TAKE YOUR BEACON ON VACATION
November 2017 THE BEACON Page 11
B eacon
Vacation
The Klump-Turner Family traveled from West Harrison to Destin , Florida to enjoy a great Family vacation . Greg Turner and Debbie Klump-Turner , Justin and Nicole Klump Family , John Klump Family , Joe Klump Family , Daelle Woolwine Family , Sean and Tiffany Wilhelm . A great time was had by all !
Pam Beneker , Brookville , was near Billings , Montana on part of the Lewis and Clark trail .
Gary & Mary Schuman of St . Leon , along with Tom , Karen , Josh Schuman and Ralph , Diane , Kyle Brueggemann on an 11 day Baltic Cruise . Including stops in Russia , Sweden , Finland , Estonia and Germany .
TAKE YOUR BEACON ON VACATION
If business or pleasure takes you out-of-town , take your hometown newspaper along for the trip .
Send your photo , displaying the Beacon , to editor @ goBEACONnews .
Please include where you live . It ’ s interesting to see how well-traveled our readers are !
Karen and Guy Hallman from Hidden Valley Lake took the Beacon to Rome , Italy where they stood on the steps of the Trevi Fountain .
The Kestermans took the Beacon on vacation to The Grand Canyon . Sitting in front : Josie Niemeyer , Jordan Niemeyer , Lexie Carey , Hunter Rankin ( on lap ) Sitting in back : Joe Niemeyer , Stephanie Niemeyer , Jenny Carey , Jill Rankin , Connie Kestermann and Joel Niemeyer .
BEIERSDORFER ORCHARD " INDIANA ' S FINEST " 21874 Kuebel Rd , Guilford , IN 812-487-2695
APPLES PEARS APPLE CIDER Hours : Mon-Sat 9-6 Sun 1-6 www . beiersdorferorchard . com credit / debit not accepted
M
DEAR
ARIE
By Marie Segale
marie @ gobeaconnews . com
Dear Marie ,
I am a divorced mom with two kids , a boy eight years old and a girl six years old . This will be our first Halloween without their dad being with us for trick or treating . My ex-husband and I both want to go trick or treating with our kids . I ’ m looking for a solution , Marie what do you think ?
Donna from Sunman
Dear Donna ,
Depending on the distance between you and your ex-husband , you could split the evening and spend half of the time at one house and half of the time at the other . Then you could plan on ending the evening at the house where the children are staying that night . Or another reasonable solution would be for you and your ex-husband to go together with the kids to trick or treat at one of your houses . That would certainly be easier for the kids and reassuring for them to see mom and dad putting them first and making it special for them .
Do you have a pressing issue for Marie ? Contact Marie @ goBEA- CONnews . com
CaseysOutdoor . com . 21481 State Line Rd . Lawrenceburg , IN . 812-537-3800
Is the Market at its Peak ?
Wednesday , March 1 , 2017 was a great day for the U . S . Stock Market . The Dow Jones Industrial Average soared 303 points to close above 21,000 for the first time ever . 1 Unfortunately , the joy from this historical occasion was short lived as many investors turned pessimistic , predicting an eminent market correction . Why ? As humans , we instinctually look to where the next threat might come from or what could cause us harm in the future , even when no current threat exists . Although beneficial for survival , this type of attitude is what prevents many investors from realizing the incredible compounding effects of market returns .
Is the market due for a correction ?
Predicting a market correction is hardly a predication at all . The market averages a 10 % correction on a yearly basis . Simply stated , my answer to this question is that I don ’ t know . Some market analysts want you to believe that they can predict a market correction , but no one knows what is going to happen tomorrow . Don ’ t misinterpret what I am saying . It is important to pay attention to earnings records , P / E ratios , and trends , but it ’ s hard to predict when the next world political event will happen and how it will affect the market . Let me tell you what I do know , and what markets have done in my lifetime .
In January 1987 , two years after I started Conservative Financial Solutions , I saw the Dow close above 2,000 for the first time . Nine years later , I watched it cross 5,000 on November 21 , 1995 . Since then , I ’ ve seen it
“ Some marketing analysts want you to believe that they can predict a market correction , but no one knows what is going to happen tomorrow .” — Roger Ford
hit 10,000 , 15,000 , and now it ’ s above 21,000 . 2 I fully expect this trend to continue over time . Do not allow yourself to be distracted by what is happening in the short-term , the long-term trend of the market is the key to successful investing .
Where to focus .
The real focus of long term investing needs to be on the financial goals you are trying to achieve and your ability to tolerate risk . Investing in the market is not for the weak minded and the faint of heart . It takes patience and planning .
I recommend the first step of investing is to set your financial
goals . Once your goals are set , and written down , the second step is determine how much risk you ’ re willing to accept . There are ways to be invested in the market without taking on the full risk of the market . Once you have focused on the first two steps , this is a good time to start working with a financial professional to help guide you further with your financial goals . This is an area where my firm , Conservative Financial Solutions , LLC , specializes .
One of the most important parts of my job is helping my clients get through the difficult times . No investor is going to be able to achieve their goals if they pull out of the market every time there is a little hiccup . When investing in the market , it is essential to keep emotions in check and keep with the set plan for long-term financial goals . This will lead investors to realize the incredible compounding effects of market returns .
1
Fred Imbert , CNBC , March 1 , 2017 , http :// www . cnbc . com / 2017 / 03 / 01 / us-markets . html ( Accessed July 17,2017 )
2
Dow Jones- 100 Year Historical Chart , http :// www . macrotrends . net / 1319 / dow-jones-100-yearhistorical-chart ( Accessed 17 , 2017 )
Conservative Financial Solutions | Roger L . Ford 10403 Harrison Ave . | Harrison , OH 45030 513.367.1113 | ConservativeFinancialSolutions . com
Roger Ford offers securities through Madison Avenue Securities , LLC ( MAS ), member FINRA / SIPC . Investment advisory services offered through AE Wealth Management , LLC ( AEWM ), a Registered Investment Advisor . MAS and Conservative Financial Solutions are not affiliated companies . AEWM and Conservative Financial Solutions are not affiliated companies . Investing involves risk including the potential loss of principal . Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company . Neither the firm nor its agents or representatives may give tax or legal advice . Individuals should consult with a qualified professional for guidance before making any purchasing decisions . AW07173327
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