AURORA VFW 2012 NEW YEARS DANCE!

SATURDAY DECEMBER 31 9PM - 1AM

Featuring Steve Mills & The Mills Run Band

$15 Couple $10 Single

Aurora VFW 222 Second St. Aurora, IN 812-926-1537

Business Directory
Lusby Construction
Concrete Kitchens Baths Painting All types of construction, repairs & home improvement Locally owned Aurora business 25+ years InSuReD & bonDeD

Customs Homes & Remodeling 24 Hour Storm Damage Repair

513-846-2427

Books on High
29 East High St., Lawrenceburg, IN

Over 30,000 used books for sale We can order books too!

Mattingly Photography
812-438-3182
Weddings Family Portrait / Reunions Sports Group Photos Special Events Commercial Photography
Over 20 years experience in quality photography

812.539.BOOK

Trade books for store credits

Closed Sun-Mon

See us on the webbobmattingly.com

Concord Square Apartments

Stop in and see our unique homelike atmosphere 114 Concord Square Drive (off Pribble Road) Lawrenceburg, IN

Mike White ConstruCtion

Specializing in Post Frame Bldgs
and K Buildings - Steel Primary/ Wood Secondary Residential - Agricultural - Lt. Commercial www.kbuildings.com 812.623.4488 Email:mwconst@nalu.net

537-4022

513-846-2427

& Foundation Repair

8-4

Waterproofing Decorative Concrete Foundation Cracks Sidewalks Driveways Drainage Garage & Basement Floors Over 20 yearS experienCe Free eStimateS 513-432-7659 812-432-8048
1309 Caldwell Dr., Dillsboro, in 47018

HARDWOOD FLOOR
SALES & INSTALLATION
Prefinished or Site Finished Dust Containment System Available
FLOORING CENTER
20 E. Center St., Lawrenceburg

REDWINE CONSTRUCTION
Residential Farm Commercial

Post Frame Buildings

Dillsboro, IN 812.432.5688

537-0619

Need a Helping Hand?

40 years of experience in providing a variety of home care and staffing services.
Family-centered approach to care Companions, Home Health Aides, RNs Services available 7 days a week Medicare certified; accept many insurance plans

Our caregivers are bonded, screened and insured

Southeastern Indiana REMC...

The Power of Human Connections
A Touchstone Energysm Cooperative

Across the Street. Across the Country.

www.interimhealthcare.com

(812) 537-5546

500 West Eads Parkway Lawrenceburg, IN 47025

In Home Assessment Available

Osgood, IN 47037 812-689-4111 800-737-4111

Lozier's Appliance Repair

For all your appliance repairs. Servicing ALL major brands including: Maytag, Jenn-Aire, Whirlpool, Kenmore, GE, LG, Amana & More! LOW, LOW PRICES!

STORAGE Dont Waste Your Space

Indoor Storage units from 5x10 to 10x30 Outdoor Storage for motor homes, campers and boats
Security Lighting, Cameras & Fencing
Rising Sun Store and Lock Smart Dr. Rising Sun

888-847-7009 shannonlozier@yahoo.com

CALL 24/7 - 812-496-0434

812-438-9659

Sunrise Enterprise Store and Lock Store and Lock East Bellview Ln. 9 McCreary Ridge Rising Sun East Enterprise

To Advertise on this page Please call 812-537-0063to speak to our ad reps!

A Message of Peace and Joy from our Fa mily to Yours.

Back Row: Jolene Winter, Robert Winter, Jack Wenning, Jim Dole, Rick Dole, Jim Rice Front Row: Gigi Winter, Kathie Brater, John Brater, & Lydia Winter

Brater Funeral Home 201 S. Vine St. Harrison, OH 45030 513.367.4005

Seifert-Hardig & Brater 138 Monitor Ave Sayler Park, OH 45233 513.941.1940

SAVINGS
TO LIST!

TOO MANY

* Valid on in stock items only. Not valid with other o ers or discounts. Prior sales excluded. December 2011 only.

To the Voters of Lawrenceburg

Dennis Carr - Mayor Jane Pope - District 1 Aaron Cook - District 2 Bill Bill Bruner - District 3 Mike Lawrence - District 4 Doug Taylor - Council at Large Charles Chuck Evans - City Judge

Have a Merry Christmas & A Happy New Year

the greatest gift you can give your loved ones is your safety.

