October 9, 2015
Ms. America 2016 Crowned Julie Elizabeth Harman
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October 9, 2015
AVAILABLE
AVAILABLE
OCEAN VIEW
ESTATE HOME
Private and secluded estate home on over an acre. Offering approx. 4400 sq. ft Stunning home in a private gated community with an ocean view. Offering approx. with 5 bedrooms 5 baths and a bonus room. Very unique floor plan and excep- 4000 sq. ft with a 10,000 sq. ft. lot. Four bedrooms, four baths and a bonus. tional ugrades. Rock pool and spa, BBQ area and a sport court. Three car garage. Gorgeous backyard with pool/spa. Enjoy the sunset views and evening breezes.
altor re
1,499,000.00
24 San Simeon
$
1,889,000.00
AVAILABLE
CO
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2015
TO
$
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f so
top
23 Via Terracaleta
DE CA
OAK KNOLL
DOVE CANYON
Stunning curb appeal with brick exterior. This magnificent Toll Bros home offers Perfectly located on the fifteenth fairway of the Dove Canyon golf course. The 5900 sq. ft with 5 bedrooms, 5.5 baths and a loft. Stunning backyard with pool/ highly upgraded home offers panoramic views of the mountains and fairway. spa and full kitchen/bbq area. Breathtaking views of the mountains and city lights. Offering 5 bedrooms, 4.5 baths bonus and private office.
15 Flagstone
2,139,000.00
12 Indian Pipe
$
AVAILABLE
AVAILABLE
Debra Kovacs Direct 949.350.0146 debrakovacs@cox.net
FORMER MODEL HOME
Amazing golf course views! Located on the 18th hole of the south course. Offering approx 3100 sq. ft with 4 bedrooms and 4 baths. Large yard with a pool and totally redone with very nice upgrades. 6 Shoal Creek $1,099,000.00
Lauren Kovacs Direct 949.600.3672 laurenkovacs@cox.net
SOLD
Contact Us For Your Complimentary Home Evaluation...
1,329,000.00
$
SAN MARINO
Wow, what a lot and view! One of the largest lots in the tract. This plan 2 offers approx.. 6000 sq ft of living space and over a 12,000 sq. ft lot with endless views. Stunning upgrades and what a yard. Rock pool/slide, outside family room and sport court. 19 Longview $2,139,000.00
AVAILABLE
EXCEPTIONAL LOCATION AND LOT
ON THE GOLF COURSE
This beautiful home has a very open/spacious floorplan offering approx. 4700 sq. ft with a private Newly remodeled and picture perfect. Offering approx. 3700 sq. ft with 4 office and bonus room. This home sits on a culdesac location, long driveway and a 38,000 sq. ft. lot bedrooms and 3.5 baths. Amazing floorplan with pool and spa. Located on the golf $ .00 with endless views, pool and spa. Perfect family home. 48 Van Gogh $1,769,000.00 course with forever views. 45 Golf Ridge 1,174,000
THE KOVACS CONNECTION Where Integrity Meets Excellence www.DebraKovacs.com Cal BRE# 01277417 | 01927907
Information obtained from reliable sources but not guaranteed.
NMLS ID 118767
Direct 949.767.7111
65 Enterprise #355-B, Aliso Viejo, CA 92656. Rates, terms, and availability of programs are subject to change without notice. Licensed by the CA Department of Business Oversight CRMLA 4131040. All rights reserved.
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The San Clemente News
The Only Weekly Newspaper Exclusively for the San Clemente Area
October 9, 2015
Connect to color through your passions Whether you love to sit on the beach or collect antiques, drawing from your personal passions can help you find the perfect colors to enhance your space. “If a hobby or activity lifts your mood, surround yourself with things that remind you of it,” says David Bromstad, HGTV star and celebrity designer. “I always look to a homeowner’s passions when helping them decorate. And if you start with an established palette of coordinated colors, it’s easy to follow your instincts.” Bromstad recommends offers these tips for using color to express your passions. Head-for-the-beach colors. If you are inspired by the sea and sand, use maritime blues and dune grass greens to create a fresh, breezy feeling that beckons barefoot comfort. Create an indoor seaside retreat using rattan furniture, Sea Salt pale aqua walls and a table painted Rapture Blue both from the Coastal Cool collection. Complete the look with accessories such as seashells and clear vases that evoke sea glass washed ashore. Pick colors fresh from the garden. Let the colors of your favorite flowers, fruits and vegetables guide your color choices throughout the home. Evoke beautiful pink flower petals with Exuberant Pink on a bathroom accent wall; paint a desk in a fresh, Frolic green; or bring out citrus colors in the kitchen with orange Tango. Reference the Color Pizzazz collection for more bold inspiration.
Cook up some color excitement. Make your kitchen the ideal gathering place with deliciously warm and inviting colors. Spice it up with rich, saturated tones of Peppery orange and Grandeur Plum, found in the Global Spice collection. For room-to-room harmony, use Garden Sage or Edamame in an adjoining dining room.
Design around your collectibles. If you are an antiques aficionado, choose colors that celebrate the retro hipness of repurposed objects. Use colors like Bold Brick, or Urbane Bronze from the Urban Organic collection, to add substance to kitchen cabinets. Give a mudroom an eclectic twist with Armagnac walls and a Parakeet green bench.
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Stony Hill Proves That in California, What Is Old Is New Again HAPPY GRAPES
By David White Arnot-Roberts. Lioco. Matthiasson. Sandhi. These are just four of the producers that are counteracting the notion that ripeness, butter, and oak should define California Chardonnay. Across the country, thoughtful merchants and top sommeliers are showcasing these producers -- and a few dozen others -- to show consumers that the Golden State can offer elegant, restrained Chardonnay. These producers came up last week while chatting with Sarah McCrea, the third-generation proprietor of Stony Hill Vineyards in Napa Valley. McCrea’s family has been making graceful Chardonnay for more than six decades, and thanks to these newer producers, more consumers than ever before are taking notice.
McCrea appreciates the attention -- and doesn’t begrudge the new kids. “These wines are reintroducing America to a style of wine that went dormant for a long time,” she explained. “They’re reminding people that there’s a different way to make Chardonnay.” McCrea’s family has called Napa Valley home since 1943, when her grandparents, Fred and Eleanor, purchased a 160-acre goat ranch on Spring Mountain. They planted vines four years later, dedicating most of their property to Chardonnay. In 1952, the McCreas finished a small winery on their property and produced their first wine. Especially fond of white Burgundy, Fred McCrea decided to ferment and age his Chardonnay in neutral oak, believing that new wood would obscure his wine’s aromas and flavors. And he avoided malolactic fermentation -- the secondary fermentation that’s standard for reds and common with Chardonnay -- preferring the tart intensity of malic acid to the softer, buttery flavors of lactic acid. Little has changed over the past six decades. As vintners across California began chasing ripeness -- and thus, points -- in the 1990s, Stony Hill remained steadfast in its commitment to restraint. So
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the winery gained a reputation for delivering fresh, aromatic wines year after year. In addition to Chardonnay, Stony Hill produces small amounts of Riesling, Gewurztraminer, and Cabernet Sauvignon from its estate. Stony Hill’s winemaking style is now on the ascent. Sommeliers deserve much of the credit; their ranks have swelled over the last decade and they’ve convinced many consumers that elegance outperforms power at the dinner table. Influential writers like Jon Bonné of Punch and Eric Asimov of the New York Times deserve credit, too, for challenging conventions on ripeness and praising the California vintners who weren’t interested in fruit bombs. Jon Bonné chronicled California’s burgeoning shift from ripeness and power toward subtlety and poise in his 2013 book, The New California Wine. But, as McCrea pointed out, “New California” is a bit of a misnomer. Bonné readily admits that there’s nothing “new” about the California wines he praises. The shift is really a return to the way things once were. As he explained in an interview last year, “there’s finally this realization that what made California great as a wine region is very much being explored again, and being explored in a similar way to how it was successfully explored about 40 years ago.”
