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Weekly Fishing Tip

Tips for targeting steelhead this fall If you decide to target steelhead on Michigan’s rivers while in a boat, there are two reel options you can turn to. Consider offering bait underneath a centerpin style reel, which are becoming popular with steelhead anglers. The line will come off smoothly allowing for float-suspended baits to work long distances downstream, plus it offers drag-free drifts. 

If you’re not confident on a centerpin style or you’re a novice angler, try a level-wind reel. It allows you to just drop the float behind the boat and wait for the strike. It will take care of the hard work while reeling in your catch by guiding the line on properly. Now is the perfect time to target steelhead! For more information, visit the steelhead page on the Michigan Fish and How to Catch Them website at Michigan.gov/dnr.

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4th and 5th Grade Essay Contest

 5th Grade – Mrs. Harwood’s class with 1st place winner Nathan Fisk standing next to Mrs. Harwood

5th Grade – Mrs. Harwood’s class with 1st place winner Nathan Fisk standing next to Mrs. Harwood

4th Grade – Ms. Norman’s class with 1st place winner Rebekah Wineman standing next to Ms. Norman

4th Grade – Ms. Norman’s class with 1st place winner Rebekah Wineman standing next to Ms. Norman

Mr. George challenged the 4th and 5th graders to participate in grade level essay contest. 1st place for the fourth grade went to Rebekah Wineman. Nathan Fisk took first place for the 5th grade. Mr. George presented each of them with a Charger sling bag and declared all of the students in the two grades were winners because of their participation.

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CTA Celebrates First “Wall of Honor” Induction; Coxons Honored

L-R Mrs. Lexie Coxon, Dan George, Dr. DeWayne Coxon

L-R Mrs. Lexie Coxon, Dan George, Dr. DeWayne Coxon

CTA held its inaugural “Wall of Honor” induction ceremony on Thursday, October 23 in the CTA auditorium. Dr. DeWayne Coxon and Lexie Coxon were honored as the first inductees. The Coxons were co-founders of CTA in 1998. Dr. Coxon served as a consultant for a time after the school was started and Mrs. Coxon has served the school as Superintendent/School Leader, volunteer, and board recorder.

“I’ve always believed in the value of knowing our history,” said Superintendent/School Leader, Dan George.  “The Coxons’ vision and efforts in establishing CTA is an important part of that. I want our students to know about people that made sacrifices and dedicated time and effort to making this school a viable choice for them and their parents. We established the Wall of Honor to recognize those people.” It is anticipated the Wall of Honor celebration will be an annual event for the school.

 

 

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CTA Calendar

November 21 Student Early Release – (2 hours early)
K-5 Dismissal at 12:55 pm
6-12 Dismissal at 1:06 pm

26-28 No School for Students and Staff (Thanksgiving Break)

December 12 Early Release – (2 hours early)
K-5 Dismissal at 12:55 pm
6-12 Dismissal at 1:06 pm

19 Last day before Winter Break

22-January 2  – Winter Break

January 5 Classes resume

 

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CTA Spirit Week & CTA Halloween Extravaganza!

Mr. Krombeen and freshman James Hofstra enjoying the competitive nature of the game!

Mr. Krombeen and freshman James Hofstra enjoying the competitive nature of the game!

October was a fun filled month for CTA Elementary; we experienced our first Spirit Week of the year.  Wow, the CTA Yearbook staff put together a fantastic week! Monday, the Crazy Hair theme was a hit. Tuesday’s PJ Day is always a crowd pleaser! Wednesday, who doesn’t enjoy a Beach Day in the middle of the week? Thursday was Inside-Out day; on Thursdays, we all feel a little inside-out.  Then to top it off, Charger Day on Friday, which led into a staff vs. students flag football game. The Staff came away with a victory, but the scores were close.

