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January 11, 2012     The Julian News
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January 11, 2012
 

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8 The Julian News January 11,2012 9 Paul Bicanic OwneffBroker Active over 30 years full time in Julian Real Estate www.AJRE.com 760.765.2878 / 760.484.7793 4584 Hwy 78-79 RECENTLY REMODELED RANCH STYLE HOME 3BR, 2BA, 2600 S.F. Gourmet Kitchen, Breakfast Nook, ............................ Central Heat and Air, Formal Living Room, Large Family Room, Large 2 Car Garage, Run A Business (Cottage Industry) From Your Home With Use Permit 13.5 Acres Highway Frontage Exposure Zoned Agricultural Level Usable Meadow, Room for Barn, Corral, Metal Buildings, Hors- es, Gardens, Orchard 9 2002 Manufactured Home in Golden Nugget Park. 2 Bedroom, 2 Bath, 1644 sf. + Bonus Room (Could be 3rd Bedroom). Wood Burning Fireplace. Fenced yard. Two (2) Decks. View of Meadow, Pines, Oaks. Walk to Town. $495 Space rental - Trash Water, SDG&E extra. REDUCEDq ' $120,000 IS YOUR HOME LOAN UNDER WATER? DO YOU ALSO HAVE A 2ND ON IT? HAVE YOU MADE THE LAST 6 PAYMENTS ON TIME? THE NEW LOAN PROGRAM IS DUE IN MID- NOVEMBER THAT COULD LOWER YOUR RATE. THERE WILL BE HUNDREDS OF THOUSANDS OF HOMEOWNERS JUMPING ON THIS PROGRAM. CALL NOW TO GET STARTED. IF ITDOES NOT MAKE SENSE I WON'T PUT YOU INTO THE LOAN. CALL ME WITH QUESTIONS... 619-561-6241 FAX: 619-749-3667 CELL: 619-316-7732 Mike Mclntosh MORTGAGE LENDER NMLS#: 226000 BACK COUNTRY SPECIALIST EMAIL: MMCI NTOSH@AMERIF 1 RST.U S I ~ ~'~A ,r .,.-,,,r'~.]~*.r,r~.vT., 6370 LUSK BLVD. F209 ! | ZtJ P.A'tdI' ltL' l o S e 1 90: CA 9or2t121d ,h 1~ I ice e y p f rp ' un er e t~ FINANCIAI.. INC. Mo. o,e LUERS & DYER, CPAs, IJJP Rebecca Lugs. CPA Mast*s De ,grt~ m laxat~,n Personal attention to ),our special needs CERTIFIED PUBLIC ACCOUNTANTS lnco~n, Tax atul Accounting " Full Sertqce Firm N Jan Dye~. CPA Wvnola {:enter, 4367 HxB~, 8. Suite I 12 EO. t~x 1934 Julian. CA 92ff~ Tel: 760 765-03Z~ Fax: 760 76~g0150 Email: rebecca@lu~sq)Lcmn Democracy is on the rise in the Middle East. For example. Bahrain, a small island state in the Middle East. recently took a big step toward giving the elected chamber of Parliament much greater control over the government. Pastor Rick In The News U.S. Catholic Church To Accept Episcopalians The U.S. Roman Catholic Church wil establish a body n January to house disaffected members of the Episcopal Church, beginning with a few dozen ministers and at least two congregations seeking communion, U.S. bishops were told. About 35 of 67 Anglican ministers who have applied to join the Catholic Church have received the "nulla osta" (permission to join together) from the Holy See, allowing them to move forward to become priests, said Cardinal Donald Wuerl, archbishop of Washington, D.C., and chair of the committee to move the process forward. Other clergy seeking ordination have had their dossiers presented to the Vatican's Congregation for the Doctrine of the Faith, he Said. Permission to form the ordinariate in the United States was granted by Pope Benedict XVI, who in November 2009 issued a formal invitation to Anglicans to join the Catholic Church. In 2003, the 2.3 million member Episcopal Church, the U.S. arm of global Anglicanism, triggered what many observers describe as an ongoing schism by consecrating its first openly gay bishop, the since- retired Gene Robinson. A few conservative dioceses have split from the U.S. church, and the Anglican Communion because of the continued appointment of homosexuals and women to the hierarchy. Virtually all of the Episcopal ministers who have asked to become Catholic priests in recent months are married and would be granted exceptions to Catholic celibacy rules in order to be ordained, church leaders said. Source: Reuters, summarized by Pastor Rick Ask Pastor Rick Why didn't Mary name her child Immanuel to fulfill the prophecy of Isaiah 7:14? Mary named her Son Jesus because the angel Gabriel told her to. Remember, angels say and do what God tells them. Who would know better how to fulfill Scriptures than God., Himself! In ancient times, names were often given that reflected oF defined the character or purpose in a person's life. So in the Isaiah prophecy, the Messiah would be called mmanuel, meaning 'God with us'. The same