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March 28, 2012     The Julian News
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March 28, 2012
 

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8 The Julian News rApple Junction Real Estate, Inc. Paul Bicanic Owner/Broker Active over 30 years full time in Julian Real Estate www.AJRE.com 760.769.2878 / 760.484.7798 #ulian Land Far Sale .91ACRES -2 Bedroom septic in ground, water, electric, house plans -$110,000  NEW 1ACRE. Large Potential with water meter - $45,000. 1ACRE. Seller will provide County Approved septic layout- $50,000. 1.19ACRES. Recently surveyed, Nice building site with existing septic system, all utilities available, Harrison Park - $110,000. 1.29 ACRES - Approved 3 Bedroom septic layout, outstanding views - $42,000  NEW 2.S ACRES - Fabulous View and Privacy - $49,000  REDUCED 2.5ACRES. 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.SACRES. 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 - $158,0D0. 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. 2.77ACRES - Foundation, 3 Bedrcc system, water storage tank - $109,000 2.97ACRES - Unobstructed view property, From Mt Palomar to the Salton Sea, Water meter, County Approved for 3BR residence, All utilities + Cable- $199,000. 6 ACRES . Driveway and pad roughed in, County Approved for 3 BR,Terraced for orchard, Xe,  Area for Pond, Huge Pine Tree, Oaks, Manzanita.  REDUCED View from Mt Palomar to Ranchita - $259,000. 9.92ACRES- Usable parcel; with Well, Storage Tank, 3 BR septic system in ground, view - $135,000 13 ACRES - Usable undeveloped parcel. Level to rolling to sloping (Ranchita) $60.000. 2002 Manufactured H am-e- 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. REDUCED0000" $120,000 The Comeback Kid by Peaches Boland How do you come back from losing all you ever wanted? I am an athlete; I live for sports, one in particular, Softball. Softball is my passion, I am a catcher, and behind the plate is where I belong. I have been playing softball for eight years now, but truly fell in love, my freshman year, when The Julian Lady Eagles took Division five league champs. This inspired me to continue playing. I am now a senior and Captain of the Lady Eagles Softball. During my junior year, ata game all the way out in hot Vincent Memorial, I was catching, and made a throw to second base, and at that instant, a pain shot all the way through my shoulder. I needed to finish the season, as my love for the sport. As the end of the season came near, I got, Hit in the shoulder, and a big painful, POP, ran through my joint. I was Rushed to Urgent care in San Diego, and the Doctor sent me on my way in a sling and told me to not play for a week. My love dominated my pain and I finished the season. So all in all, the injury is on me now...But when I finally did take the break the doctor requested of me, I still did not feel better. I made an appointment with the orthopedic doctor to find out if I had torn something. The doctor did an Xrray, on the spot but found nothing but he scheduled me physical therapy. Two months of Physical therapy and a MRI later I find out continued on page l l Financial Focus Are You Prepared for Long-term Care Costs Like everyone else, you hope to remain physically and financially independent your entire life. And you may well achieve this goal. Nonetheless, the future is not ours to see, so you'll want to prepare yourself for as many contingencies as possible -- one of which is the high cost of long- term care: As you may know, long-term care primarily refers to nursing home expenses, but it also includes services provided in your own home. In either case, though, it could be expensive. The national average rate for a private room in a nursing home was more than $87,000 per year in 2011,according to the 2011 MetLife Market Survey of Long- Term Care Costs. The same survey found that the average private-pay hourly rates for home health aides and homemaker companion services were $21 and $19, respectively. With luck, of course, you won't need to worry about these types of expenses. But consider this: People who reach age 65 have a 40% chance of entering a nursing home, according to a study by the U.S. Department of Health and Human Services. And about 10% of those who enter a nursing home will stay there five or more years. Clearly, if you take no steps to prepare yourself for the potentially devastating, costs of an extended nursing home stay, you could be jeopardizing the assets you've worked so hard to accumulate. Even worse, if you run through your money, you might end up creating a financial and emotional burden for your grown children. Unfortunately, many people Edward Jones MAKING SENSE OF INVESTING 850 Main St #104 Ramona, CA 92065 (760) 789-2804 Yvonne P. Catton submitted by Yvonne Catton assume that a federal or state government program will help tfiem pay for their long-term care expenses. However, Medicare pays only a small portion of nursing home costs, and to be eligible for Medicaid, you would likely have to divest yourself of most of your financial assets. Consequently, you'll probably need to find another way to pay for long-term care. Fortunately, there are investment or protection vehicles designed