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<strong>November</strong> <strong>2018</strong> <strong>Holliston</strong> Local Town Pages www.localtownpages.com Page 5<br />
State Election <strong>November</strong> 6<br />
Early Voting Available in <strong>Holliston</strong><br />
through <strong>November</strong> 2<br />
Early Voting will be available for <strong>Holliston</strong> Voters at Town Hall,<br />
703 Washington St. <strong>Holliston</strong>.<br />
You can vote in person at Town Hall through <strong>November</strong> 2, <strong>2018</strong>.<br />
EARLY VOTING AVAILABLE AT TOWN HALL:<br />
Thursday Nov 1 8:30 a.m. - 4:30 p.m.<br />
Fridays Nov 2 8:30 a.m. - 1 p.m.<br />
Election Day voting on<br />
<strong>November</strong> 6th will take place<br />
at <strong>Holliston</strong> High School,<br />
from 7 a.m. – 8 p.m.<br />
If you have any questions,<br />
please feel free to contact the<br />
Town Clerks Office at<br />
(508) 429-0601<br />
Christmas Fair at<br />
Fatima Shrine<br />
On Sat., Nov. 24 from 9 a.m.<br />
to 2 p.m. and Sun. Nov. 25 from<br />
9 a.m. to 2 p.m., the Xaverian<br />
Mission League’s Christmas<br />
Fair will be held in Xavier Hall.<br />
Featured this year will be a yard<br />
sale of Holiday clothing and entertaining/serving<br />
items, a large<br />
bake sale as well as hand-fashioned<br />
one-of-a-kind Christmas<br />
“silk” wreaths, mini-trees and<br />
centerpieces. A children’s craft<br />
(frosting a cupcake) will be held<br />
on both Saturday and Sunday.<br />
Your Money, Your Independence<br />
HSA & HDHP -<br />
Alphabet Soup<br />
of Work Benefits<br />
Fall brings football, hearty<br />
soups and dreaded acronyms in<br />
open enrollment for work benefits.<br />
Americans know the importance<br />
of medical coverage and<br />
retirement programs, yet less<br />
than 50% eligible participate in<br />
the triple tax advantages associated<br />
with saving for health care<br />
expenses through a health savings<br />
account, or HSA.<br />
What are HSAs?<br />
Introduced through the Medicare<br />
Modernization Act of 2003,<br />
HSAs are tax-exempt savings<br />
plans paired with a high-deductible<br />
health plan (HDHP) meeting<br />
certain criteria. For 2019,<br />
this means individual coverage<br />
at least $1,350 in annual deductible<br />
and no more than $6,750 in<br />
annual out-of-pocket expenses.<br />
Family coverage is $2,700 and<br />
$13,500, respectfully.<br />
Key HSA Facts<br />
• In 2019, an individual can<br />
contribute $3,500 and a<br />
family up to $7,000.<br />
• If age 55 or older, you<br />
can contribute additional<br />
$1,000.<br />
• Contributions are taken out<br />
pre-tax or tax-deductible, if<br />
self-employed.<br />
• No federal taxes on money<br />
spent on qualified health<br />
care expenses.<br />
• Interest or other capital<br />
earnings from the account<br />
grow tax-free.<br />
Thus, unlike any other taxadvantaged<br />
savings plan, the<br />
HSA can offer “triple tax benefits”:<br />
tax-free contributions,<br />
tax-free earnings, and tax-free<br />
distributions.<br />
Enrollments Below 50%<br />
Driven by companies shifting<br />
costs onto employees and individuals<br />
seeking to control premiums,<br />
HDHP enrollments in<br />
private insurance for those under<br />
age 65 has risen since 2010 from<br />
25.3% to 47.0% through March<br />
<strong>2018</strong> per the Centers for Disease<br />
Control and Prevention. Yet, less<br />
than half (45.8%) participate in<br />
a HSA. Surprising, given many<br />
employers now contribute funds<br />
to incentivize employees to enroll.<br />
Best Practice<br />
Consider contributing at least<br />
your annual deductible each year<br />
with a 4-year goal to accumulate<br />
a HSA balance exceeding annual<br />
out-of-pocket expenses. Remember,<br />
medical expenses happen<br />
and funds will be used, so be flexible<br />
with your plan.<br />
If You Leave<br />
You own the HSA, there are<br />
no limits on amounts carried<br />
over each year or when funds are<br />
used. If leaving your company,<br />
bring it with you. Need help on<br />
how? Speak with a benefits coordinator<br />
or your financial planner.<br />
The opinions voiced in this material<br />
are for general information only and are<br />
not intended to provide specific advice<br />
or recommendations for any individual.<br />
Glenn Brown is an Ashland resident<br />
and owner of PlanDynamic, LLC,<br />
www.PlanDynamic.com. Glenn is a<br />
Certified Financial Planner, Chartered<br />
Retirement Planning Counselor<br />
and fee-only fiduciary helping families,<br />
business owners and Sandwichers<br />
evolve their financial independence.<br />
PLEASE RECYCLE THIS NEWSPAPER<br />
M A I N S T R E E T P E D I A T R I C S<br />
My Town Publishing is looking to hire a<br />
Full Time/Part Time Sales/Marketing Professional<br />
to coordinate existing<br />
customer accounts and<br />
establish new sales for Medway,<br />
Sherborn, Dover, <strong>Holliston</strong>,<br />
and Medfield town’s telephone<br />
and Business directories.<br />
• 30k - 50k guaranteed from existing customer accounts annually<br />
• Salary up to 40k annually + commission.<br />
1+ years of previous experience in sales, marketing,<br />
customer service, or related field<br />
My Town Publishing is a telephone and Business directory publishing company with good base<br />
accounts established since 1972 and currently a sub-division managed by Vigiboss Inc a Computer<br />
Software Services company. We are looking for a motivated individual who could sell the Ads for the<br />
directories along with IT services such as Website design, Social Media Marketing, etc.<br />
email your resume to: rj@mytownpublishing.com<br />
Main Street Pediatrics would like to announce that<br />
Matthew Wylie, MD has joined our practice<br />
and will be seeing patients as of <strong>November</strong> 6, <strong>2018</strong>.<br />
Dr. Wylie is a graduate of the University of Cincinnati College of Medicine<br />
and completed his residency at Boston Children’s Hospital and Boston<br />
Medical Center. Dr. Wylie is board certified in Pediatrics<br />
and has a special interest in newborn medicine, early child<br />
development and adolescent medicine.<br />
He is accepting new patients of all ages.<br />
Please call 508-435-5506 for an appointment.<br />
77R West Main Street, Hopkinton