River Review
March 2010
News For The Residents of River Place
Volume 4, Issue 3
Attracting Ladybugs to your Garden Just Got Easier
With Some Help from River Place Elementary YMCA Adventure Guides
You now have the opportunity to bring lots of beneficial ladybugs to eat predators in your garden -- thanks to a fundraiser from River Place’s very own YMCA Adventure Guide Group, you guessed it, The Ladybugs! This non-profit group, affiliated with the NW Austin YMCA, will be raising money to send donations to the victims of the Haiti earthquake by selling Ladybug Attractors. The group of eight elementary school girls, ages 8 and 9 years old, decided they wanted to do something to help those in desperate need of toiletries, shoes, and other basic items. It was only natural, given the group’s name, to involve ladybugs. Sadly, after learning that buying commercial ladybugs for the garden was not very “PC” (they are harvested in the foothills of the Sierra Nevada while dormant using Shopvacs, they can carry harmful parasites, and most don’t want to eat predators in our gardens since they’re not from Texas anyway), the girls decided they should do something to attract ladybugs already here. Ladybug attractors work by using something like a Love Potion #9, only in this case a vial with pheromones that ladybugs can’t resist. You simply place the vial in your garden by plants that have aphids or plant lice, and bingo, ladybugs can’t wait to come help you out! Ladybugs eat aphids, plant lice, scale insects, and other pests that attack your garden. For more information about purchasing a Ladybug Attractor set with three vials from “The YMCA Ladybugs”, please contact Karla Garrett at 906-0840. Orders will be placed by the first week of March and delivered the following week. Suggested donation is $16.
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River Review - March 2010
River Review IMPORTANT NUMBERS EMERGENCY NUMBERS EMERGENCY................................................................911 Fire...................................................................................... 911 Ambulance.......................................................................... 911 Sheriff – Non-Emergency...................................512-974-0845 Hudson Bend Fire and EMS Emergencies....................................................512-266-1775 Information......................................................512-266-2533 Schools Leander ISD.........................................................512-570-0000 Cedar Park High School.......................................512-570-1200 Vandegrift High School........................................512-570-2300 Canyon Ridge Middle School..............................512-570-3500 River Place Elementary.........................................512-570-6900 Utilities River Place MUD................................................512-246-0498 City of Austin Electric........................................512-494-9400 Texas Gas Service Custom Service........................................... 1-800-700-2443 Emergencies....................................................512-370-8609 Call Before You Dig........................................512-472-2822 AT&T New Service................................................ 1-800-464-7928 Repair.......................................................... 1-800-246-8464 Billing.......................................................... 1-800-858-7928 Time Warner Cable Customer Service............................................512-485-5555 Repairs.............................................................512-485-5080 IESI (Trash).........................................................512-282-3508 Other Numbers River Place Postal Office....................................512-345-9739 Newsletter Publisher Peel, Inc...............................................................512-263-9181 Article Submissions..........................
[email protected] Advertising.......................................
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New Four Points Chamber of Commerce
To Debut at March Kick Off Events
The new Four Points Chamber of Commerce will be officially introduced to the Four Points Community in March, with at least two opportunities to learn more about the Chamber’s purpose, the benefits of joining, and meet the initial charter members along with the newly elected leadership team during these debut events. The inaugural Four Points Chamber Luncheon will be held at River Place Country Club on Thursday, March 25, 2010, at 11:30 a.m. Details of the Chamber’s Happy Hour Launch Celebration, which will be held at a popular local establishment in early March. Additional opportunities for Charter Members to take advantage of ongoing Member Networking Roundtable events are also being finalized for kick-off in March. For more information about the benefits of joining, participating in these upcoming events and more, visit www.fourpointschamber. com or call 512-551-0390. Membership inquiries may also be sent directly to
[email protected].
OUR PROMISES TO YOU: We provide careful discovery of all potential risks, we don’t just sell policies. We communicate in simple understandable language. We re-market your insurance annually to ensure the best possible positioning in the marketplace. We contact you at regular intervals in order to keep up with your changing needs. We honor trust and maintain confidentiality. We return phone calls and electronic mail the same day. We always place your best interest before our own.
Newsletter Article Submissions
Interested in submitting an article? You can do so by emailing
[email protected] or by going to http:// www.peelinc.com/articleSubmit.php. All news must be received by the 9th of the month prior to the issue. So if you are involved with a school group, scouts, sports etc – please submit your articles for The River Review. Personal news for the Stork Report, Teenage Job Seekers, special celebrations and military service are also welcome.