specifically to help you meet long-term care expenses. Your.financial advisor can help you pick the option that's most appropriate for your individual situation. Having the ability to pay for long- term care is obviously important. But other issues may also enter the picture. For example, if you need to enter a nursing home, you may be suffering from a physical or mental disability that might prevent you from handling your own affairs. This impairment could prove disastrous to your finances -- which is why you can't afford to take that type of chance. Instead, consult with your legal advisor to determine if you can benefit from a durable power of attorney -- a document that lets you delegate your financial decisions to a relative, close friend or anyone else you might choose. None of us like to think about spending time in a nursinghome or needing round-the-clock care in our own homes. However, life is unpredictable. But even if you can't avoid the need for long- term care, you can take steps to help reduce the financial strain it can cause you and your family. CHRISTINE CATALINA TAX ADVISOR ACCOUNTING SERVICES FINANCIAL PLANNING ITAX PLANNING @ TAX' PREPARATION SCAN WITH YOUR 2015 Main Street, Suite F SMARTPHONE P.O. Box 2456 Julian, CA 92o36 TO MAKE AN www.ccta.mobi APPOINTMENT (760) 765-1050 AND FOR OFFERS No smartphone Enter www.ccta.mobi in your PC Get thefreeQRreaderat yoursmarlphoneappstore or Mac browsel: for appointment Business Consulting Accounting Financial Statements Tax Plannin{, and Preparation lndi\\; idual BtJincss Trusl N{mpr{flit Iisl:lhlishcd I c)t)4 ,t i l t Lets Go Vote On November second 2004, wewent to do our civic duty. Fred was eager to cast his vote for Ralph Nader. In his impatience to sign in, he happened to write his name on the line above the one he should have used, which created a minorflap. He just wanted to register his vote for the next president of the United States, for a man who thinks like he does. The election board official was fluttering around trying to correct the thing about the wrong line as Fred proceeded to the next person. This lady explained to me and then to him, about using a felt pen to fill in the little oval beside our choice of candidate or proposition. He was thinking about how much he.disliked both Bush and Kerry, so he must have missed this bit of information. Nader is his man, a thinking man like him. He wanted to get to the.booth so he could write in his candidates' name and cast his vote for the next leader of the free world. I finished my voting and then krowing Fred might have trouble seeing, even with the magnifying glass he had brought along, I went to his booth to see if he needed assistance. He had already punched out most of the first page of names. It wasn't easy to do and the tip of his felt pen looked more like a cigar than a pen, and was almost useless by that time. Maybe that was why the woman in the bodth next to his kept looking over at him with a puzzled expression from time to time. I reminded him that we were not punching out chads as in the last election but were instead filling in a little oval on the ballot. I took his mutilated ballot back to the desk, where the flustered official folded it and then with obvious disgust wrote, "SPOILED", across it. She issued a new ballot for him. He wanted to hide beneath the counter and crawl out of the voting place, but the woman in the next booth had him blocked in, and he wasn't leaving without casting his vote for his man. The next day when Kerry made his concession speech he said he wished he could give all of his supporters a hug. When Nader made his concession speech he showed the world what a great president he would have made, and gave both of his supporters a hug. Fred enjoyed that. Oh, would that my mind could let fall its dead ideas, as the tree does its withered leaves! -- Andre Gide r I T NIl IAIII I)IJilLi(00 Becky Gambrill2 me.760-765-27601 e.: 760-533-4429 ) Please call // for an a/}l}ointment J ".. 0/.. .- X%,,/ LUERS & DYER CPAS, LLP CERTIFIED PUBLIC ACCOUNTANTS 760765-0343 REBECCAorJAN@LuersCPA.com www.LuersCPA.com Wynola Center, 4367 Hwy. 78, Suite 112 Santa YsabeL CA 92070 March 28, 2012 Don't Just Think About Retirement--- Plan For It By Tim Taschler, CMT, CFP Senior Vice President/Investments Stifel Nicolaus Just a generation ago, planning for retirement was simple. By adding together company pensions and Social Security benefits, most employees .could figure out how and when they could retire comfortably. Today, retirement planning is more complex. It's also more, challenging. For example, we are all keenly aware of the well-documented shortfalls in Social Security and the disappearance of Company pensions. As we look forward to retirement, we must also consider longer life expectancies and a rising cost of living. For these and other reasons, many of us are compelled to assume more and more responsibility when it 9omes to ensuring our own retirement goals. For many of us, retirement stands as one of our most important financial objectives. So whether you're nearing retirement or 'simply planning ahead, you've probably asked yourself the same question that so many other individuals have asked themselves: "Am I saving enough to enjoy my retirement years?" By planning now and planning wisely, you can take the steps necessary to finance your retirement. The following six-step process can help you plan for a secure, comfortable retirement. 