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Copyright © 2011 Peel, Inc. Twin Creeks Homeowner's Association Newsletter - January 2011 1 Official Publication of the Twin Creeks Homeowner's Association January 2011 Volume 4, Issue 1 Twin Creeks TRIBUNE Now that 2010 is history, we wanted to let you all know about some of the things we have been working on in your behalf. The social events, Easter Eggstravaganza, Independence Day Parade and Celebration, Great Pumpkin Party and Haunted House, and Winter Wonderland have gotten bigger and better, due to the tremendous turnout for these events, and the planning and hard work of the Social Committee Chair, Shelley Aucoin and her able bodied assistant, and husband, Bill Evans. Be sure to thank them both for their hard work, each and every time you see them. On-going maintenance and repairs to our property and common areas has been quite a challenge this year. Some of the lighting, originally installed by the developer, has begun to wear out and had to be repaired or updated. Additionally, the occasional vandalism of the lighting around the mailboxes at the park has been quite costly. Please help us keep these type expenses minimized by reporting suspicious activity to the Travis County Sheriff Department. Lighting in the trees and entry at Anderson Mill, lighting at the individual section entries, lighting at the first traffic circle, lighting at the Reserve traffic circle (closest to the Club) and light at the mail kiosks have all been repaired and are now in good working condition. Adam English, HOA Board Vice President, has been instrumental in heading up most all of these repairs and upgrades. All of the old developer/builder signs in bad repair have been removed and a few will be refurbished and placed in strategic locations, so Twin Creeks Club Drive will not be cluttered with a bunch of outdated, unsightly signs. Christie Wieland, HOA Board Secretary, and Adam English have been diligently working on this project, to make our entry roadway more appealing and less cluttered. At the suggestion of Brian Dougherty, HOA Board Member, the Board is receiving a proposal from ECO Systems for the design and construction of the trail system, through the Reserve, from its current terminus near the traffic circle, closest to the club, to the traffic circle at Abbotsbury. This will also include some sodding and irrigation at several of the cul-de-sacs that are adjacent to the trail system and the costs for this will be shared with Fairway View Homes. The Board also contracted with Hollywood Landscapes to apply a bleach treatment to the stone walls along Twin Creeks Club Drive and Anderson Mill to remove the mold and mildew that had accumulated over the years. This is expected to last from three to five years, depending on the amount of sunlight exposed to the wall areas. James Manning, ACC Committee Member, has been instrumental in approving numerous ACC requests ranging from backyard patio improvements, including arbors, fire pits, swimming pools, etc., as well as new home construction for Fairway View Homes. It has been a year filled with fun and interesting challenges and we all look forward to the New Year with all its rewards and challenges. We wish you all a Healthy and Prosperous 2011! Sincerely, Your HOA Board of Directors: Tom Moody, President, Adam English, Vice President, Christie Wieland, Secretary, Chuck Smith, Treasurer, & Brian Dougherty, Board Member LETTER FROM YOUR HOA BOARD

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Page 1: twin creeks tribune Twin Creeks tribune…twin creeks tribune Official Publication of the Twin Creeks Homeowner's Association january 2011 Volume 4, Issue 1 Twin Creeks tribune Now

Copyright © 2011 Peel, Inc. Twin Creeks Homeowner's Association Newsletter - January 2011 1

twin creeks tribune

Official Publication of the Twin Creeks Homeowner's Association

january 2011 Volume 4, Issue 1

Twin Creekstribune

Now that 2010 is history, we wanted to let you all know about some of the things we have been working on in your behalf.

The social events, Easter Eggstravaganza, Independence Day Parade and Celebration, Great Pumpkin Party and Haunted House, and Winter Wonderland have gotten bigger and better, due to the tremendous turnout for these events, and the planning and hard work of the Social Committee Chair, Shelley Aucoin and her able bodied assistant, and husband, Bill Evans. Be sure to thank them both for their hard work, each and every time you see them.

