The Roanoker - September/October 2014 - R25

What Happens When...

Every day is

Satur

Saturday?

Every day is

J. Len Hale, CLU, ChFC,
LUTCF, CASL
Agent
New York Life Insurance
111 Franklin Rd, SE , Suite 500
Roanoke, VA 24011
(540) 983-0120
JLHale@ft.newyorklife.com

* New York Life Guaranteed Lifetime
Income Annuity is issued by New York
Life Insurance and Annuity Corporation, a
wholly owned subsidiary of New York Life
Insurance Company, 51 Madison Avenue,
New York, NY 10010. Product available in
jurisdictions where approved. Guarantee
is based on the claims paying ability of the
issuer.
For most jurisdictions, the policy form numbers
for the Guaranteed Lifetime Income Annuity is:
211-P100. State variations may apply.

Saturday?
AR03354_1111_GLIA_AgentAds_Saturday.indd 1

Discipline yourself

Ask yourself, "Is this going to help me in the
long run?" especially when saving for retirement. Whether you put $1 or $50 in your
fund, make sure that you are saving some
of your money. If you learn to take some
money away from your paycheck and survive
on the remainder, you will gain more in the
long run. There are many sites that can help
you calculate how much you should save and
what can be taken out of your budget.
"I think websites such as Forbes and Fortune can help; they have enough content
and financial calculators that you can use,"
Mann says.
Take the initiative to sacrifice some
things so that you can reap the benefits of
your hard work later.

Enjoy what you want

11/23/11 7:53 AM

Do you want to lounge along the beach when
you retire or travel around the world? De*
pending on your retirement goal, the money
that you have saved can get you there. Some
people think there is a set amount that needs
to be stashed away each month, but not necessarily. If you want to travel the world, you
will need to save more money than someone
who wants to spend their retirement on a
* New York Life Guaranteed Lifetime
beach. Think aboutJ. Len retirementChFC,
your Hale, CLU, dreams
Income Annuity is issued by New York
and goals; this will help youLUTCF,out how
figure CASL
Life Insurance and Annuity Corporation, a
Agent
wholly owned subsidiary of New York Life
much to save. Financial planners can help
New York Life Insurance
Insurance Company, 51 Madison Avenue,
gauge how much Franklin Rd, SE , Suite order
New York, NY 10010. Product available in
111 you need to save in 500
jurisdictions where approved. Guarantee
Roanoke, VA 24011
to reach your ultimate retirement goal. They
is based on the claims paying ability of the
(540) 983-0120
issuer.
can help you understand that it's not just
JLHale@ft.newyorklife.com
AR03354_1111_GLIA_AgentAds_Saturday.indd 1
For most jurisdictions, the policy form numbers
bills for the essentials in life, but other facfor the Guaranteed Lifetime Income Annuity is:
tors that contribute to enjoying retirement.
211-P100. State variations may apply.
"I get clients to consider a scenario where
they have no long-term debt and the only
THE COMPANY YOU KEEP®
bills considered are the essentials: utilities,
11/23/11 7:53 AM
AR03354_1111_GLIA_AgentAds_Saturday.indd 1
food, communication, gas, vehicles, etc.
Talk to your New York Life
My software takes in all monetary inflation
Insurance Company agent today
about your retirement income needs.
values. I can take that necessary income
amount and calculate the total amount
J. LEN HALE, CLU,
of savings needed by a retirement date to
ChFC, LUTCF, CASL, Agent
generate that income. This helps us create
New York Life Insurance
Company
a minimum baseline," Mann says.
111 Franklin Plaza, Suite 500,
Roanoke, VA 24011
When you follow the ABC's of planning
P. 540-983-0120
for your retirement, you could be well on
F. 540-983-0126
JLHale@ft.newyorklife.com
your way to the retirement you have always
wanted.
RETIRE-VA.COM

AR03354_1111 | SMRU461870CV (Exp.11/22/13)

ing out a loan, you will have money that you
can take from yourself. Having that extra
money now means having more money and
less stress in the future.
"It's best to pay high interest debt first, but
sometimes I recommend getting the little
things out of the way to create momentum,
feel accomplishment, and to make the process a little less cluttered. You need to evaluate your expenses, essentially creating a budget, and put as much as possible into paying
down the high interest debt after you have
added to an emergency fund," Mann says.

