Songwriters/Lyricists Club – Meets the third Saturday of the month, 9-11 a.m.; (208) 666-9162.
Sons of Norway Lodge 11 (IOOF) – Meets the first Friday of the month, except June-August, at 200 E. Railroad Ave., Post Falls; call Jan Olsen, (208) 691-4976..
Soroptimist International – Meets the second and fourth Tuesdays of the month, noon-1 p.m., Elmer’s Restaurant, 300 W. Neider Ave.; (208) 772-0679.
Spirit Lake Historical Society – Meets the third Wednesday of the month at 7 p.m. at the Spirit Lake Library; (208) 665-3265.
Spirit Lake Visions – Meets the fourth Tuesday of the month, 7 p.m., at the home of Verla Reed, 5522 Hampshire St.; open to all who have a vision for improving Spirit Lake; call Joy Porter, (208) 623-4221.
Spokane and Coeur d’Alene Button Society – Meets the third Saturday of the month, 11 a.m., Riverbend Grill, Post Falls; call Julie, (509) 324-2018.
Sweet Adelines – Meets Mondays from 7-9:30 p.m. at Coeur d’Alene Assembly of God, 2200 N. Seventh St.; (208) 777-8554.
Tubbs Hill Foundation – Meets the second Thursday of each month at 7:30 a.m. at Iron Horse, 407 E. Sherman Ave.; (208) 769-2252.
United States Submarine Veterans Inc. – Meets the second Tuesday of each month at 6:30 p.m. at the Post Falls Veterans of Foreign Wars Hall on Third Avenue; call Ron at (208) 665-1392 or (208) 691-8589.
WED NI Professional Wedding Trade Association – Meets the second Tuesday of the month from 11 a.m.-noon at Coeur d’Alene Inn/Best Western, 506 W. Appleway. (208) 691-6964.
WMBA Networking and Fundraising – Meets the fourth Monday of each month from noon-1 p.m. at various Post Falls businesses. Contact Connie for meeting place each month, (208) 773-3555.
Watercolorists of the Inland Northwest – Meets the third Saturday of the month, 10 a.m.-1 p.m. at Heritage Place, 702 W. Walnut Ave.; bring paints and a sack lunch; all levels of experience welcome; (208) 773-9832.
Wordspinners – Writers wishing to share their work meet the third Monday of the month from 6:30-8 p.m. at the Post Falls Library, 821 N. Spokane St.; (208) 762-0754.
AARP – Meets the fourth Tuesday of the month at 1 p.m. at Lake City Senior Center, 1916 Lakewood Drive; (208) 667-4628.
sponsored According to two 2015 surveys, 62 percent of Americans do not have enough savings to handle an unexpected emergency, much less any long-term plans.