team tab” For more information on our teams. Also see our summer camp tab FREE LOCAL DELIVERY Up to 10 Miles $ 30 Value To The Curb with over $399 purchase • Set Up Extra Must present coupon at time of purchase. Expires 9-30-15 $ 50 OFF CUSTOM BUILT MATTRESS Over $ 499 Must present coupon at time of purchase. Expires 9-30-15 $ 5 OFF MATTRESS PROTECTORS OR SHEETS Lowest Prices Around Must present coupon at time of purchase. Expires 9-30-15
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