June Howser Marguerite A Fender Timothy D Harris Jay R Purdy Robin S Godwin Mark A Wachter Chester W Eyre Warriors blast past the G-Men, 61-40 Rockets performing well heading into post-season tournament play Lady Warriors bring home the Gold with perfect 13-0 finish in SHAC Western Brown Junior High wrestling team wraps up successful season Rockets fall victim to ‘Pack’ attack Broncos suffer heartbreaking loss to Mentor Lake Catholic in state quarterfinals Adult Education Center coming to county ‘Senior Playground’ moving forward at Georgetown park Brown County 4-H kicks off another year Eastern Middle School celebrates “Kindness Week” Billie L Shoemaker Erma J Teeters Ralph L Tracy Darrell Inskeep Jeffrey C Clark Carole Metzger Tommy R Ring Brent A Arn Daniel L Sellers Lady Warriors finish regular season as SHAC Division I champions Regular season comes to a close for Lady Rockets Howell commits to Walsh Rockets peaking at right time Emotions run high as Eastern seniors present disabled students with signed basketballs on Senior Night Broncos top Bethel-Tate at In-School Dual before heading to state tourney Lady G-Men shoot down the Rockets State Senator Uecker tours Georgetown schools Proposed school budget numbers released by Kasich Todd Rumpke remembered, honored with Lifetime Achievement Award Ten year old from Hamersville appears in commercials Three sentenced in common pleas Emery D Sutherland Robert C Downs Sr Chester A Lanter Robert L Orr Jessica L Farris Broncos are Region 15 champs Jays soar to win over Eastern Lady Warriors roll to 18-1 Pitch count regulation approved for high school baseball Lady G-Men top Amelia for sixth win Regular season winding down for Lady Broncos Awards presented at Chamber Breakfast ‘Number one heroin dealer’ gets 15 years Seven indicted by county grand jury Aberdeen searches for new fiscal officer Aberdeen searches for new fiscal officer Harold Wardlow Kimberly B Petri Betty L Gifford Ollie J Slone Ralph J Snider James R Garman Betty L Greiner RULH welcomes four new members to Sports Hall of Fame Broncos gallop to win over Hillsboro Rockets soar past Whiteoak Broncos advance to Div. II, Region 15 Semifinals Jays edge out Peebles James S Kesler Veterans honored with service medals Man arrested after home invasion Truck driver faces manslaughter charges after November crash BC Chamber prepares for 2017 Business Breakfast, Monday, Jan. 30 in Georgetown BC Animal Shelter asks people to consider adopting a dog Victor J Bohl Vivian Coleen Charles E Bates Sr Eal Lainhart Michael D Karos Jr John H Kirk Janet R Meyer Patsy A Clark Dorothy J Schroeder Broncos trample the G-Men, 73-40 Rockets down the Devils, 59-55 Seven new inductees to enter WBHS Sports Hall of Fame Lady Warriors ascend to 13-1 Broncos finish 2nd of 22 teams in Hammer and Anvil Invitational Hedwig Lambert Billie G Walkup Some county offices may be moved G’town Council approves 2017 budget Family doubles in size with adoption Sardinia Mayor looks forward to 2017 2017 Fayetteville Firemen’s Festival set Floyd Newberry Jr Donna F Lang Gene Warren Dwight L Fulton Virginia A O’Neil Anne L Durbin-Thomas Marietta Dunn

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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2016 News Democrat