weekly choice - october 03, 2013

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Thursday, October 3, 2013

STORY

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b Heather Delong

The time has come for GuardianGals, Inc to host their 4th annualMaking Change Run/Walkevent at 9 am this coming Satur-day, October 5th, at Otsego CountyPark. Registration ends today,Thursday, October 3rd, and thisyear will feature a half marathon,10k, 5k, and 1-mile course. Thefundraiser is open to participantsof all ages.

Guardian Gals, Inc. is a non-

profit organization that seeks toactively engage, educate, and offeropportunities for young girls andwomen to learn skills, behaviors,and knowledge that are necessaryfor serving as catalysts for the cre-ation of positive societal change.Get in shape and help raise aware-ness Saturday, October 5th for thisdetermined mentoring program.

Founder and CEO of GuardianGals, Abbigail L. Hamilton, en-

Guardian Gals 4th Annual Making ChangeRun/Walk Fundraiser returning this Saturday

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SEE MAKING CHANGE PAGE 5A

Award-winning

journalist joinsWeekly Choice staff

NORTHERN MICHIGAN -Weekly Choice Publisher, DaveBaragrey, has announced the ad-dition of award-winning jour-nalist Andy Sneddon to theeditorial staff of the newspaper.

Sneddon, 46, of Alanson willbe covering sports with a focuson the schools in the northernregion of the papers large dis-tribution area, includingPetoskey, Cheboygan,Charlevoix, Inland Lakes, Pell-ston, Onaway, Alanson andMackinaw City, among others.

Sneddon is a familiar name toWeekly Choice readers and a fa-miliar face to prep sports fans.

He previously served as asportswriter at the PetoskeyNews-Review from 1999 to 2006and then as sports editor of thepaper from 2006-2012.

Im very happy to join thestaff at the Weekly Choice, hesaid on Monday. Im very famil-iar with many of the communi-ties in its coverage area,particularly Petoskey andCheboygan, and have enjoyedworking with the coaches andadministrators at those schoolsfor a long time.

Sneddon, who earned a Bache-lor of Arts Degree in journal-ism and communication fromOakland University in 1990, hasalso served as sports editor ofthe Cheboygan Daily Tribuneand the Sault Evening News andwas on the staff of the MacombDaily as a sportswriter in 1997and 98. In addition, his work

has appeared in the Detroit FreePress, the Detroit News, the Tra-verse City Record-Eagle and theMichigan High School AthleticAssociation (MHSAA) website.

The native of Ferndale, Mich.has drawn praise and commen-dation through the years for hiscolorful and creative writingstyle and his accurate reportingas well as his warm personalityand excellent relationships withcoaches, players, parents andfans. He has won more than twodozen state and national awardsduring his journalism career, in-cluding several for sports fea-ture writing and sportscolumns.

His years of service in north-ern Michigan have given Sned-don a unique insight intocommunity values as viewedthrough the prism of highschool sports.

The way communities innorthern Michigan embracetheir high school teams is some-thing to be coveted, he said. Itisnt like that in a lot of places,and were fortunate to live in an

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b Jim Akans

Here comes the AnnualGrayling Harvest Festival,sponsored by the DowntownDevelopment Authority, ahuge fall celebration heldOctober 5th and 6th inGrayling that offers lots ofexciting things to see and dofor those of every age.Events will include an An-tique Tractor Show, Paradeand Tractor Powered Dis-plays, a Farmers Market,Hay Wagon Rides, PonyRides, a Craft Show and Kids

Games, and of course - lotsof food and shopping fun inDowntown Grayling.

The Harvest Festival willtake place on Saturday andSunday from 10 am until 4pm. All day events includethe hay wagon rides, thetractor show, farmer market,pony rides, kids games andinflatables and music by Cel-ebrations. There will also beplenty of food vendors onhand, so bring your appetite!

On Saturday, an Arts andCrafts Show will be held atthe Grayling Elementary

School from 9 am to 2 pm. To

make it easy for attendees tosee the many events going onduring Harvest Festival inGrayling, a shuttle will pro-vide transportation fromdowntown to the school andback.

The Grayling Harvest Fes-tival is a great place to spendsome time with the entirefamily during an early fallweekend in the north. Formore information contactthe Grayling Visitors Bureauat 800-937-8837 or visitwww.grayling-mi.com

Graylings Harvest Festivalis a bounty of fun!

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Page 2A Weekly Choice October 3, 2013

LOCAL NEWS FROM NORTHERN MICHIGAN

b Heather Delong

This month is the time to putyour business in the spotlight!Wednesday, October 9th from 4to 7 pm at Treetops Resort, takethe opportunity to meet fellowbusiness leaders while youmarket your products and serv-ices to people throughout thecommunity. Approximately 350people attend this free annualevent that highlights area busi-nesses. The Showcase will takeplace in conjunction with theBusiness After Hours.

What you can expect at this

years Showcase is, first andforemost, networking. Appetiz-ers will be available brought toyou by the Business AfterHours Sponsor, Treetops Re-sort. You will also be providedwith a relaxed environment tolearn more about the productsand services of vendors whereyou will find giveaways, prizesand games.

The public is invited to at-tend this exciting and informa-tive event for free!

The business booth registra-tion fee this year is $350, how-ever in the future if you

register between April 1st andMay 31st your fee will be re-duced to $250. Vendor spacesfor the Business Showcase areopen to all Chamber Membersand limited to 62 booths.

To reserve your spot for yourbusiness, call (989) 732-6333 orvisit www.gaylordchamber.comand search under the EventRegistration Section.

*To contact Heather DeLong for

any comments, questions or con-

cerns, she can be reached at

[email protected].

Gaylord Business ShowcaseHits Town on October 9th Gaylord The GaylordArea Council for the Artswould like to invite thecommunity to join themfor Arts Week held thefirst full week in October.

Currently on displayat the Art Center is theJuried Fine Arts exhibitfeaturing painting, ce-ramics and jewelry bynorthern Michigan

artists.On Wednesday, Octo-

ber 9, 2013 an artfullunch will be held at theSojourn Resort. The costis $15 per person if regis-tered and paid in ad-vance at the Art Center($20 at the door). A tour

of the grounds will beprovided followed bylunch (vegetarian andmeat options are avail-able). Artists are invitedto bring their supplies towrite, paint, draw, orphotograph the beautifulsurroundings.

On Saturday, October12, 2013 from 5:00 pm to7:00 pm an reception will

be held at the Arts Cen-ter. There will be food,fun, and all the arts. Allages welcome. This is afree event.

For more informationor to register contactLisa Lindgren, Arts Co-ordinator, at 989-732-3242.

Gaylord Area Council for the Arts

Arts Week 2013


3/18

October 3, 2013 Weekly Choice Page 3A

-HIGH:-Upper-60s

LOW:-Mid-50s

ThURSDAY

-HIGH:-Upper-60s

LOW:-Mid-50s

FRIDAY

-HIGH:-Upper-60s

LOW:-Mid-40s

SATURDAY

-HIGH:-Low-50s

LOW:-Upper-30s

SUNDAY record tempsDay .......Avg. High......Avg. low .............recod High...........recod low3........ ......61F .........41F........84F (1971)......24F (1974)

4........ ......60F .........41F........82F (2005)......24F (1984)

5........ ......60F .........40F........80F (2007)......21F (1965)

6........ ......59F .........40F........81F (1963)......21F (1952)

7........ ......59F .........40F........85F (2007)......21F (1954)

8........ ......58F .........39F........85F (2007)......26F (1953)

9........ ......58F .........39F........81F (2011)......21F (1989)weather

-HIGH:-Low-60s

LOW:-Low-40s

MONDAY

-HIGH:-Upper-50s

LOW:-Low-40s

TUESDAY

Over the course of Sep-tember 25th and 26th,nearly 400 eighth gradestudents from the Vander-bilt Area School, Johan-nesburg-Lewiston MiddleSchool, St. Mary Cathe-dral School, and Gaylord

Middle School took partin an inaugural field tripto the Louis M. Groen Na-ture Preserve to learnabout natural resourcetopics such as agricul-ture, water quality, soilerosion, forestry, logginghistory, wildlife, and gasand oil. The seven 20minute workshops duringthe field trip were pre-sented by experts fromthe Michigan Departmentof Natural Resources,Michigan Department ofEnvironmental Quality,Natural Resource Conser-

vation Service, HeadWa-ters Trout Unlimited,Metcalfe Forestry, Sklar-czyk Seed Farm, andCharlton Township Su-pervisor and avid studentof Johannesburg history,Matthew Nowak.

