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www.starnewsgaonline.com StarNews January 14, 2024 Page 21 New Year’s financial resolutions Derick newton FINANCIAL ADVISOR Now that we’ve reached 2024, you might be thinking about your goals and hopes for the new year. But in addition to whatever per sonal resolutions you might make - volunteer ing, going to the gym more, learning a new language and others - why not make some financial resolutions? To consider: Boost your retirement savings. If you can afford it, try to increase your contributions to your IRA and 401(k) or similar employer- sponsored retirement plan. The more you put away in these accounts, the greater your chances of reaching your retirement goals. At a minimum, contribute enough to your 401(k) i earn your employer’s match, if one is offered. And whenever your salary goes up, consider raising the amount you put in to your 401(k). Reduce your debts. It’s not always easy to reduce your debts — but it’s worth the effort. The lower your debt load, the greater your monthly cash flow. So, look for ways to con solidate debts or find other, possibly more productive, ways of using credit. And if you truly can’t afford something that’s nonessen tial, don’t go into debt for it. “Live within your means’’ is an old piece of advice, but it’s just as valid now as ever. Build an emergency fund. If you suddenly needed a major home or car repair, or received a large medical bill not fully covered by insurance, would you have the funds avail able? If not, you might be forced to dip into your retirement accounts or other long-term investments. To avoid this possibility, try to build an emergency fund containing several months’ worth of living expenses, with the money kept in a liquid, low-risk account that’s separate from the ones you use to meet your daily expenses. It can take a while to build such a fund, but if you make it a priority and contribute regular amounts each month, you can make good progress. Avoid emotional decisions. Too many peo ple overreact to events in the financial mar kets because they let their emotions get the better of them. If the market is temporarily down, it doesn’t mean you need to sell invest ments to “cut your losses’’ — especially if these investments still have good fundamen tals and are still appropriate for your portfolio. It can be hard to ignore market volatility, but you’ll be better off if you focus on the long term and continue following an invest ment strategy that’s designed to meet your needs. Review your goals. Over time, your goals may have changed. For example, while you once might have wanted to retire early, and planned for it, you may now find that you’d like to work a few more years. If that’s the case, you may also need to adjust your finan cial and investment strategies. Revisit your estate plans. If you’ve mar ried, divorced, remarried or added children to your family within the past few years, you may need to review the account titling and beneficiary designations on your 401(k) and other retirement assets, along with your estate planning documents, such as your will or liv ing trust. You might also need to revise these documents in other ways. Of course, you may not be able to tackle all these resolutions at one time, but if you can work at them throughout the year, you can potentially brighten your financial outlook in 2024, and beyond. Derick Newton is financial advisor, 937B Maple Street, Carrollton, GA 770-832-9515 Article was written by Edward Jones for use by loccd Edward Jones Financial Advisor. Carroll County pistol permits Number of Weapons Carry Permits applied for: DEC. 1-31, 2023: 145 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, 2023: Tanner Medical Center, Carrollton: Females: 47 Males: 57 Tanner Medical Center, Villa Rica:D Females: 26 Males: 38 Carroll County cattle receipts Carroll County Sales Barn 225 Sales Barn Road, Carrollton