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The Julian News
Julian , California
July 18, 2012     The Julian News
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July 18, 2012

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8 The Julian News July 18, 2012 Financial Focus Submitted by Are You a "Hands-on" Investor? The investment world can be complex -- so you may not want to navigate it alone. But when it comes to getting professional advice, you certainly have an abundance of choices. How can you know which approach is right for you? The answer depends, to a large extent, on how you choose to work with a qualified financial advisor -- someone with the training and experience to help you work toward your financial goals. When you work with a financial advisor, he or she will analyze your financial situation -- your income, current assets, family status and short- and long-term investment goals, such as helping pay for your children's (or grandchildren's) college education and attaining a comfortable retirement. You can choose different ways of working with a financial advisor -- and a deciding factor may be how "hands on" you want to be with your investment strategy. To illustrate this concept, let's look at two common ways investors interact with financial advisors: Taking recommendations and making choices -- After evaluating your financial situation, goals, risk tolerance and time horizon, your financial advisor can recommend appropriate investments. Over time, your financial advisor will communicate.with you regularly to keep track of changes in your life and to suggest any changes you may need to make in your portfolio. Of course, you have the final say in accepting or rejecting these recommendations, which is why this method is considered a hands-on way to invest. Investing through a managed account -- In this situation, your financial advisor will help you FAwardJones MAKING $1ENS OF INVESTING 850 Main St #104 Ramona, CA 92065 (760) 789-28o4 Yvonne P. Catton create, implement and refine your long-term financial strategy, but the money managers will make the daily investment decisions; relying on a variety of criteria pertaifiing to your situation. For example, if your'portfolio has become overweighted in a specific asset class, such as stocks or bonds, and is no longer aligned with your goals, it may automatically be brought back into balance. So which method of investing is better for you? There's really no one right answer for everyone. If you're the sort of person who likes to make all your own decisions, then you might be better off following the hands- on approach with your financial advisor. On the other hand, if you are particularly busy and just don't feel you have the time to be actively involved with day-to-day investment decisions, you might want to consider a managed account. In any case, you'll want to be comfortable with the method of investing that you've Chosen. So do your homework beforehand. Whether you're interested in a hands-on relationship or a hands-off approach, you still need to interview several financial advisors to find one who has worked with people in your situation and who seems genuinely interested in helping you. During these interviews, make sure you understand everything related to working with a financial advisor -- the fees involved, the way decisions will be communicated to you if you choose a managed account, and so on. Deciding how you want to invest is your first step in working toward your financial goals -- so make the choice that's right for you. [ 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-K1-0211-1 One Hour Consultation A $35.00 VALUE! Call for an appointment NEW Clients ONLY in'i'uri" Library Looking For A Few More Good Books, DVD's, Donors Julian Branch Library needs your help. We are looking for some good books, DVD's, magazines, and newspapers. Like many government entities, the County Library has been making do with the allocation of dollars to keep all of its branches and services open and staying within its budget. The new fiscal year began on July 1 and it is business as usual. The Julian branch is open Tuesday through Saturday - 45 hours per week. In fact, all County branch libraries are open the same or more hours than they were five years ago. The San Diego County Library received the 2012 national award for Library of the Year for its innovative ideas, building branches without compromising access to the customer. The Friends of the Julian Library and the San Diego County library are both non-profit organizations and donations are tax deductible. Would you like to sponsor a magazine or newspaper subscription? Are you a person who buys a new book as soon as it is released? Once you have read it, would you be willing to donate it to the library? Once you have watched a new DVD you purchased or received as a gift, would you consider giving it to the library so others may also enjoy? Several weeks ago, all branches received their budget allocation for newspapers, magazines and periodicals. Every branch received the same allocation and we can use that allocation to subscribe to as many magazines and newspapers as that money will purchase. Unfortunately, the amount is about $800 short of the cost of the subscriptions