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, Z÷l 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
