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Guest Commentary

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William Peterson
5 days ago
William Peterson. Photo courtesy to the Amador Ledger Dispatch

Personal retirement planning is about doing everything you can to protect, maximize and grow your nest egg. However, you cannot simply do whatever you want as there are rules, regulations and guidelines that must be followed.

So, the process is to utilize the best tools and strategies that are best for you and currently available and legal. Unfortunately though, as often happens when strategies become too effective, the government may look into closing some of these tools and strategies. So, you may want to take advantage while...

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Wendell Peart
5 days ago

Guest Commentary by Wendell G. Peart, DVM

The cold blooded murder of Kate Steinle by an illegal immigrant in the City of San Francisco has to be an outrage to every freedom loving American. If this is so, then should not an undertaking be launched as to why such a horrendous event should even be allowed to take place?

Let us examine the circumstances that led up to such a heinous killing. Francisco Sanchez, an illegal alien, was the killer who shot this attractive white woman on San Francisco’s waterfront. He was a known...

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Guest Commentator
5 days ago

As the uneven economy recovery continues in California, there is one area where jobs remain available: technical workers.

Workers with vocational training are currently in demand. The hardest segment of the workforce to replace has been the skilled trades, due to a shortage caused by the exodus of highly-skilled baby boomers that are entering retirement.

So where will we find these workers? There are many young adults in the 18- to 24-year-old age bracket that possess no post-high school education. Many of these individuals are...

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Guest Commentator
2 weeks ago
Previous years of inaction by the Board of Supervisors have left community leaders and residents with little ability to scrutinize the location of development projects throughout Amador County. If local districts like the upcountry community want to have a public process and involvement in planning decisions, then they will need to persuade the BOS to adopt an updated General Plan, which according to County Planning could happen a year or so from now. For example, without an updated plan, the County without any public discussion... [Read more]
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Guest Commentator
2 weeks ago

I spend a fair amount of time talking to students and other young people about Congress and politics in general, and I’ve noticed something. It used to be that I’d regularly get asked how one runs for office. Nowadays, I rarely do.

This is a young generation that is famously leery of politics. Every year, the Harvard Institute of Politics surveys young Americans about their attitudes. In their most recent survey, only 21 percent of respondents considered themselves politically engaged. Last year, only a third counted running for...

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William Peterson
2 weeks ago
William Peterson. Photo courtesy to the Amador Ledger Dispatch

Despite many variables including market performance, in the end one of the biggest predictors of whether or not you will have enough for retirement is how much you save. It’s that simple. In fact, the “Am I Saving Enough?” is probably the most common and popular question that I get asked from pre-retirees. So, are you wondering the same thing?

Fueled by an extreme bull market run with surging stock prices the last several years, some 401(k) and retirement account balances have come back from the beating they took in the latest...

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Guest Commentator
2 weeks ago

4th District of California

I don’t know how adequately to express my alarm and outrage at the President’s agreement with Iran. It is a breathtakingly dangerous act. Some have compared it to Neville Chamberlain’s Munich Accord with Nazi Germany, but that doesn’t fully illustrate the danger. In this case, we are talking about a rogue state with all of Nazi Germany’s genocidal intentions – but this time armed with nuclear weapons.

In its preamble, the agreement asserts that Iran will comply with the Nuclear Non-Proliferation...

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Guest Commentator
3 weeks ago

As you know, you are living in a High Wildfire Danger area of Amador County. During their June 1 meeting, the Lockwood Fire Protection District Board addressed the urgency of fire protection clearing within the Lockwood Fire Protection District. This urgency has been reinforced by the ongoing fires throughout the West which have dangerously stretched fire-fighting agencies across the state. This scenario makes the risk of uncontrolled fire even greater.

You are strongly urged to immediately examine your property for fire protection...

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William Peterson
3 weeks ago
William Peterson. Photo courtesy to the Amador Ledger Dispatch

Americans may be optimistic in general, but when it comes to retirement security many people have their doubts. When I sit down with someone for a meeting for the first time, one of the most common questions that I get asked is, “Are we on track for our retirement?”or, “Is my retirement plan secure?” This is for both pre-retirees who are nearing retirement and for retirees who want to make sure their plan is going to work. So, what about you? Are you on track and confident for a successful retirement?

In the most recent Retirement...

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Lynn Morgan
3 weeks ago

Guest Commentary By: Lynn Morgan Amador Supervisor, D3

Amador County is known for its beautiful scenery, historic small towns, working farms and ranches, wineries, and rural community character. Locally owned small businesses – stores run by our neighbors and friends – are the foundation of our community and economy. These businesses not only provide jobs and tax revenue, they also sponsor sports teams, donate to local charities, provide essential goods and services for local residents and visitors, participate in civic...

