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The Julian News
Julian , California
February 12, 2014     The Julian News
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February 12, 2014

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February l2,2014 HEALTH and PERSONAL SERVICES i 6-Bed Full Service Hospice & Dementia Case by Case • License Senior Cqre #374601019 SUNCREST LODGE 34540 Engineers Road and Highway 79 (760) 765-0065 Marriages on the M6untain :,Dick Thilketl, Chaplain 7000-7005-1578 C,00'unt'00 Desi'0000led\\;F0000 Y000! call Rev Le-urner.., 760-443:300930 leszmor@al,r Only t Julian Medical Clinic' A Division of Borrego Health Adult and Pediatric Services Certified Covered California Cardiology Services Enrollment Counseling (coming in December) Daily Borrego Pharmacy Delivery Digital X-Ray Behavioral Health Lab Services Smart Care Services Aeeeptil Medi-Cal, Medicare, Community Health Graup, Molina Direct HMO, Sharp Commercial, Most PPO plans aTut Tricare. Board Certified Physicians; Monday - Friday 8-5 pm arold K. Merrick MD & Blake A. Wylie DO 760-765-1223 /1 How To Gift Wrap A College Education (NAPSA)-Every year-whether arund the holidays, birthdays, graduations or other events- parents, grandparents, aunts and uncles want to get the perfect gift for the children in their lives. To help, hem's a gift idea that can be far mor valuable to their future than toys and games: money for their college education. The rising cost of college means families need to discuss and im_plement savings goals and strategies early. One way is by opening and contributing to a dedicated college savings account, such as a 529 plan. These plans are tax-advantaged accounts designed specifically to help families save for college. Families with childr n of any age-fr m newborns to those getting rady to head to campus- can open a 529 account in a child's name and manage how the savings are used for higher education expenses such as tuition, r om and board, books, and other qualified fees and supplies at accredited institutions. According to a rcent Fidelity study, 33 percent of U.S. families saving for college are investing in a 529 account, up from 18 per ent in 2008. However, research also shows that the typical American by Keith Bernhardt Contributing to a college savings fund is easy to do and can have a big effect down the road-it's a gift that can last a lifetime: the gift of education. family is on track to cover just a third of its college savings goal. Monetary gifts can add up over time and make a differ nce in the years to come. In fact, 19 percent of par nts have asked friends and family to contribute to their children's college savings and 65 percent expect to get monetary gifts specifically frm grandparents. For mor about 529 college savings plans, opening and contributing to an account and other savings strategies, visit www. and * Mr. Bernhardt is vice president of college planning at Fidelity Investments, one of the world's largest providers of financial services. Investing involves risk including the risk of loss. Before investing, consider the 529 plan's investment objectives, risks, charges and expenses. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, R1 02917. 673676.1.0. (c) 2013 FAIR LLC * Are you concerned about the health and future of Julian's youth? * Get involved with Drug Free Julian Community Coalition! * We use science-based, data-driven prevention strategies to reduce substance abuse in ourcommunity. Drug Free lulian Coalition meetings are on the 2nd Thursday of each month at the Julian Library--spm To learn more, contact Jean Duffy Tel: 76o-765-2228 A community puttingprevention strategies to work creating healthy drug-free environments where we work, live, and play. T]tou00ts by Michele Harvey A Couple Of Things I've been reading announcements on my Julian Facebook pages and in The Julian News and here are some items that I found that I think are especially interesting. This year's Garden Tour that benefits Julian Elementary School will take place on June 7th from 10am until 4 pm. As time gets closer, Tricia Elisara will announce more details. I'm excited. My son Thomas and I visited all of the tour gardens last year. We asked a lot of questions and we learned a lot about gardening and gr wing crps. My friend Becky posted this announcement on facebook that has also run twice in The Julian News. Great news for the women of Julian! The Borrego Julian Clinic is now offering a once per month women's clinic with a female practitioner! Pap smears and brast exams. They need women