Page 8 — Thursday, June 3, 2021 — The Hastings Banner
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Sources: Hastings Banner,
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chroniclingamerica.loc.gov.Lake Odessa
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Financial tips for the
self-employed
Being self-employed has
some benefits: You get to
choose your own hours, you
don’t have to count “vacation
days” and you’ll never worry
about getting downsized. On
the other hand, you’re truly on
your own – there’s no employ-
er-sponsored retirement plan
and no benefits package. So, if
you’ve recently started a busi-
ness or become a “gig worker,”
possibly due to the COVID-
pandemic, what can you do to
get on the road to financial se-
curity?
There are several steps you
can take, including the follow-
ing:- Establish a budget. When
you’re self-employed – and
especially when you’re first
starting out – you need to keep
tight control over where your
money is going. So, establish a
budget and stick to it. - Open a retirement plan.
As a self-employed individual,
you can choose a retirement
plan, such as a SEP-IRA, a
SIMPLE-IRA or an “own-
er-only” 401(k). When your
earnings are limited, you can
contribute modest amounts
to any of these plans, but
when your income rises, you
can boost your contributions.
While these retirement plans
have some things in common,
including tax-deferred growth
of earnings, they differ in oth-
er areas, such as contribution
limits, and one plan may be
more suitable for you than an-
other, depending on whether
you have employees. You may
want to consult with a financial
advisor to determine which
plan is best for your needs.- Build an emergency
fund. When you work for a
business or other organization,
your income is predictable –
but that’s usually not the case
when you’re self-employed.
And when your earnings are
uneven, you can be vulnerable
to financial stress when you
face an unexpected expense.
To help protect yourself from
these threats, try to gradually
build an emergency fund con-
taining a few months’ worth of
living expenses, with the mon-
ey kept in a liquid, low-risk
account. - Pay down your debts.
Some debts, such as loans to
help your business, may be un-
avoidable – and even produc-
tive. But other debts, especially
those that can’t be deducted
from your taxes and carry a
high interest rate, are far less
useful, so you may want to
set up a repayment plan. With
your other expenses, you might
not be able to whittle these
debts down as fast you’d like,
but, over time, your efforts can
pay off.- Put money aside for tax-
es. Because no employer is
withholding taxes from your
paychecks, you will likely
have to make quarterly esti-
mated payments. Plus, you’re
responsible for all your So-
cial Security taxes, which, if
you worked for someone else,
would be split between you
and your employer. To make
sure you’ve got enough mon-
ey available to pay your tax-
es, you might want to set up a
special account – one that’s not
used for any other purpose. - Get proper insurance.
Depending on the nature of
your work, you may or may
not need some type of busi-
ness insurance, but if you have
a family, you should certainly
consider the need for life insur-
ance, and you may also want to
consider disability insurance.
Self-employment can be
quite fulfilling – and you’ll find
it even more rewarding when
you make the right financial
moves.
This article was written by
Edward Jones for use by your
local Edward Jones Financial
Advisor.
Edward Jones, Member
SIPC
Jim Lundin
Financial Advisor
2169 W. M-43-Hwy., Suite A
Hastings, MI 49058
(269) 818-Financial FOCUS
Provided by the Barry County
offices of Edward JonesJeff Domenico, AAMS®
Financial Advisor
450 Meadow Run Dr. Suite 100
Hastings, MI 49058
(269) 948-Member SIPC161556
NOTICE OF HEARING OF PRACTICABILITYAND REVIEW OF GUN LAKE SPECIAL
ASSESSMENT ROLL
TAKE NOTICE that the Gun Lake Improvement Board will hold a public hearing on the
practicability of a three-year improvement project (2022 through 2024) for Gun Lake
consisting of nuisance aquatic plant control, inspection and oversight, water quality mon-
itoring, watershed management, administration, and contingencies. The hearing will be
held at Gun Lake Chapel, 2910 Patterson Ave., Wayland, MI 49348 on Saturday, June
19, 2021 at 10:00 a.m.
PLEASE TAKE FURTHER NOTICE that a special assessment roll has been prepared
and is on file at the office of the Barry County Drain Commissioner located in 220 W.
State Street in Hastings, Michigan for public examination during normal business hours.
Said special assessment roll has been prepared for the purpose of assessing the cost of
the improvement project to benefiting properties.
NOTICE IS FURTHER GIVEN that the Gun Lake Improvement Board will hold a hearing
immediately following the aforementioned hearing of practicability for the purpose of
reviewing said special assessment roll and for hearing any objections thereto. An owner
of or party with interest in real property to be assessed or his/her agent may appear in
person to object to the special assessment or may protest such special assessment by
letter filed with the Lake Board at or prior to the time of the hearing. Written objections
may be filed with or mailed to the Gun Lake Improvement Board c/o Barry County Drain
Commissioner, 220 W. State Street, Hastings, MI 49058. Notice is also given that the
owner of any real property within the Gun Lake Special Assessment District who, having
made an objection to said special assessment either in person or in writing, may, within
thirty (30) days after the confirmation of the special assessment roll, appeal such special
assessment to the Michigan Tax Tribunal or other court of competent jurisdiction.Gun Lake Improvement Board
Barry and Allegan Counties, MichiganElaine Garlock
Lakewood Lions Club is having its first
chicken barbecue of the season Sunday, June 6,
with serving starting at 3:30 p.m. The location
is the pavilion on Jordan Lake along M-50.
