West Michigan Therapy Dogs, Inc. (WMTD), a nonprofit organization providing pet-assisted therapy throughout West Michigan, is launching its “Unleash the Love” fundraising campaign on Giving Tuesday, Dec. 2. WMTD hopes to raise $5,000 by Jan. 1, 2026.
The campaign aims to support the organization’s rapidly expanding programming and the growing need for trained therapy dog teams across the region.
Bringing comfort and joy
For nearly 25 years, WMTD has brought comfort, connection and healing to individuals facing emotional, physical and psychological challenges. With more than 200 volunteer teams serving over 100 programs and facilities across five counties, WMTD teams visit hospitals, schools, assisted living centers, libraries and community organizations, providing companionship, support and moments of joy for those who need it most.
As demand for pet therapy continues to rise, WMTD is seeking community support to strengthen operational capacity and ensure programs remain accessible and effective.
Therapy dogs bring comfort, connection and healing to individuals facing emotional, physical and psychological challenges (Courtesy, Cindy Bateson/WMTD)
“Each visit our teams make creates an impact that can’t be measured in dollars alone,” said Heather McCormick, Board President of West Michigan Therapy Dogs, Inc. “But the resources required to train, equip and support our growing program are real.
“This campaign helps ensure we can continue bringing love, hope and connection to individuals throughout West Michigan.”
How funds will be used
Funds raised through Unleash the Love will support critical needs, including:
Securing dedicated storage space for wheelchairs, walkers, crutches, AV equipment, and classroom materials used during training and certification.
Offsetting training facility fees to provide volunteers with a consistent, safe space to learn and practice.
Covering essential operational costs that keep WMTD running smoothly as the organization grows.
Purchasing training and certification supplies, including therapy dog vests, badges, evaluation materials, and program resources.
The campaign runs Dec. 2 – Jan. 1, and community members are invited to support WMTD by donating online or by mail.
“With continued support from our community, we can train more teams, reach more people and continue the work that has defined WMTD for nearly 25 years,” said McCormick. “Together, we can truly ‘unleash the love’ this season and beyond.”
How to Donate
Donations can be made online at www.wmtd.org/donate or by mail at West Michigan Therapy Dogs, Inc., P.O. Box 2533, Grand Rapids MI 49501-2533.
More information about WMTD can be found on their website and social media sites (Facebook, Instagram).
The new Corporate Partner Scholarship Program can ease the financial burden of higher education for new students and create opportunities for career growth and advancement for others (Courtesy, pxhere.com)
This program offers a 20% tuition discount to all members and their dependents who are new students pursuing an associate, bachelor or graduate degree. Additionally, chamber members receive a 20% discount on all publicly available professional development workshops, certificate programs and other non-credit training opportunities. All recipients must meet Davenport’s academic admission standards.
Creating career growth opportunities
Discounts can be used toward Davenport’s 80+ certificate and degree programs (Courtesy, Davenport U)
“Davenport’s Corporate Partner Scholarship Program can ease the financial burden of higher education for new students and help create opportunities for career growth and advancement for others within an organization,” said Carlos Sanchez, Executive Director of Casa Latina at Davenport University.
“We’re hopeful all members of the Hispanic Chamber will look into our offerings, including Casa Latina, our new bilingual degree program, and explore higher education options for themselves and their family members.”
Discounts can be used toward earning any of Davenport’s 80+ certificate and degree programs in business, technology, health or urban education.
“At the Michigan Hispanic Chamber of Commerce, we recognize and support the value of higher education,” said Mark Moreno, Michigan Hispanic Chamber Executive Director. “Our members are a key asset to our organization, and we’re proud to partner with Davenport University to offer this new Corporate Partner Scholarship.”
A report by a Grand Valley State University (GVSU) researcher shows West Michigan’s economy has remained flat but stable through October as federal tariffs continue to challenge businesses.
Brian Long, Director of Supply Management Research at GVSU’s Seidman College of Business, said businesses and purchasing managers continue adjusting to the ongoing effects of established tariffs.
“For the higher tariff costs, some firms have been able to get the seller to absorb all or most of the increase, and others have been able to pass the higher cost along,” Long said.
“But some firms are stuck between a rock and a hard place. They can’t get the seller to absorb the increase, and they can’t pass the higher cost on to the buyer.”
Remaining resilient
Despite the added costs, one of West Michigan’s biggest cyclical industries — auto parts manufacturing — has remained resilient, said Long.
“So far, auto sales are holding up, so our local auto parts suppliers are still doing reasonably well, although some were overpromised business for the EV models, and their production has slowed,” Long continued. “But our overall production index for West Michigan is still currently positive.”
Michigan’s auto parts manufacturing has remained resilient (Courtesy, pxhere.com)
Unemployment concerns
Long said Michigan’s unemployment rate remains an area of concern. The state’s jobless rate held at approximately 5.2% in the latest data, ranking 48th in the nation. Only California and Nevada reported higher rates.
“Unemployment for West Michigan, and especially Michigan as a whole, has crept up on us,” said Long. “Over the past decade, West Michigan in particular was adding jobs like crazy. That has now stopped.”
Key index results
Below is a look at key index results from October’s survey of West Michigan purchasing managers:
New orders index (business improvement): -4 vs. -3 in September
Production index (output): +4 vs. +4 in September
Employment index: +2 vs. -8 in September
Lead times index: -4 vs. +13 in September
More information about the survey and an archive of past surveys are available on the Seidman College of Business website.
General Motors (GM) Grand Rapids Operations presented the latest installment of its Community Impact Grants (CIG) to three area nonprofits. Totaling $75,000, the 2025 grants target local nonprofits aimed at supporting STEAM education and road safety throughout the community.
Through the CIG program, GM facility leaders select local nonprofits working to address issues facing their community. GM has awarded more than $500,000 in support to Grand Rapids-area groups since 2019.
“It is an honor to support these outstanding local nonprofit organizations whose daily efforts truly strengthen our community,” said Juan Carlos Aldana, Grand Rapids Plant Director. “We are excited to see the positive impact these initiatives will have as they empower youth to pursue STEAM careers and promote greater road safety.”
Grant recipients
The recipients of the 2025 Grand Rapids-area grants include:
West Michigan Environmental Action Council to support STEM programming.
Greater Wyoming Community Resource Alliance to support road safety.
Junior Achievement to bring STEAM education into entrepreneurial programs.
Investing in the future
GM Grand Rapids Operations employs more than 750 people and produces precision machined automotive components and axles for full-size trucks. As an organization, GM is committed to investing in the future of American manufacturing in the workforce and in communities.
General Motors leverages advanced technology to build safer, smarter and lower emission cars, trucks and SUVs. GM’s Buick, Cadillac, Chevrolet, and GMC brands offer a broad portfolio of innovative gasoline-powered vehicles and the industry’s widest range of EVs, as the world moves to an all-electric future.
The CEF grant will support home delivery of nutritionally balanced, protein-rich, shelf-stable food boxes to households with seniors, people with disabilities and children (Courtesy photo)
This grant will help provide consistent access to essential nutrition
The Consumers Energy Foundation (CEF) has announced a grant of $250,000 to the Food Bank Council of Michigan to support home delivery of nutritionally balanced, protein-rich, shelf-stable food boxes to households with seniors, people with disabilities and children.
This initiative comes in response to economic pressures and the recent disruption in Supplemental Nutrition Assistance Program (SNAP) benefits caused by the federal government shutdown, which has left more than 1.6 million Michigan residents without consistent access to essential nutrition.
“We believe no one in Michigan should go hungry,” said Brandon Hofmeister, President of the Consumers Energy Foundation.
“This grant reflects our commitment to care for our communities and ensuring everyone has access to the nutrition they need to stay healthy and safe.”
A collaborative effort
The Food Bank Council of Michigan will use the grant to launch a home delivery program for seven-day food boxes. The program will operate through a hub-and-spoke model, with a central food bank coordinating logistics and deliveries to local partners and directly to homes across the state.
“This support from the Consumers Energy Foundation is a lifeline for thousands of Michigan families,” said Dr. Phil Knight, Executive Director of the Food Bank Council of Michigan. “By bringing food directly to the doorsteps of those who can’t reach distribution sites, we’re ensuring that no one is left behind.”
The execution of the CEF grant will be the result of a collaborative effort (Courtesy, pxhere.com)
The Consumers Energy Foundation is working collaboratively with government partners and a wide network of corporate, philanthropic and nonprofit organizations to address the urgent needs facing Michigan families. Among these partners, United Way continues to be a critical resource, helping families stay afloat with wraparound services such as rent assistance, utility support and other essential needs.
Consumers Energy employees will have the opportunity to extend additional care to families in need through volunteer efforts and financial contributions with matching gift funds from the company.
This coordinated effort ensures that resources are deployed where they are needed most and demonstrate a shared commitment to ensuring all Michiganders have the support they need during this time of uncertainty.
Investing in what is important
The Consumers Energy Foundation is the charitable arm of Consumers Energy, Michigan’s largest energy provider.
The Foundation contributes to the growth and strengthening of Michigan communities by investing in what is most important — people, the planet and Michigan’s prosperity.
The approved bond will provide support for WPS day-to-day district operations and complete projects identified in their long-range Facility Master Plan (Photo by Jeff Miller/UW-Madison)
On Tuesday, Nov. 4, voters approved the Wyoming Public Schools (WPS) $29.75M bond proposal and 10-year sinking fund millage renewal.
According to unofficial elections results posted by Kent County, the bond passed with 2,433 votes (60.52%) to 1,587 votes (39.48%). The sinking fund millage renewal passed with 2,461 votes (61.26%) to 1,556 votes (38.74%).
The approved bond will provide support for WPS day-to-day district operations and complete projects identified in their long-range Facility Master Plan. Projects include new learning spaces for students, air conditioning and secure entrances in remaining buildings, elementary media center updates, and a gym addition at Gladiola Elementary School.
The approved WPS Sinking Fund will replace their expiring Sinking Fund and will focus on repairs, safety, technology replacements, and buses.
More information about the bond proposal and sinking fund millage renewal can be found in the WPS bond proposal informational video and on the WPS website.
Wyoming Public Schools is asking residents to approve a new bond totaling $29.75 million that will provide support for day-to-day district operations and complete projects identified in their long-range facilities plan (Video provided by Wyoming Public Schools)
Wyoming Public Schools (WPS) is asking residents to approve a new bond totaling $29.75 million that will provide support for day-to-day district operations and complete projects identified in their long-range facilities plan.
In communications sent to all WPS families, Superintendent Craig Hoekstra encourages community members to be aware of three proposals on the Nov. 4, 2025 election ballot and what each proposal will fund.
(Courtesy, Wyoming Public Schools)
“This bond, if approved, will allow us to complete our Facility Master Plan that we built many years ago,” said Hoekstra in a video introducing the bond proposal.
“We put a great plan together to completely update our school district. Our buildings were built between the 1940s and the 1960s, so completing our Master Facilities Plan will allow us to execute our vision that best supports our kids today, but also well into the future.”
