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by Star News
DERICK NEWTON
FINANCIAL ADVISOR
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As you know, inflation was big news throughout 2022. But will it continue in 2023? And looking even further ahead, how should you account for inflation in your long-term plans?
In regard to the first question, many experts predict that inflation will cool off this year, though there are no guarantees. The high inflation of last year is thought to have been caused by some unusual factors, such as a spike in the demand for consumer goods as the world came out of the COVID-19 pandemic, which led to supply chain issues. Also, the war in Ukraine drove up oil prices, increasing the cost of manufacturing and shipping and driving up the price of wheat and other commodities.
In any case, last year reminded us that inflation needs to be reckoned with as you work toward your financial goals. But how you respond to inflation will depend somewhat on your stage of life. So, here are some suggestions to consider:
If you’re still working … Contribute more to your retirement plans. If you can afford to put more money away in your IRA and 401(k), you may want to do so. The more resources you’ll eventually have available in retirement, the better protected you are against the rising cost of living.
Adjust your portfolio objectives with your financial professional. Using tools such as “hypothetical” illustrations, a financial professional can show you some different paths you might take with your investments, given different rates of inflation. So, for example, if you feel that inflation may be higher for a longer period than you once thought, you could request a hypothetical showing how you might need to adjust your investment mix to achieve your long-term goals, given your risk tolerance and time horizon.
If you’re already retired … Consider parttime work or consulting. Once you retire from your career, it doesn’t mean you can never do any paid work again. If you’ve accumulated years of experience and expertise, you could use your skills as a consultant. Also, many part-time jobs are available for retirees. With the added income from employment, you may be able to delay taking withdrawals from your retirement accounts and other investments, possibly extending their longevity. (Once you turn 72, though, you will need to begin taking money from your 401(k) and traditional IRA.)
Delay taking Social Security. You can begin taking Social Security when you’re 62, but your monthly checks will be substantially bigger if you wait until your full retirement age, which will likely be between 66 and 67. (You could even wait until 70, at which point your monthly benefits will max out.) Of course, the ability to delay taking Social Security depends on whether you can afford it, but it may be possible if you work longer than you once planned or if you work part time in retirement. But even if you do need to take Social Security before your full retirement age, your payments will be adjusted annually for inflation — in fact, for 2023, benefit checks will rise 8.7% over 2022.
We’ll always have to deal with some level of inflation, so it’s a good idea to be prepared.
Derick Newton is financial advisor, 937B Maple Street, Carrollton, GA 770-832-9515
Cold damage on pastures?: prolonged cold weather during Christmas holiday
Dr. Lisa Baxter State Forage Extension Specialist UGA-Tifton The prolonged cold weather during the Christmas holiday has a lot of producers asking, “Are my winter annuals going to regrow?” Unfortunately, there isn’t a clear answer. Many cool season forages can handle subfreezing temps for short periods and the degree of damage depends on air temperature, soil temperature, topography, winter precipitation, stand health, stand age, and stage of growth. Potential for recovery will depend on how much growth and what stage the plant was at before the cold snap.
More advanced growth stages will be less susceptible to winter kill compared to tender young growth. Unfortunately, many producers planted late last fall because of late season drought so the plants may not be at the same stage of growth as in a “normal” year. Cold tolerance will even depend on temperature and variety in many cases. Oats are generally less winter hardy than other small grains and can suffer substantial yield loss when temperatures dip below 20°F. Ryegrass is likely intermediate to oats and other small grains in terms of winter hardiness, but there is a wide range within varieties.
When forages experience subfreezing temperatures, plant cells can break or rupture which contributes to darker color leaves. Cell death can occur when ice forms within the plant cells. The impact of freezing weather on forage quality is mixed and highly variable. The damaged forage may have a lower quality than what you were anticipating. Watch your cows closely for loss of condition and supplement their diet as needed to accommodate this difference.
The best way to combat cold damage is prevention. Plants need good leaf area during the fall to synthesize carbohydrates and accumulate organic reserves before winter. High K:N ratios in soil will help ensure winter hardiness as well. Once temperatures warm back up, growth of the forages will be slow. Optimum temperatures for winter annual forages are typically between 60-80°F. Be careful grazing the vulnerable plant material. Graze carefully and give the plants time to rest.
Short answer: only time will tell if the forages are going to regrow this season.
MORE INTERNET from front page sion through the Capital Projects Fund Grant Program. Carroll County will receive $9.86M ($9,861,589) for 3173 locations through Comcast Cable Communications. These awards will improve connectivity in 28 Georgia counties that have 455,000 unserved locations..
