Page 2 September 7, 2017
Score BIG With DISH Deals!
Switch to DISH and
Get a FREE Echo Dot
LIMITED TIME! ASK TODAY!
“Alexa, go to ESPN.”
Hands-Free TV™
Restrictions apply.
ADD HIGH-SPEED
INTERNET $49./mo. 99
$14./95
mo.
Subject to availability. Restrictions apply.
190 Channels Now only ...
for 24 months
FREE PREMIUM
CHANNELS
FREE INSTALLATION For 3 months.
HBO Included
At No Cost!
Now, for a limited time
get America’s most
popular premium
network, a $180 value,
included for 12 months
when you purchase a
qualifying Dish Network
TV package!
SAME DAY
in up to 6 rooms
CALL TODAY - INSTALLED TODAY!
FREE Whole
Home HD DVR
Upgrade
• Receive a free Hopper
3 DVR upgrade for up
to 4 TVs
• Record up to 16 shows
at once
• Watch live and recorded
TV on any device
• Store up to 2,000 hours
of TV shows
Offer subject to change based on premium channel availability. where available
for qualifying packages or credit qualification
1-877-781-4694 Call Today - Promo Code: FreeEchoDot
Oer for new and qualifying former customers only. Important Terms and Conditions: EchoDot: Requires credit qualification and new DISH activation with Hopper® with Sling® or Hopper3®. Free Echo Dot provided by DISH. Amazon is not a sponsor
of this promotion. Alexa, Echo, Echo Dot, Amazon Tap, and all related logos are trademarks of Amazon.com, Inc. or its affiliates. Qualication: Advertised price requires credit qualification and eAutoPay. Upfront activation and/or receiver upgrade fees
may apply based on credit qualification. Offer ends 10/18/17. 2-Year Commitment: Early termination fee of $20/mo. remaining applies if you cancel early. Included in 2-year price guarantee at $49.99 advertised price: America's Top 120
programming package, Local channels HD service fees, and equipment for 1 TV. Included in 2-year price guarantee for additional cost: Programming package upgrades ($59.99 for AT120+, $69.99 for AT200, $79.99 for AT250), monthly fees for
additional receivers ($5-$7 per additional TV, receivers with additional functionality may be $10-$15) and monthly DVR fees ($10-$15). NOT included in 2-year price guarantee or advertised price (and subject to change): Taxes & surcharges, add-on
programming (including premium channels), DISH Protect, and transactional fees. Premium Channels: HBO: After 12 mos., you will be billed $15/mo. unless you call to cancel. 3 Mos. Free: After 3 mos., you will be billed $40/mo. for Cinemax, Showtime,
Starz and DISH Movie Pack unless you call to cancel. With PrimeTime Anytime record ABC, CBS, FOX and NBC plus two channels. With addition of Super Joey record two additional channels. Commercial skip feature is available at varying times, starting
the day after airing, for select primetime shows on ABC, CBS, FOX and NBC recorded with PrimeTime Anytime. Recording hours vary; 2000 hours based on SD programming. Equipment comparison based on equipment available from major TV providers
as of 4/1/17. Watching live and recorded TV anywhere requires an Internet-connected, Sling-enabled DVR and compatible mobile device. Other: All packages, programming, features, and functionality and all prices and fees not included in price lock are
subject to change without notice. After 6 mos., you will be billed $8.99/mo. for DISH Protect unless you call to cancel. After 2 years, then-current everyday prices for all services apply. For business customers, additional monthly fees may apply. HBO®,
Cinemax® and related channels and service marks are the property of Home Box Office, Inc. SHOWTIME is a registered trademark of Showtime Networks Inc., a CBS Company. STARZ and related channels and service marks are property of Starz
Entertainment, LLC. With PrimeTime Anytime record ABC, CBS, FOX and NBC plus two channels. With addition of Super Joey record two additional channels. Commercial skip feature is available at varying times, starting the day after airing, for select
primetime shows on ABC, CBS, FOX and NBC recorded with PrimeTime Anytime. Recording hours vary; 2000 hours based on SD programming. Equipment comparison based on equipment available from major TV providers as of 4/1/17. Watching live and
recorded TV anywhere requires an Internet-connected, Sling-enabled DVR and compatible mobile device. All offers require credit qualification, 2-Year commitment with early termination fee and eAutoPay.
4 Strategies to Grow
your Finances in Retirement
(BPT) - Retirement is the time in your
life when you can throw off the shackles of
your daily responsibilities and truly enjoy
the fruits of everything you spent years
working toward. It’s an empowering feeling
and you’ve earned it. You’ve planned and
you’ve saved, but now that you’re here, don’t
make the mistake of believing your financial
planning is over.
On the day you enter retirement, your
financial focus shifts, but its importance
doesn’t diminish. As a retiree, taking an annual
review of your finances is more important
than ever. You deserve to live the retirement
you want. To be sure your finances are up
to the task, here are a few specific items
to review in your annual post-retirement
financial checkup.
