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Steps victims can take to minimize effect of data theft


Tax tip 2018-27

Every day, the theft of personal and financial information puts people at risk of identity theft. Generally, thieves try to use the stolen data as quickly as possible to:

  • Sell the information to other criminals.
  • Withdraw money from a bank account.
  • Make credit card purchases.
  • File a fraudulent tax return for a refund using victims’ names.

Victims of a data loss should follow these steps to minimize the effect of the theft:

  • Try to determine what information the thieves compromised. Compromised information may include emails and passwords, or more sensitive data, such as name and Social Security number.
  • Take advantage of credit monitoring services when offered by the affected organization.
  • Place a freeze on credit accounts to prevent access to credit records. It varies by state, but there may be a fee to place a freeze on an account. At a minimum, victims should place a fraud alert on their credit accounts by contacting one of the three major credit bureaus. A fraud alert isn’t as secure as a freeze, but it’s free.
  • Reset passwords on online accounts, especially those of financial sites and email and social media accounts. Use different passwords for each account. Some experts recommend at least 10-digit passwords, mixing letters, numbers and special characters. Victims may also wish to consider using a password manager or app.
  • Use multi-factor authentication, when available. Some financial institutions, email providers and social media sites allow users to set their accounts for multi-factor authentication, which requires a security code, usually sent as a text to their mobile phone, in addition to a username and password.

All taxpayers should keep a copy of their tax return. Taxpayers using a software product for the first time may need their Adjusted Gross Income amount from their prior-year tax return to verify their identity. Taxpayers can learn more about how to verify their identity and electronically sign tax returns at  Validating your electronically filed tax return at irs.gov.

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CS Brewing medals in 5th Annual Best of Craft Beer awards


245 medals awarded to breweries that entered across 44 states and 3 countries

 Cedar Springs Brewing Company is kicking off 2018 with another International beer style receiving recognition. Eire (“Air”), a traditional Irish dry stout created as a seasonal, was awarded a bronze medal in the Irish-Style Dry Stout or Export Stout category. It has earned a year-round following and has become one of the more popular beers in the Bier Hall.

In the state of Michigan only 3 breweries came away with medals: Cedar Springs Brewing, North Pier Brewing and Roak Brewing.

During the weekend of January 26-28, professional brewers and judges descended upon the picturesque beer/ski town of Bend, Oregon to judge over 2,000 entries into the 2018 Best of Craft Beer Awards competition. Breweries of all sizes, from nearly every state in the union, as well as Colombia, Canada, and Belgium, sent over 10,000 containers of their finest product for evaluation based on a combined 156 specific beer styles.
Judging took place in five sessions over a 3-day period by nearly 80 of the finest West Coast judges. They awarded 245 gold, silver, and bronze medals to 152 brewery locations in a total of 86 categories.

The Best of Craft Beer Awards just completed its 5th year of competition seeing a successive growth rate in participating breweries year over year. In that short amount of time, the competition has grown to be the third largest professional brewing competition in the country.

Cedar Springs Brewing Company is located at 95 N. Main, in the heart of downtown Cedar Springs, (and only 18 minutes away from Grand Rapids). It focuses on crafting German-inspired beers and offers a full-service restaurant and Brauhaus. Founded in 2015, Cedar Springs Brewing Company strives to create an atmosphere of family-friendly, casual comfort, a place where friends can get together to enjoy a good meal, a good drink, and good company. 
Schmeckt gut!

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A New Shingle


Dr. Andy Setaputri (left) is taking over the practice of Dr. Danette Martin (right) at Cedar Springs Dental. Courtesy photo.

Cedar Springs Dental welcomes new dentist

By Tom Noreen and Judy Reed

After 23 years of service to the Cedar Springs area, Dr. Danette Martin decided it was time to retire. In a letter to her clients she wrote, “I have reached the retirement phase of my life and will be leaving the practice of dentistry. I am excited about spending more time with my family, however, I am saddened because I won’t be able to continue being your dentist and seeing you on a regular basis. I want to thank you for the loyal support you have given me through the years. It has been my honor and a pleasure-to be your dentist and friend.”

