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Work toWard Your oWn

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On July 4, we celebrate our nation’s independence and the many freedoms we enjoy. But as you go through life, you’ll find out how important it is to work towards another type of freedom — financial freedom. That’s why you need to put strategies in place to help you work towards your own Financial Independence Day.There’s no way to “sugar-coat” this task, because it will be challenging. In recent years, a combination of factors — including depressed housing prices, rising health care costs, frozen or eliminated pen-sion plans and the financial market plunge of 2008 and early 2009 — has made it more difficult for many of us to accumulate the resources we’ll need to enjoy the retirement lifestyle we’ve envisioned. In fact, the average American family faces a 37 percent shortfall in the income they will need in retirement, according to a recent report by consult-ing firm McKinsey & Company.But now that we’ve gotten the “bad” stuff out of the way, let’s turn to the good news: You can do a great deal to work towards financial freedom during your retirement years. Here are some sug-gestions that can help:* Save and invest more. Obviously, the younger you are, the greater the benefit you’ll get by increasing your savings and investments. But whatever your age, you’ll find that it pays to save and invest more. During difficult economic times, of course, it’s not always easy to boost your sav-ings and investments, but try to find ways that are as “automatic” as possible. For example, when-ever you get a raise, increase your 401(k) contri-butions, which come directly from your paycheck. And whenever you get a “windfall,” such as a tax

refund, try to use part of it for your IRA or another investment account. * Rebalance your portfolio. It’s always a good idea to periodically rebalance your investments to make sure they are still aligned with your goals and risk tolerance. But it’s especially important to rebalance as you get older and you near retire-ment. At this stage, you’ll want to decrease the volatility in your portfolio and lock in what gains you’ve achieved, so you may want to move some (but certainly not all) of your more aggressive investments into less volatile ones. * Cut down on debts. It’s easier said than done, but anything you can do to reduce your debt load will free up money to invest for your retirement. Work diligently to pay off whatever debts you can and examine your lifestyle to find areas in which you can reduce spending. * Consider working part-time during retirement. Many Americans are now living longer and enjoy-ing happy, healthy retirements. In fact, the concept of “retirement” has changed so that it now includes any number of activities — including part-time work in a completely different area from one’s previous career. If you are willing to do even a little part-time work during your retirement years, you can greatly reduce the financial pressures you may face during this time of your life.The 4th of July comes and goes quickly. So put strategies in place now to help you work towards your own Financial Independence Day.Edward Jones, its employees and financial advisors cannot provide tax or legal advice. Please consult your attorney or qualified tax advi-sor regarding your situation.

Elly DaltonFinancial Advisor, AAMS863 Flat Shoals Road, Suite 300Conyers, GA 30094770-918-0725www.edwardjones.comMember SIPC

This article was written by Edward Jones for use by Elly Dalton Financial Advisor

Call or stop by my office for more information or to schedule a complimentary portfolio review.

Making Sense of Investing.

LuAnn Orchowski, CPA, P.C.Certified Public Accountant

882 Main Street, Suite 140 – Conyers, GA 30012 (770) 922-2800 • www.orchowskiCPA.com

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Mary Can MakeYou Beautiful!

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For appointments: 770-922-7775

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the yellow house)

770-761-9922

933 Center St in Olde Town Conyers

770-483-7211Pharmacist: Vince Evans

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Dennis Barkley678-283-2380

Insurance Claim WorkOver 20 years experience! No job too big or too small!

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1 Dozen Fresh EggsWeekend Package B $31.99

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1745 Hwy 138, Conyers • 770-483-8464

Mon-Fri 10:30 – 8, Sat. 10-4

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Insurance WelcomeHMO/PPO Provider

770-760-0060FortinLindellChiro.com Tell us you saw our ad in About Conyers!

James F. Lindell, DC2002 Graduate Cleveland Chiropractic College

1st & Only Certified “Impulse” Chiropractor in GA

Daniel P. Fortin, DC1976 Palmer Graduate

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LEVETT BONDING COMPANY1965 Sigman Rd, Suite 101

770-761-7777Bonding Agents Available

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Personal Checks WelcomeMoneygram Available

Serving All Metro AtlantaProfessional & Confidentiallevettbailbonds@bellsouth.net

STUFFTHE BUS!STUFFTHE BUS!

Look for the school bus the week of July 11-15in the parking lots of Wal-Mart, Target, Kroger, Staples & Publix at Rockdale Square

HELP KIDS START THE SCHOOL YEAR READY TO LEARN!Please donate the following NEW items & bring them to the bus locations!

Backpacks, calculators, pocket dictionaries, composition notebooks, pens, pencils, binders, jumbo book covers, glue sticks, crayons, deodorant, band-aids, toothbrushes, toothpaste,

soap, clothing items such as socks, underwear, sweat pants and shirts. GIFT CARDS to local stores where children’s shoes can be purchased are also needed!

VOLUNTEERS will be warmly welcomed! Call 678-623-2857 for more information!

