MARCH 2010

GOOD TIMES
Inside:
FREE

•A Unique Comic Book Convention

•Trivia, Fun Facts and Much More
A Night at
the museum
History comes alive in the Marion Co. Museum

BOOMER
MEMORIES
•TRIVIA
•FINANCIAL ADVICE
•AND MUCH MORE
Contents
4....THOSE WERE THE DAYS...
Birthday Trivia
1. I was born on March 22, 1952 in Queens, New
York. I am an American sportscaster that has
been a commentator for almost every major
GOOD
TIMES
Vol. 5 No. 6
Don Hemple, Publisher
THE “REAL” JAMES BOND sporting event over the years, from horse rac- Nancy Spencer, Editor
ing to hockey. I was a co-host on “Inside the A monthly publication for
5....”I DIDN’T KNOW THAT!” NFL”. Who am I? Allen, Auglaize, Putnam,
Logan, Mercer and Van Wert Counties.
2. I was born March 25, 1943 in Cambridge, For editorial information:
6....A NIGHT AT THE MUSEUM Mass. in Brooklyn, NY. I am best known for Nancy Spencer: 1-800-589-6950 Ext. 134
playing the part of Detective David Starsky on Email - nspencer@delphosherald.com
Marion County Museum offers the 1970s television series Starsky and Hutch;
For advertising information:
something different Who am I?
1-800-589-6950
Marilyn Hoffman Ext. 131
7....ASPIRING CARTOONIST? 3. I was born Mar. 26, 1969 in San Diego. I am
Stacy Prine Ext. 129
a former American football player and game
Take a trip to S.P.A.C.E analyst. I was a running back for the Univ. of
Stephanie Hoersten Ext. 128

8....INFAMOUS QUOTES Southern California, Los Angeles Raiders and A DELPHOS HERALD
the Kansas City Chiefs. I was inducted into PUBLICATION
9...MOST COMMON TAX PAYER Pro Football Hall of Fame in 2003. Who am I? 405 N. Main St.,
Delphos, Ohio 45833
MISCONCEPTIONS 4. I was born on March 6, 1959 in Ottumwa,
10...IN THE SAME BOAT - PUPPY LOVE Iowa. I am an American actor and comedian. I
was a writer on the the “Roseanne Barr Show Birthday trivia answers
11...NEW TAX RATES COULD CREATE and was married to it’s star. I also was in 1. Bob Costas 3. Marcus Allen
motion pictures, including “True Lies”. Who 2. Paul Michael 4. Tom Arnold
NEW OPPORTUNITIES am I? Glaser