1. Determine Your Retirement Needs and Goals. Whether it's financial security or realizing lifelong dreams, attaining your retirement objectives requires a bit of foresiglit. Perhaps you hope to travel. On the other hand, perhaps you're happy to stay at home, spending time with family and friends. Depending on your plans, your financial needs could range from 70 to 100 percent of your current income to support your lifestyle. 2. Choose the Right Time to Retire. While most of us hope to retire early, many of us set unrealistic goals. To adequately finance your retirement, you may need to work longer than you would like. Your needs and goals will determine how long you must work to finance your retirement. If you hope to retire at age 50, for example, you might forgo the purchase of a second home. If you retire at 60, that second home might be included in your retirement goals. 3. Estimate Your Current Retirement Benefits. By analyzing your current retirement benefits, you can estimate how much income you will receive from Social Security and company per)sion plans. Such income will help offset the amount of money you need to save for retirement. Of course, you should make sure your estimates are reasonable and not based simply on current benefit levels. 4. Review Your Current Retirement, Savings. Preparing a net worth statement can help you adequately assess how much you've already saved for retirement. Such a statement is simply a listing of what you own (assets) and what you owe (liabilities), with the difference representing your net worth. Preparing such statements on an annual basis will help you evaluate the progress you're making toward long-term goals. Also, when reviewing your retirement savings, you should review Your other financial needs for the future. 5. Develop Your Retirement Savings Plan. To develop a plan, start by estimating how much the retirement lifestyle you envision would cost today. Now, adjust these amounts for inflation. This should give you an idea of your total capltal needs at retirement. Next, determine how much you need to save on a monthly, quarterly, or annual basis, 6. Review Your Retirement Plan. By reviewing your retirement plan annually, you can evaluate your progress. This process also will allow you to make any needed changes to your plan. Tim Taschler is a Senior Vice President/Investments with Stifel, Nicolaus & Company, Incorporated, Member SIPC and New York Stock Exchange, and can be contacted in the Del Mar office at (858) 755-1614. Warner FFA Trail Rides The Warner Spring's FFA is excited to announce this year's Trail Ride Series. All proceeds raised from this fundraiser will be used to send students to the California StateFFA Leadership Conference in Fresno, CA. Schedule and Pricing: April 13-15 Eagle Rock Trail Ride $100.00 Warner Springs (Sponsored by Warner Springs Ranch) April 27-29 Lost Valley Trail Ride $150.00 Lost Valley Boy Scout Camp (Sponsored by Warner FFA) May 18-20 Los 13oyotes Trail Ride$100.O0 Sponsored by the Los Coyotes Indian Reservation (The Benefit Trail Rides will all include lots of campfire cooking) R.S.V.P 5 days prior to event- Make Checks Payable to WUSD, P.O. Box 8 Warner Springs, Ca 92086 For more information Contact: Sherri Freeman E-mail: freemans@sdcoe.k12.ca.us' or Phone #: 951-204-8697. Thank you for your support! Crude Oil I U.S. Dollar I S&P l Is your portfolio properly positioned to take advantage of today's environment? If your advisor has not set an appointment-to review your investments, we offer free consultations. Tim Taschler SEnior Vice PresidentInvestments (858) 755-1614 taschlert@stifel.com 12544 High Bluff Drive, Suite 190 San Diego, California 92130 tifel, Nicolaus & Company, Incorporated Member SIPC and NYSE THIS LOAN IS HERE NOW!!! IS YOUR HOME LOAN UNDER WATER? HAVE YOU MADE YOUR LAST 6 PAYMENTS ON TIME? IT-TaCK THEM A WHILE BUT THE LOAN IS NOW HERE AND WE ARE CLOSING LOANS. FOR THE NORMAL LOAN 1N YOUR ARIA,. WE ARE LOOKING AT HIGH 3% TO LOW 4%. CALL ME WITH THE ADDRESS AND YOUR NAME AND I WILL GO ON SITE TO SEE 1F YOUR LOAN WAS SOLD TO FANNIEMAE OR FREDDIEMAC; 1N MANY CASES YOU CAN GO FROM A 30 YEAR TO A 15 OR 20 YEARS LOAN AND NOT INCREASE,YOUR PAYMENT, IN MANY CASES PAYMENT WILL BE LOWER. OFFER EXPIRES DECEMBER 31ST, 2013. GET IT STARTED NOW WHILE RATES ARE DOWN. ONCE AGAIN 1F THIS LOAN DOES NOT MAKE SENSE TO YOU 1 WON'T PUT YOU INTO IT. ANY O..UESTIONS PLEASE CONTACT ME. RULE OF THUMB 1F 1 CAN COVER MY COSTS IN A 5 YEAR PERIOD IT MAKES SENSE. 1N MANY CASES WE ARE COVERING COSTS IN LESS THAN 2 YEARS. ALSO DOING FHA. VA, CONVENTIONAL, LOG HOMES, MANUFACTURED HOMES Mike AND CONSTRUCTION LOANS. McIntosh CALL ME WITH QUESTIONS... MORTGAGE LENDER 619-561-6241 NMtS.: 226000 ll [ FAX: 619-749-3667 BACK CoumP, Y CELL: 619-316-7732 SPECIALIST i _ I __..--A .... LV*-,..-- 6370 LUSK BLVD, F209 00/LM00flrlRbI sAN DIEGO, CA 92121 ' 'T i "ltYfrlr IT lr3Irl"v Liceed by the Department of Corporations der the t  LII*]L..j.. LI, ClaliforniaResidential Mortgage Lending Act 813-G596 LENDER I A