SATURDAY , JANUARY 3 , 2015 ❚ S IU S LAW N EW S 7B ELLOW Na t iona l C lean Up You r Compu te r Mon th Sa tu rday ’s G raph ic S a v in g s A c coun t (ESA ) o r cu s t od i a l a c c oun t , y ou sh ou ld ch e c k th e f e e t ab l e in th e p r o sp e c tu s . Y ou c an u s e th e F INRA In v e s t o r Edu c a t i on F ound a t i on ’ s Fund An a l y z e r t o c omp a r e f e e s t o s e e h ow th e c o s t s o f a mu tu a l fund o r 529 p l an add up o v e r t im e . 5 . Und e r s t and th e l im i t a - t i on s and r e s t r i c t i on s o f y ou r c o l l e g e s a v in g op t i on s .M o s t t a x - ad v an t a g ed co l l e g e s a v - in g s p l an s c om e w i th ru l e s f o r h ow and wh en y ou c an u s e th e mon e y th a t h a s b e en s a v ed . F o r in s t an c e , th e r e a r e in c om e ph a s e ou t s f o r E SA s and edu c a t ion a l s a v in g s b ond s . Fo r mo r e r e sou r c e s , in c lud in g ou r c o l l e g e s a v in g s c a l cu l a t o r , v i s i t th e F INRA Found a t ion ’ s w eb s i t e : www . S a v eAnd In v e s t . o r g /L e a r nM o r e . G r a p h i c S e a r c h G o o d L u c k H e r e i s how i t wo rk s… W e w i l l pu t a g r aph i c o r pho to in th e bo x to th e l e f t . You f ind i t som ewh e r e in th e c l a s s i f i ed s . Com e in to ou r o f f i c e , En t e r you r n am e , phon e numb e r and d e s c r ib e wh e r e you found th e g r aph i c o r b r in g in a c l ipp in g to a t t a ch to you r en t r y in to th e d r aw in g fo r a g i f t c e r t i f i c a t e . IRECTORY ERV ICES N eed a C ontractor? L ooking for a P rofessional? Now is a good t ime to s ta r t sav ing fo r you r ch i ld ren ’s educa t ion . m en t r i s k .W i th m o s t c o l l e g e s a v in g s in v e s tm en t op t i on s , y ou m a y l o s e m on e y o r y ou r in v e s tm en t m a y no t g row en ou gh t o p a y f o r c o l l e g e . F o r e x amp l e , i f y ou in v e s t in s t o c k mu tu a l fund s , ch an c e s a r e th e fund s ’ annu a l p e r fo rm an c e w i l l m i r r o r th e p e r f o rm an c e o f th e s t o c k m a r k e t . Y ou m a y l o s e m on e y du r in g a d e c l in in g m a r k e t . On th e o th e r h and , wh i l e s a v in g s a c coun t s o r U . S . s a v in g s b ond s t yp i c a l l y p r o t e c t th e p r in c ip a l am oun t y ou s a v e , th e t r ad e - o f f i s th a t th e y l i k e l y w i l l n o t k e ep p a c e w i th th e in c r e a s e s in c o l l e g e c o s t s . 4 . F a c t o r in f e e s .M o s t c o l l e g e s a v in g s op t i on s h a v e f e e s and e xp en s e s . Sm a l l d i f - f e r en c e s in f e e s and e xp en s e s c an t r an s l a t e in t o a l a r g e d i f - f e r en c e o v e r t im e . I f you in v e s t in mu tu a l fund s th rou gh an Edu c a t ion a l The fo l low ing bus inesses are ready and wa i t ing for YOUR Ca l l!! Wednesday and Sa turday in the S ius law News D -053 CERT IF IED PUBL IC ACCOUNTANT Ru s s e l l L . W i lk in s on DEQ # 3 7 2 6 3 ( 5 4 1 ) 6 7 8 - 2 3 5 5 D -057 CB # 9 1 0 5 2 P H . 5 4 1 - 9 9 7 - 2 0 5 4 •F AX 5 4 1 - 9 9 7 - 3 4 9 9 •1 - 8 7 7 - 2 0 1 - 0 6 5 2 P .O . B OX 3 4 6 7 •1 7 7 0 L AUREL P L . •F LORENCE , OR 9 7 4 3 9 CLEAN ING SERV ICES LEISURE EXCAVATING INC. B e r g ’ s C l e an in g & M i s c . S e r v i c e s You Th ink It…We C lean It • Our Motto is “Just Ask” Indoo r /Ou tdoo r R e s id en t i a l & Bu s in e s s C l e an ing I n c l u d i n g b u t n o t l im i t e d t o : C o n s t r u c t i o n C l e a n -U p , W i n d ow s , P r e s s u r e W a s h i n g , G u t t e r s , C a r p e t , H a r d F l o o r i n g & M o r e . 