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VOLUME 21, NUMBER 1

MONEY

The Credit Repair Scam. We’ve talked about the mortgage fraud scams that have rocked the Valley, and the foreclosure scams and reverse mortgage scams and the identity theft scams—

well, here’s one that’s been around for awhile but is really starting to take off again—the credit repair scam. Page 14

HEALTH

Treatment— Residential or Outpatient? Recovery from addiction awakens from the heart and soul of individuals, but hope and the opportunity for change are obtained from our surroundings and actions. Fortunately, addiction is treatable and increasing numbers of addicts are finding the promise of recovery. Page 21

LEGAL

Are You Starting Your Year Off “Legally Correct”? With the new year comes great opportunity for success

JANUARY 2009

Executive Profile: Alice Sullivan and the TVCC Story and photo by Jann Gentry

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lice Sullivan has been the President and CEO of the Temecula Chamber for many years. She has seen the Chamber grow, change, weather storms, and survive recessions. In the 18 years she has been a part of the Chamber, she’s gained the valuable experience that will help her and her staff weather even our current economic tempest. In 1990, Sullivan hired on part-time with the Chamber to help with the Balloon and Wine Festival. After about two weeks, she was so heavily involved in the event that her job became full-time. Life—and business—was booming in the little town of about 27,000 and the chamber membership was up to almost 1,400 businesses when the 1991–92 recession hit. Applications dried up; businesses went under, sometimes in just a few weeks. The Chamber spun off the Balloon and Wine Festival to a private concern and instituted the “Ways and Means” Committee to help with events to boost the business community and help sustain the Chamber. This was the beginning of such events as the Business Expo, typically held in October, and the Monte Carlo night in September. The Chamber survived and even grew. They also learned a valuable lesson about being prepared for such economic uncertainties.

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urrieta is the safest city in Riverside County and two other Southern California counties, according to a report released by Congressional Quarterly Press (CQ Press), a wellrespected and award-winning commercial publisher. The report also ranks Murrieta as the 10th safest city in the state and 42nd in the nation. The rankings were calculated by determining the amount of murder, rape, robbery, aggravated assault, burglary, and motor vehicle theft that occurs in cities with populations of 75,000 and more. “We work very hard at keeping this city safe,” said Captain Michael Payne of the Murrieta Police Department. “We attribute that success to Murrieta having its own police force and employing top-notch officers.” Murrieta has a population of about 100,000 and employs 92 police officers. Murrieta Police Chief Mark Wright believes that the city’s low crime rate is directly related to a strong sense of social intervention. “Most of our officers live here and feel that it is their personal responsibility to keep

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Ground Broken For New Hospital By Art A. Visintin

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carcely three months after gaining approval from the city, officials attended a groundbreaking recently for the newest hospital to be built in South County. Dubbed the Loma Linda University Medical Center – Murrieta, the 106 bed hospital is quietly taking shape on a 50 acre parcel at the northeast corner of Clinton Keith Road and I-215. The pioneering joint venture will ensure easy access to world-class medical care for the hundreds of thousands of residents of fast-growing Southwest Riverside County, which stretches from Temecula and Murrieta to Lake Elsinore, Perris and Menifee. The facility will distinguish itself from

other local hospitals by being a teaching and research hospital in addition to being a specialty healthcare provider. In addition to the 106 beds hospital, the $256 million campus will also feature two 120,000 SqFt medical buildings adding an additional 114 medical beds, six surgical suites, a minimally invasive laparoscopic surgery center, an imaging center, emergency room, and general and acute care services. Specialty services planned include cardiovascular, obstetrics, pediatrics, urology and orthopedics. The hospital was conceived by several area physicians who noted the need for a physicians hospital in the area, ideally in a

continued on page 12 and also the need to make sure legal issues are in order. It is a time to protect your personal and business assets, plan for the unexpected, and put into effect a tax plan for the next year, which will benefit you in the upcoming year and not in 2010. Page 22

Murrieta Named Safest City

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THE VALLEY BUSINESS JOURNAL

January 2009


January 2009

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THE VALLEY BUSINESS JOURNAL

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THE VALLEY BUSINESS JOURNAL

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5 THE VALLEY BUSINESS JOURNAL cused silos to carry out plans. This leads The New Executive Challenge: to myopic actions rather than smooth,

“Getting Your Organization On-track for 2009 By Scott Hamilton As forecasted, the corporate storm has made landfall. Economic havoc swirls across the country as rollercoaster stock markets, financial debacles, a presidential election, and global tensions have businesses running for the bunker. The shock and awe factor is at an all time high, rendering many corporate leaders immobile. They sit back in uncertainty and hope it all works out. But wishing the economic squall away isn’t strategy - it’s a surefire recipe for collapse. Now is the time for action! The raging of the corporate storm is the perfect setting against which you may capture market share, improve shareholder value, and increase revenue. How? By harnessing the power of an aligned organization through the effective utilization of collective intelligence. Aligned Action, Not Analysis Paralysis We are at the tipping point of a new generation of business. Survival for all companies will depend on their ability to restructure to an aligned organization with all staff acutely aware of their role in the big picture. It’s time, albeit short, to go to work “on” your business, not “in” your business. After 35 years of

guiding executives to peak performance, we recommend that every executive include the following “6 Actions toward Alignment.” 1. Select Strong Team Players: Selection is critical, collective intelligence is vital. Assemble the “A” talent that you need. Evaluate each player for their potential contribution and make sure they’re capable of pulling their weight. Inconsistency in contribution will sink any ship. Give your team what they need to be successful—vision, autonomy, data, technology, training, and coaching. Tip: There’s no room for those that don’t “get” or share the vision. Invest in those that can contribute. Bring in new talent where necessary; replace those that are not contributing. Make the decision quickly, supported by key metrics for objective irrefutable proof. 2. Create a Culture of “Alignment” Thinking: Planning efforts should establish a context and common frame of reference for the entire organization. Everyone should have a reason to commit to the corporate plan and a personal stake in the outcome. Remember, no one person or sub-group can drive a company to the level of success needed to overcome the negative forces beating outside the door. The executive team’s