When you're retired,
every day can feel like
Saturday. With more
time for shopping, hobbies and
leisure activities, will your retirement
income be adequate to support your
retirement Len Hale, Guaranteed
J. lifestyle? A CLU, ChFC,
LUTCF, CASL
Lifetime Income Annuity* from
New York Life Insurance and Agent
Annuity New York (A Delaware
Corporation Life Insurance
111 Franklin Rd, SE , Suite 500
Corporation) can help generate
Roanoke, week.
income for any day of theVA 24011
(540) 983-0120
Call me to learn more.
JLHale@ft.newyorklife.com

AR03354_1111 | SMRU461870CV (Exp.11/22/13)

What Happens When...

When you're retired,
every day can feel like
Saturday. With more
time for shopping, hobbies and
leisure activities, will your retirement
income be adequate to support your
retirement lifestyle? A Guaranteed
Lifetime Income Annuity* from
New York Life Insurance and
Annuity Corporation (A Delaware
Corporation) can help generate
income for any day of the week.
Call me to learn more.

25


http://www.RETIRE-VA.COM

The Roanoker - September/October 2014

Table of Contents for the Digital Edition of The Roanoker - September/October 2014

Digital Help Guide
From the Publisher
The Look
The 360
The Gossip
The Flavor
The Gist
The Calendar
Roanoke in the Year 2054
Appreciations and Deprecations: Perspectives on Roanoke Over the Years
What Really Happened with Design ‘79?
The Poff Building Debacle
Roanoke Then & Now
40 Stars of 40 Years
Covers Great, Covers Not-So-Great
Green Building
Restaurants of Old … and Still Here!
Dining: Fiji Island and the New Yorker Deli
The Dish
The Perfect Weekend
Retire-VA
The Roanoker - September/October 2014 - Intro
The Roanoker - September/October 2014 - Cover1
The Roanoker - September/October 2014 - Cover2
The Roanoker - September/October 2014 - 3
The Roanoker - September/October 2014 - 4
The Roanoker - September/October 2014 - 5
The Roanoker - September/October 2014 - 6
The Roanoker - September/October 2014 - 7
The Roanoker - September/October 2014 - Digital Help Guide
The Roanoker - September/October 2014 - 9
The Roanoker - September/October 2014 - From the Publisher
The Roanoker - September/October 2014 - 11
The Roanoker - September/October 2014 - The Look
The Roanoker - September/October 2014 - 13
The Roanoker - September/October 2014 - The 360
The Roanoker - September/October 2014 - 15
The Roanoker - September/October 2014 - The Gossip
The Roanoker - September/October 2014 - 17
The Roanoker - September/October 2014 - The Flavor
The Roanoker - September/October 2014 - 19
The Roanoker - September/October 2014 - The Gist
The Roanoker - September/October 2014 - 21
The Roanoker - September/October 2014 - 22
The Roanoker - September/October 2014 - The Calendar
The Roanoker - September/October 2014 - 24
The Roanoker - September/October 2014 - 25
The Roanoker - September/October 2014 - 26
The Roanoker - September/October 2014 - 27
The Roanoker - September/October 2014 - 28
The Roanoker - September/October 2014 - 29
The Roanoker - September/October 2014 - Roanoke in the Year 2054
The Roanoker - September/October 2014 - 31
The Roanoker - September/October 2014 - 32
The Roanoker - September/October 2014 - 33
The Roanoker - September/October 2014 - 34
The Roanoker - September/October 2014 - 35
The Roanoker - September/October 2014 - 36
The Roanoker - September/October 2014 - 37
The Roanoker - September/October 2014 - 38
The Roanoker - September/October 2014 - 39
The Roanoker - September/October 2014 - Appreciations and Deprecations: Perspectives on Roanoke Over the Years
The Roanoker - September/October 2014 - 41
The Roanoker - September/October 2014 - 42
The Roanoker - September/October 2014 - 43
The Roanoker - September/October 2014 - 44
The Roanoker - September/October 2014 - 45
The Roanoker - September/October 2014 - 46
The Roanoker - September/October 2014 - 47
The Roanoker - September/October 2014 - What Really Happened with Design ‘79?
The Roanoker - September/October 2014 - 49
The Roanoker - September/October 2014 - 50
The Roanoker - September/October 2014 - 51
The Roanoker - September/October 2014 - The Poff Building Debacle
The Roanoker - September/October 2014 - 53
The Roanoker - September/October 2014 - 54
The Roanoker - September/October 2014 - 55
