Newspaper Archive of
The Julian News
Julian , California
April 4, 2012     The Julian News
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April 4, 2012

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8 The Julian News Apple Junction Real Estate, I Paul Bicanic 0wner/Broker Active over 30 years full time in Julian Real Estate 760,765,2878 / 760,484,77 April 4, 2012 ]ulian Kand For .$aln .91ACRES - 2 Bedroom septic in ground, water, electric, house plans - $110,000 1ACRE- Large Potential with water meter - $45,000. 1ACRE- Seller will provide County Approved septic layout - $50,000. 1.19 ACRES - Recently surveyed, Nice building site with existing septic system, all Harrison Park - $110,000. 1.29 ACRES - Approved 3 Bedroom septic layout, outstanding views - $42,000  NEW Z5 ACRES - Fabulous View and Privacy - $49,000. =l REDUCED 2.5ACRES - View from Coronados to Catalina, Driveway and pad roughed in, Water meter, motivated to negotiate All CASH Offer - $85,000. ! 2.5 ACRES - Water meter, County Approved 3BR septic layout, Vew, House plans - $110,000. i 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 iseptic layout. Cedars, Oaks, Manzanita - $158,000. 2.5ACREfS- 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. 4 8 ACRES - Driveway and pad roughed in, County Approved for 3 BR,Terraced for orchard, _O,' Area for Pond, Huge Pine Tree, Oaks, Manzanita. l 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 Home in Golden Nugget Parkl 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 ]Financial Focus Early IRA Funding Can Pay Off Over Time You've got until April 17 to contribute to your Individual Retirement Account (IRA) for the 2011 tax year. That's not a lot of time, but if you have some money available, arid you haven't completely funded your IRA for 2011, consider doing so before the deadline. And once you've "maxed out" on your IRA for last year, why not get a jump on 2012? Actually, you could have started contributing to your 2012 IRA as early as Jan. 2. In fact, if you can get into the habit of fully funding your IRA each January, you'll gve your money 15 extra months of growth potential, as opposed to waiting until mid-April of the following year. If you factor in all the years you'll be contributing to your IRA before you retire, those extra months of growth opportunities, repeated over decades, could end up providing you with a fair amount of extra cash when you start tapping into your IRA at retirement. Of course, you may not find it all that easy to come up with the full IRA contribution amount at one time. (In 2012, you can put up to $5,000 into a Roth or traditional IRA, or $6,000 if you're 50 or older.) But if you look at your entire financial picture, you may be able to think of some resources. Here are a few suggestions: Put your tax refund to work. In 2011, the average tax refund was about $3,000, according to the IRS. If you received that amount in 2012, and you applied it toward your IRA, you would already have met half the contribution limit (if you are 50 or older) or more than half (if you're younger than 50). FlwardJones" 850 Main St #104 Ramona, CA 92065 (760) 789-2804 submitted by Yvonne Catton Take advantage of interest payments or dividends. If you own income-producing investments, you may find that they can help you fund your IRA early. For example, if you own dividend-paying stocks, and you don't typically reinvest the dividends, consider putting some of these funds into your IRA. (Keep in mind, though, that stocks can reduce or discontinue dividends at any time). And you can do the same thing with any interest payments you receive from bonds. Put other "windfalls" into your RA. If you receive a windfall, such as a bonus from your employer or a gift of cash, think about putting it into yourIRA. If none of these options present themselves, and you can't afford to write out a big check to fund your IRA very early in the year, do the best you can to reach the contribution limit as soon as possible. To make this happen, consider setting up a monthly automatic transfer from your checking or savings account into your IRA. Even if you were to divide these transfers into 15 equal payments totaling $5,000 (or $6,000 if you're 50 or older), you would still be funding your IRA more quickly than if you would have scrambled to contribute in the last few months before the tax filing deadline. No matter when you do it, fully funding your IRA is a great way to help build resources for retirement. But the earlier, the better -- so do whatever you can to beat that tax deadline each year. Business Consulting Accounting Financial Statements Tax Planning and Preparation Individual Business Trust Nonprofit E/ablihcd 1994 CHRISTINE CATALINA TAX ADVISOR ACCOUNTING SERVICES FINANCIAt PLANNING TAX PLANNING }l TAX PREPARATION SCAN WITH YOUR 2015 Main Street, Suite