higher vision is a map that employees must consult time and again to check their position and stay the course. Tip: Tap the collective IQ and energy of your entire organization by having a system of measurable two-way review and input. Consistently deliver the higher vision and receive constant buy-in. 3. Chart Your Course: Planning sessions must articulate measurable business outcomes and clear accountabilities for success. What are the business impacts? Are the measurements embraceable, that is, are they understandable and do they relate to everyone’s roles—both as a team and as individual contributors? Measurements are the navigational tools that lead to sustainable outcomes. Tip: Post a “scoreboard” that charts progress (or lack thereof) – daily, weekly, monthly. Feedback is a real-time guide to reinforce success, as defined in the New Executive Offsite sessions. 4. Prepare Your Team for Orchestrated Action: According to a recent Harvard Business Review study, 90% of organizations neglect or never implement their plans. Execution must be “the primary strength” of your culture. Don’t rely on individuals from singularly fo-

coordinated, and accelerated results. Instead, orchestrate a system that allows you to launch cross-functional ‘action teams’ throughout the company. True execution comes from the ability to assemble and focus a diversity of people and perspectives into single-minded actions. Tip: Outside coaching may be necessary for successful launch, execution and follow-thorough. No pair of eyes is more potent in seeing through human dynamics, nuances, and idiosyncrasies than external advisors and coaches. 5. Play out the Possibilities: It’s not in stone, just in play. Possibilities are designed to open creative channels and foster new opportunities. List “what ifs” and specific outcomes (i.e., possibilities) you expect from customers, the industry, and from within your own organization. Next, craft “aligned” initiatives that direct your organization to meet these challenges and opportunities head-on. Make sure the initiatives realistically reflect internal capabilities and constraints, as well as market forces you must leverage. Tip: Having pre-defined contingency plan(s) in hand – for both best AND worst-case scenarios – can mitigate the paralysis that can accompany a potentially disastrous event. Confront the down-side head on.

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January 2009

THE VALLEY BUSINESS JOURNAL Editor/Publisher/CEO

Linda Wunderlich

Staff Writers

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Real Estate

If you’re in the market for a home, 2009 will be your absolute best time. By this time next year the normal economic cycle, fueled by a variety of stimuli and aggressive interest rates, will have marked a turn in the market. While prices will not shoot up anytime soon, they will reach their bottom probably by 2nd or 3rd quarter locally.

Contibuting Writers

Money

This holiday season let’s give back to the many men and women that are paying for our right to be free, paying the price to protect our right to own homes, multiple cars, boats, luxury vehicles, and not to mention, all those exciting toys we so enjoy. And as we rush around and buy up more goodies displaying our freedom to maintain wealth through luxury items, let’s take the time to maybe pay a portion of that bill, our “freedom premium”.

Arthur A. Visintin Wyatt Meal Ted Saul Jann Gentry Sharon Roscoe

Sandy Dodson Officer Lynn Fanene, Sr. Ed Creamer Bill Tsotsos

Graphic Design/Production

M.kay Design

Marketing Matters

Networking, as defined by the dictionary, is “the cultivation of productive relationships for employment or business.” Relationships take time and you will want to have those relationships in place when the economy improves, so now is the time to establish and work on them.

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Technology Update

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Healthy Living

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Legally Speaking

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Community News

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Dining / Arts & Entertainment

We’ve all had problems with Spyware from time to time and had to deal with all the symptoms and finding solutions…a daunting task. There is help out there for those of us who don’t know where to begin.

What are your new goals for 2009? Do you want to stop smoking, exercise, loose weight? Once we create a new goal, how do we stay motivated? Here are some helpful hints to keep our motivation strong.

Riverside County has won six awards for innovation from the California State Association of Counties, including two top awards out of 10 given statewide.

In an effort to sustain our vibrant quality of life, the City of Temecula and Temecula Valley Chamber of Commerce encourages residents and businesses to shop locally. By choosing to support local businesses, you can make a difference.

Oak Grove Center and Temecula Live! Country Music Review are back for another roof-raising live stage show to raise funds for at-risk and special needs youth and children with autism.

Criteria for Submitting Articles: 1. Since the publication of articles is an added public relations feature for our advertisers, their articles will be given first priority. Other articles will be published on a space available basis. 2. Articles should be prepared in a word processing program and submitted as a Word.doc file. 3. Articles must be business-oriented and pertain to the author’s area of expertise. A photo of the writer is appropriate. 4. All submissions are subject to editing by the publisher. 5. Send completed articles by e-mail to: publishertvbj@verizon.net For questions, comments, story ideas, or advertising information, please contact us: Phone: (951) 461-0400 • Fax: (951) 461-0073 E-mail: publishertvbj@verizon.net Website: www.thevalleybusinessjournal.com Mailing Address: The Valley Business Journal 40335 Winchester Rd., #E-128 Temecula, CA 92591 Deadlines: Article and advertising deadlines are the 15th of each month for the next issue. Distribution: The Valley Business Journal is mailed to the Temecula and Murrieta Chamber of Commerce member businesses each month. It is additionally distributed in places throughout Temecula, Murrieta, Wildomar, Lake Elsinore, Menifee, Sun City, and Canyon Lake. Most banks, real estate offices, professional and medical buildings, restaurants, bookstores, auto dealers, wineries, visitor’s bureaus, and Chamber of Commerce offices receive multiple copies each month. The Valley Business Journal is a California Corporation. All rights reserved. Reproduction in any form, in whole or in part, without the written permission of the Publisher is prohibited. The publication is published monthly. The opinions and views expressed in these pages are those of the writer or person interviewed and not necessarily those of The Valley Business Journal. The Valley Business Journal hereby expressly limits its liability resulting from any and all misprints, errors and/ or inaccuracies any advertisement or editorial may contain, to the credit of the specific advertising payment and/or the running of a corrected advertisement or editorial correction notice.


