Recently I received the following information from Hans Katzenmeier, Social Security district manager in Dodge City. It is good information for any age.

You've heard the saying before: save for a rainy day. We'd like to suggest you save on a rainy day. Just as April's showers bring May's flowers, your savings today can help make your retirement savings flourish in the future.

According to a recent survey by the Employee Benefit Research Institute, 43 percent of Americans have saved less than $10,000 for retirement; 27 percent have saved less than $1,000.

If you haven't started already, now is the time to begin saving for your retirement no matter what your age. If retirement is near, you'll want to jump into the fast lane right away. If you're younger and retirement seems a lifetime away, it's still in your best interest to begin saving now, as compound interest will work to your advantage. Investors and financial advisors agree that saving when you're young will make a world of difference when the time comes to draw on your retirement savings.

Don't take our word for it. You can check out the numbers yourself. A great place to start figuring out how much you will need for retirement is to learn how much you could expect from Social Security. You can do that in minutes with Social Security's online Retirement Estimator. The Retirement Estimator offers an instant and personalized estimate of your future retirement benefits based on your earnings record. Try it out at

We encourage saving for retirement, but there are reasons to save for every stage of life. A great place to go for help is is the U.S. government's website dedicated to teaching Americans the basics about financial education. Whether you are planning to buy a home, balancing your checkbook or investing in your 401(k) plan, the resources on can help you do it better. Throughout the site, you will find important information from 20 federal agencies government-wide.

Another excellent resource is the Ballpark Estimator at This online tool takes complicated issues, like projected Social Security benefits and earnings assumptions on savings, and turns them into language and mathematics that are easy to understand.

These online resources are a great way to spend a rainy day. And if you're hungry for more, dive into a wealth of further information at

Scheduled activities

Thursday: TOPS meet at 8:30 a.m. The art class meets at 10 a.m. The Ambassador Singers practice at 1 p.m. The Pool Committee will meet at 1 p.m. All pool players age 55 and older are welcome to attend. Plan to attend the Spring Fling, which begins at 2 p.m. We will have fashions, accessories and treats from downtown businesses. Join us for a fun afternoon.

Friday: Line dancing starts at 8:30 a.m., followed by STEPS at 10 a.m. A nurse is available from 10:30 to 11:30 a.m. Bridge begins at 12:45 p.m. The Finney County Senior Citizens Association will have its monthly covered dish dinner at 6 p.m.

Saturday: The pool room is open in the afternoon.

Sunday: Duplicate bridge begins at 2 p.m.

Monday: Exercises are at 8:30 a.m. STEPS begin at 10 a.m. Humdinger Band practices at 12:30 p.m. Bridge and double pinochle begin at 12:45 p.m. The Upbeats practice at 3 p.m. Duplicate bridge is at 7 p.m. Sandhill Art meets at 7 p.m.

Tuesday: The Craft Shop meeting starts at 10 a.m. Pitch is played at 12:45 p.m.

May 12: Foot care appointments begin at 8 a.m. Call 272-3620 to schedule an appointment. Line dancing starts at 8:30 a.m. STEPS begin at 10 a.m. Library outreach is at 11 a.m. Completely Unraveled meets at 1 p.m. Pinochle starts at 12:45 p.m. The dance at 7:30 p.m. will feature the Ortiz Band. The cost is $4 per person. Bring finger food for the break.

Lunch menus

Lunch is served at noon.

Thursday: Baked ham, sweet potatoes, Harvard beets, wheat roll, ice cream with strawberries.

Friday: Chicken enchiladas, Spanish rice, tossed salad, wheat roll, apricots.

Monday: Chicken and noodles, green beans, carrots, citrus fruit cup, fruit muffin.

Tuesday: Roast beef with mashed potatoes and gravy, winter mix vegetables with cheese sauce, wheat roll, apricots.

May 12: Porcupine meatballs, baked potatoes, creamy coleslaw, wheat bread, peaches.