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The Julian News
Julian , California
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July 28, 2010     The Julian News
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July 28, 2010
 

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8 The Julian News July 28, 2010 Log cabin in the beautiful town of Julian. Lovely grounds with lots of trees. Main house plus, guest house and workshop, Two miner cabins also included. Lots of potential $225,000 iiiiiiiiiiii iii!iiii!!ii!iiiiiiiiiGr ati!Niews .... i Commercial Building For Sale or Lease 2216 Main St., Julian $599,000 1500 Sq. Ft. - Onsite Parking Call for Details 760-765-1580 or 760-271-7670 or 505-783-4152 Principle 3 In article 1 and 2 we spoke about principle 1, Spending is Emotional and principle 2, when you Track your Money you Control your Spending. Just by utilizing these two principles you should now know why you spend money and where you are spending your money. Awareness of how you and why you spend money is a very powerful tool in getting your mindset on the right track. If you know these two things it will out your mind at ease about what is going on with your finances. This is also a very emotional experience; because it lets you know where you stand, and how much work needs to be done to get you back on track. This is just the beginning of solving the mystery of money and becoming financially secure. Principle 3 is Savings Is Actually Delayed Spending, I know what you are thinking, has he gone mad? All we have ever been taught is save, save, save. Wealth and security depend on how you spend, not on how you save or on how much money you make. There is actually no such thing as "savings" because every dollar is to be spent -- what matters most is how you spend it. This principle points out that you have to "spend" money each month for your future by paying yourself first. I had always heard this growing up, "Pay Yourself First" but l never understood it, because it contradicted everything I was taught,(now remember that was not a lot, especially when it came to finances) which was always pay your bills first and on time. I finally understood this principle when I read the book Money, What Financial "Experts Will Never Tell You" a few years ago. My financial future is a bill, and I pay that bill every month first. There are many ways to do this, the best ones that I have found are 1. Start contributing to your 401K, most companies does some sort of matching. 2. Have a certain amount each month deducted from your pay check and then sent directly to an IRA or ROTH IRA. 3. Have money deducted directly from your paycheck and direct deposited into a savings account, and then once you have a certain amount, invest in a 6 month to 1 year Money Market CD. Starting out small like, $30.00 per month or 1% of your income and moving up as you go is well worth it. Your savings should be broken into three areas: 60% long term, 20% emergency, and 20% emotional. Your company, bank, credit union or a certified financial planner can help you determine what is best for you. Just make sure that when you are searching for a certified financial planner, that you do your homework. Later we will talk about doing your homework and understanding the various financial rules. Since I mentioned paying bills earlier, I should tell you about a concept I came up with a few years ago. I realized that when talking about money, especially bills, the conversation was always negative; I have also learned over the years that to be successful in life you should always keep a positive mental attitude. I have always felt good about myself when donating to charity, which includes both time and money. I also believe that donating my time and money to charitable organizations will bring me prosperity in life 10 fold. So I no longer pay bills, I just donate money each month to organizations like, the telephone company, the credit card company, the mortgage company, the automobile loan company, etc... Now I know you all might think I am crazy, but it is all about mindset and this gives me a positive mindset, try it you may like it. It's at least a great story to tell others. People who pay themselves first add at least an additional $302, 000 to their retirement savings, while many find much, much more. When teaching teenagers about financial literacy, this is one point I try to get through to them, just start paying yourself first, even if it is 30.00 per month, they will be so much better off later in life. The best way I know to get through to them is also to teach them the concept of compounding interest and how it can benefit your savings by starting early in your adult life. Also how it can work against you, when taking out high interest rate loans, due to a lack of financial education. Again if you want to know more or you have questions give me a call at 619-922-1216, we can talk and even meet up for a conversation and am always looking to meet new people, I live local in the Julian community, or email me at apkfinancial@yahoo.com. ww.AJP.I;.eom Ple/ y of FF.EE Farki PAUL BICANIC 0w.er-Broker ii i~iii!iiiiii~i~i~)iiiiiii~ii[i/i~ !~i:/51!i] Fabulous views (TOm this large usable parcel. Approved for W, residume. Can build (Z) homes legally. I/riveway and pad roughed in. geaso al creek with area suitable for pond. Part o{ land was previously terraced for orchard. Tons of Oak Firewood to be harvested. for horses. 