April 2016 edition of Rocky Creek Connection for Rocky Creek
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*All dates/events subject to change due to weather or other conditions*
2016 HOA EVENTSROCKY CREEK
SPRING – DATE TBDSaturday 3p – 10pAdult Bus Trip• 3-4FunSurpriseDestinationsaroundAustin,Interactivegames,Discountsatlocations• Inadditionwillprobablycosteachresidentabout$25-$35perseat
MAY – DATE TBD80sThrowbackParty• 80sMusic,Trivia,Sing-A-LongDance-A-Long,InteractiveGames,Entertainment&Prizes,BigScreen,Microbrew
JULY - Sat, Sun or Mon of that weekendJuly4thCelebrationMorningBicycleParade/9a-10a• WhatwedidlastyearwithbicycleparadeandJuly4thstuffDayPoolParty/1p-4p• InsidePool–DJ–Microbrew–July4thDécor–Poolgames–FoodTrucks
Your community’s banking institution is set to change fromAssociationCapitalBank(ACB)toCommunityAssociationBank(CAB)onApril15,2016.AllpaymentsmailedorpaidonlinetoACBwillprocesssuccessfullythroughtheendofApril,afterwhichtimethepaymentsmailedtoACBwillbereturnedtoyou.
Here are three ways to pay your dues: 1.Online—Youcanpayonlinebyvisitinghttps://cabpayments.
mutualofomaha.com(ifyoucurrentlyhaveautomaticpaymentssetupthroughyourcommunitywebsite,pleasestopthosepaymentsand set upnewones.Your current automatic paymentswill notcontinueafterApril2016.)2.Bill Pay–Youcanalsosetupautomaticbillpaymentsfrom
OnlinePaymentInformation:Youcanpayonlineby clickinghere.You’llneed the following
information:•ManagementCompanyID:4013•AssociationID:RC•AssociationAccountNumberlocatedonyourstatement*to request your account number please email: accounts@
southwestmanagement.net *Please note that paper statements are mailed out as a courtesy and you
can always review your account information online. Also, the “Dues and Payments” page located on the community website will list all information needed for paying your HOA Assessments.
OTHER NUMBERSBeeCaveCityHall..............................................512-767-6600BeeCaveLibrary.................................................512-767-6620MunicipalCourt.................................................512-767-6630LakeTravisPostalOffice......................................512-263-2458CityofBeeCave...................................www.beecavetexas.com
TheRockyCreekConnectionismailedmonthlytoallRockyCreekresidents.Residents,communitygroups,churches,etc.arewelcometosubmitinformationabouttheirorganizationsinthenewsletter.PersonalnewsfortheStorkReport,TeenageJobSeekers,recipes,specialcelebrations,andbirthdayannouncementsarealsowelcome. If you have an article of interest to the community pleasesubmittorockycreek@peelinc.combythe15thofthemonth.Thenewslettercanalsobeviewedonlineatwww.PEELinc.com.
The HOA is seeking volunteers!Rocky Creek Safety Provision Council:
TheSafetyProvisionCouncil is responsible for evaluating theneed, designing and implementing certain safety and/or securitycampaignsorenhancementswithinthecommunity.Thecommitteewill provide theBoardOfDirectorswith recommendation forspecificationsandscopeofservicesforsafetyandsecuritycampaignsandenhancements.Volunteermembersshallremainneutralwheninvestigatingallmeasuresandshallnotattempttoinfluenceothercommitteemembers,BODorHOAmembers.Pleasevisitwww.RockyCreekHOA.comtovolunteer!
Christopher(Chris)isanenergeticandfriendlyboywhoislookingforaforeverfamily.Heisbright,creative,andcuriousabouttheworldaroundhim.Hedoesexceptionallywellinschoolandlovestolearn.Heisespeciallyinterestedinartbutalsodoeswillinscience,math,andreading.Hehasagoodsenseofhumorandenjoystellingstories.HeenjoyselectronicssuchascomputerandDSgames.Hisfavoritegamesareonesaboutsuperheroesandaboutwildlife.Heisveryinterestedinlearningaboutanimalsandtheirhabitats.ChristopheralsolovesbuildingthingswithLegos,andaspirestosomedaybeingafootballorsoccerplayer.LearnmoreaboutChristopherandotherchildrenwaitingtobeadoptedhere:www.heartgallerytexas.com.Adopting a child from the foster care system requires little or
no cost to the adoptive family and fundingmay be available tohelp the adoptive family support the childor siblinggroup.TheHeartGallery ofCentralTexas is a programof Partnerships forChildren.Tolearnmoreabouttheadoptionorfosteringprocess,pleasecalltheHeartGalleryofCentralTexasat (512)834-3102,email [email protected] orvisitourwebsiteat www.partnershipsforchildren.org.