River Review - March 2010
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River Review Travis County Master Gardeners Association Seminars Spring Vegetable Gardening Saturday, March 13,10am-noon Zilker Botanical Garden 2220 Barton Springs Rd., Austin TX Enjoy juicy tomatoes, crisp cucumbers, and delectable green beans straight from your garden. Learn how to plant and maintain a spring vegetable garden from Master Gardener Vegetable Specialist Patty Leander, who will share her expertise on vegetable varieties that perform well in Central Texas, recommended planting times, and composting. This seminar is loaded with basic facts and helpful ideas, useful to both new and experienced vegetable gardeners. This seminar is free and open to the public. This is one of our most popular seminars, so please come early to get a seat. Presented by the Travis County Master Gardeners Association, a volunteer arm of the Texas AgriLife Extension Service in Travis County. For information, go to www.tcmastergardeners.org or call the Master Gardeners desk at (512) 854-9600.
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4th Annual A Passion for Plants: An East Austin Garden Fair 2010 Saturday, March 20, 2010 10 a.m. to 4 p.m. Govalle Park, 5200 Bolm Road, just East of Airport Blvd. Call the Texas AgriLife Extension Service at 854-9600 for more information Govalle Park will once again be the site of A Passion for Plants: An East Austin Garden Fair on the last weekend of Spring Break. The theme of the fourth annual fair is “Gardening the Earth-Kind Way”. This FREE public gardening event will feature hands-on demonstrations of how to dig a garden bed, harvest rain water, grow fruits and vegetables organically, create wildlife food and shelter, start plants from cuttings and seeds, and how to cut back on chemicals that harm our environment and ourselves. Come for the free advice from our on-site experts to answer all of your gardening questions, for tips on living healthier and happier, and for fun educational activities for kids to get them out in nature in your own back yard! Visit our booths and get a free plant! Get ready for Spring with all the free information you need to start your own Earth-Kind garden, whether it’s one plant in a pot or a whole yard full, and then relax with a free massage! Hosted by Texas AgriLife Extension Service, Travis County Master Gardeners Association, the Sustainable Food Center, the Green Corn Project, and the Holistic Education and Health Network.
River Review - March 2010
River Review CERTIFIED TO VOTE!
New Blue Voter Cards Delivered!
Approximately 533,000 registered voters in Travis County will receive new voter certificates by mail starting today. The content of the new certificates look exactly like the old ones and includes the following: 1.Blue is the new color, replacing the current orange certificate that expires 12/31/09
In the Know…
2.A state-issued identification number, VUID, appears in the upper left corner. 3.“Date of birth” now appears as “year of birth”.
What you know matters! Don’t be afraid to report a crime. Did you know? Did you hear about the great new tool used by Law Enforcement Agencies to alert citizens of crimes, suspects and other pertinent information that could be used to help solve crimes? CitizenObserver is a web based notification toolset for law enforcement that enables citizens to receive and respond to text, email, and web alerts from our agency. Sign up today through the website. CitizenObserver is being used by the Travis County Sheriff's Office to communicate information to Citizens ranging from crime alerts to offender notifications. Be in touch with what’s happening! For the citizen observer website, log on to www. citizenobserver.com More Prevention tips to come in the next issue. Until then, stay vigilant and make the call! This is Travis County Sheriff Office West Command, signing off until next shift!
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River Review - March 2010
“Two years ago federal and state laws changed what voters see on their certificate,” said Travis County Tax Collector and Voter Registrar, Nelda Wells Spears. “In the upper left corner of the certificate, the state issues the ’VUID’ number, which stands for Voter Unique Identification. When voters move within Texas, the state keeps track of where to add or cancel a record.” Spears estimates 14% of the first-class mailed certificates (74,000) will be returned as undeliverable because the voter has moved and did not update their address. If a voter moved and provided a forwarding address at the post office, a follow up letter goes out from the voter registration division requesting an address update. If the voter fails to respond, the record is placed in a suspense file. While this action does not prevent voting, it may cause a delay at the polling place on Election Day. Address updates can be made online if the voter has moved within the county. Find the link at www.traviscountytax.org . Anyone who did not receive a voter certificate and needs to update address may download the form at www.traviscountytax. org or call 854-9473 to order by mail. See http://www.traviscountytax.org/ goNews.do#voters for voter registration statistics and a sample voter certificate.
