Volume 5, Issue 7
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INSIDE Are you cutting costs too much? Underspending can be as hazardous as wasting money. National small business leader Brian Moran offers five tips to find the right budget for your business PAGE 5
Business owners get together and swap stories at DEMA’s mixer PAGE 10
Local prep school The Grauer School hosts the Chamber’s June Sundowner. Encinitas First brings the full story and pictures from the event PAGE 7
The Film Scholarship Association presents its Robert T. Nanninga scholarship award, commemorating the late Encinitas business owner, to a first-time filmmaker for her project on the origins of global warming PAGE 3
Big business may be struggling these days, but some small businesses tailored to niches are finding their ecnomony growing PAGE 6
Quail Gardens opens its new children’s garden — complete with tree house — for families to enjoy together PAGE 12
The new Encinitas fire station didn’t do a traditional ribbon-cutting — instead, Mayor Maggie Houlihan, Fire Chief Mark Muir and others turned out for the station’s “hosedecoupling’ PAGE 5
Chamber heaps praise on teachers ENCINITAS — Rancho Santa Fe Security Systems, Inc. hosted the chamber’s annual Salute to Education to honor local students and teachers June 9. A large crowd of school administrators, teachers, students and their families gathered to celebrate the academic and professional achievements of Encinitas’ finest. Denise Mueller, of Rancho Santa Fe Security Systems, Inc., served as emcee of the event. As she has done for many years, Muller said she enjoyed watching the students and teachers recognized for their educational excellence. This year 16 students and 17 teachers were selected from schools, both public and private, in the area. Muller introduced each recipient while they made their way through a long receiving line of school, district and city officials as well as Chamber of Commerce representatives. Among the teacher standouts was Lance Gomez. Gomez, Capri Elementary school’s Teacher of the Year, won praise for
Parkdale Lane Teacher of the Year Doug Rierdan admires the plaque given to him by Encinitas Mayor Maggie Houlihan and Superintendent of Encinitas Union School District Dr. Lean King. In the background, Denise Mueller of Rancho Santa Fe Security Systems reads names of awardees. Photo by Dan Knighton
appealing to students and colleagues. He was described as a “dedicated and caring teacher who inspires children, connects with families and always makes time to
share his successful strategies with his colleagues.” Gomez also won the 2009 Teachers are Heroes Award from 94.9 FM and the San Diego County Office of Education for integrating
Service Learning into instruction. Gomez’s second grade class runs a popcorn company, which pops and sells popcorn after school each week and uses the proceeds
to make a difference for children around the world. Children learn math, social studies, and leadership, while developing strong ❚
see Teachers on 9
Classic cars cruise through downtown Encinitas ENCINITAS — The thumping beat of the bass and riveting guitar sounds joined the revving of classic car engines to usher in the summer solstice in downtown Encinitas. Hundreds of people took advantage of the long sunlight hours to enjoy the Downtown Encinitas MainStreet Association’s 11th annual Classic Car Cruise Nights on June 18. The first of four in the summer series was sponsored by Charlie’s Foreign Car Auto Service. The event’s host, the North Coast Vettes Car Club, prominently displayed Corvettes from various eras and classics along South Coast Highway 101. “This takes me way Joe Hermosillo shows his daughter, Olivia, 12, what makes the classic Shelby GT 350 a musback,” said Escondido resicle car. The Escondido residents attended the Classic Car Cruise Nights June 18 in downdent Sam Loughford. “They town Encinitas. Courtesy photo
879 Second St., Encinitas, California 92024
PRSRT STD U.S. POSTAGE PAID ENCINITAS, CA 92024 PERMIT NO. 94
really don’t make them like they these anymore,” he said as he surveyed a 1962 Corvette. The owner, J.D. Duncan of Carlsbad, proudly displayed the car’s statistics. As one of only 14,500 cars of its kind, the automobile boasts a 327 engine with 240 horsepower. Corvettes weren’t the only cars on display, as more than 100 models lined the highway. “I love cars,” said Escondido resident Joe Hermosillo as he showed his daughter, Olivia, the engine of a classic Shelby GT 350. “I come to see the classics and the band is always a good show,” Encinitas resident Celia Walker said. She attended the event with her teenage sons. “It’s a fun time ❚
see Classic on 13
The sixth annual Encinitas Wine Festival a huge success! PAGE 6
The Encinitas Chamber of Commerce, it just works!
ENCINITAS FIRST • JULY 2009
ENCINITAS FIRST • JULY 2009
Do you need to establish a trust? It’s not clear-cut By David Lam During your working years, if you save money diligently and make wise investment choices, you have a good chance of enjoying a comfortable retirement. But will you be taking proper care of your family after you’re gone? The only way to answer that question is to do proper estate planning — and trusts can be a key element of your estate plan. How do trusts work? As the grantor of a trust, you set up the rules and appoint a trustee, who manages the trust and its assets. You and other DAVID LAM donors then fund the trust with securities and other assets. The trustee collects these gifts and invests the money according to the rules of the trust, which will also determine the trust’s beneficiary — the recipient of the trust’s proceeds. Different trusts have different objectives. When you design your estate plans, you may well need more than one trust. Here are some of the most widely used ones: Revocable living trust A revocable living trust can help you leave assets to your heirs without going through the costly, time-consuming — and public — probate process. When you set up a revocable living trust, you can control your assets during your lifetime and determine how they will eventually be distributed to your heirs. You could, for example, have money distributed to your children or grandchildren in installments, over a period of years. Plus, a properly established revocable living trust will carry out ❚ see Trust on 14
Calendar The next Encinitas Chamber of Commerce
Sundowner will be held from 5:30 to 7:30 p.m. at 1106 Second Street #112 in Encinitas on
Tuesday, July 21 July 6 AARP Chapter 239 Encinitas will present Jan Kovacs at 1 p.m. June 6, Encinitas Senior Center, 1140 Oak Crest Drive. Kovacs is an elder care advisor with a Place for Mom , the nation’s largest and free eldercare referral service. Call Bob at (858) 755-5011 for details. July 9 Soul of Yoga will hold a five-day immersion called Essence of the Soul from July 9 to July 13. The immersion is meant to cultivate a personal spiritual practice that is based on love and trust, the yogic way of promoting physical health, mental clarity and divine awareness. Register by calling Soul of Yoga in Encinitas at (760) 943-7685. July 11 “Italy Comes to Carlsbad” Fifth Annual Fest Italiana from 10 a.m. to 5 p.m. July 11 at The Island Shopping Center Faraday and College Avenue in Carlsbad. Admission is free. There will be Sicilian Folk Dancing at 1, 2:30 and 3:30 p.m. There will also be opera singing and Italian music and authentic Italian food. Also see European art, photography, travel, bocce and craft booths. There will be wine tasting at Carlsbad Wine Merchants (located in the center). The event is presented by Sons of Italy — La Costa dei Fiori Lodge. For details, call Jose ❚ see Calendar on 14
Members of the Jonathan Tarr Foundation, local dignitaries and the students who were awarded Windows of Opportunity scholarships. Robin Tarr, founder of the Jonathan Tarr Foundation, is pictured in the middle with a lei on. PhotoIslandPIX.com
Students, foundation meet at picnic ENCINITAS — The Jonathan Tarr Foundation, an Encinitas Chamber of Commerce member since 2003, hosted the seventh annual Ohana (or Family) Picnic at Glen Park Pavilion in Cardiff-by-the-Sea on May 17 for the class of 2009 students, their families and teachers. The foundation provides Windows of Opportunity scholarships for students graduating from high school offering alternative education curriculum, including AVID. The Jonathan Tarr Foundation was established in 2001 in memory of Jonathan Tarr who died in a tragic auto accident. He was only 17 and would have been a high school senior. He attended a continuation high school offering alternative education curriculum. He danced Hula and had a love for the ocean and surfing. Jonathan was a competitive soccer and lacrosse goalie. However, the extracurricular activities alone did not define this special young man who had great potential but did not live long enough to fulfill his dreams. Jonathan’s legacy now lives on through the Windows of Opportunity Scholarships which are provided to middle to underserved students not usually targeted for
academic assistance with post secondary education. Encinitas City Councilwoman Teresa Barth joined Encinitas Chamber of Commerce President G. Kenneth Gross and his assistant, Dr. Esther Crumpler, in greeting 187 guests and volunteers. The event was sponsored in part by the city of Encinitas and the Mizel Family Foundation Community Grants Program and Michele Riley, MBA/CPA. The Encinitas Rotary Club provided hot dogs and hamburgers. Moonlight Beach Ukulele Strummers entertained the guests with traditional Hawaiian music and hula. The 26 scholarship recipients are graduating from 26 high schools representing 13 high school districts and 14 cities in San Diego County. The majority of the guests were first-time visitors to the beautiful city of Encinitas and Glen Park. For more information about the Jonathan Tarr Foundation, located at 1042 N. El Camino Real, Suite B-302 in Encinitas, contact founder Robin Tarr at (760) 818-0462 or visit www.jonathantarrfoundation.org.
