Betty Ratliff Broncos claim SBAAC wrestling title Broncos pull ahead for win over G-Men in SBAAC Tourney Ripley boys wrap up regular season with win at Lynchburg Eastern girls are sectional champs Anderson pleads not guilty to battery charge Some county offices to change locations Fayetteville prepares for Traveling Vietnam Memorial Wall HealthSource hosts Chamber of Commerce meeting Five sentenced in Brown County Common Pleas Court June Howser Marguerite A Fender Timothy D Harris Jay R Purdy Robin S Godwin Marc 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

Avoid emotional investment decisions

What’s the biggest obstacle to your ability to invest successfully? Is it the ups and downs of the financial markets? Political events? The fact that you weren’t born rich? Actually, the chief hurdle you face is something over which you have control: your own emotions.

Your emotions can lead to a variety of ill-advised investment behaviors, such as these:

-Cutting losses: Declines in the financial markets can lead some investors to try to “cut their losses” by selling investments whose price has declined. Yet, when prices have dropped, it may actually be a good time to buy investments, not sell them, especially when the investments are still fundamentally sound.

-Chasing performance: In the investment world, the flip side of “fear” is “greed.” Just as some investors are propelled by fear of loss, others are motivated by quick, big gains. They may pursue “hot” investments, only to be disappointed when the sizzle quickly fizzles. Instead of trying to “score” that one big winner, you may be better off spreading your investment dollars among a range of vehicles – stocks, bonds, government securities, certificates of deposit (CDs) and so on. While diversification can’t guarantee a profit or protect against loss, it may help reduce the impact of market volatility on your portfolio.

-Focusing on the short term: When the market is down, you might get somewhat upset when you view your monthly investment statements. But any individual statement is just a snapshot in time; if you were to chart your investment results over a period of 10, 15 or 20 years, you’d see the true picture of how your portfolio is doing – and, in all likelihood, that picture would look better than a statement or two you received during a down market. In any case, don’t overreact to short-term downturns by making hasty “buy” or “sell” decisions. Instead, stick with a long-term strategy that’s appropriate for your goals, risk tolerance and time horizon.

_Heading to the investment “sidelines”: Some people get so frustrated over market volatility that they throw up their hands and head to the investment “sidelines” until “things calm down.” And it’s certainly true that, when owning stocks, there are no guarantees; you do risk losing some, or all, of your investment. But if you jump in and out of the market to “escape“ volatility, you may take on an even bigger risk – the risk of losing some of the growth you’ll need to reach your goals. Consider this: If you had invested $10,000 in a package of stocks mimicking the S&P 500 in December 1979, your investment would have grown to more than $426,000 by December 2013. But if you had missed just the 10 best days of the market during that time, your $10,000 would only have grown to less than $206,000 – a difference of about $220,000, according to Ned Davis Research, a leading investment research organization. The bottom line? Staying invested over the long term can pay off. (Keep in mind, though, that the S&P 500 is an unmanaged index and isn’t meant to depict an actual investment. Also, as you’ve no doubt heard, past performance is not a guarantee of future results.)

Our emotions are useful in guiding us through many aspects of our lives, but when you invest, you’re better off using your head – and not your heart.

Jim Holden is a local Edward Jones Financial Advisor in Georgetown. Edward Jones, it employees and financial advisors are not estate planners and cannot provide tax or legal advice.

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