Consider Ridge Vineyards. The winery’s style -- which the winemaker describes as “pre-industrial” -- has been remarkably consistent since its founding in 1959. Its Monte Bello Cabernet Sauvignon is one of the greatest wines in the world each and every year. Or look at the wines from Stu and Charles Smith, the brothers behind Napa Valley’s Smith-Madrone. As the crow flies, their vineyard is virtually adjacent to Stony Hill. Since 1977, the brothers have ignored just about every twist and turn in winemaking fashions. There’s a market for unctuous, hedonistic wines, to be sure. But such wines aren’t part of California’s natural order. As Bonné continued when we chatted last year, “what’s happening now is really a new iteration of the pioneering spirit that put California on the world stage in the late ‘60s and early ‘70s.” Wi nes fr om popul ar, “ New California” producers like ArnotRoberts, Lioco, Matthiasson, and Sandhi are reminiscent of a bygone era. And thanks to Stony Hill, we know what that means. David White is the founder and editor of Terroirist.com, which was named “Best Overall Wine Blog” at the 2013 Wine Blog Awards. His columns are housed at GrapeCollective.com.
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San Clemente News is an independent weekly newspaper published every Friday. We are not owned or operated by any of the big daily newspapers. The views and opinions expressed are those of the publisher and not any organization. No reproduction, in whole or in part is permitted without the express written permission of San Clemente News. Legal Advertising: The San Clemente News was adjudicated by the Orange County Superior Court as a newspaper of general circulation pursuant to Government Code 6000 case #06CC00655 on March 21, 2006 and as such is the appropriate newspaper to place legal and public notices for the South Orange County Judicial District and the Cities of Dana Point and San Clemente.
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October 9, 2015
Iron matters for every body Fatigue. Dizziness. Irritability. Millions in the United States are experiencing these symptoms, but few know they may be the signs of a condition called iron deficiency anemia (IDA). IDA is most common among women of childbearing age and in those with special conditions, such as chronic kidney disease or gastrointestinal disorders that can cause bleeding. IDA can sap the energy of even the most energetic individuals. Flora Migyanka, a mother and fitness enthusiast, learned firsthand the impact of this condition. “I couldn’t drag myself out of bed and felt an overwhelming feeling of fatigue,” she says. “I had labored breathing and horrible headaches. I do a lot of yoga and even the simplest poses caused me to become short of breath. I was always cold and just didn’t feel right.” IDA occurs when someone does not have enough iron to produce sufficient red blood cells or makes red blood cells that are too small. There are many causes of IDA, but the most common include: blood loss, a lack of iron in the diet or an inability to absorb iron. While fatigue is the most common symptom of IDA, many patients also experience other symptoms, such as shortness of breath and an increased heart rate. Unfortunately, IDA is often missed because these symptoms can be attributed to other causes. “Many times, health care
professionals do not connect these common symptoms to a treatable condition like IDA,” says Robin Wachsman, an oncology nurse and nationally recognized IDA expert who currently practices at the West Clinic in Memphis, Tenn. “Health care professionals need to act as detectives and find the underlying causes of a patient’s suffering and patients need to be forthcoming about how they’re feeling. This is especially the case with IDA because, once diagnosed, the condition can be managed.” But even after diagnosis, some patients do not share lingering symptoms with their health care provider. It is important to remember that there are many treatment options for IDA, including diet and medications. It may take time for a health care professional to identify
the best way to manage a patient’s condition, so it is important for patients with IDA to keep their health care provider informed about how they feel. The Iron Matters campaign was recently launched by AMAG Pharmaceuticals Inc. to spread the word about IDA, its causes and symptoms. At IronMatters.com, visitors can get more information about the condition, read stories of other IDA patients and learn from experts. For those who have already been diagnosed, there are also tips for living with IDA. Anyone who suspects they may be suffering from IDA should speak with a health care professional. -Always consult with a physician before taking a medication or supplement to treat IDA.
A fear of the unknown keeps a lot of people from leaving bad situations. ~Kathie Lee
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October 9, 2015
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Stormy weather Preparations for El Niño 1. CREATE AN EMERGENCY FAMILY PLAN 2. EMERGENCY ACTION PLAN (RESIDENTIAL AND COMMERCIAL) 3. PREPARE A DISASTER SUPPLY KIT 4. SANDBAG CONSTRUCTION 5. SANDBAG SUPPLIERS 6. WHAT YOU NEED TO KNOW ABOUT FEDERAL DISASTER ASSISTANCE AND FEDERAL FLOOD INSURANCE 7. IF AN EVACUATION IS ADVISED Discuss what to do about power outages and personal injuries. Draw a floor plan of your home, and mark an escape route from each room. Locate the main electric fuse box, water service main, and natural gas main. Learn how and when to turn these utilities off. Teach all responsible family members. Keep necessary tools near gas and water shut-off valves. Remember, turn off the utilities only if you suspect the lines are damaged or if you are instructed to do so. If you turn the gas off, you will need a professional to turn it back on. Pick one out-of-state and one local friend or reative for family members to call if separated by disaster (it is often easier to call out-of-state than within the affected area). • Post emergency telephone numbers near telephones. • Teach children how and when to call 911, police and fire. • Teach children how to make long distance telephone calls. • Instruct household members to turn on the radio for emergency information. Pick two meeting places: • A place near your home in case of a fire. • A place in your neighborhood in case you cannot return home, • Learn the safest route from your home or job to high, safe ground in case you have to evacuate in a hurry, and be sure to keep your gas tank full!! • Take a basic first aid and CPR class. • Make at itemize list of personal property, including furnishings, clothing and valuables; photograph your home inside and out, which will help settle insurance claims. Keep photos in a safe deposit box. FOR MORE INFORMATION The federal Emergency Management Agency offers free publications on protecting your home and assembling and emergency kit, 1-800-638-6620. El Niño information is available on the agency’s web site: http://www.fema.gov RESIDENTIAL Losses due to flooding can often be cut dramatically by carrying out an effective pre- planned set of actions. The emergency plan may consist primarily of a checklist of things to be done and a little pre-thinki ng about where contents will be moved, who’s going to help, where things will be stored and so on. Among others, items on the emergency “to do “ list might include: • Moving items to be left in the structure to an upper floor or stacked Page 6