yearsago.ThecenterprovidesfourhoursofweeklycareforpeoplewithAlzheimer'ssothattheircaregiverscanhaveafewhoursofrespitetodowhatevertheyneedtodo.GreatHillsfollowstheguidelinesoftheAlzheimer'sAssociationCapitalofTexasChapter,andworkscloselywiththeirExecutiveVPandProgramDirectortobesurethattheirAlzheimer'srespitecentermeetsallrequiredstandards.TheGreatHillsBaptistChurchRadiant FriendsAlzheimer’sRespiteCenter is
injured.ThemissionofHOWis tohelpwoundedveterans and their familieswithnecessaryfinancialassistancetoensuretheassistanceisahand-upnotahandout.HOWisuniqueinitsabilitytorespondquicklytotheveterans’needs.“Whatastunninggroupofladies,surroundedbybeautifultablessettingsandallforaworthycausetohelpourwoundedveteransandtheircaregivers.ThankyouforbeingapartofhealingAmericanheroes,”saidRosieBabin.TolearnmoreaboutHOWgotohelpourwounded.org.NancyClaytonandAnnNeighbors,teaco-chairs,thankedeveryonefortheircontributionsto
Madagascar Periwinkle,Ornamental Peppers,MexicanZinniaorAmaranthus 'Joseph'sCoat. Plan to attract hummingbirds toyourgardenthisyearbyplantingredororangeflowers.Monarda(commonnames:beebalm,horsemint,Oswegotea,andbergamot)isagoodperennialplantthatthrivesinsunandprovidesnectarforthesesmallbirds.
PlantingBegin to plant seedlings of warm-season vegetables such as
tomatoes,peppers,andeggplants.Youcanalsostartyourpumpkinseedsnow.Sowbeets, beans, cucumbers, carrots, lettuce, sweet corn and
radishesPlantherbssuchasthyme,sage,parsley,chivesandbasilSodorsownewlawns,andoverseeddamagedolderlawnsStart planting out warm season annuals such as impatiens,
TheWalk toCureArthritisAustin is celebrating 10 years ofhelpingfindacure,raisingawarenessandsupportingthosesufferingfromarthritis.Arthritisisaserioushealthcrisis.America’snumberonecause
ofdisability,itstrikesoneineveryfiveadultsandabout300,000children—andit’sgrowing.Bytheyear2030,anestimated67millionAmericans—that’s one in four—will bediagnosedwithsomeformofarthritis.Addfamilymembersandothercaregivers,andtheimpactskyrockets.Thosewho suffer from arthritis find everyday activities like
climbingafewstairs,bathing,gettingdressedorcookingapainfulbattle.Theyareaccustomedtosayingnotosomanyofthethingsthatbring them joy.TheArthritisFoundation’spurpose is loudandclear:toconquerarthritisandbetheChampionofYesforallthosewhosufferfromit.TheWalk toCure Arthritis Austin is Saturday, April 23 at
ConcordiaUniversity.Registrationbeginsat8a.m.andthewalkwillstartat9:30a.m.Theeventwillfeatureone-mileandthree-milecoursesaswellasactivities for thewhole family, includingthefamilydog!Thisyear’swalkwillfeatureaSeniorZone,aKid
foragreatcommunityeventosupport,pleasejointhehundredsofwalkersfightingarthritis!Attendeeswillincludeourspecial10thanniversarywalkhonoreeKaylanBerrywhowastheveryfirstwalkhonoreetenyearsagowhenshewasjustsixyearsold.ThewalkwillalsorecognizechildhonoreeJacobLively,adulthonoreeJaneAyalaandmedicalhonoreeDr.HiltonGottschalk.For more information or to form a team, visit www.
walktocurearthritis.org/austin or contactHelen Ross Petty at512.800.4060.TheArthritisFoundationistheChampionofYes.Weleadthe
fightforthearthritiscommunityandhelpconquereverydaybattlesthroughlife-changinginformationandresources,accesstooptimalcare,advancementsinscienceandcommunityconnections.Ourgoalistochartawinningcourse,guidingfamiliesindevelopingpersonalized plans for living a full life—andmaking each dayanotherstridetowardsacure.Forfreearthritisinformation,visitwww.arthritis.org.