 

Mrs. Krombeen and Olaf (Zachary Smith) were right with the weather forecast

Mrs. Krombeen and Olaf (Zachary Smith) were right with the weather forecast

Second grade class showing their Charger spirit on Halloween

Second grade class showing their Charger spirit on Halloween

Also, we had our annual Halloween Parade on Friday, October 31! Superheroes, Elsas, and animals came out in spades.  Yes, it was snowy, but it is still fun! Everyone enjoyed showing off their costumes to the whole school. Pictured here (right) is second grade enjoying the festivities; Mrs. Krombeen and Olaf (Zachary Smith) were right with the weather forecast. The picture on the left is of the entire second grade class showing their Charger spirit on Halloween.

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ASK SCORE

 

By Bob Cooper, SCORE Counselor

 

Do I Need a  Corporation, a Partnership or an LLC for my business? 

Prior to starting a new business it is important to select the proper legal structure.

It is possible to start a business by yourself without creating any separate structure; this type of structure is commonly called a “Sole Proprietorship.” In a Sole Proprietorship, all income and expenses are recognized by you on your income tax return, and the business tax ID number would be your social security number. The Sole Proprietorship is the simplest form of business structure, and would work well if the business had little likelihood of incurring liability, or costs, as the result of something going awry. The owner is liable for all debts and obligations of the business, and therefore the owner’s property is subject to claims of business creditors.

A husband and wife filing jointly can be a Sole Proprietorship. A name for the business can be adopted by the sole proprietor and an assumed name certificate is filed with the County Clerk’s office.

Every form of business structure other than the Sole Proprietorship is formed by making application to the State of Michigan, because every other form of business must receive approval from the State before operating. Also, every other form must receive a tax ID number from the Federal Internal Revenue Service in order to file documents with the IRS.

A second form of business structure is a general “Partnership” which is formed by two or more people who will own and operate the business together. The Partnership is controlled by a formal partnership agreement stating a partner’s contribution, control, management and the sharing of losses and profits. The agreement should also attempt to spell out what happens when a conflict arises, such as death of a partner or disagreement between the partners. A Partnership continues by agreement of the partners, unless it is ended by certain acts, such as the death of a partner, as provided by State law. All partners in a general Partnership are liable and responsible for all obligations of the Partnership. A name for the business can be filed as an assumed name with the County Clerk’s office.

A third form of business structure is a Limited Partnership which simply means that one or more of the partners operate the business while others are strictly investors.

Another form is the “Limited Liability Company,” commonly called an LLC. The benefit of the LLC is to limit the liability of the owners. When someone has a claim, the claim must be made against the company and not against the owners, as long as the company is operated correctly. The management of the LLC is defined by a management agreement and filed with the State at the time the LLC documents are filed. An LLC files an information return with the IRS. This return tells the IRS the names of the owners and the percentage amount of the income received by the business upon which each owner must pay the taxes.

A “General Corporation” is another type of business structure. The Corporation is the most widely used but the most complex form of structure from the standpoint of paperwork and administration. However the Corporation allows for easy investment by the use of stock or shares in the company. The Corporation has an identity and existence separate from its owners or shareholders. The Corporation gives the most protection to the owners, or stockholders, from claims, which can only be filed against the Corporation. The corporate structure shields the owners and/or stockholders from liability for wrongful actions of the corporation. The Corporation can have a perpetual existence, unlike the other types of business structure. A Corporation is required to file a tax return separate from the tax returns of the stockholders, and is subject to taxation on its income. The Corporation must request permission from the State to do business under a different name.

In the business structures that provide a shield from liability for the owners, the owners must operate the business separately and distinguish it from themselves, as a separate entity.

Get free and confidential counseling with SCORE, 111 Pearl Street NW, Grand Rapids, MI 49503. Call (616) 771-0305. Visit our website at www.scoregr.org or email us at score@grandrapids.org.

 

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Beware of call claiming to be IRS

 

From the BBB of Western Michigan

 

For the past weeks many West Michigan residents have been receiving phone calls that purport to be from the IRS, advising them that there is a problem with their federal income tax return. The BBB serving Western Michigan is being informed every day about phone calls supposedly from the IRS that become increasingly threatening, and ultimately demand money from you. The real IRS says they won’t call you, they will communicate by mail.

