Page 14 — Thursday, April 21, 2022 — The Hastings Banner
Financial issues facing women business owners
Jeff Domenico, AAMS® CRPC®
Financial Advisor
450 Meadow Run Dr. Suite 100
Hastings, MI 49058
(269) 948-Financial FOCUS
Provided by the Barry County
offices of Edward JonesWendi Stratton
Financial Advisor
423 N. Main St.
Nashville, MI
(517)760-Member SIPCAs a business owner,
you’re always busy, so it’s
understandable if you’ve put
off thinking about events that
won’t occur until far in the fu-
ture – such as your retirement,
the sale or transfer of your
business and the settling of
your estate. Nonetheless, it’s
a good idea to start planning
now, while also recognizing
the special challenges that
women business owners face
in these areas.
Essentially, you’ll have
four key issues to consider:- Building assets – While
you’re working, you’ll want
to build as many financial as-
sets as possible. This is espe-
cially important in case your
career is interrupted by the
need to provide care for chil-
dren or parents. And there’s
also the matter of longevity:
On average, a 65-year-old
woman can anticipate living
about 20 more years – al-
most three years longer than a
65-year-old man, according to
the Centers for Disease Con-
trol and Prevention. Further-
more, the average age of wid-
owhood is just 59, according
to the U.S. Census Bureau.
Given these concerns, you’ll
want to contribute as much as
you can afford to a retirement
account, such as an “own-
er-only” 401(k), a SEP-IRA
or a SIMPLE IRA. A finan-
cial professional can help you
choose an appropriate plan.- Planning an exit strategy
- How you transition from
your business can affect your
estate plans, in terms of the
assets you leave behind and
which family members are
connected to your exit strat-
egy. To illustrate: You could
choose to pass your business
to an adult child or other close
relative, but if you have no
family members willing to
take on this responsibility,
you could transfer ownership
through an employee buyout,
if you have employees, or you
could sell the business out-
right to a third party. Which-
ever route you choose will
need to be integrated into your
overall retirement and estate
plans. - Caregiving – As men-
tioned above, you might take
some time off work to care
for your children or aging
parents. In fact, two of every
three caregivers in the United
States are women, according
to the CDC. Being a caregiv-
er can incur emotional and
financial costs. To help avoid
entangling your finances with
those of the family members
to whom you’re providing
care, you may want to con-
sider creating a durable finan-
cial power of attorney, a legal
document that gives you the
authority to make financial
decisions on behalf of some-
one who may be incapable of
making them on their own.
You’ll want to address the
possible need for this docu-
ment well before it needs to
be activated.- Creating estate-planning
documents – You will need to
work with a legal professional
to create estate-planning ar-
rangements such as a will and
a living trust, relevant busi-
ness-planning documents,
powers of attorney and health
care directives. If your situa-
tion is complex enough, you
also may need to bring in a
trust company to manage the
assets placed in a trust and
oversee the eventual transfer
of these assets to beneficiaries.
A lot goes into preparing
for retirement, developing es-
tate plans and keeping them
current. So, start early and get
the help you need from ex-
perienced professionals. The
more thorough your planning,
the more control you’ll have
over your future.
This article was written by
Edward Jones for use by your
local Edward Jones Financial
Advisor.
Edward Jones, Member
SIPC
Big inning by Rams finishes
off SAC Valley sweep at DK
Galesburg-Augusta finished off a sweep of its
three-game Southwestern Athletic Conference Valley
Division series with the Delton Kellogg boys Thurs-
day in Delton.
The Rams put together a huge fourth inning scoring
13 runs to pull away for an 18-3 win in four.
Luke Watson doubled for Delton Kellogg, and Tris-
tin Boze, Seth Lebeck, Cole Lane and Aiden Harig
each had a single for Delton Kellogg in the defeat.
Galesburg-Augusta scored five runs in the top of
the first inning. Delton Kellogg clawed back into the
ballgame with runs in the second and third before thebig Ram outburst.
Garrett Warren and Lebeck had the Panthers’ two
RBI. Mason Nabozny walked three times in the num-
ber three spot in the line-up for DK.
Nabozny also took the loss on the mound. He gave
up six runs, but only one earned, through three
innings. He struck out seven, but walked six and gave
up two hits.
Delton Kellogg is scheduled to host Constantine for
another conference contest this afternoon, April 21,
and then get back to it in the conference Tuesday at
home against Kalamazoo Christian.DK girls score first three
goals, hold on for 3-2 win
Brett Bremer
Sports Editor
The Delton Kellogg varsity girls’ soccer
team notched its first victory of the season
Monday as it knocked off Watervliet 3-2 in a
Southwestern Athletic Conference contest in
Delton.
The Panthers scored the games’ first three
goals with a pair coming on corner kicks. Ida
Thilsing Hansen scored the opening goal forDelton on a corner kick, and then she assisted
teammate Elyese Blackburn with a corner for
their team’s final goal.
Avery Barker scored the second goal of the
contest for Delton with an assist from
Kayleigh Belen.
The win moves the Panthers to 1-2-2 over-
all this season and 1-1 in the conference.