1st-time filmmaker wins Nanninga award By Tess Radmill ENCINITAS — Emily Goldstein is the winner of the first Robert T. Nanninga Student Film Scholarship that was awarded at the Cottonwood Creek Environmental Film Festival, or CCEFF, on June 5. The CCEFF announced its Robert T. Nanninga student film scholarship recipient at the CCEFF VIP party. The Encinitas Chamber of Commerce, in honor of the late Robert T. Nanninga, started a scholarship fund to honor young filmmakers each year at the CCEFF. The Encinitas Chamber of Commerce in conjunction with DEMA’s CCCEFF, awarded a $250 student film scholarship to the outstanding student entry for 2009. The winning film is by Emily Goldstein and is called “Noble Souls” and it examines how global warming began, why the situation is elevating and what we can do to remedy it. Goldstein had never made a movie before, so it was a truly homemade effort. “I have always been interested in conservation and protecting the earth. I thought I could help educate kids of my age about the reality of global warming and then give them some simple things that they could to do
to help mitigate global warming,” Goldstein said. In “Noble Souls,” Goldstein created animations to tell the story of global warming and then she interviewed two “noble souls” who are working to help with the problem of global warming. The first is Dr. Naomi Oreskes, a renowned science historian who has testified before congress on the reality and severity of global warming. The second is Chris Prelitz, a green designer and builder who specializes in green building techniques. Goldstein created the animations frame by frame with a piece of software not equipped to make animated films, so Goldstein plans to spend her scholarship money on an animation program. Then, she hopes to do a short animated film for next year’s festival. “I was really surprised and honored to win the scholarship,” Goldstein said. “It was scary but also exciting to be given the scholarship at the VIP Party. Everyone was very warm and kind to me. I hope that my film has in some small way helped to lessen the problem of global warming by raising awareness and offering practical solutions, especially to kids my age.” Emily Goldstein will be a sophomore at Canyon Crest Academy in the fall.
Economic downturn could be easing up From the U.S. Chamber of Commerce All signs point to an easing in the downturn as retail sales posted a small increase, the trade balance was relatively unchanged, and the number of new weekly jobless claims showed minor improvement.
cent, originally reported as a 0.4% decrease. Most categories posted small increases in May. Sales at gasoline stations (+3.6 percent), home supply stores (+1.3 percent), and auto dealers (+0.5 percent) posted the largest gains. There is some rationale to these increases. Gasoline prices are increasing, building season is in full swing now, and auto dealers and manufacturers are offering enticing Retail Sales Retail sales rose 0.5 percent in May. In April, total retail incentives to lure in customers. Weak sales were reported sales were upwardly revised to show a decrease of 0.2 per❚ see Downturn on 14
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ENCINITAS FIRST • JULY 2009
Letter from the Chamber President
The ‘onward and upward’ approach 879 Second Street Encinitas, CA 92024 Phone: (760) 753-6041 Fax: (760) 753-6270 E-mail: firstname.lastname@example.org
Executive Board President G. Kenneth Gross Wealth Management Associates (760) 487-1582 email@example.com Vice President / Secretary Angel Haag Primeco Education (760) 436-6075 firstname.lastname@example.org Vice President / Treasurer Melaini Peet Union Bank of CA (760) 942-4996 email@example.com
Board of Directors Claudia Carillo San Diego Gas & Electric (858) 654-6301 firstname.lastname@example.org David DaCosta Jamroc 101 Caribbean Grill (760) 274-3762 email@example.com Denise Hardman Liberty Mutual Insurance (760) 635-1472 denise.hardman@ libertymutual.com Maria Kamon MK Productions, Meeting & Event Planning (760) 943-0558 maria@M-K-Productions.com David E. Lam Financial Advisor - Edward Jones (760) 753-1025 www.edwardjones.com Julie Lee Scripps Memorial Hospital (760) 753-6501 firstname.lastname@example.org Greg Petree North Coast Health Center (858) 792-0696 email@example.com Brenda Smith San Diego National Bank (760) 753-4663 firstname.lastname@example.org Katherine Wichmann Zacharias Insurance & Financial Services (619) 208-7717 email@example.com
Visitor’s Center Director Pat Reinhardt Visitor’s Center Staff Debbie Caligiuri Alli Heller Jake Shapiro
SUBMISSIONS To submit articles, photos nad press releases for consideration for an upcoming issue, please e-mail: firstname.lastname@example.org Advertising/Production COAST NEWS GROUP 828 North Coast Hwy. 101, Suite C 760-436-9737 E-mail: encinitasfirst@ coastnewsgroup.com ©2009 ENCINITAS CHAMBER OF COMMERCE
Dear Encinitas Chamber of Commerce Members and the Encinitas Community: Sometimes things happen in our daily lives that are surprising or unexpected. These surprises can be good or bad, depending on how you look at the situation. Occasionally what appears to be an unfortunate occurrence actually turns out to be a blessing in disguise. The chamber has been through several such G. KENNETH occurrences in the last six GROSS months. We have seen people come and go. Some of these people were key components of the chamber operation. The chamber would like to specially recognize and thank past board members Michelle Johnston, Mary Purviance and Joan Faust for all their hard work and dedication and count on their continued support. Mike Andreen has moved on and is no longer
Fate of free enterprise is important to the country Tom Donohue President and CEO, U.S. Chamber of Commerce When more than 400 attendees from 40 states came to Washington recently for America’s Small Business Summit, I told them that the best way to protect free enterprise is to exercise it. That’s exactly what our members and the rest of the country’s 27 million small businesses do every day. Their success depends on long hours, hard work, and the willingness to take a risk. But it also depends on a free-market economic system that allows individuals to realize their full potential. The U.S. Chamber of Commerce is working hard to remind the American people and their elected representatives why free markets are important. This is more than just a philosophical debate — the free market system lifts people out of poverty, increases our standard of living, and provides opportunities that stretch as far as our imaginations. For the free enterprise system to thrive, we ❚ see Enterprise on 15
Encinitas Environment Day ’09 a great success John Gjata Chair, Encinitas Environment Day On June 7, Encinitas celebrated its third annual Encinitas Environment Day. This year the event was bigger and better than ever. There were local government agencies, activist organizations, and businesses who were sharing what they are doing, and what you can do, to make this a more environmentally healthy place to live. Also importantly, there were plenty of activities to engage children to help them learn what sustainable environmentalism is all about. This year’s event was dedicated to the memory of Robert T. Nanninga. Encinitas Environment Day was his brainchild and I am sure he would have been pleased with the results of the celebration. He envisioned an event that was local in focus, but perhaps global in effect. He wanted a conjoining of the hardcore tree-hugging environmentalists with the equally hardcore capitalists whose innovation could make environmentalism a ❚ see Success on 15
affiliated with the Encinitas Chamber of Commerce or its publication Encinitas First. We thank Mr. Andreen for all his past efforts on behalf of the chamber and wish him well in the future. Any Encinitas business that wishes to submit newsworthy items for publication in Encinitas First should email the information to email@example.com or contact the chamber at (760) 753-6041. Despite all of the perceived chaos and drama, it is important to keep focused on what is really important — to SUPPORT and PROMOTE businesses within our community; this is the FOCUS of the Encinitas Chamber of Commerce. Current board members and ambassadors have rolled up their sleeves and are doing extraordinary work. We are moving forward! We are focused on what needs to be done. The show must go on, and the Encinitas Chamber of Commerce will thrive! Since the last edition of the Encinitas First publication, operations have been streamlined and member benefits re-evaluated. Membership billing will be revised, making membership more affordable for businesses while providing more value for all. New staff members have been added to the Visitor’s Center by the chamber and we are very close to identifying, and hiring a new CEO/president. This will happen before the next (August) edition of Encinitas First. The chamber will also continue to provide
it’s popular Monthly Sundowners, promote and attend New Business Ribbon Cuttings as well as host special events, such as the 15th annual Oktoberfest in new Encinitas on Sept. 20 this year. The chamber will also organize business promotional campaigns in all areas of Encinitas including the El Camino Real corridor. In the Spirit of “Onward & Upward,” we know that serving our members is the most important task we are responsible for and we take that very seriously. You can expect from the Encinitas Chamber of Commerce in the coming months a revitalized organization that is dedicated to servicing our members, as well as creating and promoting the “Business Buzz” required to making a difference in these tough economic times. We know that your marketing dollars are important and we know that one of the most cost-effective resources you have is right here at the chamber. We have the technology and we make it affordable and effective for all members of the Encinitas Chamber of Commerce. When it comes down to getting “the best bang for your buck,” the chamber helps you and your business get the exposure necessary to bring in new and returning customers. “The Chamber Means Business and Your Business Starts Here … ” G. Kenneth Gross, President, Encinitas Chamber of Commerce (760) 753-6041 www.encinitaschamber.com