Coordinated by OtsegoConservation District(OCD) Administrator, Pa-tricia Osburn, with thehelp of Huron PinesAmeriCorps Member,Justin Burchett, the cre-ation of this new opportu-nity for eighth graders inOtsego County wasbrought about through

the initiative of DonSklarczyk. A long-timefriend of Mr. Groen, Donwanted to bring to life Mr.Groens vision of utiliz-ing the recently donated764-acre parcel located inJohannesburg to teachthe next generation aboutconservation and the en-vironment. With fundingmade available SmileThrough The Miles andthe Otsego WildlifeLegacy Society (OWLS),the field trip was able totake place without requir-

ing any financial inputfrom participatingschools.

The OCD would like tothank Don Sklarczyk,Smile Through The Miles,the OWLS, the OtsegoCounty Parks & Recre-ation Department, theLouis M. Groen NaturePreserve and the GroenFamily, the countless vol-unteers and wonderfulpresenters, and all theschools that participatedfor making this event ahuge success! They hope

to make the trip an an-nual event for all 8thgraders in Otsego Countyfor years to come.

Additional pictures ofthe field trip can be foundby visiting www.face-book.com/otsegocd.

Justin Burchett is aHuron Pines AmeriCorpsmember serving at the Ot-

sego Conservation Dis-trict and the Louis M.Groen Nature Preserve asEducation Coordinator.Justin can be contactedby calling (989) 732-4021 oremailing [email protected].

Huron Pines Ameri-Corps is a program ofHuron Pines and is sup-ported in part by the Cor-

poration for National andCommunity Service,Michigan CommunityService Commission,Huron Pines and contri-butions from host sites.Huron Pines is a non-profit 501(c)3 organizationand an equal opportunityprovider.

Otsego County Students Explore the Great Outdoors8th Graders take a eld trip to Louis M. Groen Nature Preserve

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Who owns CrawfordCounty? Thousands ofpeople have a piece of it,

and they are listed in thenew plat book publishedby the Crawford-Roscom-mon Conservation Dis-trict with MappingSolutions. The 2013 bookis available for purchaseat the Crawford CountyRegister of Deeds office,Skips Sport Shop, SouthBranch Township or theConservation District Of-fice, 500 Lake Street inRoscommon. For moreinformation contact theoffice at (989) 275-3163.

New this year are aer-ial view maps oppositethe landownership mappages. The 74 page spiralbound book featurestownship and rangemaps of CrawfordCounty. These maps in-clude the propertyboundaries for all ruralparcels within the town-

ship, the name of theowner and the number ofacres owned. Also, there

is a handy landownerindex for easy cross ref-erencing. Due to thelarge number and smalllot sizes, the book doesnot include those maps oflandowners within Craw-ford County towns, vil-lages and cities. Thatinformation is availableto the public through theCrawford County Court-house.

The book also serves asa Recreation Guide as ithas maps of hiking andbiking trails, snowmobileand off road vehicletrails, campgrounds, andthe Mason Tract path-way. There is additionaldata about recreationproperties and facilitiesin Crawford County in-cluding public water ac-cess sites and boatingand fishing access sites.

Information about theCrawford-RoscommonConservation District

and the County Govern-ment is included in thebook. A School DistrictMap, a General HighwayMap and Municipal Mapsfor Frederic, Graylingand Lovells are found inthe new edition. An ex-planation of the publicland survey system is anadded bonus.

This information isvaluable to anyone with aneed to know who ownsland in Crawford County.Prospective or adjoiningproperty owners,hunters, foresters, tim-ber and petroleum indus-try personnel, emergencyservices and many otherswould be interested inhaving a copy.

Crawford County PlatBook available


4/18


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Extreme Power Sports

2572 S. Otsego Avenue

Gaylord, MI 49735

b yvonne Stega

Mio - A few months ago, inMay, Roxanne Striggow openedthe doors to her amazing busi-ness. There were several rea-sons Roxanne decided to openAmish Country Natural prod-ucts. First off, she wanted achance to help local familiestake better care of their bodieswith organic and natural foods,and personal products. Work-ing in the nursing industry foryear, Roxanne saw that manypeople either werent aware ofthe importance of eating right,or that they didnt have the op-tion to change. Through herstore she is able to bring manygreat organic, vegetarian and

gluten free product that cantgenerally be found in this smalltown area. Her store allowspeople to live more sustainablyin their own county and hometown area, instead of the needto drive to a bigger city forthese types of items.

Not only does the store carrypacked foods, but you will alsofind many bulk items, as wellas fresh seasonal produce. Ifyou are looking for healthy al-ternatives to grocery storemilk, you will find that heretoo. Roxanne caries milk andyogurt from Shetler FamilyDairy located in Kalkaska. But

healthy food isnt all that youllfind in this beautiful store.

In an effort to help out thelocal creative community mem-bers that have no year roundoutlet to have their creativitydisplayed and sold, Roxanneopened her store up to consign-ment for local artists andcrafters. Now creative folksdont have to wait until warmweather when the craft showsstart in order to sell the itemsthat they put their hearts andsouls into.

You can find a little bit of

everything at Amish CountryNatural Products. When you

walk in the door you will beamazed. There are paintings,sketches, framed photographs,and note cards. There are beau-tiful pottery items and woodcrafted items. You will find nat-ural soaps, bath salts and otherbody care items. There arebooks, pillows, wonderfulquilts, candles, and other homeitems. For the women, theycarry handmade jewelry and

purses, too.Roxannes goal for the store

is, and has always been, to sellproducts made in America,with a greater focus on Michi-gan, and specifically, OscodaCounty. Come on in and sup-port this amazing venture.Amish Country Natural Prod-ucts is located at 1454 N MtTom Road, in Mio. The storeshours are Tuesday through Fri-day 10 am to 6 pm, and Satur-day 10 am to 5 pm.

Local Arts and Healthy Living at Amish Country Natural Products

LetTom Kuch

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for your home.

Simonton VinylReplacement Windows

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SUNDAY SERVICES 10:30 AM

Joy FellowshipAssembly of God

8600 S. Straits Hwy.Located between Indian River and Wolverine.

Sunday - Coffee Hour 9 AMService - 10 AM including services for children

Wednesday - 6 PM231-525-8510 Pastor Bob Moody

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Sunday School 10:00 Morning Worship 11:00Evening Service 6:00 Wednesday 6:00

Alpine Village Baptist Church158 N. Townline Rd., Gaylord 989-732-4602

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989-370-7303 1349 S. Otsego, Gaylord

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Daily WordThursday

Proverbs 25:21-24 New American Standard Bible (NASB)21 If your enemy is hungry, give him food to eat; And if he is thirsty, give him

water to drink; 22 For you will heap burning coals on his head, And the Lord willreward you. 23 The north wind brings forth rain, And a backbiting tongue, anangry countenance. 24 It is better to live in a corner of the roof Than in a houseshared with a contentious woman.

Friday

Romans 12:14-15 ew American Standard Bible (NASB)14 Bless those who persecute you; bless and do not curse. 15 Rejoice with those who

rejoice, and weep with those who weep.

saTurday

Matthew 5:44-45 New American Standard Bible (NASB)44 But I say to you, love your enemies and pray for those who persecute you, 45 so

that you may be sons of your Father who is in heaven; for He causes His sun torise on the evil and the good, and sends rain on the righteous and the unright-eous.

sunday

Luke 6:28 New American Standard Bible (NASB)28 bless those who curse you, pray for those who mistreat you.

