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The Julian News
Julian , California
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May 11, 2011     The Julian News
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May 11, 2011
 

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8 The Julian News =]ulian Land or Sale: """' o, The Times 1 ACRE - High Desert, Shelter Valley, Terraced building site, Flat and usable - $33,000. 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 - $119,000. 2.5 ACRES - Fabulous View and Privacy - $59,000. 2.5 ACRES, 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, CountyApproved 3BR septic layout, Great view, Approved house plans- $110,000. 2.5 ACRES - Paved roadsl 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. 2.5 ACRES - 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, Seller will provide Approved County septic layout. $135,000. 2.97 ACRES - 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 - $319,000. 12.9 ACRES - Pine Hills Area, Very private at the end of the road, Large expansive views, Will trade + CASH for Julian Residence - $289,000. Apple Junction Ileal Estate, Inc. Paul Bicanic Owner/Broker Active 30 years full time Julian Real Estate 760.765.2878 / 760.484.7793 www.AJRE.com 2002 Manufactured Home in Golden Nugget Park. 2 Bedroom, 2 Bath, 1644 .s.f. + 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. $130,000 Financial Focus + Edward Jones MAKING SENSE OF INVESTING Lifetime Income: 850 Main St #104 Ramona, CA 92065 A Great Mother's (760)789-2804 Day Gift Yvonne P. Catton Mother's Day will soon be here. If you're a mother, you will (hopefully) receive thoughtful cards and gifts. But there's one present you may eventually want to give yourself, and it's a gift that truly does keep on giving: a strategy for your retirement. Of course, it's important for everyone to build adequate financial resources for retirement but the challenge is even greater for women. Largely due to family responsibilities, women spend, on average, 12 years less in the workforce than men, according to the Women's Institute for a Secure Retirement. Less time in the workforce equates to lost earnings, missed promotions, smaller and fewer raises and reduced retirement plan benefits. In fact, men have, on average, about $91,000 in Individual Retirement Accounts (IRAs), including all IRA types and the amounts rolled over from other retirement accounts into IRAs, compared to just $51,000 for women, according to a recent report issued by the Employee Benefit Research Institute. Whether you're married, divorced, widowed or single, you'll want to build financial resources of your own and be prepared to manage your finances during your retirement years. You'll be helping yourself, and, by becoming financially independent, you'll also avoid the possibility of depending on your grown children for support. To help ensure a financially secure retirement, consider these ideas: Fully fund your IRA each year. As the numbers above show, women are way behind men when it comes to funding their IRAs. And IRAs, with their tax advantages, are great retirement- savings vehicles. A traditional IRA have the potential to grow on a tax-deferred basis, white Roth IRAs have the potential to grow tax-free, provided you've had your account at least five years and you don't start taking withdrawals until you're 59-1/2. So make it a priority to "max out" on your IRA each year. In 2011, you can put in up to $5,000 to a traditional or Roth IRA, or $6,000 if you're 50 or older. Boost your 401(k) contributions. Put in as much as you can afford to your 401(k) or other employer- sponsored retirement plan. At the very least, contribute enough to earn your employer's match, if one is offered. (In 2011, you can put in up to $16,500, or $22,000 if you're 50 or older.) Your earnings have the opportunity to grow tax- deferred and you have a range of investment options, so your ' 401(k) or other retirement plan can be an effective, flexible way to put money away for the future. Invest in an annuity. If you've reached the contribution limits of your IRA and 401(k), you may want to consider purchasing an annuity, which can be structured to provide you with regular payments for the rest of your life. And this lifetime income source is especially important to women, who, at age 65, can expect to live, on average, almost 20 more years, compared to slightly over 17 for men of the same age, according to the Centers for Disease Control and Prevention. As a mother, you willingly spend a great deal of time and effort on your children. But it's important to also think about yourself and your future, so review your strategy for retirement with your financial advisor, and take the actions needed to help make sure you can enjoy all the Mother's Days of your life in the comfort you deserve. Community Banking Edward ones VICTORIAN CLASSIC Judy Veronica Raines Custom built with upgrades. 