F SMARTPHONE P.O. Box 2456 Julian, CA 92036 TO MAKE AN APPOINTMENT AND FOR OFFERS Get the free QR reader at ,ur smartphone apt slore (760) 765-o5o No smartphone Enter www, in your PC or Mac browser for appointment Death Is At The Door I' have never had a fear of dying. My strong faith that there is a better after life took away any qualms that I might have felt. Now the process of dying is a different matter. I cared for my mother the last three years of her life, and watched my best friend succumb to melanoma. Neither one was something that I would wish on my worst enemy, but I know that they are both in a wonderful place filled with love and peace and where there is no pain. However now that death is looking in my door, I think of the grand-daughters ;that I want to see get married. What kind of men will they chose as their life mates I want to see how my grand sons turn out, what kind of men will they be. Will my grand- children be more successful at marriage that I was I would like to eat a peach from ,,the tree I planted last year, and live to can some more berry jam to eat over a dish of ice cream with my grand-daughter. Or have peanut butter and berry jam on toast with some bacon on top .... LUERS & DYER CPAS, LLP Cfi RTIFIED PUBLIC ACCOUNTANT,S 760 765-0343 Wynola Center. 4367 Hwy, 78. Suite 112 Santa Ysabel. CA 92070 ANTHONYJ, ROMAN0 Attorney-At-Law Real Estate, Estate Planning, Business and Water Law {619) 696-9916 1901 First Avenue, Suite 110 San Diego, CA. mmm that's good. How successful will my daughter be in her new career, and what will my older children who are nearing retirement age do with their golden years. I would like to tel a few more jokes and catch a few more people believing me when I tell them a tall tale, and hear the laughter and the jokes as they remind someone else of a like story. I would like to have my children, grand-children, great-grands and al the in-laws around me as we share a meal and the fun and love that is always so thick you could cut it like the pizza we are eating. I would like to sit with my girl friends and chat about whatever it is that we always seem to find to chat and laugh about. To remember the things we did when we were your age. To share our aches and pains and commiserate with one another and leave feeling better because of the love we share. Yes, now that my time is drawing near I can think of a lot of reasons that I don't want to go yet. So I hope that all of you dear family and friends remember J NOTARY PUBLIC /Becky Gambril00, l c00n. 760-533-4429 Please call / for an appointmetlt me when you tell a joke, eat ice cream, or have a get together with kith and kin. Remember me and know that I am sharlng your laughter and smiles and 10ve from the other side. And kno W that I know that I have been blessed while on this earth with he best family and friends 'that anyone could have. Thank you all. P.S. No I'm not dead yet! Birthday On April third I celebrate The anniversary of my birth, Now passed four score less two. Wrinkled and yelling I entered in, and After all these years, nothing has changed. If you're not at your last job, why is your 4ol(k)? Yvonne P Catton Financial Advisor lec4z0 Brian Fuller. editorial director. EE Life, UBM Electronics. is driving cross-country in search of innovation, courtesy of sponsor Avnet Express. He "s making the trip in an electric car - a Chevrolet Volt. For updates on the trip, contests and a chance to win an electric car, visit ww drivefor innovation.corn Crude Oil I U.$. Dollar I $&P I Is your portfolio properly positioned to rake 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 12544 High Bluff Drive, Suite 190 San Diego, California 92130 Stifel, Nicolaus & Compan3; Incorporated Member SIPC and NYSE THIS LOAN IS HERE NOW!!! IS YOUR HOME LOAN UNDERWATER? HAVE YOU MADE YOUR LAST 6 PAYMENTS ON TIMId? IT TOOK THEM A WHILE BUT THE LOAN IS NOW HERE AND WE ARE CLOSING LoANs. FOR THE NORMAL LOAN IN YOUR ARIA, WE ARE LOOKING AT HIGH 3% TO LOW 4%. CALL ME WITH TItE ADDRESS AND YOUR NAME AND I WILL GO ON SITE TO SEE IIF YOUR LOAN WAS SOLD TO FANNIEMAE OR FREDI IN MANY CASES YOU CAN GO FROM A 30 YEAR TO A 15 OR YEARS LOAN AND NOT INCREASE YOUR PAYMENT. IN PAYMENT WILL BE LOWER. OFFER EXPIRES DECEMBER 31ST. 201 GET 1T STARTED NOW WHILE RATES ARE DOWN. ONCE IF THIS LOAN DOES NOT MAKE SENSE TO YOU l WON'T PUT INTO IT. ANY QUESTIONS PLEASE CONTACT ME. RULE OF IF I CAN COVER MY COSTS IN A 5 YEAR PERIOD IT MAKES SEN { IN MANY CASES WE ARE COVERING COSTS IN LESS THAN 2 YEAf ALSO DOING FHA VA. CONVENTIONAL. LOG HOMES MANUFACTURED HOMES AND CONSTRUCTION LOANS. 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: MMCINfOSH{ 6370 LUSK BLVD. F209 SAN DIEGO. CA 92121 Licensed by the Department of Corporattons under tha 11o Ca iforn a Res den al Mortgage Lending Act 813-G596 llllllltl;illi l!]' [l![II]]ll]