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Via Press Release
4 weeks ago
Photo courtesy to the Amador Ledger Dispatch

On Independence Day we celebrate the gift of freedom given to us 239 years ago by the founders of our great nation. Freedom is as precious as life itself. However, its true value is rarely appreciated unless it is either threatened or lost.

July Fourth isn’t just a day off. It’s more than barbecues and parties. The Fourth of July is a time to renew your gratitude for your good fortune to be living in the greatest country in the world.

In 1776 America became the first country to be founded on the recognition of the sanctity of...

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Via Press Release
4 weeks ago

When people see the Red Cross responding to emergencies, they often want to help but don’t know how. We want to help you get involved now, before a major disaster strikes.

Our volunteers respond to a local emergency every 11 hours. In these events, the Red Cross provides shelter, food, and health and mental health services to help families and entire communities get back on their feet. Although the Red Cross is not a government agency, it is an essential part of the response when disaster strikes. We work in partnership with other...

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David Sayen
4 weeks ago

People ask me all kinds of questions about Medicare. One of the most frequent concerns is whether they should sign up for Medicare Part B.

Part B is medical insurance. It covers professional fees for doctors and other health care providers, outpatient treatment, durable medical equipment, home health services, and preventive care like flu shots and screenings for cancer and heart disease.

Part B requires a monthly premium, which is $104.90 for most Americans in 2015. You’re not required to pay the premium if you don’t want Part B...

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William Peterson
06/18/2015 9:57 AM

Sunday is Father’s Day. Hopefully you will be able to spend some quality time with (or remembering) your father, and thank him for the good advice and wisdom that you may have received from him over your lifetime. Advice from your father and all his experiences could be very valuable, especially with his experiences on money matters. With that being said, it may be time to consider some of that wisdom and advice for your own good.

I have had the great fortune of obtaining many fathers as clients. Over these years, I have asked some...

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Via Press Release
06/11/2015 10:31 AM

There have been encouraging signs on Capitol Hill of late that Congress’s long slide into irrelevance may be slowing.

Agreements on Medicare reimbursements in both houses, and on Iran, No Child Left Behind, Pacific trade and other issues in various committees led last month to a chorus of relieved approval both in Washington and in the press. Less noticed, but equally important, a report from the Bipartisan Policy Center found that Congress worked more during the first quarter of this year than the past few years, and that the...

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Via Press Release
06/11/2015 10:29 AM

Reform disabled Social Security. Don’t ask the government to give you money every month if you are not truly disabled from making an income. You can receive it at age 62 or 66 like most other Americans. Reports of crooked attorneys, doctors and even judges abound when it comes to abusing the Social Security system.

Cut the corporate tax rate and give our lost jobs an incentive to come home.

Tax all imports from Mexico, China, Vietnam and other countries up to 20 percent to level the playing field. Corporations have gone to...

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William Peterson
06/04/2015 10:20 AM
William Peterson

“I have been retired for several years and I am receiving a monthly pension from my employer. However, I just recently received a letter in the mail offering me an opportunity to exchange my monthly pension check for an immediate lump sum. Should I accept this lump sum pension cash out?” Thank you. Fred

Thank you for your question; it is a fairly common one that I get a lot. The answer as to whether you should take a lump sum offer or keep your current pension really depends on many factors that must be considered very...

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Via Press Release
06/04/2015 10:18 AM
Amador Ledger Dispatch photo by Bill Lavallie
One of my sons recently came home from a twelve month military deployment. My wife and I took a couple of days and flew to welcome him at his stateside arrival airport. We watched soldier after soldier pick up his or her duffel bag and other luggage in baggage claims. We didn’t see families or friends hugging them and welcoming them home. My son turned the corner and came into the area and I was so delighted to see him. For the first time in one year I heard his voice and hugged him. I’m sure I was missing something. Surely there... [Read more]
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Brent Parsons
06/04/2015 10:15 AM
John Gedney is the new director of Amador’s Transportation Commission, ACTC. Amador Ledger Dispatch photo by Brent Parsons
One of my first stories was on Charles Field. He was the long time director of Amador’s Transportation Commission, ACTC, and given credit for not only his competent management but for two impressive transportation projects: the transit complex on Sutter Hill’s Valley Drive and the highway cutting below it, the 49 Bypass which diverts traffic around Sutter Creek and Amador City. Charles was able to get four neighbor counties to pool funding, find an affordable but effective route, acquire the right of way, and build what after 40... [Read more]
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Terry Sanders
05/28/2015 10:29 AM

Unless your aunt died in service to our country, Memorial Day is not about her. Or any of your other dearly departed. While it is always appropriate to honor our loved ones, remember them and even visit their final resting places, this is not the point of Memorial Day.

This one day of the year, we are all asked to stop and reflect on the sacrifices of those who have paid the ultimate price in service to our nation; during a time of war, one would think this is not something that needs to be explained. Sadly, it does.

“Memorial...

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