JCPenney takes up to 70% off a selection of Columbia men's and women's clearance styles. Shipping adds $8.95, although orders of $99 or more bag free shipping. (Ship-to-store pickup is also available for $3.95 and free for most orders over $25; free same-day pickup may also be available for select items.) A couple of best bets:
Columbia Women's Lightweight Fleece Jacket for $29.99 + $8.95 s&h ($45 off)
Columbia Men's Midweight Puffer Jacket for $44.99 + pickup (pictured, $105 off)
Knowing what to expect in advance can help you prepare for -- and adjust to -- life in your golden years.