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November 23, 2011     The Julian News
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8 The Julian News ......... Don't throw your money away! [] Become a homeowner today! [[ NoProblem, ...... Y0urj0bisy0urcred$1 p Starting at L--: Santiago Offers EXCELLENT Financing Option (1( Qnn Veterans Programs! i Approval Rate! '- ............................... ' Buy with your Itin # ,., Contact S heree for ,no, re ,in,fo ,760-767-5545 Financial Focus Manage Your Money Carefully Thin Holiday Season FAwardJones MAKING SENSE OF INVESTING 850 Main St #104 Ramona, CA 92065 (760) 789-2804 Yvonne P. Catton As you know, the holiday season can be joyous, hectic, celebratory. -- and expensive. And while you certainly enjoy hosting family gatherings and giving presents to your loved ones, you'll find these things even more pleasurable if they don't add a lot more weight to your debt load. And that's why you'll want to follow some smart money-management techniques over the next few weeks. To begin with, try to establish realistic budgets for both your entertaining and your gift giving. When you host family and friends, don't go overboard on your expenditures. Your guests will still appreciate your efforts, which, with a little creativity, can create a welcoming and fun experience for everyone. As a guiding principal, keep in mind these words attributed to Johann Wolfgang von Goethe, the famous German poet and philosopher: "What you can do without, do without." Set a budget and stick to it. And the same rule applies to your gifting. You don't need to find the most expensive presents, or overwhelm recipients with the sheer volume of your gifts. This is especially true if you, like so many people, have been affected by the tough economy. Everyone you know will understand that gifts don't have to be lavish to be meaningful. Furthermore, by sticking to a budget, you won't be tempted to dip into your long-term investments to pay for fabulous parties or mountains of gifts. It's never a good idea to tap long- term investments for short-term needs, but can be especially bad when your investment prices are down, as they may well be this year. So, if you want to stick to a budget but you don't want to raid your investments, how can you pay for your holiday season expenses? If you can spread out your purchases, you may be able to pay for them from your normal cash flow. But if that's not possible, you might want to consider "plastic" -- your credit card. Using yourcredit card does not, by itself, need to amount to a financial setback, especiaily if you've chosen a card that offers favorable terms and you've already shown the discipline not to over-use that card. Just try to minimize your credit card usage over the holidays and pay off your card as soon as you can. Of course, you can make your holiday season much easier, financially speaking, if you;ve set up a holiday fund to cover your various expenses. While it's too late to set up such a fund this year, why not get an early start on the 2012 holiday season? All you need to do is put away continued on page 10 Julian Jr. High Leadership Attends Convention by Bella Copeland, Julian Jr. High On Monday, November 7, the Julian Junior High's ASB journeyed all the way up to Anaheim, California. Ray Rapue, Journey Smothers, Livia Limon, Kylene Shuler, Greg Conitz, Shane Duffy, Rose Kelly Thomas, Brooke Hurtado, Josh Tunnell, Ashlee Koehl, and myself, Bella Copeland, attended the LASC Leadership C.onference to learn how to lead in a way that is fun, yet productive. We split up and went to different workshops, learning new skills to improve our school. Some of us learned the most effective way to make a poster, while others found the best way to throw an exciting dance. Above all, the conference was about how to reach out to that one student in your class (that may wear a smile but is crying inside) and be their friend. We had the joy of listening to a very renowned public speaker too, and he really pushed this subject further when he told us heartbreaking stories from his bully-filled childhood. The conference was great and left us, the ASB, with so many new, innovative ideas to help lead our school. Before the long ride home we had some time, so we stopped off at Disneyland. That was even more special for