Monday

1 Corinthians 4:12-14 New American Standard Bible (NASB)12 and we toil, working with our own hands; when we are reviled, we bless; when

we are persecuted, we endure; 13 when we are slandered, we try to conciliate; wehave become as the scum of the world, the dregs of all things, even until now.

14 I do not write these things to shame you, but to admonish you as my belovedchildren

Tuesday

Acts 7:57-60 New American Standard Bible (NASB)57 But they cried out with a loud voice, and covered their ears and rushed at him

with one impulse. 58 When they had driven him out of the city, they began ston-ing him; and the witnesses laid aside their robes at the feet of a young mannamed Saul. 59 They went on stoning Stephen as he called on the Lord and said,Lord Jesus, receive my spirit! 60 Then falling on his knees, he cried out with aloud voice, Lord, do not hold this sin against them! Having said this, he fellasleep.

Weds

Romans 12:20-21 New American Standard Bible (NASB)20 But if your enemy is hungry, feed him, and if he is thirsty, give him a drink; for

in so doing you will heap burning coals on his head. 21 Do not be overcome byevil, but overcome evil with good.

Feeling persecuted by others is a

terrible feeling. Most adults can say

that at one time or another someone

has persecuted them. It may havehappened in school, or at work, or

from a family member. When you

feel persecuted you can build up re-

sentment and hatred against them

and most people do. God does not

want you to have those emotions

cloud your relationship with Him

and others. A good definition of

bless is to empower others to suc-

ceed. That certainly goes against

the grain of what you would like to

do to those who have persecuted

you. By being a blessing to them it

can set you free from your hurt and

release your persecutors to be

changed. To bless others certainly

would include prayers asking God to

forgive you for the way you feel and

asking God to forgive them and bless

them. In the book of Luke chapter 6

verse 38 it says, Bless those who

curse you, and pray for those whomistreat you. Praying for God to

bless those who persecute you will

release you from the hurt you feel. I

spiritually direct people to pray

blessing upon them every time you

think about what they have done to

you. For some that can mean many

times a day. Within a short period of

time you will feel released from the

hurt.

It can also mean to empower them

to succeed in what you say to others

about them.

To help them when you sense they

need help. If it has to do with an em-

ployer or boss it can mean doing

everything you can do to make them

look good.

Thoughts on...How do you bless thosewho persecute you??

How do you bless thosewho persecute you??

Pastors PersPective

Pastor Steve

ScheerLf chuh Gyld

Most often I pray for them. An example

is if I was driving my car someone would

cut me off I would pray for them becausethey are lousy drivers.

Scott Hickman Petoskey

You have to forgive them first and pray for

God to bless them. If you see them all thetime be nice to them. That's what the

word says. You have to forgive first if you

don't, you can't be a blessing to them.

Shirley Lemon Topinabee

Kill them with kindness. Don't let their

negativity bother you. If you are kind tothem maybe they will see the error of

their ways.

Olivia Avery Petoskey

You put your feelings aside and try to be

nice to them in a way that is right andhelps you as well as them.

Ben Smith Levering


7/18

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Tee Lake Halloween offersTWO unique treats for Hal-loween fans. First, the Drive-Thru Haunt is a FREE, fam-ily-friendly, self-guided, mu-sical tour through haunted

displays. Dates: Nightly. Sept27 Nov 2. Time: Dusk 10pm. Cost: FREE. Second,Terror at Tee Lake is a scarywalk-through hauntedhouse. Dates: Oct 19, 25, 26& Nov 1. Time: 7-10pm. Cost:$5. Both events are locatedat Tee Lake Resort, 3987 TeeLake Road, Lewiston, MI49756. For more info visit:www.TerrorAtTeeLake.com

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Saturdays, Sept. 28, Oct. 5& 12 - 5th Annual BreezewayFall Color Cruises. Cruisethe Breezeway at your ownpace stopping along the wayto enjoy the fall colors,farms, shopping, restaurantsand activities.

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Oct. 6, Onaway VFW Post5857 hosting Sunday morn-ing breakfast. Public wel-come 7am-noon

Oct. 13, Onaway VFW Post5857 Hosting Sunday morn-ing breakfast. Public wel-come 7am-noon

Oct. 20, Onaway VFW Post5857 Hosting Sunday morn-ing breakfast. Public wel-come. 7am-noon

Oct. 27 , OnawayVFW Post 5857 Hosting Sun-day morning breakfast. Pub-lic welcome. 7am-noon

LeWisTOnSpac avaa a caf sh

There are spaces availablefor crafters for the annualChristmas in October BazaarSaturday October 19, 9:30 am

3:30 pm at Lewiston Ele-mentary School. Craftersmay call MontmorencyCounty Habitat for Human-ity, 989-786-3385 for furtherinformation and a registra-tion form.

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The 5th Annual Miss Prideof the Peninsulas pageantwill be held on Saturday, Oc-tober 19 at the Joseph StripeAuditorium in GraylingHigh School. Deadline forcontestants paperwork,headshots, and entry fee isOctober 5. To learn moreabout competing or for moreinformation about the schol-arship program, you can findthem online at www.mis-sprideofthepeninsulas.wee-bly.com or on Facebook. Youcan also email Jill [email protected].

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T.O.P,S. Annual Craft andGarage Sale October 5, 9am- 3pm. Mio Community Cen-ter, 305 E. 9th St. Homemadepie and coffee will be avail-able, Bake Sale and Raffles

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Thursday outdoor marketin the Grayling City Park(Pavilion) from 11am-6pm &will run every Saturday (ex-cept for the Saturday of Riv-er Festival) on the downtown

Grayling sidewalks (Court-house end) through the firstfull weekend in October end-ing up with the annual Har-vest Festival. AcceptingBridge Card, Project Fresh,and WIC. Interested vendorscontact Beth Hubbard at(989) 619-3539 or via emailat [email protected] to reserveyour vendor space today tobecome a part of Graylingsgrowing farm market.

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Inviting all orchestralstringed instrument players

to join in rehearsals for thenewly formed GaylordStrings. Minimum highschool level skill required.Rehearsing second & fourthMondays each month at 7pm at the Gaylord Commu-nity Arts Center, 125 E. MainSt. Call Gary Waldo at 989-

619-3136 for more informa-tion.

WOLVerineSupp gup

Are you struggling withissues of psychological oremotional difficulties? Re-

covery International hastools to help. Free. Thursday,10am, Wolverine Senior Cen-ter. 6270 Wolverine St. Sue,231-881-3887.

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We love to run communityannouncements and newsreleases about all the thingshappening in NorthernMichigan in the WeeklyChoice. We help publicizehundreds of events and ac-tivities all across our area.Readers love the fact thatthe Weekly Choice is dis-tributed free to hundreds of

locations. However, it is ex-pensive to publish this news-paper each week filled withpositive news and sports.Our only source of revenuecomes from advertising. Ifyour business or organiza-tion has an advertising budg-et, be sure to include theWeekly Choice in your plans.Our advertising rates arefar less than most other pa-pers and your message willreach readers all acrossNorthern Michigan. TheWeekly Choice is distributedfree of charge on newsstandsto 40 towns including Gay-lord, Petoskey, Cheboygan,Grayling, Indian River, On-away, Mio, Lewiston,

Mancelona and all surround-ing towns. Contact us at [email protected] orcall 989-732-8160.

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Practice reading to hu-manitys best friend in ourPAWS Program! All of ourdogs are certified therapydogs. 15 minute appoint-ments are recommended.Stop by the Youth ServicesDesk or by call 231-758-3112.Dogs are available on TheSecond and Fourth Thurs-day of the month from 5-7:00 pm in the ChildrensRoom. Third Thursday of

the month from 3:30-5:00 pmin the Childrens Room.

.

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Farmers Market hosted atCitizens National Bankevery Wednesday & Satur-day.

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Weekly on Wednesday atWalgreens Parking Lot, 991South Main Street

CHeBOYGanWeekly on Saturday at

Cheboygan City Hall Park-ing Lot -or- Festival Square,403 North Huron Street

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Farmers Markets UnderPavilion on Court 8am 1pm. Now open Wednesdaysand SaturdaysMichiganfarm producers sell freshfruits and vegetables, bakedgoods, herbs, and much moreunder the Pavilion On Court.Ample parking is available.

