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The Hogansville Herald
Manchester, Georgia
January 21, 2016     The Hogansville Herald
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January 21, 2016

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West Central Georgia Hogansville Herald How to Keep Resolutions For Finances Whether you're talking about diet, exercise or money, keeping New Year's resolutions is challenging. A University . of Scranton researcher noted that ".weight loss" is the current reigning res- olution, followed by "improve finances" at No. 2. ‘ And while the study showed that roughly 40-46 percent were successful in their specific goal at the six-month mark, more than half gave up. Your personal finances need more dedication than that. ' If you want to add some fairly easy money resolutions that can help your finances overall, consider the following: Harris County and The Harris County , MAKE your first budget or do a bet- ter job of reviewing the one you have. A 2013 Gallup survey reported that only One-third of Americans actually prepare 5 detailed household budget. Make your first resolution to create or review your household budget so you know where your finances stand at all times. Budgeting involves day—to-day track- ing of finances, but having a quick way to determine your net worth — your assets minus your liabilities - offers the biggest picture of how you're doing and What next steps you might take to improve your circumstances. Make this calculation an annual kickoff to the New Year. Having an emergency fund means you're always ready for the unexpected. 1‘hefi%fage”étnergéfidy‘fund generally adrsiitnreere‘sianbaas‘a daily: expenses ~ yours could be more or less. ' Keep in mind that the primary purpose of an emergency fund is to keep you away from savings when unexpected expenses happen. ' Depending on your comfort level with all things digital, virtually every aspect of your financial life can be man- aged online or with computer-based soft- yvare. From setting up a basic paper or gnline calendar to track pay dates, bill ‘due dates and deposit dates for savings and investments, a daily series of reminders and action items will keep your money issues on time and on track. From Staff Reports The Manchester Star-Mercury, Meriwether Vindicator and Harris County Journal earned five awards last week during the annual Trib Publications Better Advertising Contest. The event, held at the Warm Springs Community Center, brought newspapers from throughout Georgia, Alabama and South Carolina to the area for a seminar and award banquet. The Manchester Star-Mercury earned four awards including: first place in Best Advertising Idea for 2015; third place for best automotive ‘ ‘ advertisement a Foster Auto Sales ad; and third the newspaper’s annual Progress Edition. The contest judged by former Publisher of the CamellaEnterprise, Roder Anne Davis judged the contest entries. ,“This is a good ad,” Davis said of the Foster Auto Sales advertisement. “I really liked the Seriously Overstocked Sale in three colors and . staked close. The ad is eye-catching and easy to read. The information on the cars‘is good.” The first place Best Adveristing Idea award “was the top award taken by the newspapers. It ,was a July 4th Flag promotion. “The page features a flag, one that can be , RECOMMIT to retirement. If you're employed or self-employed, here's how to make a retirement savings resolution stick. First, make sure you're signed up for a 401(k), 403(b) or 457 plan at work or a corresponding SEP-IRA, self-direct— ed 401(k) or other self-employment. retirement plan that fits your tax and financial situation. Then check what your 2016 maximum contribution (www.irs.gov) is for your respective plan. Finally, through budgeting or a plan to bring in more income, determine how you can come as close to your maxi- mum contribution as possible for the Coming year. And of course, don't forget about Traditional or Roth IRAs that you contribute to independently of work- . based plans. ‘ ‘ Review your non—retirement benefits and insurance. For most employed and self—employed people, open enrollment for health and other company benefits Wrapped up before year-end. But that doesn't mean you can't make notes at WELCOME Trib Publications, Inc. President Robert “Bob” Tribble wel- comed all the news— paper staffs. NEWSPAPERS EARN AWARDS The Manchester Star-Mercury, Meriwether Vindicator and Journal earned five awards during the annual Trib Publications, Inc. annual Best Advertising Contest for its newspapers in Georgia, Alabama and South Carolina. The Manchester Star-Mercury earned three awards, The Meriwether Vindicator was the recipient of one award Journal won one award. Pictured left to right are: Advertising Bryan Geter, Advertising Sales Representative Paige Kuykendall and Publisher John Kuykendall. Ad-rnirable Newspapers Win Awards for Advertising Ideas, Successes ,jffpiaee fift’fi’fghés‘f 'Réver‘iu‘é ‘s‘p‘ééieil‘ section":! a Business 5-A Director placed on a wall or in a special spot in the home or business, is excellent,” Davis said. “Both the flag and the ads supporting this idea are well done. A great idea.” The Meriwether Vindicator earned a third place award for best use of color in advertising for a single color ad for Southern Carts. “The colors, whether process or spot, make this ad standout," Davis said. “Great job.” The Harris County Journal earned a thrid place award for Best Signature Page, and Easter events page. “This newspaper spotlighted Easter events, {placingeaeh‘ofthem‘in an Easter Egg design, ’tandisél‘fifi‘g’ manage to local‘ttie‘i‘c‘han‘tsT’Davfi' ‘ '_ said. “The graphics cf the eggs and the ads are original and excellent. This page surely gained the reader’s attention to events that mean a great deal to the community. Good jo .” “We are