Chamber Trip to Thailand
Higher-Density Housing Bill
INSIDE THIS ISSUE: China’s Growth Steadies P.3 | Census Risks CA Congress Seat P.7 | CA Wineries Shut Out P.11
Andrea Bailey Named Chamber Chair-Elect
Gavin Newsom Talks Homelessness
The Salinas Valley Chamber of Commerce is proud to announce that Andrea Bailey has been selected to be our Chamber Board Chair in 2020. Andrea has a strong background in business and management and has previously served in leadership roles with numerous Chambers, including in Richmond and Walnut Creek. Andrea Bailey (no relation to current Board Chair John Bailey) is often praised for her focus and execution. Terri Waller, employer partnership coordinator for the College and Career center at West Contra Costa Unified School Andrea Bailey District, lauded Bailey for her “vision, steady leadership and ability to get it done!” The Richmond Standard publication stated that “Bailey has been integral in providing funding for programs and resources to nonprofits, local governments, individuals and, as importantly, planning and organizing expertise. Her leadership has united community groups, nonprofits and other stakeholders in Richmond and North Richmond that have led to meaningful programs that help residents.” Bailey is working in Monterey County as part of the Policy, Government and Public Affairs team for Chevron. In this role, Andrea is responsible for developing and implementing their social investment strategy, developing their community and stakeholder engagement strategies, government affairs and managing community relationships. She also works closely with local nonprofits helping them serve their causes and communities while creating and building relationships that link resources with organizational needs through sustainable models that build capacity and maximizes effectiveness. In her former role as Community Engagement Manager for Chevron Bailey with local schoolchildren
by Sandra Emerson, The Press-Enterprise San Bernardino County’s work converting hotels and motels into housing for the homeless was among several initiatives that grabbed the attention of Gov. Gavin Newsom, who visited the area recently to learn more about the county’s efforts to combat homelessness. Newsom, who met with county leaders and formerly homeless people and service providers said he heard some big ideas to take back to Sacramento. “There are a lot of wonderful things happening at the local level,” Newsom said, while sitting next to Philip Mangano, chief executive of the American Roundtable to Abolish Homelessness, and Gary McBride, chief executive of San Bernardino County. During his campaign last year, Newsom said homelessness would be a priority for his administration. On Tuesday, he said he has been meeting with local leaders across the state to hear innovative solutions, some of which figure to get part of the nearly $2.5 billion in new funding the state has set aside for housing and homelessness programs.
BAILEY - Continued on page 6
HOMELESSNESS - Continued on page 6
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Government Regulations: Values and Priorities by John Bailey, Chamber Board Chair We in the Monterey County business community sometimes get so focused on our own operational aspirations that we might forget to see the big picture. A business owner who is planning on expanding into a new market sees only the opportunity, but seldom the additional work, or perhaps the additional soft cost to the community, which comes with potential new business. The same is true with our local governments which get to share in a slice of a bigger pie of revenues created by our collective dreams. However, local governments bear the unenviable burden of providing for the safety of our business expansions, while minimizing
the impact on the environment, and for the allocation of infrastructure and services to keep pace with business growth. Our local leaders need to strike a fine balance between the preservation of land as a valuable agricultural resource, providing housing for our growing workforce, and providing land for new development that can serve the growing need for higher paying jobs throughout Monterey County. Perhaps our local leaders are not given enough thanks from the business community for the job they do in striking that fine balance. When we take a moment to look through the eyes of the 4.6 million tourists drawn to our
Salinas Economic Development Element, Target Area N
County each year by the beautiful agricultural land, awe-inspiring sea and the local workforce that inspired John Steinbeck to write with such passion, even those of us fondest of using our full three minutes in public comment will have to agree, somebody has been doing something right. With that said, we at the Salinas Valley Chamber are always willing to work with local government to make things better. For that reason we have chosen, at the request of our membership, to make our work on the local permitting process a priority in 2019. But as we do so, we will continue to remember that we in the business community are working collaboratively with our public employees and elected officials who share our own values and priorities, and we will remember to take a moment to thank them for their service. ■
by Kevin Yao, Lusha Zhang, Reuters
economy. Many had expected a recovery only in the second half of 2019. Beijing has ramped up fiscal stimulus this year, announcing billions of dollars in additional tax cuts and infrastructure spending, while Chinese banks lent a record 5.8 trillion yuan ($865 billion) in the first quarter, more than the economy of Switzerland. “We need more evidence to call a full-fledged recovery. Our view for the economy is still cautious,” said Jianwei Xu, senior economist, Greater China at Natixis in Hong Kong. “We think it (the stronger-thanexpected data) is somewhat linked to the stimulus, but we can’t attribute it all to it.” Analysts polled by Reuters had expected GDP growth to slow slightly to
2019 BOARD OF DIRECTORS ■ Kalah
Bumba (Consultant Community/Health) ■ Esteban Calderon (Comerica Bank) ■ Raymond Costa (RHC Management, dba McDonald's) ■ Frank Geisler (Geisler3) ■ John Haupt (Haupt & Associates) ■ Albert Maldonado (MP Express Printing) ■ Rodney Meeks (Credit Consulting Services) ■ Tom Meyer (1st Capital Bank) ■ Kathy Miller (Aera Energy) ■ Krishna Patel (Valvoline Instant Oil Change) ■ Brandon Patterson (Brandon D Patterson Windermere Valley Properties) ■ Starla Warren (Monterey County Housing Authority Development Corporation)
CHAMBER LIAISONS ■ Peter
China's Growth Steadies China’s economy grew at a steady 6.4 percent pace in the first quarter, defying expectations for a further slowdown, as industrial production jumped sharply and consumer demand showed signs of improvement. The upbeat readings, which included faster growth in investment, will add to optimism that China’s economy may be starting to stabilize even as Beijing and Washington appear to be edging toward a trade deal. Investors have ranked China’s slowdown and the trade war as the biggest risks facing the faltering global economy. But analysts warn it is too early to call a sustainable turnaround, and further policy support is needed to maintain momentum in the world’s second-largest