prophet said the Messiah would be known by other names as well: 'Wonderful Counselor', Mighty God', 'Everlasting Father', and 'Prince of Peace'. (Isaiah 9:6 for example) Which of these names is right? They all are, as are other 'names' recorded in Scripture: 'Lion of Judah', 'the Way, the Truth, the Life', 'the Alpha and Omega', and many more! They are all functional nicknames for the Messiah. However, the correct name is the one that Mary used, the one God chose and instructed His angel to give to her-Jesus. Rick Hill is the Senior Pastor at Hillside Community Church on 3rd and C Streets in Julian, CA. Direct all questions and correspondence to: PastorRick@ julianchurch.org or Hillside Community Church, Religion In The News, Box 973, Julian, CA, 92036. (Opinions in this column do not necessarily express the views of Julian News, its editor, or employees.) Financial FocuS* FAwardJones M~tKING SENSE OF INYE$TtNG When Should 850 Main St #104 You Sta rt Ramona, CA 92065 {760) 789-2804 Taking Social Yvonnee. Catton submitted by Yvonne Catton If you're of a certain age, the new year means you're that much closer to a day you may have anticipated with a combination of humor and resignation -- specifically, the day you're eligible for Social Security. But just because you can take Social Security, it doesn't mean you must take it. So, should you? Before we get to that question, let's review ,the basic rules governing Social Security payments. You can typically start collecting benefits at age 62, but you'll get only about 75% of what you'd receive if you waited until your "full" retirement age, which varies according to your birth year but is most likely 66. You'll get even bigger monthly checks if you delay collecting them until you're past 66, and you'll "max out" on your payments once you reach 70. So, the question boils down to this: Should you Start collecting Social Security early thereby receiving smaller, but more numerous, checks -- or later, when your checks will be bigger but fewer? If you really need the money once you reach 62, you've already got your answer. But if you could potentially afford to wait, we recommend you view your decision through a LENS: L: Your projected lifespan You can't see into the future, but given your family history and general health, you can make an educated guess about your projected Ion gevity. If you're,fairly confident that, once you reach 66, you've still got another two or more decades in front of you, you may want to consider delaying taking Social Security past age 62. E: Your employment status If you're under full retirement age -- between 62 and 66 then for every two dollars you earn over $14,640 (in 2012), you'll lose one dollar in Social Security benefits. In the months before you reach your full retirement age, for every three dollars you earn over $38,880 (again, for 2012), you'll lose one dollar in benefits. But starting in the month you reach your full retirement age, you can earn as much as you want without losing any benefits. N: Your need, including your other sources of retirement income Ifyou have a pension, or you've built substantial resources in your IRA, your 401(k) or other employer-sponsored retirement plan, and you can support your income needs with modest withdrawals from these accounts: you might decide it's worthwhile to delay taking Social Security to maximize your benefits. Remember that regardless of your Social Security decision, you typically would have to pay a 10% early withdrawal penalty if you started taking withdrawals from these accounts before you reach age 59. S: Your spouse/marital status If you're single, you basically just need to think of yourself when making this decision. But it's a different story if you're married. If you die first, your spouse can keep receiving his or her own Social Security benefit or receive yours whichever is larger. Consequently, you and your spouse will want to coordinate when you take Social Security benefits so that you can maximize the benefit for the spouse likeliest to live longer. The choice of when to start taking Social Security can affect your lifestyle throughout your retirement years -- so weigh al the factors and make the choice that's right for you. Politics is not a bad profession. If you succeed there are many rewards, if you disgrace yourself you can always write a book. -- Ronald Reagan