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REAL ESTATE Wassup with Housing in 2009? by Gene Wunderlich Here’s hoping your holidays were made rich by the love of your family and the good cheer of friends, and that your New Year is filled with nothing but peace and good health for you and yours. You’ll notice that all those wishes—peace and love, good cheer and health—while meaningful, are also budget items, things you could easily provide even after the year we’ve had in 2008. If you’re smart you’ll start stocking up now on those same items for 2009 because the economic outlook for the coming year is no brighter than for the year we just squeaked out of. In fact, by this time next year: A) We might be referring to 2008 as “the good old days”; or B). Obama might really be a miracle worker and the California Legislature might actually function as a governing body and balance a budget without taxing citizens and businesses into oblivion. You pick. Let’s talk real estate, shall we? What a ride we’ve been on the past 18 months, eh? We ended 2008 with sales for our 5-city region almost back at 2006 levels. Is that good? You bet. Because in 2005 there were over 9,300 homes sold in the region. That number dropped to just over 6,800 in 2006 and fell to 3,900 in 2007. Climbing back over 6,000 units in 2008 doesn’t mean we’re out of the woods, but it’s a sign we’re walking out instead of walking in deeper. Of course part of what’s driving this resurgence in sales is the continuing slide in home prices. From a regional peak median price of $466,706 in 2006, our median has dropped to just $265,180 in 2008. Our average price per square foot has tumbled from $245.70 in 2005 to $124.55 in 2008. In June 2006, the median price for a home in Temecula hit $579,935 at an average price per square foot of $290. Murrieta hit its peak price demand as recently as March 2007 with a median spike to $618,584 and an average price per square foot of $258. Last month a median price home in Temecula went for $290,073 and $132/SqFt, while in Murrieta you could pick up a median home for $279,632 and $112/SqFt. For a complete run-down on the monthly stats complete with charts and graphs, visit www.SouthwestCaliforniaHomes. com/ (articles & blogs). So what do we have to look forward to in 2009? Well, a little more of the same. Unfortunately we’re going to continue to have foreclosures as a big chunk of our market through much of 2009. We’ve had a 90-day federal and state moratorium on some foreclosure activity during the past couple months but that ends in January so everybody that held on during the holidays drops off then. There’s another wave of interest rate re-sets looming over the market in March, so even though interest rates are down, people who had those unbe-

lievably low teaser rates will still be ratcheting up— so look for more of those to hit the market. The federal TARP (Troubled Asset Recovery Program) that simply HAD to be voted in immediately to save the country had half its trillion dollars used to do everything but what it was intended for. Not that it would have mattered. Of the mortgages that were renegotiated and adjusted for homeowners in the first half of 2008, more than half had gone back into foreclosure during the last half. Those houses will be hitting the market soon. And, of course, the Catch 22 of housing meltdown/job loss will add fuel to the fire. The continued doldrums of the housing market means reduced revenue for everyone from city governments to retail spending, which contributes to increased lay-offs across all public & private sectors, which means people can’t afford the houses they’re in let alone buy new ones, which leads to more slowing in the housing market which translates to…well, I think you catch my drift. Is there an upside? Always. If you’re in the market for a home, 2009 will be your absolute best time. By this time next year the normal economic cycle, fueled by a variety of stimuli and aggressive interest rates, will have marked a turn in the market. While prices will not shoot up anytime soon, they will reach their bottom probably by 2nd or 3rd quarter locally. The house I was looking at buying this year originally sold for $650,000. Mid-2008 that same house was priced at $350,000, and today I can find it for about $289,000. I’m not going to press my luck waiting for the “absolute bottom” because by the time I figure out it’s here, it’ll be gone. With more buyers active in the market and interest rates dipping back to record lows, it’ll take less than a year to absorb even our bloated inventory of homes. By all accounts, we will be well on the road to recovery by 2010. From an investment perspective, housing remains the best long-term builder of wealth the average American family has—plus it’s a roof over your head in these rainy winter months. As the old saying goes in real estate—it’s location, location, location. But to that we should add the 2009 codicil—TIMING. Time your move and you’ll be a happy camper in 2009—but remember to save up the good cheer, health, peace, and love. It’ll still come in handy next holiday season. Gene Wunderlich is a Realtor with Coldwell Banker Residential Brokerage. Share your questions or comments with GeneWunderlich@earthlink.net.

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REAL ESTATE The “Shape” of Things to Come

January 2009

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by Lisa Thompson Odd-shaped windows not only pose difficulty for the homeowner, they can be a challenge for a designer as well. Years ago, we were left with little options for the popular angled or arched top windows. Pleated draperies constructed with a custom-fit header that stayed in a permanent position or shaped mini-blinds and vertical blinds that opened in a cumbersome or unattractive way or were not even operable were the mainstay of choice. They covered the window, but that’s about all they did. Shapes are not the only challenge today. Homeowners want to control the light and glare, they want to control heat and conserve energy, and they want privacy, while still maintaining their view. Increasing the dilemma are the builders who are adding beautifully shaped, amazingly large windows in the most difficult to get to locations. Thank goodness progress hasn’t forgotten about the window covering industry. Product designers and engineers have developed answers to these problems and more. For example, something as simple as window film has made amazing advancements. Today, window film can screen more than 99 percent of ultraviolet light and reduce a large amount of glare from the sun. It can reduce heat and control energy costs. It can also strengthen the glass by holding shards in place in the event of an impact; benefits that work great for any window in a home, not just the challenging ones. Besides tint, hard-to-reach windows can be covered with motorized coverings. Once reserved for the more affluent homeowner, battery-powered and hard-wired coverings are becoming more popular and commonplace in the average-sized home. Manufactures

like Hunter Douglas and Century Blinds have motorized everything from the cellular shade to the wood blind. Lifting and lowering of the shade or rotating the slats can be achieved with the push of a button. Lafayette Window Fashions has even motorized the shutter, so slats do not have to stay put when they are installed on those hard-to-reach windows. Today, more types of blinds are available on specialty-shaped windows. Sun shades and cellular shades can be made to perfectly match the shape of most windows by using a template. Wood blinds, as well, can even be used on a variety of shapes and sizes. But, by far, the most popular and easy to configure product would be the custom shutter. Circular, arch-top, and eyebrow shapes are no match to the shutter of today. It can be fully functional and can add to any architectural style the builder has given you. They are best at providing energy efficiency and when opened or closed they can give you the privacy you require. Whether you look at the traditional wood shutter or the new Polycore shutter by Sunland Shutters, the options available can satisfy your needs as well as any design desire. So homeowners, bring on your challenging windows! With all the options available today, the only challenge is finding a window we can’t cover! Lisa Thompson and her husband, Marc Thompson, are the owners of Affordable Window Coverings in Murrieta.

Murrieta Named Safest City continued from page 1

this community safe,” Wright said. “Our officers have developed strong partnerships with this community through the relationships developed and maintained with our school district, our social service agencies, our business community, our residents, and all our local government and community services.” City Manager Rick Dudley credits the report’s findings to the City Council’s strong support of public safety and to the family-oriented nature of Murrieta. “Public safety is always a concern of ours and we take it very seriously,” Dudley said. “There is an increase in your quality of life when you feel safe in your community.” Although Murrieta was rated by CQ Press as the safest city in Riverside, San Diego, and Imperial counties, Chief

Wright won’t rest until the city is the safest in the nation. “We are happy with our success,” Chief Wright said. “But we are never satisfied by it.” Washington, D.C.-based CQ Press, a division of SAGE Publications, publishes books, directories, periodicals, and electronic products on American government and politics, with an expanding list in international affairs and journalism and mass communication. CQ Press consistently ranks among the top commercial publishers in terms of quality, as evidenced by the numerous awards its products have won over the years.