2019 EXECUTIVE COMMITTEE Chair - John Bailey Alternative Dispute Resolution ■ Chair-elect - Andrea Bailey Chevron ■ Past Chair - Jim Bogart Grower-Shipper Association ■ Vice Chair, GRC - Kevin Dayton Salinas City Center Improvement Assn. ■ Vice Chair, Finance - Bill Hastie Hastie Financial Group ■ Vice Chair, Events - Julie Ann Lozano MBS Business Systems ■ Vice Chair, Membership - Kristy Santiago KION TV ■
6.3 percent in January-March from a year earlier. Quarterly growth was supported by a sharp jump in industrial production, which surged 8.5 percent in March on-year, the fastest in over 4-1/2 years. That handily beat estimates of 5.9 percent and 5.3 percent in the first two months of the year. Output of building materials such as steel and cement, as well as machinery, showed strong gains. Prices of steel reinforcing bars used in construction hit 7-1/2 year highs this week on firm demand. Industrial output growth will likely remain steady, with exports expected to keep expanding, said Mao Shengyong, spokesman at the National Bureau of Statistics. ■
Kasavan (SPARC) ■ Matt Huerta (Monterey Bay Economic Partnership)
LEGAL COUNSEL ■ Matt
PROFESSIONAL STAFF ■ Roxanne
Noble Boss Membership Director ■ Sydney Allred Member Services Coordinator ■ Phillip Saldaña Operations Manager ■ Thom Taft, Finance Manager ■ Paul Farmer CEO & Chief Member Advocate CREATING A STRONG LOCAL ECONOMY PROMOTING THE COMMUNITY PROVIDING NETWORKING OPPORTUNITIES POLITICAL ACTION REPRESENTING THE INTERESTS OF BUSINESS WITH GOVERNMENT
Bill Helping Homeless College Students By Ashley Keehn, KION A bill that would require community colleges to provide overnight parking for homeless students moved forward at the Capitol recently. Assembly Bill 302 states community colleges with on campus parking facilities would have to provide overnight parking for eligible homeless students living out of their car. Cabrillo College students told KION it's a bigger issue than most realize. "I have several friends that live out of their vehicles you know vans, trailers, trucks, it’s a lot more common than I think people are aware of," said Ben. According to a study released by the Hope Center for College, 19% of the 40,000 students surveyed reported being homeless within the last year. Assembly member Marc Berman, who introduced the bill, said if you put that in relation to the 2.1 million community college students in California, "that means that barely less than 400,000 students statewide have
experienced homelessness in the last year.” The bill text reads that students who want to use the facility would have to be enrolled in coursework, paid enrollment fees, if not waived; and is in good standings with the Community College District (CCD). The schools would also be required to provide bathrooms that are near the overnight parking facility, set rules for the facility and have a monitoring system with hours of operation. Foothill College student Matthew Bodo, who spoke at the Capitol, said he was homeless while going to school and working full-time. The biggest issue he had was finding a safe place to park overnight. “I resorted to sleeping nearby off campus, which was not received well by the residents of the area because it is not only illegal, but the residents did not take kindly to it. They did things like vandalize my car, which is a very big deal to me.” ■
CA Unemployment Rate Up
4.3% CA Unemployment Rate 4
EDD reports California's unemployment rate (seasonally adjusted) in March edged up to 4.3%. Total employment was down 16,900 from the revised February numbers, while total unemployment rose by 14,400. Total labor force was essentially unchanged with a dip of 2,500.
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Ambassador Committee Thank You for Volunteering for the Salinas Valley Chamber
Companies represented: Alain Pinel Realtors, Allied Universal Security Services, Always Best Care, ArcPoint Labs of Monterey Bay, A&T Tax Payroll and Bookkeeping, Caliber Home Loans, Coldwell Banker Gay Dales Realtors, Cypress Coast Law, Farmers Insurance District Office, HUB International Insurance, INOSOT, Laurel Inn & Conference Center, Magnitude Visuals, Quail Lodge & Golf Club, Quality Toner Products, Valvoline Instant Oil Change
CHAMBER TRIP - Thailand by (and with) Chamber CEO Paul Farmer
Life is to be lived.
Consider joining us for this phenomenal trip! The international trips coordinated by the Chamber have become so popular that now we’re offering two trips per year. (Note: you don’t have to be a member of the Chamber to join in on the fun). Our first trip this year was to Argentina/Brazil and it sold out. Our second trip is to Thailand and with the unbelievable value you’ll get, we’re expecting another sell-out. Why is Thailand such a Traveler Hot-spot? Thailand is a beautiful country… from the verdant mountains where you’ll see elephants in their natural habitat, to the stunning island beaches - Thailand has something to please most everyone. And the cost of traveling to Thailand is far less than it is to many other parts of the world. Because of this, Bangkok has been the most-visited city in the world for the last three years in a row. About this Trip First, we will be traveling on Singapore Airlines, one of the toprated airlines in the world. Second, we will be staying in 4-star hotels. Third, the sights…they’re astonishing. Our base trip brings you to worldfamous Bangkok and then goes up into the mountains of Chiang Mai and Chiang Rai, where you will visit magnificent ancient Buddhist temples and enjoy a fascinating boat ride along the river. In Chiang Rai, we will visit the Karen Hilltribe Elephant camp. Our “Best of Thailand” tour is offered at the fantastically low rate of $2199. That’s an 8-day trip. If you’ve got the time and a few extra bucks, you can add another seven days to visit the Islands of Thailand for another $799. Normally, we only get an extra two days for that amount. 1On this tour, you get a whole extra
2019 Chamber Trip
Waterfall in Chiang Ma
October 8 - 15, 2019 (first departure date) -OROctober 15 - 22, 2019 (second departure date)
week. That means you can see it all (or most of it), in a 15-day journey for less than $3,000. Wow. No wonder everyone wants to go to Thailand! Why Travel with the Chamber Traveling with the Chamber is a fantastic way to travel internationally with someone you trust and our group travel rates will save you plenty of dough and headache. The Chamber and our travel partner agency handle all the details so all you have to do is enjoy yourself. If you’re a single traveler who would like a roommate, we’re very good at helping pair you up with a new friend. Speaking of new friends, you’re guaranteed to make plenty of them on our trip! There are so many cool things to share, you’re going to have to learn more about it. Please join us for the no-pressure Travelers Information session on June 11 (details in the ad beside this article). Or shoot me a note: President@SalinasChamber.com Our traveler satisfaction is very high because the tours are top-notch, the pricing is very competitive (thank you, group discounts) and…let it never be said that I don’t know how to show people a good time! ■
(open to anyone)
8 Day Journey of a Life�me Includes 6 Breakfasts, Hotels, Airfare, Tours Highlights: Experience world-famous Bangkok, Chiang Rai, Chiang Mai. Buddhist temples, river boat ride, visit elephant camp. Featuring 4-star hotel accommoda�ons DISCOUNTED RATE:
Rate is double-occupancy Includes all taxes and fees $500 deposit holds your seat
Add 7 more days to see the islands of Thailand (including Phuket) for only $799 more!