Help conservancy help the community save wetlands Ralph Achenbach, Outreach Coordinator SAN ELIJO LAGOON CONSERVANCY
Devastated and decimated by development, 95 percent of California’s coastal wetlands have been lost forever. Along with them, gone are habitat for endangered plants and animals, recreational opportunities for residents, and crucial ecosystem services such as flood and erosion control. San Elijo Lagoon Ecological Reserve is one of the few surviving wetlands. A gem of biodiversity, it is home to more than 700 kinds of spectacularly beautiful birds, mammals, reptiles, insects, fish, trees, shrubs and flowers — some acutely threatened by extinction. However, located between Encinitas to the north, Solana Beach to the south, and Rancho Santa Fe to the east, San Elijo Lagoon is still highly impacted. With a quarter million drivers barreling past the reserve every day on the interstate freeway that bisects its 1,000-acre area, and the mouth of the lagoon being narrowed and shut by the coast highway and train tracks, the habitat is fragmented. Water quality affected by runoff from sur-
rounding development and exotic invasive plant species outcompeting native plants while providing little value to local wildlife, are but a few of the challenges San Elijo Lagoon faces. Its protection and preservation are more crucial today than ever. Hand in hand with that is education about its vital importance to the environmental health of Southern California. As a steward of the ecological reserve, the San Elijo Lagoon Conservancy has been working to protect, preserve and enhance the lagoon and its watershed since 1987, and is providing a vast range of public education programs and services. The conservancy acquires and manages land to protect it, carries out large-scale habitat restoration programs, conducts scientific monitoring studies, and offers free guided nature walks and experiential learning activities to schools, colleges and the public. Only 30 years ago an illegal dump and slated for development, San Elijo Lagoon was saved by a group of concerned citizens and has weathered many a storm since. Today, the
reserve features North County’s first all-access coastal wetland trail, and a beautiful, new state-of-the-art nature center is open to the public free of charge seven days a week along Manchester Avenue in Cardiff-by-the-Sea. The conservancy’s education programs provide ongoing activities for schools and other groups as well as guided walks for the public every Saturday starting at the nature center and every second Saturday of the month starting at the Rios Avenue trailhead in Solana Beach. Annually in the fall, docent training sessions, along with monthly docent activities, prepare volunteer naturalists to interpret the beauty and diversity of the lagoon to visitors, while monthly work parties offer opportunities for volunteers to assist in trail maintenance and habitat restoration activities. The conservancy plays a leadership role in environmental conservation even outside of the immediate boundaries of the reserve, conducting ongoing water monitoring and invasive plant removal programs in ❚
see Wetlands on 15
ENCINITAS FIRST • JULY 2009
Cutting costs butts heads with growth By Brian Moran In today’s economy, if you ask a dozen businesspeople for their survival tips, you will probably get 12 different responses. At one end of the spectrum, you are advised to “hunker down. Cutting costs is the only way to survive.” At the other end, it’s “damn the torpedoes, full speed ahead!” Which side is right? In most cases, a combination of the two ideologies usually works best. Here are five rules to follow: A solid business plan is your GPS system Do you have a business plan in place for 2009? If so, do you reference it regularly, or will it sit in a filing cabinet until December when it’s time to put together a plan for 2010? Many small businesses will fail this year because they don’t have a plan to navigate the recession. They might use an axe to cut costs when a surgical knife is needed. A solid business plan will tell you where to make cuts while examining potential revenue-generating opportunities. In tough times, most companies shift their businesses into reverse. They cut costs and abandon growth plans. However, your next strategic decision could be to invest in programs that will bring in revenue. Remember, you cannot save your way to prosperity. Whether your product or service is B2B or B2C, other companies and customers are still spending money. Cutting costs should only be part of your overall solution. Measure everything Once your plan is ready, make sure that you have the right tools to measure its effectiveness. To cut fat without cutting muscle or bone, understand what works and what doesn’t. Are you getting ROI from your advertising campaign? Is each sales territory generating sufficient revenue? Will purchasing new technology make your business more cost efficient? Follow the adage of great tailors: “Measure twice; cut once.”
Encinitas Mayor Maggie Houlihan accepts a $10,000 check from members of the Encinitas Lions Club that will be earmarked to buy and install a voice-activated, street crossing device in downtown Encinitas to assist the visually impaired and handicap to cross the street. This is the second such device funded by the Lions Club members, who hope to be able to install one device a year until all major streets are protected. For information, contact Ron Zehr at firstname.lastname@example.org or (760) 753-0159. Courtesy photo
City cheers opening of the newest fire station ENCINITAS — The city has opened the recently completed Encinitas Fire Station No. 3 at 801 Orpheus Ave. The 1970s-era Encinitas Fire Station No. 3 was completely demolished last year so that it could be replaced with modern, expanded public safety facilities. The new station spans 7,256 square feet, more than double its original size, and has the capacity to house extra engines and firefighters in the event of large-scale disasters like flooding or wildfire. The first floor of the station includes offices, a training classroom, physical fitness area and three bays for emergency equipment. In addition to the main fire engine and one reserve engine, Station No. 3 is home to a rescue trailer specially
The city celebrated the grand opening of Fire Station No. 3 June 17, along with, from left, Fire Chief Mark Muir, Deputy Mayor Dan Dalager, Mayor Maggie Houlihan, Councilmember Teresa Barth, City Manager Phil Cotton and Division Chief Darrin Ward. The event included a “hose-uncoupling” (in place of a ribbon-cutting) and a tradition known as “housing the rig” where all attendees helped push the fire engine into the station. Photo by Sharon Scott
suited to confined space emergencies. This type of rescue equipment is not readily found in fire departments in surrounding communities like Del Mar, Solana Beach or Rancho Santa Fe. The firefighters’ living area is upstairs, including four bedrooms with two beds each, a dining area, kitchen and day room. The station’s design also includes a deck for outdoor living space. In addition to stairs, which firefighters typically would use to respond to an emergency, the station also features a firefighters’ pole. “It’s an interesting building,” said Encinitas Fire Department Division Chief Scott Henry, who is the project manager. “I think the uniqueness – not at all ❚ see Station on 14
Celebrate summer with classic cars next month ENCINITAS — Mark your calendar for July 16 for a celebration of summer in downtown Encinitas. The Downtown Encinitas MainStreet Association, or DEMA, will be celebrating summer with the 11th annual Encinitas Classic Car Cruise Nights in down-
town Encinitas — the second of four in the summer series. Along with classic cars, there will also be an exclusive electric car display, featuring a few of the 100 percent electric/zero emission MINI Es. In July, the So Cal Stangs Car Club will help
host the evening. Encinitas Classic Car Nights is a great reason to get out and take advantage of the extra hours of daylight and admire the immaculate paint jobs and glistening engines in the classic cars along Highway 101. It is also an excellent reason to
enjoy a summer night out in a historic downtown with 40 great restaurants and more than 200 unique shops. The event will begin at 5:30 p.m. with the music of North Star at Encinitas Smog Test Only Center (682 S. Coast Hwy 101). Classic
cars will line the historic Highway 101 and there will also be “best of” awards distributed by the evening sponsor, Encinitas Foreign & Domestic Auto Repair. The event is open and free to the public, every car in ❚
see Summer on 14
Negotiate and renegotiate deals Today, most companies are willing to work with you to keep you as a customer. That said, you should expect your customers to renegotiate their deals with you. Know what concessions you’re willing to make in advance of negotiations. Don’t put all your eggs in one basket I hear the same story all the time. “We lost our largest customer, and it put ❚
see Cutting on 14
The Encinitas Chamber of Commerce welcomed The Flavor Chef as a member. Chef Lance Roll has more than 20 years experience creating healthy cuisine. He uses locally grown, organic produce and free-range poultry in his creations and creates personalized menus for each of his clients. Chef Lance says that “love is the ultimate spice” and he uses it in all of his dishes. Above, pictured at the recent ribbon cutting ceremony, are Gunnar Cunningham, Debbie Caligiuri, Chef Lance Roll, Suzanna Roll, Angel Haag, David Lam, Melaini Peet and Sunshine Smith. For more information of The Flavor Chef, visit www.theflavorchef.com or call (760) 685-2433.