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River Review - March 2010
River Review Nature Watch
Spiny Splendor
Often described as unusual and unique, cacti are a family of plants native only to the Americas, and due to its wide Texas Prickly Pear (Photo: variety of habitats, Texas has the Melody Lytle) most diverse cactus population of any state. In the hill country, cacti are abundant and some species are among the early bloomers that characterize the arrival of spring. While all cacti are succulents, not all succulents are cacti. Anatomically speaking, cacti consist of tubercles, areoles, leaves, spines, glochids, and flowers. Tubercles refer to enlarged, nippleshaped structures on the surface of the cactus. When running in vertical lines or aligned spirally along a stem, tubercles form ribs which can aid in species identification and add strength and stability to the body of the cactus. Each tubercle bears an areole, which is a highly specialized structure that can give rise to leaves, spines, flowers, fruits, or other stems. While cacti do not appear
to have typical flat, green leaves, most have tiny ones, which reduce the surface area through which cacti lose water. Lace Cactus (Photo : Spines are modified leaves and Melody Lytle) can vary in number, arrangement, size, and shape. Prickly pears, or Opuntia, are the only family of cacti that have glochids, much shorter and thinner spines that dislodge easily and are difficult to remove from the skin. Perhaps the most stunning feature of cacti is the strikingly beautiful flowers they produce. In proportion to the plant, the flower is generally quite large and can appear in every color except blue. Unlike other flowers, cactus flowers are ‘inside out’, hollow tubes where the ovary is located beneath all other parts of the flower. Maturing from this floral ovary is the cactus fruit, which contains the seeds. These fruits are eaten by several species of (Continued on Page 7)
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River Review Nature Watch - (Continued from Page 6) animals and birds, thereby ensuring distribution the seeds and propagation of the species. By far the most common cactus in central Texas is the Tasajillo (Photo: Texas prickly pear (Opuntia Robert C. Duncan) engelmannii var. lindheimeri). A relatively large, sprawling plant, this cactus has green to blue-green pads, mostly yellow spines, and almost circular areoles. Brilliant yellow blooms appear in March through June, opening in the morning and afternoon, and sometimes closing at night. There are several species of prickly pear in Texas, and collectively they are the state plant of Texas. Also called Christmas cholla and pencil cactus, Tasajillo (Cylindropuntia leptocaulis) is a low shrub with pencil-sized branched stems. Its spines are gray tipped with yellow, growing out of broadly elliptical areoles. Small, pale green to yellowishgreen blooms appear in March and continue through August, opening in late afternoon and closing at night. With all but one protruding central spine forming a star at the areole, the Grooved nipple cactus (Coryphantha sulcata) is also known as the finger cactus and the pineapple cactus. Often seen in growing in clumps, its gray spines contrast with its green globular shape, and it blooms at the apex with a golden yellow flower and bright red center from April through May. Identified by radial spines in longitudinal rows along its columnar body, the Lace cactus (Echinocereus reichenbachii) is prolific and probably one of the best known cacti in our area. Elliptical to linear areoles at the base of the spines are close enough together to cause the spines to overlap and mimic fine lace. Its bright pink to magenta flowers appears in April and June, but only last for a day. While they can vary greatly in size and general appearance, cacti have played an important role in ancient civilizations. Tenochtitlan, the earlier name of Mexico City, means ‘place of the sacred cactus.’ Images of this family of plants occur in many forms of historical art, emphasizing its important role in daily life by providing food, wood, fiber, and the spectacular beauty only a cactus bloom can bring! Send your nature-related questions to naturewatch@ austin.rr.com and we'll do our best to answer them. - By Jim and Lynne Grooved Nipple Cactus Weber (Photo : Melody Lytle) Copyright © 2010 Peel, Inc.
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River Review Personal Finance
The Year of the Roth IRA This year rings in a new era for Roth IRAs. In 2010, anyone with an eligible rollover distribution from a company plan or IRA can convert that distribution to a Roth IRA, regardless of income or tax filing status. The $100,000 income ceiling for Roth IRA conversions is permanently repealed, so “high-income” clients can now convert their IRAs. Married individuals filing separately can also now convert. It’s true that contributions to Roth IRAs still face income caps. But you can make nondeductible contributions to traditional IRAs, which can be immediately converted to Roths (the pro rata rule will apply). Who can convert? Traditional IRA owners (individuals with SEP IRAs and SIMPLE IRAs) can do Roth conversions. Just watch for the early distribution penalty from a SIMPLE IRA, in the first two years. Plan participants in 401(k)s,
403(b)s and 457 plans can also do Roth conversions as long as they’re eligible to take a distribution from the plan, and the funds are eligible for rollover to an IRA. See if a plan allows in-service distributions, so funds can be converted now instead of after a client stops working. Spouses who inherit IRAs have special rules. But the big question is: Should you convert? Here are some questions which need answers to help you make the decision: First, how long will you intend to keep the funds in the Roth once converted? Since the power of the Roth is its ability to grow the funds tax-free, less than 10 years is not worth it. Next, will you need the funds in retirement? Roth IRAs have no required minimum distributions (RMDs). So if you won’t need their (Continued on Page 9)
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River Review Personal Finance - (Continued from Page 8) IRAs for living expenses in retirement you can leave these accounts untouched, passing their income tax-free Roths to beneficiaries. Also, do you believe future tax rates will go up? If tax rates will be increasing, it pays to convert now at lower rates. Moreover, some account values are still depressed, adding to the tax savings on a Roth conversion. If you believe you’ll be in a lower tax bracket in retirement, you might want to stay put and not convert. Lastly, can you pay the tax? Even if conversion makes sense, you still must have the money to pay the income tax on the conversion. If you’re still not sure, consider a partial conversion. The Roth conversion isn’t all or nothing. You can convert part of an IRA or plan to a Roth. Another way to hedge bets is to undo the Roth conversion. It’s called a recharacterization, which is a reversal of all or part of the conversion. Check with your financial pro or CPA before converting.