When: Tues June 11, 6-7pm Where: Grower-Shipper Oﬃce 512 Pajaro St, Salinas Please RSVP: (831) 751-7725 www.SalinasChamber.com Or email us at: President@SalinasChamber.com
â&#x17E;&#x; BAILEY â&#x20AC;&#x201C; Continued from page 1 in Richmond, Andrea created and led the Community Revitalization Initiative, a $15.5 million investment in Richmond to create jobs, grow small businesses, expand job training opportunities and improve schools and access to quality education. The Community Revitalization Initiative focused on economic development and STEM Education and was the companyâ&#x20AC;&#x2122;s largest single investment in the bay area. Andrea started at Chevron in August 2009, bringing over 15 years of nonprofit experience and an extensive background in fundraising, capital campaigns, board and donor development, grant management, as well as organizational and strategic planning. Prior to joining Chevron, Andrea was the CEO for the American Red Cross in Contra Costa County for eight years. This work spurred her to start her own company; The Nonprofit Development Group where she consulted with nonprofits nationally and eventually took a position as
Development Director with GRIP, a local nonprofit before joining Chevron. She has a PhD in Clinical Psychology from UC Berkeley, an MBA in Management & Organizational Leadership and a BA in Business Administration.Â Bailey is excited to be part of the Chamberâ&#x20AC;&#x2122;s leadership team. Moreover, she shared, â&#x20AC;&#x153;I love working for Chevron. They are really committed to investing in the communities where we live and work. Over the last five years, Chevron invested over $3 million in local programs focusing on youth, STEM education, workforce/economic development, basic human needs and community and civic engagement throughout Monterey County.â&#x20AC;? Chevron believes that investing in STEM education is a national imperative so when you see Andrea out and about, supporting such initiatives, youâ&#x20AC;&#x2122;ll see that it reflects her companyâ&#x20AC;&#x2122;s priorities as well as her personal ethos. â&#x2013;
â&#x17E;&#x; HOMELESSNESS â&#x20AC;&#x201C; Continued from page 1 â&#x20AC;&#x153;The question for me is â&#x20AC;&#x2DC;Am I making a case to my legislature that Iâ&#x20AC;&#x2122;m directing those dollars appropriately?,â&#x20AC;&#x2122;â&#x20AC;? Newsom said. â&#x20AC;&#x153;Thatâ&#x20AC;&#x2122;s why Iâ&#x20AC;&#x2122;m here. I want to make sure that Iâ&#x20AC;&#x2122;m getting those dollars to the right places.â&#x20AC;? Earlier in the afternoon, Newsom was briefed by supervisors and county officials on five of the countyâ&#x20AC;&#x2122;s housing initiatives. Those included the countyâ&#x20AC;&#x2122;s effort to convert hotels and motels into dwellings. By at least one estimate, that effort is more economically efficient than new home construction. The American Roundtable to Abolish Homelessness projects that the cost of building studio and one bedroom apartments in San Bernardino County runs more than $350,000 per unit, while the acquisition and rehabilitation of motel and hotel units is estimated to cost $150,000 to $170,000 per unit.
Newsom suggested heâ&#x20AC;&#x2122;s interested in the project: â&#x20AC;&#x153;I want to look to redirect some of that money in a much more robust way in this space.â&#x20AC;? Newsom highlighted the countyâ&#x20AC;&#x2122;s work helping homeless people find jobs, saying that mindset is missing in much of the current discussion on homelessness, and in the current state budget. He also said the countyâ&#x20AC;&#x2122;s use of technology during its Point-In-Time Count in January was very important. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m looking for the novel. Iâ&#x20AC;&#x2122;m looking for the innovation. Iâ&#x20AC;&#x2122;m looking for the breakthrough,â&#x20AC;? Newsom said. â&#x20AC;&#x153;And, today, I heard a number of things that enliven me.â&#x20AC;? Leaders of agencies that provide services for the homeless, including Step Up and Lighthouse Social Service Centers, said theyâ&#x20AC;&#x2122;d like to see some money spent to expand mental health services and to speed up the process of providing housing. â&#x2013;
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Local Power Agency Expands Service Area by Kevin Dayton, Chamber Board
Monterey Bay Regional Public Power Agency Expands into San Luis Obispo County At its April 11 meeting, the Salinas Valley Chamber of Commerce Government Relations Committee received a presentation from Monterey Bay Community Power officials.
This “community choice aggregation” public power agency was established in 2017 to supply electricity to customers in Monterey, Santa Cruz, and San Benito counties. It is a government agency with a Policy Board made up of local elected officials (appointed by local governments) and an Operations Board made up of local government executives. Salinas City Councilmember Steve McShane is the city’s representative on the Policy Committee and Salinas City Manager Ray Corpuz is the city’s representative on the Operations Committee. Ratepayers received notices in 2017 via mail from the new agency informing them they would be automatically switched from Pacific Gas & Electric to Monterey Bay Community Power as
their electricity provider, unless they actively chose to “opt-out” of the switch and stay with PG&E. In the end, 97% of all electric customers in the coverage area became Monterey Bay Community Power customers, comprising 96% of all electricity demand. See the chart “Monterey Bay Community Power Enrollment by Community” to see what percentage of customers in your area are now customers. The cities of San Luis Obispo and Morro Bay (in San Luis Obispo County) have now joined Monterey Bay Community Power, and the agency is inviting the cities of Paso Robles, Atascadero, Pismo Beach, and Grover Beach and the County of San Luis Obispo to join as well. Some areas of Santa Barbara County served by PG&E may also end up having the option for Monterey Bay Community Power service. Monterey Bay Community Power even sent a letter of greeting to the City of Fresno, which is now looking at participating in community choice aggregation. Eventually most electric customers in the State of California will be served by a community choice aggregation public power agency. See the map “Community Choice Aggregation in California.” ■
Census Could Risk California Congress Seat by Sammy Caiola, Capital Public Radio Citizenship Question Could Impact Census Count, Putting California Congress Seat At Risk California could be at risk of losing a congressional seat depending on the results of the 2020 census, according to a new report. Changes to the count, including a new question about citizenship, could make it more likely that California’s population will be undercounted. A new report from the nonpartisan Public Policy Institute of California found that could cost the state a seat in the House of Representatives and money for public programs. The report found three of four residents in the state belong to at least one often undercounted population: children, young men, Latinos, African Americans and renters. PPIC ran multiple scenarios based on past census data and the possible percentage of hard-to-reach people that could participate. If population growth continues at the current rate, and the census count is as accurate as it was in 2010, then California is on track to keep its seats in the house, according to the report. If census takers do a poor job surveying hard-to-reach people, such as what happened in 1990, the group estimates more than 1.6 million Californians could be missed. That would put the state’s Congress seat in jeopardy, and impact what federal dollars it receives for public programs such as food assistance, low-income housing and foster care. “All we have at this point is warning signs,” said Eric McGhee, a co-author of the institute’s report. “It could turn out just fine. But there are things that should make us more
concerned, and especially vigilant. Some of the things put us in very new territory.” He referred to a new question about citizenship, which has not been asked on the census since 1950. California advocacy groups and some officials, including Secretary of State Alex Padilla, are fighting back against the question. They worry it will dissuade undocumented residents from answering the survey, making a miscount more likely. “There are really big concerns about how this information is going to be used,” said Christian Arana, policy director of the Latino Community Foundation, a statewide nonprofit group. “Residents have already been distrustful of government.” He said if the question remains on the census, local organizations will have to work with immigrant communities to tell them it’s safe to participate. “Everybody needs to be counted, because we know that political representation and federal dollars are at stake,” Arana said. The Census Bureau is bound by law to keep respondents’ answers private and cannot share them with Immigration and Customs Enforcement or any other government agency. California has allocated more than $90 million for census outreach. ■
tips & advice on digital marketing by Phil Fisk, President Coastline Marketing Group
How Not to Do Marketing Emails Marketing emails can be a great way to reach current or potential customers. However, there’s a right and a wrong way to do it. If you’re already sending out emails and not getting the desired result, you may be guilty of doing a few things that I highly recommend not doing.
