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THE LEADER • Thursday, August 4, 2011 • A5
FINANCIAL FOCUS
Time to reexamine your retirement plans? As a nation, we appear to be getting nervous about retirement. We aren’t sure if we’ll have enough money, and we don’t know if we’ll be able to retire when we had originally planned. That’s why you may want to review your financial strategy both before and during retirement. Before we look at some actions you might take, let’s get a sense of how concerned many Americans are about their future: • Less confidence — The percentage of workers who are “not at all confident” about having enough money for a comfortable retirement is now at 27%, according to the 2011 Retirement Confidence Survey, sponsored by the Employee Benefit Research Institute. This figure is the highest level measured in the 21 years of the Retirement Confidence Survey. • Later projected retirement age — Back in 1995, over half of those surveyed in a Gallup Poll said they expected to retire when they were under age 65, while about 15% thought they would retire after age 65. But in 2010, the same Gallup Poll showed that just 29% of survey respondents expected to retire before they reached 65, while 34% planned to work beyond 65. This lowered confidence and the expectation of having to work past 65 are due in part to the Great Recession and the housing mar-
ket collapse, which combined to reduce the savings of many future retirees. You can’t control these types of factors, but you can do a lot to boost your prospects for a comfortable retirement — both before and after you retire.
Security. You can start taking Social Security at any time from 62 to 70, but the longer you wait, the bigger your monthly payments. Your decision on when to take Social Security should be based on the amount of income you can expect from a Before You Retire: pension or your invest• Estimate your expensment portfolio, plus es. Try to estimate about any income you might how much money you’ll receive from employneed each year of your ment. FINANCIAL FOCUS retirement. • Determine your S TEVEN J. JONES • Contribute to your withdrawal rate. You’ll retirement plans. Put as need to calculate how much as you can afford into your much you can safely withdraw 401(k) or other employer-spon- from your various retirement sored retirement plan, such as a accounts each year. Your with403(b) or 457(b) plan. Each time drawal rate will depend on several you get a raise, boost your annual factors, including your lifestyle, contribution to your retirement your estimated longevity, your plan. Also, try to fully fund your other sources of income and the traditional or Roth Individual level of inflation. You may need Retirement Account (IRA) each to adjust your withdrawal rate year. periodically. These aren’t the only factors After You Retire: involved in preparing for, and liv• Evaluate your employment ing in, retirement, but they should prospects. You may have retired give you a good idea of what you from one career, but that doesn’t need to do to enjoy the lifestyle mean you can’t work part time, you’ve envisioned. do some consulting or even open your own business. If you think This article was written by Edward you’d enjoy doing some type of Jones for use by your local Edward Jones work, the added income can obvi- Financial Advisor. Steven Jones is an ously be quite helpful at this stage Edward Jones financial advisor in Atoka. Visit him at 360 Atoka-McLaughlin Drive of your life. • Decide when to take Social or call 901-837-9772.
VIEW
Continued from A4 like to thank the Munford Parks and Recreation Department as well as the Munford Police and Fire Departments for donating their time and knowledge during our summer reading program finale. The Munford Tipton County Memorial Public Library exists to serve the public and we are proud to be a part of a business community that shares that goal. Dara Gonzales Library Director, Munford Tipton County Memorial Public Library
PUBLIC RECORDS
Under arrest
The following persons were arrested in Tipton County and booked into the Tipton County Correctional Facility during the week of July 24-30, 2011. ▪ Beddingfield, Bonnie Elaine, 25, resist stop/ frisk/halt/arrest/search (July 24) ▪ Belcher, Jada Leigh, 35, vandalism (July 28) ▪ Bodkins, James Cody, 21, tampering with evidence (July 24) ▪ Boyd, Bryan Antonio, 25, burglary, possession of a controlled substance, theft (July 29) ▪ Boyland, Janice Bee, 51, possession of schedule IV (July 29) ▪ Broadnax, Marterick, 18, burglary, vandalism, unauthorized use of auto/joyriding, theft under $500 (July 29) ▪ Brown, Rodrick Deon, 21, sale of alcoholic beverage (while license pending; July 26) ▪ Brown, Tobie Oriska, 37, driving on rev/susp/ canc license (July 30) ▪ Burnett, Barry Lamont, 19, aggravated burglary (July 27) ▪ Carrico, Larry Wayne, 37, aggravated assault (no injury; July 24) ▪ Childs, Whitney Shardea, 20, vandalism (July 28) ▪ Christopher, Dale Terrell, 30, possession of marijuana with intent to sell (July 26) ▪ Compton, James Mitchell, 53, possession of schedule IV, possession of legend drug without prescription, DUI 1st offense, driving left of center of roadway (July 25) ▪ Creasy, Dwight Glenn, 54, forgery (July 25) ▪ Currie, Jonathan Lamar, 21, domestic assault (July 27) ▪ Davis, Cary Ray, 28, domestic assault (July 24) ▪ Deberry, Joey Darnel, 44, domestic assault (July 29) ▪ Dickerson, Chester Lee, 44, burglary (July 29) ▪ Duke, Amanda Marie,
31, driving on rev/susp/ canc license, simple possession of marijuana (July 25) ▪ Dunlap, Brandon Lee, 21, driving on rev/susp/ canc license, driver to exercise due care, theft under $10,000 (July 26) ▪ Ells, William Hunter, 33, promotion of meth manufacturing, driving on rev/susp/canc license (2 cts; July 26) ▪ Emerson, Joel Michael, 19, possession of controlled substance (July 27) ▪ Engwall, Joseph Adam, 34, public intoxication (July 24) ▪ Fayne, Broderick Devonte, 19, aggravated burglary, vandalism, aggravated assault (no injury; July 26) ▪ Fleming, Matthew Curtis, 21, driving on rev/susp/canc license (July 24) ▪ Flynn, James Paul, 19, domestic assault (July 27) ▪ Frost, Johnny Lee, 56, failure to pay child support (July 28) ▪ Gaynor, Brandon Michael, 25, DUI 1st offense (July 29) ▪ Gerlach, Lisa Gail, 39, driving on rev/susp/ canc license (July 28) ▪ Gillespie, Randy Zane, 18, domestic assault (July 26) ▪ Gillispie, Bradley Alexander, 33, driving on rev/susp/canc license (July 25) ▪ Governatori, Shani Ann, 41, domestic assault (July 30) ▪ Grubb, Anthony Wayne, 42, driving on rev/susp/canc license (July 27) ▪ Gurley, Michael Sean, 22, DUI 1st offense (July 28) ▪ Hall, Steve Allen, 24, theft under $10,000 (3 cts), burglary, theft over $1000 (July 28) ▪ Hanson, Michael Carl, 34, domestic assault (July 24) ▪ Hayes, Nicholas Deon, 21, theft (July 29) ▪ Hayes, Sarrah Kaye, 22, domestic assault SEE ARREST, PAGE A18
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$2 Bottles
Most Wanted Seen one of these people? If so, call: 24-hour number: Central Dispatch 901-475-4300 Sheriff’s Office Tipline: 901-475-3307; email: sheriff@tiptonco.com Tipton County CrimeStoppers 901-476-4411 Or contact any local law enforcement agency to report any of these people.
