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The Julian News
Julian , California
March 7, 2012     The Julian News
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March 7, 2012

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8 The Julian News Apple Junction Real Estate, Inc.00 Paul Bicanic Owner/Broker Active over 30 years full time in Julia Real Estate www.AJRE.com 760.765.2878 / 760.4.84.7793 RECENTLY REMODELED RANC H STYLE HOME 3 Bedroom, 2 Bath, 2600 Square foot ! 3.5 Acres Highway Frontage Exposure Zoned Agricultural Level Usable Meadow, Room for Barn, Corral, Metal Buildings, Horses, Gardens, Orchard $579,000 lulian Kand For Sale 1 ACRE- Large Potential with water meter - $45,000. 1 ACRE- Seller will provide County Approved septic layout - $50,000. 1.19 ACRES - Recently surveyed, Nice building site with existing septic system, all utilities available, Harrison Park- $110,000. Z5 ACRES - Fabulous View and Privacy - $59,000. 13 ACRES - Usable undeveloped parcel Level to rolling to sloping (Ranchita) $60.000. 2.SACRES - View from Coronados to Catalina, Driveway and pad roughed in, Water meter, Seller is motivated to negotiate All CASH Offer - $85,000. 2.5 ACRES- Water meter, County Approved 3BR septic layout, Vew, House plans -$110,000. 2.5 ACRES - Paved roads, Underground utilities, Approved for 3BR,Large Oaks- $150,000. 2.5 ACRES - Gorgeous Wynola Estates Parcel, Seller will provide County Approved 3BR septic layout. Cedars, Oaks, Manzanita - $158,000. 2.5ACRES- Approved septic layout, grading plans, building plans, water meter, all utilities, Big oaks, Paved road - $219,000. 2.63 ACRES -Very private with rural views, Approved County septic layout - $135,000. 2.97ACRES - Unobstructed view property, From Mt Palomar to the Salton Sea, Water meter, County Approved for 3BR residence, All utilities + Cable - $199,000. 8 ACRES - Driveway and pad roughed in, County Approved for 3 BR,Terraced for orchard Area for Pond, Huge Pine Tree, Oaks, Manzanita. View from Mt Palomar to Ranchita $259,000. 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. $520 Space rental - Trash Water, SDG&E extra. REDUCEDI" $120,000 Financial Focus Become Familiar with These Five Key Areas Edward Jones MAKING SENSE OF |NYE,TIG 850 Main St #104 Ramona, CA 92065 (760) 789-2804 Yvonne R Carton As an investor, what are your goals? You can probably think of quite a few but over the course of your lifetime, your objectives typically will fall into five key categories. And once you're familiar with these areas, you can start thinking of what they'll mean to you in terms of your financial and investment strategies. So, let's take a look at each of these areas and see what they might entail for you: 1) Preparing for retirement With advances in health care and a greater awareness of healthy living practices, many of us can expect to live two or three decades in an active retirement. To pay for all those years, you'll need to save and invest early and often. So, while you're working, take full advantage of your 401(k) or other employer- sponsored retirement plan, as well as contribute to a traditional or Roth IRA. After understanding your desired retirement lifestyle, your financial advisor can help you determine how, and how much, to save to provide for your income in retirement. 2) Planning for the unexpected You can't see into the future, so you'll need to prepare for anything that comes your way. By building an emergency fund containing six to 12 months' worth of living expenses, you can possibly avoid dipping into your long-term investments to pay for things such as a new furnace or a major car repair. And planning for the unexpected also means having sufficient life insurance to provide for your family in case anything happens to you. 3) Educating your children College is already expensive and college expenses have been rising faster than the overall rate of inflation. If you want to help your children, or grandchildren, pay for school, you may want to invest in a college savings vehicle, such as the 529 plan. You can contribute large amounts to a 529 plan, and earnings have the opportunity to grow tax-free, provided withdrawals are used for higher education. (Withdrawals not used for education are subject to income taxes and a 10 percent penalty.) 4) Living in retirement Once you reach retirement, your investment emphasis will shift somewhat, from accumulating resources to making them last. By working with a financial advisor, you can develop a withdrawal strategy that can help make sure you don't outlive the income you receive from your 401(k), IRA and other sources. At the same time, given the possible length of your retirement, you can't ignore the need to invest for growth, so you may need to consider some submitted by Yvonne Catton growth-oriented vehicles in your portfolio to help your income keep pace with inflation. 