Connections Bi-Monthly Special Supplement of the · 2020. 2. 5. · Connections Bi-Monthly Special Supplement of the February/March 2020 FACC plans Annual Dinner to be held on Tuesday,

ConnectionsBi-Monthly Special Supplement of the

February/March 2020

FACC plans AnnualDinner to be held onTuesday, March 10th

The Fremont Area Chamber of Commerce has announced plans for their annual dinner meeting, which will be held in the Black Box at the Dogwood Center. The festivities will take place on Tuesday, March 10th, with a social hour beginning at 5:30 pm and dinner at 6:15 pm.

As in years past, one of the highlights of the annual meeting is the opportunity to recognize various chamber volunteers and retiring board members. This is a great time to meet other business owners and

participate in our year in review. Our guest speaker for the evening will be a representative from Western & Southern Financial Group, the parent company of Gerber Life Insurance.

Reservations for the annual meeting are due by Monday, March 3rd. Please call the Chamber office at 924-0770 or email [email protected], or register on line at www.fremontcommerce.com to reserve your seat. Make sure you mark your calendars and plan to attend this annual event!

Annual Fremont Area Home & Garden Show to be held Mar. 21st

Join us for the 15th Annual Fremont Area Home & Garden Show on Saturday, March 21st, in the Fremont Middle School gymnasium, 500 Woodrow Street, Fremont.

The Fremont Area Home & Garden Show runs from 9 a.m. until 3 p.m. with free entry and parking. There will be demonstrations throughout the show. Demonstrations will run every hour starting at 9:30 am with Camp Newaygo hosting a cooking demo. Other demonstrations you will want to

check are: Cartright Recycling, tips on recycling, Ericka Freriks on tower gardening, and Builders First Source, Cortex flooring. Two Hot Tamales will be there with their tantalizing treats, along with Big Reds BBQ, so there is something for everyone! Local Heros Inflatable Games will be at the show with one of their bounce houses. Don’t miss out on the fun!

Discover do-it-yourself ideas and expert advice for home, garden and lifestyle. The Fremont Area Home &

Garden Show is a great way to connect with community members, as well as learn more about local organizations. Our local businesses will be showcased as well as their services that you can find right here in Newaygo County!!

Bring your home and personal projects to life this spring! Get ideas for home renovating and remodeling, gardening, landscaping, as well as buying/selling your home! You will also

find information on nutrition, financial planning, fitness, health and more!

If you would like information on being a sponsor, volunteer or a vendor for this event, please contact the Chamber: (231) 924-0770 or email [email protected] or visit the Chamber’s website for an applications, www.fremontcommerce.com.

Search begins for NBFF’s 2020 Queen’s Court

The National Baby Food Festival Committee has begun their search for the 2020 Queen’s Court!

This year the Festival will take place during the week of July 22-25. The NBFF Queen’s Court Committee is looking for individuals who will enjoy representing the Festival as a goodwill ambassador around West Michigan.

The 2020 Queen’s Court will consist of three very eager and outgoing individuals willing to be involved in various events around Newaygo County as well as during the week of the National Baby Food Festival.

Interested individuals must be between 16 – 19 years of age and a resident of Newaygo County. Please submit a letter of introduction, along

with a current photograph to:NBFF Queen’s Court7 East Main StreetFremont, MI 49412Letters of introduction and

photograph must be postmarked no later than Friday, February 21st, to be considered in the 2020 NBFF Queen’s Court search. If you have any questions please contact the Fremont Area Chamber of Commerce at (231) 924-0770.

Applicants will then be interviewed and a three person court will be announced this spring. The 2020 Queen will be crowned during the Festival’s Friday night entertainment on July 24th. Her first official duty will be presiding over the National Baby Food Festival Grand Parade on Saturday, July 25th.

Wednesday, February 5, 2020 Page 2 Connections Supplement

Executive Director’s Report

Fremont Chamber’s mission From the President’s Pen“The Fremont Area Chamber of

Commerce will serve as the business advocate and will take a leadership role in economic growth and civic development, will provide programs and services related to the critical needs of its membership.”

This is the Fremont Area Chamber’s mission statement. The statement covers two primary areas, Advocacy as well as Programs and Services that support economic growth. It is good to remind ourselves why we are in business and what our purpose is. As businesses, we should look at everything we do and how that compares to our stated mission.

Advocacy:As an advocate, the Chamber of

Commerce is involved with numerous organizations that work to improve the business atmosphere and quality of life in the Fremont area. These groups included the following: the Fremont Leadership Council, Downtown Development Authority, West Michigan Chamber Network, Newaygo County Tourism Council, Newaygo County Convention & Visitors Bureau and the Fremont Farmers Market to name a few.

The Fremont Area Chamber of Commerce promotes the Fremont community, Newaygo County and our area businesses through several avenues including: our business directory & community profile, webpage – offering information 24/7 to consumers, Facebook, local maps, brochures, email communication, referrals and our community events.

Programs and Services:The Programs and Services we offer

in conjunction with other community organizations include: The National Baby Food Festival, Thursday Evening Summer Concerts in the Park, Fremont Harvest Festival, Illuminated Santa

Parade & Christmas Stroll, Fremont High School Honors Program, Golf

Outings, Thursday Noon Network Luncheons, Educational seminars, Annual Chamber Dinner, Connections Newsletter and our Home & Garden Show.

The Fremont Home & Garden Show will be the kickoff program for the Fremont Area Chamber of Commerce in 2020 and we are very thrilled to offer this avenue to our local businesses to showcase their products and services.

On Saturday, March 21st from 9 am to 3 pm, we will be using the Fremont Middle School and want to encourage every business to think about this opportunity. Contact the Fremont Area Chamber of Commerce with questions or comments anytime between 8:30 AM to 4:30 PM M-F or visit www.fremontcommerce.com for an application.

The value of Chamber membership goes far beyond the items listed above. It also builds a sense of confidence from the consumer. When a small business is a chamber of commerce member, consumers are 80% more likely to purchase goods or services from the business in the future (The Schapiro Group, 2012). A chamber membership can increase your profits because customers view your business more favorably. If you would like to know more about membership opportunities, please call 231 924-0770 or email Brandon at [email protected]

The Fremont Area Chamber of Commerce would like to thank our community for another great year of supporting the events and activities. Our membership remains strong and our programs effective at promoting the community and our members. We will continue to work hard for the community and our members.

I don’t know about you, but the months following Christmas seem to creep by until we finally see the first signs of spring.

Just some fun facts about January and February you may not know.

January is National Soup Month. Soup became popular with the inven-tion of canning in the 19th century, when a chemist at the Campbell Soup Company invented condensed soup in 1897. For us living in the winter tundra, a nice warm bowl of soup is always good. In keeping it lo-cal, we have several eating establish-ments within Newaygo County that serve some great soups and chilis.

Then comes February and our friend the groundhog. Who really thinks the groundhog knows our fate when it comes to the weather. I know I would not be a very happy camper if I was drug out of my nice warm hole in the dead of winter to see whether I see my shadow or not!

Here in Michigan, we are very fortunate to be able to experience 4 seasons. Sometimes all in one week.

The key to sur-viving winter in Michigan – keep moving no matter what the weath-er. We have wonderful snowmobile and ski trials for those that like to venture out, as well as some very nice fitness facilities for those that prefer to walk/run/exercise while looking out the window at the snow.