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River Review
Millions of Window Shades and Blinds Recalled
What Happened All Roman shades and pull-up blinds were recalled voluntarily in the United States by the Consumer Product Safety Commission (CPSC) and Window Covering Safety Council (WCSC) due to the risk of strangulation to young kids. Health Canada also issued an advisory alerting parents to the potential strangulation hazard of Roman shades and pull-up blinds. According to the CPSC, in a single year consumers purchase about 5 million Roman shades and 3 million pull-up blinds. What This Means The CPSC is aware of five deaths and 16 near strangulations in Roman shades since 2006 as well as three deaths in roll-up blinds since 2001. Strangulations in Roman shades are possible when a child pulls the cord out of the shade and wraps it around the neck or when a child places his or her neck between the exposed inner cord and the fabric on the
backside of the blind. In roll-up blinds, strangulations can occur if a child’s neck becomes entangled in a lifting loop that has slid off the side of the blind or if a child places his or her neck between the roll-up blind fabric and the lifting loop. Where This Product Was Sold Major retailers in the United States and Canada, including Walmart (500,000 Roman shades and 600,000 roll-up blinds), J.C. Penney (more than 2.2 million Roman shades and about 340 roll-up blinds), and Pottery Barn (along with Pottery Barn Kids and PBTeen; about 305,000 Roman shades and 45,000 roller shades; an additional 85,000 Roman shades were recalled in August 2009), and online. What to Do Next For a free retrofit kit for Roman-style shades and roll-up blinds, visit www. windowcoverings.org or call the WCSC toll-
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free anytime at 800-506-4636. Additionally, the CPSC and the WCSC suggest taking these measures: Examine all shades and blinds at home to ensure there aren’t any accessible cords on the front, side, or back of the product — and if there are any, make them inaccessible to young children. If possible, install cordless window coverings in homes where kids live or visit. Place cribs, beds, and furniture away from the windows to prevent kids from climbing on them to reach the cords on the window coverings. Install tension devices in shades that have looped bead chains or nylon cords to keep the cords tight. For More Information http//www.cpsc.gov/cpscpub/prerel/ prhtml10/10073.html http//www.windowcoverings.org/ Recall date: December 15, 2009
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River Review - March 2010
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River Review
Have You Been Phished? Phishing (sounds just like fishing) is what thieves on the internet do to get your personal information. In fact, it is just like fishing – they use bait (and you are the fish.) What does phishing look like? It can look like an email from your bank. They tell you that there has been suspicious activity with your bank account, and in order to avoid having the account frozen you need to click a link and verify your information on their web site. If you click the link, it will take you to a web page that looks just like your banks login page. You enter your username and password, you may then see a page saying thank you for validating your information, or you may see an error page that says please try again later. The problem is you didn’t actually go to your bank’s web site; instead you just gave your login information to the bad guys. Another scheme frequently seen at this time of year is an email from the IRS and SURPRISE, it’s good news! You are eligible for a tax refund, and all you have to do is click on the link and submit your tax refund request. And oh, if you don’t respond within 48 hours they will assume the refund in invalid and it will be suspended. You’ll be in for another surprise when you later find out that it wasn’t really the IRS, and you gave your personal information, including your social security number to the bad guys.
Who are these bad guys? How come they don’t get caught? Well, you’ll find them in China, eastern European countries and Russia. That’s why you’ll often find these emails filled with poor or awkward grammar. They buy lists of email addresses and send them out by the millions. There are lots of “phish” in the ocean, but you only have to catch a few to make a lot of money. How do you protect yourself from phishing attacks? First and most important, NEVER click on links in email. Even if you get an email from a friend, are you sure they intentionally sent it? Many viruses will scan through an address book and then send an email to everyone with a generic message like “this is so funny, check it out” or “did you see this video of you online?” If you’re not expecting the email, DON’T CLICK. The same goes for attachments. Don’t fall for fake messages from UPS, FedEx, etc. Ask yourself “did I give them my email address?” You probably didn’t, so you can be sure they didn’t send it. The Internet is a big world filled with gleaming cities and dark alleys. As long as you’re aware that there are bad guys who are trying to steal from you, simple precautions and common sense will keep you safe. - Laurie Scott
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River Review
Austin Newcomers Club March Luncheon
COME SEE EVERY THIN G MEMBERSHIP HAS TO OFFER… Golf, Tennis, Fitness, Social & Dining WHAT WILL YOUR KIDS DO THIS SUMMER? Join the Fun During our 10 Weeks of Camp! Camps are Offered June thru August Our Programs include: • Sports Camp • Tap • Tot Camp • Ballet • Group & Private Swim Lessons • Hip Hop • Golf & Tennis Camps • Karate *Membership is Not Required to Attend Camps! Visit us online to view our 2010 Summer Programs! Please call Raquel Hebben, the Membership Director if you would like to Receive Information Regarding Membership or Summer Camps!