ENCINITAS FIRST • JULY 2009
Rotary supports charities ENCINITAS — The sixth annual Encinitas Wine Festival at Quail Botanical Gardens on June 6 benefited 14 charities. Dick Stevens, chairman of the festivities, incorporated new ways to make the Rotary’s signature event even more environmentally sound as guests rose to the challenge of creating zero waste. Their wine
RECEPTION FEATURES ARTISTS
Bruce Stewart and Deborrah Henry were featured in an artist reception June 12 at the Off Track Gallery, located at the corner of 2nd and D streets in Encinitas. Henry works in a variety of media and authored “The Simple Art of Ribbon Design.” Stewart uses his experiences as a marine scientist in his painting. For more information, call (760) 942-3636 or visit www.OffTrack.com. Courtesy photo
glasses and other reusables were placed in take-home cloth bags at the end of the night. The community charities involved were the Encinitas Historical Society, Quail Botanical Gardens, Rancho Coastal Humane Society and the Refugee Network. Children’s charities represented were Class
ACT, the Encinitas Rotary Foundation, the AAUW’s Homeless Babies Project, Just In Time, MAEGA, San Dieguito Sports Medicine Foundation, the Children’s Heart Foundation, the Rotary Educational Foundation, Angel Faces, the Jonathan Tarr Foundation and Casa de Amparo.
From left, Susan and Brian Spears, Regan and Eric Olsen. Courtesy photos
The wonderful world of niches take advantage of their growth By Jim Blasingame PRESIDENT AND FOUNDER SMALL BUSINESS NETWORK, INC.
One of the things that Sears Roebuck is famous for is its Craftsmen tools, especially its mechanical socket wrenches. Once, while buying one of these, I was confronted with the options of “Good,” “Better,” and “Best,” a strategy for which Sears is also famous. I was told that the Best model had more notches, or teeth, inside the mechanism, allowing for finer adjustments when tightening a bolt or nut. For the past 30 years, the marketplace has increasingly become like that “Best”
socket wrench; every year, it acquires more notches. Except in the marketplace, notches are called niches (I prefer “nitch,” but some say “neesh”— tomato, tomahto). And just as more notches in a mechanical wrench allow for finer adjustments, niches create finer and more elegant ways to serve customers, which they like — a lot. As niches have increased in number, so have entrepreneurial opportunities, resulting in the most dramatic expansion of the small business sector in history. It’s difficult to say which one is the egg and
which is the chicken: Have entrepreneurs taken advantage of niche opportunities presented to them, or have they carved out niches while pushing the envelope of an industry? The answer is not either/or, it’s both/and. Webster defines niche as “a place or position perfectly suited for the person or thing in it.” If ever a concept was “perfectly suited” for something, it is the niche and a small business. Indeed, as one small business owner creates a new niche, another is creating a niche within a niche. It’s a ❚
From left, emcee Richard Houk, Marjorie Archer of the Assistance League of North County and Rotarian president Kristin Gaspar celebrate the turnout at the Encinitas Wine Festival on June 6.
Beth Herman and Chris Barroso enjoy the sixth annual Encinitas Wine Festival at Quail Botanical Gardens June 6. The proceeds, estimated at nearly $80,000 this year, benefited 14 local charities.
see Niches on 14
Bill and Melanie Silva.
Encinitas Rotary President Kristin Gaspar shows off a proclamation received from Councilman James Bond in honor of Rotary’s philanthropic efforts.
Bruce and Diane Wadman.
LOCAL ARTIST RECEIVES LIFETIME HONORS
Grace Swanson of Encinitas, artist and member of the San Dieguito Art Guild, has been rewarded with a lifetime membership to the guild. Swanson has been instrumental in organizing and coordinating the guild’s latest galleries in Encinitas, promoting the guild, researching and documenting the history of the guild as well as serving on the board of directors. Most recently Grace’s mixed media piece won the Best of Show honors in June’s monthly show at the Off Track Gallery, 500 Second St. in Encinitas. Her piece, titled “Matilija Poppy,” was first painted in watercolor, then acrylic on Masa paper. More of Swanson’s and all San Dieguito Art Guild member paintings can be seen at the Off Track Gallery 2 in the Lumberyard in Encinitas. Call (760) 942-3636 or visit www.offtrackgallery.com.
6th annual Encinitas Wine Festival benefitted 14 charities. Leslie and Julian Duval.
ENCINITAS FIRST • JULY 2009
The Grauer School hosts July Sundowner ENCINITAS — The Grauer School hosted the Chamber’s Sundowner on June 16 and members were treated to a glimpse under the hood of one of North County’s pre-eminent, independent, college preparatory schools. The world is the classroom for Grauer students. Students and teachers create global, humanitarian missions where they engage with students from around the world in projects from installing efficiency stoves across the Altiplano in Guatamala to student musicians busking on the banks of the Mississippi to raise funds for a New Orleans homeless shelter — and then performing before the residents. Nationwide, university admissions counselors have embraced The Grauer School model. This year’s
graduating students shattered records in both college admissions rate (87 percent acceptance rate among all colleges applied to) and scholarship offers (an unheard-of $64,000 per student average). Co-curricular centers in the arts, humanitarian work, sustainable technology, fitness and health, expeditionary learning, international education, and leadership support the strong academic core of the school. The school was founded in 1991 by Dr. Stuart Grauer to advance college prepara- From left, Stacy Adams, Bill Harman, Grauer School Head of Development, with John and Debbie Conover, Grauer School tory education in the com- parents and chamber members. Courtesy photos munity, as well as to create an education model allowing for far greater teacherstudent collaboration. The school has grown each year and it’s current $9 million coastal campus accommodates 150 students and 32 teachers.
From left, Stuart Grauer, Edgar Engert and David Meyer.
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Students honored as Student of the Year included (not in order pictured) Dana Palmer of Capri Elementary, Nathan Cheng of El Camino Creek Elementary, Madelyn Payne of Flora Vista, Chelsea Churchill of Mission Estancia, Cynthia Galindo of Ocean Knoll, Matt Conger of Olivenhain Pioneer, Andre Sanavi of Park Dale Lane Elementary, Lisa MacPhee of Paul Ecke Central, Zach Brown of La Costa Heights, Kevin Hornbeak of Ada Harris, Olivia Ramzi of Rancho Encinitas, Megan Black of St. John the Evangelist, Stewart Wirick of The Grauer School, Christopher Emmanuel Hyndman of Encinitas Country Day, Brigitte Williamson of Diegueno Middle School and Alec Smith of Oak Crest Middle School. Photo by Daniel Knighton
Teachers continued from 1 character traits like caring, trustworthiness and responsibility in the classroom through the experience. The recipients of the student awards were not only academically advanced, but showed leadership and collaboration skills. Several were recognized for their service to others. Megan Black of St. John the Evangelist was among those honored for her volunteer efforts. She has led efforts to support San Diego Kid’s News Day, Red Ribbon Week and various fundraisers that have netted more than $2,000 for children in need. The Grauer School
And the winners are … Teacher recipients included: Lance Gomez — Capri Elementary Pauline Benson — El Camino Creek Elementary Liz Kuttler — Flora Vista Elementary Deborah Sauer — Mission Estancia Elementary Jessy Smith — Olivenhain Pioneer Elementary Doug Rierdan — Park Dale Lane Elementary Sue Liesgang — Paul Ecke Central Arlene Skoor — La Costa Heights Elementary Tricia Shemwell — The Grauer School Kristen Edwards — Rancho Encinitas Academy Wendi Bremermann — Encinitas Country Day Jacqueline Powers — Diegueno Middle School Susan Lesan — Oak Crest Middle School Michael Santos — San Dieguito Academy Emily Clark — Sunset High School Jerry Trust — La Costa Canyon High School
chose eighth-grader Stewart Wirick as the recipient of Student of the year in his age division. Wirick’s impressive achievements reflect his well-rounded interests and personality.