Bond proposal facts
Supplied by Wyoming Public Schools
The Kent ISD Regional Enhancement Millage would be restored and renewed to a total of 0.9 mills for educational and operational programming.
The WPS Sinking Fund replaces our expiring Sinking Fund and would result in a no net tax rate increase and focuses on repairs, safety, technology replacements, and buses.
The WPS Bond Proposal totals $29.75 million to complete projects identified in our Master Facilities Plan, including new learning spaces for students, air conditioning and secure entrances in remaining buildings, elementary media center updates, and a gym addition at Gladiola. If the Bond Proposal is approved, the overall net debt millage rate is expected to decrease by 0.15 mills.
WPS Bond Proposal (Courtesy, Wyoming Public Schools)WPS Sinking Fund Proposal (Courtesy, Wyoming Public Schools)
A tax decrease
Hoekstra went on to say that WPS asked for help from the community three different times – in 2017, 2022 and now 2025 – to avoid the inevitable tax increase of a one-time large bond request.
“We were being very mindful and fiscally responsible with our community with no increase (2017), no increase (2022), and this one is a tax decrease (2025),” said Hoekstra.
This third and final bond request on Nov. 4 will allow WPS to continue work begun with the previous two proposals without any gaps in advancement and completion of the Master Facilities Plan.
“These proposals aren’t just about buildings, they are about creating spaces where students feel safe, supported and ready to succeed,” a WPS student said in the bond proposal video.
“I’m excited because we get to go out to our community, be good stewards of their resources, and just supporting our kids at a very high level moving forward,” said Hoekstra. “What excites me the most is we’re doing this for our kids.”
Learn more
More information on the bond proposals can be found at wyomingps.org.
The West Michigan economy showed signs of leveling off in September, according to a monthly survey conducted by a GVSU researcher (Courtesy, pxhere.com)
The West Michigan economy showed signs of leveling off in September, according to a monthly survey conducted by a Grand Valley State University researcher.
Tariffs implemented by President Donald Trump’s administration have created challenges for businesses to plan accordingly, said Brian Long, director of supply management research at GVSU’s Seidman College of Business.
“Although there is still no sign that a recession is pending, plans for new hires, new equipment and other new programs have generally been put on hold, pending clarification of future business costs and supply chain issues,” Long said in his report.
Uncertainty for the new year
The economy for the remainder of 2025 and the beginning of the new year is uncertain (Courtesy, pxhere.com)
Long’s new orders index, a measurement of business improvement, rebounded sharply in September, but remained in negative territory while the purchases index, a measurement of firms’ buying activity, dropped significantly.
“(The purchases index) is a clue to the uncertainty generated by the ongoing tariff wars,” Long said in his report.
However, Long’s production index, which tracks output, rose into positive territory.
“Needless to say, the economy for the rest of 2025 will be held captive by tariff talks and to a lesser degree, the potential outcome of the Gaza and Ukrainian wars,” Long said in his report.
“Unfortunately, it is possible that none of these issues will be fully and permanently resolved as we ring in 2026.”
Key index results
Here’s a look at the key index results from September’s survey of West Michigan purchasing managers:
New orders index (business improvement): -3 vs. -16 in August
The Ford Presidential Foundation has officially launched the FORD50 Campaign, a $12 million national fundraising initiative. This initiative honors the 50th anniversary of President Gerald R. Ford’s time in the Oval Office (1974-1977) by expanding its civic education programs across Michigan and the nation.
The campaign announcement at the Gerald R. Ford Presidential Museum featured Foundation trustees Mike and Steven Ford, sons of President and Mrs. Ford; Douglas DeVos, co-chair of Amway Corporation and co-chair of the FORD50 campaign; Marc Halsema, founder of Jaclise International and co-chair of the FORD50 campaign; and Gleaves Whitney, executive director of the Ford Presidential Foundation.
The campaign has secured $10 million in charitable commitments and now seeks public participation in raising the final $2 million to fund the educational programming expansion.
Trustee Steve Ford, son of Gerald and Betty Ford, addresses the crowd at the FORD50 Campaign announcement on Aug. 25 (Courtesy, Ford Foundation)
A living reminder
The FORD50 Campaign is a bold commitment to engage and inspire three key audiences — school-aged youth, college-aged and young adults, and lifelong learners — through programming that champions the values President and Mrs. Ford embodied: cooperation, bipartisanship, civil discourse, patriotism, decency, and integrity.
“In a time of deep national division, the legacy of President and Mrs. Ford offers a much-needed example of character-driven leadership,” said Whitney. “With the support of the FORD50 Campaign, we can bring their ideals to new generations and build a future rooted in civic responsibility and mutual respect.”
The campaign envisions a renewed commitment to the Ford’s role as a civic gateway — a place that inspires learning, dialogue, and participation. This effort reflects President Ford’s belief that public service and integrity are essential to a healthy democracy.
“The Ford is more than a museum,” said Steven Ford. “It’s a living reminder of how courage, humility, and conviction can guide a nation. My parents believed in America and its people, and with this campaign, we honor that faith by investing in our future.”
Local scout Calvin Davis speaks with the media about the impact that the programming at the DeVos Learning Center has had on him and his quest to become an Eagle Scout exactly 100 years after Gerald Ford attained this prestigious scouting rank (Courtesy, Ford Foundation / Aug. 25, 2025)
The FORD50 campaign’s 5-year plan (2026-2030) will include programs such as:
Building the Next Generation of Civic Leaders
Expanding in-person K–12 engagement by more than 200% (3,500 in the 2024-25 to 8,500 students a year) through DeVos Learning Center programs, Scouting America and Girl Scouts initiatives, and class visits to the Museum.
Launching statewide and national virtual programming aligned with Michigan social studies standards, making Ford-inspired learning accessible to high school teachers everywhere in the state.
Creating high school leadership cohorts that will prepare 1,500 students to step into roles of service and civic impact.
Doubling participation in the national Student Writing Challenge, awarding more than $7,000 in scholarships each year to inspire young voices.
Empowering Young Adults to Lead with Character
Expanding our free, virtue-based leadership program for congressional staffers in Washington, D.C., strengthening ethical decision-making in the heart of policymaking.
Launching a Lansing legislative staffers program to foster bipartisan dialogue and build principled leadership in Michigan’s capital.
Developing a high school leadership program in West Michigan to heighten civic knowledge and inspire students to pursue lives of public service.
Providing civic education opportunities rooted in President and Betty Ford’s character to organizations that help us reach new communities and demographics.
Growing the reach of our weekly Observer newsletter, offering thoughtful, nonpartisan essays that reinforce democratic norms, virtuous leadership and patriotic service.
Funding from the FORD50 campaign will help the Ford Foundation increase their work with college students, including those in the Ford Fellows program at the University of Michigan. (Courtesy, Ford Foundation)
Modernizing the Ford Civic Legacy for Lifelong Learners
Launching a regular, globally streamed podcast where influential voices tackle the pressing issues, big ideas, and perennial principles Ford championed.
Featuring headline-making speakers—leaders and changemakers shaping today’s civic conversations—to carry Ford’s civic message through livestreams, partner networks, and more.
Staging marquee events in cities across America with powerhouse partners like the National Constitution Center and the Carter Center.
Consumers Energy’s electric and natural gas customers who qualify for State Emergency Relief funds may now qualify for additional assistance (Courtesy, pxhere.com)
Consumers Energy’s electric and natural gas customers who qualify for State Emergency Relief (SER) funds and haven’t received the full $500 annual payment credit may now qualify for additional assistance under a new Michigan Department of Health and Human Services policy in effect immediately.
State Emergency Relief dollars help certain income-qualified customers take control of their past due energy bills up to a maximum of $500. The one-time federal funds disbursed at the state level are distributed to customers who apply and whose household income is 150% of the federal poverty level or below.
How it works
Beginning July 7, new customer applicants who haven’t received relief in Fiscal Year 2025, which ends Sept. 30, are eligible to receive the $500 per commodity cap, regardless of their past-due balance.
Previous SER recipients who haven’t reached the $500 per commodity cap can apply for the remaining amount (Courtesy, pxhere.com)
Previous SER recipients who have already received funding since Oct. 1, 2024—but haven’t reached the $500 per commodity cap—can apply for the remaining amount starting July 11 through Sept. 30. These payments may result in a credit on the customer’s account.
“We’re dedicated to equity, accessibility and affordability for Michiganders who count on us for reliable electricity and natural gas,” said Lauren Snyder, Consumers Energy’s senior vice president, chief customer and growth officer.
“Through our various energy savings programs, energy assistance offerings and partnering with the Michigan Department of Health and Human Services, we support the growing needs of our customers who experience challenges paying their bills.”
This new policy could allow customers to receive an additional $250 to meet the maximum annual allocation allowed (Courtesy, pxhere.com)
Under the former policy, a customer who owes $250 to keep their account active could apply and, if approved, get a credit paid back in that amount but would not have been eligible for additional relief in the same fiscal year. Under the new policy, however, that customer could now receive an additional $250 to meet the maximum annual allocation allowed of $500 if they have accumulated additional arrears.
Additional energy assistance
Last year, 540,000 customers received $38.4M in State Emergency Relief funding. In total, 137,000 families across 30 Michigan counties received some type of energy assistance.
In addition to State Emergency Relief funds, there is additional help available for anyone who needs assistance with their energy bills by calling 2-1-1, a free resource that connects people with nonprofit organizations. Customers can also visit ConsumersEnergy.com/Assistance.
To make it easier for customers to find the help they need based on their situation, Consumers Energy recently launched “My Personalized Offerings,” an easy-to-use tool that empowers customers to identify and enroll in custom payment assistance and energy management programs. The optional tool is free and available to all customers at ConsumersEnergy.com/Offers.
Despite months of economic uncertainty stemming from tariff policies and ongoing global trade tensions, the West Michigan economy has remained resilient, according to data collected by a GVSU researcher (Courtesy, pxhere.com)
Despite months of economic uncertainty stemming from tariff policies and ongoing global trade tensions, the West Michigan economy has remained resilient, according to data collected by a Grand Valley State University (GVSU) researcher.
Brian Long, Director of Supply Management Research at GVSU’s Seidman College of Business, said his monthly survey of local firms and purchasing managers shows the regional economy has gained unexpected strength through the summer.
Three-year highs
In fact, Long said two key metrics in his recent survey — the new orders index and production index — hit three-year highs. The survey’s new orders index measures a company’s business improvement while the production index reflects a firm’s output.
“Almost any firm with a supply chain that originates anywhere outside of the country is having trouble keeping up with the tariff wars on virtually a daily basis,” Long said.
(Courtesy, pxhere.com)
“Fortunately, most of our respondents seem to be taking it in stride partially based on the experience gained from the COVID crisis, but almost all of them are holding up major decisions on new equipment, plant expansion, new sourcing and so forth until the trade war with their segment of the supply chain is resolved.”
Long said the short- and long-term business confidence among local firms has also remained relatively stable since a sharp drop in April, when the tariffs were first announced.
“In the industrial market…one of our survey respondents says that tariff management is becoming more routine,” Long said, adding that the respondent continues to watch tariff deadlines despite that belief.