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Classes will be held the1st Friday of every monthat 11am at Resurrection LifeCenter, 2640 West M-72 NewLife Pregnancy Center willbe partnering with Resur-rection Life Center ofGrayling to offer a new serv-ice to many in our commu-nity. Young moms havingtheir first child can come

join us & earn the itemsneeded for your baby! Pleasecall 989-732-1626 to inquireor to make reservations.Space is limited and mustbe reserved to attend.

rOsCOMMOnrm ah

Eight seminars are beingoffered to provide informa-

tion about savings strategies,investing and retirementplanning. The seminars areinformational-only and areheld Thursday evenings be-ginning Oct. 3 from 6pm to7:30pm at the C.R.A.F. Centerin Roscommon. There is afee of $10 for each seminar.

All proceeds are being do-nated to the Kirtland Com-munity College Foundation,to support the ever changingneeds of Roscommon Coun-ty, including financial liter-acy programs. Family dis-counts are available, but seat-ing is limited and is filled

on a first-come, first-servedbasis. To register, or for moreinformation, please call Tom-lyn Advisors at: (989) 745-5535

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Tuesday Evenings (Octo-ber 1st November 19th)from 6pm 7:30pm atGrayling Elementary School- Across the world, peopleare being asked to assumemore responsibility for theirfinancial well-being. Nolonger is the popularity ofpensions to be relied uponfor your retirement. Pen-

sions have largely been re-placed by 401(k) plans andother types of employer-sponsored retirement plans.Individuals must now knownot only how much to savefor retirement, but also howto invest, and how to managetheir retirement wealth. Inorder to help those interestedin managing their invest-ments and retirementwealth, this fall Tomlyn Ad-visors is sponsoring a seriesof eight (8) Financial Liter-acy / Personal Finance Sem-inars. They are being heldin Crawford, Otsego andRoscommon Counties. Wehope to see you at an up-coming seminar. Contact

Tom Ruden at 989-745-5535with any questions.

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Eight seminars are beingoffered to provide informa-tion about savings strategies,investing and retirementplanning. The seminars areinformational-only and areheld Saturday morningsfrom 10am to Noon at theUniversity Center in Gay-lord. There is a fee of $10for each seminar. All pro-ceeds are being donated tothe Otsego County Commu-nity Foundation, to supportthe ever changing needs of

Otsego County, including fi-nancial literacy programs.Family discounts are avail-able, but seating is limitedand is filled on a first-come,first-served basis. To register,or for more information,please call Tomlyn Advisorsat: (989) 745-5535

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The educational breakfastwill be held at the UniversityCenter, in Room 111-112, at9am on Thursday, Oct. 3. Asuggested donation of $5 iscollected at the door. Thismonthly breakfast is spon-

sored by OCCOA. The topicthis month is Smart MoneyMoves in Retirement, pre-sented by Phillip W. Hofwe-ber of the Edward Jones In-vestments. Please makereservations by callingMichelle Dunkelberg, OC-COA Special Events coordi-nator, at 989-748-4068. Youmay also contact Michellevia e-mail at [email protected]

BOYne FaLLsw Ca raff

Boyne Eta Nu Charitiespresents a Wine Cellar Raffle& Silent Auction Oct. 3,5:30pm - 7:30pm. Heres your

chance to win a fabulous col-lection of wines, several cel-lars of fine wines will beraffled off for your enjoy-ment. All proceeds to benefitBoyne Area Free Clinic andGirls Get Fit program. Lightappetizers & cash bar. $20per person or $40 per coupleplus 1 bottle of wine with aretail value of $15. Guestwill receive 10 raffle ticketsat the door. Additional raffletickets may be purchased atthe event.

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Friday, October 4th (Class-es will be held the 1st Fridayof every month) at 11am atResurrection Life Center inGrayling New PregnancyCenter will be partnering

with Resurrection Life Cen-ter of Grayling to offer anew service to many in ourcommunity. Young momshaving their first child cancome join us & earn theitems needed for your baby!Please call 989-732-1626 to in-quire or to make reserva-tions. Space is limited andmust be reserved to attend.

PeTOsKeYD Shppg Scam

The Best Girlfriend DayEver! If you love to shop,then gather some friends forthe annual DowntownPetoskey Shopping ScrambleOct. 5! Modeled after a golf

outing, the Shopping Scram-ble allows your group tospend a day shopping, din-ing, and enjoying the ameni-ties without worrying aboutsand traps or water hazards!Competitors will test theirskills on the pristine shop-ping course of DowntownPetoskey. October 5 shoppersgather in the morning to en-

joy cof fee and break fasttreats, then head out to shop18 holes in DowntownPetoskey. In between, shop-pers will enjoy an elegantlunch and a fashion show.The day ends at the 19thHole Party with great foodand prizes. Participants areasked to put together teams

and enjoy a day of shoppingin Downtown Petoskey. Tick-ets for the event are $40 foreach player and include abreakfast of coffee and pas-tries at the event kick-offfestivities at Staffords PerryHotel. Lunch at WhitecapsGrille with a fashion showpresented by area mer-chants. 19th Hole Celebra-tion with hors doeuvres andrefreshments at PaletteBistro. In addition, eachShopping Scramble partici-pant will receive a gift bagfilled with donations fromarea merchants and a chanceto win several grand prizesand many more door prizesand awards. Dozens of busi-

nesses in DowntownPetoskey will be offering spe-cial promotions exclusivelyto Shopping Scramble par-ticipants, including hole inone discounts or a percent-age off purchases made thatday. Registration and ticketsare available at the PetoskeyDowntown Offices, 216 ParkAvenue. For more informa-tion call 231-622-8501. TheDowntown Petoskey Shop-ping Scramble is sponsoredby the Downtown Manage-ment Board.

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Friday, October 4th (Class-

es will be held the 1st Fridayof every month) at 11am atResurrection Life Center inGrayling New PregnancyCenter will be partneringwith Resurrection Life Cen-ter of Grayling to offer anew service to many in ourcommunity. Young momshaving their first child can

come join us & earn theitems needed for your baby!Please call 989-732-1626 to in-quire or to make reserva-tions. Space is limited andmust be reserved to attend.

CHeBOYGanrv ra ru

October 5, 9am at Wash-ington Park, 124 North MainSt. Choose from a 5K FunRun or a 1 Mile Walk/Run.At every kilometer (or 1/4mile for the Mile walk/run)you will be showered withcolored powder. There willbe a grand finale colorthrow at the finish line partyalong with music, conces-sions, and activities for thekiddos! All proceeds fromthe race will go to help theCheboygan Kiwanis pur-chase wheel-chair accessibleswings for our community!

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The 2013 Grayling Promo-tional Association will beholding its Juried Arts &Crafts Show on October 5that the Grayling ElementarySchool from 10am-4pm. $1admission. There will belunch available also.

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Rivertown Rumble 23 CageFights October 5, 6:30pm 11pm. Mixed martial arts,kick boxing, submissionwrestling at Cheboygan Ea-gles Hall, 626 North MainStreet

COMinst Sa

Fall Tree Sale & Stumpjumper event Oct. 5. FreeAdmission-Skyline EventCenter(formerly MichiganMagazine) 9am - 1pm Work-shops, Free Water Testing,Autumn Olive Control Info,Demonstrations, Vendors,Door Prizes. For more infocall Donnita, 989-826-8824

HarBOr sPrinGsPsva Sa opHus

At Harbor SpringsFarmers Market. October 5from 9am- 1pm, Main & State

St. Join us for a food preser-vation open house! Preser-vation Station is an enclosedtrailer that unpacks into ahigh-efficiency, three-seasonfood preservation kitchenand workshop space. Thislightweight trailer can bepulled onto any of hundredsof small farms and back-

yards at the peak of produceripeness. Come check outthe trailer, learn key safetytips for home canning, andhear how you can host thetrailer for your very owncanning p arty. ISLANDsown Jen Schaap, whole foodscook and educator, will sam-

ple and give key points aboutthe health benefits of fer-mented foods. For more in-formation call (231) 622-5252or email [email protected]. Free. This eventis a partnership of ISLAND,the Harbor Springs FarmersMarket, and the NorthernMichigan Small Farm Con-ference. Preservation Stationwas made possible throughan Oryana CommunityGrant, awarded in April.

