financial corner… · · 2017-01-08needs if you face an unexpected hardship. ... , a 10%...

Copyright © 2009 Peel, Inc. Hunter's Glen Newsletter - March 2009 �

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March 2009, Volume 3, Issue 3A Newsletter for Hunter’s Glen

Financial CornerSubmitted by Rich Keith

Rollover your 401(k)? Youhaveseveralchoiceswhenyouretireorchangejobs.YoucanmoveyourassetsintoanIRA,rollyourassetstoaplanwithyourcurrentemployer,keepyourassetsinyourformeremployer’splan,ortakeyourdistributionincash(withdrawalpenaltiesmayapply). Simplifying your finances is an important part of a soundfinancial strategy. By bringing your old 401(k)s and IRAstogether,youcanmanageyourretirementsavingsmoreefficiently.YoucanfirstdecideifarolloverisrightforyoubydeterminingifconsolidatingyourretirementsavingsintoanIRAor401(k)makessense,inlightofyourspecificneedsandsituation.

Consolidate in an IRA if you want:¹ Amorecompleteviewofyourfinancialpicture,makingiteasiertomaintainappropriateassetallocationFreedom from restrictions that may be present in yourworkplacesavingsplanAccesstoafullrangeofmutualfunds,stocks,bonds,CDs,andotherinvestmentsThe ability towithdrawpenalty-free for afirst-timehomepurchaseorqualifiededucationexpensesMoreflexibledistributionoptionsforbeneficiaries

Consolidate in a workplace savings plan (e.g., 401(k) plan) with your current employer if you:¹

NeedadditionalassetprotectionfromcreditorsWillneedtotakealoanfromthisplan(ifallowedbyyouremployer)

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Are over age 70½ and want to defer your requireddistributionsInvest inspecially-pricedorcustominvestmentoptionsorusemanagedmoneyservicesinyourplan(andthebenefitsoftheseoptionsoutweighthoseofanIRA)

Leave your assets in your former employer's plan if you:¹ Stoppedworkingforthatemployerbyatleastage55andarenotyet59½,needtowithdrawfundsforanimmediateneed,anddon'twanttoincuranearlywithdrawalpenaltyTake advantage of specially-priced or custom investmentoptionsormanagedmoney services inyourplan (and thebenefitsoftheseoptionsoutweighthoseofanIRA)

"Cashing Out" of a 401(k) Dependingonyourplanandyoursituation,youmaychoosetotakethemoneyoutofyour401(k)plan.Ifyoucashout,youwillgainimmediateaccesstoyourmoney,whichmaysuityourneeds if you face an unexpected hardship.However, beforeage59½,a10%withdrawalpenaltymayapply,andyourcashdistributionwillbesubjecttostateandfederaltaxes.Ofcourse,yourmoneywillalsonolongerhavethepotentialtocontinuetogrowtax-deferred. Next step:Checkwith yourfinancial professional to helpyoumaketherightchoicesforyourspecificsituation.Sources:FidelityInvestments,FinancialIndustryRegulatoryAuthority.Note1:YoushouldalsoconsidertheimpactofNetUnrealizedAppreciation(NUA)ifyouholdcompanystockinyourworkplacesavingsaccount.

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2 Hunter's Glen Newsletter - March 2009 Copyright © 2009 Peel, Inc.

Hunter's Glen

Attention Teenagers The Teenage Job Seekers listing service is offered free of chargeto allHunter'sGlen teenagers seekingwork.Submityournameandinformationbythe15thofthemonthtoarticles@peelinc.com

Support the Troops TheNorthTexasBlueStarMothersLoneStarChapterisanofficialsanctionedorganizationofMothersofdeployedServiceMenandWomen.Themembersofourgrouparevolunteerswiththepurposeofsupportingourservicemenandwomenandactasasupportgroupforeachother.Weaccomplishthisbyadoptinglocaldeployedservicemenandwomenandsendingthemacarepackageeachmonth.Wearereachingouttoourcommunityinsupportofmuchneededsupplies. Ifyoucanorwould like tohelpwithsomedonations,pleasecontactPaulaRuneyof7404Scoutat972-208-1283.Belowyouwillfindafewitemsthataremuchappreciatedandneededbyourtroops.ThankyouandGodBless!

