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The Julian News
Julian , California
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November 2, 2011     The Julian News
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November 2, 2011
 

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I&lI!ll l!JtLLILJl:t[] ilLli,!UlJjllLlJLJilllll It, l|lLt3l[LIqlLJl| lJ,!ll I I,ltL Ilk]  qdJLU[:U $ IIIII.LLllLRII fIR ,IIJIjL. 8 The Julian News Junction. Real Estate, Inc. Paul Bicamc Owner/Broker Active 30 years full time Julian Real. Estate www.AJRE.com 760.765.2878 1 760.484.7792 " 2002 Manufactured Home in Golden Nugget Park. 2 Bedroom, 2 Bath, I  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 lulian00and 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 County Approved 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 PineTree, 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 system, driveway and pad. Gorgeous Views and privacy, seller will finance. $169,000. 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 FinanciaiFocus When Investing, "Face to Face" Beats Fingers on a Keyboard These days, you can purchase just about anything you want on the Internet. However, you can still benefit from a human, face- to-face experience for some purchases -- such as your investments. And that's why you may want to work with a financia professional. Unlike a computer interface, a financial professional will take the time to truly know your situation today and then help you make adjustments tomorrow. Let's first look at two key areas a financial professional wil consider today: Your risk tolerance -- By asking the right questions, a financial professional can help you determine if you're a moderate, conservative or aggressive investor and then recommend those investments that are suitable for your risk tolerance. Your time horizon -- If you're saving for a down payment on a new home you expect to purchase within two or three years, you may want an investment that offers significant preservation of principal. But if you're saving for retirement, and you're three decades away from it, you'll likely need investments_ that offer the potential for growth. FAwardJones MAKtNG SENSE OF IVESTtG 850 Main St #104 Ramona, CA 92065 (760) 789,2804 Yvonne P. Catton should you consider? A financial professional can help you answer these questions. New spouse -- Whether .you're getting married for the first time, or you're remarrying, you!ll have to reconcile your financial picture with that of your new spouse. A financial professional can review both your situations and possibly recommend ways for you to .reduce debt, eliminate redundancies in your investment portfolios and consolidate insurance coverage. Career change -- When YoU change jobs, you may have tO make many investment-related decisions: Should you move the assets from your old employer'S 401(k) to an IRA? Or should YoU roll over your old 401{k) to your new employer's plan, if a rollov{,r is allowed? Knowing your optio s when you leave your job can held you make the right choice for yet r retirement savings. A qualifie:l financial professional can held you review and understand yot r rollover options. Retirement -- Once yoa retire, you'll have several issues to consider: How much can yoa withdraw from your investmenls each year? From whic accounts? Should you rebalanc your portfolio to provide more potential sources of income? What about the transfer of your Your financial advisor can help -:wealth? A financial professional you choose the mix of short- and long-term investments that can help you make progress toward all your goals. Now, let's look at the types of milestones that a financial professional can help you with as your life progresses: New child When you bring a new child into your life, you also add new responsibilities. Do you have sufficient life insurance? Do you plan on helping the child pay for college? If so, what college ,,funding vehicles who is familiar with your situation ca.n help you make the right moves to enjoy the retirement lifestyle you've envisioned. So, when you really want to invest, leave the "virtual" world behind and connect with a financial professional -- someone who has gained 'nsight into your individual needs