If you have been contacted by phone by someone claiming to be from the IRS, BBB suggests that you file a complaint at http://www.treasury.gov/tigta/contact_report_scam.shtml.  You can also call 1.800.366.4484.

The IRS says that this is the latest in a series of scams aimed at taxpayers in an effort to steal your identity. They caution that you should avoid giving out personal information over the phone unless you are positive that you have the real IRS on the line. Keep in mind that the IRS does not take tax payments over the phone; however, they have a number of payment options on their website at www.irs.gov.

Additionally, IRS Criminal Investigation does not collect payments of taxes. If you do receive a summons from IRS they’re not going to call you in advance. The IRS is working with the Treasury Inspector General for Tax Administration to try to stop these frauds. The IRS asks taxpayers to be diligent as they work to “protect taxpayers from the ongoing trend of phone scams pretending to be the IRS.”

BBB reminds you that the IRS will never ask you for personal information using email or social media as a first contact: your first contact with the IRS is usually by mail. The IRS won’t ask for payment using a pre-paid debit card or wire transfer or ask for a credit card number over the phone. The IRS also does not ask for PINs, passwords or similar confidential access information for credit card, bank or other financial accounts. And the IRS won’t use threatening language or claim that you’ll be reported to other agencies such as the United States Citizenship and Immigration Services (USCIS) or local law enforcement.

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Faces and facts tell the story of disability

 

Vonda VanTil

Vonda VanTil

By: Vonda VanTil, Social Security Public Affairs Specialist

 

Every family has stories—stories are a great way to carry on family legacies, pass lessons on to future generations, and share what is important to your family with the rest of the world. Your family stories may include ones about the birth of a child, serving in war, helping people in need, or the deaths of loved ones.

We’d like to share some stories about what it means to receive disability benefits from Social Security and we have a website that does just that:  The Faces and Facts of Disability is ready for you to explore at www.socialsecurity.gov/disabilityfacts.

Learning the facts and hearing people’s stories about disability allows for a fuller understanding of what is perhaps the most misunderstood Social Security program.

The Social Security Act sets a very strict definition of disability. To receive disability benefits, a person must have an impairment expected to last at least a year or result in death. The impairment must be so severe that it renders the person unable to perform not only his or her previous work, but also any other substantial work in the national job market. Social Security does not provide temporary or partial disability benefits. Because the eligibility requirements are so strict, Social Security disability beneficiaries are among the most severely impaired people in the country and tend to have high death rates.

In addition, Social Security conducts a periodic review of people who receive disability benefits to ensure they remain eligible for disability. Social Security aggressively works to prevent, detect, and prosecute fraud. Social Security often investigates suspicious disability claims before making a decision to award benefits—proactively stopping fraud before it happens.

Please read and watch some of the stories about real cases of people who have benefited from Social Security by visiting the Faces and Facts of Disability website at www.socialsecurity.gov/disabilityfacts.

Vonda VanTil is the public affairs specialist for West Michigan.  You can write her c/o Social Security Administration, 3045 Knapp St NE, Grand Rapids MI 49525 or via email at vonda.vantil@ssa.gov  

 

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Traveling too light

 

A porter loaded down with suitcases followed the couple to the airline check-in counter.

As they approached the line, the husband glanced at the pile of luggage and said to his wife, “Why didn’t you bring the piano, too?”

“Are you trying to be funny?” she replied.

“No, I really wish you had,” he groaned.  “I left the tickets on it.”

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Hometown Happenings

Hometown Happenings articles are a community service for non-profit agencies only. Due to popular demand for placement in this section, we can no longer run all articles. Deadline for articles is Monday at 5 p.m. This is not guaranteed space. Articles will run as space allows. Guaranteed placement is $10, certain restrictions may apply. You now can email your Hometown Happenings to happenings@cedarspringspost.com please include name and phone number for any questions we may have.