Danette went to the Grand Rapids Education Center to become a dental hygienist after graduating from Cedar Springs High School in 1971, She worked for a number of dentists, including Dr. Robert Lorenz in Rockford. After about eight years, she decided to go to dental school. Dr. Lorenz encouraged her and she began night classes at Grand Rapids Junior College. Upon completing her undergrad requirements she applied and was accepted at the University of Michigan School of Dentistry.

After graduation she went to England for a month to learn about socialized dentistry as practiced there. She said, “I would not want that for our country.”

Upon returning to the US, she worked at the Sparta Migrant Center until the end of the season.

She next worked as an associate with a group of dentists in Big Rapids. In 1996, she was approached by Dr. Mike Palazek in Cedar Springs to join his practice. She accepted, and the next year he offered to sell it. So, from 1997 to January 2018, Danette served the community.

On retirement, she said, “I’ve worked since I was 15 beginning at the A&W Drive-In. I need to reorganize my life and see where the path leads next. I would like to travel.”

Danette married Bob Martin (Class of 71) in 1973 and they live near Howard City.

Dr. Martin also shared, “One of my chief concerns in planning my retirement has been your future dental care. I wanted an individual dentist committed to maintaining a family practice. Someone experienced and quality oriented who puts patient care first and foremost. Dr. Andy Setaputri more than meets those requirements. He is an excellent dentist who is also warm and personable. I selected Dr. Setaputri to begin assuming the clinical responsibilities of my practice on January 12, 2018.”

Dr. Setaputri shared with his new clients, “It is with honor and excitement that I write this letter. I would like to thank Dr. Martin for her confidence and trust in allowing me to continue her tradition of excellent patient care. I am fully committed to ensuring that you will receive the highest quality, ethical, and compassionate care that you have known with Dr. Martin.”

Dr. Setaputri shares Dr. Martin’s commitment to quality care and is looking forward to serving his new clientele. He provides comprehensive and advanced procedures such as extractions, root canals, implants, invisalign, crown and bridge, veneers, and composite restorations for both adults and children.

“At Cedar Springs Dental, we strive to provide the best care in a welcoming and comfortable environment. Our team values long-lasting patient relationships. Our focus is on providing world class customer service and delivering an ultimate patient experience,” he said. 

Dr. Setaputri has practiced dentistry in the Grand Rapids and Lakeview areas and is excited to join the Cedar Springs Family!

Cedar Springs Dental is located at 20 E. Church St. Hours are Monday through Thursday, 8 a.m. to 5 p.m. Call 696-9420 for an appointment or more information.

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Scam Alert: Watch out for erroneous refunds 


Beware of fake calls to return money to a collection agency  

WASHINGTON – The Internal Revenue Service is warning taxpayers of a quickly growing scam involving erroneous tax refunds being deposited into their bank accounts. The IRS also offered a step-by-step explanation for how to return the funds and avoid being scammed.

Following up on a Security Summit alert issued Feb. 2, the IRS issued this additional warning about the new scheme after discovering more tax practitioners’ computer files have been breached. In addition, the number of potential taxpayer victims jumped from a few hundred to several thousand in just days. The IRS Criminal Investigation division continues its investigation into the scope and breadth of this scheme.

These criminals have a new twist on an old scam. After stealing client data from tax professionals and filing fraudulent tax returns, these criminals use the taxpayers’ real bank accounts for the deposit.

Thieves are then using various tactics to reclaim the refund from the taxpayers, and their versions of the scam may continue to evolve.

Different Versions of the Scam

In one version of the scam, criminals posing as debt collection agency officials acting on behalf of the IRS contacted the taxpayers to say a refund was deposited in error, and they asked the taxpayers to forward the money to their collection agency.

In another version, the taxpayer who received the erroneous refund gets an automated call with a recorded voice saying he is from the IRS and threatens the taxpayer with criminal fraud charges, an arrest warrant and a “blacklisting” of their Social Security Number. The recorded voice gives the taxpayer a case number and a telephone number to call to return the refund.

As it did last week, the IRS repeated its call for tax professionals to step up security of sensitive client tax and financial files files.

The IRS urged taxpayers to follow established procedures for returning an erroneous refund to the agency. The IRS also encouraged taxpayers to discuss the issue with their financial institutions because there may be a need to close bank accounts. Taxpayers receiving erroneous refunds also should contact their tax preparers immediately.