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Oct. 5 at Skyline EventCenter. Pumpkin roll, pump-kin baked goods, hay ride

to pumpkin patch, pick yourown pumpkin, Music, artsand crafts. Call 989-826-3331for info

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Oct. 5 TOPS Craft Showand Bake Sale-Mio Commu-nity Center -9:00am-4:00pm-contact Shirley Wrubel, 989-826-5284 or Marilyn Schultz989-848-5284 for more details

CHarLeVOiXM Mchga

The Charlevoix Circle ofArts and the Charlevoix Pho-tography Club present My

Michigan photography ex-hibition. The photos will beon display until Oct. 6. Pho-tography is focused on thebeauty of our state. The Cir-cle of Arts is located at 109Clinton St.

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Sunday, October 6th from3 5 pm at Oscoda CountyFairgrounds. Join the walkto benefit the families of Os-coda County through thebaby pantry, parenting re-sources and Birth of a Fam-ily program. There will begames for the kids and prizesfor the one with the most

donations. You can find moreinformation and sign up atwww.hislovemio.org andclick on the Walk logo at thetop of the page. Proceedsbenefit His Love Family Re-sources, 203 S Morenci


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Lovells, Luzerne, Mackinaw City, Mancelona, Mio, Oden, Onaway, Pellston,

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SALES:Phone: 989-732-8160

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Trees Down in Your Yard? Call Shawn Thomas Today

NEWS IN BRIEFNw stois updtd dily on-lin t www.wklychoic.com

RIVERVIEWOUTDOORFURNACES(989) 344-0995

Grayling, MIwww.RiverviewOutdoorFurances.com

FINANCINGAVAILABLE!

100% thermostaticallycontrolled heat.

There is no safer, moreefficient way to heatwith wood.

Heat entire home,multiple buildings,pools, hot tubs and

domestic water.

SEE YA, SO LONG,FAREWELL.

However you say it, its

goodbye to heating bills.

CONTINUED ON PAGE 8A


8/18


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Deadline to sign up forGaylord area Mens HockeyLeague is Oct. 6. Registrationforms are available at theOtsego County Sportsplex(1250 Gornick Ave.), on thewall, outside the Pro Shopentrance. Play is expectedto begin the week of OCTO-BER 13th (Sunday). Therewill be no games scheduledon Thursday November 14th(deer hunting) and Thursday28th (thanksgiving). We planto play a total of approxi-mately 16 games per team.Depending upon the numberof teams, each team willhave two games per week:one game on Sunday nightand a second game duringthe week. Games will con-sist of three 20-minute peri-ods. Shortly after the teamsare picked, the Team Repre-sentatives will contact play-ers to provide a game sched-ule. For more information

on the League Rules of Play,please contact: Stan Pelto,League President, at 231-340-0554 (cell) or [email protected]

CHeBOYGanAqu Appasa

Joseph McGehee fromJosephs World in Petoskeywill be appraising antiquesat the Cheboygan Area Pub-lic Library. This will be afundraiser for the library,cost is $10 per item to be ap-praised, limit of three itemsper person. Great way tofind the value for your treas-ured items! Antique Apprais-al Fundraiser October 6,

Noon 5pm at the Library,100 South Bailey St. Cost $10per item.

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The Otsego County Com-mission on Aging (OCCOA)is proud to announce a Tran-sitions in Life meeting todiscuss Medicare Part DUpdates. The meeting willbe held on Monday, October7 at 6pm in the Dining Roomof the Alpine Alten-ZimmerApartments, 120 GrandviewBlvd. Guest Speakers willbe Sarah Skowronski, OC-COA KMG Service Coordi-nator, Advocacy/MMAP

Counselor and John Panci,OCCOA Advocacy AssistantCoordinator/MMAP Coun-selor. Make your reserva-tions to attend the free meet-ing by calling the AdvocacyDepartment at 989-732-9977.Refreshments will be served.

If you have any further ques-tions, please contact the Ad-vocacy Department at 989-732-9977.

CHeBOYGanAuds

Missoula Childrens The-ater presents A Secret Gar-den (AUDITIONS) Oct. 7, 4-6pm at Cheboygan OperaHouse, 403 North Huron St.

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Knights of Columbus AllYou Can Eat Breakfast. Oct.7, 8am - Noon at The Crossin the Woods Family Center.Breakfast includes: Pan-cakes, sausage, ham, hashbrowns, eggs, toast, fruit, or-ange juice, coffee, tea andmilk. Adults $7.00 Childrenunder 12 $2.00

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mg mThe Grayling American

Legion Auxiliary #106 willnow be meeting at 6pm onthe 2nd Wednesday of eachmonth at the post home.Daytime meetings may re-sume in the spring of theyear. If you are in need of aride, or would like more in-formation, please call PresidentKarri Vinton @989-344-6811.

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The 2013 Business Show-case will be held in conjunc-tion with a Business AfterHours on Wednesday, Octo-ber 9th at Treetops Resort

from 4-7pm. Free admission.

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Alzheimers Discussion &Information Group Oct. 10.Cheboygan Senior Center,1531 Sand Rd, Cheboygan.2-3pm.

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Thursday, October 10th at6pm at the Grayling SeniorCenter. Remember theKitchen band? This eventwill bring back those mem-ories with an added twist.

The Bluegrass OrphanageFeaturing Scott Barnumplays some very unique in-struments. Besides Scott onBanjo, the group uses thewashboard, washtubs andspoons to name a few. Theymake music with most any

object and everywhere theygo. Their passion is foundin playing bluegrass, lettingthe chords and lyrics sinkinto their soul. There willbe no charge or registrationfor this free event, but do-nations are appreciated. Formore information call (989)348-7123.

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Saturday, October 12. 9am 3pm. At Mio CommunityCenter, 309 Ninth St. Mio. (2blocks behind Mio Rite-Aid).Admission is $5 per person.12 years and under free whenaccompanied by adult. CallBud at 989-335-3195 for in-formation or to reserve atable, $25 per table. All local,state and Federal laws ap-ply.

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The VFW is hosting a

Swiss steak dinner Oct. 12,4:30 - 7:30pm at the VFW hallon veterans Dr.. Cost is $9,children under 12, $7. Takeout are available. This is amonthly event on the 2ndSaturday of the month.

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7th Annual Eagle FestivalOct. 11 & 12, Fairview AreaSchools. Parade, car show,craft show, pancake break-fast and BBQ chicken dinner,chili cook-off and apple piebake-off, childrens gamesand more. Call 989-848-7054for additional informationand to volunteer

ManCeLOnaCc

Not Ashamed. Concertwill be held at 7pm on Oct.12 at Mancelona Church ofthe Nazarene, 119 E Main

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4 weekends of October(Fridays & Saturdays) fromdark (approx. 7pm) until11pm at 1316 Stephan BridgeRd off M-72 East in Grayling

Come and join the fun withus on our haunted trail walk!If you are faint of heart,have high blood pressure or

just plain chicken, you maywant to stay at home! Guar-anteed to scare the unscare-able! Admission is $5/person(adults & kids). Proceeds willbe donated to local charities.Call 989-390-6241 or visitforestoffeargrayling.webs.com for further details.

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Ladies Auxiliary Knightsof Columbus Swiss SteakDinner. Oct. 12, 4:30-7pm

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Oct. 12 SARM Yard Sale

9am 3pm, at The Churchof the Straits. Fall Food Festand Garage Sale. Early BirdAdmission at 8:00 am is $1.Join us for fun, food andtreasure hunting. Onemans junk is another manstreasure. Lunch will beavailable hot dogs, chips,drinks, desserts (pie in acup!!!) Silent auction itemsuntil 2:00 pm. All profitsbenefit the 2014 mission trip.Now accepting donations forthe garage sale you candrop off your donations atthe church office, M F be-tween 10:00am 2:00pm, orcall Kristi Laninga at 537-0353. Please nocomputers/components,

clothing, mattresses, analogTVs, or luggage.