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March 2011• GOOD TIMES – 3
 Those Were The Days
The “REAL” James Bond
James Bond 23. That is the
name of the newest installment of
the very successful James Bond
spy thriller movies. The new mov-
ie is officially in production and
is scheduled for release in Novem-
ber 2012, just in time for the first
James Bond film’s 50th anniver-
sary.
That is hard to believe that it
was 50 years ago that Dr. No star-
ring Sean Connery would be the
beginning of one of the most suc-
cessful series of films in history.
But what about the James Bond
before the movies. Who started
this phenomenon and where did
his fantastic ideas come from?
The James Bond 007 character
was created by writer Ian Fleming,
who featured him in twelve novels
and two short story collections.
Fleming was a journalist born
in 1908 in England. As a young
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4 – GOOD TIMES • March 2011
adult Fleming set his sights on the
don Times to return to the Soviet
foreign service exam, but to his Union to report on a trade mission.
grave disappointment did not makeIt appears that Fleming, in fact,
the grade. Following in his broth-
was all the time spying for the For-
ers footsteps, Fleming became a eign Office.
journalist, joining Reuters. As a In May of 1939, Fleming start-
reporter he was very successful at
ed a more formal attachment to the
covering a spy trial in Russia. intelligence service, working with
Although writing was his firstNaval Intelligence. Soon, he was
love, Fleming came to realize that
full-time assistant to the director,
journalists do not make a lot of taking the rank of Lieutenant, and
money. He left Reuters and joinedlater Commander. Fleming be-
a banking firm. Fleming’s love ofcame the right-hand man to one of
the off-beat and simple elegance Britain’s top spymasters, Admiral
impressed his friends. High-stakes
John Godfrey.
bridge games, elaborate meals and The war was good to Fleming,
indifferent romances filled Flem-tapping his imagination. Flem-
ing’s off-work hours. ing schemed, plotted, and carried
By 1939, it appears Fleming out dangerous missions. Fleming
had become bored with the plod- tossed out a myriad of off-beat
ding day-to-day existence of a ideas on how to confuse, survey,
banker. In 1939, Fleming oddly and enrage the Germans.
took on an assignment for the Lon- During the last year of the war,
Fleming traveled to Jamaica for
a Naval conference. Fleming fell Ian Fleming
in love with the island and this is
script for Casino Royale, the first reer paths (both rising to the rank
were Ian Fleming created James
of his James Bond epics, Fleming of naval Commander). They also
Bond in 1952 while on holiday at
allowed his friend, later his editor, shared similar height, hairstyle,
his Jamaican estate, Goldeneye.
poet William Plomer to read it. and eye color. Others say he gath-
The hero was named after the
Plomer liked it and submitted it to ered some background and stories
American ornithologist James
publisher Jonathan Cape, who did from the adventures of the “Ace of
Bond, a Caribbean bird expert.
not like it as much, but finally pub- Spies” Sidney George Reilly.
Of the name, Fleming once said
lished it in 1953. Fleming shared a philosophy
in a Reader’s Digest interview,
Most researchers agree that with James Bond which was very
“I wanted the simplest, dullest,
James Bond is a romanticized evident in every book he wrote.
plainest-sounding name I could
version of Ian Fleming, himself a and somehow surmises them both.
find, ‘James Bond’ was much bet-
jet-setting womanizer. Both Flem- “I have always smoked and
ter than something more interest-
ing and Bond attended the same drunk and loved too much. In fact
ing, like ‘Peregrine Carruthers.’
schools, preferred the same foods I have lived not too long but too
Exotic things would happen to
(scrambled eggs, and coffee), much. One day the Iron Crab will
and around him, but he would be
maintained the same habits (drink- get me. Then I shall have died of
a neutral figure — an anonymous,
ing, smoking, wearing short-sleeve living too much.”
blunt instrument wielded by a gov-
‘Ace of Spies’ Sidney Reilly ernment department.” shirts), shared the same notions of Look for more about “James
may have been an inspiration for the perfect woman in looks and Bond” in next month’s Good
After completing the manu-
James Bond. style, and had similar naval ca- Times.
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 “ I Didn’t Know That” is based on the best selling book, “I Didn’t Know That”
(Scribner, 2007). Karlen Evins offers a lighthearted yet enlightening look at phras-
es and expressions that color our language. Learn the stories behind such phrases
as Ants in the Pants to High on the Hog...Dressed to the Nines to why we say “God
Bless You” when you sneeze. A conversation starter sure to Fill the Bill! Informa-
tive, educational AND fun, this clever column will have you smiling and saying “I Didn’t
Know That” before it’s all said and done.
PUTTIN’ ON THE RITZ
Dear Karlen,
Can you do an article explaining the
meaning of “putting on the ritz”? This isn’t
