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Copyright © 2010 Peel, Inc. Davenport Ranch Neighborhood Association - April 2010 1

Davenport Ranch

Volume 6, Number 4 April 2010Davenport Ranch Neighborhood Association www.DavenportRanch.org

NEIGHBORHOOD NEWSLETTER

(Continued on Page 3)

SAVE THE DATE – April 10!

A very special event, “A Day to Shine”, will be presented in Austin, Texas on April 10, 2010 at the Austin Country Club to benefit loveisrespect, National Teen Dating Abuse Helpline. The event will include a daytime fashion show, featuring local high school students and an evening dinner and fashion show, with student and local celebrity models. The purpose is to increase awareness of this issue and the resources available to address it, as well as to raise funds to support the loveisrespect, National Teen Dating Abuse Helpline. Details are as follows:

A DAy To SHinE DESSErT AnD FASHion SHow - 2:00pm

Austin Country Club (Doors Open at 1:30 pm)Master of Ceremonies: Olga Campos, Daybreak/

Midday News Anchor KVUEGuest Speaker: Judge Jeanine Pirro from The Judge

Jeanine Pirro Show (CW Network)Tickets: $25.00 per individual reservation

Prom Raffle Items!

A Day to Shine Evening Dinner and Fashion Show - 6:30pm – Austin Country Club Masters of Ceremonies: Robert Hadlock, Leslie Rhode, Evening News Anchors KXAN Guest Speaker: Judge Jeanine Pirro from The Judge Jeanine Pirro Show (CW Network) Tickets: Sponsorships available or $100.00 per individual reservation Entertainment and Live Auction!

Stay tuned for more information on other guest speakers and local celebrities participating in the evening fashion show. Visit www.loveisrespect.org to buy your tickets to this special event!

13 THinGS A Burglar Won’t Tell You:

1. Of course I look familiar. I was here just last week cleaning your carpets, painting your shutters, or delivering your new refrigerator.

2. Hey, thanks for letting me use the bathroom when I was working in your yard last week. While I was in there, I unlatched the back window to make my return a little easier.

3. Love those flowers. That tells me you have taste ... and taste means there are nice things inside. Those yard toys your kids leave out always make me wonder what type of gaming system they have.

4.. Yes, I really do look for newspapers piled up on the driveway. And I might leave a pizza flyer in your front door to see how long it takes you to remove it.

5. If it snows while you’re out of town, get a neighbor to create car and foot tracks into the house. Virgin drifts in the driveway are a dead giveaway.

6. If decorative glass is part of your front entrance, don’t let your alarm company install the control pad where I can see if it’s set. That makes it too easy.

7. A good security company alarms the window over the sink. And the windows on the second floor, which often access the master bedroom and your jewelry. It’s not a bad idea to put motion detectors up there too.

8. It’s raining, you’re fumbling with your umbrella, and you forget to lock your door-understandable . But understand this: I don’t take a day off because of bad weather.

9. I always knock first. If you answer, I’ll ask for directions somewhere or offer to clean your gutters. (Don’t take me up on it.)

10. Do you really think I won’t look in your sock drawer? I always check dresser drawers, the bedside table, and the medicine cabinet.

11. Helpful hint: I almost never go into kids’ rooms.12. You’re right: I won’t have enough time to break into that safe where

2 Davenport Ranch Neighborhood Association Newsletter - April 2010 Copyright © 2010 Peel, Inc.

Davenport Ranch

imporTAnT numbErSDAVENPORT - CENTRAL WEST DISTRICT OF POLICE DEPT

nEw bAkEr 4 Dr SEnior pATrol oFFicEr Darrell Grayson ......................................... 512-947-5242 .........................................Darrell.Grayson@ci.austin.tx.us

EmErGEnGyPolice and Fire Emergencies ......................................... 9-1-1Reports/Non-Emergencies ...............................................311

HoSpiTAlSSouth Austin Hospital (10 miles) ................... 512-447-2211 901 W. Ben White BlvdBrackenridge hospital ..................................... 512-324-7000 601 15th StreetSeton Hospital (10.5 miles) ............................ 512-324-1000 corner of 35th and Medical Pkwy - best choice for serious problemsChildren's Hospital of Austin (13 miles) ........ 512-324-8000 I-35 and 15thSeton Northwest (10 miles) ............................ 512-324-6000 11113 Research (183 N just past Braker)North Austin Hospital (8.5 miles) .................. 512-901-1000 Mopac and ParmerHeart Hospital .............................................. 512-407-7000 3801 N. LamarUrgent Care day and after hours:Austin Regional Clinic – FarWest ................... 512-346-6611 6835 Austin Center BlvdPoison Control ............................................1-800-222-1222