54 1 -997 - 1288 • 54 1 -228 -2490 (T e x t on l y ) b e r g s c l e an in g@ho tm a i l . com CCB #192681 DEQ #37943 D -182 LANDSCAPE MATER IALS • CAT WORK •CLEAR ING GRAD ING • SAND & GRAVEL - U -HAUL o r DEL IVERY BARK •CEMENT M IX •DRA IN F IELD ROCK •SEPT IC SYSTEMS TOPSOIL WHEN AVAILABLE Ca l l for Free Est imate – 997 -6300 PEST CONTROL D -070 CONSTRUCT ION /CONTRACTORS Fo r Wha t ’ s Bugg ing Y ou Charles D . Benson Env i ronm en ta l ly R e spon s ib l e F r e e In sp e c t ion s Res ident ial Remodel ing Spec ial Needs Baths • Ramps • Doorways • K itchens • ccb # 541 -997 -4027 CCB # 7 9 8 8 4 D -135 Bea rC law Con s t ru c t ion LANDSCAP ING /NURSER IES Re s iden t ia l & L igh t Comme r c ia l Roo f ing , S id ing , W indow s , Doo r s , D ry Ro t , Cu s tom Deck ing , Pa in t ing : in t & ex t , T i le Se t t ing N o J o b i s t o o s ma l l P r e s s u r e W a s h i n g t o P r e s e r v a t i o n S e r v i c i n g F l o r e n c e a n d t h e P a c i f i c N . W . f o r o v e r 1 4 y e a r s . o n e c a l l d o e s i t a l l . 5 4 1 - 9 9 9 - 9 2 1 1 20+ y ea r s E xp e r i en c e D -222 L i gh t C omm e r c ia l & R e s i d en t i a l CCB # 1 2 7 0 8 8 B on d e d & In s u r e d W e sp e c i a l i z e in S t ru c tu r a l P r ob l em s and D r y R o t Ca l l Robe r t o r Ma r c u s 5 4 1 - 9 9 7 - 5 9 7 0 • 5 4 1 - 9 9 1 - 7 8 7 0 ( c e l l ) •R e a s o n a b l e R a t e s• •R e a s o n a b l e R a t e s• •R e a s o n a b l e R a t e s•R e a s o n a b l e R a t e s•R e a s o n a b l e R a t e s•R e a s o n a b l e R a t e s•R e a s o n a b l e R a t e s• Robe r t ’ s Hand yman Se r v ice & Cons t ruc t ion , Inc . G ENERAL C ONTRACTOR • Remode l ing • New Cons t ruc t ion • Sub -Con t r ac t ing • Add i t ions • Found at ions & F l atwo rk 541 -997 -2197 CCB#164472 D -077 ELECTR ICAL REAL ESTATE L ynn e t t e W ik s t rom – B rok e r (541 ) 999 -0786 541 -999 -8727 J a c k M ob l e y C on s t ru c t i on , In c . and r ecei ve a FREE Ra y W e l l s , I n c E XCAVAT ING • S EPT IC S YSTEMS • S UBD IV IS IONS L AND C LEAR ING • P AV ING • T RUCK ING B RUSH & D EBR IS R ECYCL ING • D EMOL IT ION 3 0 Y e a r s E x p e r i e n c e • S e n i o r D i s c o u n t • L i c . # 7 8 9 3 5 •R e a s o n a b l e R a t e s•R e a s o n a b l e R a t e s•R e a s o n a b l e R a t e s•R e a s o n a b l e R a t e s•R e a s o n a b l e R a t e s Siuslaw News EXCAVAT ING ru s sw 0 8 0 6 4 5@ gm a i l . c om 1 5 2 5 W e s t 1 2 th S t . S t e . 1 3 , F l o r en c e , OR 9 7 4 3 9 D e ad l in e fo r tod a y ’ s p ap e r : Mond a y b y 3 :00 PM Sub ay scr i be or Renew Tod D -085 C e r t i f i ed Pub l i c A c c oun t an t T a x e s , A c c oun t in g & Bu s in e s s C on su l t a t i on G i f t C e r t i f i c a t e s mu s t b e p i c k ed up w i th in 2 w e e k s o f w inn in g RO LAND FORT IN found the New Ye a r G r aph i c on P age 8B ( In t ie o f fe l l a in Bu s ine s s New s And No te s ) . He won a g i f t ce r t i f i c a te to Wedne sd a y ’ s Mon Am i De l i & An t ique s G r aph i c S Y D COAST REAL ESTATE 100 H i ghw a y 101 F lo r en c e , OR 97439 D -262 VETER INAR IANS Lower Umpqua Ve ter inary C l in ic We do Endoscop ic Procedures , U l trasound & Lazer Therapy Trea tmen t 199 Po r t Do ck Road , R e ed spo r t , OR 97647 Ph : 54 1 -27 1 -4696 Fax : 54 1 -27 1 -267 1 www . l ow e r um p q u a v e t e r i n a r y c l i n i c . n e t D -266 W INDOWS ! 