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Show Page 4 The Gunnison Valley Gazette Thursday, October 29, 2009 Avoid these scary investment moves that you understand and that can help you meet your goals. • Scary Move No. 3: Investing too aggressively — or too conservatively. If you invest too aggressively, you could be taking unnecessary chances. On the other hand, if you invest too conservatively, you may never achieve your long-term objectives. Try to find a mix of investments that fits your individual risk tolerance. • Scary Move No. 4: Leaving your portfolio “unbalanced” — Over time, your individual situation will change, as will the fundamentals of some of the investments you own. That’s why it’s important that you regularly rebalance your portfolio, possibly with the help of an experienced financial professional. • Scary Move No. 5: Failing to take advantage of investment opportunities — To help meet your goals, such as a comfortable retirement, it’s important to take advantage of suitable investment opportunities. Contribute as much as you can afford to your 401(k) or other employer-sponsored retirement plan, as well as your IRA and other retirement accounts you may have. As an investor, your greatest ally is time, so the more years you invest — especially when you’re investing in taxadvantaged accounts such as a 401(k) and an IRA — the greater your prospects for achieving your financial objectives. You can’t elude all the pitfalls that life may hold in store. But by avoiding these terrifying investment moves, you can help improve your prospects for long-term success — and that’s not a scary thought at all. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Submitted by DARIN FRANDSEN It’s Halloween time again, so you’ll probably be seeing a lot of ghosts, goblins, witches and werewolves. While you may find these sightings more amusing than fear-inducing, you don’t have to look far to find things that really are frightening — such as scary investment moves. Fortunately, by recognizing these sinister steps, you can help avoid them. Here are a few to consider: • Scary Move No. 1: Trying to “time” the market — If you always knew when to “buy low and sell high,” you’d be a tremendously successful investor. Unfortunately, no one can accurately predict highs and lows — and if you try to jump in and out of investments in response to speculation about where the market is heading, you could end up missing good opportunities. You’re typically better off by staying invested and investing based on your individual risk tolerance, time horizon and need for diversification. (Keep in mind, though, that diversification, by itself, cannot guarantee a profit or protect against a loss.) • Scary Move No. 2: Chasing after “hot” tips — You can get “hot” investment tips from anybody — your neighbor, your brother-in-law or even that guy you always see at the bus stop. But while these tips may be well intentioned, they may be flawed, f or a couple of reasons. First, if an investment really was “hot,” by the time you hear about it and get around to purchasing it, it may already be cooling off. But more importantly, it might not be suitable for your individual needs. Look for investments Every morning my arthritis tells me to stay in bed. Fortunately, I’m in charge. Is arthritis keeping you from living the life you want? Then take charge with moderate physical activity. Sure, it’s not easy, but studies show that getting your heart rate up and keeping it up, at least 30 minutes a day, 5 days a week, helps reduce the pain and stiffness from arthritis. It also improves your mood. But it’s more than just staying busy, so pick an activity like walking, biking, swimming — whatever works for you — and you’ll notice a difference in just 4 to 6 weeks. Whether you try 30 minutes a day at one time, or 10 minutes at a time, 3 times a day, it all adds up to feeling better. For visit For more moreinformation, information, www.arthritis.org, search visit www.cdc.gov/Arthritis word: or call 1-800-444-4993. or callUtah 1-800-283-7800. Physical Activity. The Arthritis Pain Reliever. FREE PORTFOLIO REVIEW. 7.278x10 staystrong.indd 1 Darin K Frandsen www.edwardjones.com Financial Advisor . MemberCIPF SIPC Member 446 South Mall Drive B-7 St George, UT 84790 435-627-2159 Don’t Forget! Move your clocks back one hour on Saturday night! The Outdoor Report 10/9/09 9:58:27 AM THIS SEASON I WANT SOMETHING RELIABLE Statewide deer archery hunting could return The facts are in, and the findings are clear based on the acres of public land that have deer habitat, the Southern Region doesn’t have any more archery hunters in it than any other region in the state. In fact, based on the number of acres per archery hunter, the Southern Region is actually the least crowded region in Utah. For that reason, the Division of Wildlife Resources is proposing that general archery deer hunters be allowed to hunt anywhere in Utah that’s open to general-season hunting. (In 2009, archery hunters had to choose one region to hunt in during the first two weeks of the hunt. After the first two weeks, they could hunt anywhere in Utah that was open to general-season hunting.) All of the DWR’s recommendations for Utah’s 2010 big game seasons are available at wildlife.utah.gov/public_meetings. “The data is clear archery hunters are not the only reason some people feel the Southern Region is crowded during the first part of the archery hunt,” says Anis Aoude, big game coordinator for the DWR. You can see the statistics at wildlife.utah.gov/public_meetings/info/09-11-08.pdf. Even though the Southern Region has more acres of public BG 56 C-E HANDHELD BLOWER 17995 $ MS 170 CHAIN SAW 17995 $ Photo by Bill Bates Starting in 2010, archery deer hunters might be able to hunt across Utah during the entire general season. land per hunter than any region in Utah, that doesn’t mean certain parts of the region aren’t crowded from mid August to mid September. “Southern Utah is a very popular place to camp and hike. And that’s what’s causing most of the crowding,” Aoude says. “We don’t feel we should restrict and penalize archery hunters because other people enjoy being in the woods too.” Aoude says archers can also be part of the crowding challenge, but that situation isn’t unique to the Southern Region it happens in every region in the state. “There are certain areas in every region that are popular and draw a lot of hunters,” he says. The Outdoor Report is Sponsored by: A committee helped the DWR draft the statewide proposal for 2010. The committee included three archery hunters from southern Utah, two members of the Utah Bowhunter’s Association, two members of Bowhunters of Utah and Bill Fenimore, a member of the Utah Wildlife Board. “The data helped the committee see that archers aren’t the only reason the Southern Region gets crowded during the first part of the archery hunt,” Aoude says. “The committee took the data, looked through it and then recommended to us that Utah return to a statewide hunt for the entire general archery season.” 14" bar MS 250 CHAIN SAW 33995 $ 16" bar Located behind Kent’s Market 450 S. 50 E. Ephraim 435-283-6956 acccephraim.com 528-5001 Hwy 89 Northeast of Gunnison Open Monday - Saturday The First Word and Last Name in Log Homes! Think Satterwhite for Log Homes, Rough Lumber, Timbers, Animal Bedding and Firewood All prices are IMS-SRP. Available at participating dealers while supplies last. © 2009 STIHL. IMS9-1041-89119-8 Reliable solutions start at IMS9-1041-89119-8.indd 10 STIHLdealers.com 10/22/09 11:11:36 AM |