AnimAl conTrolEnvirocare Pest Control .................................. 512-416-9191 Animal Pick up (dead animals) ..............................494-9400Animal Control (pick up stray or injured) ..............972-6060Barking Dog ...................................................................311

uTiliTiESAustin Energy Customer Service .................... 512-494-9400Austin Water Utility ....................................... 512-494-9400Texas Gas Service Customer Service ............... 800-700-2443Time Warner Cable Customer Service ............ 512-485-5555 Phone Payments.......................................... 512-485-6500SBC 24-hr Info Line: ..................................1-888-294-8433 Residential Phone Ordering: ....................1-800-464-7928 Residential Phone Repair: ........................1-800-246-8464

miScEllAnEouSGoodwin Management, Inc........................... 512- 502-7517Abandoned Cars .....................................................280-0075Airport- A.B.I.A. Flight Info. ................................530-2242Garbage Collection ................................................494-9400Lost mailbox key, Jim Howe; [email protected] .....844-4222Streetlight Problem ................................................505-7617Street Signs: Bridge & Street, Sam West .................974-8775Street Sign Replacement .........................................457-4885Hazardous Waste ...................................................974-4343

2010 DAVEnporT boArDPresident: Meredith Landry [email protected] Presidents: Matt Matthews [email protected] Scott Rhodes [email protected] Nancy Utkov, Architectural Review [email protected] Nila Williams ...................................nila@ameliabullock.comTreasurer: Don Neville .................................. [email protected]: Joe Thrash, Architectural Review [email protected] Manager Earline Wakefield .............. [email protected]

mAnAGEmEnT inFormATionGoodwin Management, Inc

11149 Research, Suite 100 • Austin,Texas 78759-5227Office 512 502-7526 • Cell: 512 470-5104 • Fax: 512 346-4873

nEwSlETTEr publiSHErPeel, Inc. ........................................................... 512-263-9181Adv./Kelly Peel .................................................. 512-263-9181

Advertise Your Business Here

888-687-6444

Davenport RanchStork Report

Congratulations!Let us help celebrate...email info on the arrivalof your little one [email protected].

Copyright © 2010 Peel, Inc. Davenport Ranch Neighborhood Association - April 2010 �

Davenport Ranch13 Things - (Continued from Cover Page)


“I’m in your neighborhood and want to be your dentist”

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you keep your valuables. But if it’s not bolted down, I’ll take it with me.

13. A loud TV or radio can be a better deterrent than the best alarm system. If you’re reluctant to leave your TV on while you’re out of town, you can buy a $35 device that works on a timer and simulates the flickering glow of a real television. (Find it atfaketv.com.)

8 morE THinGS A Burglar Won’t Tell You:

1. Sometimes, I carry a clipboard. Sometimes, I dress like a lawn guy and carry a rake. I do my best to never, ever look like a crook.

2. The two things I hate most: loud dogs and nosy neighbors.3. I’ll break a window to get in, even if it makes a little noise. If your neighbor hears one loud

sound, he’ll stop what he’s doing and wait to hear it again. If he doesn’t hear it again, he’ll just go back to what he was doing. It’s human nature.

4. I’m not complaining, but why would you pay all that money for a fancy alarm system and leave your house without setting it?

5. I love looking in your windows. I’m looking for signs that you’re home, and for flat screen TVs or gaming systems I’d like. I’ll drive or walk through your neighborhood at night, before you close the blinds, just to pick my targets.

6. Avoid announcing your vacation on your Facebook page. It’s easier than you think to look up your address.

7. To you, leaving that window open just a crack during the day is a way to let in a little fresh air. To me, it’s an invitation.

8. If you don’t answer when I knock, I try the door. Occasionally, I hit the jackpot and walk right in.

Sources: Convicted burglars in North Carolina, Oregon, California, and Kentucky; security consultant Chris McGoey, who runs crimedoctor. com; and Richard T. Wright, a criminology professor at the University of Missouri-St. Louis, who interviewed 105 burglars for his book Burglars on the Job.

proTEcTion For you

And Your HomeIf you don’t have a gun, here’s a more

humane way to wreck someone’s evil plans for you. I guess I can get rid of the baseball bat.

� Davenport Ranch Neighborhood Association Newsletter - April 2010 Copyright © 2010 Peel, Inc.