on top of each other to put at least some furniture above flood level. • Throwing curtains and drapes up over rods. • Pulling up and removing carpets and rugs. • Motors to be removed from furnace and other equipment located in the low levels of the house. • Unplug equipment that can’t be moved. • Assemble medicine, heirlooms, valuables and other items to be for taking during evacuation. COMMERCIAL Commercial and industrial sites offer the opportunity and need for more detailed planning and sometimes new construction or other preparations to facilitate putting the plan into action when necessary. This may include such things as: • Preparing electrical equipment for quick disconnect. • Preparing equipment for quick evacuation. • Keeping raw materials and products on pallets for quick removal. • Providing means for opening all necessary doors manually in the event of a power outage. Arranging for transportation when needed. • Arranging for storage space when needed. • Keeping on hand all items needed for rapid cleanup and restoration of production. EMERGENCY ACTION PLAN PREPARE A DISASTER SUPPLY KIT • List of important phone numbers (family, physicians, etc.) • Copy of insurance policy. • Credit cards and cash. • An extra set of car keys. • Inexpensive rabbit-ears television antennas to use when cable goes out. • Special items for infants, elderly or disabled family members. • Extra batteries. • Matches. • Clock (wind-up or batteryoperated). • Blankets or sleeping bags. • Scissors. • Plastic garbage bags. • Map of the area. • Clean change of clothes & rain gear. • A supply of non-perishable packaged or canned food and a non-electric can opener. • A first aid kit and prescription medications. • Flashlights and extra bulbs. • Battery-operated lanterns. (Candles and kerosene lanterns are fire hazards.) • Working fire extinguishers . • Battery-operated radio. • Assemble supplies you might need in an evacuation. Store them in an easy-to-carry container such as a backpack or duffel bag. Put aside in a special box in garage. Keep heat-sensitive items inside home and rotate stock throughout season. Batteries can go in refrigerator. WATER Having an ample supply of clean water is a top priority in an emergency. A normally active person needs to drink at least two quarts of water each day, hot environments can
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double that amount. Children, nursing mothers and ill people will need even more. You will also need water for food preparation and hygiene. Store a total of at least one-gallon per person, per day. You should store at least a two-week supply of water for each member of our family. If supplies run low, never ration water. Drink the amount you need today, and try to find more for tomorrow. You can minimize the amount of water your body needs by reducing activity and staying cool. Store water in sealed, unbreakable containers. Identify the storage date and replace every six months Sandbags The use of sandbags is a simple, but effective, way to prevent or reduce floodwater damage. Properly filled and placed, sandbags can act as a barrier to divert moving water around instead of through buildings. Sandbag construction does not guarantee a watertight seal, but is satisfactory for use in most situations. Sandbags are also used successfully to prevent overtopping of levied streams and for training current flow to specific areas. Untied sandbags are recommended for most situations. Tied sandbags should only be used for special situations when pre-filling and stockpiling may be required for specific purposes such as filling holes, holding objects in position or to form barriers backedby supportive planks. Tied sandbags are generally easier to handle and to stockpile, however sandbag filling operations can generally best be accomplished at or near the placement site and tying of bags would waste valuable time and effort. If the bags are pre-filled at a distant location, due consideration must be given to transportation vehicles and placement site access. The most commonly use bags are untreated burlap sacks available from feed or hardware stores. Empty bags can be stockpiled for emergency use and will be serviceable for several years if properly stored. Filled bags of earth material will deteriorate quickly. A heavy bodied or sandy soil is most desirable for filling sandbags, but any usable material at or near the site has definite advantages. Course sand could leak out through the weave of the bag (to prevent this double bag the material). Gravely or rocky soils are generally poor
choices because of their permeability characteristics. Sandbag barriers can easily be constructed by two people, as most individuals have the physical capabilities to carry or drag a sandbag weighing approximately 30 pounds the use of sandbags is a simple, but effective, way to prevent or reduce floodwater damage. Properly filled and placed, sandbags can act as a barrier to divert moving water around instead of through buildings. Sandbag construction does not guarantee a watertight seal, but is satisfactory for use in most situations. Sandbags are also used successfully to prevent overtopping of levied streams and for training current flow to specific areas. HOW TO FILL A SANDBAG Filling sandbags is a two-person operation: One member of the team should place the empty bag between or slightly in front of widespread feet with arms extended. The throat of the bag is folded to form a collar and held with the hands in a position that will enable the other team member to empty a rounded shovel full of material into the open end. The person holding the sack should be standing with knees slightly flexed and head and face as far away from the action of the shovel as practical. The shoveler should carefully release the rounded shovel full of soil into the throat of the bag. Haste in this operation can result in undue spillage and added work. The use of safety goggles and gloves is desirable and sometimes necessary. For large-scale operations, filling sandbags can be expedited by using bag holding racks, metal funnels, and power loading equipment. However, the special equipment required is not always available during an emergency. Bags should not be filled more than half full or less than onethird their capacity. PLACEMENT Remove any debris from the area where bags are to be placed. Place the l/2-filled bags lengthwise and parallel to the direction of flow. Fold the open end of the unfilled portion of the bag to form a triangle. (If bed bags are used, flatten or fire the tied end.) Place succeeding bags on the folded or fired portion of the previous bag and stamp into place to eliminate voids and form a tight seal.
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The Only Weekly Newspaper Exclusively for the San Clemente Area
October 9, 2015
How to Create the Next Generation of Scientists It’s never too early to introduce children to science. In fact, research from the University of Pennsylvania shows that an early childhood filled with mental stimulation from educational tools results in more highly developed cognitive skills by the child’s teen years. While young children receive science, technology, engineering and math (STEM) education in school, it’s up to parents to enhance their exposure to these subjects outside the classroom. Whether they are creating bridges with plastic bendy straws or conducting messy science projects involving baking soda and a plastic bag, here are some resources parents can turn toward to help cultivate a new generation of scientific thinkers: Look to Your Community. Find local after-school programs or clubs that focus on STEM education. Many of these extracurricular programs are led by qualified instructors and offer hands-on experience in several STEM fields, such as computer programming, biology or chemistry. Additionally, after-school programs are excellent opportunities for children to socialize with others and make friends with similar interests. Turn to Technology. Spark imaginative learning by integrating technology into your child’s education. Tablets and other smart devices offer thousands of gaming applications that repurpose information in a fun and engaging way, captivating children with quizzes, puzzles, 3-D gaming and more – all in the name of science. Television shows, such as “Bill Nye the Science Guy” and others featured on educational children’s networks, can also open your child’s eyes to the many fascinating and remarkable areas of STEM subjects. Create Your Own Science Lab. Get creative and
browse Pinterest for crafty do-it-yourself STEM projects for kids. Incorporate one of your child’s favorite activities into a project that you can work on together, like creating a scientific model of their favorite animal. Additionally, these moments spent together will allow you to learn alongside your children, ultimately creating a bonding experience as you help them expand their minds. Enter Into a Science Competition Encourage your child to enter a local or national science fair, such as the Toshiba/National Science
Teachers Association ExploraVision program, the only STEM-related competition of its kind that allows kids to create ideas for new technological innovations in response to current real-world issues. Sponsored by Toshiba and administered by the National Science Teachers Association, the hands-on, creative learning experience helps K-12 students grow their problem-solving, creativity, critical thinking and collaboration skills. To enter into this year’s competition and learn more about the program, visit exploravision.org.