On-going maintenance and repairs to our property and common areas has been quite a challenge this year. Some of the lighting, originally installed by the developer, has begun to wear out and had to be repaired or updated. Additionally, the occasional vandalism of the lighting around the mailboxes at the park has been quite costly. Please help us keep these type expenses minimized by reporting suspicious activity to the Travis County Sheriff Department. Lighting in the trees and entry at Anderson Mill, lighting at the individual section entries, lighting at the first traffic circle, lighting at the Reserve traffic circle (closest to the Club) and light at the mail kiosks have all been repaired and are now in good working condition. Adam English, HOA Board Vice President, has been instrumental in heading up most all of these repairs and upgrades. All of the old developer/builder signs in bad repair have been removed and a few will be refurbished and placed in strategic locations, so Twin Creeks Club Drive will not be cluttered with a bunch of outdated, unsightly signs. Christie Wieland, HOA Board Secretary, and Adam English have been diligently working on this project, to make our entry roadway more appealing and less cluttered. At the suggestion of Brian Dougherty, HOA Board Member, the Board is receiving a proposal from ECO Systems for the design and construction of the trail system, through the Reserve, from its current terminus near the traffic circle, closest to the club, to the traffic circle at Abbotsbury. This will also include some sodding and irrigation at several of the cul-de-sacs that are adjacent to the trail system and the costs for this will be shared with Fairway View Homes. The Board also contracted with Hollywood Landscapes to apply a bleach treatment to the stone walls along Twin Creeks Club Drive and Anderson Mill to remove the mold and mildew that had accumulated over the years. This is expected to last from three to five years, depending on the amount of sunlight exposed to the wall areas. James Manning, ACC Committee Member, has been instrumental in approving numerous ACC requests ranging from backyard patio improvements, including arbors, fire pits, swimming pools, etc., as well as new home construction for Fairway View Homes.

It has been a year filled with fun and interesting challenges and we all look forward to the New Year with all its rewards and challenges. We wish you all a Healthy and Prosperous 2011!

Sincerely, Your HOA Board of Directors: Tom Moody, President, Adam English, Vice President, Christie Wieland, Secretary, Chuck Smith, Treasurer, & Brian Dougherty, Board Member

LETTER FROM YOUR HOA BOARD

Page 2: twin creeks tribune Twin Creeks tribune…twin creeks tribune Official Publication of the Twin Creeks Homeowner's Association january 2011 Volume 4, Issue 1 Twin Creeks tribune Now

2 Twin Creeks Homeowners Association Newsletter - January 2011 Copyright © 2011 Peel, Inc.

twin creeks tribune

BOARD OF DiREcTORs

ADvERTising inFOPlease support the businesses that advertise in the Twin

Creeks Tribune. Their advertising dollars make it possible for all Twin Creeks residents to receive the monthly newsletter at no charge. No homeowners association funds are used to produce or mail the newsletters. If you would like to support the newsletter by advertising, please contact our sales office at 512-263-9181 or [email protected]. The advertising deadline is the 8th of each month for the following month's newsletter.

President ........................................................... Tom MoodyVice-President .................................................Adam EnglishSecretary ..................................................... Christie WielandTreasurer ..........................................................Chuck SmithDirector ..................................................... Brian Dougherty

Kathy TaylorProperty Manager

Goodwin ManagementOffice: 512-852-7998Cell: 512-934-3736Fax: 512-346-4873

MAnAgEMEnT inFO

nEwsLETTER inFOEDiTOR Peel, Inc. [email protected]

PUBLisHER Peel, Inc. .....................www.PEELinc.com, 512-263-9181 Advertising............................... [email protected]

cLAssiFiED ADsPersonal classifieds (one time sell items, such as a used bike...)

run at no charge to Twin Creek residents, limit 30 words, please e-mail [email protected]

Business classifieds (offering a service or product line for profit) are $50, limit 40 words, please contact Peel, Inc. Sales Office @ 512-263-9181 or [email protected].

Twin cREEKs cOMMUniTY cOMMiTTEEs

To assist the Twin Creeks Home Owner’s Association provide the best service to the community, several committees exist to allow homeowners to participate in building the best neighborhood possible. Currently, some of these committees are not active due to a lack of volunteers and help.

Listed below are the five core committees and a brief description on what they do. If you would like to help keep Twin Creeks a premier neighborhood by participating in a committee, please contact Kathy Taylor at Goodwin Management or a board member to sign up.