New or recent Books and MagazinesMedical Supplies (Tylenol, gauze, ointments such burn

ointments, Neosporin)Toiletries (pads, tampons, shampoo, baby wipes, disposable

razors, tooth paste, tooth brushes, deodorant, mouth wash, lotion, baby powder)

Clothing (socks, boxer shorts, etc.)Travel Size Games (playing cards, dominos, UNO, etc.)Snacks/Food- non perishable items (soup cups, chips, little

Debbie snacks, tuna packs, crackers, beef jerky, etc.)

NotAvailableOnline

Newsletter InformationEditor LindaWinebar.....................................articles@peelinc.comPublisher Peel,Inc.........................www.PEELinc.com,512-263-9181 [email protected],512-263-9181


Hunter's GlenREMEMBER, PLEASE: Dallas

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WhiteGlove is not health insurance butrather a new provider choice for routinemedical care.

Classified AdsPersonal classifieds(onetimesellitems,suchasausedbike...)runatnochargetoHunter'sGlenresidents,limit30words,[email protected] classifieds(offeringaserviceorproductlineforprofit)are$50,limit40words,pleasecontactPeel,[email protected].

TheHunter'sGlen newsletter is a private publication published by Peel, Inc. It is notsanctionedbyanyhomeownersassociationororganization,norisitsubjecttotheapprovalofanyhomeownersassociationororganization,norisitintended,norimpliedtoreplaceanypublicationthatmaybepublishedbyoronbehalfofanyhomeownersassociationororganization.AtnotimewillanysourcebeallowedtousetheHunter'sGlenNewslettercontents,orloansaidcontents,toothersinanyway,shapeorform,norinanymedia,website,print,film,e-mail,electrostaticcopy,fax,oretc.forthepurposeofsolicitation,commercialuse,oranyuseforprofit,politicalcampaigns,orotherselfamplification,underpenaltyoflawwithoutwrittenorexpressedpermissionfromPeel,Inc.TheinformationinthenewsletterisexclusivelyfortheprivateuseofPeel,Inc.

If you would like to submit YOUR recipe email it to [email protected].

Jalapeno Corn Bread •1½CupsCornmeal •2/3C.Vegetableoil •2eggs •3tsp.bakingpowder •1tsp.salt •1cancreamcorn •3smalljalapenopeppers •1C.sourcream •1C.cheddarcheese(grated)

Mixallingredientsexceptthecheese.Pourhalfintogreasedpan.Sprinkleonhalfofthegratedcheese.Pourrestofbatteroverthecheese,thentopwithremainderofcheese. Bakeat450°for30minutes.

� Hunter's Glen Newsletter - March 2009 Copyright © 2009 Peel, Inc.

Hunter's Glen

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Don’t Become a Statistic!Submitted by Allison Weaver

StatisticstellusthatthenumberofnewgymmembershipsskyrocketinJanuaryandplummetbytheendofMarch.Thesameholdstrueforsomewhogoitaloneandstartabrandnewregimenwiththeirfamily,friends,orprivatetrainers/classes…..doNOTbecomeastatistic!!Youcandothis–youcankeepitgoing!Restart,takeadifferenttact,tryanewfood,startgettingoutsideagainandberejuvenatedwhenthesuncomesout–whateverittakes.Itisneveroverwhenyoumakeamistake,falloffthehorse,eatapanofbrownies,orotherwisebringtoahaltyourjourneytowardafull,vital,healthylifestyle.Itisalsonevertoolatetobeginagain.

Re-check your fitness routine. Isitrealistic?Whatisyourschedulereallylike? Doyouneedtogetyourselftobed15minsearliersoyoucanwakeupearliertogetajumpstartonyourday?15minutesofstretching,jumpingjacks,pushups,andcruncheswilldowonderstostartthoseendorphinsrushingandreallybeginyourdaywithabang!Howaboutlunch?Canyoueatasaladatworkandgoforawalkafter?Howaboutthestairs?Aretheyaccessible?Askyour“podbuddy”iftheywanttoseehowmanymoreflightsyoucanclimbinoneweek.