We are very blessed here in Ne-waygo County to have such a variety of activities to choose from. If you are looking for events and entertain-ment around you, the following are some good resources: http://www.dogwoodcenter.com/.http://newaygo-countyexploring.com/events/

KAREN BAIRD

Shari Paulsen

The National Baby Food Festival will be held July 22nd – 25th, 2020.

The National Baby Food Festival is one of the largest events that is held in Fremont and Newaygo County. This event is made possible by our volun-teers and their tireless dedication of time to this family friendly event!

We are looking to expand this com-mittee and that could be you! Volun-teers are needed to be part of this team and assist with the planning of events. Additional volunteer help is need at the activities during the week of the festival.

These volunteers are needed for a vari-ety of tasks and assistance to the NBFF Committee. Some of the tasks due re-quire physical labor, before, during, and after the Festival, while others are regis-tering guest and helping with attendees. This is a great way to be part of your community while having fun!

If you interested in joining the fun and camaraderie of the NBFF Staff and Committee, please contact Sydney Baird at the Fremont Area Chamber of Commerce at 231-924-0770 or [email protected]

Looking for volunteers for the 2020 National Baby Food Festival

Chamber Board of DirectorsA key ingredient in the effectiveness of the Fremont Area Chamber

of Commerce is the organization’s Board of Directors. The dedication and leadership of these 10 volunteers is deeply appreciated by both the membership and staff.

2020 Chamber Board of Directors

President Shari Paulsen (2022) - Paulsen Heating & CoolingVice President Patti Carpenter (2022) - Hidden Treasures of Fremont & MoreTreasurer Ken Haggart (2021) - Fremont Public SchoolsJulie Sanders (2020) - Michigan Works West CentralTom Twigg (2020) - Wal-Mart SuperCenterMarianne Boerigter (2021) - Newaygo County Council for the ArtsChuck Clark (2021) - Freedom ChevroletRob Pope (2021) - Newaygo Firearms Training Center & RangeHolly Cook (2022) - Gerber Life Insurance Co.Pam Derks (2022) - Coldwell Banker Schmidt Realtors

Who are we?Elite Gutters, LLC is excited to be-

come a part of the community in Fre-mont & the surrounding areas. We pro-vide exceptional, professional, and fair services for all your gutter needs. No job is too big or too small.

Each month we donate 3% of profits to a designated charity. Reach out to us on Facebook, or via telephone, and let us know what local charity you are passionate about. This will help our de-cision to choose a charity for the month of February.

What do people say?Our gutters went up fast, two day in-

stallation. We got covered gutters and have no leakage or any issues since. Very affordable in comparison to other companies in the area. Very satisfied customer. -Lilian G., Fremont, MI

David replaced the gutters on the front of my house. He was able to get right to

work - no scheduling out a month in ad-vance! They look and work great. -Mat-thew R., Fremont, MI

Dave fixed up a lengthy gutter sys-tem on an apt house. Did a nice job and included a couple other small repairs. Takes pride in his work. Phil D., Fre-mont, MI

Where do you provide service?We serve all of West Michigan & fur-

ther for certain jobs. Why should I choose Elite Gutters,

LLC?-Lifetime Workmanship Warranty-No-Clog Guarantee (select covers)-Price Match Guarantee-Support Local Business-No Long Waits-Exceptional Service-Fair PricingHow do I contact Elite Gutters, LLC?Telephone(Call/Text) (231)233-6269Facebook: www.facebook.com/elite-

guttersllcmi

Elite Gutters joinsthe Fremont community

Connections Supplement Wednesday, February 5, 2020 Page 3

It was a bit chilly, but beautiful for Fre-mont’s 13th Annual Christmas Stroll on Friday, December 13th, 2019! The night began with the beautifully lit Illuminated Christmas Parade. The parade kicked off with Mary and Joseph and featuring The Grinch and fellow Who’s, the lovely people from Huntington Bank with their Best Dressed Pet Contest entries, holi-day music, and decked out heavy equip-ment; leading the way for the guests of honor, Mr. & Mrs. Claus! There were obviously lots of names on the “Nice List” this year, as reflected by the many spectators enjoying the parade and the other family activities that took place af-terwards.

Inspire Church – A Wesleyan Com-munity provided an incredible example of the true reason for the season while bringing to life the story of the birth of Jesus, with a live nativity scene. To keep everyone warm, staff members from Huntington Bank were on hand to offer visitors some hot chocolate, hot coffee & a cookie to decorate. Charlie the Therapy Horse was out, sporting a Santa hat and getting lots of love from the community. Children and some “kids at heart” delighted at the Want to Build a Snowman? kits that were hand-ed out down in the park.

We would like to thank the follow-ing businesses for their sponsor-ships and continued support: Gener-al Sponsor: Compass Credit Union

Fremont Regional Digester, Gerber Federal Credit Union, Karsten Financial Group - Raymond James, The White Insurance Agency, Paulsen Heating and Cooling, Fremont Area Communi-ty Foundation, Great Lakes Signature Properties

During and after the illuminated pa-rade, Chamber Ambassadors mingled

through the crowds, passing out candy canes, with a smile. Visitors were also able to see Santa and Mrs. Claus at their home in Veterans Memorial Park. After visiting Santa, many people took advantage of the free wagon rides, and Smore’s in the park made possible by Paulsen’s Heating and Cooling.

On Saturday morning many of the children returned bright eyed to enjoy Breakfast at the North Pole, which was held at The Commons of Fremont. The participants enjoyed a hot breakfast, some coloring, singing Christmas car-ols with the National Baby Food Festival Queen’s Court, and some one on one time with St. Nick.

Our Christmas Spirit contest drew many participants again and many more watchful eyes on our social media page! Thank you for the support of our Spon-sors, Paulsen Heating and Cooling. We had a 1st and 2nd place for both Com-mercial and Residential this year, first place residential winner was Jeff Foster with a Massive 383 Likes on his Face-book Entry with his Beautiful display showcasing lights AND sound second place went to Jon Lowery with a Just as big but not quite there yet 365 Likes on his Facebook Post they will both be receiving a prize of Fremont Fun cash!

Our Commercial Winners that won this year was our wonderful Chamber Members Eyes on Main with 146 likes on Their Facebook Entry and Liberty Jewelers with 46 Likes on their Face-book Entry. Don’t miss out, The Christ-mas Spirit contest continues to grow every year with new and better displays. Keep up the hard work everyone!

Despite the cold temperatures, we truly appreciate those who braved the weather to come out and enjoy our hometown holiday celebration!

Fremont Christmas Stroll recap

www.whiteagency.com Fremont • Grant • (800) 924-3002

Individuals interested in the Queen’s Court should submit a letter of introduction with Name, Address, phone

number, and a current photograph to:

NBFF Queens Court 7 East Main Street Fremont, MI 49412










3x42

2702

8JAN

18

Deadline February 26, 2018

2020 Queen’s Court

NBFF Queen’s Court7 East Main St.

Fremont, MI 49412

DeadlineFebruary 21, 2020

Individuals interested in the Queen’s Court shouldsubmit a letter of introduction with name, address,

phone number and a current photograph to:













3x42

2702

8JAN

18

Deadline February 26, 2018

The Christmas Parade winners were the Tyink Family in first place (top), Snowchasers in second (above), and Jerry’s Towing (above, right) taking third place.


Huge shout out to Tran-sitional Health Services of Fremont’s 2019 EM-PLOYEE OF THE YEAR - Samantha Peake.

Sam has been with THS since 2013, where she started her career as a certified nurses aid. In 2017 she became an LPN, and a year later graduated to an RN.

