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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