w e i v e R
Estates of Russell Creek Estates of
Russell Creek March 2010
Volume 4, Issue 3
Official Publication of The Estates of Russell Creek Homeowners Association
Announcements Save the date for the Annual ERC Garage Sale! Saturday, April 17 ,8am to Noon More details in this issue, online and in the ERC email blast!
Anyone interested in joining an ERC Bridge Group? Contact Holly Dickerson-West at holly.
[email protected]
Are you or your child interested in babysitting? Get added to the ERC babysitter list. Submit your name, age, phone number and street to Sarah Waterman at sarahwaterman@yahoo. com. Sarah has graciously volunteered to consolidate a babysitter list and make it available to ERC residents.
Would you like to receive periodic emails containing neighborhood announcements, including upcoming events, crime watch notices and other ERC information? Then send an email to
[email protected]. com requesting your email address be added to the distribution list.
IT’S THAT TIME OF YEAR AGAIN! ERC’s 14th ANNUAL GARAGE SALE!
Saturday, April 10th 8am-1pm (Note: 1 hour longer per requests)
This is a chance to clean out your house & simplify, make some extra money, meet some neighbors and trade “stuff ”! For a mere $5 you get: Signs at major intersections, a sign & balloons for your yard, advertising in the newspaper, “The List” on the website, and a list of sale tips. As always, the proceeds left after expenses,will be donated to the Collin County Children’s Advocacy Center, our charity of choice this year. You provide the “treasures”, the price tags and word-of-mouth advertising. The City of Plano requires a garage sale permit for each address participating. Please go to their website at: www.plano.gov/garagesales and follow the step-by-step directions to get a garage sale permit. It takes about 2 minutes…your “stuff ” will be registered so others in Plano can access and find you—added publicity for all of us! It’s easy! If you need help, call Marlene at 972-377-0601. The date & times to put on the permit application are as follows: APRIL 10TH – 8:00am to 1pm. Please make sure to print a copy of your permit because you can get fined as high as $500.00 if you do not have one on the premises the day of the garage sale! The police DO make random checks. Deadline for forms at $5 is Monday, March 29th. Please drop off completed forms at 8116 Lynores Way, black box on porch, NOT mailbox) with $5 cash or check made out to CASH or ERC. After March 29th, fee will be $10 with this form and we cannot guarantee being “on the List”. (Late entries still get signs, the benefit of advertising, the benefit of the day’s momentum, a donation to the charity, etc.) In previous years, there have been neighbors who took advantage of all the free publicity paid for and hard work done by their neighbors and held garage sales, but did not contribute their $$ towards the expenses. We ask that anyone holding a garage sale on April 10th, please participate, pay your money and increase the amount ERC donates to charity! Deadline for $5 entry: Monday, March 29th, 8116 Lynores Way “The List”** posted on estatesofrussellcreek.com: 31st March Signs Pick-Up Day: Thursday, April 8th, 5:30-7pm, 3720 Hibbs Neighborhood Preview Night: Friday, April 9th, 6:30-8:00pm – This night is for (Continued on Page 3)
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Estates of Russell Creek Homeowner's Association Newsletter - March 2010
Estates of Russell Creek erc board members David Oldani, President....................................972-731-6244 Amy Newell, Vice President..............................972-335-5860 John Dwyer, Secretary.......................................972-377-0246 Jeff Einspahr, Treasurer......................................972-335-5413 Doug Finn, Director.........................................972-712-4655 Sandra Johnson, Director..................................972-712-2337 Robert Simmons, Director................................972-731-9683 Dan Estep (CMA).............................................972-943-2856
ERC Classifieds Have any items that you need to get rid of but think someone else could use? Have a useful service to offer your neighbors? Why not place an ad in The Review? Just send the info and a phone to the newsletter editor, and your ad will be run in the newsletter for two issues. Personal classifieds (one time sell items, such as a used bike...) run at no charge to ERC residents, limit 30 words, please e-mail
[email protected].
newsletter info Editor Geoff Clark.......................
[email protected] ..................................................................... 214-924-7168 Publisher Peel, Inc........................ www.PEELinc.com, 512-263-9181
[email protected], 512-263-9181 Advertising Information Please support the businesses that advertise in the Estates of Russell Creek Review Community Newsletter. Their advertising dollars make it possible for all Estates of Russell Creek 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 @ 512-263-9181 or advertising@ PEELinc.com. The advertising deadline is the 20th of each month for the following month's newsletter. Classified Ads Personal classifieds (one time sell items, such as a used bike...) run at no charge to Estates of Russell Creek residents, limit 30 words, please
[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].