Don’t Be Too Eager There’s nothing worse than getting an email seconds after subscribing or browsing a specific website. If you’re using an automated system, build in a lag so that people aren’t bombarded by you. Instead, wait a day and, then, send an email. Additionally, be sure that you have filters in place so that you’re not sending an email to someone who already purchased. It’s a great way to confuse (and lose) a customer when you send them an email asking for their business when they have already given it to you.
Stay Neutral Particularly when you’re emailing a prospective customer as opposed to one you’ve already been doing business with, stay neutral. Use openings like “Hi there” instead of calling them by their name and immediately telling them what you know about them. You don’t want to come across as a stalker. Instead, say hi and introduce your company to them in a natural way.
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Don’t Flood the Email Account Be cautious about how many emails you send and how frequently you send them. Especially if a person hasn’t opened the emails or clicked on any links after sending two or three, you need to take the hint. Consider building in a rule to discontinue the emails if they haven’t taken any kind of positive action after a certain number of sent emails.
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Don’t Make Assumptions Assumptions can get you into trouble more often than not. While cold calls (and cold emailing) may be a necessity, you have to do some research on your target audience. Why are you choosing this person to send an email? Did they opt-in for emails from you or did you buy their email address from a list? Whatever the situation, don’t make too many assumptions about what it is that they want. Let them tell you what they want. Marketing emails can be a great way to promote your business. However, put yourself in the recipient’s shoes for a moment. If you find the email to be creepy, overwhelming, or simply too much, that’s how the recipient is going to feel. Focus on knowing your target audience so that you can add more of a human touch throughout all that you’re saying to them. ■
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State Bill Encourages Higher-Density Housing by David Zahniser, Liam Dillon, L.A. Times L.A. City Council Opposes Zoning Bill by Democratic State Senator Scott Wiener For the second year in a row, the Los Angeles City Council has come out against a plan by a San Franciscobased state senator to lift restrictions on higher-density housing near rail stations, major bus routes and areas with high concentrations of jobs. On a 12 to 0 vote recently, council members authorized the city’s lobbyists to oppose Senate Bill 50 — authored by Democratic state Sen. Scott Wiener — one of a handful of bills targeting the state’s housing crisis. Councilman Paul Koretz, who represents part of the Westside, called the bill a “handout for developers” that would result in the destruction of historic districts and single-family neighborhoods. Councilman Mike Bonin, whose district includes coastal neighborhoods, warned that SB 50 would lead to the displacement of renters in lower-income sections of his district. “I’ve got a neighborhood, Del Rey — mainly low-income, mainly Latino community — that would be ravaged by this,” said Bonin,
whose district stretches from Los Angeles International Airport to Pacific Palisades. “There’s not enough protection in there.” SB 50 would allow developers to build four- to five-story residential projects near rail stations and major transit stops. In neighborhoods with frequent bus service, and areas designated as “job rich,” cities and counties would be forced to relax their zoning requirements and allow the construction of smaller apartment or townhouse projects. The council voted to oppose a similar housing measure, Senate Bill 827, last year. Since then, Wiener has taken steps to address concerns about gentrification and the displacement of tenants, putting language in SB 50 that would allow implementation to be delayed until 2025 in higher poverty neighborhoods. SB 50 would require affordable housing in projects with 11 or more units that rely on the bill’s development incentives, such as increased height. The bill would bar real estate companies from demolishing a home if a renter has lived on the site in at least the previous seven years if they want to
use the new incentives. The council’s resolution opposing SB 50 would allow the city’s lobbyists to support the bill if Los Angeles is removed from it entirely — and lawmakers add certain wage guarantees for construction workers. Asked about the council’s vote, Wiener said he plans to “keep working to fix a broken status quo that is resulting in real pain for millions of Californians.” “The status quo isn’t working, and it’s not helpful to ask for an exemption for L.A. or any other city,” he said. “We’re one state, and when it comes to fixing our housing problem we’re all in this together.” Council members argue that L.A. already has its own housing initiative, known as the Transit Oriented Communities program, which allows larger residential projects to go up near bus and rail routes if they include affordable housing. The bill seeks to exempt areas covered by L.A.’s program. Wiener has said he plans to tighten up that language in the bill in future amendments. But the measure would still increase density in single-family neighborhoods near L.A.’s public transit routes, something
the Transit Oriented Communities program doesn’t do. Wiener’s bill has drawn support from an array of housing advocates, environmental groups and business organizations, including the downtown-based Central City Assn. That group argued that SB 50 would lead to “more affordable housing in some of our most exclusionary communities.” Koreatown resident Richard Bourne, a proponent of SB 50, told council members that the bill would take aim at suburban cities that have been blocking the construction of much needed apartments and condominium projects much more than Los Angeles has. “It will affect the bad-actor cities around L.A. that are using local control to keep themselves wealthy and free of minorities,” he said. The city’s chief legislative analyst, who advises the council on policy matters, said in a memo that the bill would transfer much of the city’s control of land use decisions to Sacramento and to the Metropolitan Transportation Authority, which has power to decide how frequently buses run on major transit routes. L.A. neighborhood groups in locations such as Westwood, Sunland-Tujunga, Pacific Palisades and South Los Angeles have come out against the bill, with many arguing that it would shift planning decisions to Sacramento. David Gregg, a resident of the Crenshaw Manor section of South Los Angeles, said he is not reassured by the offer of a delay in implementation of SB 50 in higher poverty neighborhoods. In an email to council members, Gregg said the bill would lead to “incredible land flipping as developers buy and demolish residential homes, potentially wiping out the entire Crenshaw Corridor community.” ■
Ensuring Non-Discriminatory Hiring Practices
Job Interviews: The same types of questions that cannot be included on a job application cannot be asked in a job interview. Employees tasked with interviewing applicants should be aware of potential issues of discrimination. For example, if it is a plus for an individual to be bilingual in Spanish in a certain position, and the applicant states that he or she is, what questions can the interviewer ask? The interviewer cannot ask “Where were you born?,” but can ask “What is your level of fluency?” “Have you used Spanish in any prior jobs?” Background Checks: In California an employer is allowed to conduct a background check on an employee after an offer of employment has been made and with the employee’s written authorization. The process in California is quite involved, and an employer may be tempted to conduct its own background search, i.e., Googling an applicant or doing a social media search. These searches are risky because they may put the employer in the position of knowing too much. For example, if the employer learns through social media that the applicant has a disability that it otherwise would never have been aware of, if the applicant is not hired, he or she can claim it was because of the disability. Employers should review their hiring policies, including making sure that their job applications do not include potentially discriminatory questions, ensuring that those conducting interviews are aware of what they can and cannot ask, and cautioning those making hiring decisions against informal on-line background checks. ■
Photo by Batista Moon Studio
A big challenge for employers is hiring the right employees. It can be so difficult to tell if an applicant is the “right one.” As a result, employers want to obtain as much information as possible before making a decision, including through the job application, in the interview, and through other available means. But knowing too much can lead to claims, and employers must be cautious. Job Applications: Although not required by law, many employers have a written job application that applicants must fill out. Some have had the same form for years. As California has become more protective of employee rights, certain questions that were previously allowable on a job application are now a violation of the law. For example, job applications have commonly asked if an applicant has any criminal convictions. But under a law that went into effect in 2018, an employer cannot consider an applicant’s criminal history until a conditional offer of employment has been made. As such, no questions about an applicant’s criminal background can be included on the job application. Job applications should not include questions about age that are either direct, “What is your date of birth?” or indirect, “When did you graduate from high school/college?” These questions can lead to claims of age discrimination. To avoid claims of disability discrimination, a job application must not ask “Do you have any type of disability?” but instead should ask if an applicant can perform the essential functions of the position with or without a reasonable accommodation. Job applications cannot ask questions about an individual’s national origin or race. For example, “Place of birth” or “Are you a citizen?” are not allowed. Instead an employer can ask if the individual is authorized to work in the United States.
