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The Julian News
Julian , California
February 22, 2012     The Julian News
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February 22, 2012

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8 The Julian News Financial Focus Put Power of Tax Deferral to Work As an investor, you may sometimes feel frustrated. After all, your portfolio seems to be at the mercy of the financial markets, whose volatility is beyond anyone's control. Yet you can control the quality of the investments you own and the diversification of those investments to improve your chances of attaining your long- term financial goals. One way in which to do so is to put as much as you can afford, year after year, into tax-deferred investments. When you contribute to a tax- deferred account, your money has the potential to grow faster than it would if you placed it in a fully taxable investment -- that is, an investment on which you paid taxes every year. Over time, this accelerated growth can add up to a big difference in your accumulated savings. For example, if you put $200 each month into a taxable investment that earned a hypothetical 7 percent a year, you'd end up with about $325,000 after 40 years, assuming you were in the 25 percent federal tax bracket. If you put that same $200.per month into a tax-deferred investment that earned the same hypothetical 7 percent a year, you'd accumulate about $515,000 -- or nearly $200,000 more than you'd have with the taxable investment.* Of course, you will eventually have to pay taxes on the tax- deferred investment, but by the time you're retired, you might be in a lower tax bracket. Furthermore, depending on how much you choose to withdraw each year from your tax-deferred account, you can have some control over the amount of taxes you'll pay. Clearly, tax deferral can be a smart choice, but what sort Edward Jones MAKING 5EN,EOFINVEST|NG 850 Main $t#104 Ramona, CA 92065 (760) 789-2804 Yvonne P. Carton submitted by Yvonne Catton of tax-deferred vehicles are available? One of your most attractive choices will be your employer- sponsored retirement plan, such as a 401(k). Your earnings have the potential to grow on a tax- deferred basis, and since you typically fund your plan with pre-tax dollars, the more you put in, the lower your annual taxable income. If you're lucky, your employer will even match some of your contributions. Consequently, it's almost always a good idea to put in as much as you can afford into your 401(k), up to the contribution limits, and to boost your contributions every time your salary increases. In 2012, you can contribute up to $17,000 to your 401(k), plus an additional $5,500 if you're 50 or older. Even if you participate in a 401(k) plan, you can "probably also contribute to a traditional IRA. Your earnings have the potential to grow tax-deferred and your contributions may be tax deductible, depending on your income level. In 2012, you can put in up to $5,000 to a traditional IRA, or $6,000 if you're 50 or older. (If you meet certain income guidelines, you might be eligible to contribute to a Ruth IRA, which offers tax- free earnings, provided you don't start taking withdrawals until you're 59-1/2 and you've had your account at least five years.) Finally, if you've "maxed out" on both your 401(k) and your IRA, you may want to consider a fixed annuity. Your earnings grow tax-deferred, contribution limits are high, and you can structure your annuity to provide you with an income stream you can't outlive. The more years in which you invest in tax-deferred vehicles, the better. So start putting the power of tax deferral to work soon. *This hypothetical example is for illustrative purposes only and does not represent a specific investment or investment strategy. Becoming American Citizens LEGAL NOTICES My parents were both immigrants from Switzerland and they loved America, their adopted country. They were anxious to become American citizens as soon as they were able to talk and understand English. It was 1938 when my father felt he had the necessary knowledge and the confidence to pass the naturalization test. One of the requirements was that you had to have a character witness who was an American citizen. He asked Tom Strick who was a former U. S. Federal Marshall and an upstanding, respected member of'the Julian community to be his witness. When the judge asked Mr. Strick where he was born he answered, " EnglandP' Had he been naturalized? "No" That disqualified him as a character witness and they had to return to Julian and select someone else! When my mother went to get her citizenship papers in, 1941, February 22, 2012 00Apple Junction Real Estate, Inc. Paul Bicanic 0wrier/Broker Active over 30 years full time in Julian Real Estate 760,768,2878 i 760,484,7793 4584 Hwy 78-79 RECENTLY REMODELED RANCH STYLE HOME 3BR, 2BA, 2500 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 $599,000 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. REDUCEDfP" $120,000 ,Free online tax preparation websites are a great option for people with simple tax returns. Taxpayers can prepare and e-file their federal tax returns at no cost with free options and use SnapTax to prepare their return from an iPhone or Android phone. Volunteering is an excellent way to stay active, stay healthy and make a difference. If you are a recent retiree looking for new opportunities, find out how your skills might benefit community organizations in your area. To get connected with a local organization, contact the Eldercare Locator at (800) 677-1116. the judge asked her if she had ever spent time in an insane asylum. She looked him square in the eye and solemnly said, "Yes, seven years." She paused while he picked up his teeth and then added, "as a nurse!" When they were sworn in as U.S. citizens was one of the proudest days of their lives and they never forgot to remind us of the many blessings we had because we were citizens of the the greatest nation in the world. O.UE STION S... IS YOUR HOME LOAN UNDER WATER? DO YOU ALSO HAVE A 2ND ON IT? HAVE YOU MADE THE LAST 6 PAYMENTS ON TIME? THE NEW LOAN PROGRAM IS DUE IN MID- NOVEMBER THAT COULD LOWER YOUR RATE. THERE WILL BE HUNDREDS OF THOUSANDS OF HOMEOWNERS JUMPING ON THIS PROGRAM. CALL NOW TO GET STARTED. IF IT DOES NOT MAKE SENSE I WON'T PUT YOU INTO THE LOAN. CALL ME WITH Mike McIntosh 619-561-6241 FAX: 619-749-3667 CELL: 619-316-7732 MORTGAGE LENDER NMLS#: 226000 BACK COUNTRY SPECIALIST EMAIL: MMCINTOSH@AMERIFIRST.US [00F00RsT SAN DIEGO, CA 92121 ,_ Licensed by the Department of Corporations under the  Id INC. CG'ifoiQ Residentil Mortgage Leing AC' 1'9' LNDR LUERS & DYER, CPAs, LLP CERTIFIED PUBLIC ACCOUNTANTS Incor Tax and Accounting . Full SeJqce Fiwnt  Accounting and t'manci statements Tax planning and preparation Rebeca Lrers_ CPA Matef Dcree m I LXam Personal attendon to your special needs WynoFa Center, a.V,}7 H'. 78. suite 1 t 2 EO. I}x 1934 Julian. ('A 92036 Tel: 760 76$-0}4} Fax: 760 765-010 Entail: rebecca@lnecpa, com ORDER TO SHOW CAUSE FOR CHANGE OF NAME Case Number: 37-2012-00092211-CU-PT-CTL IN THE MA'FFER OF THE APPLICATION OF: ZAYDA J. GALVAN FOR CHANGE OF NAME PETITIONER: ZAYDA J. GALVAN on behalf of ALEXA ANNE'IT ROJAS-GALVAN, a minor ARIADNE NATALIE GALVAN, a minor HAS FILED A PETITION FOR AN ORDER TO CHANGE NAMES FROM: ALEXA ANNETr ROJAS-GALVAN, a minor ARIADNE NATALIE GALVAN, a minor TO: ALEXA ANNETI ROMERO-GALVAN, a minor ARIADNE NATALIE ROMERO-GALVAN, a minor IT iS ORDERED that all persons interested in this matter appear before this court in Department 8 of the San Diego County Superior Court at the address shown (220 West Broadway, San Diego, CA 92101) on March 29, 2012 at 8:30 a.m and show cause, if any, why the petition for a change of name should not be granted IT IS FUFTHER ORDERED that a copy of this ORDER TO SHOW CAUSE be published in the Julian News, a newspaper of general circulation published in this county, at east once a week for four successive weeks prior to the day of the hearing THIS STATEMENT WAS FILED WITh THE COURT CLERK OF THE SUPERIOR COURT ON February 15, 2012. LEGAL: 05838 Publish: February 22.29 and March 7, 24, 2012 VACANCY JESS MARTIN PARK ADVISORY COMMITTEE There is a vacancy on the Jess Martin Park Advisory Committee (JMPAC). The purpose of the 3MPAC is to provide community input and recommendations to the director of the San Diego County Department of Parks and Recreation regarding the budget, maintenance, operations, park development facilities, and recreation programs for Jess Martin Park. Applicants must be residents or property owners within the Landscape Maintenance District Zone 2 - Julian boundaries and demonstrate an interest and knowledge of issues related to Jess Martin Park. For more information or if interested in applying, please contact committee chair, Dennis Cantor, at (760) 765-2004 or Effective March 20, 2012, the JMPAC will meet on the third Tuesday of each month at 7:00 p.m. in Room 4 at Julian High School The meetings are open to the public All are welcome and encouraged to attend. Board Members are: Dennis Cantor - Chair: Becky Hatch - Secretary; Steve Retz. Tom Skibinski, Les Turne Juli Zerbe. Legal: 05839 Publish: February 22, 29, 2012 FICTITIOUS BUSINESS NAME STATEMENT File No. 2012-004471 ENVISION 0ESIGN 327 Gravilla St La Jolla, CA 92037 The )usiness is conducted by An ndividual - Thomas Scott Gash, 327 Gravilla St., La Jolla, CA 92037. THIS STATEMENT WAS FILED WITH ERNEST J, ORONENSURG JR., RECORDER] COUNTY CLERK OF SAN DIEGO COUNTY ON February 15 2012. LEGAL: 05840 Publish: February 22, 29 and March 7.14, 2012 FICTITIOUS BUSINESS NAME STATEMENT File No. 2012-004146 ISSA 863 Georgia Street, Imperial Beach, CA 91932 The business is conducted by A Individual - Melissa Wilson, 863 Georgia Street, Imperial Beach. CA 91932 THIS STATEMENT WAS FILED WITH ERNEST J. DRONENBURG JR., RECORDER]COUNTY CLERK OF SAN DIEGO COUNTY ON February 10, 2012. LEGAL: 05841 Publish: February 22.29 and March 7,.14. 2012