Home & Living Expo Returns to Temecula The Home & Living Expo brings the largest exhibition of home improvement products and services to the valley each Spring. This year’s show will feature hundreds of exhibits from leading industry experts including BBQ islands, patios, pools, spas, interior decorating, garage cabinets, kitchen remodeling, and much more. Most of the companies will be offering deals and discounts at the Home & Living Expo that will not be offered anywhere else. If you looking for home improvement ideas, you can’t miss this event! In its 5th year in the Inland Empire,

the Home & Living Expo will be at Chaparral High School in Temecula. The Expo is the ONLY show planned for 2009 and will take place over three days beginning on Friday, March 27 and ending on Sunday, March 29. Ticket proceeds will benefit the Chaparral High School Education Foundation. Information on the show and vendor applications are available online at www.TemeculaHomeShow.com. The Home & Living Expo is produced by Preferred Businesses. For more information, please visit the website or call (800) 577-8210.

Choosing Your Carpet: Carpet Fiber Characteristics Many homeowners choose carpeting because it is warm and soft under foot. Following are the most popular fibers used in carpets today along with some of their characteristics. NYLON: This is the most popular synthetic carpet fiber used today. It offers tremendous value, performance, and ease of maintenance. Nylon provides brilliant colors and hides soil and traffic well. Today’s most advanced nylon carpet fibers actually reduce dirt and soils ability to stick or transfer onto the surface of the carpet. These specifically treated fibers will even bead up liquid spills rather than allowing them to soak in. This makes carpets manufactured with these new generation fibers much easier to keep clean and looking like new longer than ever before. Some fiber manufacturers are producing fibers that feel as soft as cotton yet will outperform many other conventional carpet fibers. OLEFIN: This fiber is also called polypropylene. Olefin is extremely pop-

ular in Berbers, level loop carpets, and outdoor turf products. Olefin carpets are highly stain, static, mold, and mildew resistant. They can be used for indoor or outdoor carpets. Olefin’s resistance to matting and crushing is not quite as good as nylon. POLYESTER: Gives excellent color clarity with a soft feel to the carpet, but lacks the durability of a nylon carpet. WOOL: (The natural product). It offers great bulk, performance, and an elegant look. It will withstand dayto-day traffic and recovers easily from crushing. Wool can absorb moisture from the air without feeling damp. It also naturally disperses moisture back into a dry atmosphere, greatly reducing static electricity buildup. The natural fiber in wool keeps dirt and liquids on the surface of the carpet for easy cleaning and care. Wool naturally insulates, keeping your home cooler in the summer and warmer in the winter.

Garage Sales, The Easy Way When you think about selling your home, take a minute to look at it through a prospective buyer’s eyes. It can be a real shock to see all the extra “stuff” many of us have accumulated over the years. One of the best ways to clear out clutter is to have a garage sale. Here are some tips for making your garage sale easy and profitable: • Advertise your sale in a local newspaper, including your address, the time, and date(s). • Place directional signs at major area intersections.

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Place smaller items on tables. Be prepared for inclement weather. Put price tags on everything, and be flexible and ready to negotiate. Be prepared for early arrivals. Decide whether to allow early birds or if you will begin at the specified time. Have an adequate amount of change and small bills on hand. Decide whether you will accept checks. Enlist friends and family members to help—it's more fun that way!


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REAL ESTATE Leases Signed Inland Valley Victory Church has signed a lease for space at Highlands II Business Center, located at 40880 County Center Drive, Temecula. Mary Piper and Sheri Shoemaker of Lee & Associates represented the Lessor, and Mark Bishop of Rancon Real Estate represented the Lessee in this transaction. United State Gypsum Company (USG) has signed a lease for office space at The Farmer’s Professional Building, located at 43920 Margarita Road, Temecula. Sheri Shoemaker and Mary Piper of Lee & Associates represented the Lessor in this transaction. Stifel Nicolaus & Company has signed a lease for office space at Crossroads Corporate Center, located at 25220 Hancock Avenue, Murrieta. Mary Piper and Rob Crisell of Lee & Associates represented the Lessor, and Andy Nott of Grove Realty Services represented the Lessee in this transaction. Southland Gastroenterology (Dr. Nakka) has signed a lease for space at Rancho Springs Medical Plaza I, located at 25485 Medical Center Drive, Murrieta. Sheri Shoemaker and Mary Piper of Lee & Associates represented the Lessor, and Howard Rosenthal of Rosenthal & Excell represented the Lessee in this transaction. Ser-Jobs for Progress has signed a lease for office space at The Courtyard Building, located at 27349 Jefferson Avenue, Temecula. Rob Crisell, Mary Piper, and Sheri Shoemaker of Lee & Associates represented the Lessor, and Luanne Palmer and Chris Macken of Grubb & Ellis represented the Lessee in this transaction. Bret Abshire, MD has signed a sublease for office space at Jefferson Plaza, located at 27720 Jefferson Avenue, Temecula. Rob Crisell and Mary Piper of Lee & Associates represented both the Sublessor and Sublessee in this transaction. Wendt Enterprises, Inc., dba Hidden Eye Security, has leased 2,437 square feet of industrial space for 12 months at 26685 Madison Avenue, Suite B, Murrieta, from Stephen J. and Barbara S. Tortomasi Marital Trust. Chris Masino of Grubb & Ellis/WestMar represented both parties in the transaction. Roy Gude, dba Gude Performance, leased 1,326 square feet of industrial space for 2 years at 520 Crane Street, Suite C, in Lake Elsinore from Pasadena Street Industrial, LP. Chris Masino of Grubb & Ellis/WestMar represented both parties in the transaction. Sam White leased 400 square feet of office space for 6 months at 27450 Ynez Road, Suite 211, in Temecula from Temecula Plaza Center, LP. Jim Nadal of Grubb & Ellis/WestMar represented both parties in the transaction. Hills Family Corporation, Inc., dba Discount Dance Supply, leased 1,522 square feet of reteail space for