proud of these awards because it speaks highly of our sales staff, our production department and our press room,” said John Kuykendall, publisher of the newspapers. “We strive each and every week to produce quality newspapers that are eye appealing and get our advertisers response. Earning thismany awards says our staff is doing a good job and I’m proud of them.” PROVIDING ENTERTAIN- MENT Mike Swetnam (left) and Tom Gavin (right) mem- bers ofthe First Baptist Church of Manchester entertained for the Trib Publications, Inc. annual B e s t Advertising contest ban- quet held Friday night in Warm Springs. increase their fees any point in the year for possible changes and improvements to your health insurance and related tax-advan- taged accounts. The same goes for reviewing your personal home, auto, life and disability coverage for potential sav- ings and/or better Coverage. choices. FIND MORE MONEY to save. Whether it's adjusting what you spend, paying off expenses or finding ways to bring in more income, saving more is One of the best financial objectives there is. The first step is to track and set spending limits — those limits will help you reset or eliminate expenses that are Standing in the way of your goals. Bottom line: Making New Year's res- olutions always sounds like a good idea at the time, but keeping them requires fdetermination, study and focus. This year, build the kind of money habits that position you for success. Nathaniel Sillin directs Visa's finan- cial education programs. Just when you thought good old fashioned printed books would become a thing of the past. Savvy business owners are becoming aware of the positive impact writ- ing a book can have on their busi- ness. It's becoming known as 'au- thority books.‘ Business owners and entrepreneurs are catching on to this new practice, and writing books to help stand out from the fierce competition in the business world. Authoring a book can have a dramatic impact for business own- ers. According to research done by the Rain Consulting Group, busi- ness owners who wrote a book reported the following benefits: 095% reported that it helped them get more leads 085% reported it enhance their brand 053% said it helped them helped- -48% said it helped them gain higher quality clients Terence 'I'am, founder of iStar Publishing and author of the book, "Why Your Business Needs a Boo " believes that for business owners, the main purpose of writing a book is not to gain book sales. He says, "Business owners should not write to sell books, but the books they write should sell their business." The main benefit he sees by authoring a book, is that it can enhance an entrepreneur's per- ceived expert status and be seen by customers as someone that's credible. It helps build the perceived 'au- thority' that one has. This helps them stand out from the competition in a manner that is not easily copied. Tam argues that is the reason many successful entrepreneurs Thursday, Jan. 21, 2016 Tourism BOIIGflIS Proven III Stats By ANDY KOBER . That tourism is the econom- ic engine that helps drive Harris County is without doubt and efforts are being made to bring even more tourists to the area. That was the message deliv- ered to the Pine Mountain 'Ibwn Council last week by Hank Arnold, Executive Director of the Pine Mountain Tourism Association. In her report, Arnold noted that Callaway Gardens, FD Roosevelt State Park along with area merchants and restau- rants, benefitted from the huge number of visitors in November and December. Of course, most of them were in the area visit- ing Fantasy in Lights. WHILE Fantasy in Lights was the draw, Pine Mountain merchants reported brisk sales in December. Restaurants were full with some customers wait- ing 30 to 40 minutes to dine at various eateries. . During November and December, the tourism office fielded over 13,000 requests for additional information. _ Arnold provided Pine Mountain Council members with copies of the new Pine Mountain Experience book, which is currently being dis- tributed around the state with the goal of bringing people to the area. as: 7. IN ADDITION, an informa- tion booklet produced by Presidential Pathways features former PresidentJimmy Carter on the front, the major cable tel- evision hit The Walking Dead on the rear, and with informa: tion on events taking place at Callaway Gardens and in Pine Mountain and Harris County inside the publication. Arnold told council mem- bers that she would be attend- ing Tourism Day at the state capitol in Atlanta, held Jan. 251 26. ACCORDING to the Georgia Department of Tourism, the tourism industry is the state’s fifth largest employer with a total econom: ic impact of $53.6 billion. The tourism industry sup; ports 411,000 business owners and workers, and generates $2.8 billion in tax revenue, directly and indirectly. ; IN HARRIS COUNTY, the Local Option Sales Tax, Special Purpose Local Option Sales Tax, Education-SPLOST, 'Ii'ansportation-SPLOST, and the Hotel/Motel fix all benefit from tourism. ; Surprise Business Trend: Write Your Own Book write books. . While on one level they might want to give back to society by shara ing their knowledge, on another level it is actually a very powerful customer relations and brand building exercise. f Of course, they also stand to.“ gain free publicity from authoring a book. 5 As business becomes increas-f ineg tough and competitive, iron») ' ically, it might not be the high tech; mobile app or social media that will: help business owners get the edge' over the competition. ; The answer may lie in somes: thing a bit more old fashion, and? perhaps even seen by some as obso—g lete...the printed book. ': iStar Publishing helps business owners who want to grow theifi business with a book by writing,E publishing and coaching them to; use a published book to gain a com-f petitive advantage. :