Wednesday, January 2 2013 The MontmorenCy County Tribune 7
Make some New Year's (financial) resolutions for 2013
Once again, it's time to
make some New Year's
resolutions. This year, in
addition to promising your-
self that you'll hit the gym
more often, learn a newlan-
guage or take up a musical
instrument, all worthy
goals, ofcourse, whynot set
some financial resolutions?
Consider these sugges-
tions:
• Boost your retirement
account contributions. If
your income will rise this
year, consider putting more
money into your employer-
sponsored retirement plan,
such as a 401(k), 403(b) and
457(b). You typically con-
tribute pre-tax dollars to
your plan, so, the more you
put in, the lower your tax-
able income. Plus, your
money can have tax-de-
ferred growth potential.
• Don't over-react to the
headlines. Lately, you've
heard a lot about the "fiscal
cliff," political paralysis, the
debt ceiling and other Re-
ally Scary Topics. These is-
sues are not insignificant,
but should they keep you
from investing? After all, in
any given year, you won't
have to look hard to find
warnings and negative news
events, and many people do
use these ominous-sound-
ing headlines as a reason to
head to the investment
"sidelines" for awhile. But if
you're not investing, you're
unquestionablymissing out
on opportunities to make
progress toward your finan-
cial goals. So, instead of fo-
cusing on the news of the
day, make your investment
decisions based on the fun-
damentals of those invest-
ments you may be consid-
ering, along with your goals,
risk tolerance and time ho-
rizon.
• Keep whittling awayyour
debt. Over the past few
years, Americans have done
a good job of lowering their
debt burdens. Of course, the
economy is still tough, and
it can be challenging to
avoid taking on new debts.
But the less debt you have,
the more you can invest for
your retirement and other
important objectives.
• Rebalance your portfolio
to accommodate your risk
tolerance. If you spend too
much time worrying about
the ups and downs of your
investments, then your
portfolio's potential for
volatility may be too great
for your individual risk tol-
erance. On the other hand, if
you continually see little
growth in your holdings,
even when the fnancial
markets are going strong,
you may be investing too
conservatively, especially if
you are willing to take on
some calculated risk to po-
tentially boost your returns.
So review your portfolio at
least once in 2013 to see if it
needs to be "rebalanced" to
fit your risk tolerance.
• Get some help. Navigat-
ing the investment world by
yourself is not easy. For one
thing, there's a lot to know,
different types of invest-
ments, changing tax laws,
the effects of inflation, in-
terest rate movements, and
much more. Furthermore,
when you're making invest-
ment decisions on your
own, you may have a hard
time being objective, so you
might end up investing with
your heart, and not your
head. The need for knowl-
edge and objectivity point
to the advantages of work-
ing with an experienced fi-
nancial professional, some-
one who understands both
the financial markets and
your individual needs and
goals.
These aren't the only fi-
nancial resolutions you
could make for 2013, but if
you followthrough on them,
you may well need to make
fewer ones when 2014 rolls
around.
Tune in Tuesday morn-
ings to Eagle 101.5 FM at
8:30 a.m. to hear Phil
Hofweber discuss the
weekly Financial Focus
topic.
Phil Hofweber is a
financial advisor with
Edward Jones Invest-
ments located in
downtown Gaylord. He
can be reached at 989-
731-1851 or e-mail at
phil.hofweber@edwardjones.com.
Edward Jones, its financial
advisors and employees do not
provide tax or legal advice.
You should consult with a
qualified tax or legal
professional for advice on
your specific situation. This
article was written by Edward
Jones for us by your local
Edward Jones Financial
Advisor.
Legislation passed by governor makes purchasing handguns easier
by Yvonne Sweger
Gov. Rick Snyder has passed legislation that will make
purchasing handguns alittle easier, but he vetoed a bill that
would have allowed holders of concealed pistols to carry in
schools and other places that are currently off limits.
Originally, HB 5225 called for the elimination of the need
for a license in order to purchase a handgun and for the
destruction of all records associated with handgun licens-
ing. However, Snyder has streamlined the purchase pro-
cess without taking such drastic steps.
