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Julian , California
May 23, 2012     The Julian News
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May 23, 2012

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8 The Julian News Financial Focus Can You Turn "Be A Millionaire Day" Into Reality? If you look hard enough, you can find many obscure holidays, but few of them can instantly capture people's interest as much as Be a Millionaire Day, which is "celebrated" on May 20. While amassing a million dollars may not be as significant a milestone as it used to be, most of us would still feel pleased if we could someday attain "millionaire" status. While there are no perfect formulas or guarantees, here are some steps to consider when working toward any investment goal: Put time on your side. The earlier you begin saving and investing, the better your chances of reaching your financial goal. You can't expect to "strike it rich" immediately with any single investment, but by investing year in and year out, and by choosing quality investment vehicles, you have the opportunity to achieve growth over time. Pay yourself first. If you wait until you "have a little extra money lying around" before you invest, you may well never invest. Instead, try to "pay yourself first." Each month, move some money automatically from a checking or savings account into an investment. When you're first starting out in the working world, you might not be able to afford much, but as you advance in your career, you can increase your contributions. Control your debts. It's easier said than done, but if you can keep a lid on your debt payments, you'll have more money with which to invest. Take advantage of tax deferral. When you invest in tax-deferred vehicles, such as a traditional Individual Retirement Account (IRA) and your 401(k) or similar employer-sponsored retirement plan, your money has the FAwardJones MAKING SENSE OF INYESTING 850 Main St #104 Ramona, CA 92065 (760) 789-28O4 Yvonne P. Carton opportunity to grow faster than it would if placed in an investment on which you paid taxes each year. Of course, when you start taking withdrawals, presumably at retirement, you'll have to pay taxes, but by then, you may be in a lower tax bracket. And since you'll have some control over your withdrawals, you can help control taxes, too. Build Share ownership. As an investor, one of the best things you can do to build your wealth is to increase the number of shares you own in your investments. So, look for buying opportunities, such as when prices are low. Also, consider reinvesting any dividends or distributions you may receive from your investments. Don't be overly cautious. For your money to grow, you need to put a portion of your investment dollars in growth-oriented vehicles, such as stocks. It is certainly true that stock prices will always fluctuate, sometimes quite sharply, and you may receive more or less than your original investment when sold. But if you avoid stocks entirely in favor of more stable vehicles, you run the risk of earning returns that may not keep you ahead of inflation. As you approach retirement, and even during retirement, your portfolio will probably still need some growth potential. Work with your financial advisor to determine the appropriate approach for you. Think long term. By creating a long-term investment strategy and sticking to it, you'll be less likely to take a "timeout" from investing in response to perceived negative news, such as market downturns and political crises. Following these suggestions may someday allow you to reach the point when your financial goals become a reality for you. Progres On The Trail ULIAN 760 765 1020 (ESTERYEAR_-3 This week has brought temperatures in the lO0's, so I've been doing early morning and evening hikes with a siesta during the day. Hiked overnight on the night of the supermoon, which was a stunning, unforgettable experience. Stop over in Big Bear City to visit family. Total PCT trail mileage is 285 miles walked. Steve "Special Delivery" Harkins Film Festival continued from page 7 simple spider web may help us find significance in its structure in the hopes of replicating it ourselves. If they can do it so can we. I learned so much that I didn't know. Now that I am more educated about the situation, I can teach and pass on the drive to do something about the mess we have created. It truly does May 23, 2012 start with you. Someone once told me an individual can do the work of 1,000. Make a difference, be bold, and stand out because we only live once. Thank you to all of the other volunteers as well as the individuals who continue to inspire us with their films. What's important to you? Ah, summer, what power you have to make us suffer and like it. -- Russell Baker IUnique and O--Td FE00Tonedl WE'VE MOVED Back To Town Upstairs in Cole Bldg. Downtown Julian - Cole Bldg. 2111 Main Street - Up Stairs Apple Junction Real Estate, Inc., II Paul Bicamc OwneffBroker II [rA, Active over 30 years full time in Julian Real Estate Crude O'll [I |LP.]] ,60.,6B.28,8 1,60.484:,,93 U.S. Dollar I S&P I 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 lulian &and For Sala .91 ACRES - 2 Bedroom septic in ground, water, electric, house plans - $110,000 1ACRE- 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. 1.29 ACRES - Approved 3 Bedroom septic layout, outstanding views - $42,000 2.SACRES. Fabulous View and Privacy - $49,000. 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.SACRES. 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 -$158,000. 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. 2,77 ACRES - Foundation, 3 Bedtic 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. 8ACRES - 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. 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. Manufactured Homes - Golden Nugget Park $520 Space Rental - trash, electric, water, extra 2BR - 2BA 1600+ S.F. 8120,000. 1150+ S.F. $65,000. THIS LOAN IS HERE NOW!!! IS YOUR HOME LOAN UNDERWATER? HAVE YOU MADE YOURLAST 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 I 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 [ WON'T PUT YOU INTO IT. ANY QUESTIONS PLEASE CONTACT ME. RULE OF THUMB 1F I 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 OESTIONS... MORTGAGE LENDER 619-561-6241 FAX: 619-749-3667 CELL: 619-316-7732 Mike McIntosh NMLS#: 226000 BACK COUNTRY SPECIALIST i  .I =i EMAIL: MMCINTOSH@AMERIFIRST.US I A ..... Lv*'"'" 6370 LUSK BLVD, F209 /Arl.,'l s DIEGO,, CA 92121 e ,* ANTHONYJ, ROMAN0 Re a iA?a tre eEY:tAt/LWin g, Business and Water Law Business Consulting Accountin,.,j Financial Statements Tax Planning and Preparatioi: Individual Business Trust Nonprofit Established 1994 (619) 696-9916 1901 First Avenue, Suite 110 San Diego, CA. LUERS & DYER CPAS, LLP CERTIFIED PUBLIC ACCOUNTANTS 760 765-O343 REBECCAorJAN @ Wynola Center, 4367 Hwy. 78, Suite 112 Santa Ysabel, CA 92070 College or retirement? Find out how to afford both. Ywnm P Catton m  f rs r ) 'L NIl ! Ally ! IJIILI(, Becky Gambrill2 me: 760,765-27601 e": 760-533-4429/ Please call / for an abtmintmen" t