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August 29, 2012     The Julian News
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August 29, 2012
 

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8 The Julian News START TALKING BEFORE THEY START DRINKING Kids who drink before age 15 are 5 times more rikel 7 to have alcohol problems when they're adults. To learn more, go to www.stopalcoholabuse.gov or call 1.800.729.6686 l 1. In 2010, the Yankees' Alex Rodriguez set a record for most consecutive seasons of at least 30 home runs and 100 RBIs. How many seasons? 2. Name the four major- league players to play in at least 140 games for 16 consecutive seasons. 3. When was the last time before 2011 that the Detroit Lions started a season 5-0? 4. Harvard made the NCAA men's basketball tournament in 2012, the first time for the Crimson since when? 5. Who is the leading goal scorer in Buffalo Sabres history? 6. Which NASCAR Cup driver has the most victories at Richmond (Va.) International Raceway? 7. In 2012, Maria Sharapova became the sixth woman in the Open Era of tennis to have a career Grand Slam. Name four of the first five to do it. Answers on page 14 Julian Library Hours Monday closed Tuesday 9:00 - 8 Wednesday 9:;00 - 6 Thursday 9:00 - 6 Friday 9:00 - 5 Saturday 9:00 - 5 Sunday closed # Friends of the Library " Book Store Hours Tuesday - Saturday 11am - 5 pm j 1850 Highway 78 , 765 - 0370 ) Hiking The Pacific Coast Trail 'Special Delivery" Progress After breaking through the half way point of his journey Steven "Special Delivery" Harkins has almost reached the Oregon border and encountered some unexpected obstacles - wild fire - the Pacific Coast Trail has been impacted bu some of the numerous lightning strike caused fire currently burning in th north of the state. His plan is to access the situation and use alternate means as required to navigate around them. THIS LOAN IS HERE NOW!![ IS YOUR HOME LOAN UNDERWATER? HAVE YOU MADE YOUR LAST 6 PAYMENTS ON TIME? IT TOOK THEM A WHILE 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 40-/o. CALL ME WITH THE ADDRESS AND YOURNAME AND l WILL GO ON SITE TO SEE IF YOUR LOAN WAS SOLD TO FANN1EMAE OR FREDDIEMAC. IN 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 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 QUESTIONS PLEASE CONTACT ME. RULE OF THUMB IF [ 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 McIntosh MORTGAGE LENDER NMLS#: 226000 BACK COUNTRY SPECIALIST .  EMAIL: MMCI NTOSH@,vtERI FI RST.US .T-.-"'IA v .,,....v.,.LW].r.,., 6370 LUSK BLVD, F209 ,/tMtzdI'ltl SAN DIEGO, CA 92121 II"IT II'IT II T lt'rfv Licensed by thi Department of Corporations under the   LI[ l. California Reidentml Mortgage Lending Act g13-O596 LENDER 00a--ncial Focus Submitted by Keep Income FAwardJones Producers Working Hard...Even When Rates Are Low Next week, we observe Labor Day, which honors all the hard- Norking men and women in the IUnited States. As an investor, you'd like to think that all your iinvestments are working hard, ltoo -- including the ones that are producing income. But can your iincome-oriented investments the productive when short-term iinterest rates are at historic lows? Or can you find other investment possibilities that could potentially Iboost your cash flow? The answer to both these questions is "yes" -- but you rmay have to take a closer look t where you stand on the risk- reward spectrum. For example, you might need 1to consider longer-term income IProducers, which typically pay Ihigher yields than shorter-term equivalents. Longer-term flxed- ='ate securities, such as bonds, must pay these higher rates to reward investors, who face both interest-rate risk  the possibility that interest rates will rise, causing the value of existing Ibonds to fall -- and inflation risk, 1the threat of losing purchasing iPower by the time long-term Ibonds have matured. Still, you tmay be willing to accept.these trisks in exchange for the higher yields. However; you may be looking 1for income producers that can ,work hard for you without having to hold them for a long period to maturity. This is because the "yield curve" -- the line that plots the relationship between yield .,and maturity -- is fairly steep right now, which, in English, means you can gain noticeably Ihigher yields just by modestly iincreasing the maturity of your iinvestments. Your financial 'dvisor can suggest some short- term and intermediate-term vehicles that may be appropriate for your needs. And while these rates will still not be as high as those offered by longer-term vehicles, they do offer flexibility -- along with less interest-rate risk and inflation risk. You can also help protect ,ourself from these risks by uilding a "ladder" consisting of MAKING SENSE OF INVESTING 