63 months at 26175 Jefferson Avenue, Suite 204, in Murrieta from JT Jefferson, LLC. Scott Forest and Jim Nadal of Grubb & Ellis/WestMar represented the Lessor in the transaction. Baldomero Rodriguez, Jr., dba Alberto’s Taco Shop, leased 1,100 square feet of retail space for 10 years at 40250 Murrieta Hot Springs Road, Suite 117, in Murrieta from 215/MHS, LLC. Marke Esbensen, Jason Gwazdacz, Carliene Anderson, Fred Grimes, and Beverly Search of Grubb & Ellis/ WestMar represented both parties in the transaction. Scott Chon, dba Yogurt Point, leased 1,046 square feet of retail space for 5 years at 29073 Overland Drive, Suite 10, in Temecula, from Temecula MO, LLC. Fred Grimes and Beverly Search of Grubb & Ellis/WestMar represented the Lessee in the transaction. Lionel Young, dba Lionel’s Vinyls, leased 4,157 square feet of industrial space for 3 years at 42113 Roick Drive, Suite 1, in Temecula from Regency Investments, LLC. Chris Masino of Grubb & Ellis/WestMar represented the Lessee in the transaction. Wind Turbine Tools, Inc. leased 5,488 square feet of industrial space for 36 months at 42309 Winchester Road, Suites A and B, in Temecula from Temecula Partners, LP. Chris Masino of Grubb & Ellis/WestMar represented the Lessee in the transaction. Samuel Kevin Martin, dba Star Wares, leased 1,112 square feet of industrial space for 12 months at 530 Crane Street, Suite G, in Lake Elsinore from Pasadena Street Industrial, LP. Chris Masino of Grubb & Ellis/WestMar represented the Lessee in the transaction. Sarmad S. Bidi, dba Weston’s Market, leased 3,266 square feet of retail space for 10 years at 40119 Murrieta Hot Springs Road, Suite A-101, in Murrieta from Murrieta Village Partners, LLC. Fred Grimes and Beverly Search of Grubb & Ellis/WestMar represented both parties in the transaction. Fernando Bermudez and Rocio S. Burmudez leased 1,000 square feet of retail space at 41925 Motor Car Parkway, Suite C, in Temecula from Solanez Investments, LP. Fred Grimes and Beverly Search of Grubb & Ellis/ WestMar represented both parties in the transaction. Beth A. Payne, dba Planet Beach Tanning Spa, leased 1,485 square feet of retail space at 40250 Murrieta Hot Springs Road, Suite 112, in Murrieta from 215/MHS, LLC. Fred Grimes, Carliene Anderson, Jason Gwazdacz, and Beverly Search of Grubb & Ellis/WestMar represented both parties in the transaction.

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Business Spotlight: Alice Sullivan and the Temecula Valley Chamber of Commerce continued from page 1

“Melody Brunstein is the one who came up with the idea for us to build our own building,” said Sullivan, who by 1994 had been appointed as President and CEO. Building seemed like a golden idea since leases were not effective for the Chamber: “Almost every time a building owner got a better offer, we had to go find another place,” said Sullivan. The business community was supportive and very helpful. “Dan Stephenson helped us find the land and his brokers even waived their commissions. Then, he donated thousands to us to help with the building.” By the time the boom in building came to Temecula, the Chamber was well situated with its own building and a tenant in the extra space built just for that purpose. Membership began to grow and again broke the 1,400 level. While everything was humming along nicely, the Chamber was developing critical liaisons with the City and other chambers. The staff was evolving into a cohesive and well-working mechanism. “Our success,” said Sullivan, “is in our partnerships and leadership, from our board members to volunteers, to staff and ambassadors. They are all awesome.” She credits current board chairman, Stan Harter, for helping to foster the positive spirit and “can-do” attitude that she thinks will help sustain them over the next couple of years. It has been these partnerships that have been vital to the Chamber now that another recession has come. In the past

year, about 200 businesses have left the Chamber due to the economy. According to polls done by the membership retention sub-committee, no one has left the chamber due to dissatisfaction with the organization. Those losses hurt the bottom line, naturally, and Sullivan and her staff are again instituting innovative ways to help not only the Chamber itself, but all the businesses that are their members. “We have trimmed staff hours, but no one has been laid off,” she said. “Our monthly newsletter may go to bi-monthly or even just electronic publication. Right now having a tenant is really helping us a lot with the building. We have the Technology Expo coming up in the spring and we’ve launched the Valley Young Professionals.” Other events aimed at helping businesses and the Chamber, too, include the E-waste recycling opportunities the chamber has started sponsoring and perhaps even more critical, the “Shop Temecula First” campaign designed to educate residents about the importance of shopping locally and how their tax dollars have a big impact on the city and county. Sullivan applauds her staff for being the approachable, accessible people that members love to interact with. “We love helping people. And we know people want to do business with people they know.” If you’d like to get to know your chamber better, contact them at (951) 676-5090, or on the web at www. temecula.org.


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REAL ESTATE

January 2009


January 2009

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THE VALLEY BUSINESS JOURNAL

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January 2009

MONEY ID Theft - Cover Your Business Assets

Successful Employment Relationships

by David Reese

by Mike Hayden

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Every three seconds someone in this country has their ID stolen. The costs are staggering in terms of time and money to repair the problems caused by this crime. It is the fastest-growing crime in the United States. As people become more aware and tighten down on personal information, the next logical place for a criminal to look for data they can use will be to business owners. What if your insurance company offered coverage for exactly this scenario? Sensitive internal company information and client data stored at your facility can be vulnerable to ID theft. In the insurance industry, records and files have very specific guidelines in place and given by state and, in some cases, federal agencies for their storage. Break those rules, and you’ll pay the fines. You certainly wouldn’t want to pay for damages incurred by the theft of your client’s information. Many forward thinking insurance companies we work with have added Data Compromise Coverage to business owner policies. It is designed to cover the cost of restoring your client’s ID and credit files in the event any sensitive records are ever compromised. It breaks into the following 3 coverage parts: Coverage 1: Legal and forensic information technology review to find where and how and why the breach in security occurred Coverage 2: Notification of the people involved Coverage 3: Assistance to the people involved, such as credit monitoring and other services Some companies not only offer this coverage but have also revamped the way commercial vehicles are rated and have subsequently lowered their rates. Most business insurance packages have significantly reduced rates with bet-

ter programs than anything previously available just two years ago. These providers have made these changes in order to meet market, economic, and business demands. These are the companies we’ve partnered with to bring you our Million Dollar Challenge. Companies like Safeco, Travelers, the Hartford, Kemper Unitrin, One Beacon, ACE, and AIG, all are offering better coverage packages at better rates, and all have adapted their products to meet today’s business needs. Get MORE coverage, a BETTER policy, all for LESS MONEY. That’s the goal of our Million Dollar Challenge: Use our provider partners to get better insurance programs into place that will SAVE you money. If your current business insurance program hasn’t been seriously reviewed within the last 2 years, it’s out-dated. The only question I’d ask you is, “Why?” The current environment for business insurance is unprecedented. Rates are down, coverage levels and limits are higher than ever, and you could save thousands of dollars a year, not to mention have real coverage for today’s real issues. In every other category of today’s economy, prices are going up dramatically with no end in sight. Take advantage of the one industry that has not yet followed suit. The whole process takes minutes and could save you and your business thousands. David Reese is a Partner of Bryant Reese and Associates Insurance Services in Temecula. He may be reached at (888) 587-3877 or (951) 587-6704.