4207 River Place Boulevard Austin, Texas 78730 Phone: 512.346.1114 Fax: 512.346.0527 www.riverplaceclub.com
Austin Newcomers is a social organization dedicated to introducing residents to the Austin Community and giving them the opportunity to meet and make new friends. Join us at our monthly luncheon as well as take the opportunity to learn about and become involved in many varied fun Interest groups. Time:11:00 AM Social - 12 Noon Luncheon Date: March 17, 2010 (Reservations required by Thursday, March 11th) Location: Green Pastures Restaurant 811 W. Live Oak Street, Austin, 78704 Luncheon Cost: $20 per person For Luncheon Reservations email:
[email protected] or contact Marilyn Amey, 473-0118 For more Newcomers information visit www.austinnewcomers.com or call 512-314-5100 March Program: Get to know Austin Monthly and how it informs and entertains it’s readers in the capitol area Speaking to us this month will be Melissa Delaney, editor-in-chief of Austin Monthly and assistant editor Austin W.G. Morton. Austin Monthly is a glossy full color, urban lifestyle magazine which depicts Austin’s culture with stories, event listings, fashion, shopping, dining, the arts, restaurant reviews and reflective personal essays. The magazine continues to grow at a rapid pace since it’s initial publication in 1992. Melissa Delaney, is an award winning journalist who worked as a reporter and editor at Boston area newspapers, then joined the staff of Computerworld during the height of the tech boom. After years of freelancing at several national magazines, Delaney joined Austin Monthly where she steers the staff through the planning, creation and production of the magazine. Austin Morton is a 2008 Virginia Tech graduate. She currently edits the Events, Scene and Style sections. Austin says although she has been here 2 years, she still learns something new just about everyday while reporting on all the City of Austin has to offer.
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River Review - March 2010
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River Review Do You Have Reason to Celebrate?
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River Review - March 2010
13
River Review Meet Devion (7/02)
Devion is only little in physical size. He is convinced he is the biggest kid around and that he can do anything anyone else can do. This little man lights up any room he enters with his smile and personality. Devion loves attending church and enjoys singing in the children’s choir. Devion loves playing with other people of any age but he plays in the manner of a child age 4 to 6. He is showing progress in being able to play independently. Devion loves to do almost anything outside. He loves to swim, ride bikes & scooters, play baseball, basketball & football and has even recently tried to water ski! Devion has played 4 seasons of t-ball and one season of basketball since living in our home and loves telling everyone about it. While Devion has wonderful gross motor skills he struggles with his fine motor skills. While Devion has made much progress emotionally he continues to receive weekly therapy to work on social skills and impulsivity. Devion is very loving and affectionate. He enjoys being with others and would do well in a loving, structured, active home of any ethnic make-up as an only or youngest child. For more information on Devion or on adoption contact Grace Lindgren at the Adoption Coalition of Texas 512-810-0813 or
[email protected]
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River Review - March 2010
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River Review Reflections:
New Work from Sergio Rodriguez The Mexican American Cultural Center (MACC) will be hosting Reflections, an exhibit of large scale oil paintings by Sergio Rodriguez. There will be an opening reception Saturday, January 30th at 6pm in the main gallery, and the exhibit will be open to the public from January 30th to March 27th. There will also be a gallery talk about Rodriguez’s work given by the artist February 6th at 2pm. Reflections is a personal exploration of Rodriguez’s experience growing up in the border town of Eagle Pass. Not having visited his place of birth in 22 years, Rodriguez made a special trip back to Eagle Pass, re-immersing himself in the U.S.-Mexico border culture in order to inspire the work for this particular show. Further explaining the concept for Reflections, Rodriguez says, “such were the dreams that being reared along the border fostered; such were the conditions, history, and influences that permeated me, molded me, filled me, and thus sprung veins through which I think, feel and see … I yield what I am, and my roots never abandon me.” Through unique and striking pieces, Rodriguez visually elaborates on the elements of a complicated identity and allows the viewer to engage in his intimate experience. For more information call Herlinda Zamora at 478-6222. About The Artist: Sergio Rodriguez has exhibited work in Philadelphia, Mexico D.F. and all over Texas. His work is part of public and corporate collections in New York, Mexico and Puerto Rico, as well as Texas. After not being personally fulfilled with pursuit of a degree in business at Southwest Texas State University in San Marcos, Rodriguez stumbled upon the art of drawing, where he found his niche. He went on to receive his BFA in painting from Southwest Texas State University and then his MFA in painting from the Tyler School of Art in Philadelphia. He lives and works out of Austin, Texas. The City of Austin is committed to compliance with the Americans with Disabilities Act. If you require special assistance for participation in our programs or use of our facilities please call 512.478.6222.
Copyright © 2010 Peel, Inc.
Reflections # 1, Temperance Oil on Canvas, 2009 La Ciudad de Austin está comprometida al Acta de Americanos Incapacitados. Si requiere asistencia para participar en nuestros programas por favor llame al teléfono número 512.478.6222 For more information on the MACC, visit www.maccaustin.com or contact Herlinda Zamora, at 512.478.6222. The MACC is located on 600 River Street, Austin, Texas 78701.
