" " " " " " " I 50% OFF a (retail list price) 1 1 I ---- / ri [ Offer valid until Oct. 31 2010 1 members (membership cost is $5), which includes personal financial coaching, an opportunity to be a part of "The VyStar Money Make- over" as seen on Action News 47 Fox 30 and much, much more. , , & 4 4 - g g ( pp J gp LI LAELllLAL * * Latin Cuisine * PupuSaS (VarIOUS fillings) Tacos Tortas Sopes Enchiladas FlaUtaS Tamales Burritos & More! Saturday & Sunday: Menudo Pozole Consomd de Barbacoa g We regularly maintain our cars and trucks, go for dental check ups, annual physical, winterize and summarize our central heating and air units, but the financial engine that's responsible for keep ing everything running often goes neglected. You can change that! One of our local leading financial institutions is offering tune-ups, free! VyStar Credit Union, through its online presence, www.vystarcu. org, has lots of tool in its toolbox to do the trick. We had the great good fortune to meet with Laura Lancaster, vice president of the Mandarin branch of VyStar Credit Union, right here on San Jose Boulevard. For full disclosure, we've known Lancaster for some time and can attest to the fact that she's one of the nicest and best financially informed people you'll ever meet. We spoke with her because the downturn in the economy has affected virtually everyone and VyStar has developed a series of programs, some online, to address the problems you may .t"'hAhhhoeu a won' wrinkles or double chins, they will give you a full Money Makeover. Their goal is to help you increase your savings and decrease your debt and who can't use a little of that? To access the free opportune ties, go to the above referenced website and click on Money Makeover; go to Balance Track and you will have reached the Personal Finance Education Center, which includes 16 free "Modules" for everything from identity theft to repaying your student loans. This site even gives you the informa- tion via podcasts which you can download. You do not need to beamembernordoyouhave 3 aloweep 11701-28 San Jose Blvd. www. Mandarinl~ewsLine.com October 2010 *~ e 7/~r/:/;// News Line, Page 7 Ortho- paedic As- sociates of St. Augustine has announced the addition of Dr. Sina Kasraeian to its team of ,... surgeons. Dr. - Kasraeian returns to his home in Northeast Florida after recently completing his Orthopae- dic residency at the University of Southern California (USC) in Los Angeles, followed by his fellowship in arthroscopy and sports medicine at Southern California Orthopedic Institute. Dr. Kasraeian, who graduated from the University of Florida, completed his medical training at the University of Southern Cali- fornia Keck School of Medicine, where he was a member as well as president of his chapter of Alpha Omega Alpha, a national honor society recognizing the top medical students in each class. During residency at USC he served at the Los Angeles CountY Medical Center, one of the top trauma centers in the country. Dr. Kasraeian also has a special interest and extensive training in arthros- copy and sports medicine recon structive procedures. Among other associations, he is a member of the Arthroscopy Association of North America, the American Orthopae- dic Society for Sports Medicine and an associate member of the American College of Surgeons. In addition, Dr. Kasraeian's work in orthopaedic research has been presented at multiple na- tional and international meetings as well as been recognized with several awards including the recent Western Orthopaedic Association's Vernon Thompson Award this August. Orthopaedic Associates of St. Augustine has two locations: their main facility, including an After Hours Injury Clinic and Outpatient Surgery Center, at One Orthopaedic Place in St. Augustine and the County Road 210 Sports Medicine and Physical Therapy Center at 3055 County Road 210 West, Suite 110 in St. Johns. YOUr financial tune-up: How to get more to leave home; these are available 24/7 and are easily understandable. Our recommendation is that you start with the Money Management Module; it begins with goals which are undoubtedly the single most important ingredient for financial freedom. Lancaster has her set of Golden Rules of Personal Finance, which include, but are not limited to: 1. Set goals 2. Get organized 3. Cut wasteful spending 4. Build a budget 5. Save money ...and there are modules for all of the above. Lancaster stresses that you need to have the discipline to succeed. Much like a diet and in the same way, it's not what you want but rather it's what you need. There are no quick fixes; this is the long-term solution for what ails your financial woes. VyStar also believes that you can't begin too early to build your credit, learn about money and begin to save, so they've developed opportunities for all ages: Kids' Club for members age 12 and under, VyTeen accounts for 13 to 17 year olds and Bravo accounts and Achieve accounts for 18 to 25 year olds. As a credit union, VyStar participates in www.balancepro. net. Through this financial vehicle you are assisted in improving your credit from top to bottom. This is a complete program and it's free. You are helped every step of the way to get your credit back to where it ought to be. Something relatively new at VyStar is the "change machine. Got change? Just pour in your all of your coins and get back cold, rdde ah Ruschhocusrhankhe k holidays are approaching. This service is free to members and costs 5 percent to non-members. This month we've introduced a selection of vehicles available to members and non-members alike. Next month we'll explore the opportunities available to VyStar / Laura Lancaster, vice president, Mandarin Branch VyStar Credit Union RE DESIG N * g g 1.7 mi In about an hour Kim will rearrange furniture, hang aftW0rk, choose paint color and much more! Kim is creative and specializes in achieving a designer look on any budget* Pa nt out hern D.K BRIERY CPA PLC 9 9 CERTIFIED PUBLIC ACCOUNTANT 30+ years observing clients. * Small Business Tax, Consulting, & Accounting * Tax Planning & Preparation for Business & Individuals * Knowledgeable in Church Accounting, Clergy Taxation, Pension Plans, IRAs, and Other Specialized Areas Tax Tip of the Month A credit is available for eligible employees hired after February 3, 2010 on wages paid between March 19, 2010 and December 31, 2010 eliminating the 6.2% employer social security tax on eligible hires. Employers can reduce their federal deposit amounts throughout the quarter by the eligible employer social security amount or they can wait to claim the credit on the Form 941 return. If the employee is employed for a minimum of 52 consecutive weeks, the employer is then eligible for an additional tax credit. Please contact me for more information. Now Offering Ethnic Mexican Tacos! Orthopaedic practice welcomesChao mis