Ken Leimberger Cathye J Bunthoff Lending a holiday helping hand G’Town Christmas Parade enjoyed by spectators Mt. Orab Auto Mall collects over 1,100 canned goods for local families “Celebration of Lights” held at fairgrounds Thirteen indicted by grand jury Lady Warriors hit the hardwood with high expectations Warriors reload after graduating four starters Six seniors hit the hardwood for Rockets Lady Rockets packed with size, talent Lady G-Men to rely heavily on young talent G-Men seek improvement after last year’s three-win season Skilled crew on the return for the Blue Jays Broncos begin quest for SBAAC American Div. crown Lady Broncos working hard toward SBAAC American Div. title after finishing as league runner-up last season Experienced crew of Lady Jays return to the hardwood Stephen C Foster Mary J Fitzgerald Tyler Hesler Herbert Polley Robert Layton Donald H Layton James T Smith Thomas M Calvert Thomas J Wolfer Cropper coaches way to 500th career victory Ohio’s Deer-Gun Season opens with more than 18,000 deer harvested Lady Broncos face talented Wilmington squad in season opener at Western Brown SHAC teams hit the hardwood for annual Boys Basketball Preview Western’s Leto and Jones excel in sophomore season of XC Lady Rockets open season with victory over Hillsboro Gary P Garrison Rev Larry T Allen Georgetown, Eastern MS honored by state Woodruff updates Chamber of Commerce Operation Christmas Child reaching out overseas G’town Christmas Parade Dec. 3 Ronald E Blessing Sharlee R West June A Goecke Rockets earn OVAL honors Ogden Court dedication set for Dec. 10 Jays host Broncos for OHSAA Foundation Game Ohio’s young hunters harvest nearly 6,000 deer during Youth Gun Season SHAC holds Girls Basketball Preview Foreclosure filed on former Meadowwood Care Facility Ten indicted by Brown County Grand Jury Nature Works Grant funds for new Senior Playground Shop with a Cop looking for donations and support BC Beekeepers Association busy rescuing honey bees Hilda F Steele Ronald L Palmer Bruce E Phillips Elizabeth J Ellison Daniel L Turner Cook inducted into OIAAA Hall of Fame Eastern honors Coach Kiser G-Men, Devils battle it out in OHSAA Foundation Game Jester is OVAL Football Player of the Year Ipad program a success in Georgetown schools Powih sentenced to six years on rape charges Air Evac team to get new headquarters building in Georgetown Four sentenced in Brown County Common Pleas Court Homer C Eldridge Dennis D Johnson SBAAC First Team soccer all-stars take home awards Ohio’s Deer-gun hunting season quickly approaching League champ Lady Broncos recognized at fall sports banquet SBAAC awards First Team football all-stars, league champion teams Irene D Thurman County GOP sweeps at ballot box Landfill project to provide electricity Three indicted by County Grand Jury BREAKING ELECTION NEWS Wanda L Nixon Ella A Moon David Rogers Joanna W Carter Ann L Yeary Tony Gacek Rigdon finishes 3rd in Pickerington Div. III Regional Meet, advances to OHSAA XC State Tournament Week 10 football roundup Linkous named SBAAC American Division Soccer Player of the Year SHAC awards boys golf all-stars, winning teams Donald L Bauer Andrew W Brown Early voting still going strong at Election Board Tree ordinance brings more questions at G’Town Council Steele named new mayor in R’ville ABCAP’s Reproductive Center receives $2,000 from Jaymie Jamison Foundation Robert E Bailey Myrtle L Stiltner Etta M Mays Kathleen A Holden Eastern XC teams head to Regional Meet A season to remember Lady Warriors finish runner-up in SHAC Div. I Lady Broncos finish season 10-8-1
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Know the impact of retirement goals

The concept of “retirement” has changed dramatically in recent decades. Today’s retirees are traveling, volunteering, pursuing their hobbies — and even working for money. In fact, as a retiree, you can essentially do anything you want, as long as your health and finances permit it. Through exercise, proper diet and avoidance of bad habits, you can do a lot to stay physically healthy. And by clearly identifying your retirement goals and estimating their financial impact, you’ll know how to stay “financially healthy” throughout your retirement years.

So, what are your retirement goals? Here are some of the more common ones:

Travel. Many people can’t wait to see the world once they retire. If you’re one of these eager travelers, you’ve got more choices than ever. Programs such as Road Scholar (formerly known as Elderhostel) provide educational travel programs to virtually every area on the planet. And, of course, you are free to journey on your own. But however you decide to hit the road, you’d better bring your wallet — because travel is expensive. One way of dealing with these costs is to place a certain amount of money each year in a liquid account that offers significant protection of principal. Set aside enough money to cover all your travels for a year, and when it’s exhausted, you’ll know it’s time to stay home for a while.

Rent or buy a second home. During retirement, many people like to spend a few months each year in a more pleasant climate or in a location nearer their grown children. If you are considering a second home, you’ll need to decide whether you want to rent or buy. You’ll find considerable differences from a financial point of view, so you’ll want to think carefully about your choice.

Pursue your hobbies. While you were working, you might have wished that you had more freedom to pursue your hobbies. Once you retire, though, you’ll probably have a lot more time to do what you like, whether that’s driving your classic car, painting landscapes, golfing, fishing, building furniture — whatever. Be aware, however, that some people do get over-exuberant and spend more money on their hobbies than they can really afford. So have fun with your pursuits, but set a budget — and stick to it.

Get back to work. Upon your formal retirement, you may decide to do some consulting or open a small business. Any wages you receive can greatly improve your retirement income picture. For example, the more money you earn, the less you’ll have to take out each year from your 401(k), IRA and other retirement plans. (You will have to take at least minimum withdrawals from some of these accounts.) Plus, if you make enough money, you may be able to postpone Social Security for a few years, thereby increasing your monthly payments when you eventually start taking them.

As you can see, your retirement goals will be closely tied to your finances. So think carefully about what you’d like to do when you retire — and connect these objectives to the money you’ll spend and the money you may earn. By being aware of both your dreams and your “bottom line,” you should be able to enjoy the retirement lifestyle you’ve envisioned.

Jim Holden is a local Edward Jones Financial Advisor in Georgetown.

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