Unless the community participates, it is very difficult to provide the services that are expected.

social & Recreation committeeThis committee helps plan neighborhood events like the

recent Garage Sale, Holiday Parties throughout the year and National Night out.

Maintenance committeeThe maintenance committee monitors the general condition

of the neighborhood and helps identify areas in need of repair or improvement. These can include irrigation repairs, street lights needing replacement or other general fix-it-up type items.

Yard of the Month committeeThis committee judges and selects a home in the neighborhood

that has a great yard in order to recognize them each month.

communication committeeThe communication committee helps organize articles for the

newsletter and other neighborhood communications such as a neighborhood web site, news group and email distribution list.

neighborhood watch committeeThis committee works with the local law enforcement office

to establish and maintain a neighborhood watch group to help keep the community safe and secure.

Please contact Kathy Taylor at (512) 852-7998 / [email protected], or any

of the board members, to volunteer for these important committees. Together, we can keep

Twin Creeks the best neighborhood for our families.

Page 3: twin creeks tribune Twin Creeks tribune…twin creeks tribune Official Publication of the Twin Creeks Homeowner's Association january 2011 Volume 4, Issue 1 Twin Creeks tribune Now

Copyright © 2011 Peel, Inc. Twin Creeks Homeowner's Association Newsletter - January 2011 �

twin creeks tribune

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Meet Jermaine, Tibreauna, Keatrick, Jaderrion, and Treyveonne

Page 4: twin creeks tribune Twin Creeks tribune…twin creeks tribune Official Publication of the Twin Creeks Homeowner's Association january 2011 Volume 4, Issue 1 Twin Creeks tribune Now

� Twin Creeks Homeowners Association Newsletter - January 2011 Copyright © 2011 Peel, Inc.

twin creeks tribune

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3 Steps to Kick-Start your Career - (Continued from Page 4)3 steps to Kick-start your career in 2011

By Amy Wolfgang, M.Ed.

It’s a new year and many of us spend this time evaluating different aspects of our lives: our health, our finances, and our career. Below are the 3 most important actions you can take to kick-start your career in 2011!

iDEnTiFY YOUR cAREER gOALsBefore you can begin to make changes in your career, you need to

identify what you are looking to change. Identify a few career goals that you want to achieve in 2011. Sample goals include:

• Develop new skills in a particular area• Make a lateral move at your company• Earn a promotion• Start a new job in a different industry

Once you know what you want to achieve you can begin the work to make those changes happen.

Action Item: Write down your career goals for 2011. This does not need to be a formal document, but write them down on paper or type them into a document.

gET YOUR REsUME in sHAPEWhen was the last time you updated your resume? For some it

was years ago when they last applied to a job. For others, it was only a few months ago. Regardless of when you viewed your resume last, now is the time to review it and make sure it includes all of your latest accomplishments.

Look at the bullet points on your resume and ask yourself the following questions: • Do they describe your responsibilities or do they focus on

results? A good resume focuses on what you accomplished rather than the tasks that filled your day.

• Is your resume attractive to read or is it too dense with information? Sometimes it can be hard to edit your own work.

We feel a personal connection to what we have accomplished and we should, however, we do not need to include every accomplishment for every position we have ever held.

Action Items: Review the bullet points on your resume and make sure your accomplishments jump out. Then make sure your resume is easy to read. Ask others to help you decide what you should and should not keep on your resume.

DEvELOP cOnnEcTiOnsFinding a new job typically takes more than just applying for a

position on a website. You need to tap into the hidden job market by making connections with other professionals. These connections can often help get your resume on top of the pile in front of the hiring manager. Additionally, knowing people at the company you are applying to can help you understand the culture better and the type of individuals that succeed at that company. Developing relationships now will help you in the future, even if you are happy at your current job.

Are you already using professional social networking sites? Great. Are you utilizing them effectively? Have you recently added connections to your sites? Have you joined all relevant groups on the sites?

Professional social networking sites are an important tool to use in a tech-savvy town like Austin, Texas. Once you are connected virtually, it’s time to start making an effort to connect with people in your network. Take them to coffee or schedule a phone conversation. You want individuals to keep you in the front of their mind for when an opportunity comes up. Remember, part of developing relationships is reciprocating. It’s a two way street. Think about how you can help the individual you are connecting with and offer that help.