June survey key index results of West Michigan businesses:
New orders index (business improvement): +21 vs. +14 in May
Kent District Library and the KDL Board of Trustees are proud to announce the two recipients of the KDL Community Impact Scholarship. Jamie Elgrably and Ania Fleszar will each receive $5,000 to further their education.
The award recognizes high school seniors and adults returning to school who have worked hard to improve their communities and show potential to make long term impact. Both trade-bound and college-bound students were eligible to apply.
“An incredible blessing”
Scholarship winner Jamie Elgrably (Courtesy, KDL)
Elgrably, of Kentwood, is pursuing her bachelor’s degree in psychology at Cornerstone University, with hopes of continuing on to earn a master’s degree in clinical mental health counseling.
She is a wife and a mother of two, and after putting her education on hold for many years due to life circumstances—including several moves and raising young children—she finally decided to pursue her dream.
Elgrably said, “Receiving this scholarship is an incredible blessing. It lifts part of the financial burden and makes it possible for me to continue pursuing my calling with ease and peace of mind. I’m passionate about helping others feel seen, supported and valued, and I look forward to using my education to make a meaningful impact in people’s lives.”
“It means so much…”
Scholarship winner Ania Fleszar (Courtesy, KDL)
Fleszar is a student at Lowell High School and plans to put the scholarship money toward her education at Western Michigan University. She is planning to pursue either secondary education in History and English or theater, maybe both.
“It means so much that this money is helping my education, of course, but it means even more that it’s coming from my community library,” Fleszar said.
“I’ve learned so much from KDL’s resources growing up, and now I am having my education furthered into college with their assistance.”
Passionate about making a difference
These winners are students who are passionate about making a difference, champions for inclusivity, innovators at heart and lifelong learners with a love for the library. These guidelines were shaped by those of the Library Journal Jerry Kline Award, an award KDL received in 2023 that afforded KDL the opportunity to begin this scholarship fund.
The scholarship award in the amount of $5,000 will be disbursed directly to the recipient’s chosen college, university or trade school to be used for tuition, fees, books or other educational expenses.
Grab a four-legged friend for this popular community event filled with music, food, drinks, and fun – all while supporting a great cause (Courtesy, Hats & Hounds)
Dust off your best hat and grab a four-legged friend for the popular Hats & Hounds popular community event filled with music, food, drinks and fun – all while supporting a great cause.
There will be a chance to win a prize for Best Dressed Hound & Handler – so don your best outfit! (Courtesy, PAWS)
Event details
This evening of fun will take place on Thursday, May 22 at 6 p.m. at Wildwood Family Farms located at 7970 Snow Ave SE, Alto, MI 49302. Guests will enjoy toe-tapping bluegrass music from the Round Creek Trio, indulge in southern-inspired food and beverages, take part in exciting raffles and games, and have the chance to win a prize for the Best Dressed Hound & Handler Contest.
Tickets are just $25 per person and include all food and drinks. In addition to the fun, attendees will meet PAWS clients and learn firsthand about the life-changing impact PAWS assistance dogs have on individuals with disabilities.
Financial support is needed as the need for assistance dogs increases (Courtesy, PAWS)
“It’s exciting to bring this event back for another year. Last year, we were able to raise $15,000 for our mission and this year we’re hoping to raise even more,” said Ashley Diersch, Chief Advancement Officer at PAWS.
“There is a growing need for assistance dogs, and the need for financial support continues to grow as well. With the challenges of inflation and the uncertainty with the economy, we need more help from our community to continue this life-changing work. Every ticket purchase helps!”
Personal pets are welcome, but must be over 16 weeks old, fully vaccinated, leashed and under the control of their owner at all times. If you are unable to attend but still want to support PAWS, donations are welcomed and can be made online.
Residents in the Kelloggsville Public School District are being asked to vote on a non-homestead property tax proposal that generates approximately $4.4 million dollars annually for area schools (Courtesy, KPS)
This will be a renewal of a millage that will expire with the 2025 tax levy, and an addition of millage that will only be levied to restore the millage as a result of Headlee rollback. The operating millage generates approximately $4.4 million dollars annually, and was last approved by voters in May 2023.
Millage details and impact
(Courtesy, KPS)
According to the KPS website, Michigan school districts are required to levy 18 mills (a mill is $1.00 for every $1,000 of taxable valuation on property) of operating millage on non-homestead properties for a specific period to receive their full revenue per-pupil foundation allowance.
The operating millage provides critical funds to support the day-to-day operations of schools.
“Renewing the non-homestead millage is crucial to maintaining the strength of our schools,” said Eric Alcorn, Assistant Superintendent of Human Resources for Kelloggsville Public Schools. “This is not a new tax but a continuation of funding that supports our students, teachers, and programs.
“Maintaining this support enables us to deliver the best education to our community’s children.”
Funding includes, but is not limited to, staffing costs, instructional programs, instructional materials, transportation and maintenance.
The proposal would renew taxes on business properties and second homes. It would not cost the owners of a primary residence any additional taxes, as a homeowner’s primary residence is exempted from this tax.
Failure to authorize the operating millage proposal would decrease the KPS annual general operating fund by an approximate $4.4 million dollars. If access to these funds is lost, cuts will need to be made within the KPS operating budget.
(Courtesy, KPS)
Headlee Amendment
Michigan voters approved the “Headlee” tax limitation amendment to the Michigan Constitution in 1978. The Headlee Amendment requires local units of government, including school districts, to reduce millage rates when annual property values increase to more than a statutory rate.
The State of Michigan will not replace lost funding due to a non-approval; these funds are only received via voter approval of the renewal.
Voting details
Voting polls for the millage are open from 7 a.m. until 8 p.m on May 6. Visit michigan.gov/vote to find your voting location.
Michigan’s frigid winter has left its mark. For senior customers who may have seen a seasonal increase in their bills this winter, Consumers Energy stands ready to assist by connecting those ages 65+ with energy saving strategies and payment resources to help them pay their heating costs.
Through March 31, Consumers Energy will be proactively reaching out to select senior citizens with an opportunity to review seniors’ accounts and offer personalized payment assistance options to get them back in control of their energy bills.
“We want our customers to know that we are here for them 24/7, in any season,” said Lauren Snyder, Consumers Energy’s Vice President of Customer Experience. “And that means we’re here to help them save energy and save money.
“Whether it’s through our various energy saving programs or through our payment assistance options, we can help our neighbors most in need.”
Cost saving tips
Home heating costs account for about 30% of customers’ energy bills, with water heaters alone accounting for almost 15%. In addition to payment assistance options, Consumers Energy reminds customers there are some simple steps they can take to limit their usage and save even more.
One of the easiest ways to save is by installing a programmable smart thermostat. Doing so could save as much as 20 percent on heating costs. Customers typically save 1-3% for every degree they dial down their thermostat.
Customers can also save money by installing a programmable or wi-fi thermostat, often at reduced costs through ConsumersEnergyStore.com.
The Senior Check-ins will connect customers with the various payment assistance resources available that apply to their situation (Courtesy, pxhere.com
How to participate in Senior Check-in
Seniors interested in participating in the Senior Check-in can call 888-535-9280 Monday-Friday from 7 a.m.-6 p.m. The Senior Check-ins will connect customers with the various payment assistance resources available that apply to their situation.
As a senior citizen, you qualify for the following assistance:
Winter Protection: Pay part of your charges through winter months while being protected from a service disconnect during the season.
Electric Senior Citizen Bill Credits: This income assistance credit is designed to help seniors on fixed incomes.
The Electric Senior Citizen provision helps you with your electric bill with an added credit of $4 to your bill each month. Qualifying customers must meet age requirements and be the head of the household.
If you are eligible to receive the Electric Income Assistance credit, you will no longer receive the Electric Senior Citizen credit.
More resources:
Michigan Aging & Adult Services Agency: Local agencies that are located within communities around the state that provide a variety of senior services and activities.
Elder Law of Michigan: Older adults and people with disabilities can get help paying for the cost of basic needs like food, medicine, healthcare, utilities, housing and taxes.
If your income is at or below 110% of the federal poverty level, you may qualify for the Home Heating Credit. You may apply for a Home Heating Credit for the 2024 tax year to help pay your energy bill. Even if you live in a rented apartment, mobile home or your income does not require you to file taxes, you can still apply for this credit. The deadline for filing the 2024 Michigan Home Heating Credit Claim MI-1040CR-7 is Sept. 30.
There is additional help available for anyone who needs assistance with their energy bill, no matter your age. Call 2-1-1, a free resource that connects people with nonprofit organizations or visit consumersenergy.com/assistance.
A comprehensive economic impact study underscoring the significant contributions of the city’s arts and cultural sector reveals that the Arts & Culture Collective of Grand Rapids (ACCGR) participating organizations generate over $300 million in economic impact annually.
(Photo courtesy of blinkPHOTO)
These institutions attract nearly 1.3 million visitors each year to the Greater Grand Rapids area and employ 2,500 individuals.
The study was released by the ACCGR supported by the City of Grand Rapids, and in collaboration with KConnect and the Seidman College of Business at Grand Valley State University.
“The arts and culture sector is a powerhouse for our region,” said Tim Mroz, Senior Vice President of Community Development at The Right Place and an ACCGR Steering Committee Member. “Generating over $300 million in annual economic impact and supporting 2,500 jobs, these institutions are at the heart of our community’s growth and vitality.
“They are not only cultural treasures but also key drivers of economic prosperity, proving that investing in our local institutions is investing in our future.”
Above and beyond
Beyond the economic figures, the arts are an integral part of what makes Grand Rapids a dynamic and thriving community.
Cultural vitality enriches residents’ lives and attracts businesses and talent (Courtesy, The Stray)
The sector fosters creativity, inspires innovation, and provides a platform for diverse voices to be heard, strengthening the social fabric of the region. This cultural vitality not only enriches residents’ lives but also attracts businesses and talent, reinforcing the area’s reputation as a desirable place to live, work, and visit.
“This initial study begins to quantify what we already know: arts and culture play a vital role in our community,” said Steff Rosalez, Co-Chair of ACCGR and CEO of Grandville Avenue Arts & Humanities. “Beyond enriching our cultural landscape, these organizations are pivotal economic drivers.
“Fostering tourism is just one part of our economic impact. The arts and culture sector creates jobs, supplements education, and enhances the overall quality of life, which encourages people who work in other sectors to live here, invest here, and raise families here.”
The ripple effects of this impact extend far beyond the arts sector itself. Local businesses, including restaurants, hotels, and retail establishments, benefit from the influx of visitors attending performances, exhibitions, and events.
A vital relationship
This relationship between the arts and the local economy underscores the essential role of nonprofit arts and culture organizations as both a cultural cornerstone and a key economic contributor to Kent County.
The Verve Pipe performs in the greater Grand Rapids area regularly (Courtesy, The Verve Pipe)
ACCGR remains dedicated to advocating for the arts and cultural sector, aiming to leverage these findings to inform policy decisions and encourage continued investment in the creative economy.