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River Review
FINANCIAL FOCUS
Most investors pay a great deal of attention to the price of their investments — yesterday’s price, today’s price, tomorrow’s price, next year’s price and so on. And that’s understandable, because we always want the prices of our investments to rise. Yet, if you focus too much on prices, you could end up making some costly mistakes. Why? Because price-driven behavior is emotional behavior — and as an investor, you’re much better off making decisions with your head, not your heart. Suppose, for example, that you’ve seen a steep decline in the price of one of your investments. After a while, you may feel that you just can’t take it anymore and you decide to “cut your losses” by selling the investment. Conversely, you may have an investment that has gone up and up — and to grab even bigger gains, you buy more shares. Both these decisions could backfire on you. When you sold the investment whose price had fallen, you might find yourself
on the investment “sidelines” if that same investment starts to turn around. And when you throw more money at an investment whose price has skyrocketed, you’re betting against history — because no investment goes up forever. Furthermore, in both cases, your emotions will have led you to violate one of the guidelines of investing: buy low and sell high. But apart from the tactical errors you may make when you over-concentrate on price movements, you’re also ignoring another key characteristic of investments — their value. Traditionally, an investment’s “value” has been largely defined as whether or not it’s considered “expensive” or “cheap.” That’s why many investors take a close look at a stock’s price-to-earnings ratio (P/E). Generally speaking, a high P/E means a stock is more expensive, relative to its earnings, than a stock with a low P/E. Investors may be willing to pay more for the high P/E stocks
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because they feel these companies will be worth more in the future. But P/E doesn’t tell the whole story of investment value. Any individual investment may have value to you because it can help you diversify your holdings. And while diversification, by itself, can’t guarantee a profit or protect against a loss, it can help you reduce the effects of volatility on your portfolio. For instance, if your portfolio is heavy with stocks, the presence of some bonds — even those whose market price has fallen because interest rates have risen — can help reduce the impact of a downturn that primarily affects stocks. Clearly, the value of any investment has several dimensions — any or all of which may be valuable to you as your pursue your goals. So, as you build, maintain and adjust your portfolio over time, keep an eye on the changing prices of your investments — but don’t overlook their true value.
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River Review - March 2010
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River Review
Five Business Networking Groups in the Area Are you looking to grow your business in 2010? If so, you might be interested in a few of the business networking groups in the area. These are a few to choose from: Steiner Ranch Referrals BNI Group Meetings are on Thursday mornings from 8:00am to 9:30am at Thai Harmony in Steiner Ranch. Visitors are welcome! If you are interested in visiting a meeting please contact Kelly Peel at
[email protected] for more information or visit www.BNIAustin. com. Four Points BNI Meetings are on Wednesday at lunch from 11:30am to 1:00pm at the River Place Country Club. Visitors are welcome! If you are interested in visiting a meeting please contact Amy Oehler at amy.oehler@ unitedlendingusa.com or visit www. BNIAustin.com.
A Business Referral Group Made Fun Networking Northwest Austin is expanding its member base of businesses in our area. NWNWA members build close business and personal relationships. We believe in business by referrals and having a limited member base (not duplicating professions), so you will not see your competitors here. We have a caring, positive, involved group of people who not only wish to build their business, but also want to build the strength of our networking group. NWNWA meets on the 2nd and 4th Tuesday at Waterloo Ice House, 360 & FM 2222 from 7:00am to 8:30am. And a fun happy hour once per month at a beautiful location. Come to a breakfast or call Dorothy Scarborough, President -
[email protected], 512-589-3678.
4PBA.org “Your Trusted Source For Local Business.” We’re your user friendly networking group that provides business networking leads, co-op advertising support, and community event participation. See our web site 4PBA. org or call Chase Burris for more information 512-809-5051. your local city Steiner Ranch has a new business networking group. Your Local City is a positive, membership based, business networking organization with 17 groups meeting all over the Austin area. The Steiner Ranch group meets every Friday at 8:00 AM at the Lakeside Pizza and Grill located in the Shops at Steiner Ranch at Steiner Ranch Blvd. and Quinlan. Come join us to grow your business.
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River Review Business Classifieds Four Points Tutoring, a local Steiner Ranch in home tutoring service, offers tutoring by certified teachers to meet your child’s academic needs. We provide tutoring in all subjects for students K – college. Our rates are competitive and our tutors are skilled professionals. For more information call: 497-4355 or e mail us at
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Classified Ads 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
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Landscape Lady:
When to Prune
When to Prune: Since we have had (at least) 2 freezes, it is safe to cut back browned and damaged foliage. The key is to only remove what is absolutely necessary at this time. If you can possibly wait until after last frost free date, it is best to wait. Pruning stimulates new growth which is what you DO NOT want at this time. If you are only cutting into browned material, go for it. Cutting into green tissue or wood will cause the plant to re-sprout early. This early, tender growth might be damaged if we have another frost. If plants like liriope, knockout roses, lantanas and other perennials, palms and cycads (Sagos) are heavily damaged, they should not be trimmed back until late March or early April. At that time, all browned leaves/fronds should be removed at the base of the leaf stem.