Action Items: Join professional social networking sites and “invite” those you know to join your network. Then search for good contacts to have personal meetings and conversations with.

In a tight job market, you need every advantage you can get. These actions will give you a leg up and lead to a great career in 2011!

Good Luck!

Page 5: twin creeks tribune Twin Creeks tribune…twin creeks tribune Official Publication of the Twin Creeks Homeowner's Association january 2011 Volume 4, Issue 1 Twin Creeks tribune Now

Copyright © 2011 Peel, Inc. Twin Creeks Homeowner's Association Newsletter - January 2011 �

twin creeks tribune

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3 Steps to Kick-Start your Career - (Continued from Page 4)3 steps to Kick-start your career in 2011

By Amy Wolfgang, M.Ed.

It’s a new year and many of us spend this time evaluating different aspects of our lives: our health, our finances, and our career. Below are the 3 most important actions you can take to kick-start your career in 2011!

iDEnTiFY YOUR cAREER gOALsBefore you can begin to make changes in your career, you need to

identify what you are looking to change. Identify a few career goals that you want to achieve in 2011. Sample goals include:

• Develop new skills in a particular area• Make a lateral move at your company• Earn a promotion• Start a new job in a different industry

Once you know what you want to achieve you can begin the work to make those changes happen.

Action Item: Write down your career goals for 2011. This does not need to be a formal document, but write them down on paper or type them into a document.

gET YOUR REsUME in sHAPEWhen was the last time you updated your resume? For some it

was years ago when they last applied to a job. For others, it was only a few months ago. Regardless of when you viewed your resume last, now is the time to review it and make sure it includes all of your latest accomplishments.

Look at the bullet points on your resume and ask yourself the following questions: • Do they describe your responsibilities or do they focus on

results? A good resume focuses on what you accomplished rather than the tasks that filled your day.

• Is your resume attractive to read or is it too dense with information? Sometimes it can be hard to edit your own work.

We feel a personal connection to what we have accomplished and we should, however, we do not need to include every accomplishment for every position we have ever held.

Action Items: Review the bullet points on your resume and make sure your accomplishments jump out. Then make sure your resume is easy to read. Ask others to help you decide what you should and should not keep on your resume.

DEvELOP cOnnEcTiOnsFinding a new job typically takes more than just applying for a

position on a website. You need to tap into the hidden job market by making connections with other professionals. These connections can often help get your resume on top of the pile in front of the hiring manager. Additionally, knowing people at the company you are applying to can help you understand the culture better and the type of individuals that succeed at that company. Developing relationships now will help you in the future, even if you are happy at your current job.

Are you already using professional social networking sites? Great. Are you utilizing them effectively? Have you recently added connections to your sites? Have you joined all relevant groups on the sites?

Professional social networking sites are an important tool to use in a tech-savvy town like Austin, Texas. Once you are connected virtually, it’s time to start making an effort to connect with people in your network. Take them to coffee or schedule a phone conversation. You want individuals to keep you in the front of their mind for when an opportunity comes up. Remember, part of developing relationships is reciprocating. It’s a two way street. Think about how you can help the individual you are connecting with and offer that help.

Action Items: Join professional social networking sites and “invite” those you know to join your network. Then search for good contacts to have personal meetings and conversations with.

In a tight job market, you need every advantage you can get. These actions will give you a leg up and lead to a great career in 2011!

Good Luck!

Don’t want to wait for the mail?

Receive the Twin Creeks Tribune in your Inbox.

Sign up online at www.PEELinc.com

Page 6: twin creeks tribune Twin Creeks tribune…twin creeks tribune Official Publication of the Twin Creeks Homeowner's Association january 2011 Volume 4, Issue 1 Twin Creeks tribune Now

� Twin Creeks Homeowners Association Newsletter - January 2011 Copyright © 2011 Peel, Inc.

twin creeks tribune

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9th AnnuAL CedAr PArk SwimminG kidS triAthLonMAY 1sT, 2011 AT ELizABETH MiLBURn POOL

• EVENT INFORMATION: This triathlon is a USAT sanctioned event. The purpose of the Cedar Park Swimming Kid’s Triathlon is to offer kids between the ages of 7 and 15 the opportunity to experience a multi-sport event in a safe and positive environment. The age you turn during the calendar year of 2011 is the age group in which you will compete in. While competition is always part of any race, it is not the primary focus of this race. The main focus of this event is for the kids, their families and the community to have FUN!