Read the executive summary and explore the complete study here.
About the ACCGR
The ACCGR is an arts + cultural collective leveraging the power of creativity for equitable social transformation. By leading initiatives such as a countywide economic impact study and the development of a comprehensive Arts and Culture Plan, ACCGR is building the infrastructure necessary for a thriving, equitable arts ecosystem.
Twenty-one students at Grace Christian University (GCU) spent three seconds in an icy inflatable pool on Feb. 19 to help lower their tuition bill.
Organized by GCU’s Advancement and Student Affairs departments – and aptly named The Big Freeze – this third annual fundraising event was held on campus grounds.
But…it’s winter…in Michigan!
(Courtesy, GCU)
Event coordinators Emily Lazor (GCU Advancement Coordinator) and Rebeccah Karsten (GCU Community Life Coordinator) said The Big Freeze was launched when university staff decided to use the cold Michigan weather to their students’ advantage.
“Winter in Michigan, compared to the other seasons, narrows the options for student activities and donor events,” said Lazor and Karsten. “So rather than fight the elements, we decided to use the cold weather as a focal point to provide a unique scholarship opportunity for our students.”
The lighthearted event attracted a crowd of faculty, students, staff and event families who watched the brave souls fully immerse themselves in a small inflatable pool for at least three seconds.
“Splash for cash”
A 2024 Big Freeze participant enters the frigid pool (Courtesy, GCU)
Student participants, known as The Blue Crew, raised $13,475. GCU awarded matching gifts to the first 10 students to raise $250 ($2,500), and the top 10 fundraisers earned additional scholarships ranging from $100 for tenth place to $1,000 for the top earner ($5,500), bringing total money awarded to $21,475.
All funds raised are applied directly to the student’s account for the current semester.
This year’s three highest-earning students were:
Triston Murray $3,910
Tammy Perrotta $3,400
Stacy Delgado $2,948
This is quite the increase from The Big Freeze’s inaugural year that yielded five student participants raising $3,355.
A personal (frosty) stake
Lazor and Karsten say that GCU students are never left without resources. Students are continuously coached toward affordable education paths, and fundraisers are no exception. Event leaders are available with resources, advice and guidance as students learn to advocate for their educational endeavors.
A bonfire helped ward off the winter chill (Courtesy, Craig Clark)
“[The Big Freeze] is a unique experience, it yields a high return on investment, and they can really show their creative side,” Lazor and Karsten said. “Three icy seconds is worth every penny, no matter the amount raised. Who couldn’t use some extra money to lower their tuition bill?”
Many students who participate in The Big Freeze have multiple part-time jobs, or even full-time jobs, in addition to being full-time students. Any opportunity to have friends, family and community members partner in their fundraising efforts has an immediate impact to reduce the cost of their education.
GCU staff and faculty are always “on board” to support students (Courtesy, GCU 2024)
“There is never an off-season when it comes to meeting student’s needs or supporting their financial journey of higher education.”
GCU staff and faculty are always “on board” to support the university students – and this fun, yet frosty, event is no exception.
“We enjoy watching our students succeed academically, athletically, or professionally,” said Lazor and Karsten. “Supporting their fundraising efforts is another way to come alongside them to let them know we value them as students.”
Dedication and anticipation
The Big Freeze was generously underwritten by The Velting Foundation.
GCU staff and students are deeply grateful to all the generous donors and supporters who made this event possible.
For those inspired by the dedication of GCU’s students, donations are still being accepted in support of student scholarships. GCU’s 2025 fall tuition is $19,500.
An event participant makes a big splash while a blanket is held ready and waiting after they emerge (Courtesy, Craig Clark)
For more information on this chilly annual event, visit the event page for additional details. A video showcasing the 2024 event can be found at this YouTube link.
“We are already anticipating next year’s excitement!”
AnchorPoint Christian School in Wyoming is entering PaperGator’s first-ever Paper Recycling Contest in celebration of Earth Day (Courtesy, AnchorPoint Christian School)
AnchorPoint Christian School in Wyoming has entered PaperGator’s first-ever Paper Recycling Contest in celebration of Earth Day!
(Courtesy photo)
PaperGator is offering participating locations the chance to earn exciting rewards by increasing their paper recycling volume until April 11. Locations that show the greatest improvement will be awarded up to $5,000, with the option for bonus prizes. All participants earn double the usual payouts during the contest period.
Investing in the future
Located in urban Wyoming, AnchorPoint has been providing faith-based education to Preschool-6 students since its inception in 2010.
The PaperGator contest teaches students about the importance of recycling while also supporting education (Courtesy, pxhere.com)
AnchorPoint serves a diverse student body, including 44% of students from low-income households. The payouts from PaperGator have helped support the school for the past 15 years by providing funds for educational resources, learning materials and physical activity tools.
Holly Gomez, AnchorPoint teacher, said this contest is important to the school for two main reasons.
“First, we value teaching students about the importance of recycling and sustainability, which is crucial for the environment and for the future of our community,” said Gomez. “Second, it offers us an opportunity to raise funds to purchase Classroom Cruiser Bike(s) for our library.”
Gomez went on to say that the bikes will help create a more dynamic and engaging learning environment by allowing students to merge physical activity with academic work.
“Recent research highlights the benefits of movement in enhancing cognitive function and academic performance in young learners,” Gomez said. “Many of our students face challenges with staying focused during extended periods of seated instruction.”
Gomez believes the Cruiser Bikes are an innovative resource that will make a significant impact on AnchorPoint students.
“The introduction of Classroom Cruiser Bikes will allow students to engage in light physical activity while reading, researching, or participating in library-based activities, fostering both academic and physical well-being.”
The double participation payouts will significantly boost AnchorPoint’s incoming funds, helping meet the cost of the Classroom Cruiser Bikes and possibly provide additional support for other educational tools that will enhance students’ learning experiences.
“Providing equitable access to innovative learning tools like Classroom Cruiser Bikes ensures that all students can benefit from cutting-edge educational resources, regardless of their socioeconomic background,” said Gomez.
Contest award details
Winners will be determined based on the largest percentage increase in paper recycled from January to April 11, compared with the same period in 2024.
Grand Prizes:
1st Place – $5,000
2nd Place – $2,000
3rd Place – $1,000
Top 10:
Double Earnings for the entire year of 2025!
Bonus Prizes:
5 randomly selected participants will win $500 worth of school supplies (to be awarded at the start of the 2025 school year).
All participants will earn Double Earnings from January 2025 through April 11, 2025.
Winners will be announced on Earth Day, Tuesday, April 22.
Contribute to the environment and education!
Recycling plays a vital role in protecting the environment for future generations (Courtesy, pxhere.com)
In 2024, the school averaged 1,000 lbs. per month, the equivalent of half a PaperGator full of recyclable material.
AnchorPoint is reaching out to their business partners, the community and local churches to let them know about the opportunity to recycle with the school in order to increase their volume.
AnchorPoint encourages everyone to participate in the PaperGator Recycling Contest and consider recycling their paper products.
“Beyond helping our school, recycling plays a vital role in protecting the environment for future generations,” said Gomez. “By supporting us in this contest, you’re not only helping AnchorPoint, but also contributing to a greener, more sustainable future for the children we serve.”
AnchorPoint’s PaperGator bin is conveniently located in their parking lot at 601 36th Street SW in Wyoming.
Learn more about AnchorPoint Christian School here.
More information on how to support AnchorPoint’s mission of inspiring and educating the community through innovative, Christ-centered learning can be found here.
Acclaimed wealth manager Megan Gorman will visit both the Gerald R. Ford Library and the Gerald R. Ford Museum to discuss the many ways presidents have made – or lost – money (Courtesy, GRFM)
Megan Gorman, tax attorney, wealth manager and author (Courtesy, GRFM)
Megan Gorman, tax attorney, wealth manager and author, will be discussing the financial feats and faux pas of U.S. presidents at both the Gerald R. Ford Library in Ann Arbor (Feb. 19) and the Gerald R. Ford Museum in Grand Rapids (Feb. 20).
“We are fortunate to be able to bring Megan Gorman to both of our locations as a guest speaker,” said Brooke Clement, Director of the Gerald R. Ford Presidential Library & Museum.
“Her expertise as a wealth advisor will help guide the audience through the various financial identities of our nation’s leaders.”
The American Dream
“There’s something unique in the course of American history where we’re all dealing with these same problems under the context of everybody wanting to achieve the American financial dream,” said Gorman.
Though Gorman is founder and managing partner of Chequers Financial Management, a female-owned high-net-worth tax and financial planning firm in California, and a senior contributor at Forbes, she is no stranger to financial woes.
“I grew up very middle class in southern New Jersey, and the idea of being able to understand money and how to use it really appealed to me,” Gorman said.
When entering law school, Gorman knew she wanted to work with people – and that she didn’t want to practice law in the traditional sense. It was during her first tax class that Gorman realized she enjoyed problem solving and puzzles, and “it all clicked together for me.”
Fascinated by wealth and the journey to achieving it, Gorman embarked upon a path that opened up a new understanding of the psychology of money.
“Money is emotion”
“Over the years I have learned that the psychology of money – and the ability to understand our individual money stories no matter how much money we may have – is the key to making better financial decisions,” said Gorman. “I enjoy exploring financial issues through the lens of psychology, pop culture and history.
“Money touches every area of life, and money is emotion,” Gorman continued. “We all wake up at two in the morning at some point in our life worried about money.”
Gorman found that many prominent individuals – whether presidents, rock stars or actors – have faced financial struggles.
“Once you start to scratch at the surface, you realize that everybody’s struggling. Everybody makes good financial decisions, and everybody makes bad financial decisions.”
Making our own way
President Gerald R. Ford (Supplied)
Gorman has loved reading about U.S. presidents since she was a young girl.
“I connected a lot as a child to their stories because a lot of the presidents grow up in small towns and eventually make their way out in the world,” said Gorman.
Realizing deep studies into the personal finances of the presidents did not exist, Gorman began her own research. She found that, regardless of the time period in American history, everybody has the same financial issues.
Anxiety about paying bills, affording college or buying a house is a unique human experience affecting all demographics.
Grand Rapids’ very own Gerald R. Ford was no exception.
“Ford lived paycheck to paycheck even when he was in the White House,” said Gorman. “It’s something you don’t think about the president worrying about, but of course he was worrying.”
What made Ford unique, Gorman continued, was his fearlessness when encountering a challenging financial moment.
Gerald R. Ford (left) is sworn in as the 38th President of the United States by Supreme Court Chief Justice Warren Burger on Aug. 9, 1974 (Courtesy, GRFM)
“He was willing to make decisions with his money that might have run contrary to what would be the normal path,” said Gorman. “I think that is why he ended up being so successful with money.”
Ford was one of the presidents Gorman enjoyed learning about most – and she is excited to share what she has learned with residents of his home state.
“Speaking at both the Library and the Museum is so exciting because [Ford] really transformed how presidents deal with money,” said Gorman. “He was a fascinating man, an incredible patriot, and he hated debt. He wanted to have no mortgages, and he worked very hard after the presidency to make sure that happened.”
