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About Dillon Tribune (Dillon, Mont.) 1989-current | View This Issue
Dillon Tribune (Dillon, Mont.), 16 Feb. 2005, located at <http://montananewspapers.org/lccn/2015269516/2005-02-16/ed-1/seq-2/>, image provided by MONTANA NEWSPAPERS, Montana Historical Society, Helena, Montana.
Page A-2 l)¡u<>\ Iwm m Weanesoa/. fea;u..- :>4 * 0 0 . i * S * Ì) 4 p i 4 Vjeà* , < . C 4 ♦ . < B 4 V* ?,Lzr4°l¿ <:••>«•) A N ♦ , / 7 _ 7 . , f t 4 r * Commemorative tree Kirsten Meine, Barrett Hospital and Healthcare RN/Perinatal Specialist, BHHC Auxiliary members Marcy Busch and Mary Ellen Wilkerson, and Tara Peterson of T.P. Originals, present the new Commemorative Tree at Barrett Hospital and Healthcare. The tree, made by Peterson, is on a steel base with a copper patina and smokey plexiglass on top. Leaves will be sold to honor babies born at either Barrett Hospital. Brushed gold leaves with green lettering will be used for new births, with a different color for deceased children. In what has been a two year long process, the Barrett Hospital and Healthcare Auxiliary sponsored the creation of the Commemorative Tree, and is now seeing its work come to fruition. \Anyone born at Barrett Hospital can buy a leaf recording their birth,\ notes auxiliary member Marcy Busch. \It's a really nice thing. It would be a really nice birth or christening gift and a nice memorial gift.\ For more information, watch for brochures to be found soon, contact any Barrett Hospital and Healthcare Auxiliary member, or visit the Barrett Hospital Gift Shop. Elaine Spicer Photo .'V i! « H E M V C N I Y ! Thun, Feb. 17th, 8th Anniversary Sale! ^ £ • • ‘ 2 “ O F F M , c d ' (Instock only) 1 / 2 O F F Cassette Closeout K » 1 / 2 O F F I M C D ’s (Other In-Store Specials!) Thank You Southwest Montana! s » - Hours 44^ 1 0 a .m .-6 p .i E. Bannack i 683-9202 ■¡ * ’i' wi ' ' ■« Financial advice to help you sleep at night... Many Investors, in individual, trust and qualified accounts (IRAs, Roth IRAs, 401k, 403b, Educational Savings Accounts, etc.), would like to share in the return potential of a rising stock market without having their hard-earned dollars ex posed to risk of a market downturn. There is now an innova tive way that you can achieve both through a unique deposit investment-Dow Jones Indexed Certificates of Deposit (ICDs). The recent stock market adjustment and economic reces sion have caused many Americans to watch one-third to one- half of their investments evaporate. Many investors are un derstandably reluctant to return to the equity market, fearing that additional losses would force them to either postpone retirement or seriously downgrade their lifetime dreams. To make matters worse, interest rates are at a record low, caus ing bonds and fixed rate certificates of deposits to offer re-- turns that barely keep up with inflation. Now investors are able to obtain peace of mind by invest ing in ICDs obtained at many local hanks. ICDs are very similar to traditional fixed rate CDs except the ICD pays interest at maturity according to the growth of a stock market index, the Dow Jones Industrial Average. The appreciation is subject to a participation rate (percent of index performance received) which varies from issue to issue depending on prevail ing market conditions. The ICD’s principal is guaranteed by the issuing bank, if held to maturity and FDIC insured up to $100,000 per account. Most banks have a low minimum ICD investment amount of $1,000. ICDs offer growth potential similar to an Index Mutual Fund with safety similar to a fixed rate Certificate of Deposit. The historical average returns on the Dow Jones Index CDs have been 7.0 to 8.5 percent APY since 1950, which is very competitive when you consider the peace of mind provided by such an investment. ICDs are a logical choice for “buy and hold” investors wanting to participate in the potential appreciation and diversification of a market index, such as the Dow Jones Industrial Average. ICD • investors are those who want the competitive returns available in the stock market but who are unwilling to tolerate the losses experienced with other investments. When held to maturity, ICDs provide un-capped interest potential without having downside principal loss. Ask your personal banker or 401k plan sponsor how you can establish an account or use an existing account to invest in ICDs. ■'Vv;, • -K\. - * 4, >“* (Give one of these professionals a call today!) a t j s w r i > - m î ?/ - \ ä i C n ä í. .