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Julian , California
July 11, 2012     The Julian News
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July 11, 2012

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\ 8 The Julian News Financial Focus Lineup of Moves Worth Considering This week, Major League Baseball's All-Star Game is scheduled to be played in Kansas City. Whether you're rooting for the American or National League, you'll no doubt admire the ability and athleticism exhibited by these tremendous ballplayers. Of course, any all-star team is made up of players who bring different talents to the game. And this same approach -- of combining a collection of skills toward one common effort -- can be found in other endeavors, one of which is investing. Here, then, is one possible lineup of investment moves to consider: Diversify. All investments have both benefits and risks. As an investor, your goal is to help maximize the benefits and minimize the risks -- and one of the best ways to do this is by diversifying your money across a range of assets. Diversifying can help you reduce the impact of market volatility that might affect your portfolio if all your money was tied up in one particular asset class, and that asset went through a "down" period. Keep in mind, though, that diversification, by itself, cannot guarantee profits or protect against loss. Rebalance. Even without your taking significant actions, your portfolio can evolve in ways that may not be to your liking. For example, if some of your more aggressive investments appreciate greatly, they may eventually constitute a larger percentage of your holdings than you had planned --and in doing so, elevate your overall risk level. To prevent this from happening, you should meet with your financial advisor pedodically 1o EdwardJones MAKINI$ 5ENS~E OF INVESTtN~ 850 Main St #104 Ramona, CA 92065 (760) 789-2804 Yvonne P. Catton "rebalance" your 15ortfolio. Seek quality. Many people latch onto "hot" investments, only to be disappointed when they "cool off." Instead seek quality vehicles -- the ones that generally lose the least ground when the market is down and recover more quickly when the market rallies. When you invest in stocks, for instance, look for those companies that have strong management teams, competitive products and good business models. When you purchase bonds, look for those with high ratings from the indepemdent rating agencies: Stay invested. It's tempting to "take a breather" from investing when the financial markets are volatile. But if you stay on the investment sidelines, you may miss out on the beginning of the next market rally. If you've built a diversified portfolio of quality vehicles, it may be easier to stay invested. Know your risk tolerance. If you find yourself constantly fretting about the market's ups and downs, to the extent that your worries are affecting the quality of your life, you may have a portfolio that's unsuited to your risk tolerance. Conversely, if you're dissatisfied with the growth of your investments, you may be investing too cautiously, which could be a concern when you're striving to reach long-term goals, such as a comfortable retirement. Ultimately, there's no one "right" way for everyone to invest, but you do need to match your portfolio's composition with your individual risk tolerance and time horizon. Your financial advisor can help your find the "lineup" of investment moves that is right for ,you. Put it towork soon. Riccio's Accounting Service A Non-CPA Firm Quality - Integrity- Confidentiality Kelly Riccio, CRTP (760) 765-4867 Specializing In: * Quickbooks Onsite Training & Consulting - Certified Quickbooks ProAdvisor * Bookkeeping, Payroll, Sales Tax & Workers Comp. * Taxes (Personal & Business) - IRS approved e-file provider CTEC Registered Tax Preparer #A004872 Bond #90-KJ-0211-1 One Hour Consultation A $35.00VALUE! Call for an appointment NEW Clients ONLY .91ACRES - 2 Bedroom septic in ground, water, electric, house plan= 1 ACRE- 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 sepl Harrison Park - $110,000. 1.29 ACRES. Approved 3 Bedroom septic layout, outstanding views 2.5 ACRES - Fabulous View and Privacy - $49,000. Business Consulting Accounting Financial Statements Tax Planning and Preparation Individual Business Trust Nonprofit EslablishciI 1994 2.SACRES- View from Coronados to Catalina, Driveway and pad rot motivated to negotiate All CASH Offer - $85,000. 2.5 ACRES - Water meter, County Approved 3BR septic layout, Vew, 2.SACRES - Paved roads, Underground utilities, Approved for 3BR, L 2.5 ACRES - Gorgeous Wynola Estates Parcel, Seller will provide layout. Cedars, Oaks, Manzanita - $158,000. 