The Walk to Cure Arthritis Austin Celebrates 10 Years
512.263.9181Call today for more info
From design to print to mail,
Quality Printing can help you with
all of yourprinting needs! Or visit our website at:
Partners in Hope is a Lake Travis community ministry that connects people who desire physical,
emotional, and spiritual help with people who will help.
If you fall into either of these categories, we want to meet you!
Visit us at www.partnersinhopelaketravis.org
This summer a new and exciting opportunity for families isbeingpresentedbySpiritInTheHillsLutheranChurch.Onthreeconsecutiveevenings(June14-16)afamilycampwillbeheldfocusingontheParablesofJesusthroughstorytelling,ArtandMusic.Theeveningstartsat5:30withalightsupperandconcludesat
at the Jr. Dance Clinic on Saturday, April 16th! Perform a Dance at the Spring Show Friday,
April 29th
When: Saturday, April 16, 2016 Time: 1:00 pm - 4:00 pm (Check-in begins at 12:45 pm) Where: LTHS Annex Gyms 3 and 4 (Entrance southeast of the Performing Arts Center) Ages: Kindergarten – 5th Grade Price: $45.00 in advance ($50.00 at the door) Includes clinic, snacks, tee & performance at the Cavalette Spring Show
on April 29th
MAIL YOUR PAYMENT AND RESERVATION FORM TO: LT CAVALETTE BOOSTER CLUB
Attn: Jr. Cavalette Spring Clinic, 900 RR 620 S. Suite C101, Box 108, Lakeway, TX 78734
OR REGISTER ONLINE before noon on April 15th at https://cavalettespringclinic2016.eventbrite.com
If you have any questions, please contact Abigail Payne at [email protected] -‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐ Child’s Name: Grade: Campus: Parent’s/Guardian’s Name: Address: Phone: Email: Medical Release: I hereby give permission for the adult sponsors of this event to seek emergency medical attention for my child. I understand that every effort will be made to contact me before seeking medical attention. ***Please list any severe food allergies your child has: (Staff cannot administer medications. In the event of a severe allergic reaction, certified personnel will assist with the child’s prescribed EPI auto injector.) Physician’s Name: Phone: Parent’s Signature: Date: Tee Shirt Size for Dancer: ____YS ____YM ____ YL ____ AS ____AM ____ AL Would you like to Pre-Order a Junior Dance bouquet for your dancer the night of Spring Show? $10 (payable at Clinic) ____Yes ____ No Will your child be performing at the Spring Show on Friday, April 29th? ____ Yes ____ No
Come have fun with the CAVALETTES
at the Jr. Dance Clinic on Saturday, April 16th! Perform a Dance at the Spring Show Friday,
April 29th
When: Saturday, April 16, 2016 Time: 1:00 pm - 4:00 pm (Check-in begins at 12:45 pm) Where: LTHS Annex Gyms 3 and 4 (Entrance southeast of the Performing Arts Center) Ages: Kindergarten – 5th Grade Price: $45.00 in advance ($50.00 at the door) Includes clinic, snacks, tee & performance at the Cavalette Spring Show
on April 29th
MAIL YOUR PAYMENT AND RESERVATION FORM TO: LT CAVALETTE BOOSTER CLUB
Attn: Jr. Cavalette Spring Clinic, 900 RR 620 S. Suite C101, Box 108, Lakeway, TX 78734
OR REGISTER ONLINE before noon on April 15th at https://cavalettespringclinic2016.eventbrite.com
If you have any questions, please contact Abigail Payne at [email protected] -‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐ Child’s Name: Grade: Campus: Parent’s/Guardian’s Name: Address: Phone: Email: Medical Release: I hereby give permission for the adult sponsors of this event to seek emergency medical attention for my child. I understand that every effort will be made to contact me before seeking medical attention. ***Please list any severe food allergies your child has: (Staff cannot administer medications. In the event of a severe allergic reaction, certified personnel will assist with the child’s prescribed EPI auto injector.) Physician’s Name: Phone: Parent’s Signature: Date: Tee Shirt Size for Dancer: ____YS ____YM ____ YL ____ AS ____AM ____ AL Would you like to Pre-Order a Junior Dance bouquet for your dancer the night of Spring Show? $10 (payable at Clinic) ____Yes ____ No Will your child be performing at the Spring Show on Friday, April 29th? ____ Yes ____ No
Come have fun with the CAVALETTES
at the Jr. Dance Clinic on Saturday, April 16th! Perform a Dance at the Spring Show Friday,
April 29th