Delton Kellogg hadn’t scored a goal before
Monday evening. The Panthers finished in a0-0 tie with visiting Calhoun Christian last
Friday.
The SAC season started for DK with an
8-0 loss at Hackett Catholic Prep last Wednes-
day, April 13.
The Delton Kellogg girls were scheduled
to go on the road to face Schoolcraft in a SAC
ballgame Wednesday, April 20. The Panthers
will be at Black River Friday and then home
Monday for a SAC contest against Coloma.Valley girls control opener,
but can’t get one in net
Brett Bremer
Sports Editor
The Lions are still shooting for their first goal of the
season, but they did manage lots of shots at it last
Tuesday (April 12).
The Maple Valley varsity girls’ soccer team battled
to a 0-0 draw with Stockbridge in the first ballgame of
the season at Fuller Street Field in Nashville Tuesday.
It was the Greater Lansing Activities Conference
opener for both teams.
The Lions outshot the visiting Panthers 12-1, but
just couldn’t sneak one by the keeper.
“Usually that is a team that is a little bit better than
us, and we’ve grown a lot,” Lion head coach Richard
Seume said. “To be able to hold them to one shot is
pretty good.”
Junior center midfielder Lydia Schilz and freshman
forward Julia Mater had three shots each. Senior goal
keeper Cassidy Simpson saved the only shot that came
towards her net for the Lions.
Maple Valley held Stockbridge without a shot on
goal throughout the whole first half.
“In the first half, we took seven shots. We domi-
nated possession at least 75 percent of the time andI don’t believe they took a shot in the first half,”
Seume said. “In the second half they came out a
little stronger and they held the ball for a little bit
the first 10-15 minutes and then we made some
adjustments and started attacking again.” 12 shots
on goal and they ended up with one. I was disap-
pointed in.
The Lion coach said Schilz and fellow junior mid-
fielder Melaina Granger controlled the game for his
team.
Maple Valley is now 0-2-1 on the season after two
GLAC matches last week and one Tuesday. Laings-
burg scored an 8-0 win over the Lions at Fuller Street
Field Thursday. The Lions struggled to get out of their
end in the first half with the wind in their face.
“It was a complete battle against mother nature and
a really good team,” Seume said. “They’re fast and
really fast off the ball, with the ball hanging up they
just kept pressuring us and pressuring us.”
Perry scored a 1-0 win over the visiting Lions Tues-
day, April 19.
The Lions go on the road to face Leslie today, April
21, and then visit Carson City-Crystal for a non-con-
ference match Friday, April 22.Valley jumpers have their
best leaps yet in first meet
Brett Bremer
Sports Editor
The Maple Valley varsity track and field teams got
their season underway at Olivet High School Tuesday,
April 12, taking on perennial Greater Lansing Activi-
ties Conference powerhouse Olivet as well as non-
league foe Quincy.
The Lion boys’ and girls’ teams were both 0-2 for
the day. The host Eagles took a 120-9 win over the
Lion ladies and a 117-14 win over the Maple Valley
boys.
While some Quincy athletes went higher, the Lions
had their most success at the high jump pit where
sophomores Evan Brandenburg and Lilly Faurot
scored victories in their conference dual with the
Eagles.
Brandenburg won the boys’ high jump by clearing
5 feet 2 inches setting a new personal record. Faurotwon the girls’ high jump by clearing the bar at 4-
which matches her best jump ever which she set at
regionals last spring.
Faurot also ran to a runner-up time of 2 minutes
51.87 seconds in the 800-meter run, finishing behind
Olivet sophomore Olivea Gessner who hit the finish
line in 2:45.90.
Maple Valley got a third-place point from sopho-
more Alexa Reitz in the dual with the Eagles with her
time of 23.06 seconds in the 100-meter hurdles.
Brandenburg added a second-place time of 25.
and a third-place time of 12.22 in the 200-meter dash
and the 100-meter dash respectively against the
Eagles. Olivet junior Hito Gallimore won both those
sprints taking the 100 in 11.94 and the 200 in 24.66.
Daniel Perez scored in a pair of races for the Lions
against the Eagles. He was second in the 400-meter
dash in 59.97 seconds and third in the 800 in 2:37.88.Delton Kellogg's Chloe Tarkkansen (5) steps in front of a pass intended for Calhoun
Christian’s Alex Kersten (13) during their match Friday in Delton. (Photo by Perry
Hardin)Delton Kellogg’s Graveila Romero (2)
fires a throw-in up the left side during the
first half of her team's win over visiting
Calhoun Christian Friday. (Photo by Perry
Hardin)SPECIAL ELECTION
NOTICE IS HEREBY GIVEN THAT A SPECIAL ELECTION
WILL BE HELD IN THE:
COUNTY OF BARRY
STATE OF MICHIGAN
TUESDAY, MAY 3, 2022
FOR
SPECIAL ELECTIONTHE PLACES HOLDING THE ELECTION IN SAID MUNICIPALITIES ARE INDICATED BELOW:ASSYRIA TOWNSHIP Precinct 1 8094 Tasker Road, Bellevue, MI 49021
BALTIMORE TOWNSHIP Precinct 1 3100 East Dowling Road, Hastings, MI 49058
BARRY TOWNSHIP Precinct 1 155 E. Orchard Street, PO Box 705, Delton, MI 49046
CARLTON TOWNSHIP Precinct 1 85 Welcome Road, Hastings, MI 49058.(hosting Woodland Twp.)