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678-374-3008

1191 Irwin Bridge Road, Conyers, GA 30012, Just North of Main Street

See our daily specials on our website!www.elcoquicafe.net

Hours:Mon-Thurs 12pm to 6pm

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ONE YEAR ANNIVERSARY!

Bike Ride in Olde TownAapproximately 4-mile/45-minute leisurely group ride for kids & adults on the beautiful historic streets of Olde Town, 4th Sunday of every month, start at the railroad depot area

at 4PM, finish at Whistle Post Tavern, call Eddie Shirey: 770-483-1110 or Brent Taylor: 678-283-2421

Fly Fishing ClinicPanola Mountain State Park

Sunday afternoon Fly Fishing Clinic (1st Sunday of the month through Dec. 4th), 2PM,

$15 or $12 with own gear, plus $5 parking, www.gastateparks.org, requires advanced

reservations, call 770/389-7801

Fourth of July FestivitiesFabulous Fourth Festival at the

Georgia International Horse ParkFree Admission & Parking

Arts, Crafts, Vendors, Live Entertainment,Car Shows, Ultimate Air Dogs & More

Fireworks!July 4th at 5:00 PM

1996 Centennial Olympic Parkway770-602-2606

www.conyersfabulousfourth.com

Frog SlogPanola Mountain State Park

(Every Thursday until August 18), 6PM, $7 plus $5 parking, be prepared to get wet,

muddy, and bring a flashlight and headlamp, nets, seines and buckets, requires advanced

reservations, call 770/389-7801 or go to www.gastateparks.org

Splash PartiesGame Time in Covington

Rent our facility for fun outdoor inflatable water slide parties!

770-385-7288www.gtcovington.com

Starlight & FIreworksPanola Mountain State Park

July 2, 7:30 PMListen to owls and whipporwills as hundredsof fireworks shower the skyline. (Fireworks

not allowed inside the park)Bring your flashlight and wear comfortable

clothing. $10 plus $5 parking770-389-7801

Summer Art CampChildren’s Art Factory

Play! Paint! Learn! & Create!939 Bank Street

Conyers, GA 30012www.childrensartfactory.com

Summer Drama CampThe Conyers Rockdale Council for the Arts

Drama Camp - for rising 3rd graders thru college. July 11 - July 23- Rockdale Auditorium

Cost $100 for both weeks. Learn what it takes to become a triple threat!

Call 770-922-3143 or visit conyersarts.org for more details!

Summer Karate ClassesAKJ Karate & Mixed Martial Arts

Summer fun for children of all ages.Karate, Gracie Jiu-Jitsu, Brazilian Jiu-Jitsu

and Arnis Instruction895A Flat Shoals Road, Conyers

770-860-9304www.akjkarate.com

Fun Activities For Kids And The Family!

Sunday Afternoon HikePanola Mountain State Park

Until Sunday, August 28 at 4PM, $7 plus $5 parking, bring sturdy shoes, water, bug spray, and camera, requires

advanced reservations, call 770/389-7801 or go to www.gastateparks.org

Summer Karate CampUMAS

Kids ages 5-12 learn confidence, self-control and fitness skills!

Conyers • Salem Rd • 770-385-8106 Covington • Hwy 278 • 770-787-8707

www.umaskarate.com

Summer Learning CampLiteracy Link Learning Center

*Summer reading, writing and math work-shops to help alleviate the acheivement gap, exciting weekly field trips, cooking, dancing

and an exclusive fashion show extravaganza3460 Hwy 20 SE, Conyers, Ga 30013

www.literacylinkcenter.com770-648-7636

Summer Learning CampsBridgestone Child Development Center

Themed fun-filled summer camps.All field trips included. Arts & Crafts Projects.

Great food and snacks.Guest speakers & entertainers.

2130 Bridgestone Business Parkway678-374-5410

www.bridgestonedc.com

Summer Soccer CampRockdale Youth Soccer Association

1780 Salem Road, call 770 388 9259www.rysa.net

Summer Sports Day CampRockdale Gymnastics

A variety of games including Rock-climbing, gymnastics, etc.

1770 old Covington Hwy, Conyers770 483 0229, www.rockdalegynmastics.com

Tennis CampLittle Pebbles Camp for age 4-7

to develop basic tennis skillsRockdale TennisCenter, 1370 Parker Rd

770 278 7251, www.rockdaletenniscenter.org

Thrilling ThursdaysNancy Guinn Library

Puppet and magic shows, magicians and more! 10:30 Am downstairs meeting room.

The library is located on Green Streetand Oakwood in Olde Town Conyers.

770-388-5040www.conyersrockdalelibrary.org

Tree Top ExcursionsPanola Mountain State Park

Introduction Climb(3rd Saturday of the month from May 21 thru

December 17), 1PM-4PM, $15 plus $5 parking fee, requires advanced

reservations, call 770/389-7801 or go to www.gastateparks.org

Fun Activities For Kids And The Family!

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