Photo by Batista Moon Studio
by Sharilyn Payne, Fenton & Keller
Stephanie Chrietzberg , SVP Business Development; Sarah Gaebelein, VP Commercial Loan Officer; Clarissa Rowe, VP Community Relations Officer; Charles T. Chrietzberg Jr., President, CEO; Kathy Torres, VP SBA Loan Officer
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Call Our BANKING Team TODAY!!! Monterey (831) 649-4600 Pacific Grove (831) 655-4300 Carmel Rancho (831) 625-4300 Salinas (831) 422-4600
Sharilyn Payne is a lawyer with the Fenton & Keller law firm in Monterey. This article is intended to address topics of general interest, and should not be construed as legal advice. For more information, please visit www.fentonkeller.com.
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California wineries shut out from China amid trade war by Shwanika Narayan, SF Chronicle
When China imposed retaliatory tariffs on American goods last April, vintners at Wente Vineyards in Livermore feared the move would push them out of China, the world’s fastest-growing wine market, for months or years. They were right. Wente Vineyards Wines hasn’t shipped wine to China since the tariffs took effect, after 24 years of doing business there. The whole industry is feeling the shift: A report this month from the Wine Institute, a trade group in San Francisco, found that the value of U.S. wine exports to China fell nearly 25% last year, to $59 million. Wine exports as a whole fell nearly 5%, to their lowest levels since 2012. In China, “we are not competitively priced anymore,” said Michael Parr, vice president of international sales at Wente Vineyards. “It’s a lost opportunity for the entire California wine industry.” California wines make up 90% of U.S. wine exports by volume. And
they’re hurting well beyond China. The top market for American vintners, the European Union, saw a 15 percent drop in export sales last year to $469 million, partly because of the strong dollar. Two other major markets, Canada and Hong Kong, saw growth. But the trade war with China has nonetheless dampened spirits throughout the industry. The wrangling began in March 2018, when President Trump slapped tariffs on $50 billion worth of Chinese goods, mostly non-consumer items like machinery and equipment. China promptly retaliated with tariffs on wine, fruits, nuts and other agricultural products. The tit-for-tat has caused losses and uncertainty. “We’ve been investing time, money and have been making trips there for more than two decades,” Parr said. “That is how we built China to be one of our top 10 export destinations. All of that momentum was disrupted because of
these tariffs.” Duties on U.S. wine shipped to China are substantial — 79% of the value, according to the Wine Institute. Wines from Australia, New Zealand and Chile face no tariffs in China and have gained market share. “China is a crucial market for us, but right now we’re at a distinctive disadvantage,” said David Amadia, president of Ridge Vineyards in Cupertino. Tariffs caused the price of his wines on Chinese shelves to rise 33%, he said — and while it’s a small part of his business, it still hurt. The tariffs came at a time when California wineries are thriving. They’re bringing in $1.5 billion in revenue, up 60% compared with a decade ago, according to Honore Comfort, the vice president of international marketing at the Wine Institute. The growth is not in volume but in value, as consumers trade up to high-end wines — which are
Empowered Living in Connected Communities
increasingly in demand around the world, according to a spokeswoman for the Wine Institute. In China, the tariffs have changed the trajectory. Lower-end wines are most affected by the trade war, according to Rob McMillan, founder of Silicon Valley Bank’s wine division. Fewer wines sent to China mean more bottles stay here, though the slight surplus is unlikely to result in cheaper wine, he said. Chinese consumers, for their part, have fewer American wines to choose from. When China opened its market in the late 1970s, traditional spirits like baijiu, a liquor made from grain, was more of the norm. Over time, as trade grew, Chinese consumers developed a sophisticated palate as wines from different parts of the world became available to them. ■
Madonna Gardens offers an engaging and varied lifestyle that empowers individuals to enjoy creative pursuits, refine skills, revisit old hobbies and discover new passions. Our community aspires to be a center for the enjoyment of life with exciting programs and activities, caring staff and plenty of opportunities to engage with family and friends.
Call today to learn about our new memory care community! Madonna Gardens has just opened a new memory care wing designed in collaboration with leading experts in the field of memory care. Call today to learn more about this exciting community! 1335 Byron Drive Salinas, CA 93901 | madonnagardens.com | 831-758-0931 | RCFE #275202569 MAY 2019
Professional Development & Employment Services The Salinas Valley Chamber of Commerce encourages you to shop and dine at local businesses. For every $100 spent at locally owned businesses, $73 stays in the community.
Letâ&#x20AC;&#x2122;s keep the Salinas Valley strong â&#x20AC;&#x201C; shop at these member businesses.
Brandman University (831) 373-0945 Central Coast Builders Association (831) 758-1624 Central Coast College (831) 424-6767
Grand Canyon University (831) 236-7285
Latino Tax Professionals Association (866) 936-2587
Mission Trails Regional Occupational Program (831) 753-4209
Employment Development Department (831) 796-3632
Monterey Peninsula College (831) 646-4000
Employnet (877) 425-8321
Rancho Cielo Youth Campus (831) 444-3533
Express Employment of Monterey County (831) 920-1857
Rebecca Perry Leadership (503) 353-7400
CSUMB (831) 582-5070
Hartnell College (831) 755-6700
Monterey Bay PTAC (831) 216-3000
Solare Holding LLC (831) 917-5978 SVA (Silicon Valley Advisors) (408) 999-7350 Employment Services AccounTemps (831) 241-9042 AGFORCE Staffing & Search (831) 758-4473
OfficeTeam (831) 241-9043 Robert Half International (831) 241-9042 Select Staffing/EmployBridge (831) 775-0712 SlingShot Connections (831) 663-4000 Spherion (831) 444-6000 Universal Staffing Inc (831) 333-2150
A Special Thanks to Our Strategic Partners and Stakeholder Members
New Member Profiles Beacon House
Farr Entertainment Promotion
Beacon House, an affiliate of Gateway Foundation, is a nonprofit alcohol and drug treatment center located in Pacific Grove. Since 1958, Beacon House has helped thousands of men and women on their path to lasting recovery through our detox, residential, and outpatient programs. Focusing on treating the whole person and not just the symptoms of addiction, Beacon House provides a safe, comfortable environment to focus on recovery. (831) 372-2334 • www.BeaconHouse.org
Blue Zones Project The Blue Zones Project is a geographically based, community-by-community comprehensive approach to well-being that drives measurable improvement in key metrics. Blue Zones Project works to create environments where the healthy choice is the easy choice – learn more at BlueZonesProjectMontereyCounty.com. Visit our Facebook page, facebook.com/bzpmontereyco, for more information and to learn about events. Blue Zones Project is brought to Monterey County by: Salinas Valley Memorial Healthcare System, Taylor Farms, and Montage Health.