The good, the bad, and the ugly
Along with Ford’s financial legacy, Gorman will discuss various other presidents and how timing and individual personalities impacted their presidency and financial situations.
(Courtesy photo)
“One of the best people with money in the course of the American presidency was actually Herbert Hoover,” said Gorman, adding that most people associate Hoover with the Great Depression. “He just had the misfortune of being president when it happened. And it was a pretty hard challenge to take that on. When you actually look at [Hoover], those four years were the worst four years of his life.”
However, the Quaker system taught Hoover how to budget money at a very young age, and he was known for giving back to the community.
In contrast, Thomas Jefferson was a founding father, wrote the Declaration of Independence, was a great thinker – but struggled with finance management.
“As talented as he was with all those other areas, he was not good with managing his own money,” said Gorman. “At the end of his life, Jefferson was about to lose Monticello, his debt was that bad.”
Even wealthy presidents such as Franklin D. Roosevelt and John F. Kennedy faced financial challenges.
Learning more about the U.S. presidents, Gorman said, reminded her of their humanity. “Some of them were really interesting people, just not great presidents.”
A solid…maybe
While Gorman says she would love to write another book, All the Presidents’ Money was a labor of love spanning four and a half years.
“Trust me, anyone who’s written a book will say you want to give up constantly,” Gorman said with a laugh, adding that the answer to whether another book is forthcoming is a solid…maybe.
“Maybe I’ll do this again,” said Gorman. “But I can tell you [All the Presidents’ Money] is one of the best things I’ve ever done, and I’m excited about it.”
Event details
Scheduled for 6:30 p.m. on Feb. 19 at the Library and Feb. 20 at the Museum, these programs are free and open to the public.
Registration is encouraged. A Zoom option on Feb. 19 will be available for those who cannot attend in-person.
Both programs will conclude with a book sale and signing.
(Courtesy, Deborah Reed WKTV)
These events were made possible by the collaboration of the Gerald R. Ford Presidential Library & Museum, Barack Obama Presidential Library and the Gerald R. Ford Presidential Foundation.
Kent District Library and the KDL Board of Trustees are proud to offer a $5,000 KDL Community Impact Scholarship.
This scholarship will recognize high school seniors and adults returning to school who have worked hard to improve their communities and show potential to make long term impact. Both trade-bound and college-bound students are eligible to apply. All candidates must live within the KDL service area.
Making a difference
Strong candidates will be students who are passionate about making a difference, champions for inclusivity, innovators at heart and lifelong learners with a love for the library. These guidelines were shaped by those of the Library Journal Jerry Kline Award, an award KDL received in 2023 that afforded KDL the opportunity to begin this scholarship fund.
“Our mission at Kent District Library has always been to empower and uplift our community through education and opportunity,” said Andrew Erlewein, Chair of the Kent District Library Board of Trustees.
“By launching this Community Impact Scholarship, we’re thrilled to provide direct support to individuals in our area who are ready to pursue their dreams through college or trade school. We believe this scholarship can make a meaningful difference in the lives of recipients and in the community as a whole.”
Scholarship timeline
Applications will be accepted online at kdl.org/scholarship from Dec. 1, 2024 – March 1, 2025. Applications will include a form, two letters of recommendation, accepted enrollment letter, a library card number and optional supporting materials. Up to three scholarships will be given this year.
The scholarship recipient(s) will be chosen by the KDL Board of Trustees based on their overall impact on the community and alignment with the scholarship criteria as displayed in their responses.
Winner(s) will be announced May 1, 2025. The scholarship award in the amount of $5,000 will be disbursed directly to the recipient’s chosen college, university or trade school to be used for tuition, fees, books or other educational expenses.
Kent County residents will have the opportunity to vote on several party nominations and millages in the Aug. 6 primary election.
On the ballot will be the renewal of the Ready by Five Early Childhood Millage, which is funded by a 0.25 mill property tax increase. For example, the owner of a home valued at $300,000 will pay approximately $37.50 annually, or $3.13 per month.
If passed, the millage will run through 2030.
(Courtesy, FSK)
Think long-term investment
The Ready by Five millage is facilitated by First Steps Kent (FSK), an independent nonprofit organization dedicated to giving children access to the necessary policies, programs, and support systems to thrive and be developmentally on track when they start kindergarten, according to their website.
The economic impact of an early childhood millage can yield some results in the short-term, but long-term results are the true goal of the millage, according to Jennifer Headley-Nordman, President of First Steps Kent.
“Some of the research that we share is from economist James Heckman looking at longitudinal data,” said Headley-Nordman.
Results of the James Hekman study (Courtesy, FSK)
“If you make investments in early childhood later on when they are 18 and beyond, you begin to see improved graduation rates, lower incarceration, seeing individuals having better attainment in continued education or in the workforce.”
Ready by Five funds a wide range of early childhood programs, including services for expectant parents, play-and-learn groups, and intensive therapy for children grappling with behavioral health issues.
“For individual programs, returns can be anywhere from $3 to $7 for every $1 spent. You are getting more than double in return. If a child has additional needs and layers, services can return $12-$15,” said Headley-Nordman.
Pennies today can save thousands in the future
A child who receives help for early childhood delays at a young age can often overcome those delays more effectively than if they are addressed later in the school system.
“If you can remediate speech and language delays and improve fine motor skills when kids are young and eager to learn, they are less likely to need robust special education services that can be extremely expensive,” said Headley-Nordman.
Receiving help at an early age can save money in the future (Courtesy, FSK)
How the millage works
In order to receive funding through the Ready by Five millage, community programs are required to first submit data and receipts to FSK for review and approval.
“Our process is a reimbursement model,” Headley-Nordman said. “When organizations request funds, they spend their own money first, and then provide us receipts and evidence that they have spent money in accordance with how they said they would as part of the contract.”
2018 millage produces change
The Ready by Five millage was approved by Kent County voters in 2018, and its first class of kindergarteners have excelled due to that funding.
“We finally had a group of kids reach kindergarten, so we had a group of kids that received Ready by Five funds, and we are able to see there is positive momentum with the kids that did benefit from funding,” Headley-Nordman said.
Supporting the community
Some in Kent County may be hesitant to add more to their taxes, but Headley-Nordman urges them to think about the long-term benefits to the community when it comes to the Ready by Five millage.
Working together helps the entire community (Courtesy, FSK)
“Being able to share the cost of supporting programs and services that individuals in the community need for their children makes a lot of sense,” said Headley-Nordman. “If you look at this from an economic standpoint it allows those services to be low cost or free to everyone, not just for particular individuals that are benefiting from it.
“We all need help at one time or another. It’s who we are in Kent County. Kent County has a history that we all help each other out.”
First Steps Kent resources
FSK offers various resources and initiatives, and provides funding opportunities for early childhood programs and initiatives. FSK also seeks parent leaders to serve on its Resident Proposal Review Board.
Community members are encouraged to learn more about First Steps Kent, and sign up for updates, at firststepskent.org.
Learn more about the Ready by Five millage in this short WKTV Journal interview with Jennifer Headley-Nordman.
Key metrics show upward tick for the third consecutive month (Courtesy, pxhere.com)
By Brian Vernellis
GVSU Communications
A survey of West Michigan businesses and managers conducted by a Grand Valley State University (GVSU) researcher shows a promising trend of modest economic growth for the region’s economy.
Key metrics in the monthly survey conducted by Brian Long, Director of Supply Management Research at the Seidman College of Business, ticked upward for the third straight month. Despite this positive trajectory, some of April’s respondents approached the year’s second quarter with caution.
Maintaining momentum
(Courtesy, pxhere.com)
Long’s survey of the region’s purchasing managers pointed toward two pivotal indices rising in April. New orders, or business improvement, rose six points while production, or business output, climbed 14 points.
Long said industries like auto parts suppliers and office furniture manufacturers are maintaining their momentum, despite challenges in the global supply chain.
“I do believe that at least some of our statistics will moderate as the summer moves along, but there’s still no sign of an impending doom even if the economy does slow down some, which is what the Federal Reserve wanted to happen,” said Long. “They just don’t want it to slow down too much.”
Continued caution among survey respondents
Even with the encouraging numbers in the GVSU survey, Long noted that among surveyed respondents the mood was decidedly reserved, pointing toward slower growth over the next few months.
“Locally, our current statistics depict stable growth, but our April anecdotal comments from our survey participants continue to grow more cautious,” Long said. “In general, the survey respondents now expect slower growth for the next few months, but still little probability of a recession for the rest of 2024.”
(Courtesy, pxhere.com)
West Michigan key index results
Here is a look at the key index results from April’s survey of West Michigan businesses:
New orders index (business improvement): +16 vs. +10 in March
Michigan residents in Eaton, Ingham, Ionia, Kent, Livingston, Macomb, Monroe, Oakland and Wayne counties with property damage from the Aug. 24-26, 2023 tornadoes, severe storms and flooding may now call or go online to apply for disaster assistance from FEMA.
To start the application process, contact FEMA by going online to disasterassistance.gov, downloading the FEMA app or calling the FEMA Helpline at 800-621-3362.
If you use video relay service, captioned telephone service or others, give FEMA your number for that service. When calling the FEMA Helpline, multilingual operators are available (press 2 for Spanish and 3 for other languages).
Federal assistance may include temporary lodging, basic home repairs and other disaster-related expenses.
Have the following information ready when you apply with FEMA:
A current phone number where you can be contacted.
Your address at the time of the disaster and the address where you are now staying.
Your social security number (or the social security number of a minor child in your household, if you’re applying on their behalf).
A general list of damage and losses.
Banking information if you choose direct deposit.
If insured, the policy number or the agent and/or the company name.
Those who already made repairs or started their recovery should still apply.
FEMA inspectors are trained to recognize damage caused by a disaster even after recovery has started, and they will discuss that damage with you when they come to your home. Be prepared to show repair receipts, photos and any other disaster-related documentation as well.
FEMA offers tips on how to be prepared for the assistance process (Courtesy, pxhere.com)
Important reminders after applying:
Keep important steps in mind when navigating your FEMA assistance process after the August severe storms, tornadoes and flooding.
Next, comes a call. Typically, after you apply, you will be contacted by a FEMA inspector to schedule an appointment. Be sure to answer the phone. The inspector’s phone number may be from out of state or show up on caller ID as “unavailable.”
Then, inspection day. The inspection includes looking at disaster-damaged areas of your home and reviewing your records. FEMA inspectors will carry an official photo ID and will never ask for bank information. They will also never ask for money and never require payment in any form.
The inspector will ask to verify the applicant’s name, address, contact information, occupancy, ownership status, household occupants and insurance coverage. Reasonable accommodations, including translation and ASL interpreters, are available to ensure effective communication with survivors.
Don’t forget to fill out and submit your U.S. Small Business Administration (SBA) loan application. After applying for disaster assistance, applicants may be referred to the SBA. There’s no obligation to accept a loan, but you may miss out on the largest source of federal disaster recovery funds if you don’t apply. If you don’t qualify for an SBA disaster loan, you may be referred back to FEMA for other types of grant assistance.