Davenport Ranch

Davenport Needs You!!

Call 311 if you see suspicious activity, 911 for emergency

13 Things - (Continued from Page 3)

512-263-9181 • www.PEELinc.com

Peel, Inc.Printing & PublishingPublishing Community Newsletters Since 1991

Advertise your businessto your neighbors.

Support Your Neighborhood

Newsletter.Leslie Chambliss

Sales Representative512-656-1170

[email protected]

wasp SprayA friend who is a receptionist in a church in a high risk area was concerned about someone

coming into the office on Monday to rob them when they were counting the collection. She asked the local police department about using pepper spray and they recommended to her that she get a can of wasp spray instead.

The wasp spray, they told her, can shoot up to twenty feet away and is a lot more accurate, while with the pepper spray, they have to get too close to you and could overpower you. The wasp spray temporarily blinds an attacker until they get to the hospital for an antidote. She keeps a can on her desk in the office and it doesn’t attract attention from people like a can of pepper spray would. She also keeps one nearby at home for home protection.. . Thought this was interesting and might be of use.

wasp And Hornet Spray

On the heels of a break in and beating that left an elderly woman in Toledo dead, self defense experts have a tip that could save your life Val Glinka teaches self-defense to students at Sylvania Southview High School. For decades, he’s suggested putting a can of wasp and hornet spray near your door or bed. Glinka says, “This is better than anything I can teach them.”

Glinka considers it inexpensive, easy to find, and more effective than mace or pepper spray.. The cans typically shoot 20 to 30 feet; so if someone tries to break into your home, Glinka says, “spray the culprit in the eyes”. It’s a tip he’s given to students for decades. It’s also one he wants everyone to hear. If you’re looking for protection, Glinka says look to the spray. “That’s going to give you a chance to call the police; maybe get out.” Maybe even save a life.

Please share this with all the people in your life. Have a Wonderful Day!

Shari AndersonAdmin Assistant C/W and DTAC District Representatives WK: 974-5340 or 974-3822

ATTEnTion New Homeowners

In Davenport:Did you know we have a website

that you can access with important neighborhood information?

Did you know all neighbors are listed in the membership directory on the website?

Did you know we use the administrative emails to contact you about neighborhood alerts, activities happening in the neighborhood, voting on issues affecting everyone in the neighborhood?

Without your contact information we do not know you are here to welcome!

Please contact Brad Weatherford at [email protected] with your name, address, phone #’s and email addresses so we can get you in the loop. Hope to hear from you soon!!


Davenport Ranch


Davenport Ranch

WATER SAFTEY WALKSunday April 25th - Austin, Texas

LEARN MORE & VOLUNTEER AT:

WWW.COLINSHOPE.ORG

drowning is preventabledrowning is preventable

Do you wAnT To Go GrEEn?Is there anyone in our area (or knows someone

nearby) who works toward Pflugerville or Round Rock that might be willing to share a ride? If so, can I commute to/from work with you? I live on Bunny Run (Davenport West) and will share all gas/car expenses. Save $$ and GO GREEN.

Please reply (or call) to discuss any potential possibilities/details,

Sandy SimkoHome: 328-2950, [email protected]: 239-5733

NOMINATE YOuR FAVORITE YARD FOR

Yard Of The Month Do you know a neighbor who takes excellent care of their property or a neighbor who has added something new to their yard? Nominate them by emailing the address to [email protected]. Please include a photo if possible.

Congrats Neighbor!


Davenport Ranch

*AnnuAl PercentAge rAte. All rAtes Are exPressed “As low As”. ActuAl rAte mAy vAry dePending on credit quAlificAtions. **Austin telco will PAy All stAndArd closing costs on Home equity loAns below $100k. AdditionAl non-stAndArd fees will be tHe resPonsibility of tHe member. ***rAte APPlies to 1st lien commerciAl reAl

HOME EQUITY LOANS

5.09%*10 yeAr fixed

5.39%*15 yeAr fixed

5.89%*20 yeAr fixed

Plus no closing costs**

AUTO LOANS

2.75%*24 MONTHS

2.95%*36 MONTHS

3.05%*48 MONTHS

new veHicle

COMM. REAL ESTATE LOANS

5.49%***5 yeAr fixed



20 yr. AmortiZAtion/no Pre-Pmt. PenAlty

MONEY MARKET ACCOUNT

1.06%****$25,000 to $74,999

1.16%****$75,000 to $124,999

1.36%****$125,000 And Above

minimum dAily bAlAnce of $2,000 required

JUMBO CERTIFICATE OF DEPOSIT

1.36%****6 montHs

1.61%****12 montHs

2.07%****24 montHs

minimum dePosit of $95,000 required

estAte loAns witH A loAn to vAlue of 80% or less; construction/develoPment loAn rAtes/terms mAy be different. no Pre-PAyment PenAlty. ****AnnuAl PercentAge yield. PenAlties for eArly witHdrAwAl mAy APPly. All APr’s, APy’s And terms Are subject to cHAnge witHout notice. PleAse cAll for detAils. tHis credit union is federAlly insured to At leAst $250,000 Per member by tHe nAtionAl credit union AdministrAtion.

