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Show Page 4 The Gunnison Valley Gazette It's no treat to be tricked by scary investment moves Submitted by DARIN FRANDSEN If you have young children, or even if you just have some in your neighborhood, you know they will soon acquire large amounts of free candy, obtained by impersonating witches, vampires and other scary creatures. As an adult, of course, you're unlikely to encounter too many monsters after Halloween ends. Yet as you go through life, you will find some things that are truly alarming — such as scary investment moves. Here are a few of these frightful actions: • Investing too conservatively — You could try to avoid investment risk by putting all your money into very conservative investments. However, as you're probably aware, those investments typically pay very little in the way of interest, so your money could actually lose purchasing power, even with a mild rate of inflation. • Investing too aggressively — Just as investing too conservatively can be counterproductive, so can investing too aggressively. Obviously, you would like your money to grow, but the investments with the highest growth potential are usually also those that carry the greatest risk to your principal. • Putting too much money in too few investments — If you put too many of your investment dollars into just one or two types of assets, and a downturn hits those assets, your portfolio will probably opened an IRA, you're missing take a big hit. out on a great chance to build • Waiting too long to in- resources for retirement. vest — As an investor, your To make sure you don't biggest asset may be time. The fall victim to these scary inmore years in which you have vestment moves, you need to invest, the greater the likeli- only follow a few simple prinhood that you can make prog- ciples. First, take the long view ress toward your important — you will see ups and downs financial goals. in the short term, but histori• Taking a "tirneout" from cally the market has performed investing — During periods of well over the long term. (Keep significant market volatility, in mind, though, that past persuch as we've seen the past few formance is not guarantee of years, you might be tempted to what will happen in the futake a "timeout" from invest- ture.) Second, diversify your ing and stick all your money holdings among a variety of into very conservative vehicles investments. Diversification, until everything "blows over." by itself, cannot guarantee a But the financial markets will profit or protect against loss, never be totally calm, nor will but it can help reduce the efthey be predictable. Market fects of volatility. Try to build rallies can start unexpectedly; a diversified portfolio based on if you're not invested when your risk tolerance, time horithat happens, you may miss zon and long-term goals. And out on growth opportunities. finally, consider boosting your • Ignoring tax-advan- 401(k) contributions whenever taged investment opportuni- your salary increases and fully ties — When you invest in a funding your IRA each year. tax-deferred investment acHalloween comes but count, such as your 401(k) once a year, but scary investand a traditional IRA, your ment moves can haunt you for money has the opportunity to a lifetime — so take the right grow faster than it would if it steps to help avoid them. were placed in an investment This article was written by on which you paid taxes every Edward Jones for use by your year. If you aren't contributing local Edward Jones Financial to your 401(k) and you haven't Advisor. Ask a Specialist: Pests are invading my house. Do you have tips for getting rid of them? Answer by: TAUN BEDDES Utah State University Cooperative Extension horticulture agent Over the last month, there have been increased reports of insects, mice and other pests invading buildings. As it gets colder, most of these are looking for a warm place to hide. Consider these tips for control. • Check for cracks. One of the most common ways for pests to enter is through cracks and openings in foundations and improperly sealed areas. An occasional walk around the foundation to look for cracks and other potential areas of entry is recommended as well as checking door and window frames for gaps. These gaps can usually be filled with sealers or foam insulation. • Remove hiding places. Plants that have died back in the fall should not be left in planter beds, especially near buildings, since these provide a hiding place for the unwanted visitors as does decorative bark and other living plants near buildings. Thursday, October 28, 2010 • Keep pests from reaching food sources. These are mainly in the kitchen, pantry and food storage areas. Monitor for pests using glue-board traps and look around for possible feeding damage or feces from mice. • Don't store foods rich in carbohydrates, such as grain and pasta, in paper or light- weight packaging that is easily punctured (often the original packaging). Instead, use airtight, heavy duty, food-grade plastic, metal or glass containers. • Clean shelves and floor space in storage areas often. • Monitor pests. Most spiders feed on other arthropods and stay hidden from people as much as possible. Glue-board traps are useful in monitoring spiders and reducing spider and mouse populations. Traps into all thelVorld STOCKS • BONDS • CDs IRAs • MUTUAL FUNDS JESUS CRISTO Darin K Frandsen Financial Advisor www.edwardjones.com Member SIPC 446 South Mall Drive B-7 St George, UT 84790 435-627-2159 EdwardJonei DOS SANTOS DOS ULTIMOS DIAS VISITANTES SAO BEM-VINDOS MAKING SENSE OF INVESTING The Outdoor Report Elder Wes Young (left) is loving his time serving in the Sao Paulo, Brazil Mission. He has only 6 months to go and he is thinking of extending it for eternity. He has to walk everywhere he goes, and on cobblestone streets shoes don't last very long. He just wrote home and asked for his fourth pair of shoes. He loves the spirit that he feels while serving and finding those who are ready teach. Wes is the