5) Transferring your wealth -- When you've worked hard your whole life, you want tobe able to leave a legacy -- one that allows you to provide financial, resources to the next generation and to those charitable organizations you may wish to support. So, when it's time to think about transferring your wealth, you'll want to consult with yoUr financial and legal advisors to create an estate plan that's appropriate for your needs. And because these plans can take significant time to create, you won't want'rto wait!too long to start. So, there you have them: five key financial areas on which to focus as you travel through life. By doing your homework, planning ahead and getting the help you need, you can make the journey a pleasant and productiye one Do It Yourself Childbirth It was 1969, and baby # 5 was on the way. Being self employed we had no insurance. But l had an adventuresome spirit and decided this was something I could do myself. What was the big deal, I was born at home and childbirth was not an illness, although in that era it was treated as such. My best friend was a willing accomplice although her husband was somewhat less that enthusiastic about the whole idea. We attended a Lamaze class, bought and read a bunch of do it yourself books an d enlisted the help of my long time family doctor. March 7, 2012 Dr. Perrigo had never done a home delivery and was looking forward to the experience too. Unfortunately the baby decided to come on Thanksgiving day. The timing was not good. I had all my in-laws and most of my family for dinner that day. My water broke shortly before the turkey needed to be carved, but we proceeded on My labors were always lengthy and they weren't going to delay the delicious dinner that I had been slaving over. We sent the two younger children home with the in-laws and my friend, and I started walking as soon as the kitchen was cleaned up. We walked all over the neighborhood, but the pains did not accelerate so she finally went home. I spent a restless night with pains coming about 5 to 8 minutes apart. In the morning Pat returned and we continued the walking and prepared the birthing room as the do it yourself books had instructed. When the children were sent home with the in -laws the chosen name was Jennifer if it should be a girl. This was in the days before sonograms so the gender of the baby was unknown until the moment of birth. As Pat and I walked about and talked about the name it suddenly occurred to me that Jenny ( which was what we were going to call her) sounded terrible with Jenkins, the last name that I had at the time. So I decided to call her Angela instead. When the children returned they had made a welcome card for the baby and it was for Jennifer. Isn't it funny how a name so often fits the person to perfection? I can't imagine her at all as a Jenny. She has been an angel (sometimes with horns) all her life. That night the baby finally arrived. The doctor got there in plenty of time and played the organ while I was pushing and straining. His nurse and Pat kept an eye on me and when the doctor came in for the actual delivery, he put on my sons baseball mitt which was nearby, and said "Put it right here, Lily". When it was all over Pat brought Out the birthday cake which I had baked and decorated previously and we all celebrated Angela's only real birthday. A few weeks later when we had her blessed at church everyone was so surprised that she was so beautiful. We found that people lined up on two sides of the home birth issue. The older continued on page 11 [ LUERS & DYER, CPAs, IZP I [ Accounting and ancial statements Tax planning and preparation Rebecca Luers, CPA Mstr Degree in .txation Personal attention to your special needs ,,nola Center. 4367 Hwy 78, Suite 112 p.o. Box 1934 Julian, CA 92036 Tel: 764} 765-0343 Fax: 760 765-0150 Email: rebecca@luerscpa.com | CERTIFIED PUBLIC ACCOUNTANTS huonte Tax and Accountt'ng . ,Full Sertice Firm Jan Dyer, t:PA STIFEL NICOLAUS is pleased to announce the association of Tim Taschler Senior Vice President/Investments in our Del Mar office. Stifel Nicolaus bas been in the business of helping investors since 1890. Call us for more information on our products and services. (858) 755-1614 (877) 892-9461 12544 High Bluff Drive, Suite 190 San Diego, California 92130 Stifel, Nicolaus & Company, Incorporated Member SIPC and NYSE 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 lUMPING ON THIS PROGRAM. CALL NOW TO GET STARTED. IF IT DOES NOT MAKE SENSE [ WON'T PUT YOU INTO THE LOAN. CALL ME WITH QUESTIONS... 619-561-6241 FAX: 619-749-3667 CELL: 61%316-7732 Mike McIntosh MORTGAGE LENDER NMLS#: 226000 BACK COUNTRY SPECIALIST EMAIL: LMC INTOSH@AMERI F I RST.U S SAN DIEGO. CA 92121 1' Licensed by the Department of Corporatwns under thp  ICI INC. CaliforniaResidentialMortgageLendingAct813-G596 LENDER SCAN ({1)4{ WITH YOUR SMARTPHONE TO MAKE AN APPOINTMEN-f AND FOR OFFERS Get the free QR reader at your smartphone app store CHRISTINE CATALINA TAX ADVISOR ACCOUNTING SERVICES FINANCIAL PLANNING 'TAX PLANNING TAX PREPARATION 2o15 Main Street, Suite F P.O. Box 2456 Julian, CA 92036 www.ccta.mobi (760) 765-1o5o No smartphone Enter www.ccta.mobi in your P or Mac browser for appointment r 1 T NIIIAI{Y PUI|LIC Becky Gambrill0000 om00:760-765-27601 al: 760-533-4429 / \\; Please call / for an a##ointmetlt