*« • ‘ ©YAMAHA r NORTH STAR YAMAHA OF DILLON • 520 N. MONTANA • 683-6454 I T ’ S T I M E to open or add to your Pioneer ^ s / Federal Savings and Loan IRA or Medical Savings Account F e d e r a l lA V I N C l A N O I O A N 32 N o r t h W a s h i n g t o n 683-5191 www.pioneerred.com Tix D ev Is April 15- A p r il 15 Is it betier lo take the stan dard deductions or itemize? What do I have to do in order to file for an extension? Can 1 deduct my medical bills and m agazine subscriptions? Regular or Roth IRA - which is better for me? Lei me lake the guesswork out of it! S t a n W h i t t i n g t o n , C P A ’ Income Tax Preparation ‘Accounting Services ‘ business Consulting Phone: 683-2999 ^ later than you think... Last A p ril 15, did you w w to do your tax planning differently next lime? THAT TIME IS NOW. • check your tax withholdings • increase your IR A contributions ■ add to your retirement funds • organize your tax files and records • consider s e lling to take tax losses • hire an accountant before A p r il 1 Your D.A. Davidson & Co. financial consultant tan help you review your investments amt prepare for the end of the year - and for NEXT April 15. 406-683-9706 or 1-877-848-9826 While D A. Dtvidvwt 4 Co prtmdrx investment idvre related to taxes, you should always consult your tavlfgil advivr D.A. Davidson & Co. 230 East Glendale • Dillon. MT 50725 I ) UNISON -, ’ > PA N { S D.A. Davidson & Co. Financial Consultants Dale Giem l T) Cot* Are you saving enough for retirement? How is your IRA performing? Have you checked the diversification of your IRA investments? When was the last time you reviewed your beneficiaries? Are you taking advantage of new contribu- ' lion limits, possible tax credits and more? If you need answers to these questions, Edward Jones can help. Come In tor a free IRA checkup! Kyle C. Andereew, AAMS — ~ , 131 S. Montana Slrt-ni. Dillon. MT 59725 E d w H r d i O n f f S Hus. KkWA'W.artt •fKXI-.'UT-MW! G e t R id o f B i lls w i t h In s t a n t M o n e y . Instant Money. N o b o d y gets you m o re m o n e y faster. At H&R Block, you can walk in with your taxes and walk out writh a refund anticipation loan check. Get the money you’re looking for to pay off bilLs and other debt fast. 730 North Montana Dillon, MT 59725 683-5033 www.hrblock.com H&R BLOCK’ Addtrkaud ter lUarfumi a**v ttwnrst rale «halted 6 » I M * ' Raifc. *A. th» ìpimci I L uu M- s I wweleUiRy bjMWf on rm ift Time* KOI Ihr tnwlant Money m iy tor a riattar r*-6iiHÌ witirqvalmn !<*•> il, m ttUfr a* «ww Ua> Al paMM-ttwiniq lor alHtra *ÄfVM IMU tVurk S»T.*rr». In« • Individual - Federal & State • Corporations/Partnerships • Quick Books Support Peck & Peck, CPAs PC Dennis W. Peck, CPA • Kev in D. Peck. CPA 312 S. Pacific • P.O. Box 1046 • D illo n , M T 59725 Tei (406) 683-4254 • Facsimile (406) 683-4255 Is the Earned Income Tax Credit (EITC) for you? Millions of Americans forgo critical tax relief each year by failing to claim the Earned Income Tax Credit (EITC), a fed eral tax credit for individuals who work but do not earn high incomes. Taxpayers who qualify and claim the credit could pay less federal tax, pay no tax or even get a tax refund. In 2004, an estimated 21 million taxpayers received approxi mately $37.5 billion in EITC. “The EITC helps hardworking taxpayers, yet each year an estimated 25 percent of people who qualify don’t claim the credit,” says David R. Williams, Director, Earned Income Tax Credit at the Internal Revenue Service. “At the same time, there are millions of Americans who have claimed the credit in error, many of whom simply don’t understand the criteria. That’s why the IRS is working to make it easier for taxpayers to understand whether they are eligible.” To claim the credit, you do not need to have children. If you have children, they must meet the relationship, age and resi dency requirements to claim the credit. If you were employed for at least p art of 2004, you may be eligible for the EITC based on these general requirements: • You earned less than $12,490, did not have any qualifying children and were at least age 25 but under age 65 on Dec. 31, 2004 • You earned less than $31,338 and have one qualifying child • You earned less than $35,458 and have more than one qualifying child New this year on www.irs.gov/eitc, is the EITC Assistant. By answering questions online about yourself, your children, your living situation and your income, this tool is a convenient way for you to find out if you are likely to qualify for the EITC. You will see the results of your responses right away on your computer screen. This tool is also available in Spanish.