Permits for purchasing handguns are no longer required
for purchases made from a federallylicensed firearm dealer,
however, a license is still required for the purchase of a
handgun through a private or person-to-person sale. Those
who have obtained a license now have 30 days in which to
make a purchase as opposed to the previous 10-day limit,
and licenses can now be obtained from any law enforce-
ment agency instead of just local law enforcement.
Snyder's legislation retains the Michigan Pistol Database,
which is managed by the Michigan State Police and in-
cludes a handgun's make, model and registered owner.
His veto of SB 59, which would have allowed concealed
handguns to be carried on school property or other off-limit
areas, is based on the bill's failure to let designated public
entities, such as schools, day care centers and hospitals, to
opt out of the new concealed carry provisions.
"While we must vigilantly protect the rights of law- abiding
firearm owners, we must also ensure the right of designated
public entities to exercise their best discretion in matters of
safety and security," Snyder said in a press release. "These
public venues need clear legal authority to ban firearms on
their premises if they see fit to do so."
Snyder referenced the school shootings in Connecticut as
THE PURCHASE OF handguns has been made a little
easier with new legislation signed by Gov. Rick Snyder.
highlighting the need for a thorough review of SB 59.
"This type of violence often leaves society with more
questions than answer,,' Snyder said. "The reasons for such
appalling acts usually are numerous and complex. With
that in mind, we must consider legislation like SB 59 in a
holistic manner. While the bill's goal is to help prevent
needless violence, Michigan will be better served if we view
it through a variety of lenses. A thoughtful review that
examines issues such as school emergency policies, disen-
franchised youth and mental health services may lead to
more answer and better safeguards."
Can't find anything to write on?
Get some scratch pads at the Tribune.
I
ATTEND COLLEGE ONLINE
FROM HOME
• Medical, *Business, •Criminal Justice, *Hospitality.
Job placement assistance. Computer available.
Financial Aid if qualified. SCHEV authorized.
Call 877-895-1828
www.CenturaOnline.com
Centura
COLLEGE
AIRLINE
CAREERS
BEGIN HERE
Become an Aviation Maintenance Tech.
FAA approved training.
Financial aid if qualified - Housing available.
Job placement assistance.
CALL Aviation Institute of Maintenance
877-891-2281
The Cooperative Extension Service of Michigan
State University and the County of Montmorency.
Upcoming Events:
• 4-H enrollment event free: Roller skating at the Hlllman
Community Center on ]an 5 from 1-4 pm.
• 4-H Fun at the Brush Creek Mill in Hillman Jan. 12 from
1-3 pm
• Leader Dinner Jan. 26 @ 6 pm
4-H is the Land of Opportunity
by J0nd WoodNrd
4-H is the land of opportunity when it comes to a variety
of different experiences provided to our youth. The youth
involved in 4-H meet regularly with their clubs and leaders
to do projects that range from arts and crafts, livestock
clinics, fair preparation, community service plus many
more. They are also given the opportunity to be involved in
special short term projects too. Three large experiences that
the youth in this area are involved in are Capital Experience,
Exploration Days, and Summer Camp.
, Capital Experience takes place March 17-20, 2013 in Lan-
sing, Michigan. Applications are due to the Montmorency
County MSU Extension office by Feb. 6. It is open to high
school age teens interested in changing government and
moving Michigan to a positive future. These four days in
March, teens will learn how government reallyworks. They
will choose one interest area, including environment,
equality and personal rights, health, jobs and the economy,
agriculture and crime, drugs and personal safety. Through
the "Michigan Legislative Simulation" teens get to propose
alaw and work through the process of how an idea becomes
a law. The total cost is $310 for 4-H members and $320 for
non-4-H members; this covers costs for great meals, lodg-
ing (hint: bring your swimming suit), travel to various loca-
tions around Lansing, resource materials and fun! Partial
scholarships are available. Check out the Capitol Experi-
ence website for an event application at http://
4h.msue.msu.edu/4h/4_h capitol_experience.
Exploration Days, Michigan's largest annual 4-H event, is
designed to help students learn new ideas and techniques,
increase their interest in arid readiness for college, explore
career options, and develop decision-making, indepen-
dence and teamwork skills. They also meet and interact
with people from different backgrounds and areas through-
out Michigan. 4-H volunteers and staff are on hand to
provide oversight and guidance. When not in action-packed
learning sessions, students will have a plethora of recre-
ation and MSU facility tour choices.
