the BEACON Newspaper, Indiana beacon6-18 - Page 16

BATESVILLE
DOVER
FRANKLIN COUNTY
Page 4B THE BEACON June 2018

BATESVILLE

By Sue Siefert
Community Correspondent

O ur

St . Louis School first and second grade racing readers
Erin Trenkamp and Spencer Mack

Communities

batesville @ goBEACONnews . com
Congratulations to BHS principal , Andy Allen , who has been selected as the 2018 District 10 High School Principal . District 10 includes Dearborn ,
Andy Allen Decatur ,
Fayette , Hancock , Jennings , Ripley , Rush , Shelby , and Union Counties .
Check out these St . Louis School first and second grade racing readers as they prepare to ride the Radio Flyer Big Wheels donated by the Joan and John Hillenbrand Vision Fund ! Second-grade teacher Jan Narwold reports , “ For every one hundred minutes these young learners read , they get to take a lap around the playground to prepare for the “ Little 500 ” at the end of the school year . What a great way to encourage learning and exercise !”
Well done Spencer Mack ! This St . Louis School eighthgrader entered the Indiana Money Smart Kid Essay contest . He earned the GRAND PRIZE , receiving $ 1000.00 for his college fund . Also , SLS Economics teacher Erin Trenkamp ( shown with Spencer ), was awarded $ 250 to spend on her Economics class , as well as the admission fee for a summer economics conference .
As Memorial Day approaches , the City of Batesville will honor veterans through its Military Recognition Banner Program spearheaded by Community Development Director , Steven Harmeyer , who noted , “ This project will showcase veteran banners from Memorial Day to Veterans Day on downtown light poles , and will include a walking guide with biographical information .” Mayor Mike Bettice added , “ This is our way of thanking the veterans and active duty servicemen and women in a more personalized fashion for the many sacrifices they ’ ve made .”
That ’ s Sue ’ s news for now !

DOVER

By Ray Johnson
Community Correspondent
dover @ goBEACONnews . com
As I sit down to write this , the sun is shining . Various hues of green are emerging and becoming visible on the bushes and trees that have been bare and dormant for the past months . A change of season is beginning to sprout new life and I , for one , am looking so forward to it . Grass mowings are being checked off of the list , dependent on the weather . Shrubs and trees need pruning for new blooms of beautiful life to become exposed . The weather forecast is showing a high near 80 degrees in just a few days . Change is in the air .
A year ago , I was planning a trip of a lifetime , of sorts . My pilgrimage to the Holy Land , shared with many friends , was a beautiful opportunity . This June , another group of pilgrims from All Saints Parish and the surrounding community will be traveling to the Holy Land . I hope and pray that their experience is as wonderful . Not a day that passes that I do not have a beautiful thought of my trip . These thoughts were very prevalent during Lent and the Easter season . I am grateful to have had the experience and opportunity to take that trip .
Ron and Donna Gaynor are excited about the latest addition to their growing family . On March 16 Molly and Josh Mason welcomed their first child , a son named Caleb Lee Mason . Caleb weighed 8 lbs ., 3.4 ounces and measured 20.5 inches long . Caleb is Ron and Donna ’ s second grandchild . Congratulations to all .
Happy Anniversary to Russell and Leona McCann . They celebrated their sixtyfifth wedding anniversary in April surrounded by family and friends . May they both celebrate many more healthy and happy years together .
Congratulations to my