Central Coast Human Resource Association (CCHRA) The Central Coast Human Resource Association (CCHRA) is a local, 501(c)6 non-profit association serving California’s central coast HR professionals with members throughout Monterey County and surrounding communities. CCHRA brings HR professionals together to help them stay abreast of ever-changing employment legislation, network with colleagues, and provide a forum for exchanging information about the most up-to-date trends and ideas used in HR management today. cchra.shrm.org
SNIP Bus (Spay Neuter Imperative Project)
Farr Entertainment Promotion was established in 1969 to present concerts in the Flint and Detroit, Michigan area. Deactivated in 1981, reactivated in 1982, to organize sporting and musical events on US Military bases in several lower 48 states, South Korea, and West Germany. Deactivated in West Germany in 1990, and finally reactivated in California in 2018. Our original philosophy of generating exciting experiences, practicing inclusion, and increasing economic prosperity in the community where we do business, continues. FarrEntertainmentPromotion.com (831) 324-3707 • Rhonnie_Farr@yahoo.com
Howard Johnson Inn Conveniently located by all major freeways, this Salinas hotel offers guest rooms with free WiFi and serves a daily continental breakfast which has a Cappuccino coffee machine. Rooms are newly renovated. We are within walking distance to Downtown with restaurants and entertainment, and within a short driving distance to major attractions. This property is also rated for the best value in Salinas. 131 John St., Salinas • (831) 757-1020 wyndhamhotels.com/hojo/salinas-california
StormND Simple IT Our goal is to provide the highest-quality IT consultancy to businesses in an organized and in a simple way. Contact us if you have any issues with or need ongoing support for the following types of devices: computers/ laptops, cell phones, printers/scanners, sound bars, smart TVs, routers/modems, and backup. We have you covered. Systems -Servers. Nathan@StormND.com (831) 578-8997 StormND.com
The SNIP Bus (Spay Neuter Imperative Project) is a 501(c)(3) mobile spay and neuter clinic offering reduced-cost services for dogs and cats in the Coachella Valley & Monterey County. SNIP works to prevent the suffering and death of unwanted animals due to overpopulation. http://snipbus.org • (925) 895-8531 firstname.lastname@example.org
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The Anatomy Of A Retirement Plan Advisor
by Bill Hastie, MBA In the financial services industry, advisors come with a wide range of expertise, typically based on education and experience. Stock brokers, insurance agents and financial planners each have a particular skillset specific to their area of the industry. The same applies to those financial advisors who specialize in serving corporate retirement plans and their participants. What makes the retirement plan advisor so vital to many people is what’s at stake – retirement plan savings can account for the majority of many people’s entire retirement income plan, and proper guidance here can make all the difference in the world. While educational backgrounds may vary from retirement plan advisor to advisor, there are primarily three characteristics most top advisors will have.
They serve as a fiduciary
Serving as a fiduciary means always putting the client’s best interest first above any other consideration. It’s an easy process – do whatever is best for the client in everything the advisor does, provides full disclosure of all relevant information and charge reasonable fees. ERISA, the tax act that governs most retirement plans, has two particular sections that clearly define a fiduciary’s role by making them subject to the Exclusive Benefit Rule. Advisors serving their clients under sections 3(21) or 3(38) of ERISA are subject to this Rule, and are bound to put first the interests of the plan, its participants and their beneficiaries.
Have money management experience
The retirement plan advisor is often called on to meet with plan participants and review the investment options they have selected and make recommendations. The advisor who also maintains an investment management practice, who is in the (investment) trenches day in and day
Bill Hastie out can truly provide meaningful guidance to a plan participant. This process often begins with a questionnaire to help the advisor better understand how the participant feels about accepting investment risk, their past experience with investing and their time horizon to retirement and beyond. With this information, the advisor can review the investment options available in the plan and help the participant construct a meaningful portfolio focused on their goals. This may be as simple as using a target date fund, managed for a particular retirement age/date.
Trish Sullivan gets a little help from Mayor Joe Gunter as the Chamber celebrated Downtown Book & Sound and the opening of their new store.
Obtain advisory training
Beyond core financial training such as a Certified Financial Planner (CFP) or an MBA, many programs are available to sharpen the skills of the retirement plan advisor in a variety of specific areas. The Accredited Investment Fiduciary (AIF) and the Accredited Investment Fiduciary Analyst (AIFA) designations focus primarily on the fiduciary issues involved with the proper handling of retirement plan assets. The Retirement Advisor University, in conjunction with the Anderson School at UCLA, provides the Certified 401k Professional (C(k)P) designation, and the National Association of Plan Advisors (NAPA) provides the Certified Plan Fiduciary Advisor (CPFA) designation. Technical competence is a must for a retirement plan advisor. Other areas of expertise includes plan design and a clear understanding of how different plans can be used with various types of business entities, number and makeup of plan participants and the ultimate goals of the company owners.
Can you spot Chamber Board Directors Starla Warren and Kathy Miller in this Airshow Mixer pic? Hint: neither of them is wearing the blue suit.
Bill Hastie, MBA is the Founder of locally-owned Hastie Financial Group. If you would like to discuss your personal or company’s investment needs, please contact Bill at email@example.com ■
Salt Wood Kitchen and Oysterette offered a very loooong table to accommodate our Connect at Lunch crew.
Chris met his wife, Camille, while attending San Diego State in 1986. After corporate jobs, they found their way to Monterey County where Camille is from. Working as property managers during their college days, they found their skill sets complemented each other. In 2001 they became Realtors and are working with long established Coldwell Banker/Gay Dales, Inc. in Salinas which has been a Chamber Member for over 40 years.
After attending Government Relations meetings and enjoying the business events supported by the Chamber, Chris decided to become an ambassador with the goal of being more informed and active in the community. The Chamber has been a great platform to engage prospective members and support its membership. An added benefit for Chris as an active member is the friendships
Defense and Security Day At a recent class (sponsored by Central Coast Federal Credit Union – thanks!), the cohort spent a full day learning about our local connection to the military and security for our country. “Defense and Security Day” started at the US Army Installation at the Presidio of Monterey, where the cohort learned about the history of the Presidio, and the relocation of the Defense Language Institute to the Presidio of Monterey in 1946. We spoke to leaders, including Garrison Commander Hugh Hardin from the Army and Tamar Kaufman-Meusel from the City of Monterey, about the “Monterey Model”, a collaborative effort with the cities of Monterey and Seaside to provide municipal services to the Presidio of Monterey through the Presidio Municipal Services Agency. A bus tour of the scenic facilities on the Installation was a treat, which included an informative talk from the resident historian, Cameron Binkley.