More than 2,500 students and adult chaperones will be on
the Michigan State University (MSU) campus June 19-21
for the 44th annual 4-H Exploration Days. This pre-college
program is for students ages 11 to 19 and adult volunteers
from all over Michigan. Participants stay in residence halls
and attend sessions in their areas of interest ranging from
veterinary medicine to Web design, performing arts, how to
start their own business, organic fanning and many more.
Nearly 200 hands-on classroom and field trip sessions are
offered. Find out more at: http:ll4h.msue.msu.edu/4h/
4_h_exploration_days and from your Montmorency
County MSU Extension office in Atlanta.
Another 4-H event available to the youth in our county is
4-H Summer Camp. It is held at the Ocqueoc Outdoor
Center. This year Summer Camp will take place lune 24-27
2013. Camp is for youth 9-12 years and teen counselors 15-
18 years. This year's theme will be 4-H20. Camp Applica-
tions will be available in May. Five counties will be bringing
youth to the camp to learn about many different outdoor
experiences. Camp Counselors have planned a variety of
activities for both hands on learning and also supervised
outdoor free time fun.
4-H has many more opportunities for education and fun.
If you are interested in attending Capital Experience, Explo-
ration Days, or youth camp, call the MSU Extension Office
at 785-8013 or stop in on Monday, Wednesday, or Friday
from 8:30 a.m. - 4:30p.m.
Call toll-free: 1-888-347-6032
Are You Still Paying Too Much For Your Medications?
YOu can save up to SmZ when you fill your prescriptions
at our Canadian and International Pharmacies.
(2emg x 10o)
U Genetics Manufaclurers
Get An Extra $10 Off& Free Shipping
On Your 1st Orderl
Call the number below and save an additional $10 plus get free shipping on
your first prescription order with Canada Drug Center. Expires Dec 31,2012.
Offer is valid for prescription orders only and can not be used in conjunction
with any other offers.
Order Nowl Call Toll-Free: 1-888-347-6032
Use code IOFREE to receive this special offer.
name products In this od bon I to their respective owners.
Call Toll-free: 1-888-347-6032
Wednesday, January 2 2013 The MontmorenCy County Tribune 7
Make some New Year's (financial) resolutions for 2013
Once again, it's time to
make some New Year's
resolutions. This year, in
addition to promising your-
self that you'll hit the gym
more often, learn a newlan-
guage or take up a musical
instrument, all worthy
goals, ofcourse, whynot set
some financial resolutions?
Consider these sugges-
tions:
• Boost your retirement
account contributions. If
your income will rise this
year, consider putting more
money into your employer-
sponsored retirement plan,
such as a 401(k), 403(b) and
457(b). You typically con-
tribute pre-tax dollars to
your plan, so, the more you
put in, the lower your tax-
able income. Plus, your
money can have tax-de-
ferred growth potential.
• Don't over-react to the
headlines. Lately, you've
heard a lot about the "fiscal
cliff," political paralysis, the
debt ceiling and other Re-
ally Scary Topics. These is-
sues are not insignificant,
but should they keep you
from investing? After all, in
any given year, you won't
have to look hard to find
warnings and negative news
events, and many people do
use these ominous-sound-
ing headlines as a reason to
head to the investment
"sidelines" for awhile. But if
you're not investing, you're
unquestionablymissing out
on opportunities to make
progress toward your finan-
cial goals. So, instead of fo-
cusing on the news of the
day, make your investment
decisions based on the fun-
damentals of those invest-
ments you may be consid-
ering, along with your goals,
risk tolerance and time ho-
rizon.
• Keep whittling awayyour
debt. Over the past few
years, Americans have done
a good job of lowering their
debt burdens. Of course, the
economy is still tough, and
it can be challenging to
avoid taking on new debts.
But the less debt you have,
the more you can invest for
your retirement and other
important objectives.
• Rebalance your portfolio
to accommodate your risk
tolerance. If you spend too
much time worrying about
the ups and downs of your
investments, then your
portfolio's potential for
volatility may be too great
for your individual risk tol-
erance. On the other hand, if
you continually see little
growth in your holdings,
even when the fnancial
markets are going strong,
you may be investing too
conservatively, especially if
you are willing to take on
some calculated risk to po-
tentially boost your returns.
