Shelby Shopper Shelby NC
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Page 2 - shelby shopper & info - 704/484-1047 www.shelbyinfo.com Thursday, March 2-March 8, 2023 ©Community First Media Community First Media 356 East Main St., Lawndale 704-538-0508 mainstreethardwareinc.com Mon-Fri. 7:30am-5:30pm; Sat. 8am-4pm Locally Owned & Operated Starting Monday, March 13 Mon.-Fri. 7:30am-6pm Sat. 8am-4pm Brown Mulch $4. 99 bag Red Mulch $4. 99 bag Black Mulch $4. 99 bag Pine Bark Nuggets $4. 99 bag Cypress Mulch $4. 99 bag n26 hp Kohler ® 747cc Engine* w/Pro Air Cleaner nMyRIDE ® Suspension System: Tough on Jobs, Easy on Backs nCuts up to 4.1 Acres/Hour with Max Ground Speed of 8.5 mph (13.7km/h) nFully-Serviceable Hydrostatic Transmission w/Charge Pumps BAG MULCH SPECIALS 3-YEAR,LIMITED/UNLIMITED HOUR RESIDENTIAL WARRANTY 3-YEAR, 300 HOUR COMMERCIAL WARRANTY $ 6,899. 00 Many more models to choose from starting at $ 3,599. 00 > edwardjones.com | Member SIPC FDI-1867K-A © 2022 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. * Annual Percentage Yield (APY) effective 10/03/2022. CDs offered by Edward Jones are bank-issued and FDIC-insured up to $250,000 (principal and interest accrued but not yet paid) per depositor, per insured depository institution, for each account ownership category. Please visit www.fdic.gov or contact your financial advisor for additional information. Subject to availability and price change. CD values are subject to interest rate risk such that when interest rates rise, the prices of CDs can decrease. If CDs are sold prior to maturity, the investor can lose principal value. FDIC insurance does not cover losses in market value. Early withdrawal may not be permitted. Yields quoted are net of all commissions. CDs require the distribution of interest and do not allow interest to compound. CDs offered through Edward Jones are issued by banks and thrifts nationwide. All CDs sold by Edward Jones are registered with the Depository Trust Corp. (DTC). 3/02/2023. Adam K Larsen Financial Advisor 201 N Morgan St Shelby, NC 28150-4430 704-470-4384 Call or visit your local financial advisor today. 1-year Minimum deposit $1000 % APY* Compare our CD Rates Bank-issued, FDIC-insured TEACHERS NEEDED $ 9 00 to $ 15 00 "Based on Experience & Education" "Based on Experience & Education" APPLY IN PERSON KIDS WORLD CHILD Development Center 1152 WYKE RD., SHELBY, NC 704-471-1717 per hour Professionals work hard to achieve both short- and long- term goals. Retirement cer- tainly qualifies as a long-term goal, and many people spend decades building and investing in a nest egg that they hope will help them enjoy their golden years to the fullest extent. The decision regarding when to retire is affected by a host of variables, so what's a good time for one individual may not be ideal for another. However, professionals on the cusp of retirement can consider these tips as they try to pick the right time to retire. • Consider age-related ben- efits. The United States fea- tures government-sponsored retirement income programs and it behooves individuals to familiarize themselves with the rules of those programs so they can maximize their ben- efits.Age-related rules govern the Social Security benefits program in the United States, where individuals can begin claiming benefits at age 62, though those benefits will be reduced by 25 percent. If in- dividuals wait until they're 66 or, in some cases, 67, to claim Social Security benefits, they will receive their full benefits. The Social Security Admin- istration notes that those who can wait until age 70 to claim benefits will receive as much as 132 percent of the monthly benefit they would have re- ceived at full retirement age. Tips to pick the right time to retire These distinctions are sig- nificant, especially for people who will be looking to gov- ernment-sponsored programs to provide significant finan- cial support in retirement. Individuals who won't rely as heavily on such programs may be able to retire earlier. • Pay off your debts. Car- rying debt into retirement can be risky. In general, it's ideal to pay off all debts, including a mortgage and car payment, before retiring. Doing so can provide more financial flex- ibility and make it easier to manage unforeseen expenses, such as those incurred due to health problems. • Consider your retire- ment living expenses. It goes without saying that a sizable nest egg will be a necessity for anyone hoping to live comfortably in retirement. But the tricky part is figuring just how big a nest egg might need to be. In such instances, individuals can speak with a financial advisor and discuss what their retirement living expenses will be. Conven- tional wisdom based on the Consumer Price Index sug- gests individuals will need to replace between 70 and 80 percent of their pre-retirement income after calling it a ca- reer. But even that figure is not set in stone, as rising in- flation, such as the rapid spike experienced in 2022, can quickly put retirees in finan- cial jeopardy. By estimating the expenses they might have in retirement, individuals can begin to see just how close or far away from retirement they may be. Budget for inflation so any spike in living expenses can be easier to manage. Many individuals recognize that there's no perfect time to retire. But a few simple strat- egies can help professionals make the best decision pos- sible.