YOUR FINANCES
Use Your Varied Financial Sources
If you think that you save
enough of your earnings to
comfortably retire at age 65,
consider this:
A 45-year-old with an annual in
come of $83,000, who lives in an
inflation-free environment, would
need more than Si million in finan
cial assets at age 65 to maintain his
current standard of living for 15
years.
Inflation, life span and standard
of living may change that figure
slightly. To build up an adequate fi
nancial cushion for retirement, start
planning by age 40.
Your retirement plan should in
clude Social Security, company
pension, personal savings and in
vestments, and may includc work
after retirement. A professional fi
nancial advisor can help you orga
nize these sources into a plan dc
signed for your financial needs.
By ihc year 2029, when all ihc
Baby Boomers have hit 65, the ra
tio of retirees to workers will have
increased from 2-to-l to 3-to-l.
Given this strain on Social Secur
ity's income pool, you should con
sider these benefits only as a floor
of incomc protection.
Don't rely solely on your compa
ny pension. The average company
pension covers only 40 percent of
your pre-retirement incomc and the
more you change jobs, the less your
retirement benefits will be.
Oilier ways to help supplement
these outside sources arc working
after retirement and buying life in
surance policies. Today's life insur
ance policies offer investment op
tions that can be as risk-oriented or
as conservative as you want or
need. Talk with a professional life
Correct Diagnosis Can Be Difficult
Reports The Arthritis Foundation
Gelling a corrcct diagnosis of
arthritis can be a long and some
times difficult proccss, reports the
Arthritis Foundation.
This difficulty in diagnosis can
result from many factors including:
the large number of arthritis dis
eases; overlapping symptoms com
mon to many forms of arthritis;
misleading laboratory tests; and the
possibility of a person having mul
tiple types of arthritis.
The Arthritis Foundation recom
mends seeing a physician if you ex
perience the following symptoms
for more than two weeks: pain;
swelling; stiffness; or problems
moving one or more joints. Giving
your physician complete informa
tion can help you get an accurate
diagnosis. This information, along
with a physical exam and laborato
ry tests, will help your doctors de
termine what is wrong.
The questions your doctor will
ask may include:
?What joints hurt?
?Have you noticed swelling or
hotness in your joints?
?How long have you had the
pain? When is the pain at its worst?
?Is there anything that makes
your joints feel better or worse?
?Do you have fever, fatigue,
weight loss or oilier physical symp
toms?
?Docs anyone in your family
have arthritis?
For a free brochure giving basic
facts about arthritis, call the Arth
ritis Foundation Information Line
at l-8(X)-283- 78(X) (Monday - Fri
day, 9 am. - 7 pm. Eastern Time).
Steady Aerobic Exercise
Helps People With Arthritis
For years some people with
arthritis have found that vigorous
exercise helps them feel bet
ter. New evidence is
mounting that for some
people with arthritis, a
program of steady aer
obic exercise can be safe
and beneficial, reports the
Arthritis Foundation.
Scientists studying exercise
and arthritis have to take into
account a multitude of factors.
There arc more than 1(X) forms
of arthritis?some very differ
ent from others; there arc vary
ing degrees of disease severity;
and each individual reacts to ex
ercise differently.
In the past, arthritis exercise pro
grams focused on increasing
strength and range of motion. But
new studies arc examining the ben
efits of dancing, cycling, walking
and other aerobic activities for peo
ple with arthritis.
Two helpful cxcrcisc programs
for people willi moderate lo severe
arthritis arc offered by the
1 Arthritis Foundation?
PACE (People with
Arthritis Can Exercise)
and the Arthritis
Foundation/ YMCA Aquatic
? Program.
J Few more information about
L these programs or a free copy of
B the foundation's exercise
f brochure, check the phone direc
k tory for your local Arthritis
k Foundation chapter or call the
f toll-free Arthritis Foundation
Information Line at l-8(X)-283
I 78(X) (Monday - Friday, 9 a.m. - 7
p.m.).
The Arthritis Foundation is the
source of help and hope for an esti
mated 37 million Americans who
have arthritis. The foundation sup
ports research to find ways to cure
and prevent artliritis and seeks to
improve the quality of life for those
affected by arthritis.
insurance agent to determine the
best policies for your financial fu
ture.
Local
Property
Tax Rates
Tax rates for Brunswick County
and its 17 municipalities range
from a low of 5 ccnts to 68 ccnts
per $100 of property, with the
levy based on 100 percent of the
valuation. Residents of cities and
towns pay county as well as mu
nicipal property taxes.
Local Government Tax Rate
Calabash 9.50
Sunset Beach 16.7c
Ocean Isle Beach 20.0c
Shallotte 47.0c
Holden Beach 15.OC
Varnamtown 5.0C
Bolivia 25.00
Boiling Spring Lakes..40.0C
Southport 58.0C
Long Beach 41.OC
Yaupon Beach 33.0c
Caswell Beach 18.0C
Bald Head Village 58.0C
Sandy Creek N/A
Belville 15.0C
Leiand 5.0c
Navassa 25.0c
Brunswick County 68.0C
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Holden Beach Rd.
'A mile from Wal-Mart
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PO Box 44023
Calabash, NC 28467
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