about crackers is it?
Thanks.
David
Dear David,
Questions like these make my day!
Whether you’re putting on the Ritz or
just being ritzy, you know it’s an important
person when a name becomes an expression
unto itself.
Such is the case with Cesar Ritz, the
Swiss restaurateur and hotel magnate who
built the famous Ritz Hotel in Paris in 1898.
Known for his upscale decor and one strict
standard of excellence, Ritz earned the rep-
utation of being the greatest hotelier in the
Western world. Once Ritz hotels were es-
tablished in London, New York and a hand-
ful of other prestigious cities, ritzy became
synonymous with anything expensive, high
end and classy.
Picking up on the theme, Irving Berlin
penned the ever popular “Puttin on the Ritz”
in 1929, for the musical film by the same
title. (However, the greater performance
of this song comes out in 1974 in the Mel
Brooks’ comedy Young Frankinstein.)
While the word ritzy today ranges in
meaning from fancy to snobbish, putting on
the Ritz is still the buzz phrase for pulling
out all the stops.
Far as I know there is no family con-
nection between the Ritz Hotel and Ritz
crackers. Instead, I’m told Ritz crackers
(introduced in 1934 by the National Biscuit
Company, also known as Nabisco) were so
named to give a touch of glamour at a time
when food was barely affordable, much less
classy, (which is to say, in the Depression
era).
While I do not know for sure if the
cracker itself ever made its way into the fine
restaurants of the Ritz Hotel chain, it is re-
ported that they did make the grade at the
infamous Waldorf-Astoria Hotel where they
are still served today.
WINDFALL
Perhaps it’s my age. Perhaps it’s just life.
But strangely, last week found me process-
ing with two different friends, the emotional
challenges of probate (i.e. the distribution
of a will). In both cases, it was a final par-
ent’s passing that left personal belongings
to be divided among siblings, the challenges
for which even Solomon in all his wisdom
would be hard pressed to resolve.
At issue in both cases were certain (shall
we say) “philosophic differences” regarding
the distribution of funds, and the speed (if
not greed) at which certain siblings wanted
their cash.
Prompting my curiosity, I researched
the word “probate” and traced it back to the
Latin word probatus which means “a thing
proved.” But far more fun was tracing the
word “windfall” (which is what some were
viewing this “lottery by death”) …and the
true, if not folksy story that gave us the
word.
One story for windfall, (synonymous
with unexpected fortune or gain, otherwise
unearned), has its roots in colonial times.
Story has it that the crown forbade colonists
from using lumber any wider than a foot,
unless, by an act of God (such as a lighten-
ing strike to a tree), something larger was
unearthed for the taking. In other words, if
Why do we say.....
“Puttin on the Ritz”
and “Windfall”
a storm left a tree across your lot, you were were knocked to the ground, the wood (be
free to sell its wood, in lots, otherwise larger it firewood or usable lumber) was free for
than current market standards. the taking.
An earlier story, however, traces to me- Either origin works for a word literally
dieval England where commoners were not tied to the winds of fate. Why it’s not coined
permitted to cut trees at all. Yet if by act “God-fall” I shall never know, but the his-
of God, branches, or trees in their entirety tory is no less fascinating.
s t
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March 2011 • GOOD TIMES – 5
A different way to explore history.... spend a
A NIGHT AT
THE MUSEUM
On March 25th and 26th from
7 PM to 9:30 PM, the Marion
County Historical Society, Marion,
Ohio, will host “A Night at Heri-
tage Hall”. It will be two fun-filled
evenings of self-guided flashlight
tours throughout the museum, a
historic 1910 Federal Post Office.
The event was inspired by the
movie “Night At the Museum”
where good-hearted dreamer Lar-
ry Daley (Ben Stiller) is hired as
night watchman at the Museum of
Natural History and discovers that
all the exhibits come to life after
the sun sets.
For hardy adventurers who
take the opportunity to experience
Marion County and Ohio history
it will be an exciting night with
surprises around every corner! In-
trepid explorers will find over 50
characters each night.
Visitors will meet citizens and
soldiers from the Civil War and
WWII eras. They will have the
opportunity to discuss the Ohio
frontier with a few settlers who
just want to survive the best they
can, converse with a president or
two, meet a young beautician who
barely missed traveling on the Ti-
tanic and learn why Tom Lyons
was one of the most feared Native
Americans in the area.
Among the highlights from last
Rebecca Aye had the first school in Marion County. She was hold- unteers who help make the event
ing class that visiting children were able to attend.
6 – GOOD TIMES • March 2011
The Guthery General Store
shopkeepers will be hard at work
selling penny candy to visitors and
Rebecca Aye teaches subscription
school in her cabin while strug-
gling to contain her busy toddler.