Ground Broken For New Hospital continued from page 1 facility where medical personnel, not businessmen, provide the direction for care. The physicians then persuaded Loma Linda University Medical Center to come on board with the project, and Surgical Development Partners, a Nashville, Tennessee-based hospital developer was enlisted to make it financially possible. Long-time local practitioner and spokesman for the 70 physician group Dr. John Piconi, had nothing but praise for the project and how smoothly it came together. “With a group this large, especially partnering with a large university, there’s always potential for friction and delay. We were fortunate to all be working off the same page and

that no NIMBY’s turned up to oppose it, as we’ve seen with other local medical projects. Our communities deserve to have access to exceptional healthcare services and technology right here at home, near their doctors and families without having to travel hours to an outlying facility. ” Ruthita Fike, CEO of Loma Linda UMC agreed describing the collaborative efforts of the physicians and officials from the City of Murrieta as being very productive. “We’ve looked at other projects where one group or the other just wasn’t in sync with the overall goal of providing a quality healthcare facility. With this project there was an immediate synergy that kept all parties at the table

Effectively hiring employees involves making informed decisions at the right time and executing them properly. Our focus this month is to highlight some effective methods that will help you make educated hiring decisions and hopefully avoid the cost, liability, and stress of hiring the wrong person. One of the first keys to a successful employment relationship is to have a very clear understanding of the position you are trying to fill and what type of results you expect from the employee. Job descriptions change over time, but an initial description is necessary both for the employer and the employee. Informing a prospective employee of his or her job function and how their job impacts the goals and objectives of the company is critical to a successful relationship. Once you have a concise job description and a candidate in mind, discover all you can about the prospective employee before you hire them. A simple yet effective process of screening your employees before you hire them can be accomplished using the following guidelines: •

Review several prospects before selecting the top candidates.

Inform the top three candidates that they are in consideration for the position and will be required to provide references and background info.

Check all references carefully.

After selecting top candidate, provide a written “Contingent Job Of-

to assure this came to fruition.” Murrieta City Council Member Rick Gibbs was equally effusive. “Murrieta is gaining regional recognition as a healthcare magnet. To add this teaching and research facility to our community, especially attached to the prestigious name of the Loma Linda University Medical Center – Murrieta, is just phenomenal.” The Loma Linda University Medical Center – Murrieta is scheduled to open January 1, 2011 and is expected to generate 500 new jobs for the region.

fer” with requirements for a background check and/or a drug screen test or whatever else you require before hiring someone. •

Job offer should include all pertinent information regarding job including tentative start date, wage and salary information, job description, supervisor, etc.

After successful completion of the background check, inform the employee that the job is theirs and they can start according to the agreed upon start date.

Provide the employee with all pertinent employee policy information at the time of hire before they start work, including new hire documentation, employee handbooks, and employee benefit summaries.

Plan before you hire and spend more time preparing for their employment. Employee turnover is an expensive way to learn that someone is not right for the position Mike Hayden is Vice President and co-founder of Champion Employer Services, a Professional Employer Organization. Champion, founded in 1999, specializes in helping small businesses grow and profit through outsourced management of their human resource function. Mike can be reached at (800) 513-2153.


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MONEY Consolidating Your Accounts Can Simplify Your Finances by Steve Fillingim Juggling all the important responsibilities in your life, it’s easy for things to get complicated in a hurry. Even with all the advances in technology that were supposed to make things simpler, some days it seems like there are too many demands on your time. With so many things competing for your attention, you probably welcome any opportunity to simplify things wherever you can. While there are many areas you could choose to work on, one good place to start may be your family finances. Like many people, you may have your money spread out at a number of different financial institutions. Typically, you won’t gain much by spreading your assets this way, and in fact it may be making your life more difficult than it needs to be. To help restore a little order, think about minimizing the number of accounts you have at various institutions. Consolidating your accounts can provide numerous benefits. For starters, there’s the obvious benefit of only having one account to keep track of. And at the end of the year, filing your 1040 could be a lot easier because you’ll have fewer tax forms to contend with. But

If you’ve had your assets spread out among several different financial firms, you may be under the impression that this arrangement helps diversify your holdings. Unfortunately, however, it’s not the number of accounts you have that determines your level of diversifithese advantages cation. For example, let’s say you hold are just the begin1,000 shares of a certain stock, and this ning. Consolidatrepresents a large portion of your porting into an asset folio. It wouldn’t matter if you held that management account—an option offered position at one institution or with 10 difby most large financial services firms— ferent investment gives you access to firms; it still conseveral features that stitutes the same are convenient and With so many things proportion of your timesaving. competing for your overall investment Depending on mix. Consolidatthe institution, acattention, you probably ing to one account count features and welcome any opportunity could actually help fees may vary. But to simplify things identify potential the basic goal of aswherever you can. While challenges or opset management acportunities, and counts is the same: there are many areas you you could quickly to help simplify could choose to work on, see if your investthe management of one good place to start ments are well diyour investments. versified. With the majority may be your family By consolidatof your assets all in finances. ing your assets, you one place, it will be may be worried that much easier for you you’ll be missing and your financial out on the different perspectives and consultant to see the big picture of your opinions you receive from the multiple finances. That view will help considerfirms you currently associate with. The ably as you work to find the most aptruth is, however, working with a large propriate asset allocation strategy to suit financial services firm will still give your financial situation.