Both Chris and Camille are also proud Charter Members of the newly established Rotary Club of Salinas Valley giving them the opportunity to be involved with local and international volunteer projects. Being a part of an organization that touches so many lives around the world is humbling and gratifying. In his spare time, Chris enjoys hiking through the steep trails of Toro Park and the more challenging the trail, the better. After a good hike, he likes to take Camille out to any one of their favorite restaurants in Monterey County or the Bay Area. Feel free to contact Chris with any questions about the Chamber and/or his real estate services. You can reach Chris at: (831) 484-4298 or email at firstname.lastname@example.org. ■
Our day ended with a discussion with Mike Clancy from Monterey Bay Defense Alliance, a volunteer group committed to enhancing, growing and protecting the national security assets in the Monterey Bay Area. We learned about the various Department of Defense activities in our community, and the ways that we benefit from these military organizations being part of our community. We discussed the MBDA Strategic Plan and the plan to accomplish these goals in order to support the efforts of local military operations. The cohort is looking forward to our next class, when we learn about Education in Monterey County. ■
Our next stop was the Naval PostGraduate School. We were greeted by Vice Admiral (ret) Ann Rondeau, President of NPS, who spoke about the importance and economic impact of the graduate school in our communities. Navy Captain Ed McCabe, Air Warfare Chair, presented details of the school, including enrollment, degrees earned and graduate’s application of their degrees upon completion. We also met with John Arquilla, Chair of Defense Analysis and Heather Issvoran, Director of Center for Homeland Defense and Security. Group photo at the Presidio of Monterey
he has built with others.
Class picture at Naval Postgraduate School
Focus on Non-Profits Anthem Christian School Anthem Christian School (ACS)’s story is defined by legacy, faith, and incredible blessings. In 2015, the Great Commission Association (GCA) was blessed with a school full of dedicated teachers, wonderful parents, and incredible students, and in 2017, ACS was blessed yet again with a much larger campus on East Alvin Drive. School leadership and parents work together every day to build a school that delivers academic excellence, Christian values, and a safe learning environment. Since moving to our new campus, GCA has invested heavily in building improvements, an enhanced curriculum, and technology to better prepare our students for the modern world. We work hard to ensure our students have the best learning experience we can provide and offer small class sizes, a dedicated library, and teachers who strive to help
every child in their class succeed. In addition to our core curriculum, we also dedicate time to music, physical education, and technology classes. Starting in second grade, students learn technical skills in our computer lab, and in junior high, students participate in a 1:1 iPad program where they take those skills even further. Our vibrant afterschool enrichment program offers tutoring and piano, guitar, percussion, voice, and art lessons. Today, over 100 students in kindergarten through 8th grade call ACS their home, and we are pleased to be able to offer an excellent preschool on site as well. Hearts and Hands Christian Preschool provides a safe, loving, excellent preschool experience for children ages 2-kindergarten. It is more important than ever to receive a quality education, and to help more
children achieve that dream, ACS is offering $100,000 in scholarships for the upcoming school year. ■
Come see the community we have worked so hard to build.
We can’t wait for you to join us.
Non-Profit Calendar May 4:
Volunteer Work Day 9 am-2pm • Glen Deven Ranch Non-Profit: Big Sur Land Trust 831-625-5523 • BigSurLandTrust.org
Take It Outside Salinas! / ¡Vamos Afuera Salinas! 10am-2pm Natividad Creek Park, 1395 Nogal Dr. Non-Profit: Big Sur Land Trust 831-625-5523 • BigSurLandTrust.org
14, 21, 28:
Ballroom Dancing every Tuesday evening with Moon Glow Jazz band 7:00-9:00pm • 100 Harvest Non-Profit: Active Seniors, Inc. 831-424-5066 • www.activeseniorsinc.org
Luncheon: Lessons in Disguise 11am-1:30pm Corral de Tierra Country Club Non-Profit: IMPOWER Contact.Impowerwomen@gmail.com ImpowerWomen.org/events
May May Meeting: "Why Generations Collide: How to make Age Differences a Source of Strength & Collaboration" 11am-1pm Corral de Tierra Country Club Non-Profit: Central Coast Human Resource Association 831-649-7654 • CCHRA.SHRM.org
Luncheon, speaker Joe Truskot, Monterey Bay Rose Society. Please RSVP. 11:30am-1:30pm 100 Harvest, Salinas 93901 Non-Profit: Active Seniors, Inc. 831-424-5066 • www.activeseniorsinc.org
Older American's Month BBQ Style Dinner 5:30-7pm • Hartnell College Student Center Non-Profit: Salinas Senior Center 831-757-6030 • SSC@SalinasSeniorCenter.org
17, 22, 24, 29, 31:
Yoga & Pilates, all levels welcome 8:45-9:45am • 100 Harvest Non-Profit: Active Seniors, Inc. 831-424-5066 • www.activeseniorsinc.org
The Ugly Duckling 7pm • 320 Main St. Non-Profit: Ariel Theatrical 831-775-0976 • Ariel@ArielTheatrical.org
YOSAL Spring Concert 2-4pm The Western Stage, 411 Central Ave. Non-Profit: Youth Orchestra of Salinas 831-756-5335 • InfoYOSAL.org
The Ugly Duckling 2pm • 320 Main St. Non-Profit: Ariel Theatrical 831-775-0976 • Ariel@ArielTheatrical.org
101 Dalmatians 7pm • 320 Main St. Non-Profit: Ariel Theatrical 831-775-0976 • Ariel@ArielTheatrical.org
101 Dalmatians 10 am & 2pm • 320 Main St. Non-Profit: Ariel Theatrical 831-775-0976 • Ariel@ArielTheatrical.org
Telemedicine Is Changing Role of Family Doctor by Tom Murphy, AP News Telemedicine and walk-in clinics are clouding the role of family doctors Lisa Love hasn’t seen her doctor of 25 years since she discovered telemedicine. Love tried virtual visits last summer for help with a skin irritation and returned for another minor problem. She doesn’t feel a pressing need to seek care the oldfashioned way, especially since she also gets free health screenings at work. No more waiting for the doctor’s office to open. Convenience rules in health care now, where patients can use technology or growing options like walkin clinics and urgent care centers to get help whenever they need it. A survey last year found that about a quarter of U.S. adults don’t have a regular doctor. Some like Love wonder how much they still need one. “Telemedicine probably can’t do everything ... but for most of the things
I might ever have, I’m pretty sure they can take care of it,” the Twin Falls, Idaho, resident said. Health care experts say the changing, fragmented nature of care is precisely why people still need someone who looks out for their overall health, which is the traditional role of primary care physicians like family doctors and internists. They know patients’ medical histories, and they’re trained to spot problems that may be developing instead of just addressing symptoms that prompted the patient’s visit. They also can make sure medications don’t conflict with regular prescriptions, and they can help make sense of the information patients dig up with a Google search. But the nature of primary care is changing as patients branch off to drugstore clinics and urgent care centers.