In the industrial exhibit Scioto
Ordnance employees tell the story
of WWII efforts back home, Ed-
ward Huber discusses his many
contributions to Marion Industry,
a milkman sold milk and Mike the
Tool Guy dispensed tools from the
tool crib.
In the upper level Samuel Sait- If you would like to become night) or purchase tickets online
er carries on his undertaking busi- more involved at Heritage Hall, at http://www.marionhistory.com/
ness while a grave sitter watched there are many volunteer opportu- whats_happening.
for “resurrectionists”. Phillip Phil- nities open. For more info call the More information can be ob-
lips, child prodigy singer and hymn Marion County Historical Society tained by calling the Marion
writer, tells folks of his humble at 740-387-4255 or email mchs@ County Historical Society at 740-
upbringing and Clarissa Francis, marionhistory.com. 387-4255. The pre-registration
a Waldo millinery, sells her hats. To register your family or deadline is March 23. Registra-
Annie Anderson, 1862 resident of group for one of the flashlight tion is limited so don’t delay call
Marion, collected goods for the tours, send your check or money today!
U.S. Sanitary Commission while order to NAHH Heritage Hall, 169
Ken Cramner tells visitors of mak- East Church Street, Marion OH Photos courtesy of MCHS pho-
A revolutionary war soldier ing sodas during his days as a soda 43302 (be sure to specify which tographer Jim Carpenter.
stands ready to greet visitors. jerk and simultaneously tried to
evict Phyllis Hendrix, a flapper
year and some things visitors may who had taken up residence at his
look forward to this year: In the soda fountain.
lower level Florence Harding and Only at “A Night At Heritage
Carrie Phillips discuss Warren G. Hall” could visitors meet Bert Bo-
Harding while Marion Daily Star wen who regaled them with his
Newsboys sold papers under Flor- tales of riding with General George
ence’s supervision. Armstrong Custer, converse with
Trella Hemmerly Romine about
the origins of Hemmerly’s Flow-
ers and then visit with President
William Mckinley. Meanwhile,
Ulysses S. Grant spent his time be-
tween politicking and explaining
himself to the Union soldiers from
the 121st Ohio Volunteer Infantry
who were imprisoned at Ander-
sonville and were under guard by
a Confederate Soldier.
Visitors also had the opportu-
nity to speak with Tom Lyons, a
notorious Delaware roaming the
area and then met a more peace-
loving man in the person of Solo-
mon Journeycake.
The Marion County Historical
Society would like to thank the
many “characters” and other vol-
Solomon Journeycake, a minister and chief of the Delaware
so successful. Indians, speaks of his life in the frontier of Ohio.
 ARE YOU AN ASPIRING CARTOONIST?
Take a trip to S.P.A.C.E.
Have you ever found yourself doodling
or creating crazy characters on scrap paper
at home? Do you fill time your time while
waiting on the phone or in a doctor’s of-
fice drawing fun things or characters. Ever
draw super heroes or animals that can talk or
strange looking aliens? Maybe comic book
drawing could be your next hobby.
“S.P.A.C.E.” (Small Press & Alterna-
tive Comics Expo) may just be what you are
looking for.
Now in its 12th year, S.P.A.C.E. is the
midwest’s largest exhibition of small press
and creator owned comics. Sponsored by
Back Porch Comics, the show will be held
on March 19th and 20th at the Ramada Hotel
and Conference Center, Columbus, Ohio.
Want to learn more about comics? Want
to speak in person to some who have man-
aged to make a living at the art, or maybe
you just want to spend a fun filled day look-
ing at some original works from some very
imaginative people.
Small press comics are generally self-
published works with small circulation and
a goal of exposure over profit. Most small
press comics creators are aware that their
properties are unlikely to end up on the pag-
es of any large newspaper, but that’s part of
the charm of these “Do It Yourself” publica-
tions.
Part of the fun of the show is watching
exhibitor’s work blossom over the years.
Some continue on with cartooning. Some
move on to gallery work. Some go to work
for the ‘mainstream’ crowd.
You never know what you’ll find at
S.P.A.C.E. - a new favorite or an old one.
Multiple genres will be represented. The Showing off some of his creations, this budding cartoonist and many others are
show has creators just starting out. As well anxious to share ideas.
as creators who have been working on their
can draw on) and access to a photocopier. have an understanding of what it was like
craft for quite some time. Pro... amateur...
You can do amazing things with one for those early comics pioneers who had to
the common thread is they’re all creating
sheet of photocopied paper. Folded several deal with poor printing quality.
their own thing and welcome you to explore
times, you’ve got an eight page comic. At So...draw your comic, get it out there.
and enjoy.
the very least, by finding out what photo- Make mistakes. Find out what works. Come
Advise from comic vet-
copiers end up doing to your artwork, you’ll and have a great time at S.P.A.C.E.
erans: If you have a story