Because this is a peak season for filing tax returns, taxpayers who file electronically may find that their tax return will reject because a return bearing their Social Security number is already on file. If that’s the case, taxpayers should follow the steps outlined in the Taxpayer Guide to Identity Theft. Taxpayers unable to file electronically should mail a paper tax return along with Form 14039, Identity Theft Affidavit, stating they were victims of a tax preparer data breach.

Here are the official ways to return an erroneous refund to the IRS.

Taxpayers who receive the refunds should follow the steps outlined by Tax Topic Number 161 – Returning an Erroneous Refund. The tax topic contains full details, including mailing addresses should there be a need to return paper checks. By law, interest may accrue on erroneous refunds.

If the erroneous refund was a direct deposit:

Contact the Automated Clearing House (ACH) department of the bank/financial institution where the direct deposit was received and have them return the refund to the IRS.

Call the IRS toll-free at 800-829-1040 (individual) or 800-829-4933 (business) to explain why the direct deposit is being returned.

If the erroneous refund was a paper check and hasn’t been cashed:

Write “Void” in the endorsement section on the back of the check.

Submit the check immediately to the appropriate IRS location listed below. The location is based on the city (possibly abbreviated) on the bottom text line in front of the words TAX REFUND on your refund check.

Don’t staple, bend, or paper clip the check.

Include a note stating, “Return of erroneous refund check because (and give a brief explanation of the reason for returning the refund check).”

The erroneous refund was a paper check and you have cashed it:

Submit a personal check, money order, etc., immediately to the appropriate IRS location listed below.

If you no longer have access to a copy of the check, call the IRS toll-free at 800-829-1040 (individual) or 800-829-4933 (business) (see telephone and local assistance for hours of operation) and explain to the IRS assistor that you need information to repay a cashed refund check.

Write on the check/money order: Payment of Erroneous Refund, the tax period for which the refund was issued, and your taxpayer identification number (social security number, employer identification number, or individual taxpayer identification number).

Include a brief explanation of the reason for returning the refund.

Repaying an erroneous refund in this manner may result in interest due the IRS.

IRS mailing addresses for returning paper checks

For your paper refund check, here are the IRS mailing addresses to use based on the city (possibly abbreviated). These cities are located on the check’s bottom text line in front of the words TAX REFUND:  

ANDOVER – Internal Revenue Service, 310 Lowell Street, Andover MA 01810

ATLANTA – Internal Revenue Service, 4800 Buford Highway, Chamblee GA 30341

AUSTIN – Internal Revenue Service, 3651 South Interregional Highway 35, Austin TX 78741

BRKHAVN – Internal Revenue Service, 5000 Corporate Ct., Holtsville NY 11742

CNCNATI – Internal Revenue Service, 201 West Rivercenter Blvd., Covington KY 41011

FRESNO – Internal Revenue Service, 5045 East Butler Avenue, Fresno CA 93727

KANS CY – Internal Revenue Service, 333 W. Pershing Road, Kansas City MO 64108-4302

MEMPHIS – Internal Revenue Service, 5333 Getwell Road, Memphis TN 38118

OGDEN – Internal Revenue Service, 1973 Rulon White Blvd., Ogden UT 84201

PHILA – Internal Revenue Service, 2970 Market St., Philadelphia PA 19104

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Five things to remember about exemptions and dependents 


Most taxpayers can claim one personal exemption for themselves and, if married, one for their spouse. This helps reduce their taxable income on their 2017 tax return. They may also be able to claim an exemption for each of their dependents. Each exemption normally allows them to deduct $4,050 on their 2017 tax return. While each is worth the same amount, different rules apply to each type.

Here are five key points for taxpayers to keep in mind on exemptions and dependents when filing their 2017 tax return:

1. Claiming Personal Exemptions. On a joint return, taxpayers can claim one exemption for themselves and one for their spouse. If a married taxpayer files a separate return, they can only claim an exemption for their spouse if their spouse meets all of these requirements. The spouse:

  • Had no gross income.
  • Is not filing a tax return.
  • Was not the dependent of another taxpayer.

2. Claiming Exemptions for Dependents.  A dependent is either a child or a relative who meets a set of tests. Taxpayers can normally claim an exemption for their dependents. Taxpayers should remember to list a Social Security number for each dependent on their tax return.