Dont drink and drive this holiday season.

a message from your friends at 812.532.3538 or 812.537.5065 www.dearborncountycasa.com

Order flowers online

from your local florist or
& Florist

www.lawrenceburgflorist.net

call 812-537-3800

Dr. Steven J. Arnow

Dr. Michael L. Nordlund

Accepting New Patients Accepting Over 50 Insurance Plans SE Indianas Exclusive Subspecialty Eye Care Facility LAWRENCEBURG, 275 Bielby Road 812-537-4811 800-544-5133
Dr. Steven J. Arnow Comprehensive Ophthalmologist Dr. Michael L. Nordlund Cataract, Cornea & Refractive Surgeon Dr. Robert K. Hutchins Vitreoretinal Surgeon Dr. Jeffrey A. Nerad Oculo-Plastic Surgeon

Dr. Robert K. Hutchins

Dr. Jeffrey A. Nerad

NOTICE CITY OF GREENDALE

The City of Greendale, the Utility Office and Garage will be CLOSED to observe CHRISTMAS and NEW YEARS on the following days:

Friday December 23, 2011 Monday December 26, 2011 Friday December 30, 2011 Monday January 2, 2012
Normal garbage collection will resume on Tuesday, December 27, 2011, and Tuesday, January 3, 2012.
THE CITY STAFF WISHES YOU A MERRY CHRISTMAS AND A HEALTHY NEW YEAR!

 Sink Top Replacement Granite Laminate Solid Surface Residential & Commercial

Kitchen Refacing
For a Free Estimate Contact Dennis Halpin Over 40 years Experience

CUSTOM REFACING
customrefacingbydennis.com Cell 513-367-6596 513-638-6595

Dearborn County Recycling Center WILL BE CLOSED December 23 to December 26, 2011

We would like to wish all the residents of Dearborn County a Merry Christmas!

(812) 926-9963
www.dearborncountyrecycles.org

Dearborn Coun

December 30, 2011 to Janua ry 2, 2012 We would like to wish all the re Dearborn Cou nty a Happy N sidents of ew Year! www.dearbornc ou
ntyrecycles.org 812-926-9963

WILL BE CL

ty Recycling C

OSED

enter

Home Loan Interest Rates

3.471
3.25% Rate*

as low as....

% %

APR

15 Year Term

4.106
4.00% Rate*

APR

30 Year Term

GREAT RATES...FAST, FRIENDLY SERVICE... LOCALLY OWNED AND OPERATED... WHO COULD ASK FOR MORE!

Common Sense Banking Since 1901

New Haven Rd & Biggs Blvd 513-367-6111
* Rates as of December 19, 2011. Annual Percentage Rate (APR) is based on a loan for $100,000.00. Requires a 20% down payment on the purchase price or appraised value, whichever is less; otherwise private mortgage insurance (PMI) is required, which will increase the monthly payment. The 15-year loan requires 180 monthly payments of $702.67 and the 30 year-loan requires 360 monthly payments of $477.42.

Harrison Branch

Now for Holidays

Christmas Stollen and babies Springerlees REAL Fruitcakes Beehives Cookie Trays
German

Harrison Home Bakery

224 Harrison Ave. Downtown Harrison

www.harrisonhomebakery.com Open Tues.-Sun 513-367-6117 Closed Monday

WE WANT CANS
Best price on aluminum cans everyday guaranteed!

200 Industrial Drive Harrison, OH

513-202-1714

HAWK INSURANCE AGENCY, INC.

1006 Harrison Ave, Harrison 513-367-0084

Kevin Lyons Larry Lipps

HEBRON DISCOUNT LIQUOR

&

NOW OPEN M-T 10-10 F-S 10-11 SUN 11-7 (859) 586-8180

2091 North Bend Rd., KY I-275 to Hebron Exit 8, Turn Left, On your left next to Edwardos Pizza & Movie Gallery

TOBACCO
72
carton

Roll Your Own Section & Equipment!