So review your portfolio at
least once in 2013 to see if it
needs to be "rebalanced" to
fit your risk tolerance.
• Get some help. Navigat-
ing the investment world by
yourself is not easy. For one
thing, there's a lot to know,
different types of invest-
ments, changing tax laws,
the effects of inflation, in-
terest rate movements, and
much more. Furthermore,
when you're making invest-
ment decisions on your
own, you may have a hard
time being objective, so you
might end up investing with
your heart, and not your
head. The need for knowl-
edge and objectivity point
to the advantages of work-
ing with an experienced fi-
nancial professional, some-
one who understands both
the financial markets and
your individual needs and
goals.
These aren't the only fi-
nancial resolutions you
could make for 2013, but if
you followthrough on them,
you may well need to make
fewer ones when 2014 rolls
around.
Tune in Tuesday morn-
ings to Eagle 101.5 FM at
8:30 a.m. to hear Phil
Hofweber discuss the
weekly Financial Focus
topic.
Phil Hofweber is a
financial advisor with
Edward Jones Invest-
ments located in
downtown Gaylord. He
can be reached at 989-
731-1851 or e-mail at
phil.hofweber@edwardjones.com.
Edward Jones, its financial
advisors and employees do not
provide tax or legal advice.
You should consult with a
qualified tax or legal
professional for advice on
your specific situation. This
article was written by Edward
Jones for us by your local
Edward Jones Financial
Advisor.
Legislation passed by governor makes purchasing handguns easier
by Yvonne Sweger
Gov. Rick Snyder has passed legislation that will make
purchasing handguns alittle easier, but he vetoed a bill that
would have allowed holders of concealed pistols to carry in
schools and other places that are currently off limits.
Originally, HB 5225 called for the elimination of the need
for a license in order to purchase a handgun and for the
destruction of all records associated with handgun licens-
ing. However, Snyder has streamlined the purchase pro-
cess without taking such drastic steps.
Permits for purchasing handguns are no longer required
for purchases made from a federallylicensed firearm dealer,
however, a license is still required for the purchase of a
handgun through a private or person-to-person sale. Those
who have obtained a license now have 30 days in which to
make a purchase as opposed to the previous 10-day limit,
and licenses can now be obtained from any law enforce-
ment agency instead of just local law enforcement.
Snyder's legislation retains the Michigan Pistol Database,
which is managed by the Michigan State Police and in-
cludes a handgun's make, model and registered owner.
His veto of SB 59, which would have allowed concealed
handguns to be carried on school property or other off-limit
areas, is based on the bill's failure to let designated public
entities, such as schools, day care centers and hospitals, to
opt out of the new concealed carry provisions.
"While we must vigilantly protect the rights of law- abiding
firearm owners, we must also ensure the right of designated
public entities to exercise their best discretion in matters of
safety and security," Snyder said in a press release. "These
public venues need clear legal authority to ban firearms on
their premises if they see fit to do so."
Snyder referenced the school shootings in Connecticut as
THE PURCHASE OF handguns has been made a little
easier with new legislation signed by Gov. Rick Snyder.
highlighting the need for a thorough review of SB 59.
"This type of violence often leaves society with more
questions than answer,,' Snyder said. "The reasons for such
appalling acts usually are numerous and complex. With
that in mind, we must consider legislation like SB 59 in a
holistic manner. While the bill's goal is to help prevent
needless violence, Michigan will be better served if we view
it through a variety of lenses. A thoughtful review that
examines issues such as school emergency policies, disen-
franchised youth and mental health services may lead to
more answer and better safeguards."
Can't find anything to write on?
Get some scratch pads at the Tribune.
I
ATTEND COLLEGE ONLINE
FROM HOME
• Medical, *Business, •Criminal Justice, *Hospitality.
Job placement assistance. Computer available.
Financial Aid if qualified. SCHEV authorized.
Call 877-895-1828
www.CenturaOnline.com
Centura
COLLEGE
AIRLINE
CAREERS
BEGIN HERE
Become an Aviation Maintenance Tech.
FAA approved training.
Financial aid if qualified - Housing available.
Job placement assistance.
CALL Aviation Institute of Maintenance
877-891-2281
The Cooperative Extension Service of Michigan
State University and the County of Montmorency.