On August 12, 2022, Governor Kemp announced the creation of the Capital Projects Fund Grant Program, utilizing funds from the American Rescue Plan Act. The Governor’s Office of Planning & Budget and the Georgia Technology Authority worked together to identify the most unserved and underserved counties in the state and establish a competitive grant program.
These awards also follow the historic $408
million in preliminary grant funds that the state announced in February of last year. Together, the programs equal nearly $650 million in grant funds that will work hand-in-hand with hundreds of millions of additional matching funds. These investments and the projects associated with these two grant programs aim to serve roughly 200,000 of the remaining 455,000 unserved locations in the state. The 29 awardees announced include 12 different internet service providers comprised of EMCs, large telecommunications companies, and local Georgia-based companies. The state will open a second round of the Capital Projects Fund Grant Program for the five eligible counties that did not receive an award this Spring (Calhoun, Echols, Johnson, Miller, and Webster Counties). Carroll County marriage licenses
DECEMBER 1-31, 2022
Carroll County pistol permits
Number of Weapons Carry Permits applied for: DEC. 1-31, 2022: 152
Concerning Weapons Carry Permits:
On April 12, 2022, Governor Brian Kemp signed into law the Georgia Constitutional Carry Senate Bill 319 and the License Reciprocity Measure House Bill 218 which now allows a lawful weapons carrier to carry a concealed weapon without a gun permit requirement. A background check is still required in order to purchase weapon - and the applicant must pass the background check - but a permit to carry is now longer required.
Georgia is one of 24 states that now has Constitutional Carry which follows the intent of the Second Amendment of the Constitution allowing the right to bear arms. Carroll County births
DECEMBER 1-31, 2022:
Tanner Medical Center, Carrollton: Girls: 61 Boys: 59 Tanner Medical Center, Villa Rica:� Girls: 31 Boys: 24 Carroll County cattle receipts
Carroll County Sales Barn 225 Sales Barn Road, Carrollton January 2, 2023: 442 December 26, 2022: CLOSED December 19, 2022: CLOSED December 12, 2022: 397 Carroll County jail population
Total population as of JANUARY 4, 2023: 413 Males: 352 Females: 61 (The Jack T. Bell Detention Center, 1000 Newnan Road,Carrollton) Carroll County prison population
Total population as of JANUARY 4, 2023: 229 Capacity: 246 Males: 100% The Carroll County Correctional Institute is a separate entity from the Carroll County Jail (which houses males and females on a temporary basis)
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Page 22 January 15, 2023 StarNews www.starnewsgaonline.comPage 16 August 11, 2019 StarNews www.starnewsgaonline.comPage 16 August 11, 2019 StarNews www.starnewsgaonline.comOBITUARIESPage 16 August 11, 2019 OBITUARIES OBITUARIES OBITUARIESStarNews www.starnewsgaonline.com
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Dwight Bishop, Jr., age 62, born September 28, 1956, died Tuesday, July 9, 2019
Earl Wayne Carden, age 80, born October 29, 1938, died Friday, June 28, 2019
Shirley F. Alexander, age 71, Jerry Scott Shedd, age 53, born November 27, 1947, died died Monday, July 8, 2019 Sunday, July 14, 2019 David Ronald Simpson, age
Dwight Bishop, Jr., age 62, 70, born July 21, 1948, died July born September 28, 1956, died 09, 2019 Tuesday, July 9, 2019 Zellie Fred Sprewell, age 94,
Donald Brasseal “Don” Bonner, born February 28, 1925, died age 76, born June 05, 1943, died Saturday, July 27, 2019 Wednesday, July 10, 2019 Daniel Lance Walker, age 40,
John D. Brown, Jr., age 53, born September 18, 1978, died born August 18, 1965, died July Sunday, July 21, 2019 22, 2019 Deborah “Debbie” Ann West,
Marie Elizabeth Phillips Bryce, age 58, died July 22, 2019 age 89, born September 14, 1929, Wallace Allen Worthan, age died Saturday, July 20, 2019 56, died Monday, July 15, 2019
Earl Wayne Carden, age 80, Carol Judith Chapman, age 55, born October 29, 1938, died born June 24, 1964, died Sunday, Friday, June 28, 2019 July 7, 2019