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LIMA
titches March 5th Pineapple quilt with Carolyn Owens.
A Quilt-in-a-Day pattern that is easy to use with scraps or with new fabric. 2115 Allentown Road
March 10th Sit and Stitch 7-9 pm
Come join us for an easy night of camaraderie and progress on your latest project (Next to Kewpee)
Located at:
2696 Greely Chapel Rd.,
March 14th Julie Lambert’s Machine Quilting Club
Julie joins us to help you on your latest quilting project. Get layout advice, quilting
Ph. (419) 229-1040
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March 2011 • GOOD TIMES – 7

 “Everything that can be invented –
Johnston has already been invented,”
Travel and other “infamous” quotes...
By Paul Neimann
This (in)famous quote has long been at-
EXPECT THE MOST WHEN tributed to the commissioner of the United
YOU TRAVEL WITH THE BEST States Patent Office, a Mr. Charles Duell,
back in 1899, and it’s one of my personal
2011 Schedule favorites. Since the patent office opened in
1790, it has registered more than 6.2 million
patents.
•Wed., March 30 - “#1 HITS OF THE When I called the patent office in an at-
60’s” - Meal included - Eastlake, Ohio - You’ll see a fast-paced, high- tempt to verify the accuracy of this quote,
energy show from Branson, MO, that captures the heart and soul of this the lady on the other end of Mr. Bell’s in-
era through a colorful tapestry of music and dance. vention told me that the commissioner was
misquoted when he said that. Whether or not
•Thurs., April 7 - ‘WHISTLING she was being honest is anyone’s guess; you
really couldn’t blame her if she was simply
GOOD TIME IN THE CAPITAL towing the company line in order to avoid
CITY’ - Columbus, OH - Visit the embarrassment.
only metal whistle factory in the Either way, the jury is still out on whether
United States. Eat lunch at Schmidt’s the former patent commissioner is an early
inventor of the art of being misquoted. Sur-
in German Village. Have other stops prisingly, though, this wasn’t the first time
before leaving. someone had made such a remark. In 10
A.D., Roman Engineer Julius Sextus Fronti- – putting Babe Ruth in right field full-time.
•Tues. April 12 - “CHURCH nus said, “Inventions have long since reached The possibility of the Babe once being a
their limit, and I see no hope for further de- pitcher sounds pretty crazy, doesn’t it?
BASEMENT LADIES II - A About as crazy as the former patent com-
velopments.”
SECOND HELPING” - Stranahan missioner saying that, “Everything that can
Theater - Toledo, Ohio - A second helping of the musical comedy This began a long line of infamous inven- be invented – has already been invented.”
“Church Basement Ladies”. Be prepared to laugh! Meal included tion-related notable quotables, such as:
While no one wants to claim credit for
•Wed., Apr. 20 - “International Tour of Cleveland” - A such ridiculous quotes as those mentioned
•“That’s an amazing invention, but who
above, there are some memorable quotes
local step-on guide will lead us on this special international & historic would ever want to use one of them?”
worth claiming. Do you know who said each
tour of Cleveland that will combine culture, food, history to give every- ...President Rutherford B. Hayes in 1876,
of the following quotes? The answers are
one a unique view of the rich tapestry of culture & heritage that makes after Alexander Graham Bell demonstrated
shown below:
the telephone to him at the White House.
Cleveland.
1. “Necessity is the mother of inven-
•Tues.-Wed., April 26-27 - “MYSTERY TRIP” - Everyone •“There is no likelihood man can ever tap tion.”
the power of the atom,” 2. The patent system “added the fuel of
will enjoy this special trip. Not a casino. Includes one night lodging & 3 ... Robert Milken, Nobel Prize winner in interest to the fire of genius, in the discovery
meals. physics, 1923 and production of new and useful things.”
Hint: He was a U.S. President who did some
•Sat., April 30 - ‘THE OLD •“Heavier-than-air flying machines are inventing of his own.
ROAD DINNER TRAIN” - impossible,” 3. “Anything that won’t sell, I don’t want
...Lord Kelvin, President Royal Society, to invent. Its sale is proof of utility, and util-
Blissfield, MI - This train offers
1895 ity is success.”
entertainment & fine dining on
Michigan’s only 5-star rated din- 4.“A country without a patent office and
•“Who the heck wants to watch movies good patent laws ... couldn’t travel any way
ner train. During the 3 hour with sound?” but sideways or backwards.”
round trip diners are served a Who said this? Believe it or not, it was 5. “People think of the inventor as a
5-course meal while the train the president of Warner Brothers Studios, screwball, but no one ever asks the inventor
becomes a rolling crime scene. Harry Warner, sometime around 1918. what he thinks of other people.”
… and one of the all-time favorite infa-