we currently receive in Julian at the branch. The Julian Branch currently receives 68 subscriptions, some of those are donations that come directly to the branch or are brought in by the subscriber. Last year we changed some subscriptions to reflect usage and community requests. Once again, we are asking for donations to raise funds to keep as many of the subscriptions as we can. The Friends of the Julian Library is fabulously supportive That moment when you realize your family tree is really a tangled bat1... -- Wesley Harvey Apple Junction Real Estate, Inc. Paul Bncamc Owner/Broker Active over 30 years full time In Julian Real Estate 760.765.2878 / 760.484.7793 lulian &and For Sale .9`/ACRES - 2 Bedroom septic in ground, water, electric, house plans - $ffO, O00 "1 ACRE. Large Potential with water meter - $45,000. 1 ACRE- Seller will provide County Approved septic layout - $50,000. `/.`/9 ACRES - Recently surveyed, Nice building site with existing septic system, all utilities available, Harrison Park - $1"10,000. '/.29 ACRES - Approved 3 Bedroom septic layout, outstanding views - $42,000 2.5 ACRES - 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. 2.5 ACRES - Water meter, County Approved 3BR septic layout, Vew, House plans - $`/'10,000. 2.5 ACRES - Paved roads, Underground utilities, Approved for 3BR,Large Oaks - $`/50,000. 2.5 ACRES - Gorgeous Wynola Estates Parcel, Seller will provide County Approved 3BR septic layout. Cedars, Oaks, Manzanita - $`/58,000. 2.5 ACRES -Approved septic layout, grading plans, building plans, water meter, all utilities, Big oaks, Paved road- $2`/9,000. 2.63 ACRES - Very private with rural views, Approved County septic layout - $`/35,000. 2.77 ACRES - Foundation, 3 BedSOtic system, water storage tank, $`/09,000 2.97ACRES - Unobstructed vew property, From Mt Palomar to the Salton Sea, Water meter, County -Approved for 3BR residence, All utilities + Cable - $`/99,000. 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 - $259,000. !ACRES- Usable parcel, with Well, Storage Tank, 3 BR septic system in ground, view - $`/35,000. `/3 ACRES - Usable undeveloped parcel. Level to rolling to sloping (Ranchita) - $60.000. P, usiness Consultilw Accounting Financial Statements Tax Planning and Preparatioll Individual Buincs Trust Nonprofit llablishcd 1t)94 Manufactured Homes - Golden Nugget Park $5000 Space Rental - trash, electric, water, extra 00-BR - 9BA 1600+ S.F. $120,000. i 150+ S.F. $65,000. of this branch and community and its wonderful programs. They have been augmenting the Julian branch's materials budget since this branch opened. They also sponsor the fabulous programs we offer. Whatever the need, they have come through. Unfortunately, they do not have an endless amount of money. Their primary source of money comes from membership dues and income from the Friends of the Library bookstore. Monetary donations to the Friends of the Library are also gratefully accepted. The County library has a matching fund program where you can donate cash (or a check) and the County Library will double your donation up to a collective amount of $250,000. Where else can you get a 100% return on your investment?! You can inquire about which subscriptions need adopting and have a subscription mailed to the library directly. Last year we had over a dozen generous donors who covered the entire amount needed to continue our subscriptions and others who subscribe and send magazines directly to the branch. It needs to be a coordinated effort to ensure that we are not duplicating subscriptions. The San Diego County Library, the Julian branch and the community thank you for your generosity. Please speak to Colleen or Patty in the branch if you are interested in sponsoring a subscription in one form or another. If you would like to donate money to the Friends of the Library so they can continue to support this branch in the manner in which we have all grown accustomed, please do so. We will have a printed list of magazines that need adopting. A tax-deductible receipt will be awaiting you[ For more information, please Contact the branch at (760) 765-0370. 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 Edward Jones MAKING SENSE OF INVESTING NOTARY PIJBLIL /00ecky Gambrill00 (mine: 760-765-27601 t Cen: 760-533-4429 \\; Please call / for an appointm/ellt ANTHONYJ, ROMAN0 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? 1T TOOK THEM A WHILE BUT THE LOAN IS NOW HERE AND WE ARE CLOSING LOANS. FOIL THE NORMAL LOAN IN YOUR AREA, WE ARE LOOKING AT HIGH 3% TO LOW 4o70. CALL ME WITH THE ADDRESS AND YOUR NAME AND l WILL GO ON SITE TO SEE IF YOUR LOAN WAS SOLD TO FANNIEMAE OIL FREDDIEMAC. IN MANY CASES YOU CAN GO FROM A 30 YEAR TO A 15 OR 20 YEARS LOAN AND NOT INCREASE YOUR PAYMENT, 1N MANY CASES PAYMENT WILL BE LOWELL 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 OESTIONS PLEASE CONTACT ME. ILULE 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 OESTIONS... 619-561-6241 FAX: 6]9-749-3667 Mike Mclntosh MORTGAGE LENDER NMLS#: 226000 BACK COUNTRY SPECIALIST CELL: 619-316-7732 E,,00IL: MMCINTOSH@AMERIFIRST-US ..,,IL"IC)I'i'D--'T 6370 LUSK BLVD, F209 SAN DIEGO, CA 92121 Licensed by the Department of Corporatio under the t ld INC. California Re,idential MortgageLending Act 813-G596 LENDER