Student recipients included: Dana Palmer — Capri Elementary Nathan Cheng — El Camino Creek Elementary Madelyn Payne — Flora Vista Chelsea Churchill — Mission Estancia Cynthia Galindo — Ocean Knoll Matt Conger — Olivenhain Pioneer Andre Sanavi — Park Dale Lane Elementary Lisa MacPhee — Paul Ecke Central Zach Brown — La Costa Heights Kevin Hornbeak — Ada Harris Olivia Ramzi — Rancho Encinitas Megan Black — St. John the Evangelist Stewart Wirick — The Grauer School Christopher Emmanuel Hyndman — Encinitas Country Day Brigitte Williamson — Diegueno Middle School Alec Smith — Oak Crest Middle School
His school year included winning the Grauer School’s Spelling Bee, the Sweepstakes Award at the San Diego County Science Fair and taking home first place at the California
Science Fair. While Wirick is a strong student with two honors classes in his schedule, he is also a talented musician, natural Grauer School Teacher of the Year Trisha Shemwell receives outdoorsman and a a plaque and congratulations from school founder Stuart Grauer. Photo by Daniel Knighton humanitarian.
Teachers of the Year from every school in Encinitas, public and private, honored at the Encinitas Chamber of Commerce Salute to Education include, from left, Arlene Skoor of La Costa Heights Elementary, Wendi Bremermann of Encinitas Country Day, Carrie Tograzinni of Ocean Knoll Elementary, Lance Gomez of Capri Elementary, Kristen Edwards of Rancho Encinitas Academy, Doug Rierdan of Park Dale Lane Elementary, Pauline Benson of El Camino Creek Elementary, Deborah Sauer of Mission Estancia Elementary, Sue Liesgang of Paul Ecke Central, Jessy Smith of Olivenhain Pioneer Elementary, Jacqueline Powers of Diegueno Middle School, Tricia Shemwell of The Grauer School, Susan Lesan of Oak Crest Middle School, Michael Santos of San Dieguito Academy and Emily Clark of Sunset High School. Not shown are Liz Kuttler of Flora Vista and Jerry Trust of La Costa Canyon High School. Photo by Daniel Knighton
ENCINITAS FIRST • JULY 2009
DEMA Executive Director Dody Tucker and California Community Bank Manager Don Taylor.
From left, Mark Porter, Brad Dow of Furgerson’s Garage, California Community Bank Customer Service Manager Jean Malinski and Queen Eileen. Courtesy photos
Dimeff Law Offices attorney Suzanne Cowan Dimeff and Catherine Shore, director of finance and thrift stores at the Community Resource Center.
DEMA mixes it up The Downtown Encinitas MainStreet Association held its quarterly mixer at California Community Bank in the Lumberyard on June 23 in celebration of the bank’s one-year anniversary. From left, Mayor Maggie Houlihan, DEMA program assistant Carris Rhodes and Liz Taylor.
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Thinking about getting back into the market? G . Kenneth Gross, President/CEO WEALTH MANAGEMENT ASSOCIATES, INC.
Over the past 18 months, the markets have experienced a tremend o u s amount of downside volatility. For most investors, this volatilG. KENNETH ity has GROSS meant the value of their retirement portfolio has dramatically decreased. The questions now seem to be “Should I go back into the market?” and then “How should I invest?” and “Where should I invest?” If these questions sound familiar, you are not alone. Many investors in the United States and around the world are asking the same question. Especially since they have lost anywhere from 30 to 50 percent of their portfolio as the mar-
kets have essentially erased all of the gains since 1999. Part of the answer is that history shows us it makes more sense to be in the market than out of the market. In fact, most of the gain that an investor could have received over a 10year period came from between 10 to 20 of the best trading days during that time in the market. Unless you had a crystal ball or were really lucky at identifying these specific days, you must have been in the market to have achieved the gain. In other words, if you were not invested, then you generally would not have seen the returns (growth). According to an SBA study, missing the 10 best days between Dec. 31, 1996, and Dec. 29, 2006, would have cost you the difference between an average annual total return of 8.42 percent and 3.41 percent. This means your total return would be 60 percent ❚
see Market on 14
Visitor Center extends hours for summer ENCINITAS — The Encinitas Visitor Center is open for business as traffic increases during the summer months. Just as the doors opened one recent morning, longtime employee Pat Reinhardt was busy informing a new arrival about all of the sights and events in the city. Located in the Chamber of Commerce office on 859 Second Street, the center severs as an information clearinghouse. From the new nature center at the San Elijo Lagoon Ecological Reserve to surf lessons at one of the many professional schools in town to historic exhibits at the Encinitas Historical Society’s schoolhouse and the San Dieguito Heritage Museum, the Visitor Center staff is knowledgeable about the many facets that make up the city. Calls are fielded hourly from tourists planning trips to Encinitas. The staff helps guide prospective visitors through the maze of accommodations, attractions, restaurants, shops and beaches in order to plan a successful excursion.
Longtime Visitor Center employee Pat Reinhardt fields one of the many calls that come in daily requesting information about Encinitas. Courtesy photo
With the addition of the city’s bio-fueled shuttle, the staff can give visitors additional transportation options for shopping and beach trips. The visitor center staff also assists newcomers to the area. People who have just moved to the city will find helpful information including maps. Even longtime residents could learn a thing or two from the myriad of resources at the center. The center is open Tuesday through Friday from 10 a.m. to 4 p.m. and Saturday from 10 a.m. to 2 p.m.
Summer concert series set at Moonlight ENCINITAS — Encinitas Sunday Concerts by the Sea will take place Sundays from 3 to 5 p.m. July 5 to Aug. 16 at Moonlight State Beach, at 4th and B streets. The 2009 Summer Concert Schedule is July 5, The Credentialed; July 19, Stripes and Lines; Aug. 2, The Surf Kings; and Aug. 16, The Devastators. Bring your lawn chair and your friends down to Moonlight Beach and kick back with your feet in the
sand while listening to some of the best music Southern California has to offer. Don’t miss out on our awesome mix of music. For more information regarding the Summer Sunday Concert Series, visit www.EncinitaRec Reg.com or call the Parks and Recreation Department at (760) 633-2740. Smoking, alcohol, glass and dogs are prohibited at Moonlight Beach.