• The event will take place at the Elizabeth Milburn Park in the City of Cedar Park, located at, 1901 Sun Chase Blvd., 78613, on Sunday, May 1st, starting at 8:00 AM.

– Limited to 300-Participants

DISTANCE Juniors (7-10): 100m - Swim / 3 mile - Bike / 1k (.6 miles) - RunSeniors (11-15): 200m - Swim / 6 mile - Bike / 2k (1.2 miles) - Run

AGE GROUPSIndividuals: 7-8, 9-10, 11-12, 13-15Relays: Juniors (7-10), Seniors (11-15) Relays can be all male, all female, or co-ed.

AWARDSEvery athlete will receive a finisher medal. Early registration

participants will receive a FREE T-shirt. Trophies will be given for 1st through 3rd places per age group for boys and girls. Medals will be given for 1st through 3rd places for junior and senior relays.

•••

• Over 301 participants registered in 2010. • Over 20-local Cedar Park business’ donated money, gift coupons,

or door prizes for all the participates• Over 100 of our Cedar Park Swimming families donated all the

food & drink, and Silent-Auction items, as well as volunteered on race day. Web Site for Triathlon: www.leaguelineup.com/cptriRace Director: Rob Alspaugh ([email protected]) 512-733-2490

••

(Continued on Page 7)

Page 7: twin creeks tribune Twin Creeks tribune…twin creeks tribune Official Publication of the Twin Creeks Homeowner's Association january 2011 Volume 4, Issue 1 Twin Creeks tribune Now

Copyright © 2011 Peel, Inc. Twin Creeks Homeowner's Association Newsletter - January 2011 �

twin creeks tribuneCedar Park Swimming - (Cont. from Pg. 6)

• We are a year-round competitive swim club since 1995 sanctioned by USA Swimming and South Texas Swimming. A family-oriented club of 140+ swimmers, ages 6 – 20.

• Learn stroke mechanics, sportsmanship, goal setting, and rules of competitive swimming while making new friends and building team unity.

• Participate in some of the alternative athletic adventures of the club:

• Cedar Park Kid’s Triathlon, Tubing on Guadalupe River, Schlitterbahn Trip,

• Rock Climbing, Caving Expeditions• Practice Location: Elizabeth Milburn Pool,

Mon-Fri• Contact: John Baltzell, Head Coach• [email protected] 512.218.9664

www.cedarparkswimming.org

Tackle Hunger in Texas with the Souper Bowl of Caring!

What would happen if every American that celebrates the Big Football Game donated one can of food or $1 to fight hunger and poverty in their local community?

The result would be an astounding $90 million in cash and cans to help feed the hungry, provide shelter to the homeless and help our neighbors in need.

With all eyes on North Texas this year as they host the Big Game, you can join the Souper Bowl of Caring and help make this vision a reality! For more than 20 years, groups all over the country have joined forces to demonstrate the power of caring. To date, more than $71 million in cash and cans has been collected and 100% was donated in communities throughout the U.S. Every penny stays local and every collection matters!

Last year, 1,900 schools, churches, businesses and grocery stores in Texas collected more than $4.5 million for local charities that fight hunger and poverty. The need is growing and we need your help!

Join the Team. get started today!1. REGISTER your school, church or business

at tacklehunger.org and designate an organizer for your Souper Bowl of Caring event. You’ll receive a free Resource Kit!

2. COLLECT money and/or canned foods anytime January 17-February 6, 2011. Super Bowl Sunday is February 6, 2011.

3. REPORT the amount of your collection to the Souper Bowl of Caring so it can be added to the national tally.

4. DONATE 100% of your collection to the charity of your choice in your own community.

Learn more at tacklehunger.org.

Page 8: twin creeks tribune Twin Creeks tribune…twin creeks tribune Official Publication of the Twin Creeks Homeowner's Association january 2011 Volume 4, Issue 1 Twin Creeks tribune Now

� Twin Creeks Homeowners Association Newsletter - January 2011 Copyright © 2011 Peel, Inc.

twin creeks tribune

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Turning new Years Resolutions into ALL Year resolutions

by Sarah S. Jordan, MS

January is here, and so is the tradition of making New Year’s Resolutions. And many times, the tradition of breaking those resolutions. We find ourselves excited and motivated for the start of a new year, and within a few months we often experience frustration because we simply cannot stick with the resolutions we set.