At the end of Decem-ber everyone who won Employee of the Month during 2019 was eligible to win Em-ployee of the Year. Staff, residents, and visitors were all able to vote for their fa-vorite.

What follows are the com-ments that voters said about Sam, and why they voted her as the 2019 THS Employee of The Year.

“Sam always goes above and beyond. She is always willing to jump in and cover any open shift. She is a team player. Sam is so polite and eager to help. She is a genu-inely nice person to be around. She is happy, smart, and calm. Sam is caring with a tender heart.”

We love having Sam at Transitional Health Services of Fremont.

Congratulations on this huge honor Samantha!

THS Employee of the Year 2019

With the New Year being well on its way to being prosperous for many busi-nesses in Fremont and Spring around the corner to bring the long awaited sunshine, one business is excited to see business thrive. CBD Store of Mich-igan located right here in Fremont is ex-panding their product line and reducing prices.

They offer a wide variety of CBD prod-ucts from Shampoo and Conditioner to CBD Coffee or Soda. You will find only the highest quality of CBD, knowing that it has been tested by third party labs. CBD Store of Michigan offers the most accurate potency in their product and assures they contain no pesticides, mold or heavy metals. With over 50% of CBD products on the market place not being accurate for potency and testing positive for pesticides, mold and heavy metals, CBD Store of Michigan will only sell good clean product.

Free consultation is one thing that holds CBD Store of Michigan apart from the others. Ongoing education is always top priority for the team at CBD Store. Their training includes intensive educa-tion on alternate medicine, CBD training from CTU and several seminars across the country. You can rest assure that the information you receive is from the lat-est studies.

Some of the most common questions asked are:

“Does CBD get you high?” Answer is NO. Because the level of THC is below .3%, CBD will not get you high.

“Do I need a medical card to buy CBD?” Answer is NO. You do not need a medical card to buy CBD from CBD Store of Michigan.

“What does CBD do?” Studies show that CBD may help many with pain, in-flammation, anxiety, sleep, disease and more. With that said the FDA has not yet evaluated CBD except for child epilepsy.

“How do I take CBD?” CBD comes in many forms. Tinctures (drops under your tongue) are most common. Cap-sules, Gummies and other edibles are a close second. Topicals are also great for putting directly on the area of concern. Smoking is also popular, but not most people’s first choice. Concentrates are quickly catching on for those with more severe symptoms. Other ways to get CBD into your system would be CBD

Toothpaste and Mouthwash, Sham-poo and Conditioner, Beard Oil, Soap, Massage Oil, Bath Bombs, Cooking Oil, Tobacco Free and Nicotine Free Mint Chew and the list continues to grow dai-ly.

“Can I give CBD to my pet?” Absolute-ly, every mammal has an endocannabi-noid system. That is the system in our bodies that helps regulate our central nervous system and peripheral nervous system. Pets like dogs and cats can benefit from CBD the same way hu-mans can. CBD Store of Michigan has a wide variety of CBD for pets.

“Is CBD expensive?” CBD starts at about $25 and can go up to almost $200. However, the cost per daily dose is be-tween $1 and $2 per day. Many peo-ple have stopped taking 100% of their pharmaceutical and over the counter medications, as well as less visits to the doctor. That can be a big cost savings to you. We always recommend talking to your doctor before switching over to CBD from your current medications.

“Can I take CBD with my medication?” CBD is fine with most medications. However, there are a few medications that CBD can be harmful with if taken together. Always talk to your doctor be-fore mixing CBD with your medication. Ask the Experts at CBD Store of Michi-gan about your medications and if they will react negatively with CBD.

“What if I am subject to drug testing at work?” CBD Store of Michigan offers a THC Free CBD for those that may be tested at work. Zero THC products of-fer some of the benefits of full spectrum without any chance of testing positive for THC.

Those are among the questions asked every day. If you want to know more, do not hesitate to stop by or call CBD Store of Michigan.

CBD Store of Michigan cares about your wellbeing. That is why they carry only the best quality CBD and continue to become educated with the most re-cent studies. They are there to answer all of your questions!

CBD Store of Michigan is located at 37 East Main Street, Suite G (Back of Building), Fremont, MI 49412 and their phone number is (616) 291-9558 or visit www.cbdstoremi.com.

New Fremont business is thriving - CBD Store

Samantha Peake

Times-Indicator Wednesday, March 9, 2016 Page 3

KIMBERLY DUBOIS - DANIEL FORCEGary and Karen DuBois and Terry and Patricia

Force, all of Grant, would like to announce the engagement of their children, Kimberly DuBois to United States Air Force Staff Sergeant Daniel Force, of Alexandria, Virginia.

A July 2, 2016 wedding is being planned.

Engagement

White Cloud Public Schools

Kindergarten Round UpWhite Cloud

Elementary School

WHITE CLOUD PUBLIC SCHOOLS

Kindergarten Round Up JACK D. JONES ELEMENTARY SCHOOL

“A Tradition of Excellence”

All Day Everyday Kindergarten / K+ Program

Do you know a boy or girl who resides in the White Cloud Public School District and who will

be five (5) years old on or before Dec. 1, 2011? If so, please complete the form below.

During the last week of March information will be available to all who respond that explains:

enrollment procedures, dates for Kindergarten Round Up (April 28 & 29), and further

information for parents. Please complete ALL information below and turn in by April 21,

2011.

Full Name of Student ____________________________________________________

First Middle Last

Birthdate________________________________Phone #_______________________

Parent’s Name _________________________________________________________

Father –First Father-Last

Mother-First Mother-Last

Address______________________________________________________________

# Street or P.O. City Zip Code

Township_____________________________County____________________________

Preschool Attended______________________________________________________

Mail completed form to: For Questions:

“Kindergarten” Call 231-689-1295

Jack D. Jones Elementary

PO Box 1002

White Cloud, MI 49349

"A Tradition of Excellence"All Day Everyday Kindergarten/

K+ Program

For the 2016-2017 school year:A child who resides in a public school district or public school academy providing kindergarten may enroll in kindergarten if the child is at least 5 years of age on SEPTEMBER 1, 2016.

Every child who is five years old on or before September 1, 2016 may go to a public school or public school academy kindergarten free of charge.

Do you know a boy or girl who resides in the White Cloud Public School District and who will be five (5) years old on or before September 1, 2016? If so, please complete the form and send to the address below by April 22, 2016. More information to follow!

May 5 & 6, 2016

For Questions:Call 231-689-3234Ext. 8

Mail completed form to:"Kindergarten"White Cloud Elementary SchoolPO Box 1002White Cloud, MI 49349

Email

Open House:Citizens for Lion Pride

will be hostingtours through

Vera Wilsie & Velma Matson on Mon., March 14, 4:30-5:30pm and

Wed., March 23, 5:30-6:30pm.Everyone is welcome to attend.

Stay informed. Follow us onFacebook at LionPride.BondTogether.

Please Vote May 3rd.Paid for by Citizens for Lion Pride, 3012 W. 80th St., Newaygo MI 49337

“We make tax time less taxing”

1436 S. Getty St.Muskegon, MI 49442

(231) 728-7244

8 E. Sheridan St. Fremont, MI 49412

( 231) 924-5200

5263 E. Apple Ave.Muskegon, MI 49442

(231) 788-1400

www.aitmi.com free e-file

Students in the Building Trades program at the Newaygo County Career Tech Center recently built a Book Barn. Building Trades students Matt Eckert (left) of Fremont and José Cadena of

Shelby showed the completed project to Joan Kokx (left) of Newaygo County Farm Bureau and NCRESA Supervisor of Career and Placement Services Gretchen Spedowske.