Upcoming Events:
• 4-H enrollment event free: Roller skating at the Hlllman
Community Center on ]an 5 from 1-4 pm.
• 4-H Fun at the Brush Creek Mill in Hillman Jan. 12 from
1-3 pm
• Leader Dinner Jan. 26 @ 6 pm
4-H is the Land of Opportunity
by J0nd WoodNrd
4-H is the land of opportunity when it comes to a variety
of different experiences provided to our youth. The youth
involved in 4-H meet regularly with their clubs and leaders
to do projects that range from arts and crafts, livestock
clinics, fair preparation, community service plus many
more. They are also given the opportunity to be involved in
special short term projects too. Three large experiences that
the youth in this area are involved in are Capital Experience,
Exploration Days, and Summer Camp.
, Capital Experience takes place March 17-20, 2013 in Lan-
sing, Michigan. Applications are due to the Montmorency
County MSU Extension office by Feb. 6. It is open to high
school age teens interested in changing government and
moving Michigan to a positive future. These four days in
March, teens will learn how government reallyworks. They
will choose one interest area, including environment,
equality and personal rights, health, jobs and the economy,
agriculture and crime, drugs and personal safety. Through
the "Michigan Legislative Simulation" teens get to propose
alaw and work through the process of how an idea becomes
a law. The total cost is $310 for 4-H members and $320 for
non-4-H members; this covers costs for great meals, lodg-
ing (hint: bring your swimming suit), travel to various loca-
tions around Lansing, resource materials and fun! Partial
scholarships are available. Check out the Capitol Experi-
ence website for an event application at http://
4h.msue.msu.edu/4h/4_h capitol_experience.
Exploration Days, Michigan's largest annual 4-H event, is
designed to help students learn new ideas and techniques,
increase their interest in arid readiness for college, explore
career options, and develop decision-making, indepen-
dence and teamwork skills. They also meet and interact
with people from different backgrounds and areas through-
out Michigan. 4-H volunteers and staff are on hand to
provide oversight and guidance. When not in action-packed
learning sessions, students will have a plethora of recre-
ation and MSU facility tour choices.
More than 2,500 students and adult chaperones will be on
the Michigan State University (MSU) campus June 19-21
for the 44th annual 4-H Exploration Days. This pre-college
program is for students ages 11 to 19 and adult volunteers
from all over Michigan. Participants stay in residence halls
and attend sessions in their areas of interest ranging from
veterinary medicine to Web design, performing arts, how to
start their own business, organic fanning and many more.
Nearly 200 hands-on classroom and field trip sessions are
offered. Find out more at: http:ll4h.msue.msu.edu/4h/
4_h_exploration_days and from your Montmorency
County MSU Extension office in Atlanta.
Another 4-H event available to the youth in our county is
4-H Summer Camp. It is held at the Ocqueoc Outdoor
Center. This year Summer Camp will take place lune 24-27
2013. Camp is for youth 9-12 years and teen counselors 15-
18 years. This year's theme will be 4-H20. Camp Applica-
tions will be available in May. Five counties will be bringing
youth to the camp to learn about many different outdoor
experiences. Camp Counselors have planned a variety of
activities for both hands on learning and also supervised
outdoor free time fun.
4-H has many more opportunities for education and fun.
If you are interested in attending Capital Experience, Explo-
ration Days, or youth camp, call the MSU Extension Office
at 785-8013 or stop in on Monday, Wednesday, or Friday
from 8:30 a.m. - 4:30p.m.
Call toll-free: 1-888-347-6032
Are You Still Paying Too Much For Your Medications?
YOu can save up to SmZ when you fill your prescriptions
at our Canadian and International Pharmacies.
(2emg x 10o)
U Genetics Manufaclurers
Get An Extra $10 Off& Free Shipping
On Your 1st Orderl
Call the number below and save an additional $10 plus get free shipping on
your first prescription order with Canada Drug Center. Expires Dec 31,2012.
Offer is valid for prescription orders only and can not be used in conjunction
with any other offers.
Order Nowl Call Toll-Free: 1-888-347-6032
Use code IOFREE to receive this special offer.
name products In this od bon I to their respective owners.
Call Toll-free: 1-888-347-6032