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The Only Weekly Newspaper Exclusively for the San Clemente Area
October 9, 2015
M s . Am e r i c a 2 0 1 6 C r o w n e d The Ms. America Pageant was held on August 26, 2015 in Brea, California where women from around the country came to compete for the title of Ms. America 2016. The Ms. America Pageant is open to women 26 years of age and up single, divorced or married and has no affiliation with the Miss America Pageant. On September 6, 2015, Ms. America Pageant CEO Susan Jeske received a letter from Amanda Wamunyima, the winner of the 2016 Ms. America Pageant, indicating that she is relinquishing her title and resigning as 2016 Ms. America. In her resignation letter, she stated she has discovered a medical condition which will require surgery that will leave her bed ridden “for months on end”. Ms. America® Pageant is saddened by this news and wishes Ms. Wamunyima the best in her recovery. The Ms. America Pageant is pleased to announce that Julie Elizabeth Harman, of Utah (originally named as first runner-up) has officially been named the new Ms. America 2016. Harman’s coronation took place on September 29, 2015 at Midvale City Hall, Utah where Major JoAnn B. Seghini officially placed the crown on her head. Harman is a vibrant, highly diversified, self-employed entrepreneur. Her degree with
Julie Elizabeth Harman Ms. Utah Page 8
Deborah Valis Flynn Ms. International International Cultural Studies and Elizabeth Harman (Utah) Communications has prepared her • 1st Runner Up – Ms. District of for a self-reliant lifestyle as a single Columbia – Allison Hill mother of two vivacious young • 2nd Runner Up – Ms. California daughters. She has spent over 20 – LaHoma Caudill years in the image and media business • 3rd Runner Up – Ms. Florida – as an award-winning professional Dee Lane photographer, model, actress, film • 4th Runner Up – Ms. Southeast director, speaker, talk show host, and – DeAnna Emborski musician. She currently serves on the The Ms. America Pageant looks board of several global nonprofits. forward to a wonderful year with all Because of the resignation, the three of the national queens, Ms. final results of America 2016 - Julie Elizabeth Harman the pageant now stand as: (Utah); Ms. America International • Ms. America® 2016 – Julie 2016 - E-Dee Martin (Colorado); Ms. International 2016 - Deborah ValisFlynn (South Carolina). Ms. America International 2016, E-Dee Martin from Colorado, works to inspire others to go from helpless to helpful by reminding them we all have the power to make a difference in someone’s life “one starfish at a time”. A Colorado native, E-Dee enjoys home improvement projects, weight lifting, movie night and spending time with friends and family including her three Miniature Schnauzer fur-babies. Ms. Martin holds a Bachelor of Science degree in Organizational Management and is a Vice President with one of the largest bank-owned equipment leasing/financing companies in the United States. Ms. International™ 2016 went to Deborah Valis-Flynn, Ms. South Carolina. Deborah has more than 25 years of volunteerism which spans the country as a National Ambassador for the Boys and Girls Clubs of America and as a fundraiser and volunteer for several children’s charities and child advocacy centers. She currently dedicates her time instructing “SMART GIRLS” group sessions and addressing women’s organizations on women’s health and
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wellness. Deborah has received more than 30 awards for her professional and civic work. SPECIAL AWARD WINNERS • Internet Voting Award - Ms. South Carolina, Deborah Valis-Flynn • Spirit of America - Ms. Illinois, Deborah Tuttle • Power of the Crown - Ms. Oregon, Desiree Quinn • Crown for a Purpose - Ms. Pennsylvania, Rena McQuaig • Media Award - Ms. Michigan, Rachael Adams • Woman of Distinction - Ms. North Carolina, Lisa Hedin • Photogenic Award - Ms. Southeast, DeAnna Emborski • Congeniality Award - Ms. Utah, Julie Harman • Community Service Award - Ms. F lorida, Dee Lane About Ms. America Pageant The Ms. America Pageant is open to women 26 years of age and up - single, divorced or married who are articulate, interesting, elegant and classy. Pageant competition is based on Interview, Evening Gown, Sportswear and On-Stage Question. The Ms. America® Pageant was created to “empower women across the nation,” celebrate their accomplishments, encourage involvement in community service, to use the “crown for a purpose” to make a difference. The Ms. America Pageant is a registered Federal Trademark with the USPTO in Washington DC since February 2000 and is one of the top pageant trademarks in the world. Reg. No: 2321477. Visit www.MsAmericaPageant. com for more information. Connect with Ms. America® 2016 on social media Facebook Fan Page at www. Facebook.com/MsAmericaPageant or on www.Twitter.com/MsAmerica.
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Services: • Vaccinations • Checkups • Emergency Visits • Surgery • Spays and Neuters • De-worming Come visit us at Camino Veterinary Clinic. Your pet will be in the best hands possible because we specialize in caring for your animal and treating him or her like one of our own. We strive to have a calm, worry free environment so your visits won’t be a struggle. Call us today and set up an appointment!
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JAMES D. STONE 30021 TOMAS, SUITE 300 RANCHO SANTA MARGARITA, CA 92688 TELEPHONE: (949) 433-9179 FACSIMILE: (949) 888-8829 E-Mail-jdstonelaw@netscape.net
www.caminoveterinaryclinic.com 620 Camino De Los Mares Ste. D, San Clemente, CA, 92673
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October 9, 2015
The San Clemente News
san clemente news R e sta urant Adele’s at the San Clemente Inn 2600 Avenida del Presidente, San Clemente 949-481-1222
Breakfast, lunch, and dinner
Agostino’s Ristorante Italiano Ocean view, food, bar, drinks, happy hour, open mic night.
34700 Pacific Coast Hwy., Ste. 100, Capistrano Beach 949-661-8266 Antoine’s Café Breakfast and lunch
218 S. El Camino Real, San Clemente 949-492-1763 Avilia El Ranchito Mexican Restaurant
204 Avenida Del Mar, San Clemente 949-498-5000
G ui de Juice Stop 641 Camino de los Mares, #D-100, San Clemente 949-493-0403
Coffee Bean & Tea Leaf 305 S. El Camino Real, San Clemente 949-498-1220
Great place in San Clemente to have breakfast. San Clemente Yogurt,
Beach Fire Restaurant
Tea, Coffee, Juice & Bakery
529 E. Ave. Pico, San Clemente 949-492-238
920 N. El Camino Real, San Clemente 949-498-3094
165A Ave Del Mar, San Clemente 949-369-9968
Duke’s Griddle & Grill
Los Patios Mexican Cocina Taco Tuesday and Happy Hour. 111W. Ave. Palizada #17, San Clemente 949-369-1399
Salt Creek Grille
Denny’s Restaurant Even people who have never stopped in San Clemente know where this is.
Historic location boasts Hormone- free beef, Kalua Pork Sandwiches, Draft Beers and Specialty Cocktails. Serving breakfast, lunch & dinner, kid’s menu, too.
204 S. El Camino Real, San Clemente 949-481-2040
The best Mexican food and fish & chips in San Clemente.
106 E. Escalones, San Clemente 949-492-4010 El Mariachi Restaurant & bar
Live music, fresh food, local art displayed. San Clemente’s fine dining experience.
204 Avenida Del Mar, San Clemente 949-366-3232 Beach Garden Café American breakfast & brunch star at this cozy, casual eatery.
618½ Avenida Victoria, San Clemente 949- 498-8145 The Beach Hut deli 2 Ritz Carlton Dr. & PCH, Dana Point 949-542-3351 Café Calypso
Great place to have a healthy breakfast and lunch.
114 Avenida Del Mar, #4, San Clemente 949-366-9386 Captain Mauris 149 Avenida Del Mar, San Clemente 949-498-8098 Carbonara Trattoria Italiana
Warm friendly service and family atmosphere.
111 Avenida Del Mar, San Clemente 949-366-1040 Page 10
La Galette Creperie 612 Avenida Victoria, San Clemente 949-498-5335
El Jefe Café Baja Fresh Mexican Grill 979 Avenida Pico, Suite A, San Clemente 949-361-4667
Rubio’s Fresh Mexican Grill Fresh Mexican food daily. 638CaminodellosMares,SanClemente Jack Curry, 661-6683
Charo Chicken 1021 Avenida Pico,#A, San Clemente 949-366-2650
1925 S. El Camino Real, San Clemente 949-369-5111
Fisherman’s Restaurant & Bar Everyone knows it is on the pier, but not everyone knows it has some of the city’s freshest seafood.
