Rita Tarvin Rocket win streak reaches five G-Men ascend to 4-0 in SBAAC National Division with win at Williamsburg Jays soar to 3-1 with win at North Adams Young Lady Jays improving as season progresses Mary J Yockey Callie J Maynard Windle Blanton Daisy D Nevels RULH HS students visit Jungle Jims Aberdeen Council has busy end of the year River Village Christmas celebration begins SR 41 now open Gast’s three-point shower drowns the Tigers Lady Rockets capture wins over Ripley, Batavia Keplinger signs with Shawnee State Warriors down the Devils, fall to the Greyhounds Broncos edge out Williamsburg, 53-50 Carol S Newman John E Short RULH Elementary names ‘Go Green’ Students RE/MAX Local Experts opens in Williamsburg RULH wraps up ‘No Shave November’ fundraiser Eleven indicted by Brown County Grand Jury Donald C Vance John C Morris Rebecca E Simpson Hot start sets pace for Broncos’ 85-40 win over CNE G-Men get off to 1-1 start Lady Rockets start off season with tough string of road games Basketball Special: 2017-18 Katherine J Wolfe Virginia J Germann Rev Commadora Manning Mona K Kirker Ohio Rural Heritage Association donates to Food Pantry RULH FCCLA attends meeting in D.C. RULH MS students try ‘Tabletop Twitter’ Ripley Village Christmas update Bonita Planck Carol J Wagner Christopher O Richey Sr Five new members to enter WBHS Athletic Hall of Fame Blue Jays ready to soar under Woodward Fischer named to OPSWA All-Ohio First Team of football all-stars High school girls’ hoop action kicks off in Brown County Formation of new joint Fire & EMS District discussed RULH students learn about ‘Global Food’ Personal financial management class at RULH High School Dale G Ferriel John E Slack Nicholas A Arthur Bonnie J Roush Charles E Faul Phyllis A Mills Carl L Watson Marc W Bolce Robert R Moore Robert K King June R Williams William T Ishmael Sr Deborah J Napier High school hoop action begins Fayetteville SAY Girls Wing Soccer Team finishes season among state’s Final Four Devils visit Georgetown for OHSAA Foundation Games Grandfather charged in boy’s death ‘Real Money’ at RULH Middle School Ripley High School celebrates Veterans Day Reward increases for information leading to conviction in Stykes’ murder Ripley Village Christmas update Kenneth M McKinley Vilvens signs with Mount St. Joseph SBAAC awards girls tennis all-stars Layman inducted into Miami University Athletic Hall of Fame SBAAC hands out awards to First Team girls’ soccer all-stars John D Marks Aberdeen Police Department receives ‘Shop With a Cop’ donation Benefit to take place Nov. 17 for Grace Copple St. Michael students take part in Community Soup Supper Voters return Worley to the bench Ruby A Ratliff Donna J Moore Stella M Glasscock Ellen L Gelter Alverda T Guillermin Justin N Beach EHS dedicates ‘Kiser Court’ SBAAC awards First Team football all-stars, winning teams Sizer earns SBAAC American Division Volleyball Player of Year honors for 3rd straight year Broncos to host Blue Jays for OHSAA ‘Jimmy Young’ Foundation Game, Nov. 17 Vern W Kidd Jr Brown County Election Results – 2017 Michael D Hines Raymond W Napier Leslie E Boyle Gary L Barber RULH NHS welcomes new inductees K-9 Units and handlers visit RULH High School EMS members honored for service Road work on Ripley streets to begin

Avoid emotional investment decisions

What’s the biggest obstacle to your ability to invest successfully? Is it the ups and downs of the financial markets? Political events? The fact that you weren’t born rich? Actually, the chief hurdle you face is something over which you have control: your own emotions.

Your emotions can lead to a variety of ill-advised investment behaviors, such as these:

-Cutting losses: Declines in the financial markets can lead some investors to try to “cut their losses” by selling investments whose price has declined. Yet, when prices have dropped, it may actually be a good time to buy investments, not sell them, especially when the investments are still fundamentally sound.

-Chasing performance: In the investment world, the flip side of “fear” is “greed.” Just as some investors are propelled by fear of loss, others are motivated by quick, big gains. They may pursue “hot” investments, only to be disappointed when the sizzle quickly fizzles. Instead of trying to “score” that one big winner, you may be better off spreading your investment dollars among a range of vehicles – stocks, bonds, government securities, certificates of deposit (CDs) and so on. While diversification can’t guarantee a profit or protect against loss, it may help reduce the impact of market volatility on your portfolio.

-Focusing on the short term: When the market is down, you might get somewhat upset when you view your monthly investment statements. But any individual statement is just a snapshot in time; if you were to chart your investment results over a period of 10, 15 or 20 years, you’d see the true picture of how your portfolio is doing – and, in all likelihood, that picture would look better than a statement or two you received during a down market. In any case, don’t overreact to short-term downturns by making hasty “buy” or “sell” decisions. Instead, stick with a long-term strategy that’s appropriate for your goals, risk tolerance and time horizon.

_Heading to the investment “sidelines”: Some people get so frustrated over market volatility that they throw up their hands and head to the investment “sidelines” until “things calm down.” And it’s certainly true that, when owning stocks, there are no guarantees; you do risk losing some, or all, of your investment. But if you jump in and out of the market to “escape“ volatility, you may take on an even bigger risk – the risk of losing some of the growth you’ll need to reach your goals. Consider this: If you had invested $10,000 in a package of stocks mimicking the S&P 500 in December 1979, your investment would have grown to more than $426,000 by December 2013. But if you had missed just the 10 best days of the market during that time, your $10,000 would only have grown to less than $206,000 – a difference of about $220,000, according to Ned Davis Research, a leading investment research organization. The bottom line? Staying invested over the long term can pay off. (Keep in mind, though, that the S&P 500 is an unmanaged index and isn’t meant to depict an actual investment. Also, as you’ve no doubt heard, past performance is not a guarantee of future results.)

Our emotions are useful in guiding us through many aspects of our lives, but when you invest, you’re better off using your head – and not your heart.

Jim Holden is a local Edward Jones Financial Advisor in Georgetown. Edward Jones, it employees and financial advisors are not estate planners and cannot provide tax or legal advice.

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