Newaygo County Farm Bureau’s Promotions and Education Committee began work last year on the Book Barn project, part of an effort to bring agriculture to elementary school classrooms around the county.

With the help of a grant

from The Fremont Area Community Foundation, Building Trades stu-dents from the Newaygo County Career Tech Center built the first of three Book Barns, which was filled with a vari-ety of books about agri-culture. The books cover

a variety of topics and range in reading levels from first grade to fifth grade.

Hesperia elementary school teacher Roxanne Kramer has been part of the Book Barn process from the beginning.

“I’m excited to be the

first school with a Book Barn,” Kramer said. “I have been looking for-ward to my students being able to learn more about the many different aspects of agriculture.”

The Book Barn is designed to spend a few weeks at a school and then move on to the next school.

To schedule the Book Barn for a school or event, call the Newaygo County Farm Bureau at 231-225-0201.

Book Barn to bring ag-relatedreading to local classrooms

These Hesperia Elementary School students visited the school library and were the first to get a look at the local Farm Bureau’s new Book Barn.

Births

Briefly...

More than 1,000 Grand Valley State University students participated in commence-ment ceremonies on Dec. 12 at Van Andel Arena in Grand Rapids.

Local GVSU students who graduated at the conclusion of the fall 2015 semester in December include:Fremont: Robert D. Cassiday EDS, Erika J. Crawford BA, Steven M. Ergang BS, Jeremy S. Gerth BS, Trent M. Rosenberg BS and Jacob M. Sella MSA.Grant: Charles M. McKinley BS and Rebecca J. Roeters BS.Holton: Matthew J. Almond BBA and Joshua A. Normandin BBA.Newaygo: Gena M. Cook MED and Tara L. Sipperley BS.Twin Lake: Sarah M. Gearhart BA, Zackary A. Keck BS and Tyler J. McFalls BS.White Cloud: Breanna M. Manchip BS.

Grand ValleyState announcesfall graduates

Dogwood Center

GR Symphony to return March 30The Grand Rapids

Symphony is scheduled to return to the Dogwood Center for the Performing Arts on Wednesday, March 30 at 7:30 p.m.

The Grammy-nominated Grand Rapids Symphony was official-ly organized in 1930 and is recognized as one of America’s leading regional orchestras. The Grand Rapids Symphony presents more than 400 performances each year, performing for approxi-mately 170,000 people. Nearly half of those who benefit are students, senior citizens and people with disabilities reached

through extensive educa-tion and community ser-vice programs.

The program will include conductor John Varineau lead-ing the Symphony in: Mendelssohn The Hebrides, Op. 26, “Fingal’s Cave”; Debussy Afternoon of a Faun; Bizet/Ed. Hoffman Jeux d’enfants; and Beethoven Symphony No. 6.

The March 30 event will also include artwork by Newaygo County young-sters as the background for one of the musical selections.

The Fremont Area Community Foundation

and Nestle Nutrition/Gerber Products are sponsoring the event.

Reserved seating tick-ets are priced at $17.50 for adults or $5 for chil-dren age 18 and young-er. Tickets are available online at www.dog-

woodcenter.com, at the Dogwood Box Office, or at NCCA Artsplace in downtown Fremont.

For more information, call the Dogwood Center Box Office at 924-8885.

Briefly...

Tall Pine QuiltersThe ladies from the Hesperia Monday Night Sewing

Group will present a trunk show at the Tall Pine Quil-ters guild meeting on Thursday, March 10 at 7 p.m. at the Newaygo County Commission on Aging building at 93 Gibbs in White Cloud. Vickie Schmidt, Inez Bayle, Sandy Hunt, Mary Jo Uhen, Jennifer Schropp, Wynona Huntley, Carrie Van Boven and Verla Hooker will display some of their award-winning quilts. The public is invited. Non-members will be asked to pay $5.

PAGE - Ashley and Ronald Shilling, Jr., of Grant, a boy, Ronald Lee Shilling III on Feb. 19 at Spectrum Gerber.

KOKX - Lisa and Adam, of Holton, a boy, Emmett Kenneth Kokx on Feb. 26 at Spectrum Gerber.

DUTCHER - Teryan and Jacob Cram, of Hesperia, a girl, Amiah Rene O’dell Cram on Feb. 26 at Spectrum Gerber.

VANBOXEL - Micquaya and David Block, of White Cloud, a boy, David Jams Block II on Feb. 29 (leap year), at Spectrum Gerber.

FRERIKS - Ericka and Christopher, of Fremont, a girl, Aubrey Evelyn Freriks on March 1 at Spectrum Gerber.

JONES - Desiraye and Mitchell Terbeek, of Fremont, a boy, Aaron Russell Terbeek on March 1 at Spectrum Gerber.

PLOTTS - Katy and Jacob Smith, of White Cloud, a boy, Landon Scott Smith on March 2 at Spectrum Gerber.

THOMPSON - Erika and Anthony, of Traverse City, a boy, Malakai David Annis-Thompson on March 2 at Spectrum Gerber.

White BreakfastA White Breakfast will be held at the Grant Commu-

nity Church at 115 W. State Rd. on Tuesday, March 22 at 9:30 a.m. Speaker Marvel Thompson will talk about the topic “Trees, Plants, Flowers and Whatever Grows”. A freewill offering will be collected to pur-chase gas cards for families in need. For reservations call Maxine Guthrie at 231-834-8719.

Do you know someone that has moved away that would like an affordable way to still be able to read the TimesIndicator each week...

Please let them know that we now have Electronic only subscriptions available for anyone outside of Newaygo County for the reduced price of $35.00 per year.

Simply click on this link to get started:https://www.etypeservices.com/Fremont%20

Times%20IndicatorID610/

Pam SchwallierREALTOR®Residential & CommercialServing the West Michigan Community

616.490.46301100 4 Mile Rd NW, Suite DGrand Rapids, MI 49544Email: [email protected]

ExpEriEncE • DEDication


CRANDELLFUNERAL HOMESFremont Chapel7193 W. 48th Street, P.O. Box 148Fremont, MI 49412

231.924.0800www.crandellfh.com

4 Generations of the Crandell Family serving you and your

family since 1902.

Winter ParkingThe City of Fremont reminds motorists that there is no parking of any motor

vehicle upon any public street or alley within the city limits between the hours of 2 AM and 6 AM at any time for December 1st thru April 1st. This allows the city to plow the streets freely in the winter months. Your cooperation would be greatly appreciated.

By Tina WightmanEdward Jones Financial Advisor

It’s a fairly predictable pattern: When the stock market rises, more people in-vest, but after a large-scale drop, many of these same people head for the ex-its. But by staying out of the financial markets, and only putting their money in “safe” vehicles that offer few or no growth prospects, are they really help-ing themselves? Here’s the bottom line: If you’re going to make progress toward your long-term goals, you have to be-come a long-term investor. But how?

To begin with, you need to understand that long-term investing involves accept-ing inevitable short-term price swings. You may not like seeing those sharp price drops, but it will help your outlook greatly if you can keep them in perspec-tive. Studies have shown that the longer you hold your investments, the less im-pact market volatility can have on them.

So, to reach that point where the mar-ket’s ups and downs have less of a cu-mulative impact on your holdings, con-sider the following actions:

• Only invest money you won’t need for a long time. If you can tell yourself that the money you are investing today is money you won’t really need for 20 or 30 years, you’ll be better prepared, psychologically, to get through the down periods of the financial markets. And as long as you aren’t overextending your-self financially in other parts of your life, you really shouldn’t need those invest-ment dollars for a very long time. They should be earmarked for goals you hope to achieve far into the future, such as a comfortable retirement.