Finally, a decision will be sent to you. You will receive a letter explaining FEMA’s eligibility decision within 10 days after the inspector’s visit. Be sure to read it closely; it may explain additional steps needed to continue with the process. If you are eligible for assistance, you may receive a U.S. Treasury check or direct deposit based on what you selected during your application.
Getting help to those who need it most is FEMA’s priority. Recovery teams will be out soon in the neighborhoods affected by the disaster to provide one-on-one support to individuals. Recovery centers will also be opening for individuals to get additional in-person help.
For even more information about the disaster recovery operation in Michigan, visit www.fema.gov/disaster/4757.
Financial resolutions are one of the top two resolutions people make at the beginning of each year. Yet 95% of financial resolutions are not met.
Many families have acquired a “debt hangover” as they move out of the holiday season and into the new year. New financial resolutions are made to get their financial situations on track, but rarely met.
This often compounds the problem, adding even more debt.
“Our relationship with money affects how we treat money,” says Livingston.
Livingston went on to say that debt hangover is often created from not living within your means, but is compounded by not preparing properly.
“It’s people not checking and balancing, not planning right, being impulsive – there are just so many things,” says Livingston.
Make purchases within your means (Courtesy, pxhere.com)
When making purchases such as a home, many people buy with “stars in their eyes.”
“They want the pretty, shiny thing instead of the reality of where they’re at,” says Livingston. “That’s how people end up being house poor and living paycheck to paycheck.”
Those living paycheck to paycheck often have to finance special occasions – such as Christmas – on credit cards. This can take years to pay off.
Wages are also not keeping up with the cost of living.
The median (average) household price in Kent County and Ottawa County and the median household income are not equal.
“Debt hangover is not only an issue every holiday, but because people just don’t make enough money,” Livingston says.
Is there a solution?
Continual financial literacy and financial education are part of the solution.
Though there is a wealth of financial resources and knowledge available, financial education in school systems is lacking.
Financial problems will come – be sure you are ready (Courtesy, pxhere.com)
“Even with so many resources available to us, people have so many things they don’t understand when it comes to financial literacy,” says Livingston. “And because they don’t know, they make mistakes.”
Fixed debt vs. revolving debt, debt stacking and fixed interest rates are some options for paying off debt.
The first step, however, is to put a plan in place. That plan should include an emergency fund, a short-term needs fund and a long-term needs fund.
“Getting rid of the debt is important, but what’s also important is making sure that you’re consistently filling your emergency fund,” says Livingston. “It’s not a matter of if you’re going to have a financial issue, it’s a matter of when.”
At times, multiple sources of income – even for the short term – might be needed.
Patience will also be needed since results are not instant. Instead, those results build into a compound effect.
“Many people get so narrow-focused that the only thing they can focus on is debt,” says Livingston. “What you focus on grows.”
Budget = Freedom
Control your money, don’t let it control you (Courtesy, pxhere.com)
“Some people think budgets put handcuffs on them,” says Livingston. “It doesn’t put handcuffs on you, it helps you understand where the money is coming from and where the money is going.”
For 19 years, Livingston lived paycheck to paycheck. She finally decided to track her spending to understand where the money was going.
“Once I understood the pattern of how spending was happening in my household, I realized I was the problem,” said Livingston. “And I was the solution.
“In nine months, I had shifted my spending and it allowed me to buy brand-new furniture for cash. I now controlled my money instead of my money controlling me, and it gave me freedom.”
Don’t give up…break it down
“Sometimes you might feel like you want to just give up,” says Livingston. “But you can make it happen.”
Livingston admits that changing mindsets may be hard work, but taking big dreams and breaking them down into smaller pieces can help.
“It’s not about perfection,” says Livingston. “All you need to do is focus on your progress; it’s really about progress.”
Seeing progress through tracking can help keep you motivated (Courtesy, pxhere.com)
How do we focus on progress?
“You can’t change everything all at once, so pick a max of three things that you’re working on and track them,” says Livingston.
Why do we need to track progress?
“We need to track our progress because our mind plays tricks on us,” Livingston says. “Especially at the end of the day, we want to give up.”
Livingston suggests tracking those three things for 90 days, remembering that – if you fall off the wagon – it’s not about perfection, it’s about the progress that you are making toward your goals. Progress is found in each small step.
Gratitude is an important part of the financial process (Courtesy, pxhere.com)
Gratitude = Less Debt??
Tracking the things you are grateful for is also important.
“I have a journal that I write in. Every day I write three things that I’m grateful for,” says Livingston. “Sometimes they’re financially related, sometimes they’re not.
“But when you’re focused on what you are grateful for, believe it or not, you spend less money.”
An outside perspective
For those unsure of what to track or where to begin, partnering with a financial advisor can help.
“Sometimes it takes an outside eye to take a look at what you’re doing, and point out those things that you’re missing,” says Livingston. “When we’re so close to it, we can miss it.”
Living debt free is possible with a plan (Courtesy, pxhere.com)
Living debt free
“It doesn’t matter if people have $10,000 of credit card debt or $100,000, they can be debt free – if they don’t accumulate anymore debt – in less than four years,” says Livingston.
It starts with a budget, then an emergency fund, a plan and sticking to the plan.
Above all, Livingston says, remember: “You’re the boss of your money.”
For more information on Primerica’s financial services, click here.
The scholarship program empowers individuals enrolling in college or vocational training programs. Your year-end contribution will help establish the fund and enable more individuals to achieve their dreams.
(Courtesy, pxhere.com)
Why should you donate?
Contributions to the scholarship fund, KDL says, are an investment into the education of future local leaders, innovators and contributors. This helps strengthen and build a stronger local community.
Financial constraints often hinder individuals as they pursue higher education. Donations break down those barriers and provide opportunities to those who need it.
“Education is the cornerstone of a thriving community,” KDL says in supplied material. “By supporting our scholarship program, you are helping to build a stronger, more educated community that benefits everyone.”
Contributions and spreading the word
KDL hopes to raise $200,000 or more by June 2024. All contributions, no matter the size, make a difference.
“Every dollar brings us one step closer to supporting another aspiring student,” says KDL (supplied).
Sharing KDL’s message with friends, family and networks has the potential to increase lives impacted with the scholarship program.
(Courtesy, pxhere.com)
Contact and donation information
Those with questions or requests for more information are urged to reach out to KDL at 616-784-2007 or contact@kdl.org.
KDL thanks the community for your generosity and commitment to the future of our community: “Together, we can make a difference in the lives of those who are eager to learn, grow and make a positive impact on the world.”
Even legitimate websites can be impersonated as part of a scammer’s scheme (Courtesy, U.S. Army)
By Deborah Reed
WKTV Managing Editor
deborah@wktv.org
The online culture has opened doors for scam artists (Courtesy, pxhere.com)
In a culture revolving around online and media consumption, local law enforcement and government agencies are working to educate consumers on current scams and how to protect themselves from becoming victims.
Katie Grevious, Better Business Bureau Communications Specialist, told WKTV that falling victim to a scam has become more difficult to avoid as “scammers are becoming more crafty and creative.”
Grevious said that scammers use fear and a sense of urgency to prompt consumers into following their directives: “It is an emotional situation. Something is wrong, something bad is going to happen — that’s what gets people.”
Due to the number of consumers who now shop online, there are ample opportunities for scam artists to create situations involving that emotional response of fear and urgency.
An online society
QR codes boomed in 2020 as consumers needed quick and easy ways to function without physical contact during the pandemic.
QR codes can be used in a multitude of ways (Courtesy, pxhere.com)
Now, in 2023, QR codes seem to be everywhere.
“About 94 million U.S. consumers will use smartphone or QR scanners this year,” said a projection by eMarketer. “That number will grow to 102.6 million by 2026.
Access to menus at restaurants, payment for public parking, boarding a flight, or gaining access to a concert or sporting event are only a few ways QR codes are used. With countless other ways to use these codes, scammers have begun hiding harmful links within QR codes to steal personal information.
QR codes are convenient, but can be utilized by con artists (Courtesy, pxhere.com)
These scam links can take you to a site that looks real but is not, allowing scammers to steal information as you log in, or install malware that steals your information.
Covering up QR codes on parking meters with a custom made QR code is another way scammers con the average consumer.
Texting or emailing a QR code with a reason you should scan it is another. These texts and emails create the sense of urgency mentioned above as they:
Say they could not deliver a package and need you to contact them to reschedule.
Ask you to confirm personal information because there is a problem with your account.
Say there is suspicious activity on your account and you need to change your password via the attached QR code.
What you can do
Inspect URLs before you open them. If it is one you think you recognize, double-check there are no misspellings or switched letters.
If you think the message is legitimate, use a phone number or website you know is sound to contact the company as opposed to using the QR code.
Update phone operating systems to protect against hackers, and use strong passwords and multi-factor authentication to protect online accounts.
Preying on gift card buyers
Look for signs of tampering before purchasing gift cards (Courtesy, pxhere.com)
Copying gift card numbers and their activation codes from where they are kept in stores is a common and simple method of thievery. Once that gift card is bought and activated by an unsuspecting consumer, the fraudster is able to use that card for purchases.
Purchasing gift cards that are kept near checkout lanes where they are more easily seen, and ensuring the cardboard surrounding the gift card has not been tampered with in any way, are ways to protect against this.
Gift cards are used by scammers in a number of other ways as well. Information regarding these scams can be found here.
Porch pirates, phishing, and more
“Phishing emails and phishing texts are still high on the radar,” Keith Morgan, President and CEO of Wyoming-Kentwood Chamber of Commerce, told WKTV.
Phishing, defined as the fraudulent practice of sending messages designed to trick individuals into revealing personal information, is one of the most common conduits for fraud.
Grevious urges consumers to avoid emails that tell you to re-log into another account you may have, and offer a link to do so. Social media site names are regularly utilized for this scam, and are often ploys that will reveal your password to the sender.
Gaining access to one account can possibly grant scammers access to more (Courtesy, pxhere.com)
“Your Facebook password may offer a clue on how to get into more important accounts — like bank accounts,” said Grevious.
“People have a lot of similar passwords because it’s too hard to remember 200 different passwords to everything.”
An online scam could also be as simple as clicking on a link to track an order. Scam artists often use the names of larger corporations to send emails offering a link to track an order the consumer may not remember placing.
Grevious urges consumers to hover their computer mouse over the link, which will reveal a bar that states where it will actually take you. Hovering over the sender’s name to see the email address associated with that email is also a good idea. If it is a jumble of letters and numbers, it is not legitimate.
Also look at the browser — if there is a lock symbol and “https” listed there, it means it is a secure and authentic site.
“It is really important that people are vigilant all the time,” said Grevious. “Look for simple grammar and spelling mistakes. Big companies make sure everything is spelled correctly.”
Fraud can be in many forms, online and off (Courtesy, pxhere.com)
Fake deliveries are another popular scam.
“If someone says they dropped something off, or was sent to the wrong place, and want to confirm that it was sent to the right place [is a red flag],” said Morgan, adding that they will then try to get you to enter personal information.
