GENUINE
AGCO Parts.
lAGCOI
Airvllle. PA
FARMERS EQUIPMENT
3524 Delta Road
717-862-3967
Annville. PA
BHM FARM EQUIPMENT
Rt. 934, 2 miles N. of Annville
717-867-2211
Bechtelsvllle. PA
MILLER EQUIPMENT CO.
RD #1
610-845-2911
Bethel. PA
ZIMMERMAN FARM SERVICE
1/2 mile West of Rt. 501 on School Rd
717-933-4114
Iross Ri
COLUMBIA CROSS ROAD
RD 2, Box 62
570-297-3873
Elizabethtown. PA
HERNLEY’S FARM EQUIPMENT
2095 South Market St
717-367-8867
Fontana. PA
UMBERGER’S OF FONTANA, INC
8 Miles East of Hershey on Rt 322
1067 Horseshoe Pike, Lebanon, PA
717-867-5161 /800-261 -2106
Georgetown. DE
BAXTER FARM, INC.
RD 3, Box 360
302-856-9526
Glen Rock. PA
WERTZ FARM EQUIPMENT
6877 Lmeboro Road (PA Route 516)
717-235-0111
M EQUIPMENT
Road
410-758-0262
Martlnsburg. PA
BURCHFIELD’S, INC
112 S Railroad St
814-793-2384
Mlffllnburg. PA
ALLEN HOOVER REPAIR, INC
RD #l, Box 227
570-966-3821
New Beth I
HETRICK FARM SUPPU
RD #3
814-275-3507
LONDON FARM SUPPLY
814-938-7444
Quarrvvllle. PA
GRUMELLI FARM SERVICE
929 Robert Fulton Hwy (Rt 222)
717-786-7318
Roxburv. PA
HOLTRY’S EQUIPMENT
10948 Roxbury Road
717-532-7261
Washington. PA
SCHOTT EQUIPMENT SALES
Route 18 North
2075 Henderson Ave
724-222-3780
Wavm
isboro. PA
B. EQUIP., INC.
8422 Wayne Highway
717-762-3193
AGCO® _
BATTERIES^^j^
• Maintenance-free for heavy
duty ag use
• Plenty of cold cranking
amps to start any
equipment
• Computer designed radial
grids maintain energy
• High performance,
maximum reliability,
competitive price
AGCO*
WATER
PUMPS
Choose reman or new:
• One-year warranty
• Engineered to meet the
specific demands of your
equipment
• Competitive pricing
ttHIL
AGCO*
WE ATM ERH EAIT’"
HOSES
Fuel, hydraulic, air, grease, brake, you name it -- we’ll
assemble what you need on the spot. Low to very high
pressure hoses available with all styles of fittings. Choose
Weatherhead for all of your hose applications.
THE SOLAR*
ES 5000
BOOSTER
PAG
• Portable, cordless and rechargeable with superior
cranking power
• Powered by the new GENESIS® battery
• Jump-starts without assistance
• Powers 12-volt devices anywhere
• Maintains usable charge for over two years
Cyclinder Bars
• Tested and proven to perform
consistently
Concaves
• The heart of your combine, these
concaves will prove themselves
efficient and profitable
Rotors
• A faster harvest and maximum
yield
Retirement Savings
RUTGERS, N.J.-With 77
million baby boomers inching
toward retirement, at perhaps
no other time in American his
tory has retirement planning
been of such great concern to so
many people.
Worksheets and computer
software programs can provide
estimates of savings required to
fund a specific amount of
income over an individual’s as
sumed life expectancy. Like all
projections, however, they are
only as good as the assumptions
upon which they are based.
A very important planning
factor is retirees’ financial goals
(e.g., travel) and anticipated life
style. Some people can live hap
pily on half of their pre
retirement income while others
require 100% (or more) to main
tain their lifestyle. There are
also a lot of people for whom the
commonly-quoted range of 60%
to 80% of pre-retirement income
is adequate.
Another planning factor is the
generosity (or lack thereof) of
former employers. Some lucky
retirees have generous pensions
and free or low-cost employer
paid health coverage. Others
have no employer retirement
benefits and must pay thou
sands of dollars annually for
supplemental Medigap health
coverage.
A third planning factor is se
lection of retirement housing.
An April 1998 article in Worth
states that “changes in geogra
phy and shelter are great surro
gates for a lifetime of investing.”
Lancaster Farming, Saturday, March 4, 2000-B5
In other words, trading down to
a smaller home and/or moving
to a cheaper area of the country
can have as much impact on re
tirees’ well-being in retirement
as the amount of money they are
able to invest. Not only does
someone get to invest the profit
from the sale of their home, but
their future living costs will
likely be lower.
Receipt of an inheritance is
another issue to consider. While
inheritances should never be
used as an excuse to save, they
are a potential source of income.
They are also difficult to count
on due to uncertainties about
benefactors’ health and longev
ity. Some adult children are
“hedging their bets” by pur
chasing, and paying premiums
for, long-term care insurance for
their parents. This lessens the
possibility that long-term care
costs, like nursing home bills,
will dissipate their legacy.
Another planning issue is con
sideration of post-retirement
employment income and Social
Security benefits when calculat
ing retirement savings.
Retirement planning is not an
exact science. Instead, it in
volves making the best assump
tions possible and planning and
saving accordingly. This article
has reviewed key planning fac
tors. To determine what you
need to save, check the
“Ballpark Estimate” at
www.asec.org. or contact
Rutgers Cooperative Extension
for fact sheet 431: “How Much
Do I Need To Save For Retire
ment?”