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THE REVERE ADVOCATE – FRIDAY, DECEMBER 1, 2023 Page 17 OBITUARIES Vincenza (Viola) Salvaggio years to the late Giuseppe Salvaggio. The loving mother of Rose Cayton of Palm Coast, FL., Phyllis Palumbo & her late husband Frank Palumbo of Wilmington, & Maria Rosberg & her husband Michael Debye of Burlington. She is the cherished grandmother of 8 loving grandchildren, 11 great grandchildren & 1 great – great grandchild. She has & siblings living & deceased. She is also lovingly survived by many nieces, nephews, grandnieces, & grandnephews. Family & friends were invitO f Revere. Died at the Massachusetts General Hospital on November 22nd. She was 94 years old. Vincenza was a native of Pietraperzia, Sicily, Italy. Vincenza married her husband, Giuseppe Salvaggio in Pietraperzia on August 12, 1946. They remained in Italy, where they began their family. In 1957, Vincenza made the journey to the United States joining her husband Giuseppe with their two daughters, settling Boston’s North End. They had another daughter 18 years later, all girls, and the family moved to East Boston, then later Hyde Park. In 1993, the family made their last move to West Revere. Vincenza was a devoted housewife and mother. She was the epitome of mother, showing her children what love & family means by her daily actions. She is the beloved wife of 66 FOOTBALL | FROM Page 1 concluded with a display of football’s harsh truths – turnovers can be decisive, and they proved to be the Achilles’ heel for Revere as Winthrop capitalized with scores after turnovers. Captain Malki, alongside his fellow captains and seniors – Walter Rodriguez, Abbas Atoui and Carlos Rizo – refl ected on the season with a maturity beyond their years. There’s no single reason the team can point to for its loss, the captains said. They were energized, motivated and full of love for each other and the game. Yet, in the end, it was the big plays that spelled their downfall. And all they could do was tip their caps, or helmets, shall we say. This sentiment resonated throughout the season, as the team faced their challenges head-on, learning and growing with each snap of the ball. Coping with injuries throughout the entire season, the Patriots battled, and, when near full strength, showed what type of team they can be. Whether it was a four-touchdown-run effort from Geovani Woodard, or a three-touchdown-pass game from Rizo, Revere ended up being a competitive team when ed to attend a visitation on Wednesday, November 29th in the Vertuccio Smith & Vazza, Beechwood Home for Funerals, Revere. A Funeral Mass was celebrated at in St. Anthony of Padua Church, Revere on Thursday. Entombment followed in Woodlawn Cemetery Sheffi eld Mausoleum, Everett. Please omit fl owers, donations may be made to St. Jude Children’s Research hospital 501 St. Jude Place Memphis, TN 38105. Andrew D. DeFrancesco O f Revere. Died on Monday, November 27 at the Edith Nourse Rogers Memorial Veterans Hospital in Bedplaying with a full deck. The captains’ parting message to the returning players was clear and potent: Begin in the weight room. “As for the returning players next year, we would all like to reiterate the same core values,” Malki said. “It all starts in the weight room. From January until Thanksgiving Day, good teams treat every day like it’ll make all the diff erence. When it comes down to the fi ne line between two good teams, the little things decide the winner. Show up to weight room, work hard, be a leader and most of all set the tone for the team’s morals. If there’s a crack in the foundation the whole structure goes down. Make sure the younger guys and new players know exactly what’s expected. Set the tone and normalize not tolerating laziness and complaining early on.” Discipline or a lack of it will make or break your season, Malki said, adding, “Push to your limits and enjoy your wins, but most importantly know how to handle your losses. All of us captains can tell you fi rsthand after this season that good leaders are the ones who claim accountability after losing. And even more so after losing time and time again. Winning reford at the age of 84. He was the husband of Sharon (Segalla) DeFrancesco with whom he shared 59 years of marriage. Born in Boston and raised in the South End, he was the son of the late Andrew and Maria (Cogliano) DeFrancesco. A U.S. Marine Corps veteran of the Vietnam Era, Mr. DeFrancesco worked for many years as a General Contractor. A resident of Revere for the last 27 years, previously living in Malden, he enjoyed woodworking in his spare time. Mr. DeFrancesco was a member of the VFW Post #6712 in Beachmont and the DAV. Besides his wife he is survived by two children; Richard DeFrancesco and his wife Lourdes of Peabody, Denise Howard and her husband Dave of Topsfi eld, four grandchildren; Daria, Drew, Sofi a and Mia. He was the brother of Ettore DeFrancesco of Revere, Paul DeFrancesco of NH, John DeFrancesco of ME and Anthony DeFrancesco of TX. Relatives and friends are invited to attend a funeral mass in St. Mary of Assumption Church, 660 Washington Ave., Revere, on Friday, December 1 at 11 a.m. Interment to follow at Puritan Lawn Memorial Park, Peabody. In lieu of fl