to sign up for the service to keep it going. We who call ourselves locals in the Julian area need to keep up on what's happening here. When we think we aren't inter sted in a particular event or item, we may know someone who can benefit frm the knowledge, so it's important to read and to remember. The Julian Garden Tour was an experimental success last year. I learned a lot and my son Thomas did too. Talking to the gardeners and farmers about their crops, their methods of growing them and how each grwer tries to keep the wild animals from eating their plants was very educational. I plan to go again this year too. Last year I bought my driving map at the Julian Chamber of Commerce office and I will probably be able to buy it there again. The map gives driving instructions and also gives a short description of each garden. Look in The Julian News for news from the Julian Apple Growers Association too. They hold clinics on grafting and pruning. People who attend learn how to grow and keep their apple tres healthy. Even though it's raining tonight (Thursday, Feb 5th) just as it did a week ago, we aren't out of danger. We have lived thr ugh over 10 years of drought and we may have mor in our future . Lots of the people I know here in the mountains and desert of Southern California are looking for ways to grow their own safe food and to do it using the least possible amount of water. The words "Self Sustaining" are heard more and more these days. Many who already grow their own food are looking to grow GMO free food, and those who haven't grwn their own food crps in the past are anxious to learn how. The Garden Tour is a good place to get started. Asking questions of experienced growers can save us all lots of money and time by avoiding expensive mistakes. News of a woman's clinic in Julian is terrific. One day each month when we can get our annual exams is such a wonderful dream for many of us that has finally come true. If you are a woman who air ady has a doctor that she trusts, that's okay. You may have friends up here who don't have a regular doctor down the hill or who don't have transportation to go anywhere out of our area. A short remark beginning with "Did you know..." can cover many important issues here in our back country. Several times a year I write about Feeding America and other food distribution pr grams in our area. In Julian we have 3 food distribution pm grams available to us. One is called Mountain Manna. It is located at, supplied by and financed thr ugh our local Community Methodist church. Methodist church volunteers man the program once each month. Call them for information. The second food distribution program is a government commodities pm gram which I understand is now located at the American Legion and is manned by volunteers there. Call the legion or ask a legion member who to contact for details. The third and newest food distribution program in Julian and in Shelter Valley is called Feeding America. I volunteer for this progr m each month on the 2nd and 4th Wednesdays and I have for over 2 years, since it began here. The food that is distributed is considered basic. We receive a different variety with each distribution. Fresh fruits and vegetables are always given out. We may also get dry beans, canned vegetables, boxed cereal, crackers or rice, or all of these items. We have occasionally received coffee, soy milk, bottled power beverages and many other types of food items. We even see the rare package of cookies. Even rarer is frzen meat. We don't see it often, but it's nice when we do see it. Feeding America food distribution takes place every 2nd and 4th Wednesday morning in the west parking lot of our Julian Public Library. Be there by 10am because we often finish and pack up before 11 am. Bring your own gr cery or tote bags if you have them. Frm time to time, I write recipes and tips on how to use the foods that we receive and I publish them in The Julian News. With jobs remaining scarce and the local casino closing its doors and putting 115 people back on the local job searches, I think it's more important than ever for people to know that we have ways to keep them from starving. Not only do we have 3 food distribution programs, we also have a local seed exchange inside our public library. You don't have to bring seeds in to take seeds home. But please don't be gr edy. Take what you can use and please leave some for other people. I see absolutely no shame in getting food at all three food distribution pr grams if you are in need. If you have a friend or neighbor who needs a little