3.15%*60 MONTHS

3.25%*66 MONTHS

3.95%*72 MONTHS

3.45%*60 to 66 MONTHS

3.95%*72 MONTHS

used or refinAnce

REFINANCE YOUR EXISTING AUTO LOAN WITH AUSTIN TELCO

we HAve some of tHelowest new veHiclerAtes in tHe country

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pArkinG on STrEETSThere continues to be a problem with vehicles parked on the cul

d sacs impeding trash pickup . Please be respectful and park off the street on trash day (FRIDAY)

Please be considerate of your neighbors and inform them when you are having a party and tell your guests to not park immediately behind a driveway so that it is difficult for your neighbors to exit their driveway. No cars can ever be parked on a street for greater than 72 hours and cannot impede emergency vehicles, mail or trash delivery.

AT NO TIME MAY BOATS BE PARKED ON THE STREETS.

wHAT iS HAppEninG on Far Gallant?

Many of you may have noticed large bulldozers in the greenbelt behind the Bold Ruler houses off Far Gallant.

The city is relocating a city main water line that was covered by a house when it was built. The association has no financial responsibilities in this project. The project should be completed in 2-3 months and the area restored. Questions : contact Earline Wakefield ,our property manger.

lookinG For bunko plAyErS

Davenport ladies, would you like an occasional night out? Why not be a substitute for our bunko group? We play once a month (usually the first Friday night of the month) at a member’s home here in Davenport and are always looking for substitutes to join us. If you are interested in going on our sub list or need more information, please send me your email and phone contact information (Kaye Kelley [email protected].) When a regular member can’t make it, they’ll give you a call to see if you’re available. This doesn’t obligate you to play and, as a sub, you’ll never have to host! It’s also a nice way to meet your neighbors.


Davenport Ranch

Bring this ad and receive 5% off total purchase

20% off any 6 bottles of wine*Sale prices good Monday through Saturday*Discount does not apply to wines already on sale

We match any advertised wine specials –just bring us a copy of the ad

Free WineTastingsFridays 5 until 8 pm | Saturdays 2 until 5 pm

For MORE reduced wine prices visit our website www.davenportwinespirits.com

White/Sparkling WinesFar Niente Chardonnay.................................... Was $59.99............ Now $44.99Taittinger Champagne..................................... Was $54.99............ Now $36.99Rombauer Chardonnay.................................... Was $39.99............ Now $30.99J Sparkling Cuvee............................................ Was $32.99............ Now $20.99Sonoma Cutrer Russian River Chard ............... Was $26.99............ Now $20.99Cuvaison Chardonnay ..................................... Was $26.99............ Now $18.99Santa Margherita Pinot Grigio......................... Was $26.99............ Now $18.99Mumm Napa Cuvee ......................................... Was $24.99............ Now $17.99La Crema Chardonnay..................................... Was $21.99............ Now $14.99Kim Crawford Sauvignon Blanc....................... Was $18.99............ Now $14.99Clos du Bois Russian River ............................. Was $12.99............ Now $12.99Merryvale Chardonnay..................................... Was $20.99............ Now $12.99Simi Chardonnay............................................. Was $16.99............ Now $12.99Oyster Bay Sauv Blanc .................................... Was $15.99............ Now $12.99Kendall Jackson Chardonnay........................... Was $14.99............ Now $11.99Rodney Strong Chardonnay ............................. Was $19.99............ Now $10.99Chateau St. Jean Chardonnay ......................... Was $14.99............ Now $10.99Simi Sauvignon Blanc ..................................... Was $14.99............ Now $10.99Edna Valley Chardonnay.................................. Was $13.99.............. Now $9.99Murphy Goode Sauvignon Blanc ...................... Was $12.99.............. Now $9.99

