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August 17, 2011     The Julian News
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8 The Julian News 00Apple Junction Ileal Estate, Inc00 Paul Bicamc Owner/Broker Active 30 years full time Julian Real Estate 760.765.2878 / 760.484.7793 www.AlRE.com 2002 Manufactured Home in Golden Nugget Park. 2 Bedroom, 2 Bath, 1644 .s.f. + Bonus Room (Could be 3rd Bedroom). Wood Burning Fireplace. Fenced yard. Two (2) Decks. View of Meadow, Pines, Oaks. Walk to Town. $495 Space rental - Trash Water, SDG&E extra. $130,000 lulian Kant/For Sale 1 ACRE - High Desert, Shelter Valley, Terraced building site, Flat and usable - $33,000. 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. 2.5 ACRES - Fabulous View and Privacy - $59,000. 2.5 ACRES - 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, Great view, Approved house plans - $110,000. 2.5 ACRES - Paved roads, Underground utilities, Approved for 3BR,Large Oaks - $150,000. 2.5 ACRES - Gorgeous Wynola Estates Parcel, Seller will provide CountyApproved 3BR septic layout. Cedars, Oaks, Manzanita - $158,000. 2.5 ACRES -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, Seller will provide Approved County septic layout. $135,000. 2.77 ACRES - Remote, Private Parcel With 3 Bedroom septic, Water meter, telephone, Concrete driveway, Lots of usable space. - $109.000. - NEW 2.97 ACRES - Unobstructed view property, From Mt Palomar to the Salton Sea, Water meter, County Approved for 3BR residence, All utilities + Cable - $199,000. 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 Palornar to Ranchita - $299,000. 10.65 ACRES - Large parcel with well, water storage tank, electric, phone, 3 bedroom septic system=, driveway and pad. Gorgeous Views and privacy, seller will finance. $169,000.  NEW Financial Focus Don't Let Low Rates Sink Your Retirement Plans 0r' ttr ljt |qj-years, f you've taken out a mortgage or another consumer loan, you've probably welcomed the low interest rates you may have received. But as an investor, if you've kept any retirement savings in fixed-rate investment vehicles, you may have seen low rates in a less favorable light. And that's why it may be time for you take a closer look at your financial strategy for working toward the retirement lifestyle you've envisioned. Of course, you can always hope that interest rates will rise, and perhaps they will. As you may know, the Federal Reserve has kept interest rates at record lows in recent years to stimulate lending and thereby boost the economy. But rates can't get much lower, and if inflation were to heat up, the Fed could reverse course by starting to raise rates. However, if you're going to do a good job of building financial assets for retirement, you really can't afford to play "wait-and- see" with interest rates. Instead, consider the following moves: Rebalance your portfolio. No matter what your situation, it's a good idea to periodically rebalance your investment portfolio to help ensure it still reflects your risk tolerance, time horizon and long-term goals. If you're concerned about low rates harming your future investment income, you EdwardJones MAKING SENSE OF INVESTING 850 Main St #104 Ramona, CA 92065 (760) 789-2804 Yvonne P. Catton ....... lo change your investment mix, '!keping:m; mind your individual, risk tolerance. Redefine "retirement." Retiring from one career doesn't have to mean retiring from work altogether. If you decide to work part time, do some consulting or even open your own small business, you may be able to earn enough income to take some of the "pressure" bff your investment portfolio in terms of providing you with the money you need to live on during retirement. Also, by working during your nominal retirement years, you may be able to delay taking Social Security until you're a little older, when your monthly checks can be larger. Review your withdrawal strategy. During your retirement, the amount you choose to withdraw from your investments each year will depend on several factors, including the size of your portfolio and the amount of income it is providing. As you chart your retirement strategy, you'll need to factor in a realistic withdrawal rate. Re-examine sources of investment income. You may want part of your retirement income to come from investments that offer protection of principal. If so, you don't have to settle for the lowest- rate vehicles. By looking at the various alternatives and blending them with your overall portfolio, you may be able to boost your income without significantly Th ons by Bill Fink Americana Education, Fun, Trip of a Lifetime "My God how little do my countrymen know what precious blessings they are in possession of, and which no other people on earth enjoy," wrote Thomas Jefferson to James Monroe in 1785. Jefferson, the third President of the United States, was the intellectual architect of the Declaration of Independence and engineer and architect of Monticello and Ambassador to France during the