3BR, 2BA, pecan wood Clark views 760-604-1946 floors. Carved wood mantle fireplace. Spectacular " 760-803-3582 DRE#OI350842 through many windows. Wrap around deck. Oversized DRE#01092197 garage. (H0009011) Experienced In All Aspects of Real Estate by Kiki Skagen.Harris Visual pollution is creeping up the mountains like smog, cluttering up our back country roads and loading us down with big city values. What is this about? Look around. When SDG&E installed its "smart meters" it also installed big metal boxes at regular intervals. These are sort of tan, presumably to blend in with the tan hillsides. Except our hillsides aren't tan, they gold when they aren't green (although The Husband obdurately says "brown" but he's from the East Coast and doesn't know better) and the boxes aren't brush tan. They are industrial metal box tan to gray and ugly. Also large. Then the County Road people recently installed all kinds of signs. Presumably this is to distract our attention from the potholes they aren't fixing. On Pine Hills Road you meet a sign that indicates a curve ahead and sets a limit of 25 mph. True to form, the limit is 10 miles below the speed a stranger can safely go, 15 miles or more below the speed locals use on that particular set of curves, and some 25 miles below the speed teenagers in pickup trucks... don't ask how I know; those curves have been around a long , time. Flatlanders, not being used to two lane country roads, slow way down anyway. Then there is another sign by the Barnes' place indicating a curve. VERY useful for a curve in clear view. continued on page 15 / / / Utility boxes and traffic signs, ruining the rural view? LOG HOME? NEED FINANCING, gEFI ? I SPECIALIZE IN LOG HOMES, DOME HOMES AND BACK COUNTRY CUSTOM MORTGAGES, FHA, VA, CONVENTIONAL, MANUFACTURED, MODULAR REFERENCES AVA[ LABLE MORTGAGE LENDER Mike Mclnto'sh BACK COUNTRY SPECIALIST " L. NMLS#:226000  ''. 619-561-6241 FAX: 619-749-3667 6370 LUSK BLVD, F209 I SAN DIEGO, CA 92121 | Licensed by the Department of Corporation,, under the l CctS13-G596 kDER COMPLIMENTARY INVESTMENT SEMINARS Yvonne P Catton Financial Advisor 850 Main St #104 Ramona, CA 92065 760-789-2804 www.edwardjones.com Member S4PC ANTHONYJ, ROMAN0 Attorney-At-Law Real Estate, Estate Planning, Business and Water Law (619) 696-9916 1901 First Avenue, Suite 110 San Diego, CA. May 11, 2011 In The Drivers Seat "Let me drive, please Mom, can I drive, please?" I was nine years old when Mom began letting me drive from the highway, up the hill, to the house. She didn't do this every time, but I would start begging when we left town. If there was no hurry she would scoot over to let me get behind the wheel: I didn't do much shifting of gears at first, but all that eventually came. One day my brother, Allan, let me drive his car from the "sand" up to the house. I got behind the wheel as he climbed in on the other side. I am so excited that I keep letting the clutch flop out and of course the engine stalled. I do this repeatedly as he gets madder and madder. Finally he says, "Get out, I'll drive." I was panic stricken that I would lose this wonderful opportunity to practice my skill. As he got out, I restarted the car, jammed my foot to the floor, and took off. He leaped on the running board and hung on for dear life, as I was not about to stop. As we reached the front of the house, I shoved my foot on the brake, forgetting all about the clutch. The car stopped with a big lurch, right into the huge butane tank. Thinking it would explode, I jumped out, dashed into the house and hid. When the big dent was discovered I pleaded ignorance. We were both adults with children of our own before we confessed. At fourteen I got my Junior Driver's license. These were granted to kids in the country who had a need to drive. Mom and I headed to Escondido in Dad's "47 Ford stake bed truck. I rarely drove Dads truck. It had to be double clutched to shift without grinding the gears. I understood the principle, but had no practical experience in this art. However, I was fourteen and full of confidence. I passed the written test with no errors, and now it was time for the ride. We got off to a rather poor start. At the first gear change it was immediately apparent that I was not as accomplished at double- clutching as would have been desirable. After interminable grinding at each gear change, I finally reached cruising speed. "Turn right at the next street," the examiner said.. I spied a street in the distance and eagerly headed towards it. When I passed the street he had in mind without a glance, he calmly asked when I was planning to turn. I replied that the street was just ahead. He said that was OK with him. This choice of streets was a big mistake. A steep hill loomed ahead. He asked me to stop near the top to demonstrate my ability to restart on a hill using the emergency brake. Here again I had mastered the principle, but alas it did not work well for me. Dad always forgot to release the emergency brake, therefore they were non-existent. I rolled halfway back to the bottom before finally regaining forward motion. I made one more minor error at a stop sign. The ride was finally over. Fearing he might have to take another test ride, the examiner granted me the license. LINCOLN DEMING POST 468 ASIAN PORK "Steamed Rice, Oo Vegetable Stir Fry, Fresh Spinach Salad, Dessert e Non Friday, May 13, 2011 5:30 until 8:00 or until sold out www.j ulian post468.org Profit Donation 2nd and Washington Julian Ca. Checking Savings Home Equity Business Banking 1 2033 Main St., Julian I 765-2765 Member FDIC I + Rabobank Accounting Services Financial Planning .Tax Planning Tax Preparation LUERS & DYER, CPAs, LLP CERTIFIED PUBLIC ACCOUNTANTS Inconuy Tax and At'countinl Full Service Firm Accounting and financial statements Tax plannigg and preparation Rebectt Luers, CPA Mqers Dcgrt in Ttxation Personal attention to your special needs . ) Wynoh Center, 4M)7 Hwy., 8. Suite 11. P.O. l)x 1934 Julian. CA 92056 Tel: 760 765-0343 Fax: 760 7650150 Email: rda@luecpa.om