Red WinesFar Niente Cabernet Sauvignon....................... Was $132.99 .......... Now $99.99Silver Oak Napa Cab Sauv............................... Was $100.99 .......... Now $84.99Silver Oak Alexander Cab Sauv........................ Was $70.99............ Now $54.99Joseph Phelps Cabernet Sauvignon................. Was $59.99............ Now $44.99Flowers Pinot Noir............................................ Was $54.99............ Now $39.99Stags Leap Merlot ........................................... Was $42.99............ Now $29.99Mt. Veeder Cab................................................ Was $40.99............ Now $26.99Ferrari-Carano Cab Sauv................................. Was $36.99............ Now $22.99Ferrari-Carano Merlot...................................... Was $32.99............ Now $19.99Franciscan Cabernet ....................................... Was $26.99............ Now $18.99Franciscan Merlot............................................ Was $26.99............ Now $16.99Sterling Napa Cab / Merlot.............................. Was $23.99............ Now $16.99Simi Cabernet ................................................. Was $24.99............ Now $16.99La Crema Pinot Noir ........................................ Was $22.99........... Now $16.99Markham Merlot .............................................. Was $22.99............Now $16.99Simi Merlot...................................................... Was $24.99............ Now $14.99Twenty Bench Cabernet Sauv .......................... Was $20.99............ Now $14.99Rodney Strong Cabernet / Merlot..................... Was $19.99............ Now $12.99Dynamite Cabernet ......................................... Was $19.99............ Now $12.997 Deadly Zins Zinfandel .................................. Was $18.99............ Now $12.99Estancia Cabernet Sauvignon ......................... Was $18.99............ Now $12.99Louis Martini Cabernet Sauv ........................... Was $18.99............ Now $12.99Cline Ancient Vines Zinfandel ......................... Was $18.99............ Now $10.99Avalon Cabernet Sauvignon ............................ Was $18.99............ Now $10.99J Lohr Cabernet / Merlot .................................. Was $18.99............ Now $10.99Dynamite Merlot .............................................. Was $19.99............ Now $10.99Chateau St. Jean Cabernet / Merlot................. Was $18.99............ Now $10.99337 Cabernet Sauvignon................................. Was $15.99............ Now $10.99Estancia Merlot ............................................... Was $14.99............ Now $10.99Gascon Malbec................................................ Was $14.99............ Now $10.99Liberty School Cab........................................... Was $13.99.............. Now $9.99

Davenport Village CenterCorner of Westlake Dr. and Loop 360512.732.2900www.davenportwinespirits.com

We support Austin non-profit organizations including:Austin Children’s Shelter | Juvenile Diabetes Foundation | Susan G. Komen Breast Cancer Foundation


Davenport Ranch

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Business ClassifiedsCOMFORTER SPECIAL! Just in time for spring cleaning. Have every comforter in your home professionally washed for only $13.99 (down for $19.99). Convenient Oak Hill location. Open Daily from 7 a.m. to 9 p.m. Visit www.washdaylaundry.com or call (512) 906-2760 to learn about our other services.

Austin newcomers club April Luncheon

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 of the varied fun Interest groups.

TIME: 11:00 AM Social - 12 Noon LuncheonDATE: April 21, 2010

(Reservations required by Thursday, April 15th)LOCATION: Green Pastures Restaurant

811 W Live Oak Street, Austin, 78704LuNCHEON COST: $20 per person

For Luncheon Reservations email: [email protected]

or contact Marilyn Amey, 473-0118 For other Newcomers information visit

www.austinnewcomers.com or call 512-314-5100APRIL PROGRAM: Jed Cecil - Art of Whistling

Centuries ago, when an orchestra was short an instrument, they called in a trained whistler to whistle the part of that instrument. That art of whistling is seeing a revival, and we will have with us, Jed Ceci such a trained whistler. He’ll tell us stories about whistling, and as he said, he’ll whistle for his lunch. What a fascinating program this will be! Jed began to study piano at age four, viola at eleven, orchestral conducting at fifteen, and went on to study at the Juilliard School. There followed a “long and winding road encompassing diverse careers,” one as Executive Director of the Abilene Philharmonic Orchestra. His performances have included Nashville’s “Woman’s Musicale,” and the BACHanalia Festival for the last five years. The Cape Cod Repertory Theater has used Jed’s recordings. In March, Jed will be back in Nashville, performing with the Nashville Symphony Orchestra. He made his “Austin art whistling debut” at the University of Texas Lamp program last year. This will be such an unusual and delightful program. Please join us!