son of Julie and Lyle Young. Deer hunters: let your voice be heard If you like to hunt deer in Utah currently has. But areas After visiting wildlife.utah. Utah, you need to let the Utah within a region that have very gov/dwr/2011-deer-changes. Wildlife Board know which hunt- low buck-to-doe ratios would be html, you can let members of ing option you want the board to managed separately from the your Regional Advisory Council pass. rest of the region. know which option you prefer The Division of Wildlife ReIncreasing the regional either of the following ways: sources will present some major buck-to-doe average to at least Five public meetings will changes for the 2011 hunt at 18 bucks per 100 does would be held starting Nov. 9. Dates, public meetings in November. require reducing the total num- times and locations are as folThose changes could affect the ber of hunters by about 7,000. lows: number of bucks you see and Currently, 94,000 hunters Northern Region the ability you and your family are allowed to hunt. Nov. 9, 6 p.m. have to hunt. Because 7,000 fewer perBrigham City Community You can learn about the mits would be offered, the per- Center proposed changes by visiting mits that are available might 24 N 300 W, Brigham City wildlife.utah.gov/dwr/2011-deer- cost more. Central Region changes.html. Under Option 2, the state Nov. 10, 6:30 p.m. Anis Aoude, big game coor- would be split into 29 separate Springville City Multipurpose dinator for the DWR, says the hunting areas. These areas Room proposed deer hunting changes would be called units. The units 110 S Main ST, Springville are the biggest proposed in Utah would be managed on an indiSouthern Region in almost 15 years. "What's de- vidual basis so at least 18 bucks Nov. 16, 5 p.m. cided could change deer hunting per 100 does were found on Beaver High School as we know it," Aoude says. each unit after the hunts were 195 E Center ST, Beaver The DWR will present three over in the fall. Reaching at least Southeastern Region options. 18 bucks per 100 does on each Nov. 17, 6:30 p.m. Option 3 is similar to the of these smaller units—instead John Wesley Powell Muway deer hunting happens in of an average of 18 bucks per seum Utah today (see wildlife.utah. 100 does on a larger, regional 1765 E Main Street, Green gov/dwr/2011-deer-changes. basis—would require a deeper River html for details). The following cut in permits. Northeastern Region are highlights from the other two About 13,000 fewer hunters Nov. 18, 6:30 p.m. options: would be allowed to hunt under Western Park Raising the number of bucks Option 2. And permits would 302 E 200 S, Vernal compared to the number of does probably cost more. You can also provide your is the goal of both options. Two other notes about Op- comments to your RAC via eThe current goal is to man- tion 2: mail. E-mail addresses for the age Utah's general season arThe state's Dedicated Hunt- members of the RACs are availeas so biologists find at least er program would change under able online. 15 bucks per 100 does after Option 2. The program would The group each RAC memthe hunting seasons are over probably become a one-year ber represents (sportsman, in the fall. Both of the new op- program. Before you could join non-consumptive, etc.) is listed tions would raise that goal to 18 the program, you'd have to draw under each person's e-mail adbucks per 100 does. a permit for the unit you wanted dress. You should direct your Raising the number of bucks to hunt. After getting a permit e-mail to the people on the RAC per 100 does requires reducing and joining the program, you'd who represent your interest. the number of bucks hunters be allowed to hunt all three seaMembers of the Utah Wildtake during the general season sons—archery, muzzleloader life Board will use the public hunt. And there's only one effec- and rifle—an the unit you drew input they receive directly and tive way to do that—reduce the a permit for. through the RACs to decide number of hunters. Under Option 2, it's likely which of the three options to apOption 1 is the DWR's pre- that archery hunters would be prove. ferred option. Under this option, required to hunt within a single Members of the board will general season hunting would unit. Currently, archery hunters make their decision when they continue within the five regions can hunt statewide. meet Dec. 2 in Salt Lake City. The Outdoor Report is Sponsored by: 4 SATTERWHITE DWEs N•TExAs.. Family. Experience. Quality. should be placed in secluded areas potentially used for pest travel. Check traps at least weekly. One glue board will hold a large number of spiders. During warmer months, if you are not too squeamish, spiders may be caught and released outside, away from structures, so that they continue to control unwanted insects. • Use pesticides sparingly. For arthropods such as spiders and insects, pesticides are available for control. For many reasons, these should be considered as a tool for control, but only after other methods have been exhausted. Pesticides control most arthropods, whether they are good or bad. Many pests breed faster than beneficial insects, so excessive spraying can actually make pest problems worse long-term. If spraying is needed, use it as a short-term solution in conjunction with other control methods such as exclusion. Over time, the insects become resistant to pesticides. Many sprays are available for indoor and outdoor use and will last for weeks to months. Keep in mind that no matter how many control methods are used, it is virtually impossible to exclude all unwanted pests, and squishing or trapping a few is just part of life. 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 into all the World Rasmussen Ace Hardware is sponsored by ACE Paints Sporting Goods Whirpool Appliances 528-7513 The helpful place. 435 South Main • Gunnison Beautiful Custom Brick Home in Centerfield on 1.05 acres • 3600 sq. ft. 5 bedrooms, 3 full baths • 3 car garage Completely landscaped Priced to sell! • $239,000 Call Lynn at 435-896-3618 or 435-528-5876 |