Smart Tips
to Protect & Grow your Assets
May, 2012 - Issue #91
Defend what You have by Growing It
An old cliche we all remember is this: "The best defense is offense."

The logical conclusion to this, then, is that when it comes to defending your assets, the best way to help preserve them is to have them grow. To do so, however, you have to understand what constitutes a successful investment and how you can take advantage of opportunities.

The key ingredients to successful investing are time and discipline. The best results are usually achieved over time and discipline requires a commitment to stay focused on the ultimate objective.

Follow these simple rules:
Have Realistic Expectations
In the world of investments, building wealth takes patience and discipline.

Have Clear Investment Objectives
Formulation of specific goals is key to any successful investment program.

Understand Investing
Just as it is important to have goals to guide your investment strategy, so too must you understand what each of your investments represents.

Adjust to Changing Market Conditions
Just as an investor's objectives can change over time, so too can the economies, products and markets that drive the financial services industry.

Recognize the Time Value of Money
You should always have a fundamental understanding of the worth of certain investments - especially those in which interest earned is compounded over time.
Janelle M. Koester is a financial advisor with The Shipper / Koester Group of Wells Fargo Advisors, LLC, Member SIPC 818-226-1480

Choose the Right Partner
When Mission Valley Bank first opened its doors in 2001 it was with the vision of creating a strong business bank that was more about the organization's clients and community - and less about the bank.

Over the past 10 years they have successfully brought together a team of smart, creative bankers who are dedicated to earning the role of a "Trusted Advisor" to each of their clients. They are Relationship Bankers, meaning that they strive to get to know and understand their clients' needs and financial goals. They don't simply provide loans, accounts and services - but offer real solutions to assist their clients in making their financial dreams come true.

Mission Valley Bank is a full service bank with specialists eager to assist with everything from accounts receivable financing to insurance and investment services.

Your Job is the Best Asset of All
Without a good job, most working Americans would be hard pressed to provide a better life for themselves and their families. Protect the job you have - or get a better one - by improving your computer skills. Technology is always changing; increase your competitiveness in the job market by obtaining up-to-date skill sets that make you a more desired employee.

Santa Clarita Technology and Career Development Center offers small and affordable classes using the newest software. They hold three-hour mini classes, along with full-day sessions. There are multi-class, private, group and senior class opportunities designed to fill your unique needs. Santa Clarita Technology and Career Development Center is focused on providing high-quality service and customer satisfaction. 287-3599 or 467-1850
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