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The amazing Jim Dreyerwill be joining Habitat forHumanity October 12 from8-10 a.m. at the Otsego Coun-ty Sportsplex for a motiva-tional program followed bya swim clinic. Hear his in-spiring stories, then get intothe pool with Jim for valu-able training strategies.Your $20 registration in-cludes an autographed T-shirt, a healthy snack andbenefits Otsego County Habi-tat for Humanity. Act now,space is limited! Register atwww.facebook.com/swim2013 or at the door, day of.

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Saturday, Oct 12th from9:00am-3:30pm at St. MarysParish in Grayling. Pleasestop in to visit us and checkout our annual parish

bazaar. Call 989-348-7657 fordetails.

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Saturday, October 12th at7pm at Kirtland Center forthe Performing Arts, Three-time Grammy-nominatedTiempo Libre is one of thehottest young musical en-sembles today! Classicallytrained at Cubas premierconservatories, the men ofTiempo Libre are the trueheirs to the rich musical tra-dition of their native land.Their sophisticated perform-ances of infectiously rhyth-mic timba music are an ir-

resistible, dance-inducingmix of Latin jazz by brass,piano, pipes, strings and per-cussion. Tiempo Libre hasappeared on the Tonight Show,Live from Lincoln Center, andDancing with the Stars, aswell as performing worldwideat prestigious venues such asTanglewood, New OrleansJazz & Heritage Festival, ThePlayboy Jazz Festival at theHollywood Bowl, and Jazz atLincoln Center. To purchasetickets call 989-275-6777 or visitwww.kirtlandcenter.com/tiempo-libre.

GraYLinGtx Dsg wkshp a AAV

Saturday, October 12thfrom 1-3pm at the AAVGallery for children ages6-12. Cost: $10 class + $10materials fee. Bring yourown 100% cotton t-shirt(light colors work best). Pre-registration w/ materials feerequired. Stop into thegallery or call 989-275-5000,Ext. 279 to sign up.

GraYLinGCs h Mgh

Saturday, October 12thfrom 5- 8:30pm at HartwickPines State Park - A fun,non-scary, educational pro-gram for children. Startingat the Visitor Center, chil-

dren will do make and takecritters crafts and follow thepumpkin lit trail to interactwith our critters. Costumesare encouraged! For moreinformation call 989-348-2537and ask for Thing 1 or Thing2. A park sticker is requiredto enter the park.

WaLLOOn LaKeCamp Dagg Fa Fsva

The Fall Festival is backat beautiful Camp Daggetton Walloon Lake, Sunday,October 13 from Noon to5pm. Fall is the perfect timeto visit Camp Daggett. Thefall colors surrounding Wal-loon Lake are beautiful, and

families can enjoy outdooractivities then return to the

main lodge to warm up bythe fireplace. Open to thepublic, this event offers newvisitors a chance to see theCamp in its fall glory, andformer campers a chance toshare their stories. There isa $5 per car/truck entrancefee. Directions are availableat www.campdaggett.org.

For more information, call231-347-9742.

rOsCOMMOnback d g

The Knights of Columbuswill sponsor another BackDoor Boogie at their Halllocated at 165 West FederalHwy. on Sunday October 13thbeginning at 4pm. playingtill 8pm. The proceeds fromthese events will help localfood pantries with muchneeded supplies for the up-coming Holidays. There willbe Food and Beverages avail-able at a nominal charge,and free admission. Hostedby Allen Bondar of Dharma

Records (Grayling) and fea-turing Diane Chamberlin onvocals and many talentedmusicians and entertainersboth of local origin and fromout of town, this eventplayed to a sell-out crowd inSeptember. Come early toget a good seat, and see whatall the excitement is about.Cash Donations will begreatly appreciated. Helpfeed our hungry neighbors,and have a great time in theprocess.

GraYLinGb-A-th

Sunday, October 13th atGrayling American Legion

Lanes - Registration 12:30pm,bowling at 1:00pm. Must reg-ister by Oct. 5th - signupsheets and sponsor sheetsat the club. Cost is $12/per-son (includes shoes). ContactMarsha Kroell or Linda Rut-ter for any other informa-tion.

GaYLOrdCafs ad

The New Life PregnancyCenter is hosting Craft Showon Saturday, November 16that the Evangelical FreeChurch from 9-3 and we arestill looking for Crafters.

CHarLeVOiXApp FsExperience the magic of

autumn in Northern Michi-gan at the AnnualCharlevoix Apple Fest takingplace on Friday, Saturday &Sunday, October 11 - 13. This3-day event, sponsored bythe Charlevoix Area Cham-ber of Commerce, is heldyearly to honor local or-chards and growers who, inthe spirit of the season, lineBridge Street to bring thefall harvest to you. The fes-tivals focal point is the apple,proven to be the most popu-lar fruit in North AmericaNorthern Michigans cooltemperatures are said to pro-

duce tastier and more col-orful fruit than those grownin warmer climates. Morethan 30 types of apples willbe on hand as well as otherfall harvest items such aspumpkins, squash, jam, hon-ey, maple syrup, pies andcider. Still hungry? Local or-

ganizations will warm youup with hot food items suchas chili, hot dogs, apple flap-pers, kielbasa, French friesand more. Activities includea holiday art & craft showwith 125 exhibitor booths,face painting, pony rides,petting zoo and pumpkincarving contest display. Dont

forget to stop at the Chamberbooth and pick up your Ap-ple Fest t-shirt. Adult sizesavailable at $20 each. Bundleup and bring the family toour fall harvest bonanza!Join the festivities and showyour support for our or-chards, farmers and organ-izations while celebratingthe season in scenic down-town Charlevoix this Octo-ber. The Harvest is in! Festi-val hours are Friday & Sat-urday 10am to 6pm, Sunday10am to 4pm.

FairVieWladshp ruda

Oct. 15, 7:30 a.m. - Fairview

Coffee Shop - for more infocall 989-826-5777

CHeBOYGanFa Fash Sh

The Friends of the Li-brary will host their annualFall Fashion Show on Tues-day, October 15th. Local mer-chants will be participatingwith current fall fashionsand accessories. No fees willbe charged for admission,donations to the Friends arealways welcome. Fashionshow starts at 7pm in thelower level of the library.

CHeBOYGanS exp

October 17, 9am - 1pm atthe K of C Hall.

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Oct 17 at 5:30pm at theCrawford County Court-house. Additional dates inGrayling: Dec 19 & Feb 20,2014. Come as you are; joinus at any stage of divorce.Questions, call Legal Aid ofNorthern Michigan at 989-705-1067. Sponsored by the46th Judicial Circuit Bar As-sociation, Northern Michi-gan Legal Services, Inc. andCommunity Mediation Serv-ices

PeTOsKeYFam Fam

2nd Annual Farm toFrame Juried PhotographyExhibition October 18 - De-cember 16. Farm to Frame:Good Food, Good Neighborsfocuses on promotinggreater awareness of thebenefits of local farming andlocally-grown food. This ju-ried exhibition showcasesthe beauty of small farmsand local food through threedifferent categories of entry:- local food production(from the farm) - local foodsales (from the market) -local food preparation (from

the table)

GaYLOrdCafs M

The Daughters of Isabella2013 Crafts n More Showwill be held at St. MarysCathedral Hall, 606 N. OhioAve. in Gaylord on Saturday,October 19 from 9am to 3pm.Shop for gifts, crafts and d-cor from local vendors. Oth-er features include gentlyused treasures, home-madebaked goods, luncheon, ma-gician, door prizes and cashraffle prizes. Admission is free.

indian riVerJ paOct. 19, 2-4pm at the Ea-gles club, 5743 S. StraitsHwy. Proceeds benefit spinalcord, Parkinsons and de-mentia charities. Open tothe public.

