WEDNESDAY, OCTOBER 18, 2017 ❚ SIUSLAW NEWS
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(NAPSA)—Just as in-
novation is changing how
people order food, shop
and make travel arrange-
ments, fi nancial services
companies have found a
way technology can make
investing more conve-
nient and affordable.
This latest trend is
often referred to as auto-
mated investing. Before
jumping in with your own
fi nances, however, it’s im-
portant that you learn the
details to determine if an
automated
investment
advisor is for you.
• What’s automated
investing? An automat-
ed investment advisor
(sometimes referred to as
“robo investing”) uses so-
phisticated computer al-
gorithms to offer low-cost
managed
investments.
Users answer a series of
intuitive questions about
their fi nancial goals, risk
tolerance, and invest-
ment time horizon, and
the automated advisor
recommends a personal-
ized investment portfolio
suited to those needs.
These portfolios are com-
prised of a diverse set of
Exchange Traded Funds
(ETFs) designed with
low-cost diversifi cation
in mind. The fi nancial ser-
vices company executes
the investment and auto-
matically manages it for
a fraction of the cost of a
traditional advisor.
• How does it make
investing easier and
more accessible? Not
everyone has the time or
know-how to manage an
investment portfolio, or
the inclination or ability
to pay potentially hefty
fees for a portfolio man-
ager to do it on their be-
half. Access to an account
professionally managed
by human advisors, how-
ever, was historically a
problem for those who
did not meet their high
minimums,
oftentimes
$500,000 or more.
Enter the automated
advisor, which automati-
cally monitors your in-
vestment portfolio and, as
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Ford 302 engine
needs repair.
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runs great, very reliable, regular
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Things may come to
those who wait...but only
the things left by those
who hustle.
—Abraham Lincoln
***
People in the long run
are going to do more
to promote peace than
governments.
—Dwight D. Eisenhower
***
Failure is an event, never
a person.
—William D. Brown
***
Yesterday is not ours to
recover, but tomorrow is
ours to win or lose.
—Lyndon B. Johnson
***
It’s not that I’m so smart,
it’s just that I stay with
problems longer.
—Albert Einstein
***
As soon as you trust
yourself, you will know
how to live.
—Goethe
***
It is never too late to be
what you might have
been.
—George Eliot
***
Great works are per-
formed not by strength
but by perseverance.
—Samuel Johnson
—Edmund Burke
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ERVICES
D-057
D-077
CLEANING SERVICES
Don’t have the time or expertise to manage market
fl uctuations? Consider new technologies that can
help you grow your savings effi ciently.
the stock market fl uctu-
ates, rebalances holdings
based on your risk toler-
ance, projected invest-
ment timeline and wealth
outlook, to help keep you
on track with your goals.
“Some people are very
good at managing their
own investments,” said
Rich Hagen, president
of Ally Invest, the online
brokerage and wealth
management arm of Ally
Financial. “Others just
don’t have the time or ex-
pertise. Younger investors,
in particular, often don’t
have the assets needed to
get the attention of a top
portfolio manager. An au-
tomated advisor can solve
the disconnect by making
professionally managed
portfolios accessible to
more people.”
Automated advisors
sift through thousands of
ETFs to invest your money
into a range of diversifi ed
low-cost index ETFs. Like
mutual funds, ETFs pool
the money of numerous
investors to purchase a
group of stocks. Like in-
dex mutual funds, most
are passively managed,
which means they work
to mimic the performance
of a specifi c index such as
the S&P 500 or the Dow
Jones Industrial Average.
• What do they cost?
With an automated ad-
visor, you don’t have to
pay exorbitant fees, earn
a six-fi gure income or
have thousands of dol-
lars in savings to reap the
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999 ✦ PUBLIC
NOTICES
NOTICE OF BOARD MEETING
NOTICE IS HEREBY GIVEN that the next Board meeting
of Western Lane Ambulance District will be held on Thurs-
day, October 26th, 2017 at 6:00 p.m. at Western Lane Ambu-
lance District located at 410 9th St., Florence, OR 97439. The
agenda will include: Policies and Procedures and General
Business of the Ambulance District.
Publication Date: October 18, 2017
PUBLIC NOTICE
Siuslaw Valley Fire Rescue and Western Lane Ambulance
District will be holding a public meeting on October 27, 2017
at 10:00 a.m. at 2625 Highway 101 N. in Florence, OR. This will
be a workshop to discuss updating their Strategic Plans and
IGA Implementation Plan.
Publiction Dates: October 18, & 21, 2017
IN THE CIRCUIT COURT OF THE STATE OF OREGON
FOR THE COUNTY OF LANE
PROBATE DEPARTMENT
In the Matter of the Estate of
HELEN E. WEBER, Deceased.
No. 17PB07486
NOTICE TO INTERESTED PERSONS
NOTICE IS HEREBY GIVEN that the undersigned, Marga-
ret A. McDiarmid, has been appointed Personal Representa-
tive of the above-entitled estate. All persons having claims
against the estate are required to present them, with proper
vouchers attached, within four (4) months after the date of
fi rst publication of this Notice, as stated below, to the Per-
sonal Representative at the offi ces of THOMAS C. NICHOL-
SON, Attorney at Law, PO Box 308, Florence, Oregon 97439,
or the claims may be barred.