The Cardiff 101 Chamber of Commerce celebrated its new and improved storefront grand opening at 124 Aberdeen Drive on June 23. Front row from left, Betty Steele, Trish Stidham, Linda Lee, Councilman Dan Dalager, Brenda Dizon, Councilwoman Teresa Barth, Mayor Maggie Houlihan, Debbie Mitchell, Tess Radmill and Danny Salzhandler. Back row from left, Barbara Cobb, Peder Norby, Brad Maassen and Mark Olson. Courtesy photo
Eco-bus makes its debut run during environmental weekend ENCINITAS — The idea of a shuttle bus to take residents and tourists to popular destinations along the coast from Leucadia to Cardiff-by-the-Sea became a reality as the Coast Cruiser made its inaugural run June 6. Owners of Wherever Shuttle will operate the Coast Cruiser each weekend from 11 a.m. to 9 p.m. until Labor Day. Bruno Mora and Ryan Wilcox, owners of the shuttle, said the vehicle operates on bio-fuel. “We pick up used vegetable oil from restaurants in the area and use it as fuel,” Mora said. Onlookers got a firsthand view of the thick, yellowish grease as the two poured the liquid into a filter to separate the food particles during Environmental Day at Cottonwood Creek on June 7. “I can’t believe my leftover food is going to good use,” local resident Jeffrey Simmons said. A committee comprised of local residents met weekly to hammer out the details of the program for more than a year and a half. The shuttle will make 11 stops along the 7-mile route including pickup and drop-off service from restaurant row in Cardiffby-the-Sea to Avocado Street in Leucadia. Peder Norby, the city’s Highway 101 coordinator, said the Leucadia 101 MainStreet Association was primarily responsible for seeking grants and administering the pilot
Ryan Wilcox, left, helps Bruno Mora drain the bio-fuel used to operate new Encinitas Coast Cruiser. Several area restaurants contribute used vegetable oil to the effort. The shuttle bus is a pilot project that runs on the weekends throughout the summer months until Labor Day. Riders can pay a fee to ride along Highway 101 from Leucadia to Cardiff.
project. To date, he said grants and sponsorships received had covered the majority of the necessary funds. The cost of operating the shuttle service for 10 hours per day during 12 weekends in the summer came to $25,000. Norby said the project could
potentially pay for up to 90 percent of the operating costs through grants, sponsorships and fares. The cost of one ride is $1. Weekend passes are also available at $5. City Council committed $10,000 while County Supervisor Pam SlaterPrice contributed $5,000 to
the project. North County Transit District operates a bus that passes through the city once every half-hour while approximately 18,000 vehicles drive along the coastal corridor each day, most carrying only a single motorist according to Norby.
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ENCINITAS FIRST • JULY 2009
Quail Children’s Garden Encinitas sets its 15th opens with great success annual Oktoberfest event ENCINITAS — Quail Botanical Gardens celebrated the grand opening of the new Hamilton Children’s Garden on June 13 to the sounds of laughter and children playing. Heaps of dirt were transformed into a thriving children’s garden thanks in large part to a few low-profile donors according to officials at the gardens. The one-acre site along Quail Gardens Drive just north of the main gardens on city-leased property is the largest children’s garden on the West Coast. In an effort to expand the existing Seeds of Wonder children’s garden, the new area provides an environment for children and families to explore the natural world. One of the most unique features is a one-ofa-kind climbable tree house. Rising 20 feet from the ground, the tree house incorporates manmade and living materials. “A lot of kids have never even climbed a tree before,” Sherry Dotson said. The Encinitas resident frequents the gardens with her two young children. “I’m glad there is a place like this to escape and just be a kid.” Samuel Burger, 3, was drawn to the water features at the river zone as he watched a stick float by. “We’ve been here for an hour and he’s been fixated on this spot the whole time,” said his
ENCINITAS — The highlight of each autumn is the Encinitas Heritage Oktoberfest, held along six full city blocks along Mountain Vista Road at El Camino Real, with hundreds of craft booths, a German picnic barbecue, Bavarian bands, dancers and a sweepstakes drawing for a trip to Germany. The event includes 200 venders and attracts more than 30,000 people each year. The Encinitas Heritage Oktoberfest brings together
community and heritage, and will focus on vendors with handcrafted, original products, as well as products that flow with this Southern California seaside community. A fun-filled day for the whole family, the 15th annual Oktoberfest will be held from 10 a.m. to 6 p.m. Sept. 20 offering seven hours of nonstop entertainment. Enjoy traditional German dancers and bands, authentic German
foods including bratwurst, sauerkraut, German potato salad, strudel and more! There will also be tons of not-so-authentic cuisines available including ice cream, burgers, barbecue, Mexican, and even Chinese food. For the adults, there will also be a beer garden to celebrate the festivities. For information or questions about the event or how to become a vendor, call (760) 753-6041 or e-mail Encinitas.oktoberfest@gma il.com.
Anh Le helps her 14-month old son Kaspar Hitchman play the xylophone at the new Hamilton Children’s Garden at Quail Botanical Garden on June 13. Courtesy photo
mother Sara. Other activities include planting seeds, making walls out of dirt, playing an 18-foot-long bamboo xylophone and climbing the rope ladder to the treehouse platforms. “I’m so thrilled this place is literally in our backyard,” said Devon Walters, who lives just blocks away. “I’m sure we’re going to be regulars.”
Set on 36 acres off of Encinitas Boulevard, the gardens’ mission is to inspire people of all ages to connect with plants and nature. By combining a variety of gardens with more than 3,500 plants, trails and native habitat, it provides an oasis of peace and tranquility within a growing city. Dennis Smith, Melaini Peet, Alexandra Zuniga, Zack Spencer, Carla Funk, Jeff Bibler and Sunshine Smith gathered recently to celebrate the ribbon cutting for Funk’s summer ceramics Art Camp for kids. They were joined by campers Hannah Williams, Max Bellier-Igasaki, Christina Bortnick, Brij Sahney, Emily Graham, Julia Wolf, Grace Paxton, Kira Nolan, Samantha Bellier-Igasaki, Kirsten Mueller and Dane Mueller. The camp, for kids ages 5 to 15, began in mid-June and will run in conjunction with adult clay workshops held Tuesdays from 3:30 p.m. to 6:30 p.m. The camp boasts many returning students, and more challenging projects are available geared toward the more advanced artists. “My goal has always been to make this an artistically enriching environment for my students to safely express themselves through art materials; and to help advance them towards their goals,” Funk said. For more information about Art Camp for kids or adult clay workshops, call (760) 943-6313 or visit www.arttilesbycarla.com.
New UPS Store set to hold open house celebration ENCINITAS — The UPS Store, located at 132 N El Camino Real, will host its grand opening celebration July 25 from noon until 4 p.m. Among the activities planned for the day are live music provided by SpareTime, a local band, food, prizes, drawings, discounts and new products. “As a one-stop shop for shipping, postal, document and business services, we look forward to serving the Encinitas community,” The UPS Store owner Ron Carlon said. The UPS Store offers domestic and international shipping; full-service packing; digital printing; black-and-white and color duplications; document finishing (binding, lami-
nating, etc.); notary; printing services (business cards, letterhead, rubber stamps, etc.); custom crating and shipping for large items (e.g., grandfather clocks, motorcycles); mailbox and postal services; office and packaging supplies; and the new ONLINE Printing solution. “We are in the business of saving people time, and with shipping prices direct from UPS, we can save them money as well,” Carlton said. “At The UPS Store, we’re committed to providing convenient business solutions with personalized customer service.” In addition to being named No. 1 in the postal and business services cate-
gory for the 19th consecutive year by Entrepreneur magazine as part of their “Franchise 500” ranking, The UPS Store network also received City Business Journals’ American Brand Excellence Award in the retail category for the past two years. More than 250 businesses were rated on factors such as: being easy to do business with; industry leaders; forward thinking; growing companies; ethics; growing popularity; and offering a good price for what you get in return. The UPS Store’s hours of operation are 8 a.m. to 7 p.m. Monday through Friday and 9 a.m. to 5 p.m. Saturday. They are closed on Sunday.
ENCINITAS FIRST • JULY 2009
Classic continued from 1 that we can all enjoy as a family,” Walker said. Along with classic cars, this year’s events will have an exclusive electric car display, featuring some of the 100 percent electric/zero emission MINI E cars. North Star provided the night’s entertainment as passersby stopped to listen to the live music. “The music adds some spunk to the car show,” said Oceanside resident Glenn Stuart, who attends multiple car shows around
the county each year. “I start reminiscing when I see the street full of cars I drove as a kid.” Lisa Lerandreau of Oceanside displayed her 2007 Corvette for the second year in a row. “I like American muscle cars,” she said with her dog Tedi perched in the passenger’s seat. Carol Elsasser, whose husband, Warren, is president of the car club said the couple has owned five Corvettes. “His favorite is the 2007 atomic orange,” she said pointing to a sleek ride parked in the lot.
Classic Car Cruise Nights is part of a national celebration of classic cars that is tailored to local tastes. Several downtown area merchants stay open late to take advantage of the increased foot traffic. “I like the location,” Shelly Benson said. “We can shop around and have dinner and even walk to the beach when we’re done looking at all the cars,” she said. Classic Car Cruise Nights will take place on the third Thursday of each month through September with a different host car club and Chevy still reigned supreme at the first installment of the Classic Car Cruise Nights. This 1956 classic was one of hundreds of cars showcased along Highway 101 in downtown as sponsoring local business. part of the annual summer ritual.