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Practices are slowly shifting to more of a team-based approach that focuses on keeping patients healthy and reserves visits with a doctor for the more serious cases. “The idea that the primary care physician is the one-size-fits-all solution ... that’s going to change pretty dramatically,” said Sam Glick, an executive with the research firm Oliver Wyman. This evolution began years ago when drugstores started providing flu shots and opening clinics that handle minor issues like ear infections or pink eye. The two largest chains, CVS Health and Walgreens, now run about 1,500 clinics combined. More recently, employers have started adding worksite clinics, and thousands of urgent care centers have opened
around the country to treat emergencies that aren’t life-threatening. Then there’s telemedicine, which patients can use to connect to a doctor in minutes without leaving their home or office. Love said she’s hooked on virtual visits. They only cost $42, or less than half the price of an office visit under her insurance plan. “I like technology and I like new things and I like saving money,” Love said. “It was worth it to me to try it.” About 25% of adults don’t have a regular doctor, the nonprofit Kaiser Family Foundation found last year. That jumps to 45% for those under age 30. On top of all the competition for patients, the field also is fighting a shortage of doctors as medical school students opt for higher-paying specialties. Primary care practices have adjusted by adding physician assistants or nurse practitioners to handle annual physicals and other routine care. ■
Take a Step Toward Better Health Let our unique health and wellness programs connect you with your best life. New physicians and topics every month. For more information and to reserve your spot, call our Health Promotion Department at 831-759-1890.
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New Truth in Lending Law for Smaller Loans by Patrick Casey Anyone borrowing money must understand the terms and conditions of the loan, especially the repayment terms and what happens if they are unable to pay the loan on time. There are many federal and state laws that govern a lender’s disclosure requirements for a loan. The disclosure requirements are different between someone borrowing money for personal, family or household use as opposed to someone borrowing money for business use. The California legislature enacted a new law effective January 1, 2019, which requires that anyone engaged in the “commercial financing” business is obligated to make new disclosures to potential borrowers. These disclosures include the total loan amount, the dollar cost of the financing, the loan term, the method, frequency and amount of payments, a description of prepayment policies and the total cost of financing expressed as an annualized rate. This new law applies to any “commercial financing” between $5,000 to $500,000. This new law defines “commercial financing” as any accounts receivable purchase transaction (such as factoring), asset based lending transaction, commercial loan or any lease financing transaction for any asset that is used other than for personal, family or household purposes.
As a general statement, any person engaged in commercial financing must make these required disclosures. However, this new law does not apply to loans made by any bank, trust company, savings and loan association, any lender regulated under the Farm Credit Act or any commercial financing transaction secured by real property. In addition, it does not apply to any person (i) who makes no more than one commercial financing transaction in California in a 12 month period or (ii) who makes five or fewer commercial financing transactions in California in a 12 month period that are incidental to the person’s regular business. Therefore, not everyone is subject to this new law. Even though the new law went into effect January 1, 2019, any person subject to this law is not required to comply with the new disclosure requirements until the California Department of Business Oversight has issued final regulations that address various issues including definitions, contents or methods of calculating each of the disclosure items; the time, manner and format of the applicable disclosures; and how to calculate the annualized rate disclosure. As of the date of publication, the California Department of Business Oversight has not yet issued these final regulations. This new disclosure law should help borrowers understand the specific terms and conditions of a proposed loan and will hopefully allow them to make an informed decision as to whether or not they want to proceed with the loan. ■ This article is written by Patrick Casey, who is a business attorney with the JRG Attorneys At Law firm in Monterey. You may reach the author at (831) 269-7114 or at email@example.com.
Member News Valadez to Lead GSA The Grower-Shipper Association Board of Directors announced that Christopher Valadez will be the Association's new President. Valadez will succeed Jim Bogart, the trade association's longest-serving President, in May. Valadez joins GSA following 11 years at the California Fresh Fruit Association as the organization's Director of Environmental & Regulatory Affairs. Valadez shaped and addressed Christopher Valadez policies affecting economic sustainability and competitiveness for the agriculture industry. Since 2008, his primary focus has been labor issues; including management/ employee relations and wage and hour, as well as human health and safety, water supply and quality, food safety, air quality and political engagement.
ABC NorCal Honors Associated Builders and Contractors (ABC) and their members from across the country met in Long Beach recently for their annual convention and Excellence in Construction Awards Gala, honoring the best of the best that the construction industry has to offer. ABC Northern California members and companies were among the top recipients in multiple categories. Among the top award winners was Adrian Rios, a heavy equipment mechanic with McCullough Construction in Arcata, California, who was named ABC’s 2019 Craft Professional of the Year. The award honors a construction craft professional who excels in his or her field while also demonstrating a commitment to safety, education and the merit shop philosophy.
SBDC Partners with Chamber The Small Business Development Center and the Salinas Valley Chamber of Commerce are partnering to bring the community educational workshops focused on helping businesses. The partnership is kicking off June 19th with a workshop about business funding and access to capital. Please visit https://bit.ly/2IFmUuG or call (831) 585-1286 to register.
Salinas Valley and Monterey Peninsula Chambers are teaming up for our annual rodeo mixer. mixer Come out out, mingle, mingle and enjoy appetizers and nd wine wine. Have a chance c to win a raffle prize.
May, June & July 2019 May
Government Relations Committee (GRC) Meeting 11:30 AM - 1:00 PM • Chamber Office
Ribbon Cutting: Balance Physical Therapy 5:00 PM - 7:00 PM • 143 John St., Salinas
Beacon House Mixer
5:30 PM - 7:00 PM • 468 Pine Ave., Pacific Grove
Ambassador Committee Meeting
468 Pine Ave., Av Pacific Grove May Ma y 16 16th 6th 5:30 0 –7pm
200 Fred Kane Dr.., Monterey June un ne 19th 19 1 9th 5 5-7pm
Join the Salinas Valley Chamber and Beacon House for appetizers and socializing They are celebrating their socializing. open n house and would like you y to celebrate with them.
12:00 PM - 1:00 PM • Chamber Office
Connect at Lunch: Scales Seafood & Steaks
12:00 PM - 1:00 PM • 30 Fisherman's Wharf, Monterey
Government Relations Committee (GRC) Meeting 11:30 AM - 1:00 PM • Chamber Office
Monterey Regional Airport Rodeo Mixer
5:00 PM - 7:00 PM • 200 Fred Kane Dr., Monterey
Ambassador Committee Meeting
12:00 PM - 1:00 PM • Chamber Office
Connect at Lunch: Loose Caboose Sandwich Depot 12:00 PM - 1:00 PM • 934 Park Row, Salinas
30 Fisherm Fisherman’s Warf June J Ju unee 5th 12–1pm 12
Enjoy a delicious sandwich while meeting other professionals and area business owners
Network and join us for a tasty lunch that includes your choice of Pasta Primavera, a Half Shrimp Sandwich & Clam Chowder, Fish & Chips, or Ahi Tuna & Coconut Prawns with Mixed Greens.
934 Park Row w, Salinas July Ju uly 3rd 3 12-1pm 12
It means unrIvaled commItment to calIfornIans. Proud to support the Salinas Valley Chamber of Commerce It means Ready to Help RabobankAmerica.com/ReadyToHelp
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