Call 419-423-9160
mous baseball quotes …
•“Ruth made a grave mistake when he
gave up pitching. Working once a week, he
For a detailed itinerary on any of these tours or a complete schedule.
ANSWERS:
1. Ralph Waldo Emerson is often credited
with this quote, but the 17th and 18th century
playwrights William Wycherley and Richard

JOHNSTON TRAVEL
might have lasted a long time and become a Sheridan both made variations on this phrase.
great star” Emerson actually said, “invention breeds in-
... Tris Speaker on Babe Ruth’s future, vention.”
1921. 2. Abraham Lincoln
12657 C.R. 8, Findlay, OH 45840-9268 While this quote doesn’t deal directly 3. Thomas Edison
with inventions, it does relate to a new idea 4. Mark Twain
5. Charles Kettering
8 – GOOD TIMES • March 2011
 Most common taxpayer misconceptions
WASHINGTON, DC (Feb-
ruary 16, 2011)—A recent
informal poll of enrolled
agents (federally- licensed
tax practitioners) revealed
many common misconcep-
tions among taxpayers. At
the top of the list were:
“I had a really big loss in
the stock market this year,
so I won’t owe any income
taxes.” Deduction of capital
losses against ordinary in-
come is limited to $3,000.
Also incorrect: “I traded
some stocks and have a loss/
didn’t make any money, so By JoAn
there’s no need to report
those sales.”
“They paid me in cash and I don’t have to
report that, right?” If it’s income, you must
report it.
“I’m too young/too old to have to pay
taxes.” Even your dependent high schooler
has to file a return after earning income
over $5,700. And, Uncle Sam may still be
interested in your return after you’re dead.
A personal representative of the decedent is
required to file a tax return and the estate tax
when due.
“If I didn’t receive a document about it, it’s
not taxable.” A good preparer will provide
you with a checklist that reveals missing
documents, but too often taxpayers who are
preparing their own returns or dealing with
an unlicensed preparer will fail to include
important information simply because they
missed something in the mail, or because
the document was never mailed.
“Income earned in a foreign country is not
taxable.” Taxpayers are required to report
all earned income to IRS, no matter where
it was earned.
“You don’t have to report gambling in-
come, and besides, I lost.” Gambling losses
do not net out against income. For the non-
professional gambler, income goes on page
one of Form 1040; the losses go on Sched-
Quality
Fabrication & Welding Inc.
419-339-0110
GENERAL REPAIR - SPECIAL BUILT PRODUCTS
TRUCKS, TRAILERS
FARM MACHINERY
RAILINGS & METAL
GATES
ule A and are not subject to
the 2% floor, but cannot be
greater than the winnings.
Therefore, the “net” sheets
many casinos provide indi-
vidual taxpayers are worth-
less.
“Income from my hobby
can’t be taxable.” The oper-
ative word here is “income.”
It’s taxable.
One of this year’s wid-
est-spread misconceptions
came in the wake of the IRS
announcement that employ-
Smith, EA ers must now report medical
insurance paid for employ-
ees. Duped by a viral email,
taxpayers across the country mistakenly
believe that medical insurance must now be
reported as income and taxed. Not true. The
expense will be reported on the W-2, and
not added to income.
Finally, a lot of taxpayers hold miscon-
ceptions regarding paid preparers. The no-
tion that all tax preparers do is fill out forms
neglects the real value of a paid preparer:
they keep up with myriad tax laws and reg-
ulations and have the expertise to know how
to apply these rules for your benefit.
And, no matter who prepares your taxes,
you are the one who is legally responsible
for what’s on your return, making it a dou-
bly good idea to hire a licensed preparer.
YOUR RETURN DESERVES
This brings us to one more misconcep-
tion: that all return preparers are federally
licensed. In fact, the only federally-licensed
NOTHING LESS THAN OUR
tax practitioners are enrolled agents (EAs),
who must pass competency testing and a OVER 5 DECADES OF
background check and complete annual
continuing education requirements. To find
an EA in your area, go to the “Find an En-
TAX EXPERTISE.
rolled Agent” directory at www.naea.org. At H&R Block, we believe you should never have to settle for anything less than the best tax
preparation. That’s why we require our tax professionals to take more than 84 hours of
###
About the National Association of Enrolled Agents specialty tax training. And then require them to pass hours of continuing education on all of the
(NAEA): NAEA is a non-profit membership
organization composed of tax specialists licensed by tax law changes each year. So you can feel confident you’re claiming every credit you can and
the US Department of the Treasury. taking advantage of every deduction you have coming.
Never settle for less.§
Call or visit us now.
hrblock.com | 800-HRBLOCK
©2010 HRB Tax Group, Inc.
¶If you discover an H&R Block error on your return that entitles you to a smaller tax liability, we’ll refund the tax prep fee
for that return. Refund claims must be made during the calendar year in which the return was prepared.
CARBON STEEL
STAINLESS STEEL
WE SPECIALIZE IN MORE COMPLEX RETURNS
ALUMINUM JoAn M. Smith EA, CFP, ATA, Franchise
227 N MAIN STREET
Larry McClure DELPHOS, OHIO 45833
Phone: 419-692-1621
5745 Redd Rd., Delphos Mon-Fri 9:00 am to 9:00 pm
Sat 9:00 am to 5:00 pm
March 2011 • GOOD TIMES – 9
 In the Same Boat