FRANKLIN COUNTY

By Alice Priessman
Community Correspondent
franklin @ goBEACONnews . com
Claudine Mae Rader was born September 16 , 1932 . She and her husband Arnold , who preceded her in death ,
Claudine Rader had seven children . They also had sixteen grandchildren and twenty-three great-grandchildren . Claudine impacted everyone she met . She passionately served her community , loved her church , and believed in the power and the importance of family .
Claudine was a very community-minded individual who dedicated her life to serving her neighbors . She was a member of the Mt . Carmel United Methodist Church , the United Methodist Women , Brookville Kiwanis Club , Franklin County Republican Women ’ s Club , the Red Hats Club , Franklin County Farm Bureau , American Legion Ladies Auxiliary , and the Springfield Township Women ’ s Club . She served on the Mt . Carmel Cemetery Board , Franklin County Board of Elections , Franklin County United Way , as well as Franklin County Relay for Life . She also volunteered for
father , Chuck Johnson , who celebrated his eighty-fifth birthday on April 26 . My mother , Thelma Johnson , will celebrate eighty-four years young on May 17 . Happiness and health to them both .
As we enter this next season in our lives , may we strive to make small changes to improve our health , our relationships , our attitudes , and our spirit for life . Just as we prune our trees and plants in our yards and gardens , may we shed the negative in our lives and accentuate the positive . May each of us find a way each day to become a more radiant light to everyone we meet . Let ’ s be a Beacon of light …
Please feel free to share any news , special stories , or announcements that are happening in your lives .
the Franklin County EMS for over twenty-eight years .
Claudine passed away at the age of 85 . To carry on her legacy and honor her memory , family members have established the Claudine Rader Scholarship for Outstanding Citizens within the Franklin County Community Foundation . The scholarship will award a student who gives back to their community the way she did . It will be awarded annually to a graduating Franklin County High School student with a minimum 3.0 GPA who plans to attend a two- or four-year college . The student must have at least fifty community service hours during the year prior to applying and must write an essay describing their efforts to improve their community .
Yummy “ real ” tomatoes . The ones grown and harvested from a garden , not a greenhouse . I asked Julie , one of our head growers to share her secret . Her answer , sprinkle Epsom Salts around the base of the plant just as you would a fertilizer . Why ? Epsom salts are actually not salt but magnesium sulfate , magnesium , and sulfur . When used with tomatoes and peppers you can see larger and more flavorful yields . Besides being essential for seed germination and the production of chlorophyll and fruit , magnesium strengthens cell walls and the plants ’ uptake of other minerals , such as nitrogen , phosphorus and sulfur . Signs of low magnesium may be leaf curling , yellowing of the leaves , stunted growth or lessened sweetness . Epsom salts is highly soluble and won ’ t build up in the soil . Happy gardening .
Taxes Have Been CUT !
On Friday , December 22 , 2017 , President Trump signed the Tax Cuts and Jobs Act of 2017 into law 1 . This controversial piece of legislation decreases the marginal income tax bracket for many Americans , thus opening opportunities to save on income taxes . However , this opportunity has a time limit and many of the income tax provisions are expected to expire in 2026 .
One of the largest opportunities provided by the new tax law involves Roth Conversions . With lower marginal tax brackets , many investors can begin to convert taxdeferred dollars into tax-exempt dollars , at a lower tax cost in 2018 compared to 2017 . By converting pre-tax dollars ( i . e . IRA ) to tax exempt dollars ( i . e . Roth IRA ), investors can take advantage of the lower conversion cost while avoiding future taxes on this investment .
Prior to the new tax law , let ’ s say a married couple wanted to convert an IRA worth $ 200,000 to a Roth IRA and assuming they were in the 15 % income tax bracket
according to the previous tax rates . The cost of the Roth Conversion may have pushed them into the higher income tax bracket , meaning that the federal income tax cost of the conversion would have been approximately 28 %. In other words , they would pay $ 56,000 in taxes to convert their $ 200,000 IRA to a Roth IRA . 2
Using similar taxable income levels but applying the new tax rules in the Tax Cuts
“ With lower marginal tax brackets , many investors can begin to convert tax-deferred dollars into tax-exempt dollars , at a lower tax cost in 2018 compared to 2017 .”
— Roger Ford
and Jobs Act of 2017 , the tax cost of converting to a Roth IRA would be approximately 22 % or $ 44,000 . This is a difference of $ 12,000 , offering a savings of over 20 %. Taxes are on sale ! The savings do not stop there . In performing this conversion , future taxes can be avoided whenever the owner needs to draw on the assets for income or when the money is transferred to their beneficiaries upon their passing , as long as you have owned the account for more than five years . Also , the owner of the account will no longer be required to take out money in the form of required minimum distributions ( RMDs ) from the account .
If you have traditional IRA or other tax-deferred assets , the fact of the matter is that Uncle Sam will not allow you to defer taxes indefinitely . Now is a great time to lock in tax savings before the rates expire in 2026 . Don ’ t miss out on this potential opportunity , talk to a financial advisor today .
1 https :// www . nbcnews . com / politics / politics-news / trump-signs-tax-cutbill-first-big-legislative-win-n832141
2 https :// www . bankrate . com / finance / taxes / tax-brackets . aspx
Conservative Financial Solutions | Roger L . Ford 10403 Harrison Ave . | Harrison , OH 45030 513.367.1113 | ConservativeFinancialSolutions . com
