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Afternoon Cruise on the St. Johns River

January 29th, 2013 Posted in Local Events

If you live in the Orange City Florida area and would like to meet the women of the Village Improvement Association Orange City Woman’s Club, we would love for you to join us. Here are all the details from our president Priscilla Ballasy:

For our February meeting we will be taking a tour on the St.Johns River.  We will meet at the church parking lot at 12:15 on Thursday, February 7th so that we may car pool.  From there we will proceed to Blue Springs Manatee Park where we will board a pontoon boat for our 2 hour narrated tour.  The cost is $18.00 per person and I am opening this up to guest as well.  It will cost $6 to enter the park so if you car pool with someone, please offer $1 each to help the driver with the entry fee.  The hostesses for our meeting day will be bringing snacks and things for us to nibble on while we tour the river.  If you commit to this and then do not attend, you will still owe the $18 so please make a final commitment.  Please call Priscilla at 774-0288 if you plan on attending.

Beware the January effect.

January 29th, 2013 Posted in Business, Finance Tips

The market can not keep rising at its present rate for the long term.  Do your research! Buy good stocks at the right price. Don’t get caught up in the “herd mentality” of “everybody is doing it so I will to”.  Do your research. Numbers don’t lie.  Buy only when you are making an informed and rational decision.  Good stocks at the wrong price are not good buys.


Are Your Assets Growing?

January 22nd, 2013 Posted in Business, Finance Tips

Ok so you are starting to get started on your  finances for the new year but first you need to know what happened in the past year or years so you have a base to build on.  This is my very simple method I do it with paper and pencil but you can use what ever works. The really BIG secret is to have a written record and not just rely on your memory!  At the top of my paper I write the year as of Dec. 31 so this years paper reads as of Dec. 31 2012.  Then I list the accounts on the left hand side(401Ks, IRAs, checking, savings, money market, stock broker, CDs or Bonds not already included) I also list the total face value of my US Saving Bonds.  You might also want to include other large assets such as house, vehicles, boats.  You can also give a guess to all of the other stuff you own.  I look at all of my statements and write the balance as of Dec. 31.  Then I total it.  Next you can write down liabilities (loans, credit cards) anything you feel obligated to pay I do not included monthly items such as utilities.  At the very bottom any notes to yourself.  Now put it away next year you do the same thing and then look at both.  This way you will really know if your assets are growing.  The whole thing should not take more then 15 minutes and it gives you a solid base to work from no matter what is happening in your life financially.

Get Oranginzed in the New Year…..What to throw away?

January 16th, 2013 Posted in Business, Finance Tips

Well it is time to get ready to do your income taxes. The first thing everyone must do is gather up anything you have that might be needed. I organize it by what it is and then bundle each stack with a rubber band. Example: all credit card statements one bundle, bank statements another bundle and so on. While I am doing this I also look through my stacks and throw away that which is no longer needed. If in doubt, wait until after you have done your taxes just to be sure. Start the year organized! Do not throw out anything dealing with old taxes until you have done your 20

12 taxes.

–Michele Burier mburier@netzero.net

Improving your 401(k)

January 8th, 2013 Posted in Business, Finance Tips

Here we are with the beginning of a new year.  If you can, it is a good idea to try to increase the amount of your contribution to your 401(k).  If  you are doing it in dollars, change to a percent. That way it will increase if you get a raise.  If you are already doing a percent, try to increase it even if only by 1%. Every little bit helps!  It is also time to start thinking about taxes and getting organized and possibly throwing no longer needed papers away or deleting unneeded items from your computer.

–Michele Burier mburier@netzero.net

New Year – New Goals!

January 8th, 2013 Posted in Girl Stuff, Seniors, WholeSum Thoughts

Greetings Everyone.  I hope you all were able to with the family and enrich what’s important, our family bonds.  I will be focusing on a new charity that I am trying to put together to help local families get information and assistance with mental health issues and social services.  The charity will be known as MUMS which stands for Moms United for Mental Stability of West Volusia County.  You can read more about it at www.mumswv.com.


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