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S 30 SENIOR ACTIVITIES EVENTS AT THE SENIOR CENTER Join the fun at the Veterans Memorial Senior Center, 1455 Madison Ave., for these great activities: HOLIDAY SING-ALONG Thursday, Dec. 21, 1:30-3:30 p.m. Redwood Room Enjoy an afternoon of holiday music and singalong spirit while enjoying hot cider and cookies. Cost is $2. No reservation required. TOAST TO THE TOWN AFTERNOON DANCE Saturday, Jan. 6, 1-3 p.m. Redwood Room Start 2007 off with an afternoon of music, compliments of the Bob Saul Orchestra. Chocolate and champagne will be served. Cost is $10 per person. For tickets, leave a message at (650) 780-7264 by Wednesday, Jan. 3. OLDER DRIVER SAFETY SEMINAR Thursday, Jan. 18, 9 a.m.-12 p.m. Sunset Room Join us for this popular seminar on older driver safety. Topics will include a confidential self-analysis of driving skills, the importance of nutrition and exercise, age-related changes and how to adjust to be a safer and more alert driver. This class is sponsored by volunteers from the California Highway Patrol. To register, call (650) 780-7270. Class size is limited. There is no charge. To learn more about the Veterans Memorial Senior Center, call (650) 780-7270. FREE REPORT REVEALS Why Most "Baby Boomers" Will Not Be Able To Retire Comfortably And What To Do About It! Or "Please pass the dog food" Do the math. If you have $50,000 to $100,000 in an IRA, 401k or other retirement account and you are depending on the unpredictable stock market to build the nest egg you will need to generate a retirement income of $5,000+ per month, you are competing for the Nobel Prize in self-delusion. There is a solution! FREE RECORDED MESSAGE No obligation 24/7 650.670.0478 THE SPECTRUM (continued from page 29) The club meets on Wednesdays 12:30- 1:30 p.m. in the Council Chambers at City Hall, 1017 Middlefield Road. Call Manny Rosas at (650) 780-7468 if you would like to check out a meeting or just stop in. Visit www.toastmasters.org for more information about the Toastmasters public speaking program. OPTIMIST CLUB OF REDWOOD CITY The Optimists invite you to become a member of Optimist International, one of the largest service organizations in the world, where “Bringing Out the Best in Kids” has been their mission for over 80 years. Whether you’re a club officer or a club member who enjoys the fellowship and friendship of others with a common greater good, Optimist International needs and wants you as a member. The Optimist Club of Redwood City meets every Tuesday at 12:15 p.m. at Bob’s Court House Coffee Shop at Middlefield and Broadway. For more information call their president, Steve, at (650) 365-8089 or their secretary, Ted Cole, at (650) 366-1392. Or come join them for lunch to learn more about how you can make a difference. WOODSIDE TERRACE A.M. KIWANIS CLUB Since October 1956, the Woodside Terrace A.M. Kiwanis Club and its precedents have been devoted to community service in Redwood City. Through the decades, they have provided funds to help many worthy community programs and continue to add more community projects. The club sponsors the Key Club of Sequoia High School, chartered in 1994 and involved in raising money and donating time and effort to many of its programs. The Woodside Terrace A.M. Kiwanis Club meets every Wednesday morning 7:15-8:30 a.m. at the Waterfront Restaurant, 1 Uccelli Blvd. (at Pete’s Harbor). They invite you to come to their meetings and check out the club’s Web site at www.agencyinfo.org/kiwanis. HEARING LOSS ASSOCIATION OF THE PENINSULA (FORMERLY SHHH) Hearing Loss Association is a volunteer, international organization of hard-ofhearing people, relatives and friends. The nonprofit, nonsectarian, educational organization is devoted to the welfare and interests of those who cannot hear well but are committed to participating in the hearing world. A day meeting is held on the first Monday of the month at 1:30 p.m. at the Veterans Memorial Senior Center, 1455 Madison Ave. Educational speakers and refreshments are provided. A demonstration of assistive devices is held on the first Wednesday of the month at 10:30 a.m. in the second floor conference room at the Redwood City Public Library, 1044 Middlefield Road. Call Marj at (650) 593-6760 with any questions. Editor’s note: If you are connected with a nonprofit organization and want your information printed in The Spectrum, send it to writers@spectrummagazine.net or The Spectrum Magazine, P.O. Box 862, Redwood City, CA 94064. Let our community know your contributions and maybe some will want to join you. The Advertise With Spectrum (650) 368-2434 Visit our Web site at www.spectrum magazine.net for the latest on The Spectrum and a complete archive of our past issues! WWW.SPECTRUMMAGAZINE.NET
