Panhandle Herald (Panhandle, Tex.), Vol. 126, No. 12, Ed. 1 Thursday, October 3, 2013 Page: 7 of 20
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Financial Focus
Submitted by Tom Reynolds, Financial Advisor
How Should Your Risk Tolerance Influence Investment Decisions?
As an investor, how
much risk can you tol-
erate? It’s an important
question — because the
answer can help you
make the right investment
choices.
Before you know
your risk tolerance, you’ll
want to make sure you
first understand the nature
of investment risk — the
risk of losing principal.
This risk is especially
prevalent when you invest
in stocks, because stock
prices will always fluctu-
ate — and there are never
any guarantees about per-
formance. Of course, a
decline in value does not
mean you need to sell;
you can always hold on
to the stock with the hope
that its value will bounce
back. And this can cer-
tainly happen, but again
— no guarantees.
How you respond to
this type of investment
risk will tell you a great
deal about your own risk
tolerance. Of course, no
one, whether he or she has
a high tolerance for risk
or a low one, particularly
likes to see declines. But
people do react differ-
ently. If you’re the sort
of person who can retain
your confidence in your
investment mix and can
focus on the long term
and the potential for a
recovery, you may well
have a higher tolerance
for risk. But if you find
yourself losing sleep over
your losses (even if, at this
point, they’re just “paper”
losses), becoming de-
spondent about reaching
your goals, and question-
ing whether you should be
investing at all, then you
may have a low tolerance
for risk.
This self-knowledge
of your own risk tolerance
should help inform your
investment decisions —
to a point.
Even if you determine
you have a high tolerance
for risk, you almost cer-
tainly should not load up
your portfolio exclusively
with stocks. If the stock
Available at
Panhandle White Deer
Herald Hews
537-3634 883-4881
v J Germania
HOME AUTO LIFE
(806) 665-6815
Allison Agency
Tyler Allison
Agent
1827 N. Hobart St
Pampa, TX
Serving
White Deer,
Skellytown &
Panhandle
market enters a prolonged
slump, you could face
heavy losses that may
take many years to over-
come, causing you to lose
significant ground in the
pursuit of your financial
goals. Conversely, even
if you discover you don’t
have much tolerance for
risk, you won’t want to
invest only in suppos-
edly “safe” vehicles, such
as certificates of deposit
(CDs). During those pe-
riods when rates on CDs
and similar instruments
are low, as has been the
case in recent years, your
interest payments from
these investments may not
even keep up with infla-
tion — meaning that, over
time, you could end up
losing purchasing power,
which, over the long term,
can be just as big a risk as
market declines.
Ultimately, then,
you’ll probably want to let
your risk tolerance guide
your investment choices
— but not dictate them
with an “iron hand.” So, if
you believe you are highly
tolerant of risk, you might
have a somewhat higher
percentage of stocks in
your portfolio than if you
felt yourself to be highly
risk-averse — but in any
case, you’ll likely benefit
from building a diversi-
fied portfolio containing
stocks, bonds, govern-
ment securities, CDs and
other investments. While
this type of diversification
can’t guarantee profits or
protect against loss, it can
help reduce the effects of
volatility on your portfo-
lio.
By knowing your own
risk tolerance, and the role
it can play in your choic-
es, you can help yourself
create an effective, suit-
able investment strategy
— one that you can live
with for a long time and
that can help you avoid
the biggest risk of all: not
reaching your long-term
goals.
This article was writ-
ten by Edward Jones for
use by your local Edward
Jones Financial Advisor.
ImJ Tom Reynolds, AAMS^
Financial Advisor
1540 North Hobart
Pampa, IX 79065
806-665-7137
www.edwardjones.com
Edwardjones
MAKING SENSE OF INVESTING
LAW OFFICE OF_
INDA WATSON CRAWFORD. PC
311 Main Street • P.O. Box 1336 • Panhandle, Texas 79068
(806) 537-3116
• Real Estate
• Wills
• Probate
• Business
• Contracts
inda@crawfordlegaI.net
Thursday, October 3, 2013—Panhandle Herald—Page 7
DIABETES
(continued from page 1)
fat, sugar, cholesterol, and
sodium,” said Jeanene
Montgomery, AgriLife
Extension family and con-
sumer sciences agent for
Carson County.
Classes wifi begin
each day at 6:30 p.m.,
with the series continu-
ing on Oct. 15, 22 and 28,
Montgomery said. There
wifi be a one-time fee of
$10, which wifi be col-
lected at the time of class.
In 2003, AgriLife Ex-
tension developed Cook-
ing Well with Diabetes to
reinforce the practical ap-
plication of the nutrition
and self-care educational
series, Do Well, Be Well
with Diabetes.
“Cooking Well with
Diabetes is designed to
help not only the person
with diabetes, but also
anyone who prepares food
for those with diabetes,”
Montgomery said. By
selecting creative tech-
niques when teaching nu-
trition concepts, AgriLife
Extension educators can
introduce healthful behav-
iors that motivate clients
to adopt recommended
lifestyle.
Classes wifi be:
• Carbohydrate Foods
- Starch & Dessert Reci-
pes.
• Making Recipes
with Fat Better for You -
Main Dish Recipes.
• Double Pleasure
Side Dishes: Reducing
Sodium and Increasing
Fiber - Side Dish Recipes.
• Diabetes Reunion:
Celebrating Sensibly with
Diabetes - Holiday Reci-
pes.
Please call the Agri-
Life Extension office at
806-537-3882 to register
by Oct. 7 to allow plan-
ning for class materials
and supplies.
EIGHTH GRADE
(continued page 4)
and 10. On second down,
Panhandle fumbled and
Spearman recovered. On
first and 10 from their own
44, a Lynx got loose for a
56-yard touchdown run.
A run for two was good
and Spearman lead 14-0
with 6:50 on the clock.
With 3:56 left until half-
time, Spearman scored on
a short run then passed for
two to lead 22-0 at half-
time.
With 4:06 left in the
third quarter, Spearman
scored on a 25-yard run
then ran in the two-point
conversion to take a 30-0
lead.
The fourth quarter
was scoreless and Spear-
man won 30-0.
NOTICE TO CREDITORS
Notice is hereby given that original Letters Testa-
mentary for the Estate of Christina L. Lane, De-
ceased, were issued on September 26, 2013, in
Docket No. 3705 pending in the County Court of
Carson County, Texas, to : JERRY R. LANE and
DON R. LANE.
Claims are required to be presented within the time
and manner prescribed by law in care of Don R.
Lane, attorney for the estate’s representative, P.O.
Box 1781, Pampa, TX 79066-1781.
DATED the 26th day of September, 2013.
Jerry R. Lane
Don R. Lane
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Wink, Shaun. Panhandle Herald (Panhandle, Tex.), Vol. 126, No. 12, Ed. 1 Thursday, October 3, 2013, newspaper, October 3, 2013; Panhandle, Texas. (https://texashistory.unt.edu/ark:/67531/metapth660966/m1/7/?q=%22%22~1: accessed July 17, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu.; crediting Carson County Library.