Lisa Lerandreau and her faithful companion Tedi showed off her 2007 Corvette at the Classic Car Cruise Nights annual summer event June 18. This is the Oceanside residents’ second year participating.
Elvis accompanied this 1962 Corvette to the annual Classic Car Cruiser night June 18. Owner J.D. Duncan of Carlsbad proudly displayed the unique vehicle — one of only 14,500 ever made — along Highway 101 in downtown.
ENCINITAS FIRST • JULY 2009
ground on the loss that you have experienced. On the other hand, if you are age 55 and preparing to retire, then you may have another 10 years to experience the potential growth of your investments which could mean that your retirement portfolio grows larger to provide more income down the road. If you are one of the Baby Boomers (those born between 1946 to 1964), you most likely fit somewhere in the middle of this age category and the limited time horizon you may have is critical to your potential future success. If that is the case, the best thing you can do is to quickly conduct a
“financial fitness” checkup. You must determine what your investments need to do for you over the next 15 to 20 years and beyond. Armed with this knowledge, the question now becomes how can you create a portfolio that allows you to sleep at night knowing that enough of your investments will be there when you need them. In addition, with all of the commentary, statistics and volume of news out there, the task of determining where to be and how to be invested becomes daunting and often overwhelming. Combined with the lack of time to conduct proper
research to make the right move, most people do not make good decisions or even worse, they leave the decision up to someone who has no business helping them in the first place. This is why it is absolutely critical to find someone who can really help by educating, presenting options and actively managing your retirement portfolio. We educate investors and help manage their investments every day. If you are thinking about getting back into the market, need help deciding or would like free, no obligation “Financial Fitness” checkup, please e-mail me at ken-
firstname.lastname@example.org or call my office and speak to Esther to schedule an appointment at (760) 4871582, ext. 108. G. Kenneth Gross, President/CEO of Wealth Management Associates, Inc, is a licensed and seasoned financial professional with 20 years of experience. He is also a registered representative with FINRA and financial advisor with Securities America. Securities offered through Securities America, Inc. A registered Broker-Dealer. Member FINRA/SIPC. Securities America, Inc. is not affiliated with Wealth Management Associates.
original estate tax credit was unused and, in effect, continued from 3 wasted. Basically, a bypass trust your wishes if you become allows both spouses’ estate incapacitated. tax exemptions to be preserved, to the benefit of the Bypass trust If you’re married, you surviving spouse and, ultican leave an unlimited mately, the children. amount of assets to your spouse, free of estate taxes Special needs trust If you have a family and without using up any of member with a disability, your estate tax credit. But if your spouse then you might want to think dies with an estate worth about a special needs trust. People with mental or more than the federal estate tax exemption — $2 physical disabilities can million in 2007 — his or her hold an unlimited amount estate would be subject to of assets in a special needs trust (sometimes called a the estate tax. Unfortunately, your supplemental aneeds trust)
without having the assets count against eligibility for certain governmental benefits, such as supplemental security income (SSI), Medicaid, vocational rehabilitation and subsidized housing.
and also maintain control of how the trust’s assets are distributed once he or she also dies. Of course, trusts are complex instruments, so you should work with an attorney, in addition to a tax adviser to make sure you are using the right type of trust
and then consider a financial professional for funding it with the appropriate vehicles. By using trusts wisely, you can leave a legacy that benefits everyone. David Lam is a financial advisor with Edward Jones Investments
continued from 11 less than if you had been invested during that time. The bottom line is that your potential total return generally depends on time in the market, not timing the market. The other part of the answer depends on your specific situation in life and how long you need your investments to provide income. For example, if you are around age 65 and already retired, then you are most likely concerned with keeping what you have, getting enough income and hopefully gaining some
Downturn continued from 3 at electronic retailers (-0.5 percent), furniture stores (0.4 percent), and nonstore retailers (-0.4 percent). Core sales, or sales excluding the auto and gasoline receipts, increased 0.5 percent. On a year-to-year basis, top-line retail sales decreased 9.5 percent, while core sales were down
Station continued from 5 cookie-cutter square – speaks to the character of our city.” In place since construction started and for everyday use going forward at Fire Station No. 3, sustainable systems include erosion control measures, storm water management, low water use landscaping, and highly efficient irrigation and water heaters. The station features storage and collection areas for recy-
Calendar continued from 3
QTIP trust If you’re married for a second time, but want to make sure your children from your first marriage are protected, you may want to think about a QTIP, or qualified terminable interest property) trust. A QTIP trust enables you, as grantor, to provide for your surviving spouse
Summer continued from 5 attendance is eligible and there is no cost for displaying or viewing the cars. The event will last until 7:30 p.m.
Come early for the best parking spots because parking is limited, and dine at one of the many fantastic restaurants in downtown Encinitas before the event “shifts into fifth gear.”
7.2 percent compared to May 2008. May’s report confirms the prediction of a slow thaw in consumer spending as the recovery begins to take hold. Consumers have altered their buying habits and are buying less on credit. When growth fully returns, it will remain weak as beleaguered consumers save cash and stay away from credit purchases because
of continued economic straight month, dropping uncertainty. 1.4 percent to $150.3 billion. Petroleum imports rose 3.1 percent to $15.0 International trade According to the Bureau billion as oil prices began of Economic Analysis, the to increase. With condiU.S. trade deficit in goods tions bottoming out, trade and services widened to should remain relatively $29.1 billion in April, fol- flat until a recovery takes lowing a widening to $28.5 shape. billion in March. Exports declined 2.3 percent to Weekly jobless claims $121.1 billion in April. For the week ending Imports fell for an eighth June 6, weekly jobless
claims fell by 24,000 from the previous week to 601,000. Four of the past six weeks have posted declines, a sign that the labor market is beginning to bottom out. While this provides some hope that the worst of the layoffs may be behind us, it will be a long way to a recovery. Firms will likely delay hiring even after a recovery is under way.
clables. Energy efficiency also is evident in the lighting utilized at the station, including use of LED exit signs, compact fluorescent lighting fixtures and occupancy sensors, which automatically turn out lights in rooms when they aren’t in use. Architecturally, the station utilized recycled building materials and use of regional materials, including the masonry block. Low emitting/low VOC materials, finishes and coatings were used for the building’s floor-
ing, paints and sealants. The windows are tinted, dual glazed and operable for maximizing natural coastal breezes. This also reduces the air conditioning and heating loads for the facility. Installed A/C and heating equipment is very efficient and sustainable, with an energy efficiency ratio of 13. The refrigerant, R-22, has an Ozone Depletion Potential of less than 4 percent and the gas furnace has an efficiency above 92 percent with very low emissions. All of this
and four out of all five of Encinitas’ fire station are Domusstudio designed,” said Chief Henry of the Encinitas Fire Department. Fire Station No. 2, in Cardiff is currently in the planning process. Designs call for a new 6,330-squarefoot facility to be built by 2010 on a bigger site just east of the existing fire station off of Birmingham Drive, west of Interstate 5. Holtan noted that design of downtown Encinitas Fire Station No. 1 is also under way.