Best Price Liquor 1.75

HUGE

$35.49/ $31.99/ $31.99/

$44.39/ $40.99/
GRIZZLY ROLL $10.99

carton

$40.49/ $45.99/

carton

carton

carton

carton

carton

Blend SKOAL Special ROLL $17.99 $35.49/carton

Barton $9.99 KT Tavern $15.99 Bacardi $23.99 Jim Beam $27.99 Captain Morgan Rum $25.99 Sky Vodka $27.99 Miller Lite $18.79 per CASE Bud Lite

BEST VALUE CIGARETTES NOW NOW ONLY PALLMALL WINGS KY BEST ONLY $31.99 KING MOUNTAIN WAVE $31.99

Gift Sets Available!

Prices subject to change

CALL AHEAD WITH YOUR ORDER - 859-630-2221

ITS HOCKEY SEASON! ENTER TO WIN TICKETS!

Heres how you play! Find 5 of the Cincinnati Cyclones hockey players names hidden in the classified section this week! Then list them on the entry form below, along with the classification number under which section you found them. Send the entry form complete with your name, address, phone, and email address to The Harrison Press, 307 Harrison Ave, P.O. Box 610, Harrison, OH 45030 or drop it off at our office.

ONE WINNER PER WEEK!

Name______________________________________________ Address __________________________________________ City, State, Zip ______________________________________ Phone ___________________________________________ Email ____________________________________________ 1. ___________ cls # ____ 2. ___________ cls # ____ 3. ___________ cls # ____ 4. ___________ cls # ____ 5. ___________ cls # ____

Prizes will be chosen by random drawing on a weekly basis and winners will be notified by phone. One set of four tickets will be given away per week for a total of six weeks beginning 12/19/11. Winners names will be published in the Harrison Press. Entry forms cannot be photocopied. Neither employees of The Harrison Press /Register Publications nor their immediate families are eligible to win. Contest sponsored by:

The Harrison Press

307 Harrison Ave., Harrison

and

1106A Stone Dr., Harrison

Hiatts Florist

Merry Christmas
We thank you for your confidence in us and wish you all the best at this time of year.

Holiday Worship
Harrison Avenue Baptist Church
1125 Harrison Avenue, Harrison, OH 513-367-4722 habconline.com Rev. Dan Rowland Saturday, December 24 Christmas Eve Candlelight Service 6pm Sunday, December 25 Christmas Day Service 10:30am

Corner of West & Dry Fork Rds, Harrison, OH 513-367-4990 Pastor Mike Barthel www.miamiwhitewaterumc.org Saturday, December 24 5:30pm Children & Family Birthday Party for Jesus 7:00pm Candlelight Worship Service Sunday, December 25 10:30am Worship Celebration

Miami Whitewater UMC

110 N. Hill Street, Harrison, OH 513-367-9086 Christmas Masses December 24, Christmas Eve 3:00pm (church), 3:15pm (gym), 6:00pm (church) December 25, Christmas 12:00 midnight (preceded by carols at 11:30pm) 8:00am, 10:00am, 12:00 noon (No evening Mass on Christmas Day)

St John the Baptist

Whitewater Crossing Christian Church

5771 St. Rt 128, Cleves, OH 513-661-5811 Senior Minister David Vaughan www.whitewatercrossing.org Christmas Weekend Worship Schedule Saturday 3:00pm, 5:00pm, 11:00pm Sunday 10:45am All four services will be identical with families sitting together.

9091 New Haven Road, Harrison, Ohio Lead Pastor Mark Larimer, 513-202-1222 Christmas Day Worship 10:15am 11:30am

CrossWay Community Church

LifeSpring Christian Church

803 E. Broadway, Harrison, Ohio Jeff Duerler, Minister 513-522-7707 Christmas Eve Service 6:30pm Christmas Day Service 10:45am

Come Home For Christmas

If you are an inactive Catholic, COME HOME! We love you and miss you! We want you HOME FOR CHRISTMAS! Come celebrate the Saviors Birthday with us. To those who belong to no church family, we invite you to join our family for Christmas.

ST. MARYS AURORA

Christmas Eve 5pm & 10pm Christmas Day 9am

ST. JOHN THE BAPTIST HARRISON

Christmas Eve 3pm, 3:15pm (gymnasium), 6pm & Midnight Christmas Day 8am, 10am & Noon Christmas Eve 4pm, 6pm & Midnight Christmas Day 11am Christmas Eve 4pm, 6pm & 10pm Christmas Day 9am
Promoted by Knights of Columbus - Aurora, Bright, Harrison, and Lawrenceburg.