REDWOOD CITY’S MONTHLY MAGAZINE TIME FOR NEW YEAR’S FINANCIAL RESOLUTIONS S FINANCE David Amann, Special to The Spectrum Once again, it’s time to make New Year’s resolutions. If you can succeed in your efforts to exercise more, travel, learn a new language or any of the other worthy goals you might have, you can expand your horizons and enjoy a better quality of life. But if you want to make an even bigger impact on your future, you may want to make — and keep — financial resolutions for the coming year. As with all resolutions, the financial ones are easier to keep if they don’t force you to drastically change your lifestyle. So, with that in mind, here are a few attainable financial resolutions to consider for 2007: Increase your retirement plan contributions. If your salary goes up this year, increase the percentage of your earnings that you defer into your 401(k) plan — or your 403(b) if you work for a non-profit agency or 457(b) if you work for a state, county, city or other governmental agency. With tax-deferred growth, pre-tax contributions and a variety of investment choices, these plans are great retirement savings vehicles. Plus, since the money is taken out before it even reaches your check, you won’t really “miss” your increased payments. And in 2007, the contribution limit for these plans has increased to $15,500. (If you’re 50 or older, you can contribute an additional $5,000.) “Max out” on your IRA. In 2007, you can put up to $4,000 into a traditional or Roth IRA, or $5,000 if you are 50 or older. If you cannot come up with the maximum amount at once, try dividing your $ IRA contributions into 12 equal monthly payments and have the money taken automatically from a checking or savings account. Build adequate cash reserves. Try to build a sufficient cash cushion — about six to 12 months’ worth of living expenses — to handle any unexpected financial needs, such as a major car repair or an expensive new appliance. By building an emergency fund, you won’t need to tap into your investments. And by giving your investments the potential to grow for as long as possible, you’ll accelerate your chances for progress toward your longterm financial goals. Review your investment portfolio. It’s a good idea to review your investment portfolio at least once a year. Over the course of 12 months, your life can change in many ways (e.g., new spouse, house, child or job). And if your life changes significantly, your investment goals may also change. But even if your circumstances haven’t changed much in a year, you should review your holdings to make sure your investment mix reflects your individual risk tolerance, time horizon and long-term objectives. A financial professional can help you review your investments to make sure you are still on track. Don’t take a “timeout” from investing. In every year, you can find any number of events — war, political turmoil, natural disasters, market volatility, etc. — that might motivate you to “take a break” from investing. But the most successful investors keep on investing, no matter how gloomy the news may be. So, in 2007, look beyond the headlines. Instead, focus on quality investments and your long-term investment strategies. If you can achieve these New Year’s resolutions, you’ll go a long way toward potentially improving your financial situation in 2007 — and beyond. Editor’s note: David Amann is one of the Redwood City community members who contributes to The Spectrum. If you have any questions regarding investments please send them to writers@spectrummagazine.net or The Spectrum Magazine, P.O. Box 862, Redwood City, CA, 94064. 31 Senior Morning 10% Off Purchases December 14th & 28th 8-12 AM Coffee & Donuts Served CHRISTMAS TREES $24.89 Douglas $29.99 Noble Fir Holiday Wreaths $12.99 14" Wreath $19.99 24" Wreath 1833 Broadway * (650) 364-7406 Store Hours: Mon-Sat 8am-9pm*Sun 9am-7pm We carry FRESH MEAT (Pork, Chicken & Beef) and PRODUCE! GREAT WINE SAVINGS! Great CLOTHES! Not valid with any other offer. Excludes Dairy & Alcohol. Valid at Redwood City Grocery Outlet Store. One coupon per family per day. Expires 01/08/07 $ 3OFF Any $30 Purchase WWW.SPECTRUMMAGAZINE.NET
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