2.5ACRES-Approved septic layout, grading plans, building plans, w; Help Teens Learn About (NAPSA)-When it comes to toys and games, one group of young people isn't just playing around. In fact, it's helped create a great new game and hopes to use it to raise money for a not- for-profit organization that goes into schools to teach teens entrepreneurship. The Project These students at New York's prestigious Stuyvesant High School are on their way to becoming the next generation of toy inventors. They put together Toys By Teens, a nonprofit toy company that encourages kids to develop original toys and grimes and then market the inventions. Founded by Pam Chmiel, who originated the Teen Entrepreneur Boot Camp, it works in partnership with mentor and toy inventor Dr. Howard Wexler. He donates an original toy or game for the kids to manufacture, market and sell. Throughout the school year, the youngsters meet with professionals in accounting, product development, distribution, public relations, graphic design, market research The student entrepreneurs of the Toys By Teens team could teach something about business to kids across the country. and more who teach them essential entrepreneurial skills needed to successfully build a brand. "We teach teen entrepreneurship by giving them a real product to work on getting into the marketplace," says ChmieL "Dr. Wexler offer{ ;d to donate one of his inventions to our program and work with the teens on refining the game so we decided to form Toys By Teens." The Game The teens are launching their first product campaign for the game "Correct Me If I'm Wrong." Consisting of 19 different games, the product features a play-write-wipe dry-erase board and marker for clean, easy play. "We have never manufactured or sold a product before, so we are planning to start slowly by selling to boutique toy stores across the country to get our feet wet," says Chmiel. "Our plan is to have the .$11 ooo c system, all utilities available, .$4 000 ghed in, Water meter, Seller is House plans - $110,000. arge Oaks - $150,000. County Approved 3BR septic lter meter, all utilities, Big oaks, Paved road - $219,000. 2.63 ACRES - Very private with rural views, Approved County septic Ihyout - $135,000. 2.77ACRES - Foundation, 3 Bed tic, I system, water storage t nk - $109,000 2.97ACRES. Unobstructed view property, From Mt Palomar to the Sidton Sea, Water meter, County Approved for 3BR residence, All utilities + Cable - $199,000. 8ACRES- Driveway and pad roughed in, County Approved for 3 BR Area for Pond, Huge Pine Tree, Oaks, Manzanita. View from Mt Palo 9.92ACRES- Usable parcel, with Well, Storage Tank, 3 BR septic sys 13 ACRES - Usable undeveloped parcel. Level to rolling to sloping (F Terraced for orchard, qar to Ranchita - $259,000. Iem in ground, view- $135,000. ',anchita) - $60.000. Nugget Park water, extra $65,000. Manufactured Homes - $59-0 Space Rental - trash, electric, 2BR - ! 600+ SeE $ ! 20,000. ! ! B0 students manage the sales. We hope to become a full-fledged toy company for the purpose of giving teens a real hands-on business experience." How to Help Toys By Teens is currently hoping to raise $20,000 through the IndieGoGo campaign: You can be a part of the project by contributing at www.indiegogo. com. Just type "Toys By Teens" into the search box to see the game and learn more. LUERS & DYER CPAS, LLP CERTIFIED PUBLIC ACCOUNTANTS 760 765-0343 REBECCAorJAN Wynola Center, 4367 Hwy. 78, Suite 112 Santa Ysabel, CA 92070 Yvonne P Catton Financial Advisor 850 Main St #104 Ramona, CA 92065 760-789-2804 EdwardJoneg MAKING SENSE OF INVESTING OTARY PUBLIC /Becky Home: ce.: 760-533-4429 Please call July 11, 2012 ::7 Miss Julian Allison Duffy [ANTI]0NY{ROMAN-0] Att0rney-At-Law Real Estate, Estate Planning, Business and Water Law (619) 696-9916 1901 First Avenue, Suite 110 San Diego, CA. THIS LOAN IS HERE NOW!!! IS YOUR HOME LOAN UNDER WATER? HAVE YOU MADE YOUR LAST 6 PAYMENTS ON TIME? IT TOOK THEM A WH1EE 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 1 WILL GO ON SITE TO SEE IF 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 1T 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 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 QUESTIONS... 619-561-6241 FAX: 619-749-3667 CELL: 619-316-7732 Mike Mclntosh MORTGAGE LENDER NMLS#: 226000 BACK COUNTRY SPECIALIST ~A ~ EMAIL: MMCINTOSH@AMERIFIRST.US HI zrrwr',zv L'~'~r.e',= r"w'l'V--- 6370 LUSK BLVD, F209 "111 "1" /ldVl ,_KlI'ltCi 1 SAN DIEGO, CA 92121 I Ill r,,~Tm.~.~... = Y .rwv~,~ Licensed by the Department of Corporations under the -~o~a~ [] 1[4 Ll~l~Ll~l~tl.~ 11~=,~. California Residential Mortgage Lending Act 813-G596 LENDER