My husband just an-

Puppy Love teenagers, I’d say My husband was a different
nounced that he bought we passed the test). story.
a new bed. This ran- Our dogs have You see, buying this puppy was
dom act caught me by always been hefty a random act that caught him by
surprise. I had no idea cocker spaniels, or surprise. He had no idea I was go-
he was going to do this even heftier Lab- ing to do this and I did not consult
and he had not con- rador Retrievers— with him. We had made no joint
sulted me. We had not mostly outside dogs visits to the pet store or the humane
made any joint visits that swam in the society and we hadn’t searched
to the furniture stores, pond, romped in any newspaper ads together. So he
nor had we searched the woods and slept voiced his protest: “We don’t need
through any catalogs in crates. We were a dog that fits in a purse!” and “It
together. I was just busy with our chil- looks like a dust bunny!”
about to voice my pro- dren so the dogs, However, at about the same time,
test when he jumped in while loved and our son went away to college. They
and told me to relax: cared for, were in say when you begin empty-nesting
the bed is not for us. the background. But and your children leave home, you
It’s for Sammy. Our two years ago my focus your affection on your pets.
dog. By Mary Beth daughter asked for And there’s just something about
It’s true that we Weisenburger a small house dog-- having a baby-sized dog that brings
ARE dog people, and one she could cuddle out the parental instinct big time.
have always been dog people. In with and sleep with and take places Within six months, the baby/dog My husband sanctioned all of Makes me wonder what’s go-
fact, we had a dog before we were in a cute little carrier. So I obliged was sleeping with my husband and this. And now, he has purchased ing to happen when our daughter
married, just to test whether we and soon we brought home a fluffy me. He’s allowed on the couch with a miniature fleece bed simply as a leaves home…
could raise something together. two-pound Shih Tzu/Poodle mix us. He gets table scraps. His hair- place for Sammy to snooze while Mary Beth Weisenburger lives in
(You’ll have to ask our kids wheth- that was so tiny it couldn’t even cuts cost more than mine. And he he’s waiting for someone to scratch and writes from a home where a seven-
er or not that was a good indicator. make it up the steps to our front isn’t allowed to swim in the pond his tummy. It clearly signals we pound, four-legged fluff-ball rules. See
have hit a new level of puppy love what else she’s up to, check out her book
Aside from the shock collar threat porch. It was love at first sight for without a $40 doggy life jacket or schedule her for a fun presentation to
when they were slightly unruly my daughter and me. strapped to his petite little self. in our nearly child-free household.
your group at www.marybethw.com.

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Celina: 419-586-1999 Tri-County: 419-738-7430
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10 – GOOD TIMES • March 2011

