THESE KUTE KIDS ARE… Princesses Aubrey O’Neill (left), age 6, daughter of Kourtnie Fry and Antonio O’Neill; Brooklyn Fry (right) age 3, and baby Chloe Fry (4 months) daughters of Steven Fry and Kourtnie Fry. Aubrey also has three brothers – Austin O’Neill (5), Aidan O’Neill (3) and Ashton O’Neill (1). Grandparents of these darlings include: Danny (Amanda) Costner, Mark Chaney, Judy Chaney, Lance (Debbie) Fry, Susan (Angie) Edgerly, and Cecil (Angie) Jackson.
Hometown Halloween Happenings
COLOMA Drive Thru Trunk or Treat on Oct. 24 Coloma Salem Lutheran Church is hosting a Drive Thru Trunk or Treat on Saturday, Oct. 24 from 3 to 5 p.m. This event is drive-thru only. Masked and gloved volunteers will hand out candy while community members with children remain safely in their cars. There will be no walking up for candy. Vehicle lineup begins at Park and Wilson streets in Coloma. There will be guides to direct traffic and keep cars moving. Everyone should practice patience and follow directions to keep this a safe and self-distancing activity. Organizers suggest car owners decorate their vehicles to make this event more festive. The Drive Thru Trunk or Treat is being organized by the North Berrien Community Development/ Coloma Watervliet Area Chamber of Commerce.
Coloma Rod & Gun Club and FOP offering Halloween Drive Thru Trick or Treat on October 24 On Saturday, Oct. 24 volunteers will be at Coloma Rod & Gun Club to give out treats for children 1-14 years old. They will be practicing safety measures and wearing masks. This drive-thru Halloween event is planned for 3 to 5 p.m., or while supplies last and is hosted by the Rod & Gun Club in partnership with the Coloma FOP Lodge. Coloma Rod & Gun Club is located at 6145 Angling Road.
N.B.H.S. Museum invites community to enter Pumpkin Carving Contest Monday, Oct. 26 is National Pumpkin Day! To celebrate the season of harvest, the North Berrien Historical Museum is hosting the first annual Pumpkin Carving Contest in collaboration with Jollay Orchards, Watervliet Fruit Exchange, and Silverstone Gardens. To participate, simply purchase your pumpkin at one of the collaborating northern Berrien County businesses and you will receive an entry form at the time of purchase. Next, carve your pumpkin, take a picture of your creation as well as the completed entry form, and send both images to email@example.com by Monday, Oct. 26. On Wednesday, Oct. 28, all entries will be added to an album on the North Berrien Historical Museum’s Facebook page. Facebook users will be able to cast their vote by giving a “Like” to any pumpkin they think is fitting to win! Prizes will be awarded to 1st, 2nd, and 3rd places for both Adult and Student categories. Only one entry per contestant. The North Berrien Historical Museum has the right to refuse any entry. For additional information, visit Northberrienhistory.org/pumpkincontest or call the Museum at (269) 468-3330.
Sarett Halloween Trail event Oct. 30 & 31 Sarett Nature Center, 2300 Benton Center Road has planned a Halloween Trail event for Oct. 30 and 31. The public is invited to hike the trail and pick up tricks and treats to take home. Buy tickets online at www.sarett.org to schedule a time to start on the trail.
Trick or Treat hours for Coloma City & Township Residential trick or treat hours have been established for the City and Township of Coloma on Saturday, Oct. 31 from 5 to 7 p.m. This announcement is subject to change due to the coronavirus pandemic. Have fun, be safe, and wear your face mask!
HARTFORD Hartford Library hosts Halloween Trunk or Treat The Hartford Public Library will host a Trunk or Treat Halloween event on Saturday, Oct. 31 from 1 to 3 p.m. at the library parking lot, 12 Church street. Spaces are available for participation. The library will be giving away school supplies, books and candy.
