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Show Page 4 The Gunnison Valley Gazette Five ¢ ood reasons to create an investment strate Some people buy investments here and there, now and then. Others open an Individual Retirement Account (IRA), put some money in it, and then forget about it. But this type of haphazard investment behavior can lead to haphazard results. On the other hand, you've got five good reasons for creating and following a comprehensive, long-term investment strategy. • Reason No. 1: You want to enjoy a comfortable retirement lifestyle. For most people, building resources for retirement is the most powerful reason to invest. As a key part of your investment strategy, you'll want to consider investments that have growth potential. The proportion of your portfolio devoted to these growth investments should be based on your individual risk tolerance and time horizon. And, as you move much closer to your actual retirement date, you may decide to shift some — but certainly not all — of your portfolio from growth-oriented vehicles to those investments that can provide a reliable income stream and incur less volatility. • Reason No. 2: You need to stay ahead of inflation. Over the past few years, we've experienced relatively low inflation, but over time, even a low inflation rate can dramatically erode the value of your savings and investments. That's why you may want to consider investments that provide the potential for rising income. • Reason No. 3: You need to help manage the unexpected. You can't predict what life will hold in store for you. To cope with unexpected costs, such as a major car repair or a new furnace, you'll need to create an emergency fund containing six to 12 months' worth of living expenses so that you won't be forced to dip into your longterm investments. And to deal with other major uncertainties of life, you'll need adequate life and disability insurance. • Reason No. 4: You need resources for major life events. Your retirement may eventually require the bulk of your financial resources — but it's not the only milestone for which you'll need to save and invest. You may need a down payment on a house, or The Outdoor Report you may someday even want to purchase a vacation home. And if you have children or grandchildren, you may want to help them pay for college. • Reason No. 5: You'll want to keep in mind investment-related taxes. Taxes, like inflation, can eat into your investment returns. You'll need to evaluate whether you can benefit from tax-advantaged investments and retirement accounts, such as traditional or Roth IRAs. So there you have it: five good reasons to adhere to a unified investment strategy that's tailored to your situation. This type of "blueprint" may not sound glamorous, and it's certainly not a "get rich quick" formula, but it will help you stay on track toward your important financial goals. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. STOCKS • BONDS • CDs IRAs • MUTUAL FUNDS Darin K Frandsen 446 South Mall Drive B-7 St George, UT 84790 435-627-2159 Utah Avalanche Center up and running Utah Avalanche Center—keeping you on top of the Greatest Snow on Earth instead of being buried beneath it. Winter weather has arrived, avalanche danger is beginning to increase, and the Utah Avalanche Center is back in action for the season. Intermittent updates will be issued as needed and the Center will be in full time operation around mid-November. Center personnel will issue avalanche and mountain weather advisories for five regions around Utah, which can be accessed online at www. UtahAvalancheCenter.org , or calling 888-999-4019. The public can also sign up for automated emails of the advisory, and follow Utah Avalanche Center updates and events on Facebook and Twitter. By mid-November morning updates will be- gin on various radio stations, including Utah's public radio stations, and KSL each Saturday morning. Most avalanche accidents happen to those who are either unaware of the hazard, or overestimate their ability to deal with it. In 93 percent of avalanche fatalities, the victim, or someone in the victim's party, triggers the avalanche that kills them. This means that the vast majority of avalanche accidents don't happen by chance. Before you go out in the snow, backcountry travelers should take a basic avalanche class and check the daily avalanche advisory. Check the website www. UtahAvalancheCenter. org for a schedule of classes, online tutorials, including a video of Craig Gordon delivering his signature "Know Before You Go" lecture. The website is one-stopshopping for everything you need to know about avalanches. The Utah Avalanche Center is a partnership between the Forest Service and the non-profit Friends of the Utah Avalanche Center. Other major funding is provided by Utah Division of State Parks and Recreation, Utah Division of Emergency Management, Salt Lake County, Salt Lake Unified Fire Authority. Generous private funding through the Friends of the Utah Avalanche Center comes from Black Diamond and a long list of businesses and individuals. For a complete list of sponsors, visit www. UtahAvalancheCenter. org . The Outdoor Report is Sponsored by: www.edwardjones.com Financial Advisor Thursday, November 17, 2011 Member SIPC 528-5001 Hwy 89 Northeast of Gunnison 414:k c E c3ATTbRHITi vv Edward J ones MAKING SENSE OF INVESTING Family. Experience. Quality. Open Monday - Saturday The First Word and Last Name in Log Homes! Think Satterwhite for Log Homes, Rough Lumber, Timbers, Animal Bedding and Firewood BODY BARN Selling it Yourself? Let us help you! Mon - Fri 5 am - 10 pm Sat 5 am - 5 pm Closed Sundays 62 South Main Gunnison 435-528-5955 You can reach 1000 households weekly for as little as $6 per week Use the Classifieds to sell your car, truck, motorcycle, trailer, boat or more! MEMBERSHIP PRICES The Gunnison Valley Gazette can address, stamp, and mail your invitations for the price of a stamp! Call for details - 528-5178 Advertise in the d5 elacigifie Call 528 5178 Single Adult 19 & Older 16- 18 year old 13- 15 year old Couples Family (4) 62 & older Adult Day Usage 18 & Younger Day Usage Monthly Yearly $25 $200 $15 $150 $10 $100 $40 $350 $50 $500 $15 $150 $4 $2 •• • • • • • • • • • • • • • • • • • • • • • •• • • •• • •• • • • •• • • •• • • • • • •• • • • •• • • • • • • • • • • • • • • • • • • • • • • • _am All idly IJ11 to oio g loilill • 111■". 0 , Prices effective through November 23, 2011 Open Thanksgiving Day from 7 am to 2 pm Congratulations to Arnie Tucker! Winner of the $1100 Shopping Spree! Norbest Bone-In Frozen Wonder 12 ct. Brown 6 Serve 98o $.3.99m Western Family 8 oz. Medium or Large Swanson 14-14.5 oz. Asst. 99c 2for$1 Western Family 16 oz. Asst. Roast 1.9916. Whipped Topping Broth Nabisco 5.5-10 oz. Asst. Butter 149 89c Willamette Valley Beef Tenderloin Western Family oz. Asst. Western Family 1 lb. pkg. Salted or Unsalted Sour Cream 15 lb. Bag Idaho Russet Fresh Scratch Bakery 8" Fresh Baked Pumpkin Pie - 499 ea. Fresh Baked Dozen Plain Ilutterflake Rolls 149 2 pk. Iced Soiled Raisin Cake - 499 pkg. •• • • • • • • • • • • • • • • • • • • • • • • • • •• • •• Stuffing Pumpkin Pies Pitted Olives Rolls $Z19 • • • • Stove Top 5-6 oz. Asst. Fresh Baked Turkey Breast $15911). um' " • Snack Crackers Fresh Large Crisp No. 1 Potatoes Yams 2fork5 2for$1 Celery 2for$1 Fresh Service Deli Fresh Made Asst. Cheese galls - 4.99 lb. • 7 Layer Bean Dip - 1.99 ea. • Made-to-Order Large Meat 6 Cheese Trays: •• 19.99 ea. • •• • • • • • • • • • • • • • • • • • • • • • • • |