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River Review - March 2010
As SOUTHERN PAINTING Does Copyright © 2010 Peel, Inc.
Wildflower Days™
River Review
Begins March 15 at Wildflower Center What: Wildflower Days™, the Lady Bird Johnson Wildflower Center’s spring season of events. When: Monday, March 15, through Monday, May 31. The center is open every day, 9 a.m. to 5:30 p.m. Where: The Lady Bird Johnson Wildflower Center, 4801 La Crosse Ave, Austin, Texas. Background: With recent rains helping landscapes recover from the drought, it’s time to come see bluebonnets blooming at the Wildflower Center, along with mountain laurel, redbud, Mexican plum and lots more native plants. During this spring season, the Wildflower Center holds a series of events including: • Artists & Artisan Festival, Saturday & Sunday, March 13 and 14—more than 20 artists in watercolor, ceramics, wood, metal and more. • Spring Plant Sale & Gardening Festival, Saturday & Sunday, April 10 and 11—gardening tips from experts and plenty of wildflowers and native plants, including drought-tolerant options. • National Wildflower Week Photo Exhibit, Monday, May 3, through Sunday, May 9—Texas Highways and the Wildflower Center present a portfolio of wildflower photographs. Sponsored by Canon. • Wildflower Gala, Friday, April 30—The most fun –and the most sustainable-- garden party you will ever attend. • Gardens on Tour, Saturday, May 8—a tour of five public and private native plant gardens plus the Wildflower Center. Information: For information on events, call 512.232.0100 or visit www.wildflower.org. Daily Admission: $7 adults, $6 seniors and students, $3 children, and free for members and children under 5 until March 15. After March 15, $8 adults, $7 seniors and students, $3 children and free for members and children under 5. Check this out: Watch some of our biggest bluebonnets on video before you visit as they grow and start blooming: http://www. wildflower.org/bbcam
River Place Stork Report Congratulations! Let us help celebrate... email info on the arrival of your little one to
[email protected].
Copyright © 2010 Peel, Inc.
JOIN US FOR SOME GOLF AND A GREAT CAUSE! DATE - Wednesday, May 19th LOCATION - Flintrock Falls Golf Course COST - $165 per golfer Honorary Chairs this year will be Garrett Weber-Gale, two-time Olympic gold medal swimmer and Ian Crocker, three-time Olympic gold medal swimmer and former world-record holder in the 100m butterfly! Special Guest Emcee will be Bob Fonseca of the 93.7 KLBJ Dudley and Bob Morning Show To register online, please visit www.colinshope.org
WWW.COLINSHOPE.ORG River Review - March 2010
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River Review The River Review is a private publication published by Peel, Inc. It is not sanctioned by any homeowners association or organization, nor is it subject to the approval of any homeowners association or organization, nor is it intended, nor implied to replace any publication that may be published by or on behalf of any homeowners association or organization. At no time will any source be allowed to use The River Review contents, or loan said contents, to others in anyway, shape or form, nor in any media, website, print, film, e-mail, electrostatic copy, fax, or etc. for the purpose of solicitation, commercial use, or any use for profit, political campaigns, or other self amplification, under penalty of law without written or expressed permission from Peel, Inc. The information in the newsletter is exclusively for the private use of Peel, Inc. 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.
SSudoku udoku The challenge is to fill every row across, every column down, and every 3x3 box with the digits 1 through 9. Each 1 through 9 digit must appear only once in each row across, each column down, and each 3x3 box.
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© 2007. Feature Exchange
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River Review - March 2010
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River Review
- Kids Stuff-
Section for Kids with news, puzzles, games and more!
Eleven-year-old Cait was trying to fall asleep when her 8-year-old brother, Doug, came into her room. He looked around a bit, but seemed really out of it. Then Doug went back into the hallway and stood there staring up at the hall light. Little brothers can be weird, but this was really strange. Cait didn’t know what to do. Just then, Cait’s father appeared and explained that Doug was sleepwalking. What Is Sleepwalking? Not all sleep is the same every night. We experience some deep, quiet sleep and some active sleep, which is when dreams happen. You might think sleepwalking would happen during active sleep, but a person isn’t physically active during active sleep. Sleepwalking usually happens in the first few hours of sleep in the stage called slow-wave or deep sleep. Not all sleepwalkers actually walk. Some simply sit up or stand in bed or act like they’re awake (but dazed) when, in fact, they’re asleep! Most, however, do get up and move around for a few seconds or for as long as half an hour. Sleepwalkers’ eyes are open, but they don’t see the same way they do when they’re awake and often think they’re in different rooms of the house or different places altogether. Sleepwalkers tend to go back to bed on their own and they won’t remember it in the morning. Researchers estimate that up to 15% of kids sleepwalk regularly. Sleepwalking may run in families and sometimes occurs when a person is sick, has a fever, is not getting enough sleep, or is stressed.
