Kleynenberg

Mr. Paul D. Kleynenberg, age 66, passed away Tuesday, September 10, 2013. He was born in Grand Rapids to Arthur and Jane (DeWeerd) Kleynenberg. Paul was a Marine Corps Veteran of Vietnam. He was a third generation water well driller and he owned and operated Paul Kleynenberg Wells for almost 40 years. Paul also enjoyed hunting, fishing and trips to the UP. He is survived by his parents; brothers, Richard (Patricia) Kleynenberg, Robert (Judy) Kleynenberg; sister, Donna (Phil) Stockton; daughter-in-law, Kari Kleynenberg; grandsons, Samuel and Eli Kleynenberg. Paul was preceded in death by his son, Curtis Kleynenberg. There will be private memorial service at a later date. The family would like to express their appreciation to the Grand Rapids Home for Veterans Unit 1 Blue.

The Pederson Funeral Home, Rockford

www.pedersonfuneralhome.com

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Bomers

Mrs. Polly A. Bomers, age 93, went home to her Lord and Savior Tuesday, September 10, 2013. She was born in Grand Rapids to Robert and Nellie (Van Prooyen) Weed. She married the late Robert A. Bomers December 10, 1938. She is survived by her children, Jan “Buster” (Susan) Bomers, Sally Ann (James) Teeman, Anne Zanella, Robert D. (Gay) Bomers; 10 grandchildren; 18 great-grandchildren; and 2 great-great grandchildren. Polly was preceded in death by her parents; husband, Robert A.; son-in-law, John Zanella; and great-grandson, Dylan. The memorial service will be 1 PM Friday, September 13, 2013 at the Pederson Funeral Home. In lieu of flowers please make memorial contributions in Polly’s name to Grand Rapids Home for Veterans, 3000 Monroe Ave NE, Grand Rapids, MI 49505.

The Pederson Funeral Home, Rockford

www.pedersonfuneralhome.com

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Social Media and Children

Social Media and Children

 

Kelly Amshey, Assistant Principal, ERMS

 

Children and young adults today live in a different world than the one that their parents knew growing up. Technology is central to their education, access to information, and ability to communicate. One aspect of the era of technology that is critical for parents to discuss with their student(s) is the use of social media.

Social media websites are a common part of today’s world and are utilized by adults, young adults, teens and, in some cases, pre-teens. While social media can be a fun way to communicate and express one’s self, these websites can also open doors to cyber bullying, predatory activity, and limitations on future opportunities.

Unlike personal communications, technology provides an avenue for people to communicate without seeing who or what they may be impacting. Comments posted on social media are far more likely to be cruel and exaggerated than those made in person because there is a lack of connection to the victim. Students that engage in cyber bullying may be entirely different than individuals who would bully within the walls of the school.

Another dangerous aspect of social media is the anonymity, which can be useful to predators. Some individuals may post false images and profiles in order to establish online relationships with young people. Upon building trust, they are often able to solicit personal information and may attempt to contact them in person.

Social media may also be problematic when individuals choose to post comments, images, and/or video that reflect poorly on their character. Colleges, places of employment, and scholarship committees often report that they investigate through social media and use the information in the decision-making process. Poor language, indications of illegal activity, mean behavior, or explicit pictures may impact the future of a young person.

What can you do to decrease the risk that your child is harmed by the use of social media? Recommendations vary, but most important is that you discuss the risks of using social media with your child frequently. Teens are pre-teens need to hear about and be reminded of the concerns to assist them in making positive decisions. Secondly, establish a family rule that indicates the minimum age or grade level for using these websites, perhaps age 14 or grade 8. Explain the importance of security settings to your child, so they understand the need to limit the access of their information to people they actually know. In addition, limit the use of these websites to a certain time of the day and do not allow them access on mobile devices. Contact your mobile provider for information on blocking these accounts. Lastly, you should also monitor your child’s social media accounts and have firm consequences for inappropriate use.

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Tax Attic September 19, 2013

October 1, 2013 is a big day in the world of Obamacare. It appears that by October 1, anyone who works for an employer with revenue of more than $500,000 and has at least one employee should receive a letter from that employer titled “Notice to Employees of Health Insurance Marketplace Coverage Options”. The employee can then take the letter to the federal on-line insurance exchange and use it to buy coverage. What is the letter going to say? There are two versions of the model letter that are available through the Department of Labor’s website at www.dol.gov/ebsa/healthreform. The first version is for employers who do not provide health insurance to their employees. The second version is for employers who do currently provide employer-paid health insurance to their employees. Both versions have a Part A and a Part B. Part A is “General Information”. Part B is “Information About Health Coverage Offered by Your Employer”.

Part A includes several important pieces of information. First, it notifies the employee that the federal on-line insurance exchange, called “Health Insurance Marketplace”, does exist. It gives contact information for the Marketplace; a brief description of the Marketplace; and the products and services available through the Marketplace. It directs interested people to the government’s website: www.HealthCare.gov for more information. Second, it notifies the employee that there is potentially a premium tax credit available to help the employee pay for coverage should the employee buy insurance through the Marketplace. The credit is based on several factors, including the family income of the purchaser; the actual policy purchased; whether the employer provides insurance or not; and if the employer does provide insurance, does that insurance cover less than 60% of the value of allowable claims. The third item the letters must itemize is the fact that employee may lose a tax-free fringe benefit if the employee opts to purchase health insurance through the Marketplace. The employee may gain a credit but lose a tax-free fringe benefit.