Encinitas. Voice instructor Ron Ebel will work with the students on vocal technique, song interpretation and staging. Call Ebel at (760) 757-3096 or visit vwww.Ronebell.com.
acting.For details, e-mail Pamplemousse will offer his email@example.com. culinary genius. Send donations and responses to Patrons of the July 18 “Patrons of the Prado,” Prado Auction, 501 W. the annual gala and auction Broadway, Suite A-239, San fundraiser, is set for July 18. Diego, CA, 92101. Call 910-6516 or The black-tie gal will benefit (800) San Diego Junio Theatre, e-mail email@patronsof the San Diego Museum of thepradoauction.com for Natural History and the details. Timken Museum of Art. The theme of the event is July 16 Encinitas Classic Car “Inrique on the Orient Express” and it will be head- Nights continue July 16 lined by Grammy Award- from 5:30 to 7:30 p.m. in winning singer Steve Tyrell downtown Encinitas. The from the Café Carlyle in event is sponsored by the New York. Jeffrey Strauss of Downtown Encinitas Main
Zazzaro at (760) 438-0554. For Sons of Italy Membership call Sadie at (858) 537-9878. Visit www.sonsofitalysandiego. July 13 com Coast Kids Theatre will conduct a summer workJuly 13 Encinitas School of shop from 9 a.m. to noon Music will offer a camp for July 13 through July 25, Lutheran kids interested in vocal pro- Bethlehem duction and performance Church, 925 Balour Drive, from 12:30 to 2:30 p.m. July Encinitas. The workshops 13 through July 17, will focus on audition techEncinitas School of Music, niques, voice, dance, and 775 Orpheus Ave., improvisation
meets and exceeds the California Energy Commission standards. And much of the fire station’s equipment prior to demolition has been refurbished for reuse today in the kitchen and laundry area. Like Fire Station No. 3, Encinitas Fire Stations No. 1 and No. 2 will be replaced in a multi-phased design and construction schedule stretched out over the next several years. “We will have four stations less than 10 years old,
Street Association. Save the date The 30th Anniversary Community Resource Gala will be held from 6 to 10 p.m. Sept. 26 at the Del Mar Fairgrounds Mission Tower. The event will include dinner, a program and an auction. Black-tie optional. RSVP at www.crncc.org or call (760) 230-6305. There is an early bird special on tickets for $150 through Aug. 31. Tables of 10 are $1,500, individual tickets are $175.
Cutting continued from 5 us out of business.” In any economy, it’s a bad business decision to have one client generate more than 25 percent to 30 percent of your total sales. Can your business survive if your biggest customer walked out the door tomorrow? If not, look to increase business from other existing clients and bring in new accounts. At the same time, do everything possible to make sure your No. 1 client is happy with your service. Don’t get blindsided! Have a contingency plan Life rarely goes according to plan; neither does business. If your largest customer walks out tomorrow, what is your backup plan? If your credit line gets unexpectedly cut, do you have a plan B? If your top salesperson jumps ship, do you have a succession plan? Whether you’re going in reverse, moving straight ahead, or taking a completely different route, your navigational skills will determine your chances of survival and success in 2009. Have a solid plan in place, be confident in your abilities, and don’t take “no” for an answer. Carpe Diem! Brian Moran is president of Paramus, New Jerseybased Moran Media Group, a publisher of relevant information for small business owners. Moran is a member of the U.S. Chamber’s Small Business Council.
Niches continued from 6 beautiful thing. Rebecca Boenigk is the president of Neutral Posture, Inc., a Texas small business she founded with her mother 20 years ago. Rebecca and 75 employees manufacture really comfortable and ergonomically correct office chairs. She told me that her business is doing “just fine in 2009” because it fills a niche, instead of trying to be all things to all people. In the future, there won’t be more mass marketing, mass media, or mass distribution. But there will be more niches — lots of new niches. Don’t worry, “mass” business models aren’t going away anytime soon. But they won’t grow like niches. And that’s good news for small business and the future of 21st century entrepreneurship. More niches mean a healthier small business sector, which I happen to believe is also good for the world. Write this on a rock — Most small businesses will find success in the future by creating and serving niches. Jim Blasingame is creator and host of The Small Business Advocate® Show.
ENCINITAS FIRST • JULY 2009
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sustainable lifetime exercise for everyone. I would like to thank the core group of volunteers without whose help this event would not be possible. Sandy Shapiro, Lorri Greene, Karen Svet, Anne Julian, Nick Christoph, Jaime DiDio-Aoyama, Mark Lathrop, Anna Hoff, Betty Steele, Brenda Dizon, Rodney McCoubrey, Kirk Fagergren, Parks and Recreation and DEMA staffs, and many others were integral to making this event something that Encinitas can be proud of. Thank you to sponsors such as EDCO and Dudek Engineering for their ongoing support these past three years. And, thank you to the city of Encinitas — those in City Hall as well as those in the streets, on the beaches and around the lagoons. And, thank you and congratulations to the staff at DEMA for their second annual Cottonwood Creek Film Festival to fill out the weekend. The day was filled with wonderful activities and occasions: The Encinitas Urban Bike Ride led cyclists through the city to the event. The Encinitas biodiesel-powered Coast Cruiser made its debut. The results of the Encinitas Low Carbon Diet Challenge were presented (one guess who won — the Encinitas Environmental Advisory Commission!). Great alternative fuel vehicles were on display from the modest electric scooter to the brand new Mini E all-electric Mini Cooper to the all-electric hair-raising speed demon Tesla. Poets from the Encinitas Environment Day poetry contest read their environmentally themed (“Handle with Care”) poems, and local musicians played throughout the day. The day culminated in the awarding of this year’s grand prize of an Electra bicycle (donated by El Camino Bike Shop) for those who walked or rode their bikes to the event. Congratulations to winner Dana Pearce of Encinitas. If you would like to help Encinitas or support Environment Day 2010, check us out at Here’s www.EEDay.org. looking forward to a great year and a great Encinitas Environment Day in 2010! Thank you.
need low taxes, limited government, and reasonable regulations. From health care to energy, there are positive free-market solutions that will help grow our economy and create jobs without busting the budget. We can ensure that more Americans have access to health care by permitting small businesses to collaboratively purchase insurance for their employees. We can ensure a clean energy future by investing in new technologies and renewable fuels. We can ensure that our children receive an education that prepares them for 21st century careers by encouraging innovation in our schools.
The list goes on and on. But that’s not what we’re seeing in Washington. Policymakers are, instead, offering proposals to expand the government’s role and influence over private economic activity in unprecedented ways. This is the wrong approach. We should be crafting solutions that
Wetlands continued from 4 the immediate boundaries of the reserve, conducting ongoing water monitoring and invasive plant removal programs in the 210 square mile Carlsbad Hydrologic Unit. A lot has already been accomplished in the protection and enhancement
unlock innovation, opportunity, and entrepreneurialism, not shackling businesses with expensive rules and mandates. Now, more than ever, the business community and other supporters of free enterprise must make the case to their elected officials, their colleagues, and their
communities for the value of our free enterprise system. Every day, the Chamber fights for an agenda to empower America’s entrepreneurs and small businesses. But we could use your help. We invite you to follow the lead of the small business owners who visited their elected officials during
America’s Small Business Summit. If every small business owner in America would write a letter, place a phone call, or visit their elected officials — to underscore the importance of free enterprise, individual initiative, and personal responsibility — it would have a huge impact.
of the lagoon, but a lot remains to be done. The future health of this precious place lies in the hands of its neighbors. As a community member, you can volunteer your time as a docent or during a volunteer work party, and you can contribute crucially important resources by joining the membershipbased conservancy. Only
together with the community can we provide the solutions necessary to ensure the fascinating diversity of the lagoon and its preservation for the
enjoyment of future generations. We invite you to be a part of that solution. For more information, please call (760) 436-3944 or visit www.SanElijo.org.
Got a business news tip? E-mail info to: EncinitasFirst@yahoo.com
MARY PURVIANCE Senior Vice President/Manager welcomes to the Encinitas Banking Center
JOAN FAUST Vice President/Assistant Manager
guarantees seat in the main auditorium and overlflow in the Family Life Center will be closed circuit TV.
CARMAN FOR REAL-FOR NOW Sat., July 25 • 6:30pm
Carman, a cultural phenomenon, with 15 gold and platinum CD's, 10 million sales, the largest CCM concerts in history: 80,000 plus, is doing the unconventional, again. Join Carman in an intimate LIVE setting, as he reveals the truth through Words and Music, behind the most controversial writer, actor and speaker. With over 1 million recorded conversions, Carman reveals his triumphs and tragedies as the most effective, yet entertaining soul winner of our generation. Don't miss "Carman: For Real-For Now"
777 Santa Fe Dr., Encinitas, CA 92024
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ENCINITAS Regional Banking Center
Encinitas Regional Banking Center 781 Garden View Court, Ste. 100 Encinitas, CA 92024 Phone 760-479-4340 Fax: 760-479-4341 San Diego Regional Banking Center 2550 Fifth Avenue, Suite 120 San Diego, CA 92103 Phone: 619-525-1700 Fax: 619-525-1705
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ENCINITAS FIRST â€˘ JULY 2009
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