Porch pirate thefts are a non internet-based scam that involves stealing delivered packages off residential and business porches.
Cameras at the front of the house or business can protect against thefts. Another option is to have packages delivered to a safe and secure place as opposed to the porch.
“Sometimes homeowners will have packages delivered to the side of the house if they are not going to be there,” said Morgan. “Some organizations with delivery services will allow you to have it delivered while you are at home so you know it gets there.”
Eliminate hurry, double-check sources
(Courtesy, pxhere.com)
Slowing down is also key to ensuring consumers don’t miss something important.
“Think before you act,” Grevious said. “Our culture has a quick-go pace. We do a lot on our phones, so we don’t do that double-checking and hovering. “You are in control of your information and who you are talking to. Think before you act.”
Consumers are also urged to speak up if they become victims of a scam.
“The more people let us know what is happening, the more we can help,” said Grevious.
KDL wins national award, plans to reinvest the prize money into the community (Courtesy Photo)
By WKTV Staff
deborah@wktv.org
The Jerry Kline Community Impact Award recognizes libraries as a vital community asset (Courtesy, KDL)
The Kent District Library Board of Trustees recently approved a plan to reinvest $250,000 in prize money into the community. The money will be used to support library expansion projects and to establish a scholarship fund.
As the recipient of the fifth annual Jerry Kline Community Impact Award, KDL receives the one-time prize as the 2023 winner of this national award.
Developed as a partnership between the Gerald M. Kline Family Foundation and Library Journal, this award recognizes the powerful synergy that results when a library works closely with both its local government and its community.
Funding Details
Four communities in the KDL service area currently have a library expansion project underway — the cities of Rockford and Walker and townships of Grattan and Tyrone. Thanks to this one-time prize for excellence, KDL is able to pledge $50,000 to support each of these projects.
KDL is also establishing a scholarship fund for KDL patrons who are a pursuing a college degree with plans to positively impact their community. The fund will be established with $50,000 from the Jerry Kline prize, interest earned from KDL’s Community Foundation Fund through the Grand Rapids Community Foundation, and private donations.
Scholarship applications will be announced and accepted late in 2024.
Community Impact
“The whole focus of the Jerry Kline Award is community impact, so it only seems fitting we use these funds to have a positive effect on the communities that we serve and love,” KDL Executive Director Lance Werner said. “This is an exciting opportunity to live out our mission of furthering all people thanks to the financial prize that comes with this recognition.
“This gives us a unique opportunity to invest in the physical growth of branches in our community and in personal growth for exceptional patrons. We are so pleased to give back to Kent County, whose residents so thoughtfully support our operations.”
People who would like to donate to the building projects can do so by contacting the government offices for Grattan Township, city of Rockford, Tyrone Township or city of Walker. For those who would like to donate to the KDL Impact Scholarship fund, visit kdl.org/donate.
Impact Award Highlights
(Courtesy, KDL)
The Jerry Kline Community Impact Award was created in 2019 to distinguish the public library as a vital community asset.
KDL was recognized for building relationships with local officials based on a foundation of trust and credibility.
All U.S. public libraries were eligible to apply for the prize whether in a single building in a small town or a multi-branch system serving an entire region.
Nominations were evaluated based the library’s impact on the community in areas such as engagement, inclusion, leadership development, sustainable thinking and inventiveness.
According to preliminary results, nearly 100,000 voters submitted ballots in the special election, supporting the ballot measure 77% to 23%. Voters approved the new, lower rate of 1.1 mills, which reflects a reduction of 10.9% off KDL’s current millage rate of 1.2355 mills.
“My team and I want to thank all those who came out to show their support for KDL,” said KDL Executive Director Lance Werner. “The community already shows how much it values the library every day, with record-setting attendance at programs and total circulation of materials. We’re thrilled to see validation of this in the approval by voters.
“This millage will simultaneously save taxpayers money while securing our future and allowing us to continue serving our wonderful community.”
How taxpayers will save
The KDL board approved Jan. 1, 2024 as the start date, even though the current millage is not set to expire until Dec. 31, 2024. This will provide taxpayers with immediate savings.
Taxpayers will see immediate savings (Courtesy, pxhere.com)
The millage will generate $26.6 million in its first year, covering the expense of physical and digital collections, employees, programs and events, tech tutoring and other library services, rent and other expenses.
With the new lower rate, taxpayers will save $3.1 million annually or $46.5 million over its life, with the average homeowner paying $145.75 annually for access to library services – or $2.80 per week.
About KDL services
The award-winning library system serves residents in 27 municipalities through 20 branches, an Express Library, a bookmobile, its main service center, 5,000-plus annual in-person programs and a host of patron-focused services.
KDL’s collection is extensive, with more than 700,000 physical items and 15.6 million digital items. Known for its family-friendly programs, KDL offers more than 5,600 programs and outreach events each year.
Financial advisor and money mindset coach Dinorah Caro Livingston welcomes participants to a local financial wellness workshop (Courtesy, Deborah Reed WKTV)
By Deborah Reed
WKTV Managing Editor
deborah@wktv.org
Attorney Rose Coonen engages community members in coversation (Courtesy, Deborah Reed WKTV)
Dinorah Caro Livingston, Regional Vice-President of Primerica Advisors, recently hosted a financial wellness education workshop to help unravel the mystery surrounding financial wellness.
“It’s about providing education,” Livingston said. “The more that people know, the better they can make informed decisions for what they need.”
Education you won’t get in schools
With 20 years operating in the financial arena, Livingston is dedicated to helping people take control of their finances and their future.
“If you want something different in the future, you have to do something different today,” said Livingston.
Dinorah Caro Livingston talks about life moments that create our “WHYs” (Courtesy, Deborah Reed WKTV)
But Livingston also understands that taking the reins can seem overwhelming.
“Unfortunately, people get scared, and they are scared to ask for the information,” said Livingston. “[But] there are no dumb questions. People can take baby steps to become financially stable,” Livingston added.
Livingston urges people to begin taking those baby steps to avoid a situation where they run out of time or it is too late to put plans in place.
“If you drop them little seeds of education along the way, sometimes it spurs them on to stop dragging their feet,” said Livingston. “And depending on where they are in their lives, the message is heard differently.”
Livingston provides quarterly workshops to the public but also presents workshops for specific groups such as employers, schools and churches.
“We have multiple investment partners who will help us with these,” said Livingston, “We believe education should be free.”
When Livingston met personal family lawyer Rose Coonen of Coonen Law, PLLC, she found that Coonen also focused on educating her clients via relationships and informational workshops.
A partnership was born
With 20 years of estate planning experience, Coonen believes financial planning goes hand in hand with estate planning. Like Livingston, however, Coonen has found that most people are reluctant to take that first step.
Attorney Rose Coonen talks about gaining and maintaining control of your estate and assets (Courtesy, Deborah Reed WKTV)
“Especially from an estate planning standpoint, it’s important, but not urgent,” said Coonen. “And no one wants to think about it.”
The solution?
Coonen says that she encourages people to think about who they are setting plans in place for, and offers to come alongside them to help.
“We do education pieces to say why it’s important, here is what could happen, let us be of service to you and help you,” Coonen said.
Communication and empathy are key
Both Livingston and Coonen have noticed that the success ratio for businesses is higher when the focus is partnership with families rather than transactional.
Rose Coonen answers questions about estate planning from the audience (Courtesy, Deborah Reed WKTV)
“Every family is different,” said Coonen. “Every family has different family dynamics.”
She believes the community has chosen to nominate her firm because she is not the “typical” attorney.
“I do not consider myself a traditional estate planning attorney,” said Coonen. “We are more holistic. We tell clients right from the start that they are not a number, that we come alongside them, not just to get a plan set up, but we stay in contact with them. They hear from us regularly.”
Coonen said her goal is to give families peace of mind.
“We guide families,” said Coonen. “We spend a lot of [time] building those relationships with our clients.”
Coonen has spent hours during the day calling clients to check in and see how they are doing, if anything has changed, and how life is going.
“Estate planning is an on-going process,” said Coonen, adding that the law firm does reviews every two years to make sure a client’s established plan is still current to their needs.
Get rich – slowly
Mark Everswick talks about the importance of long-term investments (Courtesy, Deborah Reed WKTV)
Franklin Templeton Investments Regional Director Mark Everswick has also joined forces with Livingston and Coonen to bring the component of long-term investments to the table.
With an ever-evolving economy, investing can be a puzzle. Everswick provides strategies to help people invest confidently at every age.
Everswick said that patience is key in long-term investing.
“This investing thing is [about] getting rich slowly,” said Everswick, adding that the benefits are seen over a period of time.
The goal, Everswick continued, is not to simply acquire financial stability and retire, but to pass that stability on to family, preserving it for the future.
“An apple a day keeps the doctor away.”
Consistency is key in financial planning (Courtesy, www.pxhere.com)
Livingston recited an old saying to help convey the value of consistency.
“That consistency is so important, whether on the legal side or the financial side,” said Livingston. “Sometimes you need a coach to stay on track. It’s never ‘if’ you’ll fall down on the financial mat, it’s a matter of ‘when.’ And when that happens, we are going to be with you.”
Brian Long is a local business forecaster. (Courtesy, GVSU)
Local manufacturers are seeing the West Michigan economy flatten as sales across some industries have slowed and market demand has stabilized, according to a monthly survey conducted by Brian G. Long, director of Supply Management Research at Grand Valley’s Seidman College of Business.
Long said his August report shows several key indicators from July have flattened after fluctuating from the previous few months.
“Our most important index in our survey of purchasing managers is new orders,” Long said. “When new orders are coming in strong to just about any firm, they start buying more materials, more equipment, more industrial services and eventually of course, hiring more people, but the impact on the financial and employment statistics may not show up for weeks or even months.
“So right now, with most of our recent orders indexes turning in flat or stable, we have to declare that the West Michigan economy is stable, neither expanding or contracting.”
While the strong demand for cars and light trucks is helping the automotive industry prosper, suppliers in the office furniture sector are seeing their segment soften, Long said.
“Statistically, this month’s survey of purchasing managers in West Michigan is about as flat as it can possibly be,” Long said. “However, it is our automotive parts producers that are holding us up. Other industries like office furniture are softening, but again, I say softening and not collapsing like we would expect in a recession.”
Here is a look at the key index results from July’s survey of West Michigan manufacturers:
New orders index (business improvement): 0 versus +9 in June
Retirement. Ah, that golden period of life we all look forward to. You’ve worked hard over the years and it’s finally time to enjoy the fruits of your labor. But before you sail off into the sunset, it’s essential to have a solid plan in place. There are some crucial questions to answer, so let’s dig in.
1. When do I want to retire? The “when” is more significant than you might think. Retiring too early might mean you’ll need to stretch your savings for a longer period. Wait too long, and you might not have as many healthy years to enjoy it. The age at which you retire can also affect your Social Security benefits. It’s a complex puzzle, and it’s worth spending time to piece it together.