49,000 J ero~e. ,re -o~ n,, #rid" [No 8P#8.EI. ~r, ~, telep e u orgrou. to e,o~ pared. Some have water meters, some seed wells. All origi~all~ apl~oved for ~ ~ed Room redde~ces. Soffable for ~fagtored homes. 1 Acre -- 0orgcous, glopino, Boildablc Parcel Roducod To ell )[0,000 Z.B Acres -- Fabulous View, eller Will Provide geptie Layout with acceptable offer ................................... [,000 /..94 Acres -- Large Pared with Water Meter ........... $,000 Acres Fabulous Views (Tom the 0oro ados to San Oleme rte. Borders grate Park. Approved , eptic Layout for $ Bed Room residence. I/riveway and Pad roughed in ............ -95,000 % / Large Z Bed Roo , Z ath, 19[0 s.{. (Z) Massive natural Stone Fireplaces. Open beamed ceilings, knotty pine and wood paneling interior. Porcelain Tile Borber Carpeting thru-out. Flagstone patio areas with covered front porch. | oar garage plus 10x | 4 store room with slab floor and electricity. Many Imtural stone pla ers with sprinklers and hose ibs. Totally enced gouth facing |/Z acre parcel. - 69,000 .P Acres - All underground utilities, ,geptie layout approved residence, lots of Oaks. Asphalt Paved Road ........... | 0,000 Z.P Acres -- Approved Plato for BOd Roo, Zl ath,/.T00 Residence, 0ouwl,/approved rading Plan, Approved Room geptie layout, Water Meter, Roady To Boild ............... | 9,000 JULIAN LANP I Z+ Acres - Very Private Pine Hills Land. Views to the Coast and Ouyamaoas. Near the end of Quiet Oaks Trail. Horses OIC gELLER WILL T ,PE -'PLUg OAgH - FOR JULIAN $1PENOE ......... ............................................. Z$9,000 $.11 Acres -- Very Private with Well, Pog Kennel, gtorage Boilding. ............................................... .199,999 PET Calm Anxiety Naturally (NAPSA)--Protecting your pet from feeling "under the weather" may have a surprising solution. For many animals, the noise of thunderstorms and other common weather sounds can be a signifi- cant source of anxiety. Dogs may howl, cower, or chew through things. Sometimes, a stressed ani- mal can even express fear with destructive behavior and become aggressive. You can keep your pet happy even in stressful times. Fortunately, reports Dr. Margo Roman, DVM, pet owners can treat their animal's anxiety-- whether it's caused by noise, sepa- ration, new surroundings, vet vis- its or other factors--naturally. A variation of an original blend of five flower remedies formulated more than 70 years ago, Rescue Remedy Pet is avai]able alcohol- free for dogs, cats, reptiles, fish, birds, horses and rabbits. It comes in a dropper format, so it's easy to administer. You can find it at Whole Foods nationa]ly and select natura] products and pet retail locations. It is a]so available online at www.rescueremedy.com/pets. Z.9 Acres -- Fabulous 60" View Property. Septic Approved for Bed I Room Residence. All Utilities at Property. Water Meter Installed. Lots Usable Land for Horses, ardem, ............ ' ...... 99,000 Santa Ysabel's Brandie Taylor Completes Specialized Leadership Training Gary Rickard, Vice-Chairman, Board of Directors California Indian Manpower Consortium, Inc. (Wintu) presents Santa }Isabel's Brandie Taylor with her certificate of completion June 2010. Ms. Susan Masten, Co-President/Founder of Women Empowering Women of Indian Nations (WEWIN), Board Secretary of the National Center for American Indian Enterprise Development, and former President of the National Congress of American Indians delivered the keynote address. Also, remarks were made by Ms. Lorenda T. Sanchez, CIMC Executive Director, and Mr. Gary Rickard, Vice-Chairman of the CIMC Board of Directors. This training program was made possible by funding provided by the U.S. Department of Labor as part of CIMC's Workforce Development Program and a USDA Rural Business Enterprise Grant. Information on upcoming training sessions is available online at www.cimcinc.org. Through this Native entrepreneur training program, CIMC, a Native non-profit organization operating in California since 1978, makes every effort to provide leadership training to build healthy Native communities by developing the skills of Native entrepreneurs to be profitable and sustainable in the larger context of Native culture and sovereignty. Ms. Brandie Taylor recently completed the four-month training course entitled "Leadership Training for Entrepreneurial / Small Business / Economic Development," conducted by CIMC from March to June 2010. During the training period, she developed a plan for her business, lipay Family Agency. This comprehensive course was presented in four multi-day training sessions in Coarsegold, CA, Pala, CA, Laughlin, NV and Oroville, CA. Recipients of this unique training opportunity were selected through a competitive application process. Trainees received extensive training from a select group of individuals chosen for their outstanding skills, accomplishments and expertise in their respective fields and for their contributions to Native entrepreneurship. The culturally-relevant curriculum included development of analytical skills (e.g., feasibility/ market analysis; financial projections), and persuasive writing and presentation skills. Students learned how to develop a business plan and received information on resources to start and grow businesses. In addition, the group benefited from the experiences of other successful Native entrepreneurs. To celebrate the accomplishments of these emerging Native entrepreneurs, a completion ceremony was held at the Gold Country Casino and Hotel, in Oroville, California, as the finale to the training in