ST. TERESA BENEDICTA BRIGHT ST. LAWRENCE LAWRENCEBURG

Harrison Knights of Columbus

Reception Hall, Picnic Grounds, Ball Field Weddings, Parties, Meetings Dances, Reunions
10490 N. State St. Harrison, Ohio Call 513-367-0367 Web Site: www.harrisonkofc.com

Bingo Every Friday 7PM

Lawrenceburg

Community Center
2012 Winter Program Schedule

Get fit this winter!

Ages 15+ $3 per class

Heather Carota Mondays 6p to 7p

Instructor

Winter Group Fitness Schedule

Mondays Wednesdays Yoga 8:15a - 8:50a Yoga 8a - 8:50a Body Toning 9a - 9:50a Body Toning 9a - 9:50a Stretch & Tone 10a - 10:50a Stretch & Tone 10a - 10:50a Silver Sneakers 11a - 11:50a Silver Sneakers 11a - 11:50a Fridays Yoga 8a - 8:50a Body Toning 9a - 9:50a Stretch & Tone 10a - 10:50a

Intro To Martial Arts

Students learn key movements from ancient Korean martial art of Tae Kwon Do. Martial Arts also teaches: Self Discipline Self Confidence Self Control Gain Self Esteem Be in better shape physically & mentally Learn about a world wide recognized Martial Art Students will also be familiarized with martial arts around the world. Class sign ups are ongoing. Register quickly limited space in the class only.

8 week beginner program

Ages 4 years through adult. $40 per 8 week session. First class is Wednesday, January 4, 2012 6p to 7p

Sign up now for COMPUTER CLASSES! Call for information.

PICKLEBALL
CLUB

Bob Ross Style

Oil Painting Class

Tuesdays & Thursdays Noon to 2:30p

Come swing a paddle with us. Well be happy to show you the game. Its easy to learn, fun and can be quite competitive. The game is played on a badminton-sized court with a net set at a 34 height. The ball is perforated somewhat like a whiffle ball and is struck with a paddle similar to an overgrown ping-pong paddle.

9a to 12:30p Jan. 7 & 21 Feb. 4 & 18

$10 per class
Instructor: Jay Stewart Ages 15 & Up
(under 15 with instructor approval)

Bring: 16x20 Canvas, Odorless Thinner, Small Coffee Can & Paper Towels

Adult Dance Class

Begins January 5

ONGOING YOUTH CLASSES!

YOUTH & PRESCHOOL DANCE FOR FUN YOUTH BALLET YOUTH & PRESCHOOL ACROBATIC & TUMBLING

GUITAR
BASICS
$80 for 8 weeks

Call now for details!

18 Basic Jazz No Experience Necessary 6 week course 6:15p to 7p

+

Beginners 6p to 6:55p Advanced 7p to 7:55p

Deadline Dec. 29

Lawrenceburg Community Center

423 Walnut Street | Lawrenceburg, IN 812.532.3535 | www.lawrenceburgcommunitycenter.com

LEE BROWN AUTO CENTER and FASTRACK TRAILERS

Guaranteed Bank Financing No Turn Downs Must Have Full Time Job & Social Security Number

NO PAYMENT TIL FEBRUARY! 513.367.1889 or 513.202.9500

10240 Harrison Ave, Harrison Ohio

A New U Salon
Ali Blackburn & Lauren Hetzer from A New You are moving to Roxyz Salon as of January 4th, 2012!

812-539-2500

The Education Center of Rising Sun offers two choices!

Are you looking for a career in the hospitality industry?

Work toward a degree in Culinary Art or Hotel & Motel Management

Earn College Credit Receive Certification Designed for the working professional Classes meet evenings

OR
The Skills, Tasks, and Results Training Program is a curriculum that covers 12 of the major line-level positions in the lodging industry and teaches the skills and tasks necessary to do each job.

START Certification

Belterra, Rising Star, & Hollywood Casinos!

(Hollywood, must be 21 years of age to apply)

A START Certification guarantees an interview with

Classes offered Tuesdays & Thursdays for 15 weeks. Choose between class times of 1 p.m. to 3:30 p.m. or 6 p.m. to 8:30 p.m.