The New Executive Challenge: continued from page 5

6. Look, Listen, and Adapt: Regularly assemble the leadership team to monitor overall progress: check your measurements, ask for qualitative feedback from customers and the workforce, and lay bare positive and negative impressions. Then consider the implications of the various actions taken. Are your strategies leading you toward the ideal vision for your business? If not, what shifts are necessary? Tip: Engage in a higher-level “gut check.” Do the results feel right? Are momentum and motivation levels still high? Are you listening? Have you reality-checked the big picture messages? Conclusion: Little thought is given to the “what if” of worst-case scenarios during prosperous times. The bright point of any storm is that previously undiscovered opportunities surface when leadership is forced to reflect on and examine worst-case scenarios. Scott Hamilton, Senior Partner and Practice Leader of Allign, has devoted over 20 years to the successful improvement of executive and workforce performance in “Fortune 500” through mid-market manufacturing and distribution companies. As both a corporate executive ( Nestle, AlliedSignal,

McDonalds, ARAMARK) and external “strategic execution” consultant, Scott has helped leaders of distribution companies to improve their personal effectiveness in managing and leading teams to create powerful working relationships and achieve greater business value. His organizational expertise includes performance management programs, leadership development; strategic planning; business metrics; team effectiveness programs and the pioneering use of “collective intelligence” alignment programs. Scott is the co-founder of Allign, a company that has developed and introduced a unique proprietary process called AllignMaps© that bridges leadership vision, organization goals and team/individual performance to accelerate results. Allign assists organizations to refine their strategy, identify key objectives of highest value, and engage the entire workforce around key strategic initiatives to produce improved employee retention, productivity and accelerate business results. He is a frequent keynote speaker at trade associations, CEO groups and industry conferences. Reach him at Scott@allignteam.com

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you access to the opinions and investment advice of a diverse group of its economists and strategists, who work together to decide how to inform and educate clients. You might also be concerned that consolidating your assets will require you to give up some control over your portfolio. In reality, you can actually decide just how involved you want to be with the decisions made on your account. Working together with your financial advisor, you can choose to participate in the investment decisions, you can delegate that responsibility to the advisor, or you can even explore the options of working with outside money managers. Given how complicated life has become, it’s never a bad idea to take advantage of opportunities to eliminate unnecessary complications. Consolidating your investments is a great place to start. This article was provided by Steve Fillingim, Branch Manager in the Wachovia Securities Temecula branch. Steve Fillingim can be reached at (951) 699-1833. This article was written by Wachovia Securities, LLC, member NYSE/SIPC, a registered broker-dealer and a separate nonbank affiliate of Wachovia Corporation.


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MONEY The Credit Repair Scam

January 2009

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by Gene Wunderlich I don’t know about you, but I’m stretching my pennies these days. I’m squeezing every nickel until Ole’ George hollers. A lot of you are in the same boat. Times are tight right now—people losing their homes, a gallon of gas heading for $4 with a gallon of milk costing even more, auto sales slumping, advertisers cutting their budgets, everybody doing what it takes to get through this little gulley in the financial roadway of life. But it seems every time I turn around there’s somebody else trying to get their hand into my pocket—like there’s anything of interest in there. We’ve talked about the mortgage fraud scams that have rocked the Valley, and the foreclosure scams and reverse mortgage scams and the identity theft scams—well, here’s one that’s been around for awhile but is really starting to take off again due to the problems folks have had keeping up with their budget the past couple years—the credit repair scam. You see the ads in newspapers, on TV, you hear them on the radio, you get postcards in your mail—everywhere you turn—offers to “repair your credit”. Every day thousands of people type “credit repair” into Google, hoping for the promised cure: • We can erase your bad credit— 100% guaranteed • Remove bankruptcies, liens, and bad loans from your credit forever • Create a new credit identity—legally For a fee, these companies offer to clean

up your credit report so you can get a car loan, a better mortgage rate, or even a job. The problem is, they can’t deliver. After paying them hundreds or thousands of dollars to improve your credit, most simply disappear back under their rock with your hard-earned cash. Having said that, there are legitimate credit counseling services out there, some non-profit and some for-profit, and they work by the book to guide you through your credit nightmare—but it’s a time consuming and intensive process and does not—CAN NOT—happen overnight. So if you decide to respond to a credit repair offer, here are a few things to look out for: • Companies that want you to pay for all, or part, of their service up front. Credit repair services can’t ask for payment until they’ve kept their promises. Federal law also requires credit repair services to give you an explanation of your legal rights, a detailed written contract, and three days to cancel. • Companies that recommend you not contact a credit reporting company yourself. Why? You might find you can do many of the things for free that they are offering for a fee, and you might also find out some of the things they promise are illegal. • Companies that offer you a “new” credit identity, build a clean report from scratch.

Tips for Starting a Home-Based Business According to the U.S. Census Bureau, there are around 10.4 million people in the country who are self-employed, and 5.4 million people who work from home. In the current downward economy, where 10.3 million people are unemployed, starting a home business may be their best option for finding suitable work to keep an income flowing into the house. “Home-based businesses are so ideal because starting one is very cost effective. It keeps the overhead low, which helps increase the business’s chances for success,” explains Cher Murphy, president of Cher Murphy PR (www.chermurphypr.com), a public relations firm with offices in Miami and Virginia. “However, you can’t just jump in without doing some planning first. All businesses need to follow some basic footsteps for success.” Here are a few helpful tips to follow when starting a home business: • Tapping into your talent. The

first thing that you need to do is decide what type of business to start. Most people have talents and work experience that they can easily convert to a work-athome revenue stream. Make a list of all the experiences and talents you have to see which one provides the best work-athome opportunity. For example, if you are an unemployed secretary, you may want to consider starting a virtual-assistant secretarial service, or a typing or phone-answering service. Alternatively, you could become a representative for another company, but you have to exercise caution in choosing which company to go with in order to avoid scams. • Create a plan. Even if it’s handwritten, you should have a business plan that describes your goals and mission. This can be re-visited as needed, but setting goals will help you reach them. • Keep it legal. After narrowing down a business name, be sure to check with your state to see what you

Companies that advise you they will dispute all derogatory information on your credit report until it’s removed. These last two constitute most of the scam element because they sound so do-able. Create a new credit identity and your old problems will disappear. The company will provide you a new number that looks like a Social Security Number (for a fee). Now understand that only in the rarest of circumstances will the Social Security Administration issue a new number, so what most of these numbers are is called an Employer Identification Number, or EIN. Looks and acts like an SSN, works a lot different. First off, it’s gonna mess up the IRS. They’re going to see two numbers on you but only one return and they’ll get curious. You don’t want that. Assuming you make it past them, wait until you try to collect your retirement and Social Security Benefits that were collected under the old number. But hey, you’ll be retired by then with plenty time to deal with those fraud charges. Finally, don’t you think a mortgage broker or auto dealer is going to think something’s up when you waltz through their door at 45 years of age with a brand-new sparkling credit report and no history? Don’t fall for the new identity scam. How about disputing all your derog’s? Absolutely—that is something you should do. You can even do it yourself for free. By law you are entitled to a free credit report once a year from the three reporting agencies. Simply go to https://www.annualcreditreport. com/ and sign up. Your reports can be mailed or downloaded on-line, and if