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Co f fee (any s ize ) B a s i c P l an – $18 e v e r y 10 -w e e k s (20 i s su e s ) Annu a l P l an - $52 -w e e k s (104 i s su e s ) Th r e e wa y s to sub s c r ib e o r r en ew 1 ) C a l l 541 -997 -3441 2 ) On l in e www . th e s iu s l awn ew s . com 3 ) M a i l PO Bo x 10 F lo r en c e OR 97439 N am e : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Add r e s s _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Phon e numb e r : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Amoun t : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Ch e c k # _ _ _ _ _ _ _ _ _ _ _ CC # _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ E xp : _ _ _ _ _ _ _ _ Se cu r i t y Cod e : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ T o re ce ive you r Du t ch B ro s . Co f fee g i f t ca rd s , p lea se come to the S iu s law New s o ffi ce a t 148 Map le S t . in O ld T own F lo ren ce . Cu s tome r Se rv i ce /O ffi ce Hou r s : 8 :00 a .m . to 5 :00 p .m . Mon . -F r i . S iu s l aw N ew s Y e l low D i r e c to ry P .O . Box 10 , 148 Map l e S t r e e t , F lo r en c e , O r egon 97439 (541 ) 997 -3441 Fax : (541 ) 997 -7979 CYAN MAGENTA YELLOW BLACK (NAP SA ) -Wh e r e v e r y ou r ch i ld r en a r e in th e i r edu c a - t i on a l p a th s , i t ’ s n e v e r t o o e a r l y - o r t o o l a t e - t o s a v e f o r c o l l e g e . Th e F INRA In v e s t o r Edu c a t ion Found a t ion h a s pu t t o g e th e r th e s e f i v e t ip s th a t c an h e lp y ou s a v e f o r h i gh e r edu c a t i on . 1 . S t a r t now .E v en a s c o s t s c on t inu e t o r i s e , c o l l e g e r em a in s w i th in r e a ch fo r m an y f am i l i e s , e sp e c i a l l y th o s e th a t s t a r t s a v in g e a r l y . Th e C o l l e g e B o a rd r ep o r t s th a t h a l f o f a l l fu l l - t im e pub l i c and p r i v a t e n onp r o f i t f ou r - y e a r c o l l e g e s tud en t s a t t end in s t i tu t i on s ch a r g in g tu i t i on and f e e s o f $11 ,550 . Sm a l l am oun t s o f m on e y , i f in v e s t ed e a r l y , c an b e com e s i z ab l e in v e s tm en t s th rou gh com - pound in g . Fo r e x amp l e , i f y ou s a v e $200 a m on th a t a 6 p e r c en t annu a l r a t e o f r e tu rn f o r y ou r n ewb o rn ch i ld , y ou w i l l h a v e m o r e th an $76 ,000 f o r c o l l e g e wh en sh e tu rn s 18 . 2 . T a k e ad v an t a g e o f t a x ad v an t a g e s . Con s id e r t a x - ad v an t a g ed s a v in g s op t ion s su ch a s a 529 c o l l e g e s a v in g s p l an . Th e s e p l an s , a v a i l ab l e in e v e r y s t a t e and th e D i s t r i c t o f C o lumb i a , a l l ow th e m on e y y ou e a rn t o g r ow t a x d e f e r r ed . W i thd r aw a l s a r e t a x f r e e wh en u s ed f o r qu a l i f i ed edu - c a t i on e xp en s e s . Y ou m a y a l s o b e ab l e t o t a k e ad v an t a g e o f o th e r t a x b en e f i t s a s s o c i a t ed w i th a 529 p l an . 3 . B e m ind fu l o f in v e s t - CCB # 2 0 3 7 9 7 F i ve T ip s To Sa ve Fo r Co l lege