Tiffanee Dawne “Tiff” Cook, Jerry Scott Shedd, age 53, age 45, born October 12, 1973, died Monday, July 8, 2019 died Friday, July 12, 2019 David Ronald Simpson, age
James B. Dean, age 92, 70, born July 21, 1948, died July born September 02, 1926, died 09, 2019 Wednesday, July 3, 2019 Zellie Fred Sprewell, age 94,
Barry Bushon Dickerson, age born February 28, 1925, died 68, born September 7, 1950, died Saturday, July 27, 2019 Daniel Lance Walker, age 40,
Bobbie Jean Dodderer, age 84, born September 18, 1978, died born July 9, 1935, died Monday, Sunday, July 21, 2019 Deborah “Debbie” Ann West,
Anna Marsella Fazio, age age 58, died July 22, 2019 85, born on Jan 1, 1934, died Wallace Allen Worthan, age 56, died Monday, July 15, 2019
Harris Nell Griffin Jennings, Carol Judith Chapman, age 55, age 83, died Tuesday, July 2, born June 24, 1964, died Sunday, July 7, 2019
Deborah “Debbie” Jane Ashworth, Jerry Scott Shedd, age 53, died Monday, July 8, 2019age 70, born September 28, 1952, died December 25, 2022 David Ronald Simpson, age 70, born July 21, 1948, died July 09, 2019 Zellie Fred Sprewell, age 94, William Daniel Burns, age 93, born December 5, 1929, died December 5, 2022 born February 28, 1925, died Margie Ruth (Adams) Carter, age 73, Saturday, July 27, 2019 born August 3, 1949, died December 2, 2022 Daniel Lance Walker, age 40, born September 18, 1978, died Sunday, July 21, 2019 Deborah “Debbie” Ann West, William Thomas Coffey, age 47, born August 18, 1975, died December 23, 2022 age 58, died July 22, 2019Richard Frank Graziano, age 77, born Wallace Allen Worthan, age January 18, 1945, died December 19, 2022 56, died Monday, July 15, 2019Mary Ruth Hall, age 98, born May 9, 1924, died December 30, 2022 Carol Judith Chapman, age 55, born June 24, 1964, died Sunday, July 7, 2019
Charles Stanley King Jr., age 82, born April 4, 1940, died December 6, 2022
Darrell Frank “Buddy” Landrum, age 79, died December 29, 2022
William Joseph Martin, Jr., age 90, born December 14, 1932, died January 1, 2023 Deborah Jean Mullen, age 56, born June 25, 1966, died December of 2022
Johnny Eugene Reynolds, age 71, died January 1, 2023
Leigh Ann Tucker Reynolds, age 65, born June 27, 1956, died December 19, 2022
John L. Sandrene, Jr., age 76, born December 2, 1946, died December 9, 2022
Mollie Dean Skinner, age 70, born November 19, 1952, died December 2, 2022 Shirley F. Alexander, age 71, born November 27, 1947, died Sunday, July 14, 2019
James “Jimmy” Robert Stamps, age 56, Dwight Bishop, Jr., age 62, born October 26, 1966, died December 5, born September 28, 1956, died Tuesday, July 9, 2019 2022 Alphonso Lee Starkey, age 80, died December 20, 2022 Donald Brasseal “Don” Bonner, age 76, born June 05, 1943, died Wednesday, July 10, 2019
Mark Gilbert Stecher, age 64, born May John D. Brown, Jr., age 53, 20, 1958, died December 11, 2022born August 18, 1965, died July 22, 2019 Patricia Diane Tidwell, age 61, born April 20, 1961, died December 13, 2022 Thomas Rodney Ward, age 67, born Marie Elizabeth Phillips Bryce, age 89, born September 14, 1929, died Saturday, July 20, 2019
February 8, 1955, died December 29, 2022Earl Wayne Carden, age 80, Jimmy Wilson, age 86, born on September born October 29, 1938, died Friday, June 28, 2019 28, 1936, died December 31, 2022
Tiffanee Dawne “Tiff” Cook, Master Danny Joe Jones, Jr., age 45, born October 12, 1973, age 2 months, born May 16, 2019, died Friday, July 12, 2019 died Thursday, July 4, 2019
James B. Dean, age 92, “Marjorie” Nell Lovvorn, age born September 02, 1926, died 86, born August 3, 1932, died Wednesday, July 10, 2019
Barry Bushon Dickerson, age Andra Dixon McGill, age 76, 68, born September 7, 1950, died born October 18, 1941, died Wednesday, July 17, 2019
Bobbie Jean Dodderer, age 84, Eugene Parker Mullis, Jr., age born July 9, 1935, died Monday, 70, born December 31, 1948, died Monday, July 8, 2019
Anna Marsella Fazio, age Randy Lee Nichols, age 66, 85, born on Jan 1, 1934, died born June 24, 1953, died Friday, July 26, 2019
Harris Nell Griffin Jennings, Ara Bell D. Sanders, age 79, age 83, died Tuesday, July 2, born August 06, 1939, died July 24, 2019
Zellie Fred Sprewell, age 94, born February 28, 1925, died Saturday, July 27, 2019
Deborah “Debbie” Ann West, age 58, died July 22, 2019
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