Election 2009: Flagg Outlines ABCs for North Adams

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Brian Flagg
NORTH ADAMS, Mass. — City Council candidate Brian L. Flagg, released his thoughts on Friday on how to move North Adams in a more positive direction and create a community-focused and stronger city. He calls it the ABCs of North Adams.

In a press release dated Friday, Aug. 7, Flagg said, "While I recognize the city has moved in a positive direction over the last several years I do see some gaps we can close to make our community even stronger. These areas have been neglected for several reasons and it's time we focus our attention elsewhere in order to not only deliver the best for our citizens but to make them feel they are truly a part of the decision-making process.  The City Council has limited capabilities but can make a difference in how the community interacts with each other. My ABC idea is simple."

■ A (Assessment) – Help in organizing a group consisting of business leaders and citizens who will work to help identify and prioritize issues in the city that need to be addressed. On behalf of this powerful group of people, share those ideas with the mayor and the City Council and urge them to take action where possible.

■ B (Belief) – Through the group assessment process and subsequent action, help instill a belief within the community that the ideas matter to city leaders. There is a strong contingent in our city who don't believe they make a difference. This HAS to be one of the first steps in moving our city forward. If the citizens don't believe in it progress cannot be made.

■ C (Communication) – I will assist in making sure that any and all concerns expressed by members of this community are heard and communicated to the appropriate city leader. No matter how small or insignificant they may seem, the ideas our citizens have are crucial to the city's development. All too often in North Adams, ideas are put on the back burner or go unanswered. When this happens our residents lose faith in the process and in the leaders and then negative communication begins. Name calling and negative accusations result and nothing positive can come of that.

For too long we have been mired in negativity and unproductive communication. Before anything positive can happen, we need to come together as a city and have positive input and dialogue from everyone involved. Through my ABCs, I strongly believe we can make a positive impact on the future of this city.
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Time for Some Financial Spring Cleaning

Submitted by Edward Jones

Spring is officially here – and for many of us, that means it's time for some spring cleaning around our homes and yards. But why stop there? This year, why not do some financial spring cleaning, too?

You can apply some of the same principles of traditional spring cleaning to your financial environment. Here are a few suggestions:

• Clear your vision. Spring brings extra hours of sunshine – and to enjoy them, you will want to clean your windows, inside and out. As an investor, you also need to take a clear-eyed view of your situation periodically. Are you on track toward achieving your goals? If not, what moves can you make to get back on the right path? You need to be honest with yourself to see if you’re doing all you can to help make progress toward your objectives.

• "De-clutter" your portfolio. As you go about sprucing up your house, you may find that you have a lot of clutter. Do you really need three mops? And are you holding on to those old calendars for any good reason? You probably will feel much better about your surroundings when you de-clutter them – and the same may be true of your investment portfolio. For example, do you own several investments that are virtually identical? If so, you might want to consider ways to help diversify your holdings. While diversification can't guarantee profits or protect against losses in a declining market, it might help reduce the impact of market volatility on your portfolio.

• Recharge your batteries. When you do your household spring cleaning, you may want to check the batteries on your smoke alarm, carbon monoxide detector and other devices. And as part of your financial spring cleaning,you might need to recharge your own investment "batteries," so to speak. In other words, increase the power you are providing to your portfolio. You can do this in a few different ways. First, you can increase your contributions to your 401(k) or similar retirement plan every time your salary goes up. You can also try to "max out" on your IRA contributions each year. (For 2020, you can put in up to $6,000 in an IRA, or $7,000 if you’re age 50 or older). Another way to increase your investment voltage is to make sure you have got adequate growth potential in your portfolio based on your goals and risk tolerance.

• Put your house in order. As part of your spring cleanup, you may want to check for damage on your roof, windows, siding and so on. But you also need to put your financial house in order, especially as it regards to protection. Do you have adequate life insurance? If not, your family could suffer if something were to happen to you. And have you thought about how you could pay for long-term care if you needed it? The average annual cost for a private room in a nursing home is about $100,000, according to the insurance company Genworth. To retain your financial independence – and also to help protect your grown children from possibly having to deal with these costs – you may want to explore some type of long-term care insurance.

By doing some spring cleaning around your home, you will lighten up your living space. And doing some financial spring cleaning may help you brighten your future.

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