NOT AVAILABLEONLINE


Davenport Ranch

CUSTOM HOME &

FURNITURE DESIGN, INC.RICK INGRAM

TRCC 23724

Mob: 806-773-3396Home: 806-385-5531 [email protected]

SERVING THE LITTLEFIELD AREA SINCE 1925

P.O. BOX 910 • 503 EAST 5TH ST. • L

ITTLEFIELD, TEXAS 79339

FUNERAL HOME, INC.

PAY AND SAVE, INC.1804 HALL AVENUE

LITTLEFIELD, TX 79339

FinAnciAl FocuSPut Your Tax Refund to Work

It’s Tax Refund Season again. This year, if you’re going to get a check from your Uncle Sam, why not put it to work to help you meet your financial goals?

Last year, the average tax refund was more than $2,700, according to the IRS. The size of your refund, or whether you will get one at all, depends on your individual circumstances. But if you are going to get a refund, plan ahead for what you’ll do with it. Here are a few possibilities:

• pAy Down SomE DEbTS. In these difficult economic times, you may be carrying a higher debt load than usual. If so, you may want to use some of your refund to pay down some of these debts. The lower your debt payments, the better your cash flow and the more money you’ll have to invest for the future.

• builD An EmErGEncy FunD. If you don’t already have an emergency fund containing six to 12 months’ worth of living expenses, you could use your tax refund to start one. Without such a fund, you may find yourself constantly dipping into your long-term investments to pay for unexpected costs, such as a new furnace or an expensive car repair. Keep your emergency fund in

a liquid account — one that you don’t draw on for your day-to-day expenses.

• HElp FunD your irA. In 2010, you can put in up to $5,000 to your IRA. Consequently, if you received a $2,700 refund, you’d have more than half of what you need to fully fund your IRA for the year. (If you’re 50 or older, however, you can contribute up to $6,000 per year.)

You might not think that your $2,700 would make much of a difference in the long run. But by investing your refund and giving it many years of growth potential, you could end up with a sizable amount. Consider the following:

• If you put $2,700 in your IRA, and you earned, on average, seven percent a year for 30 years, you’d end up with about $20,000, even if you never invested another dime.

• If you put $2,700 every year in that same IRA, again earning an average seven percent annual return, you’d end up with more than $270,000 after thirty years.


Copyright © 2010 Peel, Inc. Davenport Ranch Neighborhood Association - April 2010 11

Davenport RanchAt no time will any source be allowed to use the Davenport Ranch 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 Davenport Ranch Homeowners Association and Peel Inc. The information in the Davenport Ranch Newsletter is exclusively for the private use of Davenport Ranch 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.

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Financial Focus- (Continued from Page 10)

(These examples are hypothetical illustrations and do not represent any currently available investments.)

You’d eventually have to pay taxes on your earnings, typically when you make withdrawals at retirement. And if you qualified for a Roth IRA, you’d never have to pay taxes on your earnings, as long as you had your account for at least five years and didn’t start taking withdrawals until you were at least 59-1/2.

• conTribuTE To A SEcTion 529 plAn. If you have children or grandchildren, you may want to establish Section 529 plans to help them pay for college. You can contribute virtually any amount, and the earnings grow tax-free, provided the money is used for higher education expenses. (Withdrawals used for expenses other than qualified education expenses may be subject to federal, state and penalty taxes. Contributions are tax-deductible in certain states for residents who participate in their own state’s plan. Please note that a 529 college savings plan could impact a beneficiary’s ability to qualify for financial aid.)

You may be tempted to spend your tax refund on things you want today — but, with a little planning, you can use it for things you need tomorrow.


Davenport Ranch

Let’s Make it Happen

®REALTOR

aving lived in Davenport Ranch for 17 years, Liz understands what makes this such a great place to live. It’s where she raised her family and created many great memories,

but her connection as a real estate professional runs even deeper. Liz has worked directly with the developers and is proud to have been an integral part of helping this incredible community become what it is today. She’s been President of the Neighborhood Association and served on the Board for an additional three years.

Quite simply, Liz knows these homes and neighborhoods like the back of her hand and she uses this in-depth knowledge and expertise to help others make the most of their opportunities in Davenport Ranch. For your next home purchase or sale here, turn to the resident expert. Call Liz Newell today and Let’s Make it Happen! When you call, be sure to ask for a complimentary copy of her special report “7 Insider Secrets On Showcasing Your Home for a Successful Sale.”

Peel, Inc.311 Ranch Road 620 S. Ste 200Lakeway, TX 78734-4775www.PEELinc.com

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