When: Saturday, April 16, 2016 Time: 1:00 pm - 4:00 pm (Check-in begins at 12:45 pm) Where: LTHS Annex Gyms 3 and 4 (Entrance southeast of the Performing Arts Center) Ages: Kindergarten – 5th Grade Price: $45.00 in advance ($50.00 at the door) Includes clinic, snacks, tee & performance at the Cavalette Spring Show
on April 29th
MAIL YOUR PAYMENT AND RESERVATION FORM TO: LT CAVALETTE BOOSTER CLUB
Attn: Jr. Cavalette Spring Clinic, 900 RR 620 S. Suite C101, Box 108, Lakeway, TX 78734
OR REGISTER ONLINE before noon on April 15th at https://cavalettespringclinic2016.eventbrite.com
If you have any questions, please contact Abigail Payne at [email protected] -‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐-‐ Child’s Name: Grade: Campus: Parent’s/Guardian’s Name: Address: Phone: Email: Medical Release: I hereby give permission for the adult sponsors of this event to seek emergency medical attention for my child. I understand that every effort will be made to contact me before seeking medical attention. ***Please list any severe food allergies your child has: (Staff cannot administer medications. In the event of a severe allergic reaction, certified personnel will assist with the child’s prescribed EPI auto injector.) Physician’s Name: Phone: Parent’s Signature: Date: Tee Shirt Size for Dancer: ____YS ____YM ____ YL ____ AS ____AM ____ AL Would you like to Pre-Order a Junior Dance bouquet for your dancer the night of Spring Show? $10 (payable at Clinic) ____Yes ____ No Will your child be performing at the Spring Show on Friday, April 29th? ____ Yes ____ No
“Buy Low, Sell High”… Sounds so easy doesn’t it. For years I have heard this mantra repeated time and time again. Everyone has.
From beginner investors to the famous gurus, everyone knows this is the basic idea behind successful investing. So here’s the question…..if everybody knows this simple rule, why is it so hard to implement?
I would argue that psychology plays an enormous role in differentiating brilliant investors from the rest of the herd. Sir John Templeton expressed this best when he said, “To buy when others are despondently selling and sell when others are euphorically buying takes the greatest courage, but provides the greatest profit.”
Having the opportunity to “buy low” is generally surrounded by some sort of negative circumstances. Superior investors are able to assess the environment surround a set of negative circumstances and determine there is value in purchases a depressed asset. An example of this would be a real estate investor who purchases a suite of foreclosed homes back in 2008 and waited for the market to recover.
Most people have the tendency to buy when everyone else is buying and sell when everyone else is selling. This is not always the best approach when you have a desire to outperform the marketplace over time with reduced risk.
“From time to time we see rabid buyers or terrified sellers; urgency to get in or get out; overheated markets or ice-cold markets; and prices unsustainably high or ridiculously low.” – Howard Marks
By following the emotional tendencies of the marketplace, you are almost guaranteed to have less than stellar results. In order to succeed in the midst of emotional markets requires skepticism mixed with a balance of pessimism and optimisim.
When you see a trend in an investment, you often should be a bit skeptical of the direction it is taking. If the asset seems to be valued higher than you would prefer to pay for it, then skepticism mixed with pessimism that others are buying for the wrong reasons. If the asset seems undervalued, then skepticism that people are making a wrong judgement would require a mix of optimism that you believe the price will recover.
Investment success requires being comfortable in the uncomfortable scenario that your investment decisions vary from popular opinion. This is what I call comfortably uncomfortable investing. In order to implement this concept in light of “buy low, sell high”, you have to buy when everyone else is selling (and the price is thus low) or you’re selling when everyone else is buying (and the price is high). This can be a very lonely strategy at times, but look at the Warren Buffett’s of the world and you will see that it is often lonely at the top.
If you would like to get a different perspective on your current portfolio or investment plan, feel free to contact us at [email protected] and we can setup a time to visit over a cup of coffee.