3. Dependents Cannot Claim Exemption. If a taxpayer claims an exemption for their dependent, the dependent cannot claim a personal exemption on their own tax return. This is true even if the taxpayer does not claim the dependent’s exemption on their tax return.

4. Dependents May Have to File a Tax Return. This depends on certain factors like total income, whether they are married, and if they owe certain taxes.

5. Exemption Phase-Out.  Taxpayers earning above certain amounts will lose part or all the $4,050 exemption. These amounts differ based on the taxpayer’s filing status.

The IRS urges taxpayers to file electronically. The software will walk taxpayers through the steps of completing their return, making sure all the necessary information is included about dependents. E-file options include free Volunteer Assistance, IRS Free File, commercial software and professional assistance.

Taxpayers can get questions about claiming dependents answered by using the Interactive Tax Assistant tool on IRS.gov. The ITA called Whom May I Claim as a Dependent will help taxpayers determine if they can claim someone on their return.

More Information:

Publication 17, Your Federal Income Tax 

Publication 501, Exemptions, Standard Deduction and Filing Information.

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Many people in rural areas can benefit from EITC


From IRS.gov

The IRS wants taxpayers living in rural communities to be aware of the earned income tax credit and correctly claim it if they qualify. Many qualified individuals and families who live in rural areas don’t claim the EITC. There are many reasons for this. They may:

• Think they are ineligible.

• Not know about the credit.

• Not think they made enough money to qualify.

• Worry about paying for tax preparation services.

The average household income in many small towns and rural areas is below the national average. Because of this, many of these taxpayers may qualify for EITC. Here are some things that people living in these areas should remember about the credit and how it can benefit them:

• Because it’s a refundable tax credit, those who qualify and claim the credit could pay less federal tax, pay no tax or even get a tax refund.

• An eligible taxpayer must have earned income from employment or owning a business or farm and meet basic rules.

• To get the credit, taxpayers must file a tax return, even if they don’t owe any tax or aren’t required to file.

• Single workers without a qualifying child who earn less than $15,010 may qualify for a smaller amount of the credit.

• There are special rules for individuals receiving disability benefits and for members of the military.

• The IRS recommends using the EITC Assistant on IRS.gov to determine eligibility and estimate the amount of credit.

Qualified taxpayers should consider claiming the EITC by filing electronically, which they can do:

• Through a qualified tax professional.

• Using free community tax help sites.

• Themselves, with IRS Free File.

By law, the IRS cannot issue refunds before mid-February for tax returns that claim the EITC or the additional child tax credit. The law requires the IRS to hold the entire refund — even the portion not associated with the EITC or ACTC.  The IRS expects the earliest EITC/ACTC related refunds to be available in taxpayer bank accounts or on debit cards starting Feb. 27, 2018, if these taxpayers choose direct deposit and there are no other issues with their tax return.

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Beware IRS impersonation scams 

As tax season begins, the Montcalm County Sheriff’s Office is receiving numerous reports of telephone calls from thieves who pretend to be from the IRS. Although these scams take many different forms, the most common scams are phone calls and emails from thieves who use the IRS name, logo or a fake website to try to steal your money. They may try to steal your identity too. 

Be wary if you get an out-of-the-blue phone call or automated message from someone who claims to be from the IRS. Sometimes they say you owe money and must pay right away. Other times they say you are owed a refund and ask for your bank account information over the phone. Don’t fall for it. Here are several tips that will help you avoid becoming a scam victim. 

The real IRS will NOT: 

  • Call you to demand immediate payment. The IRS will not call you if you owe taxes without first sending you a bill in the mail. 
  • Demand tax payment and not allow you to question or appeal the amount you owe. 
  • Require that you pay your taxes a certain way. For example, demand that you pay with a prepaid debit card. 
  • Ask for your credit or debit card numbers over the phone. 
  • Threaten to bring in local police or other agencies to arrest you without paying. 
  • Threaten you with a lawsuit. 

If you don’t owe taxes or have no reason to think that you do: 

  • Contact the Treasury Inspector General for Tax Administration. Use TIGTA’s “IRS Impersonation Scam Reporting” web page to report the incident. 
  • You should also report it to the Federal Trade Commission. Use the “FTC Complaint Assistant” on FTC.gov. Please add “IRS Telephone Scam” to the comments of your report. 