611 Ave. Victoria, San Clemente 949- 498-6390 Fratello’s Italian Family Restaurant
100’s of beverages, fresh fruit smoothies, gourmet teas, self-serve yogurt, coffees, tarts, baguette La Siesta Restaurant The freshest and most authentic Mexican sandwiches, creme brulee, tiramisu and food and drinks. much, much more.
Los Primos Mexican Restaurant Recently opened in late January taking over what use to be La Cosina de Ricardo. In the Presidio Plaza. Bringing the freshest, most authentic flavrs of Mexico to spice up the city.
401 South El Camino Real, San Clemente 949-498-7808
Molly Bloom’s Irish Bar & Restaurant 2391 S. El Camino Real, San Clemente 949-218-0120
Italian Cravings Pizza, pasta, sandwiches, and salads.
105 S. Ola Vista, San Clemente 949-492-2777 Iva Lee’s
34660 Pacific Coast Hwy. Dana Point 949-661-1005 Pier Shack & Grill
Really tasty food at the end of the very scenic San Clemente pier.
615 Avenida Victoria, San Clemente, 949-498-2247 Pipes Café
Breakfast, lunch, and coffee bar. Southern and Creole recipes with a 2017 S. El Camino Real, San Clemente modern twist also live Jazz. 949-498-5002
555 N. El Camino Real, Suite E, San Clemente 949-361-2855
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32802 Pacific Coast Highway at Crown Valley Pkwy., Dana Point 949-661-7799 Selma’s Chicago Pizzeria Pizza, pastas, gourmet salads, and a large selection of beer and wines.
218 Ave. Del Mar, San Clemente 949-276-2828.
Restaurant Reviews Wanted!
Have you dined out recently in San Clemente? The San Clemente News Japanese, sushi. would like your opinion and we are 102 Ave. Victoria, #E, San Clemente actively looking for more reviews of 949-366-3669 local area restaurants that are NOT already listed on this page. Please New Mandarin Garden make it brief and informative with Chinese cuisine. 50 words or less. Reviews must 111 W. Ave. Palizada, Ste. A, include your name, phone or email San Clemente address (please do not send reviews 9449-492-7432 on fast food or strictly pizza places). Please send your Restaurant Review Olamendi’s Mexican to newseditorials@yahoo.com Restaurant Mr. Sushi
President Richard Nixon would eat no Traditional menu plus desserts and coffee drinks. other Mexican food than Olamendi’s.
638 Camino De Los Mares, #200, San Clemente 949-661-5200
Mesquite grilled steaks, chops, seafood and Sunday brunch too! Dinner nightly, Live Jazz, Full bar, Distinctive Wines. In Dana Point.
Pizza Port
Pizza, pasta, and more.
301 N. El Camino Real, San Clemente 949-940-0005
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The Only Weekly Newspaper Exclusively for the San Clemente Area
October 9, 2015
HARLEM GLOBETROTTERS CELEBRATE 90 AMAZING YEARS World famous team announces The Great Assist program to help local communities. Celebrating 90 years of providing smiles, sportsmanship and service to millions of people worldwide, the world famous Harlem Globetrotters will bring their unrivaled family show to Honda Center in Anaheim on Saturday, Feb. 13, at 1 p.m. and 7 p.m., and on Sunday, Feb. 14, 2016, at 2 p.m., during their 90th Anniversary World Tour. Known worldwide as the Ambassadors of Goodwill™, the Globetrotters also announced today that they are giving back even more during their 90th year with The Great Assist program. Stars of the team will leave a mark in communities across North America with acts of goodwill during the tour that is set to play over 330 games in 260 cities. Fans are encouraged to visit GreatAssist.com to nominate a worthwhile cause or a deserving family in need of a smile, and the Globetrotters will help as many fans as possible throughout the tour. In addition to fan requests, the team is planning to bring their bullying prevention program to over 400 schools and community centers, talk to youth about character education and physical fitness, visit children’s hospitals and lend a hand to those in need.
On the court, the Globetrotters’ 90-year celebration will feature some of the greatest athletes and entertainers on the planet. With a star-studded roster featuring Big Easy Lofton, Ant Atkinson, Hi-Lite Bruton, Thunder Law, Bull Bullard and Cheese Chisholm– plus female stars TNT Maddox and Sweet J Ekworomadu* – the Globetrotters’
one-of-a-kind show is unrivaled in the world of family entertainment. Every game will showcase incredible ball handling wizardry, rim-rattling dunks, trick shots, hilarious comedy and unequaled fan interaction. After the game, Globetrotter stars will sign autographs and take photos with fans.^ Tickets start at $19.00 and are now available at harlemglobetrotters. com, ticketmaster.com, or by phone at 800-745-3000. Tickets will be available at the Honda Center Box Office beginning Wednesday, Oct. 14. Information on group and scout tickets can also be found at harlemglobetrotters.com. As part of the launch of The Great Assist, the Globetrotters performed before fans in Times Square in New York City on Oct. 6 and named TV personality Robin Roberts as the 10th Honorary Harlem Globetrotter in history. Roberts joined the likes of Henry Kissinger, Nelson Mandela and Pope Francis, who was honored at the Vatican this past May. The Honorary Harlem Globetrotter accolade recognizes an individual of extraordinary character and achievement who has made an everlasting mark on the world.
Roberts has provided inspiration for millions, as she has publicly battled life-threatening health issues. The Harlem Globetrotters® are a worldwide icon, synonymous with oneof-a-kind family entertainment and great basketball skills. Throughout their history, the Original Harlem Globetrotters have showcased their iconic talents in 122 countries and territories on six continents, often breaking down cultural and societal barriers while providing fans with their first-ever basketball experience. Proud inductees of the Naismith Memorial Basketball Hall of Fame, the Globetrotters have entertained hundreds of millions of fans – among them popes, kings, queens, and presidents – over nine thrilling decades. Sponsored by World Vision, Greyhound Lines and Baden Sports, Harlem Globetrotters International, Inc. is a wholly-owned subsidiary of Herschend Enterprises, the largest family-owned themed entertainment company in the U.S. For the latest news and information about the Harlem Globetrotters, and to purchase tickets and team merchandise, visit the Globetrotters’ official Web site: www.harlemglobetrotters.com.
