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Asaninvestor,your main goals will change at different times in your life. During your working years, you need to grow as many re- sources as possible for retirement. Once you re- tire, how- ever, you will likely need to focus more on getting income from your invest- ments. But what are your options? There's no shortage of income-producing in- vestments, of course. You might immediately think of bonds, which can pro- vide regular interest pay- ments and probable pres- ervation of principal, provided the bonds are considered "investment grade." Still, if interest rates are low when you re- tire – as they have been for several years now – bonds might not provide you with as much income as you need. And just as im- portantly, the income you receive from most bonds won't rise over time, leav- ing you susceptible to in- flation and the loss of pur- chasing power. Consequently, you may also need to explore other types of income-generat- ing vehicles, including div- idend-paying stocks and real estate investment trusts (REITs). Some stocks have not only paid but also in- creased their dividends for many consecutive years. These stocks have histor- ically provided the poten- tial for rising income to help combat inflation and are typically well-run com- panies that strive to re- ward their investors. None- theless, you need to recog- nize that even these stocks are not obligated to pay you dividends, and they are free to lower or discontinue them at any time without notice. Now, let's turn to a sec- ond type of potential in- come-producing asset: Real estate investment trusts (REITs). Different types of RE- ITs are available. For ex- ample, equity REITs in- vest in and own commer- cial properties, such as hotels and shopping cen- ters, while mortgage RE- ITs, as the name suggests, own and invest in property mortgages. Is one form of REIT better than another? There's no simple answer. On the one hand, mort- gage REITs are considered riskier than equity REITs. However, mortgage REITs often pay quite large divi- dends, although the payout can be inconsistent. (Like all REITs, mortgage REITs must pay 90% of their tax- able income to investors in the form of dividends. Due to this requirement, REITs generally need to raise cap- ital to finance their growth plans, and this neces- sity can affect their share prices.) Thisarticlewaswrittenby Edward Jones for use by your local Edward Jones Financial Advisor. Susie Mustaine is a financial advisor for Edward Jones, her office is at 2130 Main St., Ste. B, in Red Bluff. She can be reached at 527-4729 or susie. mustaine@edwardjones. FINANCES When you retire, where can you find investment income? Susie Mustaine Red Bluff BEAM, the 5th annual Business Expo And Mixer will be "Your Time To Shine," 5-7 p.m. Thurs- day, Feb. 9 at the Red Bluff Community Center 1500 S. Jackson St. This trade show is an ex- cellent opportunity for all local businesses to show- case what they have to of- fer to the Red Bluff and Te- hama County community. Show specials and dis- counts will be given dur- ing the Business Expo. This event will feature more than 60 vendors form all categories of business, organizations and events. Sign up today. Registra- tions are now open to re- serve your table. Visit www.redbluffcham- ber.com for more informa- tion and to register online. The registration is $50 per table before Feb. 1, $65 af- ter. The event is open to the public with no admis- sion fee. Appetizers and a no host bar will be available for all. Grand prize give away to some fortunate person at the event is a flat screen TV. The vendors are encour- aged to register early as it is first come, first serves. The registrants will bring props, tell their story and will make it fun. The sky is the limit for this event. Set-up will be 3-4:30 p.m. BEAM is spon- sored in part by Red Bluff Dodge and Redding Dis- tributing. Questions, please contact the Chamber at jason@red- bluffchamber.com or 527- 6220 ext. 301. Networking Good Morning, Red Bluff will be held at the Bull & Gelding Sale Thursday, Jan. 26. Hope to see you at Good Morning, Red Bluff at our next meeting. This event will be hosted by the Cattle- women at the Western Art Building at the fairgrounds. Come out for this excel- lent event and sample some great food. We hope to see everyone at Good Morning, Red Bluff, the most popular network- ing event in the county, so we can learn more about you and your business. Please invite friends or as- sociates to join you. Employment posters The 2017 employment posters have arrived. Pick your order up or order yours today by calling 527-6220, ext. 301. Hosts needed Host sites needed for 2017 Good Morning, Red Bluff calendar. Good Morning, Red Bluff, the very popular Chamber networking event, is seek- ing business member hosts for 2017. GMRB takes place on the last Thursday of each month. Chamber members inter- ested in hosting a meeting are encouraged to call the chamber office at 527-6220, ext. 301 or write to jason@ redbluffchamber.com. Preference will be to busi- nesses who have not hosted in the last 18 months. Happy New Year Wow what a year. I'm so thankful for everything that took place this past year with the chamber. Scott Camp is in his second year as chairman of the board and has run with strategy, working to- gether with our board for great chamber momentum to continue. We conducted 14 ribbon cuttings and have seen our Ambassador program grow thanks to Amanda Jenkins and all the Ambassadors and making even more im- pact throughout our busi- ness community. Jason and Nathaniel continue to do great work in the office. The chamber continued all of our normal events such as Good Morning, Red Bluff. We will continue with several newer events that were extremely ex- citing; our Business Expo And Mixer in February, the Cowboy Golf Tournament in April — both of which were sold out. We promoted more than 235 community events that assist local business and or- ganization, many of which bring in visitors to our area. The phone calls, office vis- its, e-mails, website hits and Facebook presence all have continued to increase. We sent out over 700 visi- tor information and reloca- tion packets and over 3,000 Calendar of Events were viewed this year. Our Parades and Farm- er's Markets were amaz- ing and continue to grow. We have increased our part- nership with regional and statewide chambers and tourism organizations for greater effectiveness to pro- mote our city and county. Our chamber dinner in September was a wonder- ful event filled with awards and fun. Our second edition of our Chamber Business Di- rectory and Tourism Guide was completed in Decem- ber and has been greatly received. We ended the year with our 2nd annual Chamber Christmas Breakfast at Red Bluff Dodge. It brought in dozens of toys for the CHiP's Toys for Tots. So much more happened throughout the year that I am unable to fit in my col- umn this month — so I in- vite you to please visit our website and Facebook page for more information. Our desire is to con- tinue to encourage busi- ness, tourism and the lo- cal economy, not with just "busyness," but strategic ef- fort to strengthen and grow our local economy. Thank you all for being a member of the chamber, volunteering and support- ing us throughout the years. More than 4,000 hours were logged in by volunteers to the chamber through events and daily chamber promo- tion of our area this past year alone. Congratulations volunteers, we couldn't do it without you. 2017 will be a great year — continuing the legacy. 5th annual Business Expo set for February RED BLUFF CHAMBER CONTRIBUTEDPHOTO The 2016Business Expo And Mixer. 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