The Press-Dispatch

July 15, 2020

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The Press-Dispatch Wednesday, July 15, 2020 A-3 NEWS BRIEFS Pregnancy Care center banquet July 23 The Pregnancy Care center of Washington is having their Gift of Life Banquet at the Simon J. Graber building on July 23. Doors open at 6 p.m. and the banquet begins at 6:30 p.m. The speak- er will be Angela Minter. She's President of Sisters for Life in Louisville, a dy- namic speaker and helps coordinate prayers in front of the abortion clin- ic in Louisville. The meal will be catering. Tickets are available by calling 812-257-1041. You can al- so stop by and pick up tickets. Hours: Monday through Thursday. If you desire to, you can have tickets reserved and pay at the door. READER GUIDE Subscriptions: Change of address: subscribers changing addresses will please give old address as well as new one along with phone number. We cannot guarantee prompt change unless this is done. POSTMASTER: Send address changes to The Press-Dispatch., P.O. Box 68, Petersburg, IN 47567-0068 or e-mail to subscribe@pressdispatch.net. Subscription rates: One year: $31 for Pike County and all 475/476 zip codes; $34 in the state of Indiana; $51 elsewhere in the USA. Paid in advance. Subscriptions taken after noon on Friday will not receive a paper until the second edition after their subscription date. About us: Andy Heuring and John B. Heuring, Publishers Andy Heuring, Editor John B. Heuring, Adv. Mgr. Eric Gogel, Production Mgr. Monica Sinclair, Office Mgr. Cindy Petty, Adv. Sales Pam Lemond, Adv. Sales Kate Lindsey, Adv. Designer • • • Published every Wednesday by the Pike County Publishing Co. Phone: 812-354-8500 820 E. Poplar St., P.O. Box 68, Petersburg, IN 47567-0068 • • • Entered in the Post Office in Petersburg, Indiana for transmission through the mails as Periodical Mail, postage paid at Petersburg, Indiana – published weekly. (USPS 205- 620) Contact us: Phone: .............. 812-354-8500 Fax: .................. 812-354-2014 E-mail: Andy Heuring, Editor editor@pressdispatch.net Advertising ads@pressdispatch.net General News news@pressdispatch.net Pregnant... or think you are? Call:1-877-257-1084 or Locally Call: 1-812-354-2814 • Free pregnancy testing • Free counseling and info. on pregnancy options. • Confi dential counseling for women & men who are suff ering from post-abortion syndrome. • Residential Care • Health and assistance referrals. • Training and education. • Assistance in getting baby and maternity clothes washpcc@sbcglobal.net www.washingtonpregnancycenter.com PRIVATE MEDICAID ROOMS AVAILABLE SOON Call for information 812-354-8833 Enhancing Lives Through Innovative Healthcare From recovery care and wellness to management of long-term health conditions, Golden LivingCenter - Petersburg offers a full spectrum of innovative programs and services, provided by compassionate, dedicated staff. These include 24-hour skilled nursing care, short-term rehabilitation, private rehab to "Home Suites" and provides both inpatient and outpatient therapy services. For a tour or more information, ™ 309 W. Pike Ave., Petersburg Dr. Clint Shoultz 715 S. 9th St., Petersburg • 812-354-9400 Locally Owned and Operated LIVE YOUR SUMMER Hours: Monday 8-7, Tuesday, 8-noon, Wednesday 10-7, Thursday & Friday 8-5 Are you tired of walking around in a fog while wearing a face mask? Our new product, Fog Free, does a great job of getting your lenses clean and will not harm them. It leaves an invisible protective shield that lasts for up to five days.* 2 oz. Bottle *Not effective on anti-reflective lenses FOG FREE $ 3 Mann raises 'sweet' 4-H project By Andy Heuring Pike Central eighth grader Lillian Mann is following in her father's and grandfather's footsteps with beekeeping, one of her 4-H projects this year. She said she got interest- ed in beekeeping because her father, Tony Mann, kept bees. He got interested because his father, Don Mann, kept bees. Lillian said she likes to smoke the bees while Tony raids the hives for honey. "She doesn't like to be stung," said Tony. He said the suits protect you, but he still gets stung about 10 times a year. "She's a squealer. She gets stung once, she takes off running." Lillian has been helping with the bees for about five years. They have their own unique label, including a Bible verse from Proverbs. The Mann Mi- cro Farms label has a drawing of a bee vomiting honey. It al- so quotes Proverbs 25:16. This verse says, "Hast thou found honey? Eat so much as is suf- ficient for thee, lest thou be filled therewith, and vomit it." Their humor is also a gener- ational thing. Lillian said this is the third year she has done beekeeping for 4-H. They said you can get about 40 pounds of honey out of a single hive. Tony explained they put a thin sheet of wax through the center of each wooden frame in the hive. "It just helps keep the hive orga- nized. He said the bees make all the other wax and combs, but if you didn't provide the wax sheet, they would build the combs in all different di- rections. This year is a little different. She had to submit pictures of her work and the final prod- uct of the actual honey in two forms, chunk in the comb hon- ey and just liquid honey. Tony said they only have five hives this year, but in the past, they have had as many as 12 hives. Lillian has done a wide vari- ety of projects for 4-H, includ- ing baking, rabbits and shoot- ing sports. 