What Will the Doctor Do? There’s no cure for sleepwalking, but the doctor can talk to you about what’s happening and try to find ways to help you sleep more soundly. Most kids just grow out of sleepwalking. For kids who sleepwalk often, doctors may recommend a treatment called scheduled awakening. This disrupts the sleep cycle enough to help stop sleepwalking. In rare cases, a doctor may prescribe medication to help someone sleep. Here are some tips to help prevent sleepwalking: • Relax at bedtime by listening to soft music or relaxation tapes. • Have a regular sleep schedule and stick to it. • Keep noise and lights to a minimum while you're trying to sleep. • Avoid drinking a lot in the evening and be sure to go to the bathroom before going to bed. (A full bladder can contribute to sleepwalking.)
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Is Sleepwalking a Serious Problem? If sleepwalking occurs frequently, every night or so, it’s a good idea for your mom or dad to take you to see your doctor. But occasional sleepwalking generally isn’t something to worry about, although it may look funny or even scary for the people who see a sleepwalker in action. Although occasional sleepwalking isn’t a big deal, it’s important, of course, that the person is kept safe. Precautions should be taken so the person is less likely to fall down, run into something, or walk out the front door while sleepwalking.
How Do I Take Care of a Sleepwalker? One thing you can do to help is to clear rooms and hallways of furniture or obstacles a sleepwalker might encounter during the night. If there are stairs or dangerous areas, a grown-up should close doors and windows or install safety gates. You also might have heard that sleepwalkers can get confused and scared if you startle them into being awake. That’s true, so what do you do if you see someone sleepwalking? You should call for a grown-up who can gently steer the person back to bed. And once the sleepwalker is tucked back in bed, it’s time for you to get some shut-eye, too! Reviewed by: Larissa Hirsch, MD Date reviewed: February 2008 Originally reviewed by: Michael H. Goodman, MD
This information was provided by KidsHealth, one of the largest resources online for medically reviewed health information written for parents, kids, and teens. For more articles like this one, visit www.KidsHealth.org or www.TeensHealth.org. ©1995-2006. The Nemours Foundation
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River Review - March 2010
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River Review
Attention KIDS: Send Us Your Masterpiece! Color the drawing below and mail the finished artwork to us at Peel, Inc. - Kids Club 311 Ranch Road 620 S, Suite 200 Lakeway, TX 78734 We will select the top few and post their artwork online at www.PEELinc.com. DUE: March 31st
Be sure to include the following so we can let you know! Name: ________________________________________ Email Address: __________________________________ Age:_______ (first name, last initial
[This information will only be used to notify you or your parents if your artwork was selected.]
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River Review - March 2010
Copyright © 2010 Peel, Inc.
Crossword Puzzle Crossword Puzzle
River Review
ACROSS 1. Squeeze 5. Lovers 9. Women's magazine 10. Special case only (2 wds.) 11. Lemony 12. Passes at the bull 13. Of this 15. Feign 16. Long scoldings 18. Tutee 21. To be 22. Band instrument 26. __ cotta (clay) 28. Too 29. Append (2 wds.) 30. Worker 31. Honker 32. University (abbr.) *Solution at www.PEELinc.com
ACROSS 1. Squeeze 5. Lovers 9. Women's magazine 10. Special case only (2 wds.) 11. Lemony 12. Passes at the bull 13. Of this 15. Feign 16. Long scoldings 18. Tutee 21. To be 22. Band instrument 26. __ cotta (clay) 28. Too 29. Append (2 wds.) 30. Worker 31. Honker 32. University (abbr.)
ACROSS DOWN 1. Fire remains 1. Fit together 4. Alarm bell 2. Healing plant 10. Fib 3. Speak indistinctly 11. African country 4. To this document 12. Lodge 5. Food and drug13. administration (abbr.) Chronological records 6. Leading 14. Colorful Mexican shawl 7. Time being 16. Legume 8. Beats it! 17. Matching 10. Wrangle 18. Scale note 20.Man You needed 14. What the Tin 17. Naval fleet22. Club 26. First woman 18. Devil 19. Doctrine 29. Seed part 31. Plunderer 20. Tends sheep 33. Epoch 23. Group of nations 34. Verse meter 24. Afloat 35. Twitch 25. Noble 27. Fish eggs 36. Secures 37. Ball holder © 2007. Feature Exchange © 2007. Feature Exchange
DOWN 1. Fit together 2. Healing plant 3. Speak indistinctly 4. To this document 5. Food and drug administration (abbr.) 6. Leading 7. Time being 8. Beats it! 10. Wrangle 14. What the Tin Man needed 17. Naval fleet 18. Devil 19. Doctrine 20. Tends sheep 23. Group of nations 24. Afloat 25. Noble 27. Fish eggs
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