I have been teaching fitness classes, personal training, and coordinating fitness programs for over a decade, and I see it every year. Gyms are packed from January through March, and then many members just seem to disappear or give up.

Here is my question. What can we do to stick with exercise and making healthy choices for twelve months out of the year instead of just three? It is not easy, but laying

a proper and realistic foundation is the key. And remembering that if we do fall off the wagon, we need to hop right back on and not give up. As I have outlined in some of my previous articles, commitment, time management, setting measurable goals, and being realistic are all vital components to our success.

If a sedentary and overweight client begins training with me and says, “My goal is to lose 50 pounds in five weeks,” that client is sure to fail before she even begins. That rate of weight loss is simply not healthy, realistic, or lasting. However, if the same client says, “My goal is to workout three days a week for 20-50 minutes each time and as a result, lose 50 pounds this year,” she is off to a

Page 9: twin creeks tribune Twin Creeks tribune…twin creeks tribune Official Publication of the Twin Creeks Homeowner's Association january 2011 Volume 4, Issue 1 Twin Creeks tribune Now

Copyright © 2011 Peel, Inc. Twin Creeks Homeowner's Association Newsletter - January 2011 �

twin creeks tribune

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great start! That goal is specific, measurable, attainable, realistic, and time-bound.

People often ask me what my New Year’s resolutions are, and to be honest, I don’t really set them anymore. You see… I, too, have set resolutions many times in the past, and within weeks or months felt defeated and gave up because they were not realistic. Instead, I find myself setting little goals throughout the year, but they very rarely include numbers on a scale.

Setting “number goals” (ex: “I want to lose 20 pounds by May”) certainly has its merit, but I encourage my clients to move toward setting the “How can I become a better and happier person/wife/mother?” type of goals. And why limit ourselves to January? If you find something you want to do or become in March, set that goal right then and there, and create a specific plan of action that will get you there. Keeping a positive and realistic spin on our goal setting throughout the year will allow us to experience more success. And that is what matters in the end, right? Feeling successful and improved because of the things we learn along life’s journey.

Here Are A Few Tips To setting All Year Resolutions.• Set S.M.A.R.T. goals. They should be specific, measurable,

attainable, realistic, and timely. • Find what works for YOU. If joining a gym is not realistic for you,

find other activities, classes, and opportunities that don’t involve a gym membership.

• Get support. That could be a close friend, spouse, personal trainer, meet up group, or coworker. Communicate your goals and have people in your corner cheering you on.

• Set goals that will better yourself and those around you. Ex: This month, I will go on more walks with my child. This month, I will clean up my eating. This month, I will start a gratitude journal. You will find that little changes equal huge improvements over time.

• If you set “number (weight) goals,” remember that your beauty and worth do not lie in the numbers on the scale. Healthy weight loss is slow and steady at a rate of about one pound per week. To lose just one pound per week, you must burn 3,500 calories more than you consume, which is no easy task.

• Keep in mind that fitness and health are a lifestyle - not a one-month trial. Any movement is good movement, and many times, the hardest part of exercise is just getting it started.

• Nutrition is key. What goes into your mouth is just as important as the exercise you get.

We are all beautiful and have so much to offer this world. Here is to an amazing 2011!

Turning New Years Resolutions - (Continued from Page 8)

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10 Twin Creeks Homeowners Association Newsletter - January 2011 Copyright © 2011 Peel, Inc.

twin creeks tribune

Smart Financial Moves for New ParentsIf you’ve just had a new baby, your

life is filled with more joy (but less sleep). You’re probably already aware of the time and effort you must invest in raising your child, but you may not have thought as much about another aspect — the financial one.