and who has the experience and expertise to help you build, maintain and adjust a portfolio that can help you move toward your goals. The man who never alters his opimon is like standing water, and breeds reptiles of the mind. William Blake Tattered Tid-Bits .Counting The Locals- The Early Years by Albert Simonsen According to an 1852 Indian census, the population of Santa Ysabel was reduced to 100, attributable to disease and closing of the missions. Still, that was five times as many as the derelict San Diego mission at Nyipaguai had in Mission Valley. San Jose del Valle, around present Lake Henshaw and north had an equal number, as did San Felipe down to the east near Scissors Crossing. Cuyamaca and the Lakeside [Rancho Santa Monica] area each had 50. Mataguay Valley, 2 miles northeast of present Highway76/79 crossing, had 75. Warner Springs, then called Agua Caliente for its thermal waters, was not counted in that census, but it had a little less than Santa Ysabel in 1860. The chief of Santa Ysabel that year was "Capital Tomas Chi-uj." He was conscious of the gravity of office and wore accordingly an elegant but frayed old Mexican soldier's jacket, trimmed with silver lacing. Tomas could be insufferably pompous at times, like his eloquent execution speech. Tomas could be counted on to do the bidding of what he called the "Big Americans" (he thought of himself as one). Anthropologist Florence Shipek once told me that he represented poorly Indian interests and fell therefore into disfavor with them. He signed off on a treaty of January 1852 with the U.S. Indian agent in a gathering of many "capitanes" at Santa Ysabel, and no doubt thought it was a done deal. It was a big deal, like a big summit conference. The Congress, though, big surprise, never ratified it. I think the U.S. could have, at the very least, presentedTomas with a nice new U.S. officer's jacket with shiny buttons and dazzling epaulets to enhance his gravitas. That way, h e might have gotten some respe6t. It's Halloween A gaggle of ghots, A warren of witches, Piles of pumpkins And jack-o-lanterns grinning. Aliens are in the garden, Dare they come in? Tables heaped high with cookies And food for the fingers. Root beer is smoking and bubbling, While a fountain of chocolate is flowing. Eating, tasting, Oh yum, yum, yum. And now my belt needs loosening. Pirates and angels, Cowboys and cops, Some are scary, some not. Family and friends With stories to tell And good jokes to share. It's Halloween and we're so glad you're here. *** I put a dollar in one of those change machines. Nothing changed George Cartin *** ANTHONYJ, ROMAN0 Att0mey-At-Law Real Estate, Estate Planning, Business and Water Law (619) 696-9916 1901 First Avenue. Suite l l0 San Diego, CA, 11. li: iHJ J JLILlti/I1 IlUlLIItIIIIllIJll Ill November 2, 2011 LUERS & DYER, CPAs, LLP Rteca Lu,rs, CPA M{I l}eaxe in "lxa{m Personal attention to your special needs CERTIFIED PUBLIC ACCOUNTANTS Income Tax and A'counting Full.Se,ice Firm Accounting and f'manci statements Jan Dyer, CPA Wynola (;enter i)7 H T. 78. Suite 112 PO. tk)x 1934 Julian, CA 92036 ]d: 760 765.0343 Fax: 760 7650150 Em:,JI: rebecca@luerscpa.com Accounting Services Financial Planning I Tax Planning Tax Preparation [00'CTA CHRISTINE CATALINA TAX ADVISOR A Main Street America firm Serving Business Owners and Individuals Year-Round Christine M. Catatina, MsBA. A )0 2015 Main Street, Suite F I I" " ..... II P.O. Box 2456 "Julian, CA 92036 1 : '. ::.. *1 " l I ill l (760) 765-050 ..... ". Scan the QR or TAG code wi o id . ............................... smartphone for coupOnoffersFi .... " :;:::2 ,,7S ..... IS YOUR HOME LOAN UNDER WATER? DO YOU ALSO HAVE A 2ND ON IT? HAVE YOU MADE THE LAST 6 PAYMENTS ON TIME? THE NEW LOAN PROGRAM IS DUE IN MID- NOVEMBER THAT COULD LOWER YOUR RATE. THERE WILL BE HUNDREDS OF THOUSANDS OF HOMEOWNERS JUMPING ON THIS PROGRAM. CALL NOW TO GET STARTED. IF IT DOES NOT MAKE SENSE I WON'T PUT YOU INTO THE LOAN. 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: MMCINTOSH@AMERIFIRST.US SAN DIEGO. CA 92121 Licensed by the })epartraem of Corporauom under the  'IN ]C. CalifomiaResidentialMortgageLend ...... 813-G596 LENDER We did not change as we grew older; we just became more clearly ourselves. Lynn Hall *.**