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October 28, 2010     The Carlisle Citizen
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October 28, 2010

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Page Sixteen The Carlisle Citizen Thursday, October 28, 2010 "Elect" Investments to Help Pursue Your Goals Submitted by Joe Schettler, Rep for Edward Jones in Carlisle It's election time again, so you take time to learn about the various candidates and their positions on the is- sues. But you also need to make informed decisions in other areas of your life -- such as when you "elect" the investments to help pursue your goals. Actually, you can find some similarities in select- ing candidates and choosing investments. Here are a few "votes" that can apply to ei- ther situation: Vote for vision. When you vote for political candidates, you expect that they have a solid vision for what they want to accomplish. And when you put together an investment strategy, you also need a vision of the goals you're hoping to reach -- and this overall vision should help guide your moves over the years. Vote for potential. When you vote for candidates, you are showing your confi- dence in their potential to be effective legislators. And when you choose specific in- vestments, you are counting on their potential to help you attain your objectives. For example, when you pur- chase growth-oriented in- vestments, you are antici- pating that their value will grow so that you can even- tually sell them and make a profit. Of course, the price of these investments will fluctuate, and if you sell when the price is down, you could lose some or all of your principal. But if you pur- chase quality investment vehicles, and you hold them for the long term, you may be able to "smooth out" some of the market's vola- tility and take advantage of your investments' potential. Vote for suitability. In choosing a candidate, you're looking for someone who will represent your views, as well as the best interests of your community or state. And you also want to choose investments that are suit- able for your individual preferences and goals. So, if you're naturally a conserva- tive investor, you won't want a heavy exposure to riskier investments. Or, if you need a specific amount of money in a set number of years, you may want to choose an investment that offers greater protection of principal and possibly a fixed rate of return. Vote for clarity. Before Happy Halloween you vote for a candidate, you'll want to be sure you really understand his or her messages and promises. And you'll need a similar clarity in choosing invest- ments. Never invest in something unless you un- derstand its risks and po- tential rewards. Vote for experience. In any election, you want to vote for someone who has the ability to carry out the office that he or she is seek- ing. And before you choose an investment, you should have the experience neces- sary to evaluate the pros and cons involved. You can gain some of this knowledge by studying up on the in- vestments that you're con- sidering, but, given the complexities of the financial world, you also may want to work with an investment professional. As a responsible citizen, you know how important it is to make your voice heard on Election Day. As a dili- gent investor, you under- stand how important it is to "elect" the right invest- ments for your portfolio. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. cmnt governmen:,. 0 ,'I ve cus0000r SerVice : Steve Wilson Paid for by Steve Wilson for Supervisor Slices of Life by Jill Pert/or Copyright 2010 Into the frying pan We need a new electric frying pan. My husband has noted this fact on more than one occasion. He is right. Our frying pan- decades old- has seen better days. Its paint is chipped and the Teflon burned in places. A new one would be neither excessive nor unwarranted. My husband sees the logic of a new pan. He proposes we get one as soon as pos- sible. He understands this is right. And he is right. Problem is, I'm sort of at- tached to the old one. I re- alize most people don't get attached to household ap- pliances, but on the major- ity of subjects, I do not fit into the definition of "most people." My experience with frying pan attachment syndrome started early- during child- hood. My mom had an old fry- ing pan dating pre-Teflon. I don't remember where it originated originally, but the appliance was old. The pan itself was silver in color - probably stainless steel. The working elements had no defects. The heating coil remained in tip-top condi- tion. The pan itself wasn't cracked, warped, broken or even burned. The frying pan had only one obvious handicap: it was missing a leg. By today's standards, an electric frying pan with three legs is a worn out ap- pliance. My parents didn't operate by today's stan- dards. They were both chil- dren of families that expe- rienced the Great Depres- sion firsthand, so they knew a thing or two about using things until there wasn't any use left. My ever-resourceful morn used an inverted coffee cup to prop up the three-legged pan. It stood at about the right height. The frying pan wobbled, but not enough to render it unstable. Besides, my morn didn't use the electric gizmo often. She removed it from the cupboard for just one job: frying the walleye caught by my fish-loving dad - who was (and is) known affec- tionately as Walleye Joe. As a young man, my dad experienced his fair share of adversity. He grew up in a farming family - number 11 of 13 siblings - in a home with one indoor bathroom. He joined the Marines at age 18 and shortly thereaf- ter found himself on a plane to Korea. He fought on the front lines, was injured in the line of duty and found himself on a plane back home. He ended up losing a leg and gaining a Purple Heart medal. A wobbly frying pan didn't faze a guy like my dad. He caught the fish, brought them home and said, "Fry 'em up!" My dad did all the fishing and my room did all the fry- ing. They were a good pair. My dad also did the eating. My mom, who didn't like fish, never tasted the tender morsels she cooked in our three-legged pan. I did. Taste the fish, that is. I was blessed with the fish-loving gene. My sister was not. The frying pan - and the fish therein - be- came something my dad and I shared. Thinking back, I can't even remember what my morn and sister ate on the nights we had fried fish. Didn't matter. I was eating walleye. It was an unassuming evening sometime in the early 1980s when my mom made the astounding obser- vation. We'd just feasted on fish for supper and the fry- ing pan sat on the counter, oily and well-used. "I think we need a new frying pan," she said. I nearly spit out my fish. "No!" I answered a little too quickly. I heard an echo in the room. My voice wasn't the only one rejecting my mom's idea. My sister re- peated the same sentiment. It seems we both experi- enced frying pan attach- ment syndrome. My mom let us off easy. Maybe she never seriously considered replacing the frying pan. Maybe she heard the panic in our voices and understood the appliance had come to rep- resent something more than just a cooking vessel to my sister and me. Either way, the pan was washed, put back into the cupboard and did its job with the fish for years after that. My mom passed away ear- lier this year. And, while the three-legged frying pan from my childhood repre- sented my dad, somehow the pragmatic use of old fry- ing pans in general is now associated with her. I'm not ready to replace my old fry- ing pan just yet. You know what I mean? Jill Pertler is a syndicated columnist and author of "The Do-It-Yourselfer's Guide to Self-Syndication." Email her at; Follow Slices on Facebook, or check out her website at httpx// marketing-by- design.home.mchsi.comL Jluto-Owners Insurance Life Home Car Business 7k00"No P, 00or.b, Goodhue-Nolte Insurance Agency 100 Highway 5 Carlisle 989-3200