PeLLsTOnyga nau

Enjoy a hike and thenpractice 1 hour of yoga withcertified yoga teacher andLTC Volunteer Coordinator,Cacia Lesh on Oct. 19, 10am- Noon. Yoga can help youconnect with your inner self,relieve stress, and energizeyou. Practicing yoga in theoutdoors allows you to con-

nect with your natural sur-roundings in addition to gen-tly stretching the body withmovement. Children mustbe accompanied by an adult;all other ages and abilitieswelcome. Please bring a yogamat or towel, water, and wearappropriate clothing to bothhike and practice yoga.

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9/18


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As an investor, howmuch risk can you toler-ate? Its an importantquestion because the

answer can help youmake the right invest-ment choices.

Before you know yourrisk tolerance, youllwant to make sure youfirst understand the na-ture of investment risk the risk of losing princi-pal. This risk is especiallyprevalent when you in-vest in stocks, becausestock prices will alwaysfluctuate and there arenever any guaranteesabout performance. Ofcourse, a decline in valuedoes not mean you needto sell; you can alwayshold on to the stock withthe hope that its valuewill bounce back. Andthis can certainly happen,but again no guaran-tees.

How you respond to thistype of investment riskwill tell you a great dealabout your own risk toler-ance. Of course, no one,whether he or she has ahigh tolerance for risk ora low one, particularlylikes to see declines. Butpeople do react differ-ently. If youre the sort ofperson who can retain

your confidence in yourinvestment mix and canfocus on the long termand the potential for a re-covery, you may well havea higher tolerance forrisk. But if you find your-self losing sleep overyour losses (even if, atthis point, theyre justpaper losses), becomingdespondent about reach-ing your goals, and ques-tioning whether youshould be investing at all,

then you may have a lowtolerance for risk.

This self-knowledge ofyour own risk tolerance

should help inform yourinvestment decisions toa point.

Even if you determineyou have a high tolerancefor risk, you almost cer-tainly should not load upyour portfolio exclusivelywith stocks. If the stockmarket enters a pro-longed slump, you couldface heavy losses thatmay take many years toovercome, causing you tolose significant ground inthe pursuit of your finan-cial goals. Conversely,even if you discover youdont have much toler-ance for risk, you wontwant to invest only insupposedly safe vehi-cles, such as certificatesof deposit (CDs). Duringthose periods when rateson CDs and similar in-struments are low, as hasbeen the case in recentyears, your interest pay-ments from these invest-ments may not even keepup with inflation mean-ing that, over time, youcould end up losing pur-chasing power, which,over the long term, can be

just as big a risk as mar-

ket declines.Ultimately, then, youll

probably want to let yourrisk tolerance guide yourinvestment choices butnot dictate them with aniron hand. So, if you be-lieve you are highly toler-ant of risk, you mighthave a somewhat higherpercentage of stocks inyour portfolio than if youfelt yourself to be highlyrisk-averse but in anycase, youll likely benefit

from building a diversi-

fied portfolio containingstocks, bonds, govern-ment securities, CDs and

other investments. Whilethis type of diversifica-tion cant guarantee prof-its or protect against loss,

it can help reduce the ef-fects of volatility on yourportfolio.

By knowing your ownrisk tolerance, and therole it can play in yourchoices, you can help

yourself create an effec-tive, suitable investmentstrategy one that you

can live with for a longtime and that can helpyou avoid the biggest risk

of all: not reaching your

long-term goals.Tune in Tuesday morn-ings to Eagle 101.5 FM at

8:30 am to hearPhil Hofweber discuss the

weekly Financial

Focus Topic

_________________

Phil Hofweber is a Fi-

nancial Advisor with Ed-

ward Jones Investments

located in Downtown Gay-

lord. He can be reached

at (989) 731-1851, or e-mail

him

at phil.hofweber@ed-

wardjones.com.

Edward Jones, its fi-

nancial advisors and em-

ployees do not provide tax

or legal advice. You

should consult with a

qualified tax or legal pro-

fessional for advice on

your specific situation.

This article was written

by Edward Jones for use

by your local Edward

Jones Financial Advisor.

www.edwardjones.com Member SIPC

Leaving a 401(k) with a previous employer could mean

leaving it alone with no one to watch over it.

At Edward Jones, we can explain options for your 401(k)

and help you select the one thats best for you. If youd

like to roll it over to an Edward Jones Individual Retire-

ment Account (IRA), we can help you do it without

paying taxes or penalties. And you can feel confident

that someone is looking out for you and your 401(k).

To find out why it makes sense to talk with EdwardJones about your 401(k) options, call or visit yourlocal financial advisor today.

If You Arent at Your Last Job,Why Is Your 401(k)?

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How Should Your Risk Tolerance

Infuence Investment Decisions

FINANCIAL FOCUSPhilip Hofweber, Financial Advisor with Edward JonesGAYLORD, (989) 731-1851

The new school year is alreadywell underway, but some familiesmay still be struggling to establishtheir routine. According to MeganCole, Preschool Team SocialWorker for Char-Em ISD, its nor-mal for the transition to be an on-going source of anxiety and stressfor young kids and families.

Every member of the house-hold is affected during back toschool time, Cole observed.Whether its a preschoolers firstyear, or they are returning tostructured school schedule, it canbe a difficult adjustment for boththe child and for his or her par-ents. There tends to be less of a for-mal schedule during the summer,so the start of school means thatroutines at home must change,which may be hectic for everyone.

Cole explained that structure isimportant to preschoolers. Parentsshould emphasize the positive andestablish comfortable routines thatinclude nightly preparation for thenext day, a set sleep schedule, and ahealthy breakfast. While its nor-mal for young children to havesome back to school jitters, par-ents may want to seek additionalsupport if their child starts to dis-play physical symptoms like

headaches or stomach aches, or ifthey are displaying disruptive be-haviors at home or at school.

Families who are strugglingwith adjustment to preschool andwhose children are having behav-ior issues can get free supportfrom a Parent Support Partner,Cole advised. The Parent SupportPartner is a peer parent who hasovercome challenges and obstaclesto provide her or his own childwith a positive, supportive envi-ronment, and is available now tohelp. She added that parents whowork with Parent Support Part-ners tend to feel less isolated, more

confident, and better able to copewith challenges for the child atschool and at home.

Parents interested in workingwith a Parent Support Partner canget more information through theHealth Department of NorthwestMichigans Early Childhood Be-havioral Health Initiative. The pro-gram makes free parent supportavailable to parents of childrenage 0-5 in Charlevoix, Emmet andnorthern Antrim Counties. Callthe Health Department toll-free at(800) 432-4121 to learn more or toschedule an appointment.

Parent Support Partner helps familiesnavigate Back to School season Feeny Ford and

Grayling High Schoolare partnering to help

raise up to $6,000 in sup-port of the school aspart of Ford Motor Com-panys Drive 4 UR Schoolprogram. Area residentswill have the opportu-nity to raise money tosupport the school bytest driving a Ford vehi-cle. For every personthat test drives a newFord at this one dayevent, Ford Motor Com-pany and Feeny Fordwill donate $20, up to$6,000 to Grayling HighSchool Athletic fund.

The event will takeplace at Grayling High

School prior to the foot-ball game on Friday, Oc-tober 4th. Each test drivewill last approximately7-10 minutes. Partici-pants must be 18 or olderand have a valid driversLicense. Limit one test

drive per household.

Feeny Ford invites you toDrive 4 Grayling High School

PATRICK

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10/18




b Jim Akans

For 38 years, Rainbow Plaque

Company in Gaylord has been

supplying customers with qual-

ity engraved plaques, signs, tro-

phies and many other items

with personalized, fast, and ex-

pert service.

Established in 1975 by Bill and

Helen VanDusen, the company

was purchased in 2002 by long-

time Otsego County residents

Eugene and Kelly Branigan.

The shop was originally located

on Old US 27 South next to the

current site of A2Z Resale, and

was relocated a few miles fur-

ther south on Old 27 in the

spring of 2013. Rainbow Plaque

Company has earned a legion of

satisfied customers over the

years, including Gaylord AreaSchools, Otsego Club, Treetops

Resort, the Elks, Eagles and

Knights of Columbus.