Revolutionary War. As President, he declared war on the Barbary Coast Kingdoms and pirates of North Africa and established the American Navy and Marines as a forcethat protected Americans and their interests around the world. He made the Louisiana Purchase and funded the Lewis and Clark Expedition. What a resume, I could go on. Being originally from the east, the early history of. this country surrounded me. Washington and his armies crisscrossed and fought battles near the farm I grew up on. Living in Maryland, DC and Virginia afforded me the opportunity to experience the National Monuments, the Smithsonian, Gettysburg and other major and minor battlefields of the Revolution and Civil wars. I saw Monticello, Williamsburg, Jamestown, Yorktown and revisited them many times and introduced them to my children. One of the drawbacks of living in the west is that the history and sites of our legacy is so far removed. It's hard to explain how rich this small area is. If you've never been there it is hard to imagine, and hard to relate to the grand experiment where our way of life took root. Next May about 30 to 40 kids from the Junior High will make what is a biannual trip back to Washington DC and its environs. This whirlwind tour will have them flying to Richmond. They will see Williamsburg, which is a restored town of great importance in Virginia and American history. Thanks to grants by John D. Rockefeller Jr. and his wife Abbey in the early part of the twentieth 'century, Williamsburg which is also home to William and Mary College will give these kids insight into the days of settlement of this country. They will visit Monticello, the home designed and built by Jefferson. The Gettysburg battlefield will also be on their itinerary. I am fortunate in that as a youngster my Dad who is a war historian explained the history of the sight showing me the troop maneuvers, the areas of Picket's charge, the extension of Chamberlain's flank and the ground where Lee, Longstreet, and Meade surely stood. Morns, Dads and kids if you get the opportunity to read the Killer Angels by Shaara or see the movie Gettysburg which is a very accurate depiction of the events of Gettysburg, you'll get tremendous insight into the grizzly sacrifice made by Americans on both sides of an issue that defined America. Washington D.C. is on the agenda with the fabulous Memorials to our great Americans. The Lincoln and Vietnam Memorial have always touched me deeply. The Jefferson, striking in its architecture, and the soaring obelisk of the Washington and the reflecting pools are great sites. The Smithsonian Museum where you could easily spend a week is also on the tour. This is a four-day trip that is filled to the brim with educational activities and sites to see. This trip is expensive, about $2,000.00 per student and the kids and their parents have to raise the money. The Sons of the American Legion feel this education in Americana is so continued on page 10 LUERS & DYER, CPAs, LLP CERTIFIED PUBLIC ACCOUNTANTS Income Tax and Accounting Full Service Firm  Accounting and financial statements Tax planning and preparation Rel/ex'a Ltte. (,'I'A Personal attention to ),our special needs Jan Dye*; CPA have more reason than ever to review your portfolio and make adjustments as needed, relative to your objectives. For example, if it seems that your portfolio has become "overweighted" in any one vehicle, you may need increasing your investment risk. In short, just because interest rates are low, you don't have to lower your retirement expectations -- as long as you plan ahead and explore your options. Community Banking * Checking Savings * Home Equity Business Banking 2033 Main St., Julian I 765-2765 Member FDIC I + Rabobank \\;,) nola Center .i367 11'w) 78. Suite 112 RO Box 1934 Julian, CA )2036 Tel: 760 765-0343 Fax: 760 7650150 Email: rebecca@luerscpa.com -' 4t h GOD BLESS "": t Y . AMERICA;2cQ ,i; 'f Accounting Services Financial Planning I Tax. Planning (..;HRLS! IN[:: L.LATAI.tF,a Tax Auv]? Tax Preparation A Main Street Amedo firm Serving Business Owners ,'rod Individuols Year-Round Christine M. Catalina.MSBA EA 2015 Main Street, Suite F (McKinney Building) P.O. BOX 2456 " Julian, CA 92o36 (760) 765405o (619) 981-4895 i i i August 17, 2011 9ICTORIAN CLASSIC Judy Veronica Raines Custom built with upgrades. 