Practices get underway for fall sports Jays soon to begin quest for SHAC title Western Brown to hold Meet the Teams Night and OHSAA parent meeting Aug. 8 Norville F Hardyman Carol J Tracy James Witt Ripley officer receives commendation for quick action Bicentennial at Ripley First Presbyterian RULH welcomes new school principals Aberdeen’s Police Dept. continues to grow Mary F McElroy Broncos out to defend SBAAC American Division soccer title Bronco 5K to take place Aug. 5 EHS volleyball team ready for new season Michael C Cooper Raymond Mays Harry E Smittle Jr Mary A Flaugher Western Brown’s Leto excels in Australia Rockets ready for 1st season in SBAAC Paddling, hiking activities available at Ohio State Parks SB Warriors get set to hit gridiron for 2nd year of varsity football Scotty W Johnson Glenna V Moertle Rickey L Hoffer Ruth E Ward David A Watson Janet L Dotson Vilvie S King Steven C Utter Cropper joins Fallis at Bethel-Tate Local kids find success in world of martial arts 13th annual Bronco 5K Run and Fitness Walk set for Aug. 5 Teams compete in memory of Randy Fulton Mike W Smith Roger Helton David A Borders Timothy E Argenbright Joseph W Sherrill Frances K Pedigo Water distribution plans for Ripley move forward Historic Trapp and Wilson building sold RULH graduate wins HFR Scholarship Blanche Malblanc Pauline L Kirk Over 70 take part in 11th Joe Myers 5K Classic Lions Club 4th of July Festival brings outdoor fun to Ripley ODNR reminds visitors to swim safe this summer Changes in high school track and field/cross country rules include school issued and approved uniforms Betty L Philpott Judy B Williams Billie J Russell Remembering Ravye 25 attend volleyball camp in Fayetteville Western Brown hosts Pee Wee Football Camp Eugene L Baumann RULH selects Wilkins as new superintendent Corps of Engineer to study erosion issue in Ripley More funds available through Revolving Loans Jack Hamilton Charles L Glover Maxine M Stires Western Brown youth basketball camps a success Leto to represent Team USA in Australia Broncos hard at work in preparation for fall season Eastern approves bowling team Phyllis Ruth Lois A Manley Eddie L Carr Thomas L Carnahan Cameron Barkley Walter J McGee Gary J Graham George D Johnson Walter F Crawford Jr Charles E Meranda Jr Historic home in Ripley is sold following renovations Hyde finds home at Midway Youngsters work to improve on hoop skills at Eastern basketball camps Sizer named All-District Honorable Mention Western Brown’s Barnes earns All-State, All-District honors Local players compete in SWOFCA Ron Woyan East/West All-Star Game 6th annual Ravye Williams Memorial 3-on-3 Basketball Tournament set for June 24 Clarence E Teal Rosie B Poe Monard C Boots James P Conrad James T Dinser Scott J Swearingen Eastern’s Farris earns award for top 2-point field percentage in Ohio Georgetown’s Seigla earns All-District honors OHSAA announces 2017 football regions and playoffs format Western Brown volleyball camps a success with over 100 in attendance Rigdon finishes high school running career with 10th place finish at state track and field championship meet Grace E Fite Students speak out in support of Skinner Ripley Council to pay half the cost for Air Evac services John McGee Timmy Burson Patricia A London

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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