• Keep your focus on what is most im-portant to you. If you can visualize your

long-term goals, you’ll find it easier to keep working toward them. For exam-ple, if you are hoping to travel extensive-ly when you retire, keep thinking about what that might look like. You might even research the countries you plan to visit, even if these trips are far in the future. Ultimately, if you know where you’re go-ing and you’re determined to get there, you’ll get past the bumps in the road.

• Don’t spend excessive time review-ing your investment statements. A bad month or two can cause some notice-ably negative numbers on your invest-ment statements. But if you can disci-pline yourself to avoid spending too much time dwelling on these figures, you may feel less stress about investing – and you may even be less tempted to make short-term moves that could have unfortunate long-term results. However, if you do want to study your investment statements, don’t just stop at the most recent results. Instead, look for trends that might tell a different story. Has the number of shares you own in various investments increased significantly over time? And over the past five or 10 years, has your portfolio’s overall performance been positive? By digging a little deep-er into your statements, you might gain more confidence in the course you’re following.

Short-term price drops are not pleas-ant to experience. However, you can help yourself become a better long-term investor by following the above sugges-tions, so put them to work soon – and stick with them.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

How to become a long-term investor

There are many well-documented benefits to our communities and to each of us to choosing local, independently owned businesses. We realize it is not always possible to buy what you need locally and so merely ask you to Think Local FIRST!

Top Ten reasons to Think Local - Buy Local - Be Local

1. Buy Local -- Support yourself: Sev-eral studies have shown that when you buy from an independent, locally owned business, rather than a nationally owned businesses, significantly more of your money is used to make purchases from other local businesses, service providers and farms -- continuing to strengthen the economic base of the community.

2. Support community groups: Non-profit organizations receive an av-erage 250% more support from smaller business owners than they do from large businesses.

3. Keep our community unique: Where we shop, where we eat and have fun -- all of it makes our community home. Our one-of-a-kind businesses are an integral part of the distinctive character of this place. Our tourism businesses also ben-efit. “When people go on vacation they generally seek out destinations that offer them the sense of being someplace, not just anyplace.” ~ Richard Moe, President, National Historic Preservation Trust

4. Reduce environmental impact: Lo-cally owned businesses can make more local purchases requiring less transpor-tation and generally set up shop in town or city centers as opposed to developing on the fringe. This generally means con-tributing less to sprawl, congestion, hab-

itat loss and pollution.5. Create more good jobs: Small local

businesses are the largest employer na-tionally and in our community, provide the most jobs to residents.

6. Get better service: Local business-es often hire people with a better under-standing of the products they are selling and take more time to get to know cus-tomers.

7. Invest in community: Local busi-nesses are owned by people who live in this community, are less likely to leave, and are more invested in the communi-ty’s future.

8. Put your taxes to good use: Local businesses in town centers require com-paratively little infrastructure investment and make more efficient use of pub-lic services as compared to nationally owned stores entering the community.

9. Buy what you want, not what some-one wants you to buy: A marketplace of tens of thousands of small businesses is the best way to ensure innovation and low prices over the long-term. A multi-tude of small businesses, each selecting products based not on a national sales plan but on their own interests and the needs of their local customers, guaran-tees a much broader range of product choices.

10. Encourage local prosperity: A growing body of economic research shows that in an increasingly homoge-nized world, entrepreneurs and skilled workers are more likely to invest and settle in cond businesses and distinctive character.

Think local first + Buy local when you can = Being a local!

Why buy locally owned?


Support local Chamber members... Continuing our plan to list a portion of our membership with each “Connec-tions” issue, this edition is highlighting members from the following areas: Accounting and Tax Preparation, Com-puter/Computer Services, Education and Training, Exercise and Physical Fitness, Financial/Investment/Security Companies, Medical/Dental/Optometric Services, Professional Services and Real Estate. As you make future plans consider using the services of these fine businesses and organizations. For additional listing, visit our web site at www.fremontcommerce.com.

Accounting and Tax Preparation

Accurate Income Tax & Accounting, Inc.8 E. Sheridan St.Fremont, MI 49412(231) 924-5200Fax: (231) 903-4322

H&S Companies711 W. Main St.Fremont, MI 49412(231) 924-6890Fax: (231) 924-4088Internet: www.hscompanies.comE-mail: [email protected]

Oosting, Burt & Associates38 E. Sheridan St.Fremont, MI 49412(231) 924-0870Fax: (231) 924-1929Email: [email protected]

RRG&G., P.C. – Ross Accounting2 E. Main St.Fremont, MI 49412(231) 924-9857Fax: (231) 924-4882E-mail: [email protected]

Financial/Investment/Security Companies

Banks

Chemical Bank211 W. Main St.Fremont, MI 49412(231) 924-5600Fax: (231) 924-9960

Choice One Bank1423 W. Main St. Fremont, MI 49412(231) 928-1290Fax: (231) 924-1293Internet: www.choiceone.com

Huntington Bank2 W. Main St. Fremont, MI 49412(231) 924-2200Fax: (231) 924-5120Internet: www.huntington.com

Shelby State Bank – Hesperia Branch 180 N. Division Ave.Hesperia, MI 49421(231) 854-6455Fax: (231) 854-1364Internet: www.shelbybank.com E-mail: [email protected]

Credit Unions

Gerber Federal Credit Union508 State St. Fremont, MI 49412(231) 924-4880Fax: (231) 924-7181/6686E-mail: [email protected] Internet: www.gerberfcu.com

Compass Credit Union115 S. Stone Rd.P.O. Box 435Fremont, MI 49412(231) 924-5510Fax: (231) 924-0341Interent: www.compasscu.com

Investment Advisors/Brokers

Ameriprise Financial5863 S. Warner St.Fremont, MI 49412(231) 924-8780Fax: (231) 924-8744E-mail: [email protected]: www.amerprise.com

Cathy Kissinger – Edward Jones Investments 6908 W. 48th St.Fremont, MI 49412(231) 924-0373Fax: (866) 445-0022E-mail: [email protected]: www.edwardjones.com

Lou Deleguardia - Edward Jones Investments46 W. Sheridan St.Fremont, MI 49412(231) 924-9600(888) 606-7574E-mail: [email protected]: www.edwardjones.com

Tina Wightman – Edward Jones Investments46 W. Sheridan St.Fremont, MI 49412(231) 924-9600(888) 606-7574E-Mail: [email protected]: www.edwardjones.com

Karsten Financial Group25 W. Main St.P.O. Box 238Fremont, MI 49412(231) 924-0250Fax: (231) 924-0256E-mail: [email protected]: www.karstenfinancialgroup.com

Mortgage Services

Edgewater Bank701 W. Main St. Fremont, MI 49412(231) 928-9155Email: [email protected]

GreenStone Farm Credit Services3486 W. Polk Rd.P.O. Box 72Hart, MI 49420(231) 873-7102Fax: (231) 873-4963E-Mail: [email protected]: www.greenstonefcs.com

Educational/Training Institutions

Colleges

Muskegon Community College221 S. Quarterline Rd.Muskegon, MI 49442 (231) 773-9131Fax: (231) 777-0312E-mail: [email protected] Internet: www.muskegoncc.edu

Private/Religious Schools

Fremont Christian Schools208 Hillcrest Dr. Fremont, MI 49412(231) 924-2740Fax: (231) 924-1240E-mail: [email protected]