Call now for more information on either program! Classes begin in January 2012!
Debbie Thomason, Education Center of Rising Sun
P.O. Box 170, 591 Smart Drive Rising Sun, IN 47040 (812) 438-2437 dthomason@occfrisingsun.com

The Education Center of Rising Sun offers two choices!

Are you looking for a career in the hospitality industry?

Work toward a degree in Culinary Art or Hotel & Motel Management

Earn College Credit Receive Certification Designed for the working professional Classes meet evenings

OR
The Skills, Tasks, and Results Training Program is a curriculum that covers 12 of the major line-level positions in the lodging industry and teaches the skills and tasks necessary to do each job.

START Certification

Belterra, Rising Star, & Hollywood Casinos!

(Hollywood, must be 21 years of age to apply)

A START Certification guarantees an interview with

Classes offered Tuesdays & Thursdays for 15 weeks. Choose between class times of 1 p.m. to 3:30 p.m. or 6 p.m. to 8:30 p.m.

Call now for more information on either program! Classes begin in January 2012!
Debbie Thomason, Education Center of Rising Sun
P.O. Box 170, 591 Smart Drive Rising Sun, IN 47040 (812) 438-2437 dthomason@occfrisingsun.com

OFFICE FURNITURE & EQUIPMENT Call LEE or JACK 513.367.1889

ONLINE MENUS

Looking for somewhere to eat? Go online: Its easy, just click the menus icon on the home page & scroll down & click on the eatery of your choice to view their menu.

www.thedcregister.com

Authentic Mexican Restaurant

Lawrenceburg Aurora 539-4112 Rising Sun 926-4116 438-4112

ACAPULCO

All U Can Eat Specials:

Thurs. - Ribs Sunday - Fried Chicken
215 Judiciary St. Aurora, IN 812-926-1166

9-Hole Course Pro Shop Restaurant

Just off Indiana 229 between Batesville & Oldenburg www.cricketridge.com

22087 Pocket Rd. Batesville, IN 812-934-6348

BOGO FREE
up to $7.00 w/coupon Sun-Thurs

1090 W. Eads Pkwy Lawrenceburg

812-537-0203
1 coupon per table. Alcohol not included. Not valid with other offers. Expires 12/31/11.

Located at the Lawrenceburg Fairgrounds, Agner Hall building. On US 50 directly across the road from Hollywood Casino, watch for the yellow & blue signs!! Directions: From I-275 take the Lawrenceburg Exit, turn west onto US 50 go approx. 1 mile & the Lawrenceburg Fairgrounds are located on your right side, across the road from Hollywood Casino.

Owens Auction Service - Agner Hall, Lawrenceburg, IN

Annual New Year's Day Antique Auction

Sun. Jan 1, 2012 10 A.M.

Furniture, Crocks/Stoneware, 200+ Coins, Churns, Quilts, Pottery, Toys, 100+ pcs. Costume Jewelry, Knifes, Clocks, Lamps
Auctioneers Notes: Bevs HOMEMADE food is back, so come enjoy! We would like to say thanks to all of our consignors for another great year! Merry X-mas & a Happy New Year!! Climate controlled building & restrooms onsite! Terms: Cash/Checks W/2 Proper IDs No Exceptions! Not responsible for accidents, omissions or errors. Announcements made the day of the auction will take precedence over any written material.

PREVIEW OF ITEMS WILL BE SAT DEC. 31ST FROM 5pm 6pm CHECK OUT AUCTION ZIP FOR PICTURES & UPDATES THIS IS ONLY A PARTIAL LISTING!!

Website: www.owensauctionservice.com or Email: huntingcabin47018@yahoo.com Home: (812) 432-3672 Cell: (812) 584-3097 Cell: (812) 584-3096

Auctioneer: Dennis Owens, Jr. AU #09200254

Holiday Gift Specials

parlourontheavenue.com
Visit our website:

Many residents of Dearborn County are already familiar with the wonderful care and services currently provided to our residents at Pine Knoll Assisted Living Center in Lawrenceburg. Now Pine Knoll is happy to offer ADULT DAY SERVICES to our community. For information, contact us at 812-537-4422 or visit us at 607 Wilson Creek Road, across the street from Dearborn County Hospital.

ADULT DAY SERVICES at PINE KNOLL

www.lawrenceburgchiropractor.com
812-539-2900

IMMEDIATE RELIEF!