us, bonding us closer together. We didn't arrive home until very late that night, but it was one of the best field'trips I've ever been on. The next day I was so excited to put all the great ideas I'd gotten from the convention into immediate action on campus. Don't let the fear of the time it will take to accomplish something stand in the way of your doing it. The time will pass anyway," we might just as well put that passing time to the best possible use. _ -- Earl Nightingale 00&pple Junction Real Estate, Inc. Paul Bicanic Owner/Broker Active 30 years full time Julian Real Estate www.AJRE.com 760.765.2878 / 760.484.7793 2002 Manufactured Home in Golden Nugget Park. 2 Bedroom, 2 Bath, 1644 sf. + 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. REDUCED" $ ! 20,000 Sheriiton Valley - 40 Acres - ! 35 GPM Well Shares 2500' Border with Cleveland National Forest - Very Private Direct Access to Hundreds of Miles of Horse Trails - The End of the Road ........ ,i] Eco-Friendly RESIDENCE - 3 Bedroom, 2 Bath, 1888 sf: State of the Art Solar Electric and Hot Water. Double Insulated Industrial Interior Wiring. Bedrooms Equipped with Electric Shut Off Switches Safecoat Paint - Inside and Out. Waterboy Whole House Water System. Recycled Non-Toxic- No Fiberglass Insulation Radiant Hydroponic Floor Heat - Auto Thermostats. Fire Resistant Hardi Siding. Hardi Cement Shingle Roof, Wired for Satellite -IV & Internet. PROPERTY 40 Acres - 3 Legal Parcels Oaks, Sycamore, Willow (2) Springs - (3) Creeks Area for Pond WELL 135 Gallons Per Minute 13,000 Gallons Water Storage Tanks 47' Tall Windmill with 12" Blades/Generator $499,000 The Toast It was Thanksgiving day with family and friends gathered for the customary feast. There was an abundance of Turkey, Ham, and all the trimmings. We followed the usual procedure for family dinners. We overloaded our plates in the kitchen; then headed to the sun room to gather around a long banquet table. The talk ,was as loud as a Saturday on a pistol range. Jokes and stories were flowing like water to the ocean. I had a cute new boyfriend with a little mustache and a Banty rooster manner. It was the first time that most of those present had met him. When there was a lull in the din my new fella stood and asked if he might offer a toast. This was such a nice touch, not usual in our loud and casual clan. He stood, raised his cranberry juice, adoringly looked at me and asked me to marry him! I am never without words, but momentarily, even I was speechless. It was a surprise to eqd all surprises. The whole table erupted in questions and speculation. By the time dessert was served I had regained my faculties and accepted. Could I do anything less? It took me until Christmas to come to my senses and break off the engagement and let him strut of into the sunset. However, I will always remember this as the most extraordinary Thanksgiving toast. Liberty means responsibility. That is why most men dread it. -- Gemge Bernard November 23, 2011 Accounting Services Financial Planning [ Tax Planning Tax Preparation [00CCTA CHRISTINE CATALINA TX ADVISOR. 2015 Main Street, Sure F Gct tt'" I'rcr mobile app al hltp:l/gettag.mobi P.O. Box 2456 "Julian, CA 92o36 )i b (760) 765-1o5o SCAN EITHER 2D CODE TH YOUR SMARTPHONE FOR OffERS Get the lree QR reader at y,,tr smartphone app storc IS YOUR HOME LOAN UNDEIk WATER? DO YOU ALSO HAVE A 2ND ON IT? H_AVE 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 PkOGRAM. CALL NOW TO GET STARTED. IF IT DOES NOT MAKE SENSE I WON'T PUT YOU INTO THE LOAN. CALL ME WITH O.UESTIONS... 619-561-6241 FAX: 619-749-3667 CELL: 619-316-7732 Mike Mclntosh MORTGAGE LENDER NMLS#: 226000 BACK COUNTRY SPECIALIST A . EMAIL: MMC INTOS H@AME RI |I RST.US rc'cT"c'cwrrr 6370 LUSK BLVD, F209 I ",'lld12A'l' 1 1 SAN DIEGO, CA 92121 I rn/T "rlrr,,' Licensed by the Oepartnlenl o/()173oralio/, llllder the =  I-I,JJJ[L lL. Cali]bmiaResidential Mortgage Lemhng Act S13_G596 LEDER LUERS & DYER, CPAs, ILP CERTIFIED PUBLIC ACCOINTANTS Income Tax and Ac'ottnling Full Service Firm  Accounting and financial statements Tax planning and preparation Rebecca Luers, CPA lalcrS I )grt, t, in ]axatit m Personal attention to your special needs Wynoh ('enter, 4.17 Hwy. 78. Suite 112, PO. Box 1934, Julian. CA 921136 Tel: 760 76-0K * Fax: 760 765-0150 Email: rebecca@luerscpa.com Jan I,er, CPA