The Roanoker - September/October 2014 - Roanoke Then & Now
The Roanoker - September/October 2014 - 57
The Roanoker - September/October 2014 - 40 Stars of 40 Years
The Roanoker - September/October 2014 - 59
The Roanoker - September/October 2014 - 60
The Roanoker - September/October 2014 - 61
The Roanoker - September/October 2014 - 62
The Roanoker - September/October 2014 - 63
The Roanoker - September/October 2014 - 64
The Roanoker - September/October 2014 - 65
The Roanoker - September/October 2014 - 66
The Roanoker - September/October 2014 - 67
The Roanoker - September/October 2014 - 68
The Roanoker - September/October 2014 - 69
The Roanoker - September/October 2014 - 70
The Roanoker - September/October 2014 - 71
The Roanoker - September/October 2014 - 72
The Roanoker - September/October 2014 - 73
The Roanoker - September/October 2014 - 74
The Roanoker - September/October 2014 - 75
The Roanoker - September/October 2014 - 76
The Roanoker - September/October 2014 - 77
The Roanoker - September/October 2014 - 78
The Roanoker - September/October 2014 - 79
The Roanoker - September/October 2014 - 80
The Roanoker - September/October 2014 - 81
The Roanoker - September/October 2014 - 82
The Roanoker - September/October 2014 - Covers Great, Covers Not-So-Great
The Roanoker - September/October 2014 - 84
The Roanoker - September/October 2014 - 85
The Roanoker - September/October 2014 - 86
The Roanoker - September/October 2014 - 87
The Roanoker - September/October 2014 - 88
The Roanoker - September/October 2014 - Green Building
The Roanoker - September/October 2014 - 90
The Roanoker - September/October 2014 - 91
The Roanoker - September/October 2014 - 92
The Roanoker - September/October 2014 - 93
The Roanoker - September/October 2014 - 94
The Roanoker - September/October 2014 - 95
The Roanoker - September/October 2014 - 96
The Roanoker - September/October 2014 - 97
The Roanoker - September/October 2014 - 98
The Roanoker - September/October 2014 - Retire-VA
The Roanoker - September/October 2014 - R2
The Roanoker - September/October 2014 - R3
The Roanoker - September/October 2014 - R4
The Roanoker - September/October 2014 - R5
The Roanoker - September/October 2014 - R6
The Roanoker - September/October 2014 - R7
The Roanoker - September/October 2014 - R8
The Roanoker - September/October 2014 - R9
The Roanoker - September/October 2014 - R10
The Roanoker - September/October 2014 - R11
The Roanoker - September/October 2014 - R12
The Roanoker - September/October 2014 - R13
The Roanoker - September/October 2014 - R14
The Roanoker - September/October 2014 - R15
The Roanoker - September/October 2014 - R16
The Roanoker - September/October 2014 - R17
The Roanoker - September/October 2014 - R18
The Roanoker - September/October 2014 - R19
The Roanoker - September/October 2014 - R20
The Roanoker - September/October 2014 - R21
The Roanoker - September/October 2014 - R22
The Roanoker - September/October 2014 - R23
The Roanoker - September/October 2014 - R24
The Roanoker - September/October 2014 - R25
The Roanoker - September/October 2014 - R26
The Roanoker - September/October 2014 - R27
The Roanoker - September/October 2014 - R28
The Roanoker - September/October 2014 - R29
The Roanoker - September/October 2014 - R30
The Roanoker - September/October 2014 - R31
The Roanoker - September/October 2014 - R32
The Roanoker - September/October 2014 - Restaurants of Old … and Still Here!
The Roanoker - September/October 2014 - 100
The Roanoker - September/October 2014 - 101
The Roanoker - September/October 2014 - 102
The Roanoker - September/October 2014 - 103
The Roanoker - September/October 2014 - Dining: Fiji Island and the New Yorker Deli
The Roanoker - September/October 2014 - 105
The Roanoker - September/October 2014 - 106
The Roanoker - September/October 2014 - 107
The Roanoker - September/October 2014 - 108
The Roanoker - September/October 2014 - 109
The Roanoker - September/October 2014 - The Dish
The Roanoker - September/October 2014 - 111
The Roanoker - September/October 2014 - 112
The Roanoker - September/October 2014 - 113
The Roanoker - September/October 2014 - The Perfect Weekend
The Roanoker - September/October 2014 - Cover3
The Roanoker - September/October 2014 - Cover4
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