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The Literacy Project’s Gala Raised over $125,000 for Reading Program for Kids The Literacy Project’s (TLP) 6th Annual Benefit Gala, “What Dreams Are Made Of” was held at the Island Hotel with over 200 guests enjoying the black-tie formal event – they raised over $125,000 to help TLP provide their proprietary 30-hour reading program at no cost to struggling readers in elementary school classrooms across Southern California. CEO of Wienerschnitzel, Cindy Galardi Culpepper received the “Literacy Dream” award for her generous sponsorship and for the continuous support and involvement as a TLP board member. Event Chair since TLP’s inception, Jeannie Lawrence was also recognized with the “Dream Maker” award for years of volunteerism and leadership. Highlighting the event were three recent graduates from Anaheim City School District, who showed tremendous improvement after completing their program, accompanied by their Role Models, adults who represent the career they dream to have in the future. Equipped with “Dream Cards” and illustrations of their perfect job, students bravely took center stage to dazzle the crowd with their confidence and aspiring dreams of being successful, literate adults. The Role Models helped with the kid’s speeches by first telling their own stories of how they selected their careers and became accomplished. Linda Clinard, Retired Teacher/Member of Dean’s Advisory Committee for the UCI School of Education served as a Role Model to Yamileth; Brian Fargo, Video Game Developer/ CEO, Inxile Entertainment served as a Role Model to Leiden; and Suzy Casey, Pilot/Community Leader was a Role Model to Clarisse. The children’s emotions and excitement on this special day filled the room, leaving no doubt of the purpose of the event. Representatives of the Disneyland Resort were originally in attendance to hand out admission tickets to the resort’s theme parks to the three graduates of The Literacy Project reading program who appeared on stage. However, philanthropists, literacy experts and passionate supporters of education were astounded when Jill Bolton, Disneyland Resort’s Director of Corporate Citizenship made the surprise announcement that TLP was the latest beneficiary of a $60,000 grant from the Disneyland Resort’s Million Dollar Dazzle in honor of Disneyland’s 60th Diamond Anniversary! Sue Grant, CEO/Founder of The Literacy Project stated, “Over the years Disneyland Resort has been a generous supporter, but this grant will guarantee hundreds more of struggling readers in the Anaheim School Districts will receive our program.” On hand was Disney Ambassador Jessica Bernard to help present the check. Lucas Film’s, a major sponsor based in Washington D.C., delivered a poignant video on the agency’s success and service to at-risk kids. The film struck an emotion from every guest in the room as the film drove home the message that TLP is “bridging the literacy gap” among 2nd graders to help produce literate adults. To date, The Literacy Project (TLP) has helped more than 3,700 struggling readers throughout Long Beach, Orange County, Los Angeles, and Coachella Valley school districts. TLP offers a comprehensive instructional reading program that improves both academic and attitudinal levels of students performing far below English proficiency standards. The academic segment utilizes a reading game, which was co-developed by The Regents of the University of California. Aligned with Common Core and collaborative learning methods, TLP conducts 30 one-hour sessions, five days a week, during a six-week program cycle. The program is administered by TLP’s Master Teachers who are highly credentialed as reading and language arts specialists. The program is provided at no cost to both the school and atrisk students in the second grade. The program teaches the fundamental principles of phonics and literacy in all three learning modalities—auditory, visual and tactile—critical to children with varying learning styles. For more information, please visit www.literacyprojectfoundation.org. Page 12
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Holding the $60,000 check from Disneyland Resort - Jessica Bernard, Sue Grant and Jill Bolton.
Dennis Kuhl from Angels Baseball with Michelle Hatch.
Co-Chairs Jeannie Lawrence and Lisa Torres.
Suzy Case with Clarisse. (Suzy is a Pilot, and Role Model to Clarisse).
Brian Fargo with Leiden (Brian Fargo is a Video Game Developer with Inxile Entertainment and Role Model to Leiden).
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October 9, 2015
Swapping ingredients and habits for healthier living When it comes to cooking, you’re always on the lookout for new recipes, easy shortcuts and ways to make familiar recipes healthier without sacrificing the great taste. If you are a health-minded cook, here are some tips to get you started: 1. Add colors to your foods - Colorful fruits and vegetables quickly decorate a traditional recipe and make food appear much more appetizing. Look for deep greens in spinach, vibrant reds in tomatoes and a rainbow of colors in peppers to add to your casseroles, lasagnas or meat dishes. 2. Swap out the plate size - It may surprise you to learn serving meals on smaller plates encourages people to eat less food. So downsize your dinner plates, and you might find your family eating the proper portions. You’ll also ensure they clean their plates! 3. Change your take-out menus to meal plans - If you have a stack
of take-out menus in your home, replace them with recipes and a daily meal planner. Having a planner will help you arrange a weekly grocery shopping list and save you time and money by limiting the number of nights you eat out. 4. Flip the after-dinner routine Instead of settling down into the couch after dinner, jump start your digestion and take a family walk around the neighborhood together. For healthy bodies, the Centers for Disease Control and Prevention recommends people work their way up to 150 minutes of moderate-intensity activities per week, which can include a brisk walk (at a 15-minute mile pace). 5. Vary the ingredients - If you already have family-favorite recipes, look them over to see if there are ways to swap healthier ingredients in place of others. For example, corn oil can help lower LDL or “bad” cholesterol more than extra virgin olive oil, according to a recent study sponsored in part by ACH Food Companies, Inc. which sells Mazola(C) Corn Oil. The research found plant sterols, which are naturally present in corn oil, have heart healthy benefits such as preventing the absorption of cholesterol in the body. Corn oil contains more cholesterol-blocking
plant sterols than other cooking oils, making it a healthier swap for your favorite recipes. If you’re looking for a new delicious recipe that uses corn oil, check out this Kick’N Chicken recipe: Kick’N Chicken with Mango Salsa Ingredients: 4 boneless, skinless chicken breasts (one pound total) 2 tablespoons Weber Kick’N Chicken Seasoning 1/4 cup Mazola(C) Corn Oil 3 tablespoons fresh lemon or lime juice Mango Pepper Salsa 2 cups diced fresh mango, 1/4-inch dice 1 cup diced red bell pepper, 1/4inch dice 3 tablespoons minced red onion 1 tablespoon minced jalapeno pepper 1 tablespoon fresh lemon or lime juice 2 tablespoons minced, fresh cilantro Salt and pepper to taste Instructions: Preheat grill to medium heat, or between 350 to 450 F. Trim excess fat from chicken, rinse and pat dry using paper towels. If necessary, pound chicken to an
2 for Tuesdays 2 Large Pizzas 2 Toppings 2 GO $20.00
even 1/2-inch thickness using a mallet, rolling pin or cast iron skillet (this will ensure the chicken cooks evenly). Place chicken into a 1-gallon size resealable plastic bag. Add seasoning, oil and lemon juice to the bag. Seal bag and turn to thoroughly coat chicken. Grill chicken over direct high heat for 6 to 8 minutes. Turn chicken and continue to cook for 6 to 8 minutes until cooked through. Transfer cooked chicken to a serving plate. Combine salsa ingredients in a bowl; stir and season to taste with salt and pepper. (Can be made up to 8 hours ahead and refrigerated until ready to serve.) Top grilled chicken with mango salsa and serve immediately. Recipe tip: Try slicing the chicken onto warm, low-fat tortillas, top with mango salsa and crumbled queso fresco cheese for delicious spicy chicken wraps.