When you first created your retirement
plan, you likely discussed an end-of-life age
with your adviser that you could use as a
benchmark and plan toward. Now it’s time
to revisit that age again and take an objective
look in light of your overall health and any
existing conditions you may have. And don’t
be surprised if you find out you’re poised to
live far longer than you expected all those
years ago.
Look at your life insurance policy. You
should take the time to determine if it is
still needed or affordable now that you’ve
entered retirement. As you review your life
insurance policy, you may determine you
don’t need it anymore because your children
are no longer dependent on you and you
have minimal outstanding debts. You may
also find that the premiums have increased
in recent years and the policy is too costly
to maintain.
It’s important to remember that your
life insurance policy is your own personal
property and you have the right to sell it, just
as you would any other financial assets or
physical possession. The sale of your policy
to a third-party investor is known as a life
settlement transaction, and selling the policy
could bring you as much as seven times the
amount you would earn for surrendering it.
During your working years, you probably
reviewed your assets several times, and you
may have even done some rebalancing to
ensure you had the right mix of bonds, stocks
and cash in your financial portfolio. But this
practice doesn’t end simply because you’ve
entered retirement. Look at your assets and
take the opportunity to rebalance - just as you
did during your working years - to ensure
your money is meeting both your short-term
needs and your long-term goals.
Your home is often your most valuable asset.
If you own the home where you live, take a
moment to assess the amount of equity you
have tied up in it. This may be the perfect
time to downsize. You could also consider a
reverse mortgage, which would allow you to
convert some of the equity in your home into
cash you could use for other needs.
Your working years may have ended,
but your financial management is ongoing.
Whether you manage your money yourself
or you work with a financial adviser, take
charge of your retirement by revisiting your
assets and your options. To learn more about
life settlements, how they work and whether
you’re eligible, call 888-521-8223 or visit the
LISA’s website at www.lisa.org. •
Seniors
I live alone
Saving a life
from a potential catastrophe
EVERY 10 MINUTES!
but I’’I’m m never alone.
I have Life Alert.®
One touch of a button sends help fast, 24/7,
can’t • medical • fall • fi re • invasion
• CO gas emergencies.
For a FREE brochure call:
Medical Alert
Medical Alert
Industry Leader
Industry Leader
Since 1987
Since 1987
No landline? No problem!
FREE
SHIPPING!
even when you can’’t reach a phone for:
AS SEEN ON TV
1-888-512-5574
Seeking a Small Business Loan?
What you Should Know
(BPT) - Small businesses still struggle to
obtain credit; nearly half of those who applied
for credit in 2016 didn’t get all the funding
they sought, and 17 percent of those who didn’t
apply for financing skipped it because they
didn’t think they could get what they needed,
according to the Federal Reserve Banks’ Small
Business Credit Survey. However, a growing
number of small businesses are turning to
alternative sources of financing.
“The process for accessing and receiving
funding can be slow and cumbersome and
alternative forms of lending are greatly helping
to improve the availability of financing for small
business owners,” says Jacqueline Reses, head
of Square Capital. “Ensuring that the financial
system is more inclusive and addresses the
needs of small business owners who may have
been previously underserved by traditional
lenders is paramount.”
The Federal Reserve study has shown steadily
increasing numbers of small businesses, with
annual revenues of less than $1 million, seeking
financing through non-traditional sources such
as online lenders.
Knowing how much a loan is going to cost
isn’t always easy. For a small business owner,
being able to see exactly how much you will
need to repay and accounting for that in your
budget is crucial, and you should always look
for transparency. Total payback amount is
the dollar value that represents all costs, so
business owners know exactly what they will
owe over the life of the loan.
The ease of repayment is also important to
consider and there are some unique options
available to small businesses looking for
flexibility when it comes to repayment.
Traditional small business loans can take
weeks to process from the time you collect
all the paperwork to apply, to the time you
actually get approved, to when you see the
money in your account.
While some funding sources have a reputation
for being faster to approve, getting the money
can still take time small business owners don’t
have. Others have been able to tackle both of
those challenges. For example, Square Capital
can see the health of a small business based
on its sales and transaction data, allowing it
to evaluate the business’s stability and actual
ability to repay over time.
Business owners may know how much they
need, but be less aware of what size loan they
can afford. It’s important to accept a loan offer
that your business can repay within a reasonable
time period while also helping it grow.
Square Capital’s ability to use unique data
to assess the eligibility of a business for a loan
also enables it to provide access to loan offers
tailored to a business’s cash flow, reducing the
risk of businesses borrowing more than they
can afford to repay.
Before applying for credit from any lender,
it’s important to do your research. Know how
they present their offers, look for transparency
and flexibility that puts the borrower first and
understand customer satisfaction and lender
dependability.
While online lenders are opening up access
to the financing small businesses need to run
and grow, it’s important to do your homework
and carefully determine which financial partner
best meets the needs of your business. To learn
more about small business loans through Square
Capital, visit www.squareup.com/capital. •
Finance