help to keep from going hungry, give that person a ride with you, or share your bounty. I do ask one favor of all of my readers. Please bring empty canning jars to my shop, Julian Yesteryears, or bring them with you when you come to Feeding America and ask for me. Janet Jones in Shelter Valley cans as much food as she is able to and she shares the food with others in need. She is a kind and generous woman who helps others. We can help her by cutting her costs one jar at a time. These are my thoughts. The Man Behind The Magic (NAPSA)-If you're like many people who've seen Disney movies (and who hasn't?), especially the new "Saving Mr. Banks" starring Tom Hanks and Emma Thompson about the making of "Mary Poppins," you may want to know more about the man behind the magic, Walt Disney himself. Well, now you can, in the pages of a fascinating book on this cinematic pioneer who captivated audiences for decades and led a life of imagination, perseverance and optimism that lives on in the hearts and minds of people around the globe. The authors, Pat Williams with Jim Denney of "How To Be Like Walt: Capturing the Disney Magic Every Day of Your Life," not only continued on page 10 The Julian News 5 POPE TREE SERVICE All Your Tree Service Needs Commercial & Residential Oak and Pine our Specialty CA. State License #7O4192 Fully Insured for Your Protection Workers Comp. We're Back! Ladies Auxilary Is Doing Friday Night Dinners! Join US - Only $10 Friday - February 21 Meatloaf with all the fixings American Legion Post 468 It's THAT! Time Of Year Again At a certain age (let's not get into specifics here) there is mandatory distribution from hitherto untouched IRAs. At least there was a semi- comprehensible letter to that effect from the bank. It was associated with good news and bad news or, to be more precise, good information and unpleasant information. We'll do the unpleasant first. Much of the money in the IRAs is interest earned over the years in the IRA investments. If, instead of putting untaxed money into an IRA you had paid tax and invested it in the same way, the earnings would be called capital gains and, more importantly, taxed as capital gains. Probably because it's easier as well as more lucrative for the Government, however, it's all taxed as ordinary income. And this is higher than the tax on capital gains. Here are the TurboTax people on the subject: "If you can manage to hold your assets for longer than a year, you can benefit from a reduced tax rate on your profits. For 2013, the long-term capital gains tax rates are 0, 15, and 20 percent for most taxpayers. If your ordinary tax rate is already less than 15 percent, you could qualify for the zero percent long-term capital gains rate. For high-income taxpayers, the capital gains rate could save as much as 19.6 percent off the ordinary income rate." (https://turbotax. term-vs-Long-term-CapitaI-Gains-Taxes--Brokerage-Accounts-- etc--/INF22384.html) Shafted again. It's better to be rich, clearly. The good news is about income tax and it's not's just something we've forgotten and/or are fuzzy about. The nightmare of moving into a new tax bracket? Wake up, it's not as bad as you think. You may move into a new tax bracket but NOT with all your income--the new tax bracket only affects the top part of it. That is, you are taxed on the first xx percent of your income at the lowest rate, on the next xx percent at the next rate and so on. It's easy to forget and a bit hard to explain, but take a minute to absorb this table of tax rates for 2013. Single Filing Status [Tax Rate Schedule X, Internal Revenue Code section 1(c)] • 10% on taxable income from $0 to $8,925, plus • 15% on taxable income over $8,925 to $36,250, plus • 25% on taxable income over $36,250 to $87,850, plus • 28% on taxable income over $87,850 to $183,250, plus • 33% on taxable income over $183,250 to $398,350, plus • 35% on taxable income over $398,350 to $400,000, plus • 39.6% on taxable income over $400,000. Married Filing Jointly or Qualifying Widow(er) Filing Status [Tax Rate Schedule Y-l, Internal Revenue Code section l(a)] • 10% on taxable income from $0 to $17,850, plus • 15% on taxable income over $17,850 to $72,500, plus • 25% on taxable income over $72,500 to $146,400, plus • 28% on taxable income over $146,400 to $223,050, plus • 33% on taxable income over $223,050 to $398,350, plus • 35% on taxable income over $398,350 to $450,000, plus • 39.6% on taxable income over $450,000. Married Filing Separately Filing Status [Tax Rate Schedule Y-2, Internal Revenue Code section l(d)] • continued on page 8