We offer traditional (or

scratch) engraving, notes co-

owner Kelly Branigan, and we

now also offer state-of-the-art

laser engraving, which can be

used on glass, wood and many

metals. The advantage is faster

turn-around and I also believe

laser offers a slightly higher

quality product.

In addition to trophies, signs

and award plaques, engraved

items include medals, clocks,

ribbons, desk and door signs,

recognition awardsjust about

anything the customer wants to

personalize with a personalized

message.

Kelly notes that turn around

time for smaller orders is typi-

cally two to three days, and

about a week for larger orders.

In addition to serving customer

here in Northern Michigan, she

points out that people as far

away as Florida and the State of

Washington have utilized the

services of the locally ownedand operated Rainbow Plaque

Company.

Rainbow Plaque Company is

located at 3491 Old 27 South in

Gaylord, and is open Monday

through Friday from 9 am to

5:30 pm and Saturday from 9 am

to 1 pm. For additional informa-

tion, call (989) 732-3336 or email

[email protected]

Ranbow Plaqu Company:A locally-owned engraving business since 1975

File Photo

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AkAnS Rainbow PlaqueCompanyMon. - Fri. 9-5:30; Sat. 9-1

3491 Old 27 South, P.O. Box 3086

Gaylord, MI 49734

989-732-3336

[email protected] Kelly Branigan, Owner


11/18


Choosing a locally owned store gen-erates almost four times as much eco-

nomic benefit for the surrounding

region as shopping at a chain, a new

study has concluded. The analysis also

found that eating at a local restaurant

produces more than twice the local eco-

nomic impact of dining at a chain

restaurant.

The research firm Civic Economics

analyzed data from fifteen independent

retailers and seven independent

restaurants, all located in Salt Lake

City, and compared their impact on the

local economy with four chain retailstores (Barnes & Noble, Home Depot,

Office Max, and Target) and three na-

tional restaurant chains (Darden, Mc-

Donalds, and P.F. Changs).

The study found that the local retail-

ers return an average of 52 percent of

their revenue to the local economy,

compared with just 14 percent for the

chain retailers. Similarly, the local

restaurants re-circulate an average of

79 percent of their revenue locally,

compared to 30 percent for the chain

eateries.

What accounts for the difference? In-dependent businesses spend much

more on local labor. They also procure

more goods for resale locally and rely

much more heavily on local providers

for services like accounting and print-

ing. This means that much of the

money a customer spends at a local

store or restaurant is re-spent within

the local economy, supporting other

businesses and jobs.

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4815 Old 27 South, Gaylord

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JEFFERSON STREETNext to Zion Lutheran Church

PETOSKEY 231-347-7530

If you or your business are interested in sponsoring your favoritenon-profit organization, call our office at 989-732-8160 or e-mail us at Of-

[email protected].

We have a number of Non-Profit Groups who are waiting for

a sponsor to be a part of the 20/20 Project. Cost to sponsor a Non-Profit Groupis just $25 a month.

The Friendship Shelter, Inc.We are a homeless shelter serving the Gaylord area.

In addition to providing food and shelter, a major focus ofThe Friendship Shelter's program is training and education designedto ensure continued success for our clients once they transition to

independent living.

Visit: http://www.thefriendshipshelter.org/needs.htmlTo find out how you can help

Underwritten by: Anonymous Donor

St Mary Cathedral School321 N. Otsego, Gaylord, MI 49 735 989-732-5801

Give online at:

http://www.gaylordstmary.org/about-us/fundraising

Underwritten by:

J-N-J Construction, Inc.(989) 731-1338 Jim Jeffers, 2860 Kassuba Rd., Gaylord, MI 49735

Maintain your independenceNMS proides a wide array of serices 24 hors a day,

7 days a week, to meet yor needs at home Transportation

Errand Services

Medication Management

Health Management

Home Maintenance

Companionship

Housekeeping

Respite Care Personal Care

Building solutions for barrier free living

Northern Management

Services/Access Unlimited

Commuty Prtrs

Nmia Prjctoffring Sltr t Ptsky

Ara hmlssUnderwritten by

B Jrmy Wills D.D.S.God gave you your teeth...we help you keep them.33 years in Petoskey at 204 State St., Petoskey

231-347-8980

Gaylord Area Council for the ArtsGACA 2013 evnts

July 9 - August 31Juried Fine Arts & Photography Winners Invitational

Pn: 989-732-3242 www.gaylrdarts.rgCall for Entry forms for member exhibits and juried shows

are available at the Arts Center, 125 E. Main Street, Gaylord

SALT & SANDARE

TO YOuR vEHICLE

STOP BY TODAY TO kEEPCORROSION AT BAY!

989.390.0485www.jnjalpineatowash.com

1509 W. Main St., Gaylord

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Sponsored by Seniors helping Seniors (989) 448-8323

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Seniors Helping Seniors...a way to give and to receive 989-448-8323

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657 Chestnut Ct., Gaylord, MI 49735

989-732-6374 866-486-0712

You Are Invited to...

The Alpine Tavern& Eateryand SportHaus Pub

Study Fnds indpndnt

Busnsss Dlvr Bggr economc Bnft

Michayw

1535 Opal Lake Road

Gaylord, MI 49735Phone 989.939.8911

Fax [email protected]

Whatever it takes!

200 S. Cort Aene, Site 2

Post Office Box 1154,

Gaylord, Michigan 49734

Phone: 989.448.8828Fax: [email protected]

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220 S. Otsego Ave., Gaylord (989) 732-5444

otsg Cunty

Unitd Way116 East 5th St.,Gaylord MI 49735 989-732-8929 x14

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The only way to end poverty is to build community

Underneath everything we are, underneath everything we do, we are all people.Connected, Interdependent, United.

And when we reach out a hand to one, we influence the condition of all.That's what it means to LIVE UNITED.

Catch the

20/20 Vision!

Catch the

20/20 Vision!

Rainbow PlaqueCompany3491 Old 27 South, P.O. Box 3086

Gaylord, MI 49734

989-732-3336

[email protected] Branigan, Owner

Mn. - Fri. 9-5:30;

Sat. 9-1



12/18


Classes Available!Visit

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GAYLORD FAMILY FITNESS CENTER

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13/18

Thi i your collgfund

Dear Dave,Our daughter is 11 years

old, and we save $50 amonth for her. Right now,weve accumulated $4,200for college, a car or justsavings in general. Shouldwe be investing thismoney, instead of puttingit in a savings account?

JillDear Jill,

If Im in your shoes, Idchoose college as the focalpoint over the otherthings youve mentioned.My advice would be tomove that money into a529 Plan with mutualfunds inside. That way, itwill grow tax-free fromthis point forward. Then,if you continue to set $50 amonth aside for her forseven more yearsandthe stock market averages11 to 12 percentyoudhave about $16,000 sittingthere when she turned 18.That wouldnt fully payfor college, but itd be a

great start. Plus, she canapply for scholarships andgrants and work and saveto help make it happen.

As far as a car is con-cerned, Id set up a sepa-rate savings account andagree to match whatevershe saves. That way, if shecan put aside $3,000 to$4,000, with the matchshell have a pretty nicecar. But in my mind, col-lege is the most importantthing here. If you guyscan afford these contribu-tions, and she wants to goto college and will hold upher end of the deal, youcan work together as afamily and make the ideaof a college education areality!Dave

should w toppaying commi-ion?

Dear Dave,Should families who are

struggling to pay off debtstill give their kids com-missions for doing chores?

SteveDear Steve,

Yes, but it doesnt haveto be a lot of money. Kidsseldom get paid anamount that is equal towhat the chore is worth.To be perfectly honest, thechores most kids does-

pecially the little ones

arent worth that much. I

wouldnt pay a kid five

dollars a day, or even perweek, to feed the dog. I

mean, it takes less than 30

seconds to scoop the foodinto the bowl!

When it comes to payingkids commissions for

chores, the biggest thingwere trying to do is find

teachable moments. We

want the kids to learn that

money is tied to work.Then, when they have

some money, we want to

teach them about the

three uses for moneyspending, saving and giv-

ing.

Teaching them wiseways to do those three

things while youre teach-

ing th

weekly choice - october 03, 2013

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