 New tax rates could create new opportunities
Americans Security wage limit). Note that the reduction tion phases out for individuals earning more year or next, you are better off avoiding hav-
now know that in- does not apply to the employer’s contribution than $60,000 and married couples filing a joint ing too much withheld and ending up with a
come tax rates are to Social Security and the payroll tax related to return with income above $120,000. large tax refund every year. This is money that
not going up (at Medicare for both employers and employees Families can continue to invest up to could be put to better use each month, specifi-
the federal level) remains unchanged. A similar reduction also $2,000 per year in Coverdell Education Sav- cally toward your key financial goals.
this year. In fact, applies for self-employment tax. ings Accounts in 2011 and 2012. Dollars can •Consider taking the two percent savings
most people will Extension of capital gain and grow on a tax-advantaged basis and be used to from the temporary payroll tax holiday and
temporarily pay dividend tax rates pay elementary, secondary and higher educa- putting it to work toward your retirement by
less federal tax Like income tax rates, existing rates on tion expenses. increasing the amount directed to your work-
than was the case long-term capital gains and qualifying divi- Estate Tax Is Back But place savings plan, or making a regular contri-
previously. The tax dends were scheduled to increase at the end of Affects Fewer People bution to an IRA.
savings may create 2010. However, the rates that existed in 2010 The estate tax has been in flux for several •Determine if you should adjust your in-
an opportunity for have been extended through 2012. The highest years. In 2009, a per-person exclusion of $3.5 vestment strategies to take advantage of the
you to consider applicable tax rate on most long-term capital million was in place. Taxable estates valued ongoing favorable rates for long-term capital
putting more mon- gains and qualifying dividends is 15 percent beyond that amount were subject to a tax of 45 gains and qualifying dividends.
ey to work toward By JoAn Smith, CFP and for lower-income taxpayers can be as low percent. In 2010, the estate tax was scheduled •Review your estate plan to determine if
your key financial as 0 percent. to be repealed, but only for that year. Under the any changes are needed in light of the new es-
goals. Renewal of Education Tax Credit and Oth- new law, the estate tax is retroactively reinstat- tate tax laws. Make sure any trusts and wills
Here is a rundown of what’s been put in er Education-Related Provisions ed for 2010 (but with an elect-out provision) are up to date and consistent with the law, es-
place effective in 2011 (or in some cases, in The enhancements made to the Hope with an exclusion amount set at $5 million per pecially since the most recent change is only
2010): Scholarship Credit (American Opportunity person, so potentially $10 million per couple – effective through 2012.
Extension of 2010 tax rates Tax Credit), which provided for a $2,500 with a tax rate of 35 percent applying to estates •Stay prepared for future changes. By the
Federal income tax rates established in maximum tax credit per student for the cost larger than that. The higher exclusion amount end of 2012 at the latest, Congress is likely to
2001 and scheduled to expire at the end of last of tuition and related expenses paid during a and lower rate apply for 2011 and 2012. have to address many of these same tax issues
year are now in place through 2012. Tax brack- taxable year in 2009 and 2010, is extended to What to Consider Now again. A regular review of your financial and
ets start at 10 percent and peak at 35 percent. 2011 and 2012. Qualification for the credit is That Rates Are Set tax situation should be part of your routine.
Temporary Employee subject to income limits. The credit is phased Strategies that may be suitable will depend •Consult with your financial and tax advi-
Payroll Tax Holiday out for single taxpayers with income over on your circumstances, but here are some spe- sors for more information before making any
For 2011 only, the 6.2 percent Social Se- $80,000 and married couples filing a joint re- cific ideas to consider in light of the recent tax critical decisions that could have a tax impact.
###
curity tax deducted from your paycheck (up turn with income over $160,000. legislation: Advisor is licensed/registered to do business with U.S. residents
to the first $106,800 of Social Security wages Also extended for 2011 and 2012 is the •Make sure that the amount being withheld only in the states of Ohio. Ameriprise Financial does not provide tax or
legal advice. Consult your tax advisor or attorney.
in 2011) will be reduced to 4.2 percent. That ability of certain individuals to deduct up to from your paycheck is appropriate. Now that Brokerage, investment and financial advisory services are made
available through Ameriprise Financial Services, Inc. Member FINRA
means an extra $200 for every $10,000 of So- $2,500 in interest on qualified higher educa- you know income tax rates aren’t going up this and SIPC. Some products and services may not be available in all juris-
cial Security wages you earn (up to the Social tion loans from their income taxes. The deduc- dictions or to all clients.

WE BUY/SELL/APPRAISE Paychecks stop. Life goes on.

We Sell NORTHWEST OHIO’S Retirement can include a steady income.
GOLD & SILVER LARGEST
COIN SHOP
Learn how you can put your confident retirement more within reach.
BULLION Call me today at 419-695-7010.

Located in downtown Delphos JoAn M. Smith, CFP®

Hundreds of square feet dedicated to all types of numis- Financial Advisor
matic items: Proof & Mint Sets, Proof & Uncirculated CERTIFIED FINANCIAL PLANNERTM practitioner
American Silver Eagles, U.S. coinage & currency from 227 North Main Street
the 19th century to date, complete sets of 20th centu- Delphos, OH 45833
ry coins, 20th Century & Modern Commemoratives,
tokens & exonumia, foreign coins & paper money,
(419) 695-7010
coin supplies, books and albums, Indian artifacts, JoAn.M.Smith@ampf.com
estate jewelry, antiques, and boxes & boxes of col-
lectible coins!

238 N. MAIN ST., DELPHOS, OH 45833

MEMBER OF
ANA/SLCC/MSNS/CSNS/FUN/
419-692-1888
email us at
Hours: Mon.-Sat. 9am-6pm
Closed Sundays
Personal appointment
Brokerage, investment and financial advisory services are made available through
Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and
CONECA/OSNO
ccc@coinscurrencyandcollectibles.com can be arranged.
services may not be available in all jurisdictions or to all clients.
Visit us at: www.coinscurrencyandcollectibles.com
© 2010 Ameriprise Financial, Inc. All rights reserved.

March 2011 • GOOD TIMES – 11

 Available in
gas, wood, electric,
pellet & corn!

Visit Our Showrooms!

Over 200 Units
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SR 127, 5 miles Norht of Celina
1 Mile West on Tama Road
419-224-4656
419-363-2230
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12 – GOOD TIMES • March 2011