4-H projects had to be turned in by Saturday for the Pike County 4-H Fair. Due to COVID-19, this year's fair is only a virtual fair, with all the 4-H projects being submitted online. Artistic Tin Haley Hallet shows off a tinpunch she has been working on. Hallet has been a member of 4-H for sev- en years. She was in the mini 4-H for four years and the last three years in 4-H. She previously has done as many as eight projects for the 4-H Fair. This year, in addition to tinpunch, she is doing weather and cli- mate science, cake decorating and photography. Dear Rusty: I am almost 64 and still work- ing, and I plan to work until about 66 or 67. My wife is 62. Should she go ahead and file for her Social Security? Is it true that she can draw on my SS after I pass away? Signed: In- quiring Husband. Dear Inquiring Husband: The answer to your first question (should your wife claim at 62) isn't simple, be- cause it depends upon a number of things. Is your wife working? If so, and she claims before her full retirement age, she'll be sub- ject to Social Security's earnings test, which limits how much she can earn before they take back some of her benefits. If your wife starts collecting at age 62 and exceeds the annu- al earnings limit ($18,240 for 2020) SS will take back benefits equal to half of what she exceeded the limit by. This is true until she reaches her full retirement age (66 ½ if she was born in 1957), although the earnings lim- it goes up by about 2.5 times and the penalty is less in the year she reaches her full retire- ment age (FR A). Will your wife be eligible for a spousal ben- efit from you when you start collecting? If so, and she claims at age 62, her eventual spou- sal benefit from you will be less than 50 per- cent of your full retirement age (FR A) ben- efit because she took her own benefit early. Whether your wife is eligible for a spousal benefit depends upon whether her own bene- fit (from her own work record) at her FR A (re- gardless of when she claims) is smaller than half of your benefit at your FR A (regardless of when you claim). If it's not, she won't get a spousal benefit. If it is, she'll get a spousal boost on top of her own benefit but claiming at age 62 will mean a smaller spousal benefit. Your wife's age 62 benefit amount will be 27.5 percent less than her benefit would be at her full retirement age, and that re- duction is permanent. And Social Securi- ty benefits are taxable if your combined in- come (married, filing jointly) is more than $ 32,000. If your combined income is be- tween $ 32,000 and $44,000 then 50 per- cent of your wife's SS benefits will become part of your taxable income, and if more than $44,000 then up to 85 percent of your wife's SS benefits will become part of your taxable income. My point is, with you still working, your wife's SS benefits will almost certainly add to your income tax obligation. I'm not trying to dissuade your wife from applying; rather only making you aware of the potential consequences of her claiming at age 62, or at any time prior to her full re- tirement age. If she needs the money now and the above points are not a concern, then ap- plying at 62 could be the prudent choice. But you and your wife should consider the above before deciding if she should claim at age 62. Regarding your second question, if you should predecease your wife, and if the ben- efit you are receiving at your death is more than your wife is already receiving (or is en- titled to receive) on her own, then she will get a survivor benefit from you. If she has already reached her full retirement age when that hap- pens, she'll get 100 percent of the benefit you were getting. If she hasn't yet reached her FR A, she can still claim the survivor benefit, but it will be permanently reduced by a frac- tion of a percent for each month earlier than her FR A. However, if she hasn't yet reached her FR A, she can also delay taking her survi- vor benefit until she reaches FR A to get 100 percent of your benefit (instead of her own). Remember, she gets her survivor benefit, or her own benefit, whichever is higher (she doesn't get both). Social Security Matters By Russell Gloor Will my wife get widow benefit? Above: Tony Mann and daughter, Lillian, pull a hive frame with a wax divider in it. Right: Lillian Mann in a bee suit takes the lid off a bee hive. Bottom left: Lillian Mann shows off two bottles of honey she is submitting for her 4-H project.

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