The World 011222

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FINANCIAL FOCUS | JANUARY 2022
o can you iprove your financial fitness
It’s always smart to stay
physically fit, at every
point in your life. ut financial
fitness is important, too.
re you doing everything
you can to boost your financial
well-being
The topic of financial
health is certainly on the minds of many
people. In fact, 70 of mericans say the
CI-1 pandemic has caused them to pay
more attention to their long-term finances, according
to a recent Edward Jonesge ave
survey titled our Pillars of the ew Retirement
hat a ifference a ear Makes.
hile interest in financial health is widespread,
some groups are feeling more positive
about their future than others. aby oomers
came through the pandemic in generally good
financial shape, while en and Millennials
felt the greatest negative financial impact, according
to the our Pillars study. nd women’s
confidence in their retirement savings
remains low, as the pandemic widened the
economic gender gap, particularly for women
of color. So, your outlook may depend somewhat
on your demographics.
ut regardless of your age or gender, you
can still take some steps to improve your financial
health, including these
Conduct an investment check-up. etting
a regular check-up is a key part of maintaining
good physical health. nd the same
principle applies to your investments you
need to periodically assess their vital signs.
Is your portfolio still appropriate for your risk
tolerance and time horion Is it providing
you with the growth potential you’ll need to
help you achieve your long-term goals, such
as a comfortable retirement Is it diversified
enough, or do you own too many of the same
investments Even though diversification
can’t guarantee profits or protect against all
losses, it can help reduce the impact of financial
market volatility on your portfolio.
• • •
Take preventive measures. Throughout
your life, you probably take medicines
as needed, and possibly vitamins and other
supplements, in an effort to treat eisting illnesses
or prevent future ones. ou also can,
and should, take preventive measures to boost
your financial health. or eample, do you
have sufficient life and disability insurance
If your family situation has changed through
divorce, remarriage or the births of new children,
have you updated the beneficiary designations
on your insurance policies nd
have you taken steps to protect your financial
independence and possibly avoid burdening
your family by addressing the potentially
huge costs of long-term care, such as an etended
nursing home stay
void unhealthy moves. Smoking, a
sedentary lifestyle and ecessive stress are
all considered unhealthy for our bodies. ut
some activities are unhealthy for our financial
fitness, too. ou may be tempted to tap into
your IR or 01k to pay for a short-term
need, such as a down payment on a new car,
but if it isn’t absolutely essential that you get
this car, or if you possibly can obtain other
sources of funding, you may want to avoid
touching your retirement accounts. or one
thing, withdrawals may incur taes and penalties,
but, ust as important, these accounts
are intended to provide you with some of the
income you’ll need when you’re retired so
the more you deplete them now, the more financial
strain you may face during retirement.
Staying physically fit reuires determination
and work and the same is true for maintaining
financial fitness. ut the effort you put
into staying financially healthy can help you
keep moving toward your financial goals.
This article was written by Edward Jones
and provided by 3 Pitkin Court, Suite 101,
Montpelier, VT 05602 Phone 802-223-3425,
Fax 888-290-0547, kristin.dearborn@edwardjones.com,
www.edwardjones.com Edward
Jones. Member SIPC.
A $5 Bag of Heroin in Mass. is Worth $20
in Vermont, Causing a “Guns-for-Drugs
Pipeline” Between the States
By CompassVermont.com
bag of heroin in
Springfield is worth 20 in
ermont, so it’s uite lucrative
for Springfield gangs to
deal drugs up that way. nd
guns are much easier to get
in ermont, so guns are routinely
traded for heroin.
The availability of guns is
unprecedented.
Those are the words of
Springfield, Massachusetts
Police Captain rian eenan
speaking to Massive about
the issue between the two borders.
eenan said Springfield police seied 2 illegal guns during
arrests, including 1 R-1-style semi-automatic rifles, 2
ghost guns made of untraceable components, and doens of
large-capacity firearms fitted with magaines with more than
ten rounds.
rugs and guns go together, he said. nd you rarely see
one without the other.
eenan said that many illegal guns come into the Springfield
area because of other states with less stringent gun laws.
nd, while many of them come from locations further south, a
lot of them come from a direct pipeline between ermont and
Springfield, he said.
The pipeline involves bartering between heroin dealers in
Springfield and illegal gun dealers.
In early ovember, police in ennington, ermont, raided a
house to find several firearms, many with large-capacity maga-
ines, drugs, and thousands of dollars in cash. Seven people
were arrested, including known gang members from Springfield,
Massachusetts.
In interviews, ennington police chief Paul oucette said
that the town sees more gang activity from Springfield, less
than two hours to the southeast. s a result, he has reached
out to federal and Massachusetts law enforcement for help, the
Massive report said.
eenan said the increase in guns and gun activity in Springfield
comes down to availability and what he called the lack
of accountability for people charged with gun crimes.
Massachusetts has strict gun laws, but eenen epressed
frustration with the courts for routinely setting low bails and
not imposing maimum sentences for serious gun crimes.
uys know that they’re probably going to get out again if
they are arrested on a gun charge, he said.
The report said that ampden, Massachusetts istrict ttorney
nthony ulluni, also agrees with the focus on guns.
ulluni said this pipeline has been the focus of repeated investigations
in the two states. e have made numerous arrests
and are aware of this and doing our best ... to stop the pipeline,
but it’s an ongoing problem, ulluni said.
CompassVermont.Com is an independent publication
founded by a native Vermonter, providing non-editorial news
and stories presented in concert with the culture, mindset, and
values of the Green Mountain State.
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January 12, 2022 The WORLD page 7