Wine Wednesdays 40% Off Bottles of Wine No Glut w Serv ing en Past Free P iz a& Rav za, ioli
Come in, sit down, you’re family at, San Giovanni Ristorante Special Events * Full Service Catering www.sangiovanni.us 31931 Dove Canyon Drive Hours: Dove Canyon, CA 92679 Open Daily (949) 589-1900 5:00 pm - 9:00 pm The San Clemente News
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October 9, 2015
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Junior Rider Eve Jobs and Quickley 3 Are Best in Scarlett’s Derby
Eve Jobs and Quickley 3, with Francie Steinwedell-Carvin, Susan, Andy, Serenity and Summer Phillips, Robert and Hillary Ridland, and Melissa Brandes. On the Derby Field at the Rancho Mission Viejo Riding Park at San Juan Capistrano, competitors and spectators all gathered for the final event of the day, the $10,000 Scarlett’s Speed Derby, presented by Walter Oil & Gas. Now in its second year, this special event occurs in the Spring and Fall seasons to benefit the Park Place Foundation for children and teens, and bring attention to the stories that drive the organization’s mission. Today, the Foundation presented “Francie’s Story”, Francie Steinwedell-Carvin’s deeply moving account of her journey to find sobriety and happiness, which she shared at the event. Read more of Francie’s story here. In a course that rewarded bravery and speed, Eve Jobs and her speedy mount Quickley 3 took advantage of the faults converted format to take home the top prize. With specs at 1.30m, FEI course designer Mauricio Garcia’s 15-element track had its share of challenges. One of the toughest parts of the course came after the open water at fence 5, where riders had to regain balance and shorten on a bending line to the oxer-vertical one-stride at 6a-b. More than half the class carried just a bit too much momentum into the double and had a rail. Riders also navigated several natural obstacles, including a devil’s dike, a bank and a hill. Page 14
In the faults converted format, having a rail didn’t necessarily mean the win was out of reach. A speedy track could make up the four second penalty incurred from lowering the height of a jump. Several riders took advantage of this format, including 16-year-old rider Eve Jobs and her wonderful chestnut gelding, Quickley 3. From the seventh spot in the order, Humberto Quirarte and Saffier proved that Garcia’s track was conquerable as he turned in the first and only fault-free effort. Opting for a slightly conservative route, he crossed the timers in 96.38. A short-lived lead, as Jobs put her horse’s ‘speedy’ name to the test as she galloped smoothly around the track, shaving off very valuable seconds early on. It wasn’t until her gelding had a rail at fence 7, the oxer leading into the devil’s dike, that Jobs knew she would have to keep on galloping if she still wanted to come within striking distance of Quirarte’s time. She did just that, soaring over the last oxer in a time of 91.81. Once the four second penalty was added, her final time of 95.81 was just fast enough to take the lead and ultimately the win. Still young and gaining miles, Jobs said, “This is my first derby. My horse was phenomenal. I thought the course was great; it incorporated all the fun parts of the arena, and it was fast.” She went on about her horse,
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known at the barn as Pickle. “I got him in April from Andrew Welles. He’s 10 years old and he’s just a fireball. When he goes in the ring, he just knows his job. He’s like a dirt bike - so much fun. I normally jump him in the lows, which is about 1.30m, but our goal is to step up to the highs, some speed classes and hopefully some more derbies.” Friday Finals From young horses to young riders, the International Jumping Festival is full of finals in several fields. With over forty-five entries, the five, six and seven-year-old jumpers completed their second rounds, take a show rest tomorrow and return on Sunday for the final rounds of the second annual
Eve Jobs and Quickley 3.
Blenheim Young Jumper Finals, presented by Fairbanks Valley Farm. Two of the three phases tested competitors in the Platinum Performance/USEF Show Jumping Talent Search Finals West. First, riders were asked to perform a specific test on the flat in the Pacific Field. Later, the Grand Prix Field hosted the challenging gymnastics phase. With one jumping phase and the Final Four test remaining, the top six riders are just eleven points apart. But as in any competitive environment, these standings can change quickly as the show jumping phase further tests their skills. Photos by McCool
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October 9, 2015
D i a n a K r a l l R e t u r n s to S e g e r s t r o m C e n t e r f o r t h e A r t s i n h e r Wa l l f l o w e r W o r l d To u r Segerstrom Center for the Arts welcomes multi-Grammy® Award-winning jazz pianist and world renowned singer, Diana Krall, in a one-night-only concert on Saturday, December 5 at 7:30 p.m. in Segerstrom Hall. The concert is part of Krall’s Wallflower World Tour. In her return to the Center, Krall will perform material from her stunning new album Wallflower and favorites from her vast catalogue of recorded material. Tickets for Diana Krall start at $59 and will go on sale Sunday, September 13 at 10 a.m. PT. Single tickets will be available online at SCFTA.org, at the Box Office at 600 Town Center Drive in Costa Mesa or by calling (714) 556-2787. The TTY number is (714) 556-2746. Produced by 16-time GRAMMY® Awardwinning producer David Foster, Wallflower finds Krall breaking new ground with her interpretations of some of the greatest pop songs of all time. The album features popular classics from the late 60s’ to present day that have inspired Krall since her early years, as well
as an unreleased composition from Paul McCartney (“If I Take You Home Tonight”). The Wallflower World Tour will feature Krall performing pop classics such as The Mamas and the Papas’ “California Dreamin’,” The Eagles’ “Desperado” and Bob Dylan’s “Wallflower,” which inspired the album’s title track, among others. Krall will be accompanied onstage by Anthony Wilson (guitar), Dennis Crouch (bass), Stuart Duncan (fiddle), Karriem Riggins (drums) and Patrick Warren (keyboards). Diana Krall is the only jazz singer to have eight albums debut at the top of the Billboard Jazz Albums chart. To date, her albums have garnered five Grammy® Awards, eight Juno® Awards and have also earned nine gold, three platinum and seven multiplatinum albums. Her unique artistry transcends any single musical style and has made her one of the most recognizable artists of our time. For more information on Diana Krall, please visit: http://www.dianakrall. com/ https://www.facebook.com/ dianakrall @dianakrall Diana Krall
Your Credit Score: Updates You Should Know By Jason Alderman Credit scoring has evolved over the last three decades and this fall, FICO made one more important change. Borrowers who have struggled with medical debt and those with a limited credit history might see better FICO numbers in the future. Even if these situations don’t apply to you, understanding how credit scoring is changing can help you better manage your credit over time. FICO Score 9, rolled out last fall, is described as a more “nuanced” version of the original FICO Score that the leading credit scoring company introduced in 1989. It is offered by three major credit bureaus – Equifax (www.equifax.com), Experian (http:// www.experian.com) and TransUnion. (http://www.transunion.com). It now bypasses collection agency accounts and weighs medical debt differently than non-medical debt on a person’s credit record. Borrowers with a median score of 711 whose only negative credit data comes from medical collections will see their credit score go up 25 points under the new system. As for consumers with limited
credit histories – what the industry calls “thin files” – FICO says the new system will better determine the ability of someone in that situation to repay a debt. What doesn’t FICO 9 address? At this point, the latest credit-scoring model really doesn’t loosen or change requirements for mortgage and refinancing opportunities. Even so, there are many things ordinary borrowers can do to improve their credit scores and overall financial health over time. The first step is for borrowers to review each of their credit reports once a year. Credit reports and credit scores are two different things. Consider credit scores are a threedigit summary of creditworthiness; credit reports are the detailed record of a borrower’s credit history. Consumers can view each of their credit reports from Equifax, Experian and TransUnion once a year for free (www.annualcreditreport.com). Stagger receipt of each agency’s credit reports throughout the year to weed out any inconsistencies, inaccuracies, or worse, indications of fraudulent credit applications or
identity theft. Borrowers are seeing something else that’s new – some lenders are making the credit scores they apply to existing borrowers available for free. A few major lenders have taken part in the industry-only FICO Score Open Access Program, which lets current customers see the exact credit scoring data applied to them at no charge. FICO’s site doesn’t offer the names of participating lenders, but a customer should ask their lender if they are offering free scores through that program. Consumers should know how credit scores are compiled. FICO uses five key ingredients: • Payment history (35 percent) • Amounts owed (30 percent) • Length of credit history (15 percent) • New credit (10 percent) • Types of credit used (10 percent). Visit www.myfico.com for a list of tips for borrowers to improve their scores. Base FICO scores have a 300 to 850 score range, and though FICO doesn’t release what it considers good or bad scores, borrowers with excellent credit typically have scores
in the mid-700s and up. There are ways to preserve and raise existing credit scores. It might be wise for borrowers to ask if they can increase the credit limit on individual accounts while paying down existing balances on those accounts. Smart borrowers generally keep their outstanding balances at 30 percent or less of their available credit limit. Bottom line: Smart credit management starts with an understanding of one’s credit reports and credit scores.