850 Main St #104 Ramona, CA 92065 (760) 789-2804 Yvonne P. Catton short-, intermediate- and longer- term bonds and certificates of deposit (CDs). Once you've built your ladder, it can help you weather changing interest-rate environments. When market rates are low, you'll still have your longer-term bonds and CDs earning higher interest rates. And when market rates rise, you'll be able to reinvest your maturing short-term investments at the higher levels. If you need the cash, you can liquidate the maturing bonds and CDs. Thus far, we've only looked at fixed-rate investments -- but you may also be able to boost your income by owning dividend- paying stocks. Some companies h&ve paid -- and even increased -- their stock dividends for many years in a row. If you're not in need of the cash, you can reinvest the dividends and boost your ownership stake, which is a key to increasing your wealth. But if you do need the money, you can take the dividends as cash. Keep in mind that income producers are not a "sure thing" because companies can decide to reduce, or even discontinue, .their dividends at any time. In addition, history tells us that you may experience more price volatility from stocks, and they can be worth more or less than the original investment when sold. As you can see, you can find ways to keep income-producing investments working hard for you, despite the prevailing low interest rates. So consider your options, weigh the risks -- and then work with your financial advisor to make those choices that are right for you. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. You must evaluate whether a bond or CD ladder and the securities held within it are consistent with your investment objectives, risk tolerance and financial circumstances. Certificates of deposit (CDs) are federally insured up to $250,000 (principal and interest accrued but not yet paid)per issuing institution. Please visit fdic.gov or contact your financial August 29, 2012 advisor for additional information. CD Values are subject to interest rate risk such that when interest rates rise, the prices of CDs can decrease. If CDs are sold prior to maturity, the investor can lose principal value. FDIC insurance does not cover Iossis in market value. Before investing in bonds, you should understand the risks involved, including interest rate risk, credit risk and market risk. Bond investments are subject to interest rate risk such that when interest rates rise, the prices of bonds can decrease, and the investor can lose principal value if the investment is sold prior to maturity. The value of bonds fluctuates, and you may lose some or all of your principal Yvonne P Catton Financial Advisor 850 Main St #104 Ramona, CA 92065 760-789-2804 Edward Jones MAKING SENSE OF INVESTING www.edwardjones,com r :: ii% !i i / Crude Oil I U.S. Dollar I S&P I Is your portfolio properly positioned to take advantage of today's environment? If your advisor has not set an appointment to review your investments, we offer free consultations. Tim Taschler Senior Vice PresidentInvestments (858) 755-1614 taschlert@stifel.com 12544 High Bluff Drive, Suite 190 San Diego, California 92130 Sti/el, Nicolaus & Company, Incorporated Member SIPC and NYSE Apple Junction Real Estate, inc. Paul Bmanlc Owner/Broker Active over 30 years full time in lulian Real Estate www.AlRE.com 760.765.2878 / 760.484.7793 lulian 1.and For Sale .91 ACRES - 2 Bedroom septic in ground, water, electric, house plans - $110,000 1 ACRE- Large Potential with water meter - $45,000. 1 ACRE- Seller will provide County Approved septic layout - $50,000. 1.19ACRES - Recently surveyed, Nice building site with existing septic system, all utilities available, Harrison Park - $110,000. 1.29 ACRES- Approved 3 Bedroom septic layout, outstanding views - $42,000 2.5 ACRES - Fabulous View and Privacy - $49,000. 2.5ACRES - 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 - $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 County Approved 3BR septic layout. Cedars, Oaks, Manzanita. $158,000. 2.5ACRES- 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, Approved County septic layout - $135,000. 2. 77ACRES - Foundation, 3 Be(sQl.:tic system, water storage tank - $109,000 2.97ACRES - Unobstructed view property, From Mt Palomar to the Salton Sea, Water meter, County Approved for 3BR residence, All utilities + Cable - $199,000. 8ACRES - 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. 9.92ACRES - Usable parcel, with Well, Storage Tank, 3 BR septic system in ground, view - $135,000. 13 ACRES - Usable undeveloped parcel. Level to rolling to sloping (Ranchita) - $60.000. Manufactured Homes - Golden Nugget Park $59-0 Space Rental - trash, electric, water, extra 2BR - 2BA 1600+ S.F. $120,000. 1150+ S.F. S65,000.