If you think you may owe taxes: 

  • Ask for a call back number and an employee badge number. 
  • Call the IRS at 800-829-1040. IRS employees can help you. 

Email Scams: 

In most cases, an IRS phishing scam is an unsolicited, bogus email that claims to come from the IRS. These scams often use fake refunds, phony tax bills, or threats of an audit. Many scammers even use what appears to be an official IRS logo at the top of their email. Some emails link to sham websites that look real. Don’t be fooled! The scammer’s goal is to lure victims to give up their personal and financial information. If they get what they’re after, they use it to steal a victim’s money and their identity. 

If you get a phishing email, the IRS offers this advice: 

  • Don’t reply to the message. 
  • Don’t give out your personal or financial information. 
  • Forward the email to phishing@irs.gov. Then delete it. 

Don’t open any attachments or click on any links. They may have malicious code that will infect your computer. 

Posted in News, Tax TimeComments (0)

Five reasons to pursue a cybersecurity career in 2018 

Cybersecurity is a growing—and well-paid—field for those with proper training.

(NAPS)—Cybersecurity, as an industry, is one of the highest-paying, fastest-growing and most in demand in the U.S., yet there are not enough skilled professionals in the pipeline to fill open positions, leading to a sizable skills gap. The Bureau of Labor Statistics (BLS) finds that the demand for information security analysts who can prevent data breaches is expected to be very high over the next decade. From 2016–2026, BLS projects employment to grow 28 percent, with 28,400 additional jobs added by 2026. 

Despite the growing need, a University of Phoenix College of Information Systems and Technology survey found that only 18 percent of the 2,016 U.S. adults surveyed were interested in pursuing a cybersecurity education or profession. Cybersecurity can be a rewarding career, especially for those who want to help organizations or be part of a dynamic industry. 

Maurice Gibson, assistant dean at University of Phoenix, shares five reasons to pursue a cybersecurity career in 2018.

Cybersecurity Careers Are Here to Stay

With the rise of technology comes increases in cybercrime, according to data from Cybersecurity Ventures2. Gibson believes technology has converged with nearly all industries, meaning more companies will need trained professionals to combat hackers in the future. In fact, LinkedIn listed network information security as the sixth most in-demand skill for today’s digitally advanced working world3. Cybersecurity spending is expected to exceed $1 trillion between 2017 and 2021, finds Cybersecurity Ventures, driving the need for more qualified professionals.

Job Opportunities Across Nearly All Industries

As technology converges with business, Gibson says nearly all companies will soon become tech companies, providing cybersecurity professionals with myriad job opportunities across numerous industries. Cybersecurity jobs are no longer shoehorned into only the government, finance or technology industries. From retail and health care to media and start-ups, cybersecurity professionals may have the option to choose an industry they most want to work in.

Competition for Jobs Remains Low

With more open jobs than people to fill them, competition continues to remain low in the cybersecurity workforce. The BLS projects employment of information security analysts to grow 28 percent from 2016 to 2026, much faster than the average for all occupations. Gibson says individuals seeking a growing career with plenty of job opportunities should look no further than cybersecurity. 

Near Top in Compensation

For many Americans, a good salary is vital for job satisfaction. Glassdoor found that nearly 70 percent of people say that compensation is among their top considerations when pursuing a job. High salaries is another reason to pursue these careers, according to Gibson. BLS reports the median annual wage of an information security analyst is $92,600. Salaries can even exceed six figures in top markets as companies compete for skilled professionals. 

Skill Set Is Transferable to a Number of Industries

With a deficit of skilled cybersecurity professionals in today’s workforce, IT employees may be expected to help manage system security and infrastructure. For this reason, Gibson suggests that having cybersecurity experience can help when changing careers. He says many of the IT skill sets that cybersecurity professionals possess—such as coding, systems administration and data analytics—can be useful résumé additions for just about any job in the tech industry. 

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Make time for marketing

If you operate a home-based business, there are more demands on your time than time to go around. But there’s one business activity you can’t afford to defer if you want to stay in business: marketing.