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Estates of Russell Creek Homeowner's Association Newsletter - March 2010
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Estates of Russell Creek Garage Sale - (Continued from Cover Page) friends and family only to preview the sales and get the “good stuff ” Garage Sale Day: Saturday, April 10, 8a-1pm ** “The List” is a spreadsheet of items for sale & contact information Check www.estatesofrussellcreek.com for updates, forms and “The List”. Contacts: Marlene Newby,
[email protected],972-377-0601 Dianna Haun,
[email protected],972-335-8051 Beth Ann Niketas
[email protected] 972-335-4753 If you are looking for an item, please fill out the form enclosed; turn it in, as above, with $1.00 per “wanted” item. Items will appear in the “Wanted” section of “The List” online. Please note that your address and phone will appear online from March 31st to April 12th. As we always caution, if you are in the Witness Protection Program, hold your garage sale at a neighbor’s and list their info. Just kidding!!!!
Pool Parking Lots, please contact one of us listed below. We will allow a certain number of “vendors” to sell their goodies and raise some money for their cause! Now, the money can be raised for your personal service organization or if you choose, be donated to the ERC charity of choice this year, which is the Collin County Children’s Advocacy Center. This is an extremely worthwhile organization that helps abused children and makes an incredible impact on many lives in our area. Let us know if you’re interested! Beverage (soft drinks, coffee) stands, donut stands, hot dog stands, baked goods - these are just some suggestions!!! Please contact one of us so that we can keep control of the number of “vendors”. Marlene Newby - 972-377-0601 Dianna Haun - 972-335-8051 Beth Ann Niketas - 972-335-4753
SOMETHING NEW AND FUN THIS YEAR! We have had requests in the past for drinks or food items be sold to make the event more festive! So this year if you are linked with a service organization (i.e. Girl Scouts, Boy Scouts, School Band) and would like to set up a food stand in the Bonita or Kimbrough
ERC Garage Sale Entry form on page 7
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Estates of Russell Creek Homeowner's Association Newsletter - March 2010
Estates of Russell Creek
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]
CUSTOM HOME & FURNITURE DESIGN, INC. RICK INGRAM TRCC 23724
Mob: 806-773-3396 Home: 806-385-5531
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Estates of Russell Creek 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 6)
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Why pay more than you have to? Copyright © 2010 Peel, Inc.
Estates of Russell Creek Homeowner's Association Newsletter - March 2010
Estates of Russell Creek At no time will any source be allowed to use the Estates of Russell Creek Community Newsletter 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 the Estates of Russell Creek Association and Peel, Inc. The information in the newsletter is exclusively for the private use of Estates of Russell Creek residents only. 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.
Personal Finance - (Continued from Page 5) 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. - Submitted By Rich Keith
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Estates of Russell Creek Homeowner's Association Newsletter - March 2010
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Estates of Russell Creek ERC 2010 GARAGE SALE ENTRY FORM Name________________________________________________________________________________________________ Phone____________________________________E-mail______________________________________________________* *To save money on printing, we are e-mailing all communications so you can print out info immediately as it is available. To receive all information (including “The List”), you MUST include your e-mail address. If you have a special situation, please contact Marlene Newby at 972-377-0601. List of things for sale: (include brand names, clothing sizes/ages, etc.) Also please write/print as clearly as possible. _____________________________________________________________________________________________________ _____________________________________________________________________________________________________ _____________________________________________________________________________________________________ _____________________________________________________________________________________________________ _____________________________________________________________________________________________________ _____________________________________________________________________________________________________ _____________________________________________________________________________________________________ _____________________________________________________________________________________________________ _____________________________________________________________________________________________________ _____________________________________________________________________________________________________ ..................................................................................... Wanted List - $1/Item......................................................................... Name________________________________________________________________________________________________ Phone________________________________E-mail___________________________________________________________ ITEM(S)WANTED:_____________________________________________________________________________________ _____________________________________________________________________________________________________ Please drop off completed forms at 8116 Lynores Way, black box on porch, NOT mailbox) with $5 cash or check made out to CASH or ERC.
IF YOU FORGET TO KEEP THIS FORM, YOU CAN ALWAYS GO TO THE ERC WEBSITE TO GET ANOTHER APPLICATION ONLINE!!! DON’T MISS OUT ON THE FUN!!!!!
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Estates of Russell Creek Homeowner's Association Newsletter - March 2010
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Estates of Russell Creek Homeowner's Association Newsletter - March 2010
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