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The Julian News
Julian , California
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October 26, 2011     The Julian News
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October 26, 2011
 

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8 The Julian News le Junction Real Estate, Inc00 Paul Blcanlc Owner/Broker Active 30 years full time Julian Real Estate www, AIRg,com 760,?6B,ttB?8 / 760,484,7793 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 00and For Sale 4 ACRE -High Desert, Shelter Valley, Terraced building site, Flat and usable - $33,000. 1 ACRE - Seller will provide County Approved septic layout - $50,000. 4.19 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 County Approved 3BR septic layout. Cedars, Oaks, Manzanita - $158,000. 2.5 ACRES - Approved septic layout, 'grading plans, building plans, water meter, all utilities, Bigoaks, 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 Pal0mar 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 Palomar to Ranchita - $299,000. 10.65 ACRES - Large parcel with well, water storage tank, electric, phone, 3 bedroom septic systemm, driveway and pad: Gorgeous Views and privacy, seller will finance. $169,000.1 NEW 13 ACRES - Very nice large usable undeveloped parcel. 600 feet of highway frontage. Varied terrain - from level to rolling to sloping. Good ranch property. - $60,000.  NEW i Financial Focus Improve Your ardlones Financial 850 Main St #104 Picture_ Du rin00 (760)Ramona'789-2804CA 92065 "Open Yvonne P. Cat,on Enrollment" Late fall marks the beginning of the holiday season, which probably means that you'll have a lot going on over the next couple of months. However, busy as you are, you'll want to take the time to review your employee benefits package, since November also is a popular month for employers to offer open enrollment. And the decisions you make now could have a big impact on your financial outlook for years to come. So, if you are in an open enrollment period, here are some steps you may want to take: Boost your 401(k) contributions. It's almost always a good idea to put in as much as you can, up to the contribution limit, in your 401(k) or similar retirement plan. After all, you typically contribute pre-tax dollars, so the more you put in, the lower your taxable income. Also, your money can grow on a tax-deferred basis, which means it has the potential to grow faster than an investment for which you paid taxes every year. At the very least, contribute enough to earn your employer's match, if one is offered. For example, if you work for an organization that will match 50 percent of everything you put in up to, say, 6 percent of your salary, then you should contribute 6 percent of your salary -- which is like getting a three percent raise. Rebalance your401(k) portfolio. You may have a dozen or more investment options in your 401(k). Ideally, you'll want to spread your money among these options in a way that's appropriate for your risk tolerance, time horizon and long-term goals. But over time, your 401(k) portfolio can become "unbalanced," even if you made no changes. For example, if you've invested in a couple of aggressive-growth accounts, and these accounts have gained significantly in value, they may now be taking up a greater percentage of your portfolio than you had originally intended, exposing you to more risk than you'd like. Consequently, if your plan doesn't offer an automatic rebalance option, you may need to rebalance your portfolio by moving some of your assets into less aggressive vehicles. Be cautious about adding company stock. You may. be loyal to your employer, but try not to hold too much company stock in your 401(k). After all, your company, like all businesses, may go through ups and downs, and if your portfolio is dominated by this single stock, you may experience considerable volatility. And if your company matches your 401(k) contributions with its own stock, you may want to invest all your own money in vehicles other than company stock. Take all the insurance that's offered. Typically, when employers offer life insurance as a benefit, it's at little or no cost to you, so you'll probably want to take all that's offered. However, this amount may still be less than what you really need to fully protect your family, so you may well need to purchase an individual policy to supplement your employer's coverage. And always be aware if your employer reduces or eliminates the insurance