After Work: Playsoftballwiththekidsintheyard.Throwafewsprints inbetweenpitches.Pitch/hit3 times–5 sprints….greattogethertime,practicetimeandgreatcardio!Splittrainingsuchasthisisproventobeatleastaseffectiveas,ifnotmoresoforsome,thanastraighthourortwoofnon-stoptraining.

Re-check your goals:Aretheyattainable?Howmuchtimehaveyouallowedforplanningyourgroceries,lunches,familydinners?Howaboutyourworkoutroutine?Isitwrittendown?Isyourroutineinbite-sizedpieces(punintended!)orisitmorebroadspectrum?Remembertobespecificinyourgoals.Ifyourgoalistoadd2minutes toyourrun tomorrow; that’sgreat! It’saspecificgoal,timemeasured,andattainable.Butdon’tstopthere…..onceyoureachthatone,setahighergoal,largerthanthelast,loftiereachtime.Beforeyouknowit–you’rehikingintheRockies!!!Itreallyisdoable.Youreallycandothis!!

Are you bored with what you’re doing? Shakethingsupabit;getsomerollerblades,abike(withahelmet),findafitnessclassthatcanbeyour“nightout”withfriends.You’llbesurprisedathowmuchfunyoureallycanhaveinthenameofexercise!

(Continued on Page 5)


Hunter's GlenNewsletter Article Submissions

Interestedinsubmittinganarticle?Youcandosobyemailingarticles@peelinc.comorbygoingtohttp://www.peelinc.com/articleSubmit.php.Allnewsmustbereceivedbythe20thofthemonthpriortotheissue.Soifyouareinvolvedwithaschoolgroup,scouts,sportsetc–pleasesubmityourarticlesforTheHunter'sGlennewsletter.PersonalnewsfortheStorkReport,TeenageJobSeekers,specialcelebrationsandmilitaryservicearealsowelcome.

We Challenge What You Pay For Electricity!If SparkPowerBank isn’t your current electricity provider…chances are you're paying too much!

I’m Texas Energy Analyst Alan Lammey. Maybe you’ve heard me on the radio talking about the market forces that drive energy prices. I’m here to tell you that you’re not stuck paying those high prices to big electric companies anymore! Stop it.

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DISCLAIMER:ArticlesandadsinthisnewsletterexpresstheopinionsoftheirauthorsanddonotnecessarilyreflecttheopinionsofPeel,Inc.oritsemployees.Peel,Inc.isnotresponsiblefortheaccuracyofanyfactsstatedinarticlessubmittedbyothers.Thepublisheralsoassumesnoresponsibilityfortheadvertisingcontentwiththispublication.Allwarrantiesandrepresentationsmadein theadvertisingcontentaresolely thatoftheadvertiserandanysuchclaimsregardingitscontentshouldbetakenupwiththeadvertiser.*Thepublisherassumesnoliabilitywithregardtoitsadvertisersformisprintsorfailuretoplaceadvertisinginthispublicationexceptfortheactualcostofsuchadvertising.*Althougheveryeffortistakentoavoidmistakesand/ormisprints,thepublisherassumesno responsibility for any errors of informationor typographicalmistakes, except aslimitedtothecostofadvertisingasstatedaboveorinthecaseofmisinformation,aprintedretraction/correction.*Undernocircumstancesshallthepublisherbeheldliableforincidentalorconsequentialdamages,inconvenience,lossofbusinessorservices,oranyotherliabilitiesfromfailuretopublish,orfromfailuretopublishinatimelymanner,exceptaslimitedtoliabilitiesstatedabove.

Are you bored with what you’re eating?? Saladdoesnothavetobeyourmaincourseeveryday.Howaboutsomegrilledchickenwithmangosalsa?Tryaddingchipotlesaucetoadish(likebroccoli)–incredible roasted,smokyflavorwithagreatkick!No timeforfish?TherearegreatfrozenSalmonandTilapiafilets,addalittlelemonpeppersprinkle,maybeevenalightItaliandressing,keepitgoingwithsteamedasparagus,andVoila!Abeautiful,healthy,andtastyalmostinstantmeal.Weareaestheticcreatures,so“eatingtherainbow”willaddpleasuretotheeyesasitaddsnutritiontothebody.Incorporatingredbellpeppers,yellowbellpeppers,maybesomeportabellamushroomstobrightenupandchangeadishincolor,flavorandtexture.JustasprayofOliveoilinapanandafewminutesonthestove,andyou’reinbusiness.Remember:Alwayskeepyourfoodas“closetothetree”aspossible.ThatmeanseatitasGodmadeit;notafterit’sbeenprocessed.Thiswillkeepyouhealthyforlife.Ifyouhavetowonder–it’sprobablyprocessed!