CASTLETON TOWNSHIP Precinct 1 915 Reed Street, PO Box 679, Nashville, MI 49073 (hosting Maple Grove Twp.)
HASTINGS CHARTER TWP. Precinct 1 885 River Road, Hastings, MI 49058
HOPE TOWNSHIP Precinct 1 5463 S. M-43 Hwy., Hastings, MI 49058
IRVING TOWNSHIP Precinct 1 3425 Wing Road, Hastings, MI 49058
JOHNSTOWN TOWNSHIP Precinct 1 13641 S. M-37, Battle Creek, MI 49017
MAPLE GROVE TWP. Precinct 1 721 Durkee Street, Nashville, MI 49073 – voting at Castleton Twp.
ORANGEVILLE TWP. Precinct 1 7350 Lindsey Rd., Plainwell, MI 49080 (hosting Yankee Springs Twp.)
PRAIRIEVILLE TWP. Precinct 1 10115 S. Norris Road, Delton, MI 49046
RUTLAND TOWNSHIP Precinct 1 & 2 2461 Heath Road, Hastings, MI 49058
WOODLAND TOWNSHIP Precinct 1 156 S. Main PO Box 98, Woodland, MI 48897 – Voting at Carlton Twp.
YANKEE SPRINGS TWP. Precinct 2 1 425 S. Payne Lake Road, Wayland, MI 49348 – Voting in Orangeville Twp.
CITY OF HASTINGS Ward 1, 2, 3 & 4 Hastings Baptist Church, 309 East Woodlawn, Hastings, MI 49058TO VOTE ON THE FOLLOWING PROPOSITIONS
LISTED BELOW:HASTINGS AREA SCHOOL SYSTEM
GENERAL OBLICATION UNLIMITED TAX BOND PROPOSAL
FOR BUILDING AND SITE PURPOSES IN THE AMOUNT OF
NOT TO EXCEED $23,900,Full text of the ballot proposition may be obtained at the ad-
ministrative offices of Hastings Area School System, 232 West
Grand Street, Hastings, Michigan 49058-2298, telephone (269)
948-4400.
Please take further notice that the bonds of the school District,
if approved by a majority vote of the electors at this election, will
be general obligation unlimited tax bonds payable from general
ad valorem taxes.DELTON KELLOGG SCHOOLS
OPERATING MILLAGE PROPOSAL
EXEMPTING PRINCIPAL RESIDENCEAND OTHER PROPERTY EXEMPTED BY LAW
1.89 MILLS FOR 4 YEARS TO RESTORE HEADLEE REDUCTIONFull text of the ballot proposition may be obtained at the adminis-
trative offices of Delton Kellogg Schools, 327 North Grove Street,
Delton, Michigan 49046-9701, telephone (269) 623-1501.GULL LAKE COMMUNITY SCHOOLS
SINKING FUND MILLAGE RENEWAL PROPOSAL
0.6334 MILLS FOR 9 YEARSFull text of the ballot propositions may be obtained at the admin-
istrative offices of Gull Lake Community Schools, 10100 East D
Avenue, Richland, Michigan 49083, telephone: (269) 548-3400.Sample ballots may be viewed at http://www.mi.gov/vote.THE POLLS OF SAID ELECTION WILL BE OPEN AT 7
O’CLOCK A.M. AND WILL REMAIN OPEN UNTIL 8 O’CLOCK
P.M. ON THE DAY OF ELECTION.
Absent voter ballots must be mailed to voters no later than 5:00 p.m. on Friday, April 29, 2022. Registered voters may
contact their local Clerk to obtain an application for an absent voter ballot. For any other questions relating to the elec-
tion process, please contact your local Clerk:ASSYRIA TOWNSHIP Annette Terry 269-968-
BALTIMORE TOWNSHIP Penelope Ypma 269-721-
BARRY TOWNSHIP Debra Knight 269-623-
CARLTON TOWNSHIP Amanda Brown 269-945-
CASTLETON TOWNSHIP Marcia Scramlin 517-852-
HASTINGS CHARTER TWP. Anita Mennell 269-948-
HOPE TOWNSHIP Deborah Jackson 269-948-
IRVING TOWNSHIP Sharon Olson 231-373-
JOHNSTOWN TOWNSHIP Sheri Babcock 269-721-
MAPLE GROVE TOWNSHIP Holly Carpenter 517-490-
ORANGEVILLE TOWNSHIP Melody Risner 269-664-
PRAIRIEVILLE TOWNSHIP Rod Goebel 269-623-
RUTLAND 1 & 2 TOWNSHIP Robin Hawthorne 269-948-
WOODLAND TOWNSHIP Nancy Stanton 269-367-
YANKEE SPRINGS TWP. 2 Mike Cunningham 269-795-
CITY OF HASTINGS Jane Saurman 269-945-PAMELA A. PALMER, COUNTY CLERK 179132