Dec. 5, 2023: 1097 Dec. 11,2023: 576 Dec. 18, 2023: 600 Dec. 25, 2023: CLOSED Carroll County jail population (The Jack T. Bell Detention Center, 1000 Newnan Road, Carrollton) Total population as of JANUARY 4, 2024: 425 Males: 360 Females: 65 Carroll County prison population Total population as of JANUARY 4, 2024: 245 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) Carroll County marriage licenses December 1-30,2023 Applicant One Last Applicant One First Home Town Applicant Two Last Applicant Two First Home Town Ausby Candace Carrollton, Georgia Brown Steven Carrollton, Georgia Baisden Charles Austell, Georgia Laprade Courtney Austell, Georgia Banister Carter Marietta Ga, Georgia Cammarano Angelina Carrollton Ga, Georgi i Barrett Levar Brooklyn, NY Jimenez Nathalie Mae Philippines Bennett Kaitlynn Suwanee, GA Jindrich Ethan Carrollton, GA Bishop Jeremy Carrollton, GA Cater Kelsie Carrollton, GA Britten Bailey Joplin, Missouri Bearden Timothy Lithia Springs, Georgia Brock James Pell City, AL Patrick Kristin Atlanta, GA Caouette John Leominster, Massachusi Krasnopcro Chloe Rochester, New York Cislak Nicole Statesboro Ga, Georgia Cook Adam Carrollton, Georgia Coppernoll Katelyn Kalamazoo, Michigan Horsley Aaron Carrollton, Georgia Corral Stefany Attleboro, Massachuset Wilkins Daniel Marietta, Georgia Culverhouse Carson Marietta / Ga, Georgia Stephens Briessence Carrollton, Georgia Daniel Corey Carrollton, Georgia Elder Ashleigh Carrollton, Georgia Digsby Joshua Newnan, GA D unkin Alley Cobb County, GA Doss Hannah Douglasville, Georgia Cornelius Daniel Birmingham, Alabam a Eady Frederick Bowdon, Georgia Reed Dianne Tuscaloosa, Alabama Fowler Jatavius Atlanta, GA Fiddemon Essence Albany, NY Fritts-Hogan Haylie Newnan, Georgia Crawford James Carrollton, Georgia Gamez-Narvacz Uriel Leon, Nicaragua Zelaya-Sampson Maria Leon, Nicaragua Glover Ansleigh Canton,GA Oliver Logan Fort Payne, AL Gonzalez Tomas Magno Guatemala Ramirez Audelina Guatemala Goolsby Devin Carrollton, Georgia Wray Deinarie Riverdale, Georgia Hempfling Christopher Charlotte, North Carol iij Weaver Holly Griffin, Georgia Houston Lexus Carrollton, Georgia Mitchell Jamarious Carrollton, Georgia Hurley E ado in Middleburg Heights, OfNapolitano Justin Woodstock, Georgia Ice Joshua Snellville, Georgia Brunia Jennifer Ames, Iowa Ingalsbe Debra Norwood, Massachuset Ingalsbe Farrell Atlanta, Georgia Lashley Veronica Carrollton, Georgia Hammond Christopher Carrollton, Georgia Mcclanahan James Tulsa, Oklahoma Lovett Christopher Atlanta, Georgia Migueltorena Ramirez Alexis Tamaulipas, Mexico Cummings Alexia Carrollton, Georgia Nunn Tabitha Carrollton, GA Chism Anthony Villa Rica, GA Odom Scott Athens, Georgia Odom April Wiesbaden,Hessen, G Ortiz Joanne New York City, NY Olmo Nuria New York City, NY Petty George Carrollton, Georgia Theobald Katie Okinawa, Japan, Arm Postelle Wesley Carrollton, Georgia Gearinger Gabriel la Cleveland, Tennessee Quattlebaum Damian Little Rock, Arkansas Spears Kimberly Temple, Georgia Ramsey Madison Bowdon, Georgia Roddenberry Tyler Bowdon, Georgia Ricks Zachary Villa Rica, Georgia White Madalyn Carrollton, Georgia Roberts Benjamin Newnan, Georgia Horsley Rachel Carrollton, Georgia Ross Justin Harrisburg, PA Williams Mnskelah Israel Rutledge Kenneth Villa Rica, Georgia Rutledge Diana Villa Rica, Georgia Smith Paris Agana, Guam Zhang Tianyangzi China Thompson Elaina Carrollton, GA Baker Christopher San Jose, California Thornhill Thomas Kennesaw, Georgia Duvall Emily Marietta, Georgia Towns Edward Carrollton GA Thomaston Jackie Carrollton GA Truitt Logan jCarrollton, Georgia Liles Payton Carrollton, Georgia Vamer Morgan ICarrollton, GA Smart Haynes Jonathan Union Springs, AL Varner Zachary Montgomery, Alabama Roberts Emma Villa Rica, Georgia Wattley Kristen Villa Rica, Georgia .Mitchell Joseph Villa Rica, Georgia Wilson Presli Marietta Georgia, Arnell Christian Austell, Georgia