3BR, 2BA, pecan wood Clark 760-604-1946 floors. Carved wood mantle fireplace. Spectacular views 760-803-3582 DRE#01350842 through many windows. Wrap around deck. Oversized DRE#01092197 garage. (I Iooo9ol I ) Experienced In A ll Aspects of Real Estate The Holdup My Mother Goes To The Bank Toy pistols go click, click, click all morning. Roland and Allan are wrestling in the back seat playing cops and robbers. Lily is lying on my lap, fussing, as she always does. It's hot; the car is packed solid, and if the boys click the damn pistols one more time, I'm throwing them out the window -- the pistols, not the boys. The Model A squats down with its load. A gunnysack of tools lays on one fender and a big milk can stuffed with clothes is on the other. Wooden orange crates filled with all our household goods sit on the running boards. The mattress is tied to the roof and a canvas water bag hangs from the radiator cap, where it cools. When we left Seeley, early this morning, it was already hot. We are moving to central California, where times and climes are better. Since the Depression started five years ago it has been downhill for our dairy. The death knell came two months ago. Every good cow we had, tested positive for TB. At the government auction we got $23.50 per cow. Six years ago, in 1928, we paid $130.00 for each one. We have worked like slaves, with no electricity, no plumbing and no help. Our water came from the irrigation ditch running near the house. Dati and I milked thirty cows, by hand, twice each day. It's been six years of back breaking work in the stinking Imperial Valley heat. I'll be glad to get as far from the Valley as I can. Three hundred dollars are in my purse, at the first bank we come to I will open an account. Dati has been telling me how to do it all morning. I am as nervous as a cow without its' calf as we near La Mesa. "Don't worry," he says, "You'll do just fine. We used your money to buy the dairy, so you should deposit what we have left in your name." I speak no English, but he says, "Just go to the tellers' window and hand them the money and our old bank book. They'll know what to do." He will stay in the car and tend the children. Five year old Roland is a quiet boy and always good. Allan, who is three, is more active since he is well again. He was only a few months old when he got stung by a centipede and almost lost his leg. His blond hair looks white, and he's always talking. Lily has been sick since she was born four months ago. She still weighs the same as the day I bore her. The skinny little thing looks awful and cries all the time. We'll be lucky if she doesn't die. Late morning we finally see the Bank of America in La Mesa. Dati parks in front. I am very uneasy, and the racket in the car has not helped my nerves. I get out, put my purse firmly under my arm and quickly walk in the front door before my courage fails. I am surprised how quiet it is. A tall, dark, Filipino man, wearing sunglasses and a hat slouched over his eyes, stands behind the door. I approach the teller's cage. No one is around. I move to the next window. Still no one in sight. It's as quiet as a cathedral and my heart is beating as loud as a kettledrum. Something pokes me in the back and a very soft voice mumbles something in my ear. I clutch my purse like a football. He repeats it louder, and pokes harder. I don't understand so I turn to see what he wants. It's the Filipino man. He repeats, "Lay down and be quiet." Still not understanding, I do nothing. Exasperated, he grabs my purse and jams it down the front of his pants. I panic, knowing that all of our money is now in his pants. I grab him and see what was poking me, a short black revolver. I grapple with him; he turns the pistol around, and gives a sharp whack to the top of my head. It hurts like hell and blood pours down my face. I scream at him to return my money. I am yelling in Swiss, and he is hollering at me to shut up in English. I don't understand him and he doesn't understand me. He tries to get away from me, but I hang on. Smeared with blood we struggle towards the exit. We lurch out the side door and I scream with pain and panic. I kick and scratch and curse, and suddenly the robber slumps to the ground. Someone has come to my aid and knocks the thief out with a tire iron. The man who wallops him tries to quiet me as people rush to give assistance. The police appear and take me to a doctor where thirteen stitches repair my scalp. During all the commotion, the robbers' accomplice was emptying the vault into a pillowcase. When the racket started, he headed towards the door. Stepping over the tellers, he tripped, fell to the floor and the money scattered like feathers on a chicken farm. It was a long time before I made another bank deposit. LOG HOME? NEED FINANCING, REFI ? I SPECIALIZE iN LOG HOMES, DOME HOMES AND BACK COUNTRY CUSTOM MORTGAGES, FHA, VA, CONVENTIONAL, MANUFACTURED, MODULAR CALH FA DOWN PAYMENT ASSISTANCE, LOTS, LAND, CONSTRUCTION, FHA & CONVENTIONAL AVAILABLE IN CUYAMACA WOODS. REFERENCEs AVAILABLE MORTGAGE LENDER Mike Mclntosh BACK COUNTRY I 1 SPECIALIST ] I NMLS#: 226000  f" I 619-561-6241 i 2=LllII !CELl_: 619-316-7732 '' | E/vJ L: MMC I NTOSH @AMERIFHS'T.U S 00KuE00R00T AMERIFIRST FINANCIAL. INC 6370 LUSK BLVD, F209 SAN DIEGO, CA 92121 f Licensed by the Deparunem of Corporatio der the wE= California Residemial lortgage Lending Act 813-G596 N Yvonne P Catton Financial Advisor 850 Main St #104 Ramona, CA 92065 760-789-2804 www.edwardjones.com Edward Jones MAKING SENSE OF INVESTING ANTHONYJ, ROMAN0 Attorney-At-Law Real Estate, Estate Planning, Business and Water Law (619) 696-9916 1901 First Avenue, Suite 110 San Diego, CA. I