For any small business, marketing has many facets, and it’s a more complex proposition than just selling what you’re already offering customers. Marketing is the set of activities that attracts customers to your product. In a home-based business, that’s not going to be signs in front of your house and a parade of customers coming through your doors every day. The challenge is to adapt sound marketing techniques to your business’s unique circumstances and offerings. And that takes time.

Here are six tips for making time for marketing:

1.   Convince yourself that marketing is worth the time. When you don’t think a task will contribute to your bottom line, it’s easy to go on to the next item on your to-do list. If marketing is outside your so-called comfort zone, examine why you feel that way.

2.   Have a marketing plan. Invariably, a good plan is at the heart of personal productivity. Examine your business goals and determine how marketing can help fulfill them. As a new business owner, you may need a crash course in marketing. If so, that becomes part of your plan.

3.   Be open to new ideas. How are competing businesses getting noticed by customers? If they’re using techniques or media you never considered, take time to study and learn about new approaches. Experiment with marketing ideas that are low cost and low risk.

4.   Dedicate the time. By reserving the time, you’re less likely to procrastinate. Once you’re committed to marketing, block out time for it just as you would any other important task. Whether the task is market research or cold calling, know what you want to accomplish-in that period of time, and anticipate the distractions that are most likely to interfere.

5.   Stay connected. Take time to be at meetings and other gatherings of your professional and community groups. Yes, this presence takes time away from other business  activities, but it keeps you in front of prospective customers and creates opportunities for you to sell yourself as well as your business. A home-based business is especially likely to benefit from this exposure.

6.   Celebrate your marketing successes. Pay attention to when your marketing pays off. You’ll discover that as effective marketing leads to better exposure and more sales, it becomes easier to justify the time you spend to promote your services.

“Work smarter, not harder” is an expression that applies to marketing as well as other facets of entrepreneurship. Make time for marketing, use that time wisely, and you’ll hone your competitive edge. 

For more insights on making a home-based business succeed, contact SCORE “Counselors to America’s Small Business.” For the SCORE chapter nearest you, call 1-800-634-0245, or find a counselor online at www.score.org.

All SCORE counseling is offered as a free and confidential community service. There are 389 SCORE chapters around the country assisting entrepreneurs. While counseling is always free-of-charge, local SCORE chapters also offer small business workshops and seminars for modest fees.

To learn more about SCORE and its counseling services, call 1-616-771-0305, or email your questions to the Grand Rapids Chapter of SCORE  at www.scoregr.org.

These articles are provided by:

Free and Confidential Counseling

SCORE, 111 Pearl Street NW

Grand Rapids, MI 49503

(616) 771-0305   www.scoregrandrapids.org

E-mail:  score@grandrapids.org

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Lions Club raises funds for special library equipment

The Cedar Springs Lion Club presented a check to Cedar Springs Library Director Donna Clark earlier this month after a two-year fundraising project to help those with hearing and sight problems use library services. Courtesy photo.

Those with hearing and sight issues will soon have an easier time using equipment at the Cedar Springs Library, thanks to the Cedar Springs Lions Club. Lions Club treasurer Sue Norton presented a check for $7,078.00 to Library Director Donna Clark, at the annual Lions Club Christmas Party December 5. The money will be used to help purchase equipment for those who are sight and hearing impaired. 

The CS Lions held several activities to collect funds for this project including a Euchre Party and a Painting Party with local artist Andrea Lucas. They hosted several Poker rooms in Grand Rapids, and a Cedar Springs Brewery community share evening. The club has also been holding a Million Penny Mission for the past 2 years. You may have noticed the yellow jugs at several businesses around town.

With two years of activities, the Club was able to present the check at the annual Christmas party.

Items to be purchased include ZoomText with speech, Freedom Scientific Topaz EZ 24” Video Magnifier with HD Camera, EyePal Solo OCR Reader, Freedom Scientific Ruby 7 Portable Video Magnifier, Hand Held PowerMag Set 3.5x – 10.75, large print keyboard, and large screen monitor. This equipment will make Cedar Springs Library one of few libraries that can offer this service equipment to the public. 

Look for the collection jugs and join the Cedar Springs Lions Club for more activities in the Cedar Springs area. Follow their activities and pictures from the events on the Cedar Springs Lions Club Facebook page. 

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