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Holliston November 2018

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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

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