Your Other 8 Hours: 5 Failures of Financial Planning and How to Fix Them

By Robert Pagliarini, Tribune Media Services

If you’re wondering how you are supposed save for a distant retirement when you’re struggling to pay off debt and make ends meet right now, you’re not alone. I think financial planning has failed a lot of people. The promise that if you work hard, save 10 percent of your income, invest in your 401(k), have a diversified investment allocation and have an emergency fund everything will be fine has left a lot of people frustrated, discouraged and even a little angry.

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Do you have an opinion? 10-26

LETTERS TO THE EDITOR
  I caught sight of a little blurb of yours in the January 1 edition of your newspaper, and this reminded me (yet again!) to send you a quick note.
 
Therese Hercher, MSU  Dept. of Epidemiology

VIOLENCE
I pray we can all start making better choices in our lives by making better decisions but until then I hope God has mercy on the souls that make bad choices. God made mankind to give life and not take it.

Lenny McDonald, Lansing, MI

REV. DR. MARTIN LUTHER KING, JR.
January 16th is the only national holiday that commemorates the peace and justice work of a U. S. citizen.  I’m a Vietnam veteran and for me,
 

Arnold Stieber, Grass Lake, MI 

 

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Job Seekers: Peckham, Inc.: Youth Services Staff

Under the supervision of the Footprints Coordinator, the Youth Services Staff position is responsible for the direct care of the youth entrusted to Peckham Incorporated.  Youth Services Staff have the responsibility of providing a safe, caring, team environment.  Additionally, Youth Services Staff will participate in the development, implementation, and documentation of each adolescent’s treatment plan, attend to personal, health, and behavioral needs of the adolescents and other duties including light housekeeping, assisting with homework, cooking, completing required paperwork, and participating with residents in their community activities and recreational activities.

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    Retire Smart: New Lower-Cost Reverse Mortgages Option Gaining Ground

      The reverse mortgage market has been shrinking steadily over the past few years, but a new lower-cost version of these loans for seniors is starting to get some traction in the market.

     

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    News Spotlight: Department of State offices to close for Martin Luther King Jr. holiday

     

    Secretary of State Ruth Johnson reminds residents that all branch offices and the Office of the Great Seal will be closed in observance of Martin Luther King Jr. Day on Monday, January 16, 2012.

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    News Spotlight: 2012 AFRICAN AMERICAN PARADE AND FESTIVAL TO HONOR LANSING WILSON CALDWELL

    LANSING, MI –  The Capital City African American Cultural Association will hold its 12th Annual Parade and Family Heritage Festival on Saturday, August 4, 2012 in downtown Lansing. 

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    News Spotlight: MSU helps transform Michigan into a wine destination

    Michigan has established itself as a wine destination, and Michigan State University has played a pivotal role in all aspects of the industry’s growth.

    Photo by G.L. Kohuth

     

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    Excuse me, are you listening? 10-25

    Dear Readers,
     
    Live Simply. Take Chances. Love people!  Our mantra for 2012 is derived from our current and past sense of renewal. We love Lansing.  We love Michigan.  We have hope and suggest that you find it in your soul as well.  The new year will be particularly interesting as I move into new spaces and leave sluggish spaces in the past.  We are ushering The New Citizens Press right along as well. 

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    Amboseli: Lioness of Potter Park Zoo 1989 – 2011

    LANSING, MI – It is with heavy hearts that Potter Park Zoo announces the death of Amboseli, a 22-year-old female African Lion; one of the oldest lions in captivity.
     
    “Amboseli had so much personality and touched everyone here at the zoo in some way,” says Dr. Tara Harrison, veterinarian at Potter Park Zoo. “She’ll surely be missed around here.”
     
    Amboseli arrived at Potter Park Zoo in 1989 from Gladys Porter Zoo when she was five months old. She lived a good portion of her life with her brother, who was transferred along with her as a cub.

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