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The Julian News
Julian , California
April 11, 2012     The Julian News
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April 11, 2012

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8 The Julian News Apple Junction Real Estate, Inc. II Paul Bicanic Owner/Broker :ll Active over 30 years full time in Julian Real Estate I 760.765.2878 / 760.484.7793 lulian Kand Par Sala .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. 1.19 ACRES. 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 'p N EW 2.5ACRES - 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. 2.5ACRES - 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. 2.77ACRES. 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, Area for Pond, Huge Pine Tree, Oaks, Manzanita.  REDUCED j View from Mt Palomar to Ranchita - $259,000. j 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 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 Financial Focus Put Time, Tax Advantaged, Investments - On Your Side If you're relatively young, and you've been investing only a few years, you possess an asset that is invaluable and cannot be replaced: time. And the more time you spend contributing to tax-advantaged investments, the better off you may be. As an investor, time is your ally for two reasons. First, the more time you give to your growth-oriented investments, the greater their growth potential. And second, the effects of market volatility have tended to decrease over time, though as you no doubt have heard, past performance is not a guarantee of future results. Clearly, it pays to put time on your side. And when you're investing in tax-advantaged vehicles, time becomes an even more critical component of investment success, especially when you are young and have several decades ahead of you before you retire. Suppose, for example, that you put $200 per month into an investment on which you paid taxes every year. If you earned a hypothetical 7% return on this investment, you'd end up with about $324,000 after 40 years. But if you put that same $200 per month into a tax-deferred investment, such as a traditional Individual Retirement Account (IRA), and you earned that same 7% return, you'd wind up with about $513,000 after 40 years. Of course, once you starting taking withdrawals, presumably when you're retired, youlll have to pay taxes on your earnings, so your after-tax accumulation would be about $385,000, assuming you took your IRA in a lump sum (which most people don't) and also assuming you were in the 25% tax bracket. However, by the time you retirel you may be in a lower bracket. Plus, you have some control over how much you withdraw each year, so you may be able to affect the taxes you'll pay. Furthermore, depending on your income level, your contributions to a traditional IRA may be tax-deductible in the years in which you make the contributions. (Keep in mind that this hypothetical example is for EdwardJones MAKING SENSE OF iNVEST,NG 850 Main St #104 Ramona, CA 92065 (760) 789-2804 Yvonne P. Catton submitted by Yvonne Catton illustrative purposes only and does not represent a specific investment or investment strategy.) While tax deferral is obviously a nice feature for an investment, tax-free may be even better. If you meet the income requirements, you might want to consider investing in a Roth IRA, which provides tax-free earnings withdrawals, provided you've held your account for at least five years and you don't start taking withdrawals until you're at least age 59. This means that, in the above example, you'd have accumulated that same $513,000 but you won't have to pay taxes on your withdrawals. Generally speaking, the Roth IRA may make more financial sense for those who are eligible, but if you think you'll be in a lower tax bracket when you retire, and your income level permits you to deduct some of your contributions, you may want to consider a traditional IRA. Consult with your tax advisor for guidance on the most appropriate approach for your situation. When it comes to building - resources for retirement, it's almost impossible to save and invest "too much." So take full advantage of both time and tax,advantaged investments. By putting these investments to work for you, and by keeping them at work, you'll be putting time on your side as you work toward your financial goals. St. Jude Children's Research Hospital changed how the world fights eaneerNnow more than 80 percent of patients survive. Visit www.stj'ude, org. Business Consulting Accounting Financial Statements Tax Planning and Preparatior Individual Business Trust Nonprofit Eslablished 1994 LUERS & DYER CPAS, LLP 'CERTIFIED PUBLIC ACCOUNTANTS 760 765.0343 Wynola Center, :436/Hwy. 78, Suite 112 Santa Ysabel, CA 92070 Dr. Mary Hawkins, president of Bellevue University, says more than 2.5 million people over the age of 30 currently attend college in the U.S. Learn more at www.makeithappen now:org. Horsing Around Over Spring Break Ashlyn Ortiz, from El Cajun, who came to Julian to enjoy a special Easter egg hunt on horseback during the Easter Camp with Integrity Stables this week. She is riding with her cousin, Avery McFedries. Maggie Schuett during an "egg and spoon carry" on horseback, just one of the games played during Easter Camp with Integrity Stables. April 11, 2012 Wild Over Greens continued from page 1 greens all over Julian, and Cristi will be showing Julian residents which wild greens are edible, how to correctly identify them, and why eating them is so good for your health. We will have plenty of freshly ' harvested greens to sample during this talk, so please join the Julian Healthy Living Group for this fun and appetizing talk. Held at the Julian Library on Wednesday, April 11th, at 6:00 pm. If you're not at your last job, why is your 4oz(k)? Yvonne P Catton Financial Advisor I',hardlones CHRISTINE CATALINA Tax ADVISOR ACCOUNTING SERVICES FINANCIAL PLANNINGITAX PLANNING  TAX PREPARATION SCAN WITH YOU R 2o15 Main Street, Suite F SMARTPHONE P.O. Box 2456 Julian, CA 92036 TO MAKE AN APPOINTMENT AND FOR OFFERS Get the tree QR reader at your smartphone app store (760) 765-105o No smartphone Enter www, in your PC or Mac browser for appointment Crude Oil I U.S. Dollarl S&PI 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 12544 High Bluff Drive, Suite 190 San Diego, California 92130 Stifel, Nicolaus & Company, Incorporated Member SIPC and NYSE ANTHONYJ, ROMAN0 Attorney-At-Law Real Estate, Estate Planning, Business and Water Law (619) 696-9916 1901 First Avenue, Suite l l0 San Diego, CA. ()TAilY PIJBLIC ecky Gambrill00 me: 760-765'2760 eU. 760-533-4429 Please call // for an ahhointment . THIS LOAN IS HERE NOW!!! IS YOUR HOME LOAN UNDERWATER? HAVE YOU MADE YOUR LAST 6 PAYMENTS ON TIME? IT TOOK THEM A WHILE BUT THE LOAN IS NOW HERE AND WE ARE CLOSING LOANS. FOR THE NORMAL LOAN IN YOUR AREA, WE ARE LOOKING AT HIGH 3% TO LOW 4%. CALL ME WITH THE ADDRESS AND YOUR NAME AND l WILL GO ON SITE TO SEE IF YOUR LOAN WAS SOLD TO FANNIEMAE OR FREDDIEMAC. IN 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 IF THIS LOAN DOES NOT MAKE SENSE TO YOU I WON'T PUT YOU INTO IT. ANY QUESTIONS PLEASE CONTACT ME. RULE OF THUMB IF l CAN COVER MY COSTS IN A 5 YEAR PERIOD IT MAKES SENSE. IN MANY CASES WE ARE COVERING COSTS IN LESS THAN 2 YEARS. 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 McIntosh MORTGAGE LENDER NMLS#: 226000 BACK COUNTRY SPECIALIST *,A ,=. EMAIL: MMCI NTOS H@AMERIFI RST.US IRST 6370 LUSK BLVD, F209 SAN DIEGO, CA 92121 Lkeed by the Department of Corporations under the  1CI ]C. CalifmiaResidential Mrtgag e Lending Act S13-G596 LENDER