ALL PERSONS WHOSE RIGHTS MAY BE AFFECTED BY
THESE PROCEEDINGS MAY OBTAIN ADDITIONAL INFORMA-
TION FROM THE RECORDS OF THE COURT, FROM THE PER-
SONAL REPRESENTATIVE, OR FROM THE ATTORNEY FOR THE
PERSONAL REPRESENTATIVE.
ATTORNEY:
Thomas C. Nicholson, OSB #813265
552 Laurel Street
PO Box 308
Florence, OR 97439
Telephone: 541-997-7151
Fax: 541-997-7152
tnicholson@nicholsonlaw.biz
Carpet & Upholstery Cleaning
All major credit cards accepted
999 ✦ PUBLIC
NOTICES
Dated: October 6, 2017.
Margaret A. McDiarmid, Personal Representative
SteamWay
Carpet Cleaning
541-999-5169
benefi ts of a profession-
ally managed investment
portfolio. Industry average
fees for a human fi nancial
advisor hover around 1.02
percent, meaning costs
start to add up as your in-
vestment portfolio grows.
Generally,
automated
advisors provide custom-
ized portfolios more af-
fordably. For example,
at Ally Invest Managed
Portfolios, the annual
advisory fee is 0.30
percent of account as-
sets. That means for an
account with a $10,000
balance, the monthly
fee is $2.50. Plus, there
are no trading fees and
you can start investing
with just $2,500.
• Can I talk to a per-
son? A purely automat-
ed service isn’t always
enough, even when
24/7 phone support is
available. Some fi rms,
such as Ally Invest, pro-
vide customer service
from knowledgeable
professionals.
• How can I learn
more about automated
investing? Visit www.
Ally.com and click on
“managed portfolios.”
tfc
997-2385.
Florence Janitorial Services
For clean as a whistle, call
Publication Dates: October 11, 18, & 25, 2017
SIUSLAW VALLEY ELECTRIC, INC.
Major credit cards accepted
Y
ELLOW
D
IRECTORY
997-3825
Certified-Bonded
D-070
CARPET
CLEANING
CCB #96660
Upholstery
STEAM OR DRY
Smoke • Water Cleanup
1710 Laurel Way - Airport Industrial Park
Store Hours: Mon. thru Fri., 8 A.M. to Noon
Forrest G. Grigsby • Stanton E. Grigsby
Phone 997-8821
FAX 997-3723
P.O. Box 1216 • sve-1973-grigsby@hotmail.com
D-085
CONSTRUCTION/CONTRACTORS
Wednesday’s
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EXCAVATING
LEISURE EXCAVATING INC.
CCB
#192681
DEQ
#37943
LANDSCAPE MATERIALS • CAT WORK • CLEARING
GRADING • SAND & GRAVEL - U-HAUL or DELIVERY
BARK • CEMENT MIX • DRAIN FIELD ROCK • SEPTIC SYSTEMS
TOPSOIL WHEN AVAILABLE
Call for Free Estimate –
DEQ#37263
997-6300
Ray Wells, Inc
CB# 91052
E XCAVATING • S EPTIC S YSTEMS • S UBDIVISIONS
L AND C LEARING • P AVING • T RUCKING
B RUSH & D EBRIS R ECYCLING • D EMOLITION
P H . 541-997-2054 • F AX 541-997-3499 • 1-877-201-0652
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P.O. B OX 3467 • 1770 L AUREL P L . • F LORENCE , OR 97439
CONSTRUCTION , Inc.
CCB#164861
D-182
We specialize in Structural Problems and Dry Rot
541-997-4027
CCB#79884
30 Years Experience • Reasonable Rates• Senior Discount • Lic. #209676
D-222
REAL ESTATE
Lynnette Wikstrom – Broker
(541) 999-0786
Siuslaw News
Yellow Directory
P.O. Box 10, 148 Maple Street,
Florence, Oregon 97439
• (541) 997-3441
• Fax: (541) 997-7979
Here is how it works…
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left. You find it somewhere in the classifieds.
Come into our office, Enter your name, phone
number and describe where you found the graphic
or bring in a clipping to attach to your entry into
the drawing for a gift certificate.
Gift Certificates must be picked up within 2 weeks of winning
Deadline for today’s paper:
Thursday by 3:00 PM
BOBBYE JUSTET found the National Food
Bank Week Graphic on page 8B (TR Hunter
Real Estate – 87190 Munsel Lake Rd. -
Right of porch)
She won a gift certificate to
The Chicken Coop.
PEST CONTROL
Environmentally Responsible
Free Inspections
G ENERAL C ONTRACTOR
Living in the Florence area since 1979.
COAST REAL ESTATE
100 Highway 101
Florence, OR 97439
D-266
WINDOWS
Yes! WE DO WINDOWS!
Window Cleaning
Commercial • Residential
Connie, Bill & Mike Spinner–997-8721
Good Luck
National Chemistry
Week
Oct. 15 – 21, 2017
For What’s Bugging You
Robert’s Handyman Service
Call Robert or Marcus
541-997-5970 • 541-991-7870 (cell)
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Search
RESIDENTIAL • COMMERCIAL CONTRACTING
Ore. BBR No. 8689
S
Bill and Jo Hine, Owners
CERTIFIED, LICENSED, BONDED & INSURED
Saturday’s
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