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October 9, 2015
Wrinkle-busting skin care tips for boomer women
Time brings plenty of changes, yet the desire to have healthy, goodlooking skin transcends age. While some skin-care tactics such as sunscreen and moisturizing apply to skin of any age, baby boomers need to update their skin care and makeup strategies to ensure their skin stays healthy and youthful-looking as long as possible. Fine lines, wrinkles and discoloration are only the most visible symptoms of aging skin. Others are less obvious but every bit as damaging. Dehydration, loss of elasticity and slower cell regeneration also affect skin health, and how good you look at any age. If you’re a baby boomer, it’s important to update your skin care and makeup regimen to keep your skin healthy and looking its best. Here are four skin care secrets every boomer woman should know: 1. It’s not the number of years, it’s how well you’ve cared for your skin during them. Age causes certain changes in the skin; cell turnover and renewal slows down, skin cells become less adept at retaining moisture, and skin becomes more sensitive. Taking care of your skin throughout your life, moisturizing, exfoliating and using sunblock can help skin stay healthier and more youthful longer. As we age, lifestyle habits start catching up to us, some of which have been decades in the making before we see the visible proof. While it can seem as if a wrinkle appears overnight, there is no fountain of youth or instant cure. It’s also never too late to start taking better care of your skin, and it is possible to enhance skin health at any age. For wrinkles and fine lines, look for products that contain firming ingredients that will help stimulate collagen production, antioxidants to help protect against free radical damage, and smoothing ingredients to encourage cell renewal. 2. Your clothing and hair style have changed in the past 20 years; your skin care products should, too. The moisturizer you used in your 20s may not be a good fit for your skin’s needs when you’re in your 50s. Baby boomers should look for skin care and makeup products Page 16
specifically designed to address common concerns of aging skin, such as wrinkles, fine lines and hyperpigmentation. The leading edge in addressing the appearance of wrinkles and fine lines is phytostem technology. Plant stem cells and firming active ingredients in the Cyto-luxe collection by glo therapeutics work to lift and tighten skin, as well as promote healthy cells and collagen production to reduce the appearance of wrinkles. Two new formulas, Vitamin C , which contains 20 percent L-ascorbic acid, and Hydration , address the top two causes of aging: sun damage and moisture loss. For boomer women concerned about hyperpigmentation, daily sunscreen should provide protection of 30 SPF or higher, and include ingredients that brighten and lighten skin, such as retinol and glycolic acid. 3. Update your diet to include the nutrients skin needs to age more gracefully. Good nutrition is important throughout life. Healthful nutrition is good for overall health, and it can help improve the skin’s appearance. Vitamins A, C and D are vital for skin health, and topical applications of A and C are also good for the skin. Boomer women should stay on top of hydration by drinking lots of water. Incorporate plenty of fresh fruits and vegetables, too especially those containing key vitamins. 4. Your look has matured and so should your makeup routine. The wrong makeup application can actually amplify the appearance of fine lines, wrinkles and pores. As skin matures, a “less is more” approach is often more flattering. Women in their 50s and 60s should explore a clean, classic look. To achieve this, use natural foundations that illuminate and hydrate the skin. Choose neutral shades of matte to satin eye shadows, apply eyeliner tight to the lashline, maintain wellgroomed eyebrows and add a natural flush to the cheek. Growing older doesn’t mean you have to give up being trendy and fun. “Use current trends as an inspiration and simply tweak or tone down the look, always keeping placement and blending in mind.”
The San Clemente News
The San Clemente News
San Clemente News Legal Notices NOTICE OF TRUSTEE’S SALE TS No. CA-14-650597-HL Order No.: 130129630 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 11/17/2006. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial Code and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): THOMAS HUGHES AND ANITA HUGHES HUSBAND AND WIFE AS JOINT TENANTS Recorded: 11/30/2006 as Instrument No. 2006000801548 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 10/16/2015 at 1:30PM Place of Sale: At the North front entrance to the County Courthouse located at 700 Civic Center Drive West, Santa Ana, CA 92701 Amount of unpaid balance and other charges: $2,553,544.81 The purported property address is: 28 N MONARCH BEACH RESORT, DANA POINT, CA 92629 Assessor’s Parcel No.: 932-900-71 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 916.939.0772 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-14-650597HL . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 916.939.0772 Or Login to: http:// www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-14-650597-HL IDSPub #0092030 9/25/2015 10/2/2015 10/9/2015
NOTICE OF TRUSTEE’S SALE TS No. CA-14-626593-AB Order No.: 8449535 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 7/17/2006. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial Code and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): HOWARD M LARKIN, A SINGLE MAN Recorded: 7/25/2006 as Instrument No. 2006000494915 of Official Records in the office of the Recorder of ORANGE County, California; Date of Sale: 11/9/2015 at 9:00 AM Place of Sale: At the Doubletree by Hilton Hotel Anaheim – Orange County, 100 The City Drive, Orange, CA 92868 in the Auction.com Room Amount of unpaid balance and other charges: $1,098,868.47 The purported property address is: 25492 WESTBORNE DRIVE, DANA POINT, CA 92629 Assessor’s Parcel No.: 673-192-01 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-14-626593AB . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, or the Mortgagee’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 800-280-2832 Or Login to: http:// www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-14-626593-AB IDSPub #0092402 10/9/2015 10/16/2015 10/23/2015
NOTICE TO CREDITORS OF BULK SALE (Division 6 of the Commercial Code) Escrow No. 026109-LR (1) Notice is hereby given to creditors of the within named Seller(s) that a bulk sale is about to be made on personal property hereinafter described. (2) The name and business addresses of the seller are: ARNOA, LLC, A CALIFORNIA LIMITED LIABILITY COMPANY, 831 VIA SUERTA #106, SAN CLEMENTE, CA 92673 (3) The location in California of the chief executive office of the Seller is: 831 VIA SUERTA #106, SAN CLEMENTE, CA 92673 (4) The names and business address of the Buyer(s) are: MJT WINE COMPANY, LLC, A CALIFORNIA LIMITED LIABILITY COMPANY, 31892 VIA MONTURA, SAN JUAN CAPISTRANO, CA 92675 (5) The location and general description of the assets to be sold are: FURNITURE, FIXTURES, EQUIPMENT, LEASEHOLD IMPROVEMENTS, STOCK IN TRADE AND TRADE NAME of that certain business located at: 831 VIA SUERTA #106, SAN CLEMENTE, CA 92673 (6) The business name used by the seller(s) at said location is: BARNOA WINE BAR (7) The anticipated date of the bulk sale is OCTOBER 27, 2015 at the office of: EXECUTIVE ESCROW COMPANY, 115 S. EL CAMINO REAL, SAN CLEMENTE, CA 92672, Escrow No. 026109-LR, Escrow Officer: L. RICHARDS (8) Claims may be filed with Same as “7” above. (9) The last date for filing claims is: OCTOBER 26, 2015. (10) This Bulk Sale is subject to Section 6106.2 of the Uniform Commercial Code. (11) As listed by the Seller, all other business names and addresses used by the Seller within three years before the date such list was sent or delivered to the Buyer are: NONE. DATED: OCTOBER 6, 2015 TRANSFEREES: MJT WINE COMPANY, LLC, A CALIFORNIA LIMITED LIABILITY COMPANY LA1590150 SAN CLEMENTE NEWS 10/9/15
The San Clemente News
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October 9, 2015
The San Clemente News
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The San Clemente News
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October 9, 2015
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October 9, 2015
The San Clemente News
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