Enter Today for Sand Lake’s 12 Days of Christmas 

Dec. 13: The 12 Days of Christmas Kick Off Celebration starts on Saturday, December 13th. Enter today for the Cookie Contest, Quilt Show, Out House Races and the Vintage Snowmobile Show. For more information visit www.sandlakechamberofcommerce.com. To enter the snowmobile show contact Ron Knapp at the West Michigan Snowmobile Museum and Library, 616-636-7232. #47p

 

Holiday Pie Sale

Nov. 22: Please join us for the annual Tri-County 4H Holiday Pie Sale! Saturday, November 22nd from 9 am to 2:30 pm. Apple, Blueberry, Cherry, Pecan or Pumpkin. At the Tractor Supply Company on the corner of 17 Mile and White Creek. Also visit our Christmas Bake Sale, December 20th at Tractor Supply Company from 9 am to 2:30 pm. Proceeds benefit the Tri-County Country 4H Club. #47p

 

TOPS weight loss support group

Nov. 25: Take off pounds sensibly (TOPS), a non-profit weight loss support group for men and women, meets every Tuesday at the Resurrection Lutheran Church in Sand Lake. Your first visit is free so come check out what TOPS can do to help you reach your weigh loss goals! Weigh-ins 8:15-9am, meeting starts at 9:15am. In case of inclement weather, meetings are cancelled if Tri-County or Cedar Springs schools are closed. Call Barb at 696-8049 for more information. #47

 

5th Annual Rockford Turkey Trot

Nov. 27: The 5th Annual Rockford Turkey Trot, benefit for North Kent Community Services will be held on Thursday, November 27th at 9:30 am. Meet at the Rotary Pavillion, Squire Street, downtown Rockford. Walk/Run the White Pine Trail to 12 Mile Rd. (choose your own distance and pace). Work off the calories BEFORE your feast plus help provide for folks needing food. Please bring a donation of nonperishable foods or paper products for NKCS. Cash also accepted. Hot beverages and a light snack will be provided after the Trot. Door prizes! Hosted by the Courtland Oakfield United Methodist Church. #47,48p

 

Help Promote Literacy

Dec. 2: The Literacy Center of West Michigan has scheduled and information session on Tuesday, December 2nd for prospective volunteer tutors. This session is held at 6:30 pm and lasts one hour. It allows persons interested in becoming volunteer tutors to fund out more about the Center and its literacy programs. At the end of the session there will be an opportunity to sign up for tutor training. By training people to be tutors, the Center can offer one-on-one reading help to adults asking for assistance in reading or English as a Second Language (ESL). You do not need to speak another language to tutor ESL. The Center is located at 1120 Monroe Ave., NW, Suite 240, Grand Rapids. Please call 616-459-5151 (ext. 10) to register. #48

 

Free Will and Trust Workshop

Dec. 6: At this workshop you will learn about the ten mistakes made in estate planning. Including how to avoid probate court, unintended disinheritance, unnecessary estate taxes and more. Featuring guest speaker, Greg Hamilton of Hamilton and Associates, PLLC. Saturday, December 6th at 10 am at Alpha and Omega Coffee Shop in Cedar Springs. Coffee, juice and donuts will be provided. Due to limited space, preregistration is required by December 4th. Please contact Angela Schalow at 616-696-8255 or angela@conflittiagency.com. #48p

 

Homes for the Holiday Tour

Dec. 6: The Friends of the Timothy C. Hauenstein Reynolds Township Library is holding their Homes for the Holiday Tour on December 6th from 12:30 to 4:30 pm. Advance tickets may be purchased at the Library or at Kindel & Company. Advance tickets are $10, on the day of the event $12. Ticket price includes refreshments at the library after 2 pm. Follow the Snowflake Signs. Homes on the tour are; Jerry and Brenda Gartszke, Poisson Family, Susan Sunden, Brenda Tumosa and Jessie Vogel and Bob Visser. #47

 

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