Youdonothavetore-inventthewheel–justkeephealthycookbookshandy,saveyourfavoritefitnesswebsitesonyour“bookmark”tab,sowithaquickturnofthepage,orclickofthemouseyouwilladdnewdimensionstoyourpersonalandfitnessandnutrition!Youcandothis–yesyoucan!!!

Don't Become a Statistic - (Continued from Page 4)


Hunter's Glen

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Advertise YOUR businessto YOUR neighbors forless than 9¢ per home.

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Alternatives to Microsoft OfficeSubmitted by Laurie Scott

AnyonewhoworksinanofficeandwithacomputerprobablyhasMicrosoftOfficeinstalledonit.Word,PowerPointandExcelandfoundinalmosteverycorporateenvironment.Butwhenitcomestime tobuysoftware foryourhomecomputer,mostpeopledon’trealizetherearefreeandlow-costalternative.Tostart,MicrosoftdoesofferanOffice2007“HomeandStudent”

editionthatI’veseenonlineforaslowat$80.ThiseditionincludesWord,PowerPoint,ExcelandOneNote,butnotOutlook,whichiswhatmanyOfficeusersexpectwiththeir“office”suite.Themost popular free option is probablySun’sOpenOffice 3

(availableatwww.openoffice.org)Ithaspowerfulwordprocessing,presentation and spreadsheet programs that are compatible withMicrosoftOffice,andalsoincludesagraphicsprogramanddatabase(butagain,noe-mailprogram.)

Another free alternative is a surprising name from the past.Lotus(ownedbyIBM)hasresurrecteditsSymphonysuiteandisclosertoOpenOfficethatMicrosoftOffice.ItsprogramsareIBMLotusSymphonyDocuments,IBMLotusSymphonyPresentationsandIBMLotusSymphonySpreadsheetsandalsoofferMicrosoftOfficecompatibility.

Googlehasrecentlyenteredtheofficeapplicationfraywiththeirownproduct(whicharestillin“beta”–aGoogletrademark),GoogleDocs.ItoffersMicrosoftOfficecompatibilityforWordandExcelwithatwist,everythingisstoredonline.Youcanaccessandshareyourfileswithanyonefromanywhere.Someconsiderthisthefuture,knownas“cloudcomputing”(theinternetisthecloudincomputernetworkdiagrams.)Coreloffersan$89alternativethat iscompatiblewithOfficeWord,

PowerPointandExcel,butincludesVideoStudioLEforeditingyourhomevideos,andMediaOneSEforenhancingandorganizingyourphotos.

At the time of this writing, the most popular (non-Microsoft)emailclient,Eudoraisundergoingarewritebuttheolderversionsare still available at www.eudora.com. If you’re already usinghotmail, yahoomail,Gmail, or your InternetServiceProvider’s(ISP)web-basedmail,thenyoudon’tneedane-mailclienttorunonyourcomputeranyway.

So don’t automatically feel like you have to fork out a couplehundreddollarsjusttohaveOfficefunctionalityathome.ThereareaffordableandevenFREEalternativesoutthereforyou.

Happy Computing!


Hunter's Glen

Color the drawing below and mail the finished artwork to us atPeel, Inc. - Kids Club

311 Ranch Road 620 S, Suite 200Lakeway, TX 78734

We will select the top few and post their artwork online at www.PEELinc.com. DUE: March 31st

Attention KIDS: Send Us Your Masterpiece!

HU

Be sure to includethe followingso we can

let you know!Name: ________________________ (first name, last initial)

Email Address: __________________________________________________

Age:___________________________

[This information will only be used to notify you or your parents if your artwork was selected.]


Hunter's GlenPeel, Inc.311RanchRoad620S.Ste200Lakeway,TX78734-4775www.PEELinc.com

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PAIDPEEL, INC.

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