City of Hartford sets Trick or Treat hours Trick or Treating will take place in Hartford on Saturday, Oct. 31 from 6:00 p.m. until 8:00 p.m. Mayor Rick Hall asks that residents be mindful of the current State and CDC guidelines for Halloween and other holidays. The Michigan Department of Health and Human Services recommends social distancing, face coverings, and that people feeling ill should stay home. Frequent hand washing or sanitization efforts can help mitigate the risks of COVID-19 during Trick or Treating.
WATERVLIET Watervliet to have downtown trick or treating & residential in city & township on Friday, Oct. 30 The City of Watervliet has announced they will have Trick or Treating on Friday, Oct. 30 for both downtown and citywide residential. In addition, Watervliet Charter Township announces residential trick or treating for Oct. 30 from 5-7 p.m. The Downtown Trick or Treat Sidewalk Parade for area families is from 3-5 p.m. and residential trick or treating in the city neighborhoods is set for 5-7 p.m. Watervliet City Officials strongly encourage everyone to keep safety as a #1 priority in terms of social distancing and adhering to preventative measures to mitigate any potential COVID-19 exposure as recommended by the MDHHS, CDC, and Berrien County Health Department. Additionally, the City encourages that all children be accompanied by a parent or guardian and to be mindful of oncoming traffic along M-140 and throughout local neighborhoods.
Avoid financial mistakes during retirement When you retire, you’ve learned a lot about all sorts of things, helping you avoid some of the mistakes you made earlier in life. However, you may still be susceptible to financial missteps specifically related to your retirement years. How can you dodge these errors? Consider these suggestions: Manage your withdrawal rate carefully. You will likely need to tap into your retirement accounts – your IRA and 401(k) or similar employer-sponsored plan. But you should establish an annual withdrawal rate that’s appropriate for your situation. By withdrawing too much each year, especially in the early years of your retirement, you risk outliving your resources. You may want to consult with a financial professional to determine the withdrawal amount that’s right for you. (Keep in mind, though, that once you turn 72, you will be required to take out at least a certain amount each year – based on your age and account balance – from your traditional IRA and 401(k) or similar plan.) Don’t underestimate health care costs. Once you turn 65, you will be eligible for Medicare, but you may still need a Medicare supplement plan and will probably also incur other expenses. In fact, a healthy 65-year-old couple who retired in 2019 will need nearly $390,000 over their remaining years just to pay for health care, according to HealthView Services, which produces health-care cost projection software. Other estimates show different amounts, but they all amount to hundreds of thousands of dollars. So, when calculating your expenses during your retirement years, reserve a big space for health care. Don’t take Social Security too early. You can start receiving monthly Social Security checks when you reach age 62, but your payments will generally be significantly larger if you wait until your “full” retirement age, which will probably be between 66 and 67. (The size of your payments will “max out” at age 70.) Of course, if you need the money at 62, you may have to take it, but if you believe you have longevity working in your favor, and you can afford to wait, you may be better off by delaying Social Security as long as possible.) Don’t invest too conservatively. Once you’re retired, you might think that you should take as few chances as possible with your investments – after all, you simply have less time for them to bounce back from a downturn than you did during your working years. Nonetheless, it’s important to own a reasonable percentage of growth-oriented investments to help keep you ahead of inflation. Even at a low rate, which we’ve experience recently, inflation can erode your purchasing power over time. Don’t be more generous than you can afford. If you have grown children who need financial help, or grandchildren heading to college someday, you’d no doubt like to do whatever you can to provide assistance. However, the hard truth is they simply have more time than you do to find workable financial solutions, whereas if you deplete your funds through your generosity, you could put yourself in a precarious position. So, be as giving as you can afford – but don’t go beyond that. By preserving your financial independence, you’ll end up benefiting your family, as well. Retirement can be a wonderful time of your life – and you may enjoy it more by doing what you can to avoid costly financial mistakes. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, Member SIPC