owers donations in his memory may be made to the Wounded Warrior Project @https://support. woundedwarriorproject.org. quires everything and guarantees you nothing. Even when you do everything right, work your very hardest, do your very best, sometimes, it’s just not your day. Anything can happen. You can be the better team and still lose. Accepting that and working your hardest anyways is what this sport is all about.” The future for these young men is bright, with Malki focusing on wrestling, Rodriguez eyeing a spring track while recovering from an injury, Atoui aiming for track success, and Rizo hoping to continue his quarterback career in college. As they move on to new challenges, they carry the lessons learned on the football fi eld – lessons of perseverance, teamwork and the relentless pursuit of excellence. As Revere turns the page on the 2023 season, the story of this team will be remembered not for the scores, but for the spirit, determination and heart they exhibited. This is the legacy the captains leave behind – a legacy not defi ned by wins or losses, but by the indomitable will to keep fi ghting, no matter the odds. “We’ll all defi nitely be keeping in touch with one another,” Malki said, “and with the family bonds we’ve made with this team over the last four years.” How a Health Savings Account Can Boost Your Retirement Savings Dear Savvy Senior, I’m interested in contributing to a health savings account to help boost my retirement savings but would like to better understand how they work. What can you tell me? Almost 60 Dear Almost, A health savings account, or HSA, is a fantastic fi nancial tool that can help you build up a tax-free stash of money for medical expenses now and after you retire. But to qualify, you must be enrolled in a highdeductible health insurance plan. Here’s an overview of how they work and how you can open one. HSA Rules HSAs have become very popular over the past few years as the cost of health care continues to skyrocket, and because more and more Americans have high-deductible health plans. The great benefi t of a HSA is the triple tax advantage that it off ers: Your HSA contributions can be deducted pretax from your paycheck, lowering your taxable income; the money in the account grows taxfree; and if you use the money for eligible medical expenses, withdrawals are tax-free. And if you change jobs, the HSA moves with you. To qualify, you must have a health insurance policy with a deductible of at least $1,500 for an individual or $3,000 for a family in 2023. In 2024, the deductible rises to $1,600/individual or $3,200/ family. This year, you can contribute up to $3,850 if you have single health insurance coverage, or up to $7,750 for family coverage. Next year (2024) you can contribute signifi cantly more – up to $4,150 for single coverage or up to $8,300 for family coverage. And people age 55 and older can put away an extra $1,000 each year. But you cannot make contributions after you sign up for Medicare. The money can be used for outof-pocket medical expenses, including deductibles, co-payments, Medicare premiums, prescription drugs, vision and dental care and other expenses (see IRS.gov/pub/irspdf/p502.pdf, page 5, for a complete list) either now or when you retire for yourself and your spouse as well as your tax dependents. Unlike a flexible spending account, an HSA doesn’t require you to use the money by the end of the year. Rather, HSA funds roll over year to year and continue to grow tax-free in your HSA account for later use. In fact, you’ll get a bigger tax benefi t if you use other cash for current medical expenses and keep the HSA money growing for the long term. Be sure to hold on to your receipts for medical expenses after you open your HSA, even if you pay those bills with cash, so you can claim the expenses later. There’s no time limit for withdrawing the money tax-free for eligible medical expenses you incurred any time after you opened the account. But be aware that if you do use your HSA funds for non-medical expenses, you’ll be required to pay taxes on the withdrawal, plus a 20 percent penalty. The penalty, however, is waived for those 65 and older, but you’ll still pay ordinary income tax on withdraws not used for eligible expenses. How to Open an HSA You should fi rst check with your employer to see if they off er a HSA, and if they will contribute to it. If not, you can open an HSA through many banks, brokerage fi rms and other fi nancial institutions, as long as you have a qualifi ed high-deductible health insurance policy. If you plan to keep the money growing for the future, look for an HSA administrator that off ers a portfolio of mutual funds for longterm investing and has low fees. Some of the top-rated HSA providers in 2023 are Lively, HealthEquity, OptumBank, Fidelity, HSA Bank and Bank of America. After setting up your HSA plan, adding money is pretty straightforward. Most plans let you do online transfers from your bank, send checks directly, or set up a payroll deduction if off ered by your employer. To access your HSA funds many plans, provide a debit card and most allow for reimbursement. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

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