Public Schools

Fremont Public Schools Administration450 E. Pine St.Fremont, MI 49412(231) 924-2350Fax: (231) 924-5264Internet: www.fremont.net

Fremont High School5421 S. Warner Ave.Fremont, MI 49412(231) 924-5300

Fremont Middle School500 Woodrow Ave.Fremont, MI 49412(231) 924-0230

Daisy Brook Elementary School502 N. Division Ave.Fremont, MI 49412(231) 924-4380

Pathfinder Elementary School109 W. 44th St.Fremont, MI 49412(231) 924-7230

Newaygo County Career Tech Center4747 W. 48th St.Fremont, MI 49412(231) 924-0380Fax: (231) 924-6311Internet: www.ncresa.org

Newaygo County Regional Educational Service Agency4747 W. 48th St.Fremont, MI 49412(231) 924-0381Fax: (231) 924-8817Internet: www.ncresa.org

Technical Training

Disability Network West Michigan5479 W. 72nd Ave, Suite 400Fremont, MI 49412(231) 538-0740Fax (231) 924-4860Internet: www.dcilmi.org

Manpower 5797 Harvey St., Suite CMuskegon, MI 49444(616) 846-2730Fax: (616) 846-2776E-mail: [email protected] Internet: www.us.manpower.com/mi-greatlakes

Michigan Works! West Central14330 Northland Dr.Big Rapids, MI 493079075 Mason Drive Newaygo MI, 49337(231)924-3230(231) 796-4891Fax: (231) 796-8316Internet: www.michworkswc.org

Newaygo County Regional Educational Service Agency (NCRESA)4747 W. 48th St.Fremont, MI 49412(231) 924-0381Fax: (231) 924-8817E-mail: [email protected]: www.ncresa.org

Newaygo Firearms Training Center & Range9125 S. Wisner AvenueNewaygo, MI 49337(231) 652-4299E-mail: [email protected]: www.newaygofirearms.com

Medical Care

Assisted Care / Extended Care

Fountain View of Fremont102 Hillcrest Dr.Fremont, MI 49412(231) 924-5050Fax: (231) 924-6445E-mail: [email protected] Internet: www.fountainviewoffremont.baruchsls.org

Green Acres of Fremont801 E. Main St.Fremont, MI 49412(231) 335-2060Fax: (231) 335-2262Internet: www.rlmgmt.com Newaygo County Medical Care Facility4465 W. 48th St. Fremont, MI 49412(231) 924-2020Fax: (231) 924-2366E-mail: [email protected] Internet: www.newaygomcf.org

The Brook Retirement318 W. Cooperative Center Dr.Newaygo, MI 49337(231) 652-9800Fax: (989) 745-6505Internet: www.brookretirement.com

Transitional Health Services of Fremont4554 W. 48th St.Fremont, MI 49412(231) 924-3990Fax: (231) 924-2881E-mail: [email protected]

Chiropractic Care

Geers Family Chiropractic327 Apache Dr.Fremont, MI 49412(231) 924-3456E-mail: [email protected]: www.geersfamilychiro.com


Dr. Jennifer ScottSemlow Chiropractice Center, PC119 Stone Rd.Fremont, MI 49412(231) 924-2590Fax: (231) 924-1018E-mail: [email protected]

Dental Care

West Michigan Family Dental517 N. Stone Road, Suite 10Fremont, MI 49412(231) 924-5542Fax: (231) 924-5822E-mail: [email protected]

Hearing Services

Sonus Hearing Care Professionals - American Hearing Centers9 E. Main St.Fremont, MI 49412(231) 924-7944Fax: (231) 924-7943E-mail: [email protected]: www.sonushearingaid.com

Home Bound Services

Air-Caire Home Medical Equipment & Supplies16 E. Sheridan Ave.Fremont, MI 49412(231) 924-4040Fax: (2321) 924-4060Internet: www.air-caire.com

Airway Oxygen 717 W. Main St.Fremont, MI 49412(231) 924-2223Fax: (231) 924-4852Email: [email protected] Internet: www.airwayoxygeninc.com

Hospital Services

Spectrum Health - Gerber Memorial 212 Sullivan Ave.Fremont, MI 49412(231) 924-3300Fax: (231) 924-1320E-mail: [email protected] Internet: www.spectrumhealth.org/ger-ber

Kidney Dialysis

Newaygo County Dialysis1317 W. Main St.Fremont, MI 49412(231) 924-4535Fax: (231) 924-4865Internet: www.davita.com

Pharmacy

Baars Pharmacy6 W. Main St.Fremont, MI 49412(231) 924-2720Fax: (231) 924-1281

Wal-Mart Super Center Pharmacy7083 W. 48th St.Fremont, MI 49412(231) 924-5000, Pharmacy: (231) 924-6900Fax: (231) 924-9854Internet: www.wal-mart.com

Physical Fitness/Well Being

BeHealthy InBody Coaching, LLC1926 N Luce AveWhite Cloud MI, 49349(231)225-6699Email: [email protected]

CBD Store37 E Main St.Fremont MI, 49412(616)291-9558Email: [email protected]: www.cbdstoremi.com

Fremont Community Recreation Authority201 Maple St.Fremont, MI 49412(231) 924-3750Fax: (231) 924-9334E-mail: [email protected]: https://communityed.fremont.net

Hands on Healing Massage & Spa 701 W. Main St., Suite 2Fremont, MI 49412(231) 519-2484E-mail: [email protected]: www.handsonhealingtherapy.com

Health Smart35 E Main St.Fremont MI, 49412(231)924-9452Email: [email protected]

Tamarac, Center for Health and Well BeingA member of Spectrum Health1401 W. Main St.Fremont, MI 49412(231) 924-1600Fax: (231) 924-1870Internet: www.tamaracwellness.org

We Love Nutrition1041 W. Main St.Fremont, MI 49412(231)719-9991E-mail: [email protected]

Physicians

Spectrum Health Medical Group230 W. Oak St.Fremont, MI 49412(231) 924-4200Fax: (231) 924-2001Internet: www.pinemed.com

Vision

Eyes on Main Dr. Ben Sikkenga22 West Main St.Fremont MI, 49412(231)854-3000Internet: http://lakeshoreeye.net

Excellence in VisionDr. Byland, OD103 S. Division Ave.Fremont, MI 49412(231) 924-4110Fax: (231) 924-5007

Shoreline Ophthalmology PC1401 W. Main St.Fremont, MI 49412(231) 924-9009Fax: (231) 733-9009Internet: www.shorelinevision.com

Professional Services

DJ / Musical Entertainment

JMX 6641 First St. Holton, MI 49425(231) 747-5845Email: [email protected]

Sounds “R” US5806 W. 100th St.Fremont, MI 49412(231) 519-6947E-mail: [email protected]

Legal Services

David M Byrne, Attorney at Law28 W. Main St., Suite EFremont, MI 49412(231) 924-9290Fax: (231) 924-9280

Greer Law Offices40 W. Sheridan St.P.O. Box 40Fremont, MI 49412(231) 924-4230Fax: (231) 924-6241E-mail: [email protected]

Murphy, Caris & Miller, P.C.20 E. Main St.Fremont, MI 49412(231) 924-2224Fax: (231) 924-2226E-mail: [email protected] Internet: www.murphycarismiller.com

Nancy Ann Hornacek, AttorneyParmenter O’Toole Law Offices601 Terrace St.P.O. Box 786Muskegon, MI 49440(231) 722-1621Fax: (231) 728-2206E-mail: [email protected]: www.parmenterlaw.com