The hypothetical example is provided for illustrative purposes only ; it should not be construed as advice designed to meet the particular needs of an individual ’ s situation .
Securities offered through Madison Avenue Securities , LLC ( MAS ), member FINRA / SIPC . Investment advisory services offered through AE Wealth Management , LLC , a Registered Investment Advisor . MAS and Conservative Financial Solutions are not affiliated companies . AE Wealth Management and Conservative Financial Solutions are not affiliated companies . Investing involves risk , including the potential loss of principal . 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 . AW0318222
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Page 4B O St. Louis School first and second grade racing readers THE BEACON ur Communities tion.” Mayor Mike Bettice added, “This is our way of thanking the veterans and active duty servicemen and women in a more personal- ized fashion for the many sacrifices they’ve made.” That’s Sue’s news for now! DOVER By Ray Johnson BATESVILLE By Sue Siefert Community Correspondent Community Correspondent dover@goBEACONnews.com batesville@goBEACONnews.com Congratulations to BHS principal, Andy Allen, who has been selected as the 2018 District 10 High School Principal. District 10 includes Dearborn, Decatur, Andy Allen Fayette, Hancock, Jennings, Ripley, Rush, Shelby, and Union Counties. Check out these St. Louis School first and second grade racing readers as they pre- pare to ride the Radio Flyer Big Wheels donated by the Joan and John Hillenbrand Vision Fund! Second-grade teacher Jan Narwold reports, “For every one hundred minutes these young learn- ers read, they get to take a lap around the playground to prepare for the “Little 500” at the end of the school year. What a great way to encour- Erin Trenkamp and Spencer Mack age learning and exercise!” Well done Spencer Mack! This St. Louis School eighth- grader entered the Indiana Money Smart Kid Essay con- test. He earned the GRAND PRIZE, receiving $1000.00 for his college fund. Also, SLS Economics teacher Erin Trenkamp (shown with Spencer), was awarded $250 to spend on her Economics class, as well as the admis- sion fee for a summer eco- nomics conference. As Memorial Day ap- proaches, the City of Bates- ville will honor veterans through its Military Rec- ognition Banner Program spearheaded by Community Development Director, Ste- ven Harmeyer, who noted, “This project will showcase veteran banners from Memo- rial Day to Veterans Day on downtown light poles, and will include a walking guide with biographical informa- Taxes Have Been CUT! On Friday, December 22, 2017, President Trump signed the Tax Cuts and Jobs Act of 2017 into law 1 . This controversial piece of legislation decreases the marginal income tax bracket for many Americans, thus opening opportunities to save on income taxes. However, this opportunity has a time limit and many of the income tax provisions are expected to expire in 2026. One of the largest opportunities provided by the new tax law involves Roth Conversions. With lower marginal tax brackets, many investors can begin to convert tax- deferred dollars into tax-exempt dollars, at a lower tax cost in 2018 compared to 2017. By converting pre-tax dollars (i.e. IRA) to tax exempt dollars (i.e. Roth IRA), investors can take advantage of the lower conversion cost while avoiding future taxes on this investment. Prior to the new tax law, let’s say a married couple wanted to convert an IRA worth $200,000 to a Roth IRA and assuming they were in the 15% income tax bracket June 2018 As I sit down to write this, the sun is shining. Various hues of green are emerging and becoming visible on the bushes and trees that have been bare and dormant for the past months. A change of season is beginning to sprout new life and I, for one, am looking so forward to it. Grass mowings are being checked off of the list, depen- dent on the weather. Shrubs and trees need pruning for new blooms of beautiful life to become exposed. The weather forecast is showing a high near 80 degrees in just a few days. Change is in the air. A year ago, I was plan- ning a trip of a lifetime, of sorts. My pilgrimage to the Holy Land, shared with many friends, was a beautiful op- portunity. This June, another group of pilgrims from All Saints Parish and the sur- rounding community will be traveling to the Holy Land. I hope and pray that their experience is as wonderful. Not a day that passes that I do not have a beautiful thought of my trip. These thoughts according to the previous tax rates. The cost of the Roth Conversion may have pushed them into the higher income tax bracket, meaning that the federal income tax cost of the conversion would have been approximately 28%. In other words, they would pay $56,000 in taxes to convert their $200,000 IRA to a Roth IRA. 2 were very prevalent during Lent and the Easter season. I am grateful to have had the experience and opportunity to take that trip. Ron and Donna Gaynor are excited about the latest addition to their growing family. On March 16 Molly and Josh Mason welcomed their first child, a son named Caleb Lee Mason. Caleb weighed 8 lbs., 3.4 ounces and measured 20.5 inches long. Caleb is Ron and Donna’s second grandchild. Congratulations to all. Happy Anniversary to Russell and Leona McCann. They celebrated their sixty- fifth wedding anniversary in April surrounded by family and friends. May they both celebrate many more healthy and happy years together. Congratulations to my father, Chuck Johnson, who celebrated his eighty-fifth birthday on April 26. My mother, Thelma Johnson, will celebrate eighty-four years young on May 17. Happiness and health to them both. As we enter this next season in our lives, may we strive to make small changes to improve our health, our relationships, our attitudes, and our spirit for life. Just as we prune our trees and plants in our yards and gardens, may we shed the negative in our lives and accentuate the positive. May each of us find a way each day to become a more radiant light to everyone we meet. Let’s be a Beacon of light… Please feel free to share any news, special stories, or an- nouncements that are happen- ing in your lives. 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