Poole, Katrina Louise Born: 12/12/1987 430 Haynie Street Covington, TN 38019 Charge: Theft under $10,000
Doyle, Billy Lewis Born: 11/27/1967 1845 Holly Grove Road Covington, TN 38019 Charge: Possession of schedule II with intent
Fields, Victor Lee Born: 03/11/1983 203 Red Oak Ashland, MS 38603 Charge: Theft over $500
Johnson, James Sherman Born: 02/28/1946 173 Campbell Drive Covington, TN 38019 Charge: Driving on revoked license
Jones, Dantonio Born: 07/04/1982 257 Pryor Road Drummonds, TN 38023 Charge: Violation of the sex offender act
Jones, Jason Dewayne Born: 07/27/1980 4270 Carter Road Millington, TN 38053 Charge: Possession of schedule II with intent
Leavy, Santonio Earl Born: 08/09/1982 1380 Sandpiper Covington, TN 38019 Charge: Possession of schedule II with intent
Odom, Steven Michael Born: 01/30/1986 992 Hwy. 51 N. Apt B. Covington, TN 38019 Charge: Theft under $10,000
Peak, Ginger Jones Born: 05/02/1967 883 South Cox Memphis, TN 38104 Charge: Theft over $1,000
Wilson, Richard Dwight Born: 08/05/1962 5306 Beaverton Drive Memphis, TN 38127 Charge: Intent to manufacture meth
NOW OPEN Monday - Saturday 1 p.m. - 3 a.m.
2951 Highway 51 North
Happy Hour Everyday
TIPTON COUNTY’S
South of “The Farm” 901-313-9344 This Saturday:
George Pruitt 10 p.m. - 2 a.m.
Karaoke Fridays Live Band Saturdays
RICHARD MCFALL ATTORNEY AT LAW Divorce • DUI • Auto Accident • Criminal Defense Child Support • Custody & Visitation • Probate Night and weekend appointments available TELEPHONE ANSWERED 24/7
475-6735 118 W. Pleasant Avenue • Covington, TN 38019 On the Square
CRIME STOPPERS OF TIPTON COUNTY INC. is offering a cash reward of up to $1,000 for information leading to the arrest and indictment of the person or persons responsible for the deaths of:
John Curtis Rann, a 24-year-old white male who was found dead with several gunshot wounds on Black Springs Hill Road in southwest Tipton County on Dec. 5, 1986. Rann had been missing since November 26, 1986. Johnny Poole, a 23-year-old white male whose partially burned body was found on Oct. 25 1988, in his burning pickup truck near the boat landing at Piljerk, on the Hatchie River. Poole had a gunshot wound in his back. If you have any information about either of the crimes, call Crime Stoppers at 901-476-4411. You will NOT be required to give your name or testify in any court. The source of information given to Crime Stoppers will be held in strict confidence. A SERVICE OF:
The Leader and the Tipton County Sheriff’s Office DO NOT ATTEMPT TO ARREST OR DETAIN ANY OF THE SUBJECTS OF THE WARRANTS LISTED IN THIS DATABASE. The list is current at the time of publishing and therefore recent changes in the status of warrants may not be reflected. It is possible that some warrants have been resolved and the matter is no longer pending. This information is being provided as a service to the public; however, neither the Tipton County Sheriff ’s Office nor The Leader cannot guarantee nor assume any liability for the accuracy of the information at the time of use. All warrants must be verified for accuracy through our system prior to an apprehension. All persons charged are presumed innocent until proven guilty in a court of law. NO ATTEMPT SHOULD BE MADE TO APPREHEND THESE INDIVIDUALS EXCEPT BY LAW ENFORCEMENT OR PEACE OFFICERS. SOME INDIVIDUALS MAY BE ARMED AND SHOULD BE CONSIDERED DANGEROUS. If you recognize a name on the list, if you find your name, or if you find a discrepancy, please contact the Tipton County Sheriff ’s Office at 475-3300 or via email at sheriff@tiptonco.