Newspaper Archive of
Hays Free Press
Kyle, Texas
Lyft
November 16, 2011     Hays Free Press
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November 16, 2011
 

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Page 2D + BUSINESS Hays Free PresI • November 16, 2011 4- These photos were presented to the Buda City Council on Oct. 18. • Interior building damage • Roof damage • Alley cleaning and reconstruction • Street and alley lighting • Vacancy and underutilized buildings • Lack of plumbing • Deteriorating buildings , Structural damage • Sidewalk repair • Restaurant inspection • Grease barrel inspection • Dumpster placement • Substandard buildings for occupancy [] [] These days, you can purchase just about anything you want on the Internet. However, you can still benefit from a human, face-to-face experi- ence for some purchases - such as your investments. And that's why you may want to work with a finan- cial professional. Unlike a computer inter- face. a financial profession- al will take the tfime to truly know your situation today - and then help you make adjustments tomorrow. Let's first look at two key areas a financial profession- al will consider today: • Your risk tolerance - By asking the right questions. a financial professional can help you determine if you're a moderate, conservative or aggressive investor and then recommend those invest- ments that are suitable for your risk tolerance. • Your time horizon - If you're saving for a down payment on a new home you expect to purchase within two or three years. you may want an invest- ment that offers significant preservation of principal. But if you're saving for retirement, and you're three decades away from it, you'll likely need investments that offer the potential for growth. Your financial advi- sor can help you choose the mix of short- and long-term investments that can help you make progress toward all your goals. , TAX PREPARATION & PLANNING ~ Individuals . ,, PartnershiPs ,, Corporations ,, Trusts ~ ~, Non-Profit Organizations = ACCOUNTING & BOOKKEEPING i:, SERVICES • PAYROLL SERVICES~i~:!i:~!’~'~ . REPRESENTATION BEFORE THE INTERNAE REVENUE SERVICE =C0NSULTA nON . OulckB00ks ~nstallation & Training Choice of BusinessEntity co.ta, today fo, A you leave your job can help you make the right choice FINANCIAL for your retirement savings. i~:~i~:)~:i~,;i~O.~i~i:Sii:i~:::;:i! A qualified financial profes- ~:~ ~ :"~°~' "i~:°'~ sional can help you review and understand your rollover options. • Retirement- Once you financial professional who is familiar with your situation can help you make the right moves to enjoy the retirement lifestyle you've envisioned. Now. let's look at the types of milestones that a financial professional can help you with as your life progresses: • New child -When you bring a new child into your life. you also add new respon- sibilities. Do you have suf- ficient life insurance? Do you plan on helping the child pay for college? If so. what college funding vehicles should you consider? A financial profes- sional can help you answer these questions. • New spouse -Whether you're getting married for the first time, or you're remarry- ing, you'll have to reconcile your financial picture with that of your new spouse. A financial professional can re- view both your situations and possibly recommend ways for you to reduce debt. eliminate redundancies in your invest- ment portfolios and consoli- date insurance coverage. • Career change-When you change jobs, you may have to make many invest- ment-related decisions: Should you move the assets from your old employer's 401 (k) to an IRA? Or should you roll over your old 401(k) to your new employer's plan. if a rollover is allowed? Knowing your options when So, when you really want to invest, leave the "virtual" retire, you'll have several is- world behind and connect sues to consider: How much with a financial professional can you withdraw from your - someone who has gained investments each year? From insight into your individual which accounts? Should you needs and who has the expe- rebalance your portfolio to rience and expertise to help provide more potential sourc- you build, maintain and ad- es of income? What about the just a portfolio that can help transfer of your wealth? A you move toward your goals. :gnOw Tha ESgi ing i. iSi= he peak day for Find more helpful safety information at www.pec.coop/safetytips >> POWER PEDERNALEc. N OF COMMUNITY ELECTRIC COOPERATIVE CENTRAL TEXAS MEDICAL CENTER CTMC Hospice Care is celebrating 20 rears of end- of-life service in our 7 county targe commun'ay. Every November during National He )ice Month, we rededicate ourselves to our missi n of ensuring a peaceful and comforta ble death fo[ our patients and their families providing care with/compassion, competency and a great sense of hun If yo. or someone you love is consider choice of hospice care, please cont so a staff member can help you make choice. 1315 IH35 NORIH I SAN MARCO& TX 786661512-7! "You matter until the last moment of you Cicely Saunders, Founder of the modern hospice (1918--2q ,ility, ng the loving ct our office, an informed 4-6159 r life."