This is a take-out dinner only with service on
Virginia Street just off M-50 near the lake.
This club is a combination of former groups
in Woodland, Clarksville and Lake Odessa
with membership coming for many miles.
Last year’s event was one of the first after
quarantine, and the result was a huge crowd.
The advance ticket holders were lucky and got
their meals but those who waited to buy on site
were out of luck because the hosts ran out of
chicken, and some people were refunded for
their meals. When they had a second barbecue
later in the summer they ordered 300 more
chicken halves and had enough to serve
organizers customers.
Central United Methodist Church returned
to indoor services Sunday and will continue
in that fashion. In both 2020 and 2021, the
church held some of its services on the front
lawn with pulpit and worship center atop
the north set of steps. The Congregational
Church has held its services indoors but with
less singing and its other minor changes in its
service format. St. Edward Church has held
mass in the Family Center in order to allow
more space between worshipers. St. Herman’s
Church at Woodbury held its service each
week without interruption.
The downtown planters are now set for
summer, filled with bedding plants. The central
item is a begonia surrounded with smaller
plants that will surely thrive under the constant
attention from caretakers who faithfully water
the plants using a riding tractor with a walking
attendant who handles the wand with sprinkler
every week. The filler of the large barrels
changes about four times each year.
Memorial Day services were held at
Lakeside Cemetery with the local VFW in
charge. The service was led by Commander
Steven Aldrich and the Rev. Bruce Barker. A
fine soloist sang the national anthem. Barker
and Aldrich made introductory remarks, the
post honor guard fired the gun salute and taps
were played. The crowd was the usual size,
with seating provided with help from the fire
department. Wreaths were presented, and three
flowers were placed by a member of the Post
Auxiliary. Woodland Township did not hold a
service this year.
Sunfield Township, with help from the
Daughters of Union Veterans (Civil War) had
an observance similar to that of last year. They
had placed staked quotes from prominent
people on the outer drive of the cemetery
on St. Joseph Highway south of Sunfield so
observers could easily read all of the quotes
while in a vehicle. At some spots, there were
identical posters on each side of the drive
so they could be read by both drivers and
passengers. At some point in the day, Taps was
played.
Snowball bushes had a short season. Just
when they were at their best, a heavy rainstorm
washed off most of the petals. Beauty bushes
are having their last fling. A fine display is
behind the Freshwater Cove building adjacent
to Union Bank’s parking lot. There are two
bushes on the Jordan farm north of Woodland.
The Mutch lawn on North Fourth Avenue is
full of plants with a new public garden planted
curbside. It has tomatoes, peas and lettuce free
for the picking when the time is right, later in
the summer.NOTICE TO BIDDERS
BARRY COUNTY ROAD COMMISSION
The Barry County Road Commission is offering for sale three pickups: (2) 2020
GMC 2500 Crew Cab SLE pickup (1) 2020 GMC 1 Ton Crew Cab SLE pickups
w/plow.Sealed proposals will be received at the office of the Barry County Road
Commission, 1725 West M-43 Highway, P.O. Box 158, Hastings, MI 49058, until
10:30 AM, Tuesday, June 15, 2021 for the following items. Please mark outside
of bid envelope with truck number i.e #900010.Specifications and additional information may be obtained at the Road
Commission Office at the above phone number or at our website http://www.barrycrc.
org., please make an appointment for all viewings of the trucks. NOTE: All trucks
are sold as is.Due to COVID 19 the opening will be done by Zoom Meeting on June 15, 2021
at 10:30 A.M. https://zoom.
us/j/95997230512?pwd=TFJUTDg1a3R2RzR2MjVBSmdaS3JFUT09 or by phone
1-312-626-6799, meeting ID #959 9723 0512, passcode: 186179(2) 2020 GMC 2500 Crew Cab SLE Pickups
4WD Duramax Diesel, Allison Transmission
Air, Cruise, PW & Locks, Keyless remote, Heated mirrors
1 - Summit White #900010 – Green Title - Approximately 29,300 Miles –
Minimum Bid $47,
1 - Summit White- #900040 – Green Title – Approximately 15,171 - Minimum
Bid $47,(1) 2020 GMC 3500 Crew Cab SLE Pickup Truck w/plow
4WD Duramax Diesel, Allison Transmission
Air, Cruise, PW & Locks, Keyless remote, Heated mirrors, BOSS Plow, 8-10’
EXT
1-Cardinal Red Truck #900170 – Orange Title (MUNICIAPL Title – NOT
SALVAGE)
Approximately 10,024 Miles - Minimum Bid $55,NOTE: All mileages are approximate – trucks are being driven until they are
sold.
The board reserves the right to reject any or all proposals or to waive irregularities
in the best interest of the Commission.161835DRAFT, continued from page 7