Redi-Reference
& Crossword
Rising Sun Store and Lock Smart Dr. Rising Sun Enterprise Store and Lock 9 McCreary Ridge East Enterprise

NEAMAN FLORAL
Flowers For Any Occasion 438-2342 Rising Sun 1319 SR 262
Balloons Greenhouse Yankee Candles Virgil Neaman Owner

STORAGE Dont Waste Your Space

Indoor Storage units from 5x10 to 10x30 Outdoor Storage for motor homes, campers and boats
Security Lighting, Cameras & Fencing

812-438-9659

Sunrise Store and Lock East Bellview Ln. Rising Sun

All Work Completed On Site

Jewelry Sales Appraisals
425 Third Street, Suite 101 Aurora, Indiana 47001

C & J Jewelry

PORT ROYAL ROOFING

New Roofs, Tear Offs or Re-Shingle Metal or Shingle (No roof too big or small) Siding - Decks Pressure Washing Remodeling - Carpentry

Repairs Stone Setting

812-926-4002 www.CandJ-Jewelry.con

Ammon K. Stoltzfoos, Owner

Free Estimates

(812) 689-6197

Brad Henry Greg Hummel

Bev Koons

For all of your insurance needs and mores Home Farm Business Auto & High Risk Auto Life Health Iras Annuities Mutual Funds 401K Rollovers Package & Senior Discounts Available 204 Main St. Rising Sun 812-438-2630

Advertise here for just $12 per week

For information call Joe Grace: 812-537-0063 or 812-438-2011

Memory loss requires specialized care. Fortunately, thats our specialty.

FREE TRIAL Receive up to four hours of complimentary adult day services.
No obligation. Some restrictions apply.

Recognizing the symptoms of Alzheimers, dementia or other forms of memory challenges can be difficult. Knowing how to provide the proper care can be even harder. At RidgeWood Health Campus, our specially trained caregivers really understand the issues related to memory loss. We design programs that are sensitive to the needs of each individual and provide a host of daily activities designed to stimulate memories. Come schedule see a just personal how tour, good call life or can visit be. us To today.

CALL TODAY!

812-537-5700 181 Campus Drive Lawrenceburg, IN 47025 ridgewoodhs.com Located next to Dearborn County Hospital

FOR THOSE LAST MINUTE HOLIDAY GIFTS

Sunday, December 18th thru Saturday, December 24th, 2011

Check out our newly expanded tools selection

10% off all Craftsman tools

Save an extra

*Must present this coupon at time of purchase. Offer valid 12/18 thru 12/24/11 at select locations only.