Real Estate Services

Agents/Agencies

Brad Alexander – Greenridge Realty 1331 W. Main St.Fremont, MI 49412(231) 924-0400Fax: (231) 924-2025Email: [email protected]

Coldwell Banker Schmidt Realtors 36 W. Main St.Fremont, MI 49412(231) 924-5880Fax: (231) 924-5816E-mail: [email protected] Internet: www.cbschmidt.com

Coldwell Banker Woodland Schmidt- Pam Derks2280 Resort AveMuskegon MI, 49441(231)335-9130Email: [email protected]: www.cbschmidt.com

Great Lakes Signature Properties LLC1100 4 Mile Rd. NW, Suite DGrand Rapids, MI 49544(616) 490-4630Fax: (888) 846-7312Email: [email protected] Internet: www.GreatLakesSignature-Properties.com

Mr. Kurt Lowdermilk RE/MAX Connection 108 S. Stewart Ave.Fremont, MI 49412(231) 924-9622Fax: (231) 924-9894E-mail: [email protected]: www.kurtlowdermilk.remax.com

Sue Ann and Don Farmer - Coldwell Banker Schmidt Realtors607 Apache Dr.Fremont MI, 49412(231)924-6865Email: [email protected]

The Wakefield Team - Five Star Real Estate37 E. Main St.Fremont MI, 49412(616)617-3433Email: [email protected]: http://www.wakefieldteamsells.com

Title Insurance

Lighthouse Group, Title & Insurance18 E. Main St.Fremont, MI 49412(231) 924-4286Fax: (231) 924-4952Internet: www.lighthousegroup.com

Computer/Computer Services

Internet Service

Comcast Business41112 Concept Dr.Plymouth, MI 48107(616)840-3385Email: [email protected]: https://business.comcast.com

Repairs/Sales

Fremont Computer, LLC5877 S. Warner Ave.Fremont, MI 49412(231) 924-2600E-mail: [email protected]: www.fremontcomputer.net

Technical Support

Fremont Computer, LLC5877 S. Warner Ave.Fremont, MI 49412(231) 924-2600E-mail: [email protected]: www.fremontcomputer.net

Chamber News Credits

Prepared & Edited by:

Fremont Area Chamber

Office Staff

Published in cooperation with: TimesIndicator


ELECTRICAL CONTRACTORS

Commercial-Residential-Industrial-AgriculturalGenerator Sales and Installation

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Since 1958

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Buy 6 bags,get 7th bag FREE.

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535 E. Main St., Fremont -- 924-2310

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540 W. Main St., Fremont, MI 49412Phone: (231) 924-3851 Fax: (231) 924-0121

- EvErything For thE Farm -

Centered on you.

We’re Proud To SupportOur Fremont Chamber of Commerce

Design • Imaging • Bindery & Mailing ServicesRubber Stamps • Lamination

Graduation & Wedding Invitaions & Announcements 1212 Locust Ave., Fremont, MI 49412

Ph: 231.924.0630 • 800.482.5262 • Fax: 231.924.5580www.hi-lites.com

PRINTING & COPY SERVICES

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for where you are,




Newaygo County's NewspaperPublished Wednesdays

44 W. Main Street • P.O. Box 7Fremont, MI 49412

Telephone: (231) 924-4400 • Fax (231) 924-4066

[email protected] [email protected]

New/Used Cars & Trucks • Sales & Leasingwww.freedomgm.com

7052 W. 48th St., Fremont • (231)924-0600

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Hidden Treasuresof Fremont

14 E. Main St., Downtown Fremont • 231-335-2419

Mark Your Calendars!

2020 Fair Days WillBe Held August 8 - 13

5484 S. Warner, Fremont • 924-0350Open Wed.-Fri. 10 am-6 pm; Sat. 10 am-4 pm

Donate . Shop . VolunteerYour Discount Home Improvement Store

10% off RED TAGS25% off BLUE TAGS50% off GREEN TAGS

WANTED:Donations of appliances, furniture,

construction materials and other gently used materials.

JuneTag Sale

We will be closed July 4 & 5.

5983 S. Warner, Fremont • 924-0350Open: Tues. & Fri. 9 - 4; Wed. & Thurs. 9 - 6; Sat. 9- 1


5484 S. Warner, Fremont • 924-0350Open Wed.-Fri. 10 am-6 pm; Sat. 10 am-4 pm


10% off RED TAGS25% off BLUE TAGS50% off GREEN TAGS

WANTED:Donations of appliances, furniture,

construction materials and other gently used materials.

JuneTag Sale

We will be closed July 4 & 5.

Donate • Shop • Volunteer

Hours: Mon.-Thurs. 10am-10pm, Fri. 10am-11pm Sat. 11am-11pm, Sun. 3pm-10pm

Dine In or Take Out

1013 W. Main, FremontUs-10, Ludington (a.J.’s Fun Park)

(231) 924-6260

HOURS: MON. - THURS. 10AM - 9PMFRI. & SAT. 10AM - 10PM • SUN. 11AM - 8PM

$200 offDine-In orTake-Out

1042 West Main, Fremont924-6260

16” Regular Priced Pizza

Coupon valid thruDec. 27, 2020

“NEWAYGO”


If you’re a Millennial – born between 1981 and 1996 – you’re either in the very early or relatively early stages of your career, and as the old song goes, you’ve got a lot of living to do. Still, it’s not too soon to think about a fi-nancial issue you may have overlooked: the need for life insurance.

Regarding this topic, Mil-lennials need to ask three key questions:

When should I purchase insurance? The answer to this question depends somewhat on your stage of Millennial-ism. If you’re a young Millennial, perhaps just out of college, single, and living in an apartment, your need for life insurance may not be that great. After all, you may well have oth-er, more pressing financial needs, such as paying off your student loans. But if you’re an older Millennial, and you’ve got a mortgage, a spouse and – especially – children, then you unquestionably need insurance, be-cause you’ve got a lot to protect.

How much do I need? Millennials who own life insurance have, on aver-age, $100,000 in coverage, according to New York Life’s 2018 Life Insurance Gap Survey. But that same survey found that Millennials themselves reported they need coverage worth about $450,000, leaving an insurance deficit of approxi-mately $350,000. That’s a pretty big gap, but of course, these figures are averag-es and may not apply to your situation. Still, you should know how much insur-ance you require. You might have heard that you need life insurance worth about seven or eight times your annual salary. And while this isn’t a terrible estimate, it doesn’t apply to everyone, because ev-eryone’s situation is different. A financial professional can look at various factors – your age, your marital status, number

of children, size of mortgage, etc. – to help you arrive at an appropriate level of coverage.

Keep in mind, also, that your employer may offer life insurance as an employee benefit. However, it might be insufficient for your needs, es-pecially if you have a family, and it will probably end if you leave your job.

What type of life insur-ance should I get? Many people initially find life insur-ance to be confusing, but there are basically two types: term and permanent. As its name suggests, term insur-ance covers a given time pe-riod, such as 10 or 15 years, and provides only a death benefit. It’s generally quite affordable, especially when you’re young and healthy. Per-manent insurance, on the oth-er hand, offers a death benefit

and a savings component that allows you to build cash value. Consequently, the premiums are higher than those of term insurance. Again, a financial pro-fessional can help you determine which type of insurance is most appropriate for your needs.

Thus far, we’ve only been talking about life insurance. But you may also need other types of protection, such as disability insurance, which can replace part of your income should you become ill or incapacitated. And you may even-tually want to explore long-term care insurance, which can help cover you for the enormous costs of an extended nursing home stay.