Part B for employers who do not provide health insurance gives employer information the employee needs to go to the Marketplace to purchase insurance. The Marketplace coordinator may contact the employer to verify the accuracy of the letter so common information such as name, address, telephone number, federal identification number, employer contact person, and email address must be provided. Part B for employers who do provide health insurance is a little more involved. It has the employer contact information but it also has a series of questions concerning the health insurance provided. Questions 13 and 14 identify who is eligible for coverage. Question 15 allows the employer to declare whether the current plan meets the “minimum value standard”, i.e. if 60% of allowable claims would be covered. Question 15 also requires the employer to make a calculation to determine if the cost of insurance does or does not exceed 9.5% of the employee’s income. If the cost is less than 9.5%, it is deemed “affordable”. If it exceeds 9.5%, it isn’t “affordable”. Question 15 does have a “cannot be determined” answer if the employer can’t calculate the affordability aspect or the minimum value aspect. Question 16 asks if the employee is currently eligible or will be within the next three months. Question 17 again asks about meeting the minimum value standard. Question 18 asks how much the employee has to pay for his insurance and how often. Question 19 asks if the employer contemplates making any changes in the next plan year such as increasing the employee portion or dropping coverage altogether.

In the Department of Labor’s guidance for the delivery of the letter, they say the letter may be provided by first-class mail or by electronic delivery. If electronic delivery is used, a read receipt confirmation must be provided. Of course, if first class mail is used, there is no receipt confirmation, but it is presumed that the U.S. Postal Service will efficiently do its’ job. As an alternative, the employer may hand deliver the letter and have the employee sign an Acknowledgement of Receipt. For small employers, who are in direct contact with their employees, we recommend that the letter be hand-delivered and that the Acknowledgement of Receipt be retained in the employee’s file. If the DOL does audit the employer and the employer cannot provide proof of delivery, the penalty that may be assessed to the employer at this point appears to be $100/day/employee. An Acknowledgement of Receipt could prove to be a valuable piece of paper to the employer should the DOL come knocking.

The Affordable Care Act is being implemented. The train has left the terminal, so to speak. This Required Notice to Employees gets many employers involved and will serve as a wake-up call that national health care is here and must be dealt with. Currently, this affects only employers with $500,000 of revenue with at least one employee. The thinking is that the $500,000 will decrease in the future and all employers, regardless of revenue and the number of employees, will be required to send out notices. This is Jerry Coon signing off.

 

 

Jerry Coon is an Enrolled Agent and a

Registered Tax Return Preparer.

He owns Action Tax Service on

Northland Dr in Rockford.

Contact Jerry through his website:

www.actiontaxservice.com

 

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Muskegon rumbles past Rams 45-0

By RANDY GREGORY

 

It was thought coming into the game played at Muskegon on Friday, September 13 that Rockford would be facing their most formidable challenge of the season. The Big Reds featured a multitude of Division 1 athletes who have either already committed or will commit in the next year or two while featuring size and speed that is probably unmatched anywhere else in the state. When the dust had settled that mix of Big Red attributes had rolled to a 45-0 triumph over a stunned Rockford football team.

The Rams made it competitive over the course of the first quarter and it was a scoreless tie after 12 minutes. The normally stout Ram defense was definitely up to the challenge of containing the Big Reds early and forced a pair of punts from a team that was used to naming the final score. Muskegon got the ball rolling in the second quarter however and  proceeded to build a 17-0 lead built behind an unexpectedly solid aerial attack in Rockford territory. The teams went into the locker room with the Big Reds holding a still somewhat manageable 17-0 lead. That isn’t at all unfamiliar ground for Rockford as they have historically fallen behind Muskegon early only to rally later behind a diverse offense predicated on the passing game that attacked a Big Red defense that wasn’t used to being challenged.

The Rams forced a punt on Muskegon’s opening possession of the second half and the Rockford crowd had thoughts that this was possibly a sign of past improbable rallies to victory at Muskegon. But Rockford struggled to mount anything offensively and the defense gradually tired over the balance of the game after being on the field nearly continuously. The athleticism of the Big Red offense mixed with an attacking and relentless defense proved to be too much and the lead grew to 38-0 after three quarters. The Big Reds added another meaningless late score to make the final score 45-0.

Muskegon quarterback Deshaun Thrower was the unquestioned star of the night as he ran for 248 yards on just 19 carries for an average of 13.1 yards per attempt. He also added a touchdown pass while going 4 for 8 through the air as the Big Reds also amassed 73 yards via the airways. Coupled with a 426-yard effort on the ground and the total offense added up to an unheard of 499 yards for the top-ranked team in the state in Division 2.

Rockford coach Ralph Munger was unavailable for comment after the game.

Rockford was able to muster only four first downs (two via penalty) and 104 yards on the night. Brent Showers had a hand in sixteen tackles and Tyler Bradfield chipped in with eight from his safety spot to lead the defense. Aaron Winnick added a fumble recovery for the Rams as well.

Next up for the Rams is a home encounter with Jenison on Friday, September 20th at 7:00 P.M. It is also Senior Parent Recognition Night and Military Recognition Night.

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