2. How much money will I need in retirement? This is a biggie. You need to estimate your living costs in retirement. Will you travel? Do you plan to spoil the grandkids? Maybe you want to pick up some new hobbies? All of this will cost money. And don’t forget about healthcare – a significant expense for many retirees. You’ll also need to consider inflation; it can significantly erode your purchasing power over time.
3. Where will my income come from? Your days of drawing a regular paycheck are ending, so where will your money come from? Consider all sources of income: Social Security, pensions, retirement savings like 401(k)s and IRAs, annuities, and any other investments. Maybe you plan to work part-time? It all adds up. Just remember, some sources of income may be taxable, so make sure to account for that.
4. How will I spend my time? This might seem trivial compared to the financial questions, but it’s equally crucial. Staying mentally and physically active in retirement is essential for your health. Do you plan to travel, volunteer, go back to school, start a business, or spend more time with family? Maybe it’s a mix. Either way, it’s your time now. Make sure to spend it in ways that bring you joy and fulfillment.
5. What kind of legacy do I want to leave? Not everyone likes to talk about this, but it’s an essential part of retirement planning. Do you wish to leave something for your loved ones or a cause close to your heart? This could affect how you save and invest during retirement. Estate planning, including creating or updating your will and setting up any necessary trusts, is key here. It can ensure your wishes are followed and could help your heirs avoid unnecessary taxes and legal complications.
So, there you have it. Five vital questions to help you navigate your retirement journey. Remember, there’s no one-size-fits-all answer to any of these, and your answers might change over time. That’s okay. The important thing is to start thinking about these questions and making a plan. And don’t hesitate to reach out to professionals like financial advisors or estate attorneys. They can provide valuable guidance tailored to your specific situation. Here’s to a happy and fulfilling retirement!
Bonus Tip: The most important thing about retirement is having a comprehensive plan that includes a foundation of safe money which covers financial stability, healthcare needs, and personal fulfillment. This ensures that you have the resources to support your lifestyle and take care of any unexpected challenges, while also making the most of this new stage of life. Planning for retirement is an ongoing process and should be regularly reviewed and adjusted as needed.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.
Understanding insurance can sometimes feel like you’re trying to decode a foreign language. But don’t worry! I’m here to help break down one type of insurance that’s important as we or our loved ones age – long term care insurance.
Starting with the basics, long term care insurance is designed to help cover the cost of services that assist with activities of daily living. These activities can include things like bathing, dressing, eating, or even moving around. The need for assistance with these activities could be due to aging, an illness, an accident, or a chronic condition.
It’s important to remember that long term care isn’t just provided in nursing homes. It can also be provided in your own home, in community centers, or assisted living facilities. In fact, a lot of folks prefer to receive care at home or in more home-like settings whenever possible.
Now, let’s get into how the insurance part works. When you purchase a long-term care insurance policy, you’ll pay a premium to the insurance company. This is usually a monthly or annual fee, just like with other types of insurance.
In return, if you need long term care services, the insurance company will pay a set amount towards your care. The amount they’ll pay and the types of services they’ll cover are outlined in your policy. Make sure you understand these details when you buy your policy!
One thing to note is that there is often an “elimination period,” or waiting period, before the insurance company starts to pay for your care. This could be anywhere from a few days to several months, depending on your policy. Think of it as a deductible, but instead of a dollar amount, it’s a period of time.
Also, just like most things in life, long term care insurance comes with limits. There might be a limit on how much the policy will pay per day, or there might be a total limit that the policy will pay over your lifetime. If the cost of your care goes over these limits, you’ll be responsible for paying the difference.
Here are a few tips about finding the right type of policy for your needs. Finding the right long-term care insurance policy is a very personal process that depends on many factors, such as your health, age, financial situation, and personal preferences.
Begin by evaluating your potential need for long-term care. Consider your current health status and family history. Do chronic or debilitating health conditions run in your family? What is your current lifestyle like? Are you physically active or do you have any habits that could affect your future health, like smoking or excessive drinking?
Next, consider your financial situation. The cost of long-term care insurance can be quite high, especially if you wait until you’re older to purchase a policy. Can you afford the premiums now, and will you be able to afford them in the future if they increase? Also, consider the other resources you might have to pay for long-term care, such as savings, investments, or family support. You may want to consult with a financial advisor to help you evaluate your situation.
Then, think about what kind of care you might want. Would you prefer to receive care at home for as long as possible, or are you open to receiving care in a facility, such as a nursing home or assisted living facility? The type of care you prefer can affect the kind of policy you should look for.
When comparing policies, pay close attention to the policy’s benefit triggers, which are the conditions that must be met for you to receive benefits. Most policies use a certain number of activities of daily living (ADLs) as a benefit trigger. The six ADLs are eating, bathing, getting dressed, toileting, transferring, and continence. Typically, if you need help with at least two ADLs, you qualify for benefits.
Finally, don’t rush your decision. Take your time to understand all the details of the policies you’re considering. And don’t be afraid to ask for help. A good insurance agent or broker who specializes in long-term care insurance can be a valuable resource in finding the right policy for you.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.
Assisted living is a type of housing option for seniors or disabled individuals who need help with daily activities but still want to maintain some level of independence. It’s a middle ground between independent living (such as in a private home or senior apartments) and more intensive care services like those found in a nursing home.
Assisted living facilities typically offer a range of services to support residents, including:
Personal Care: Staff members are available to help with personal needs like bathing, dressing, eating, and mobility.
Medication Management: Assistance with taking the correct medications at the right times.
Meals: Facilities typically provide three meals a day tailored to the dietary needs of their residents.
Housekeeping and Laundry: Regular cleaning and laundry services are often included.
Social Activities and Recreation: Assisted living facilities often have a full schedule of activities and events to keep residents active and engaged. These might include fitness classes, arts and crafts, games, movie nights, and outings.
Transportation: Scheduled transportation services may be provided for shopping, appointments, and outings.
Healthcare Services: While not a replacement for a full-time medical facility, assisted living communities often have healthcare professionals on-site or on-call.
Security: To ensure residents’ safety, assisted living facilities typically have security features such as 24-hour staff, emergency call systems, and safe, walkable areas.
In an assisted living facility, each resident typically has their own apartment or room, and common areas are shared. The goal of assisted living is to provide a supportive living environment where seniors can maintain a level of independence, while also receiving the personal care and support they need.
Please note that rules, regulations, and services provided can vary widely from one facility to another and from state to state. Some facilities may offer more advanced medical care, while others may focus more on providing a social and community environment. It’s important to research and visit facilities in person to determine the best fit for individual needs and preferences.
Finding the right assisted living facility for yourself or a loved one involves careful research and planning. Here are some steps to guide you through the process.
First, evaluate the level of care that you or your loved one requires. This could be based on a variety of needs such as medical conditions, mobility, dietary needs, and personal care needs.
Next, begin doing online research to find assisted living facilities in the desired location. There are many websites and online directories where you can find information about different facilities. You can usually filter by location, services provided, cost, and more.
In addition to online research, contacting local health departments or agencies on aging could prove useful. These organizations often have resources that can help you navigate the process of finding an assisted living facility. They may also have knowledge of financial assistance programs.
After you have identified potential facilities, the next step is to schedule a visit. During your visit, pay attention to the environment, the staff, and the residents. This can give you an idea of what daily life is like at the facility.
Checking the facility’s safety and quality standards is another important step. This might involve looking into state inspection records, any violation histories, or any complaints made against the facility.
Lastly, cost is a significant consideration when choosing an assisted living facility. Make sure to understand what is included in the cost, and if there might be any additional charges for specific services.
Remember, choosing an assisted living facility is a big decision. Take your time to research and visit multiple facilities, and always ask any questions you may have to make sure you’re making the best choice for you or your loved one’s needs.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.
Brian Long is a local business forecaster. Credit: GVSU
May’s survey of purchasing managers shows the West Michigan economy continuing to slow at a measured pace as key indices continued a month-to-month yo-yo pattern signaling uncertainty – and reason for optimism.
The Current Business Trends Report, authored by Brian Long, director of supply management research for the Seidman College of Business at Grand Valley State University, included upticks in areas like sales, output, employment and purchases in May after flat or lower results in April.
“Since we instituted this survey many years ago we’ve seen our numbers bounce around, and this month our bounce was to the upside,” Long said. “Our index of new orders came in much stronger than expected. But of course, one month does not make a trend. So when we add up June at the end of the month, the numbers we get may be a little bit less robust.”
Office furniture makers continue to report soft market conditions – though no major layoff announcements have been made. Meanwhile, automotive parts suppliers remain steady with backlogs and upside potential thanks to “reshoring” – or bringing manufacturing of certain parts that had been made overseas back to U.S.-based suppliers.
“This is where I think West Michigan is well positioned to pick up some additional business.” Long said. “The problem is, of course, reshoring in the industrial market takes time to identify and qualify new sources so it won’t happen overnight.”
Here’s a look at the key index results from May’s survey of West Michigan manufacturers:
New orders index (business improvement): +19 versus +0 in April
Insurance companies play a crucial role in our society, providing individuals and businesses with financial protection against unexpected losses. To do this, insurance companies collect premiums from policyholders. But what happens to your premium once it is paid to the insurance company?
Insurance companies don’t just store your premiums in a giant safe until they’re needed to pay claims. Instead, they put these funds to work by investing them. This practice is vital to insurance companies for several reasons.
Let’s break it down. When you pay a premium for an insurance policy, the insurance company pools your premium together with those paid by other policyholders. The pooling of premiums is the first step that allows the insurance company to spread out the risk of potential claims among many policyholders.
Now, these pooled premiums form a large amount of money known as a reserve. This reserve is there to ensure that the insurance company has enough money to pay out if a policyholder files a claim. But while this money is sitting in the reserve, the insurance company doesn’t just let it idle. They invest this money to generate income and to increase the value of the reserve.
Investment income helps to keep the insurance premiums lower than they would be otherwise. Without the income from investments, insurance companies would need to charge much higher premiums to maintain their financial stability and be able to pay claims.
So, how does an insurance company invest your premiums? They typically follow a conservative investment strategy because it’s essential to maintain the ability to pay claims even in unfavorable market conditions.
The investments of insurance companies are usually in the form of bonds, especially government and high-quality corporate bonds. Bonds are chosen because they are relatively safe compared to other types of investments and provide a steady income in the form of interest. Some part of their investments might also be in real estate, mortgages, and stocks, but these usually represent a smaller portion of the investment portfolio because they come with higher risk.
The specific rules and regulations about how insurance companies can invest their funds vary from state to state and are overseen by the state’s department of insurance in which the company is domiciled. These regulations are in place to ensure that insurance companies are not taking excessive risks with the premiums they have collected.
Insurance premiums are not just used to pay claims. Instead, they are carefully invested to earn income, helping the insurance company to remain financially stable and to keep premiums affordable. This prudent financial management is essential to ensure that the insurance company can honor its commitment to policyholders even in the face of large or unexpected claims.
Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or Register for Dave’s FREE Newsletter at 888-998-3463 or click this link: Dave Stanley Newsletter – Annuity.comDave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.