You should at least consider all forms of insurance as part of your overall fi-nancial strategy. The future is unknow-able – and as a Millennial, you’ve got plenty of future ahead of you.


Financial Focus –Millennials may need toboost life insurance

Lou DeleguardiaEdward Jones

Financial Advisor, AAMS®

46 W. Sheridan St., Fremont,

(231) 924-9600

Call today to schedule appointment 231-924-2590

Jennifer Scott, DC119 N. Stone Rd., Fremont, MI 49412www.semlowchiropracticcenter.com

Mark Your Calendars!2020

Jingle MingleArts & Craft Fair

Sat., Nov. 149am - 3pm

Fremont Middle School


Gerber FCU employees presented a check in the amount of $14,083.50 to the Lakeshore Newaygo County Direc-tor James Rynberg (pictured center). Pictured (L to R) are Marielle Richie, Education Coordinator for Gerber FCU; Sherrie Anderson-Patterson, Vice Chair-United Way Newaygo County; James Rynberg, Director-United Way Newaygo County; Lori Little, Chair-Unit-ed Way Newaygo County and V.P. of Op-erations at Gerber FCU, and John Buck-ley, President & CEO of Gerber FCU.

“Our incredibly generous employees

raised $9,389.00 for the United Way,” said John Buckley. “Adding the Gerber FCU 50% company match, we contrib-uted $14,083.50 to the United Way of the Lakeshore and designated agen-cies!”

Gerber Federal Credit Union was founded here, and we’re focused on growing here. We have two branches located in Fremont and one in Newaygo. Stop in or visit www.gerberfcu.com to learn why Newaygo County trusts Ger-ber FCU as their financial partner.

Gerber FCU employees give generously to United Way Campaign

New Recycling Guide forNewaygo County Residents!


It’s probably safe to say that many of us are concerned about having enough money to cover our retire-ment years. In fact, some surveys have shown that we are more frightened of running out of money than we are of dying. What can you do to help alleviate these fears?

Your first move is to cre-ate a retirement income strategy, and you’ll want to develop it well before you need to use it. While there are many ways to develop such a strategy, you may want to consider these three key elements:

• Withdrawal rate – Your withdrawal rate is the per-centage of your portfolio you use every year during your retirement. So, for example, if you retire with a portfolio worth $1 million and you choose a 4% withdrawal rate, you’ll be taking out $40,000 per year. Your withdrawal rate will depend on several factors – your age at retirement, the size of your port-folio, potential earned income, date at which you start taking Social Security, and so on. Clearly, when deciding on a withdrawal rate, you’ll want to reach the “Goldilocks” solution – not too much, not too little, but just the right amount.

• Reliance rate – Your reliance rate is essentially the percentage of your over-all retirement income that comes from your investment portfolio – your IRA, 401(k) and other accounts. It’s called a reliance rate because you rely on this portfolio for your income. The higher your reliance rate, the more you will rely on your portfolio to provide income during your retirement, and the greater your sensitivity to market fluctuations.

• Income sources – The more sourc-es of lifetime income you have – such as Social Security and a pension from your employer – the less you may be relying on your investment portfolio to cover your retirement goals. However, many private employers have moved away from pensions in favor of 401(k)-type plans, and Social Security will only provide about 40% of your preretire-ment income in retirement, assuming your earned income is average for U.S. workers, according to the Social Secu-rity Administration. Consequently, you may want to consider options such as annuities, which can provide lifetime in-come benefits.

It will take careful planning to put these three factors together in a way that can help you build enough consistent in-come to last throughout your retirement – which could easily extend two or three decades. And there’s no single formula for everyone. For example, while an an-nuity could offer lifetime cash flow and help you reduce your reliance on your

investment portfolio, it also involves fees and expenses, plus lower liquidity than

other sources of income, so it may not be right for everyone.

Fortunately, you don’t have to go it alone when taking all your retirement income fac-tors into account. You may want to work with a financial professional – someone who can evaluate your individ-ual situation and then rec-ommend retirement income solutions based on your ap-propriate reliance rate, with-drawal rate and potential income sources. By getting the help you need and by following a suitable longterm strategy, you can ease some of the stress that comes from wondering if your life span might eventually exceed your financial resources.


How can you make your money last during retirement

Cathy KissingerEdward Jones

Financial Advisor, AAMS®

6908 West 48th Street, Fremont, (231) 924-0373

Proudly Featuring Boars Head Meats & Cheeses!

~ Catering Available ~Serving Breakfast

DAILY LUNCH SPECIALS see us on Facebook for MORE SPECIALS

Visit us at our New Location

14 W. Main, Downtown FremontHours: Sun. 7am. -3pmMon. - Sat. 7am - 7pm

231-924-9100

Visitwww.fremontcommerce.

comfor more information on the Fremont area


GOLD SPONSORS

SILVER SPONSORS

Sponsorships Available!

VENDOR APPLICATION

Saturday, March 21st 9am to 3pm


GOLD SPONSORS

SILVER SPONSORS


VENDOR APPLICATION



GOLD SPONSORS

SILVER SPONSORS


VENDOR APPLICATION



Call 231-924-0770for more information

VENDOR SPOTSAVAILABLE!


The Fremont Area Chamber of Commerce welcomes you to join us for the many wonderful, family oriented events. Mark your calendars so you don’t miss out on the fun!

* 15th Annual Fremont Area Home & Garden Show on Saturday, March 21st 9 AM – 3 PM at Fremont Middle School

* FREE Summer Concerts in Veterans Memorial Park - Starting Thursday June 11th at 7 PM and continuing every Thursday through July 30th (except July 20th)

* Fremont Farmers Market - Saturday, June 27th 8:00 AM – 1:00 PM at Fremont Market Place Pavilion. The Farmers Market will be open Saturdays from 8 AM – 1 PM through mid-October. SNAP & Double Up Bucks tokens available with Bridge Cards at TrueNorth Community Services Food Pantry

* Fremont Arts & Crafts Show on Saturday, July 18th 10 AM – 4 PM at Veterans Memorial Park

* 30th Annual National Baby Food Festival will be held July 22nd, 23rd, 24th and 25th downtown Fremont.

* 15th Annual Fremont Harvest Festival Celebration will be held October 1st, 2nd, & 3rd

* 7th Annual Jingle Mingle Arts & Crafts Fair on Saturday, November 14th 9 AM – 3 PM

* Fremont Christmas Stroll and Santa Parade on Friday, December 11th - Downtown Fremont

* Breakfast & Bowling with Santa on Saturday, December 12th at The Commons from 9 AM – 11 AM

Mark yourcalendarsfor these 2020Chamber events

WE LOVE NUTRITIONMr. Jason Morgan1041 W. Main St.Fremont, MI 49412(231)719-9991E-mail: [email protected]

ELITE GUTTERS, LLCMr. David A. Lefler1308 S. Dickinson AveFremont, MI 49412(231)233-6269E-mail: [email protected]

Chamber Handshake

We are pleased to introduce 2 new members of the Fremont Area Chamber of Commerce. We would like to welcome the following companies who have recently joined the Fremont Area Chamber, an organization whose programs help build a better com-munity by building better businesses. Please consider them for your personal and professional needs.

Documents

Connections Bi-Monthly Special Supplement of the · 2020. 2. 5. · Connections Bi-Monthly Special Supplement of the February/March 2020 FACC plans Annual Dinner to be held on Tuesday,