Consider this: The average cost of raising a child to age 17 is now $222,360, according to a U.S. Department of Agriculture report on how much middle-income, two-parent families spend on their offspring. And this is the amount you might spend before your son or daughter heads to college. Clearly, you need to start making the financial moves necessary to take your child from diapers to a degree. Here are some suggestions for doing just that:

• Purchase sufficient life insurance. When it was just you and your spouse, it was a good idea for you to have life insurance — but now that you have a child, it’s an absolute necessity. If you have any doubts about the value of life insurance, just look again at that $222,360 figure above, and then tack on the costs of four years of college. If you or your spouse were to die unexpectedly, would the survivor earn enough to raise and educate your child? In this day and age, that isn’t likely. So make sure that you have adequate life insurance in place.

• Prepare a will. Obviously, you hope to enjoy a long life — one in which you see your child grow to adulthood. But none of us can predict the future, so it’s essential that you draw up a will to provide for the care of your child, both financially and physically. When you create a will, you can name a guardian to step in and take care of your child, if necessary, and you can make sure your child receives your financial assets. However, many people go

beyond writing a will and establish a living trust, which gives them more control over how and when they want their assets distributed. Your legal advisor can help you prepare a will and determine if a living trust is appropriate for your needs.

• Maintain adequate cash. To help pay for all those expenses related to child rearing, keep enough cash on hand. By having enough resources available in liquid accounts, you can avoid having to dip into your long-term investments

to pay for short-term needs.

• Save early and often for college. It’s never too soon to start saving for the high costs of higher education. A 529 plan is a tax-advantaged vehicle and may be a great option for your college savings. Contributions to a 529 plan are made with after-tax dollars, and have the opportunity to grow tax-free. Withdrawals used for qualified higher education expenses are also tax free. Furthermore, your 529 plan contributions may be eligible for a state tax deduction or credit depending on the plan and state.

• Stay balanced. As we’ve seen, it takes a lot of money to raise a child. But even as you’re meeting these expenses, think about your own future, particularly your retirement. Strive to strike a balance between the money you spend on your child and the amount you invest in your 401(k), IRA and other retirement-savings vehicles.

You can’t put a price-tag on your child’s future, but when it comes to taking care of that child, you’ll want to know the costs involved — and be prepared for them.

Make an impact.

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twin creeks tribune

LIVEin concertsaturday February 26 2011 | 7:00 pmtickets on sale now at www.ghbc.org

THE RADIANT CHURCH | WATCH LIVE services Sunday mornings or view any time at www.ghbc.orgSunday Morning Schedule

9:30 - Blended Worship | 11:00 - Contemporary Worship | 9:30 & 11:00 - Bible Life Groups (all ages)

Great Hills Baptist Church | 10500 Jollyville Road . Austin, Texas 78759 | 512.343.7763

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DISCLAIMER: Articles and ads in this newsletter express the opinions of their authors and do not necessarily reflect the opinions of Peel, Inc. or its employees. Peel, Inc. is not responsible for the accuracy of any facts stated in articles submitted by others. The publisher also assumes no responsibility for the advertising content with this publication. All warranties and representations made in the advertising content are solely that of the advertiser and any such claims regarding its content should be taken up with the advertiser.* The publisher assumes no liability with regard to its advertisers for misprints or failure to place advertising in this publication except for the actual cost of such advertising.* Although every effort is taken to avoid mistakes and/or misprints, the publisher assumes no responsibility for any errors of information or typographical mistakes, except as limited to the cost of advertising as stated above or in the case of misinformation, a printed retraction/correction.* Under no circumstances shall the publisher be held liable for incidental or consequential damages, inconvenience, loss of business or services, or any other liabilities from failure to publish, or from failure to publish in a timely manner, except as limited to liabilities stated above.

Recipe of the MonthPicante sauce

ingREDiEnTs • 1 lb. peppers (bell, banana, & jalapeno; according to how hot you want the sauce; the seeds of the jalapeno peppers add a lot of WARMTH!) • 3 onions • 3/4 C sugar • 3 qts. tomatoes • 4-5 cloves garlic • 1 C vinegar • 2 T salt

DiREcTiOns Scald tomatoes and peel. Quarter and place in large pot. Chop peppers, onions, and garlic; and mix with tomatoes. Add sugar, vinegar and salt. Simmer slowly several hours until the sauce is the desired consistency. Pour into sterilized jars. Close and invert to seal. (I pressure mine for 5 minutes at 5 # pressure.)

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