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Show Page 4 Thursday, June 21, 2012 The Gunnison Valley Gazette Consider these financial moves when you relocate Gunnison puts water restrictions in place Almost everyone would agree: Moving is a hassle. In addition to selling your current home and finding a new one, you may need to deal with a new school for your kids, a new doctor, a new dentist — the list goes on and on. But you'll also need to consider the financial aspects of your move — specifically, your investments, insurance, taxes and even your estate plans. How can you help make sure that your move doesn't slow your progress toward your financial goals? Consider the following relocation "checklist": • Open new bank accounts, and set up automatic transfers. If your move requires you to change banks, open your new accounts as soon as possible. And if you had your previous bank automatically move money each month from a checking or savings account into an investment, set up a similar arrangement at your new bank. • Decide what to do with your employer-sponsored retirement plan. If you are leaving your job, you'll need to make some decisions about your 401(k) or other employer-sponsored retirement plan. For example, you might have the option of leaving your money in your former employer's plan, or you may be able to roll the money over to a new employer's plan. Alternatively, you could decide to transfer the assets into an In- dividual Retirement Account (IRA). Your financial advisor can help you make the choice that's right for your situation. • Discuss your situation with a tax professional. You may want to meet with your tax professional to consider the benefits or liabilities of any differences in tax laws between your new location and your old one. You may also need to address any implications resulting from moving and changing jobs. • Review your financial goals. Some of your goals, such as those related to housing and where you want to retire, may have changed as a result of your move. So it's a good idea to meet with your financial advisor to review your objectives. • Evaluate your monthly budget. If you followed a budget detailing your expenses and cash flow before your move, you may need to update it after you've settled in to your new home. If you haven't set up a budget in the past, you've now got a good reason to establish one — because a well-planned budget can help you avoid dipping into your long-term investments to pay for short-term needs. • Update your insurance coverage. Make sure your vehicles, stored possessions and new residence are covered during your move. And if your health insurance is changing, be aware of what's covered under your new policy. • Review your estate plans. If your move coincides with other important life events, such as marriage, divorce or remarriage, you may need to make some moves related to your estate plans, such as ensuring you have the correct beneficiary designations on any life insurance policies and your 401(k), IRA and other investment accounts. Check with your legal advisor to determine which steps make sense for your situation. Moving may require you to adjust many aspects of your life. Reviewing the items on this checklist can help you get your financial house in order when you move into your new home. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. The Gunnison City irrigation pond went dry last week leaving residents without pressurized irrigation for two days. In an effort to keep water in the pond the city has put water restrictions in place. There should be no watering between 10 a.m. and 6 p.m. The city is also asking citizens to conserve water where they can. With restrictions in place here are seven tips to keep your lawn healthier. • One-Third Rule—Removing more than 1/3 of the grass blade will stress out your lawn. If you cut or take out too much of the grass blade, your lawn will have a difficult time thriving and will instead look burnt out. Darin K Frandsen Find a baby bird? Here's what to do It's not unusual to find newly hatched birds in your backyard this time of the year. Ron Stewart, regional conservation outreach manager for the Division of Wildlife Resources, says young birds often leave their nests before they're able to fly. "They usually spread out along the branch of a tree and call for their parents to bring food to them," he says. While the birds are spread along the branch, it's not uncommon for a strong wind to blow the birds off the branch and for people to find them on the ground. If you find a baby bird on the ground, what should you do with it? Stewart says the best thing to do is get the bird out of the reach of house cats and dogs by placing it on a safe branch. www.edwardiones.com Member SI PC 446 South Mall Drive B-7 St George, UT 84790 435-627-2159 Edward J ones MAKING SENSE OF INVESTING Parade Parking LAITEKWHITI:, LOG HOMES A • TEXAS • Open Monday - Saturday The First Word and Las? Name in Log Homes! Think Satterwhite for Log Homes, Rough Lumber, Timbers, Animal Bedding and Firewood 0 0 114 SI T 111111! Bone-In Pork Sirloin (hops or Roast $1.19 1k Polar Treats 4.3 qt. Vanilla, Neopolitan or Chocolate Boneless Beef Marinating London Broil Steaks $199 la Ito lay 103-113 oz. Asst. ■•■••••••• Su mmeRtime S wings Strawberries 1 for $4 Red or Golden Delicious Apples 99(1k Doritos Buy One Get One FREE! 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Cherries $1981k • 528-5001 •• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •• • • • • • • • • • • • • • • • • • • • • • • • • Fresh • and cannot eat," he says. In addition to receiving calls about individual birds, DWR offices also receive calls from people who have found a nest with newly hatched birds in it. The caller wants to know what they should do with the nest. Stewart says the best thing to do is leave the nest where it is. But if you can't, then relocate it in a nearby tree or another safe place. "Birds are extremely good parents," he says. "They'll almost always find the spot where the nest is placed by following the sounds of their young." You can get more tips about living with wildlife at the Wild Aware Utah website. The website address is www. wildawareutah.org . Hwy 89 Northeast of Gunnison Family. Experience. &My. • • • • • "The baby will squawk," he says, "and the parents will find it. "Most birds do not have a good sense of smell, so picking the bird up and placing it on a branch won't harm it." Stewart also says you shouldn't feed the bird before you place it back in the tree. "Trying to hand feed a young bird is not a good idea," he says. Stewart says birds have a specific diet. "Feeding them something that's not part of their diet could kill them," he says. "For example, you might be surprised to learn that robins are one of just a few birds that can safely eat worms. Most birds can't." Stewart says the best thing to do is let the bird's parents feed it. "They know what the bird can The Outdoor Report is Sponsored by: This year, due to safety concerns and business parking requirements, Gunnison City asks that there be NO PARADE PARKING on Main Street between 200 South and 100 North. This ordinance applies from July 3rd until after the parade on July 4th. If you would like to use this space for parade viewing, please park on the side streets on July 4th and bring your chairs to Main Street. Offending vehicles may be ticketed. • • • • (rather than shallow) lawn watering is encouraged to grow deeper roots. One inch of water to 12 inches of soil is the preferred ratio for watering actively growing grass. Watering your lawn every three days is better than watering a few minutes every day. • Check Your Irrigation System For proper turf watering, test your irrigation system. One suggestion is to place five straight-sided pans around your lawn. When you turn your irrigation system on, take note of how long it takes for one inch of water to accumulate. Check to see if all the pans get the same amount of water. You might need to adjust the amount or distance of your lawn's sprinkler heads. The Outdoor Report STOCKS • BONDS • CDs IRAs • MUTUAL FUNDS Financial Advisor • Highest Acceptable Height—When you have long grass blades, your roots will grow deeper. Grass that has deeper roots will withstand drought and oppose pests and diseases. • Sharp Mower Blades— Your lawn's appearance is enhanced by sharp mower blades. Cleaner cuts of grass are provided by sharp blades. Grass will be able to recover from mowing faster when it is cut by sharp blades. • Apply Fertilizer—Use fertilizer to get a healthy, green lawn. You have to apply fertilizer at the right time to get the best results. Consult with local officials for fertilizing options. • Deep Watering—Deep Buns 3 Fresh Service Deli |