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Show Page 4 The Gunnison Valley Gazette Automatic investing can pay off for you To achieve investment success, you don't have to start out with a huge sum or "get lucky" by picking "hot" stocks. In fact, very few people actually travel those two routes. But in working toward your investment goals, you need to be persistent — and one of the best ways to demonstrate that persistence is to invest automatically. How do you become an "automatic" investor? You simply need to have your bank automatically move money each month from a checking or savings account into the investments of your choice. When you're first starting out in the working world, you may not be able to afford much, but any amount — even if it's just $50 or $100 a month — will be valuable. Then, as your career progresses and your income rises, you can gradually increase your monthly contributions. By becoming an automatic investor, you can gain some key benefits, including these: • Discipline — Many people think about investing but decide to wait until they have "a little extra cash." Before they realize it, they've used the money for other purposes. When you invest automatically, you're essentially taking a spending decision "out of your hands." And as you see your accounts grow over time, your investment discipline will be self-reinforcing. • Long-term focus — There's never any shortage of events — political crises, economic downturns, natural disasters — that cause investors to take a "timeout" from investing. Yet if you head to the investment sidelines, even for a short while, you might miss out on some good opportunities. By investing automatically each month, you'll maintain a long-term focus. • Potential for reduced investment costs — If you invest the same amount of money each month into the same investments, you'll automatically be a "smart shopper." When prices drop, your monthly investment will buy more shares, and when prices rise, you'll buy fewer shares — just as you'd probably buy less of anything when prices are high. Over time, this type of systematic investment typically results in lower costs per share. Furthermore, when you invest systematically, you're less likely to constantly buy and sell investments in an effort to boost your returns. This type of frequent trading is often ineffective — and it can raise your overall investment costs with potential fees, commissions and taxes. (Keep in mind, though, that systematic investing does not guarantee a profit or protect against loss. Also, you'll need the financial resources available to keep investing through up and down markets.) Clearly, automatic invest- Thursday, June 7, 2012 The Outdoor Report ing offers some major advantages to you as you seek to build wealth. Of course, if you're contributing to a 401(k) or other employer-sponsored retirement plan, you're already automatically investing because money is taken out of your paycheck at regular intervals to go toward the investments you've chosen in your plan. But by employing automatic investing techniques to other vehicles, such as an Individual Retirement Account (IRA), you can continue your progress toward your longterm goals, including retirement. So, do what it takes to become an automatic investor. It's easy, it's smart — and it can help you work toward the type of future you've envisioned. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. See bald eagles on June 14 and 16 You can see two adult bald eagles and two eaglets that recently hatched during free field trips in June. The Division of Wildlife Resources will host the field trips on Thursday, June 14 and Saturday, June 16 as part of its year-round Watchable Wildlife program. The trips will leave from the Department of Natural Resources building in Salt Lake City each evening at 6 p.m. The DNR building is at 1594 W. North Temple. The field trips are free, but reservations are required. To reserve a spot, call Bob Walters, Watchable Wildlife coordinator for the DWR, at 801-209-5326. If you participate, you'll follow Walters in your vehicle, traveling on mostly paved roads to the viewing site near the southeastern shore of the Great Salt Lake. Walters will have some spotting scopes and binoculars, but if you have your own binoculars or spotting scopes, please bring them. "Also, dress for warm weather," Walters says. "And bring some water, mosquito spray and sunscreen." You can leave the viewing site any time during the evening. If you participate in one of the field trips, there's a good chance you'll watch the eaglets as they prepare to make their first flights. Walters says the eaglets should be dancing on the nest, beating their wings and making short "touch and go" flights between their nest and branches on their manmade nest structure. LIFE DOESN'T STAND STILL AND NEITHER SHOULD YOUR INVESTMENTS. Time can affect you as much as your investments. While you can't stop change, you can help make sure your investments match your current circumstances and goals. Fortunately, doing that may be as easy as meeting with your financial advisor. A free Portfolio Review from Edward Jones can help identify where your investments stand in relation to your goals. And help put time back on your side. To schedule a complimentary Portfolio Review, call your local financial advisor today. Darin K Frandsen s _.aw6 oto •37 ' 1 l oug ass Seeing bald eaglets is the focus of the free field trips. "All of these antics are part of the build up to that magic moment when the eaglets leave their nest for the first time," he says. The eaglets should be 10 to 11 weeks old when the field trips are held. Walters says the eaglets and their parents will probably stay at the nest site until the end of July. Then they'll leave the site to fly to other areas where the eaglets will continue to grow. Walters says bald eagles often nest at the same site every year. The adult eagles you see on June 14 or June 16 could be the same pair that has nested at the site since 1996. However, because the eagle pair didn't produce any young in 2009 or 2010, Walters believes one of the adult eagles might be a new bird. Before this pair of eagles, 1928 was the last time biologists documented nesting bald eagles in the northern part of the state. Bald eagles first nested at this northern Utah site in 1996. Two or three eaglets have been raised each year during 14 of the past 16 years. Since 1996, a total of 36 eaglets have been raised at the nest site. "To say the least," Walters says, "this Great Salt Lake eagle pair is really productive." Walters says the nesting success the eagles have found illustrates the quality and the importance of the streamside and lakeside habitat in this area near Great Salt Lake. "Habitat within the greater Great Salt Lake area is important to these eagles and many other species of wildlife," he says. In addition to the northern Utah site, biologists know of at least 10 other active bald eagle nest sites in Utah. "And there could be more nest sites we haven't found yet," Walters says. Financial Advisor St George, UT 84790 435-627-2159 528-5001 Hwy 89 Northeast of Gunnison Open Monday - Saturday The Outdoor Report is Sponsored by: 446 South Mall Drive B-7 S P O LI SH ED www.edwardjones.com *4^i9 Member SIPC Edwardionei LOG HOMES MAKING SENSE OF INVESTING Family. Experience. Quality. The First Word and Las Name in Log Homes! 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