that's offered as an employee benefit, because you'll then need to adjust the policy that you've bought outside work. You can review and improve your financial picture during open enrollment -- so take advantage of this opportunity. Help With Pensions (NAPSA)-Many of America's veterans are eligible for a tax-free monthly income-and don't even know it. Through the Department of Veterans Affairs' Aid and Attendance benefits, qualifying veterans can receive up to $1,644, a surviving spouse of a wartime veteran up to $1,056 and a married couple up to $1,949. "Our veterans and their spouses have sacrificed greatly for our country and they rightly deserve a safe, comfortable and rewarding retirement," said Gen. Hugh Shelton, retired U.S. Army general, who was the 14th chairman of the Joint Chiefs of Staff from October 1997 through September 2001. To help veterans get the benefits they deserve, the independent living communities of Holiday Retirement hold regular educational seminars on Aid and Attendance and provide access to veteran service providers. At the residences, veterans and others can benefit from true independent retirement living, all for one monthly fee. Holiday Retirement living includes around- the-clock live-in community managers, three chef-prepared meals daily, an exclusive travel program, complimentary shuttle service and safe and secure communities throughout North America. A Visit With Grandma Andermatt I approach the rustic little green house sitting on the brow of the hill for a visit with my friends. The wonderful aroma of home cooking bursts upon me as I open the screen door. Grandma Andermatt is standing over the kitchen stove. A platter piled high with crispy brown fried chicken is on the cluttered counter beside her. She wipes the sweat dripping from her florid forehead with the corner of her big calico apron. Her short, stout figure pops out of the tiny kitchen. Her stern face breaks into a big smile as she welcomes me with a hearty, "Hello". Her wonderful Swiss accent is as heavy as the smell of the bread bak.ing in the oven. She orders me to sit down and sets an extra plate on the gray Formica table as Grandpa pours me a glass of his homemade wine. As I protest, she tilts her head down and glowers at me over her glasses. I quickly accede and sit on the long bench behind the kitchen table. She heaps my plate with chicken, potatoes, lettuce, rhubarb, and of course a big slab of her crusty home made bread slathered with freshly churned butter, t wasn't hungry at all until I was confronted with this abundant expression of her love. The next few hours we sit around the kitchen table. Not a moment passes without food going in or words coming out of our mouths. When I finally have to leave this cocoon of friendship and love, she stands on the front porch waving good-bye until I am out of sight. October 26, 2011 LUERS & DYER, CPAs, LLP CERTIFIED PUBLIC ACCOUNTANTS Income Tax and Accounting Full Ser,icd Firm  / Accounting and f'mancial statements Tax planning and preparation Rebec'ca Luers, CPA ,Masters l)ece in Taxati,m Personal attention to your special needs W)'nola Cx.,rlter -i.'7 HW): 78, St|it(" | 12 PO.Box 193,i Julian, CA 9203(} Tel: "/60 765-0343 Fax: "]60 "765-O150 Email: rebecca@luer-'pa.om Jau Dyer, CPA ANTHONYJ, ROMAN0 Attorney-At-Law Real Estate, Estate Planning, Business and Water Law (619) 696-9916 1901 First Avenue, Suite 1 l0 San Diego, CA. Yvonne P Catton Financial Advisor 850 Main St #104 Ramona, CA 92065 760-789-2804 www.edwardjones.com EdwardJoned MAKING SENSE OF INVESTING "IS IT TIME TO REFI?" RATES AT THE LOWEST LEVEL SINCE RECORDS WERE STARTED. LOW 4/o RANGE LENDER CAN COVER MOST CLOSING COSTS. LET'S TALK, TAKING MANY OWNERS TO A 10, 15 OR 20 YEAR LOAN KNOCKING OFF YEARS OF PAYMENTS. CAN ALSO PULL FUNDS FOR FIX-UP OR?? BACK COUNTRY SPECIALIST NMLS#: 226000 619-561-6241 FAX: 619-749-3667 CELL: 619-316-7732 Mike MORTGAGE LENDER EMAIL: MMC INTOSH @AMERIF! RST.US -00AM00Fi00sr I cI INc. I 6370 LUSK BLVD, F209 | SAN DIEGO, CA 92121 I l  Licensed by the Departmenl of Corporations under the E LENDER California Residential Mrtgage Lending Aat 813-G596 R Accounting Services Financial Planning I Tax Planning CHRISTINE CATALINA TAX ADVISOR A Main Street America firm Serving Business Owners and Indidduals Year-Round Christine M. Catalina, MS.A, EA *l 2o15 Main Street, Suite F [1" ." ",1[ P.O. Box2456 "Julian, CA 92036 I:" ''" ::" "l  0 o (760) 76s-,050 .... '1 Scan the qR or TAG code wi.JO#li  smartphone for coupon oers