AVAILABLE AT THIS STORE LOCATION ONLY

1015 W. EADS PARKWAY LAWRENCEBURG, IN 47025 PHONE (812) 537-0400

LAWRENCEBURG

Conservative Financial Solutions

Outliving Your Money Isnt An Option

Roger Ford

The perfect financial product gives you liquidity, safety, and growth. Unfortunately, the perfect financial product does not exist. There are primarily three investment worlds: the world of protection, the world of hybrid, and the world of potential. The world of protection gives you liquidity and safety, but not growth. The world of hybrid gives you safety and growth, but you give up some liquidity. The world of potential gives you liquidity and growth, but you give up safety. In order to get all three (safety, liquidity, and growth), you have to invest in all three. Good money management creates predictable results and this is true regarding how we manage money. When youre getting predictable liquidity as well as safety and rates of return on your serious retirement money, your financial planning success is more predictable. On the other hand, many Americans tend to simply follow the crowd and continue to put their retirement money directly into the market where its at risk. Their advisors have told them to hang in there with the promise of an average rate of return of double digits, but when taxes and inflation or market volatility strike, the returns are much more modest. Using Conservative Financial Solutions strategies, a person can see their serious retirement money safely accumulate tax advantaged with a predictable rate of return, even in the worst of economies. These strategies have worked for the past 30 years, including the ups and downs of the Lost Decade weve just been through. Since 1998, Conservative Financial Solutions strategies have included indexing as a means to prosper even during a down economy. Many financial advisors simply cant understand why anyone would consider capping their rate of return at a rate lower than what the market could go up to. But when you consider that the past decade saw the market make two major drops of 40% that will take years to make up, the reason for indexing becomes clear. Those who were using the indexing strategy didnt lose a dime during those precipitous down years. By not losing money, they wouldnt have lost ground they had to recover. The second the market began to recover, they got to enjoy the upside potential. Every year they made money, these investors using indexing got to lock in the gain. By contrast, for those putting their money in the market in growth mutual funds, the average investors rate of return according to DALBAR was only 3.83%. For many, its so easy to follow the crowd, to save for the future in traditional ways, and to hang in there waiting for a 12% market return on their money. If you averaged 12% on $100,000 that you had back in 1990-1991, youd have $1,100,000 today. But people just arent averaging 12% returns. Even if you had $1 million dollars in your nest egg, by the time you figure in the taxes youll have to pay when you start accessing it, youll really only have about $666,000 left. If you pull out $72,000 annually, youre only going to net $48,000 in a 33% tax bracket. More and more people are realizing that theyre not going to be in a lower tax bracket when they retire because theyve done away with all of their deductions and exemptions by the time they reach retirement. Also, Congress keeps raising taxes, inflation is around the corner, and market uncertainty is expected to continue. These three factors constitute the triple whammy that will threaten most peoples retirement nest egg throughout the coming decade. This is why its so critically important to have the proper strategies in place to address each of these threats. Your money must be able to accumulate, distribute, and transfer tax advantaged. Your savings vehicle should be tied to those things that inflate, so your money grows at a rate thats greater than inflation. Your money should be able to participate in any market upsides without being placed at risk in the market. Learn how to put each of these strategies to work by meeting with a Conservative Financial Solutions advisor today. Roger Ford is a local Registered Financial Consultant with Conservative Financial Solutions, LLC located @ Harrison Financial Center - 10403 Harrison Ave., Suite 100 Harrison, OH 45030-1941. Phone: 367-1113. Email: cfs@go2cfs.com Website: www.conservativefinancialsolutions.com

FREE
Service Call for Harrison Residents

513-

367-HEAT

$69 Value

SERVING INDIANA AND KENTUCKY RESIDENTS

Stephenson
DISABILITY SERVICES
Social Security Claims & Appeals No Fee Unless You Win
Village Square Center - Unit 0 220 Clifty Drive Madison, IN 47250

(812) 273-9701
Donna L. Stephenson Representative

www.stephensondisability.com

(toll free) 1-866-781-1133

AUCTIONS (3 HUGE DAYS)

Estates were hand picked and held for several months.

SUPER SELECT SALE!

ELITE SALE - 3 DAYS - SAME LOCATION

Location: Team Taylor Auction Gallery, 6672 South St. Rd. 62 (Chelsea area) Lexington, Indiana, between Charlestown & Hanover, Indiana.

WEDNESDAY THURSDAY FRIDAY DECEMBER 28 29 30 - 10:00AM

DAY 1: Exceptional antiques, Collectibles, Pottery, Glassware, Primitives - This is some sale! Everything from Sugar Chest, Cherry Jackson Press, Cormen Cupboards, Reds Buttermilk Dry Sink, Fancy High Back Beds, Bow Face China Cabinet, Two Bronze Statues, Pennsylvania Bread Box, Rare Double Sided Putnam Dye Box, Clocks, Jacksons Pull Toys, Toby Mugs, Stoneware, Kilby Pinball Machine, Quilts, 12 Pieces Roseville, Red Eperny Art including 5 al Corvettes (Shelbyville, Ky stamped engine oil) Real Shaker Boots Unbelievable! See Auctionzip.com for pictures and Complete Listing! DAY 2: 134 Outstanding Guns, Military Gun Collection, Sporting & Hunting Equipment, 100 Knives - Many Case - Antiques, Collectibles. DAY 3: 64 Top Quality Guns, Gun Related Collectibles, Yamaha Golf Cart, Many Box Lots! NOTE: SEE AUCTIONZIP.COM FOR PICTURES!

Brent Taylor AU 10800058 Mike Taylor AU 19800057

AUCTIONEERS 812-866-3264 812-599-8194

LEGAL NOTICE
The Board of Trustees of the Western Joint Ambulance District will hold their 2012 organizational meeting and election of officers on Thursday, January 5, 2012 at 5:30pm at the Western Joint Ambulance District Headquarters, 7998 Main St, Miamitown, Ohio. The 2012 appropriations will be presented at this time. Robert H. Grauvogel, Clerk, The Western Joint Ambulance District