Columns/Opinions

PSA: Take charge of your debt, one step at a time

   If you have debt that feels overwhelming, you can regain control.   First, know what you owe.   List all balances from mortgages, auto loans, medical bills, and credit cards, and divide that total by your gross income.   Aim for less than 35% with a mortgage or 20% without.
Jim Folse

Jim Folse

Jim Folse announces re-election campaign

   Over the past several years, it has been my honor to serve the citizens of Bay City on the City Council. During that time, our community has made meaningful progress in infrastructure, public safety, economic development, and quality of life improvements.

PSA: Ease the squeeze on your retirement income plan

   Inflation has slowed, but many retirees still feel the effects of higher costs, especially for essentials like health care, utilities, and insurance.  They can tighten your income plan and make you wonder whether it can keep up over time.  What matters is how you respond - and you have options.

Lost in Translation

   “Why does Julie always get to push the elevator button?”  I can’t tell you the number of times I heard that phrase when my children were growing up.In the beginning, there’s one child and two parents. Seventeen months later the second of the fold arrives.