you see something wrong on the report, inaccurate information, debts you know nothing about, that sort of thing, you can dispute the item to the company. By law they have 30 days to investigate and if they can’t get corroboration for the item, it will be removed. Usually while an item is under investigation it will be removed from the report until it is verified. HOWEVER, what the scammers will do is file dispute after dispute after dispute, which will temporarily remove the item from your report. But if the item is valid, if you made a payment late, if you had a bankruptcy, if it’s legitimate, it will be back. All valid credit items stay on your record for 7 years, even if you pay off and close the account. BK’s stay around for 10 years and nothing, nor nobody, can remove negative information if it’s accurate. Honest. And these repeated disputes eventually tick off Experian and Equifax to the point where they won’t even respond to legitimate inquires you might have. It’s not worth it. Remember—if something sounds too good to be true…well you know the rest. Unfortunately there’s a sucker born every minute and two grifters to take advantage of him. A word to the wise is sufficient—a wink’s as good as a nod to a blind horse.

legally need to operate. You may need a “doing business as” (DBA) or a business license, depending on what type of service you are offering. • Keep costs down. In your business plan, include a list of all expected expenses. Try to avoid any that aren’t absolutely necessary right then. • Avoid scams. Remember, if it seems too good to be true, it probably is. Advertisements making huge promises for easy ways to make thousands from home are most likely not legitimate. The Federal Trade Commission (http://www. ftc.gov) offers information on avoiding scams, as well as how to report them if you find them. • Get the word out. In order to get the news out about your new business, you will have to be proactive. Don’t assume that if you build it they will come. You should have a professional-looking Web site and work with a public relations specialist to narrow down and tap into your customer base. • Be realistic. When you set your goals, be sure to have realistic ideas about what you can make from home and what, logistically, you can do. Also, expect the first year to be slow as you

work past the bumps in the road and build your customer list. “Home-based businesses are great because they provide people with the opportunity to make a real living from the comfort of their own home,” adds Murphy. “All it takes to get one started and on the road to success is a plan, and putting that plan into motion. For many, this is the right time to turn their dreams of having their own business into action. ” Cher Murphy PR is a full-service public relations agency, with offices in Miami and Virginia, which focuses on small-business public relations management. The firm was started by public relations veteran Cher Murphy, who has had experience working in large agencies as a vice president, writer, editor, client account specialist, and media relations professional. She has extensive experience at gaining exposure for small businesses in consumer, businessto-business, Web-based companies, financial services, travel/entertainment, governmental, technology, food, and hospitality industries. To learn more, visit www.CherMurphyPR.com.

Gene Wunderlich is a Realtor with Coldwell Banker Residential Brokerage and a member of the SRCAR/IVAR Fraud Task Force. You can catch up on fraud advice from around the country by visiting http://activerain.com/groups/ fraud.


January 2009

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MONEY Life Settlements: A New Idea, 97 Years Old You remember 1911…don’t you? Ronald Reagan, Lucille Ball, and Hubert Humphrey were born. The first running of the Indianapolis 500, along with the first expedition to the Antarctic occurred in 1911. 1911 was also the year the United States Supreme Court legalized life settlements, the sale of a life insurance policy to a third party. Justice Oliver Wendell Holmes spoke for the Court in Grigsby vs. Russell when he said, “It is desirable to give life policies the ordinary characteristics of property…to deny the right to sell is to diminish appreciably the value of the contract in the owner’s hands.” The Court heard the case of a man without means who was in desperate need of a medical procedure and sold his life insurance policy to a physician (for $100) to pay for the surgery. It is not clear if the doctor was the surgeon in this case or if the man survived the surgery. However, the decision of the Court made it clear that a life insurance policy was considered personal property and freely transferable. While life settlements had become a legal and legitimate transaction, no life settlement industry developed for over 85 years after the Supreme Court decision. Only after Wall Street

became involved in the late 1990s did a true secondary market for life insurance policies emerge. Prior to the secondary market with institutional buyers, individuals could only sell policies to individuals or private groups with deep pockets. These insurance buyers only got paid back on the death of the insured. The insured felt at the mercy of a patient (or impatient) buyer. Today, the life settlement industry is a thriving $15 billion industry with estimates of 1,000% growth over the next few years. The reason: a life insurance policy, owned by a senior, that is unwanted, unneeded, or unaffordable may be worth far more than the issuing insurance company is willing pay you. “Blue chip” financial institutions compete against one another in a bidding process where the highest bidder presents you with an offer for your policy. What a concept! Don’t you wish you could sell your home that way? Bill Tsotsos is a life settlement marketing specialist. He may be reached at (951) 834-2023.

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MONEY S-Corporation Compensation

January 2009

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by Nicole Albrecht

Pinpoint Your Reactions to Recession

tion. Also, salary The number one audit risk that Sis reasonable if a Corporations have to deal with is salnon-officer would ary and wages paid to officers of their be willing to take corporation. One of the fastest ways for a job that is set at the IRS to audit an S-Corporation is to a proposed salary file an 1120S tax return with no amount level. showing on Line 7. It is assumed by Generally, the IRS will allow the the IRS that no one works for free, and corporation a set by that being said of standards for setthe IRS has made The number one audit risk ting the compenit clear that officers that S-Corporations have sation for the ofof the corporation to deal with is salary and ficers-employees. must receive wages wages paid to officers of However, the salin a profitable enary must be paid, terprise. So as an their corporation. and the level that owner of the corpothe salary is set at ration, you need to must be reasonable. Zero salary is unpay yourself a salary, pay payroll taxes reasonable, NO one works for free. You on that salary that you set for yourself. would not want to persuade an employee The salary that you pay for yourself to accept a job offering below what does not need to be high, however it minimum wage is. does need to be a “reasonable amount” The IRS can collect payroll taxes according to the IRS. on an officer’s compensation, and the Compensation of an officer should penalty for failing to pay payroll taxes be based on the same criteria as what is 100% of the taxes owed by the corpoyou would pay someone to do the job ration. To avoid this payroll tax penalty that you do. Things that should be reeach officer and the employees should membered when setting the salary is be paid a reasonable compensation. prevailing market rates, the individual’s knowledge, skills, and abilities to do the Nicole Albrecht is with Financial Acjob efficiently, amount of hours worked, counting Services. She may be reached and other factors that involves the line at (951) 719-1515. of work that goes with the corpora-

According to many experts, a recession has arrived or soon will. Times may be rough, but you’re not helpless. Management consultant Ram Charan suggests several principles for companies to follow, and these ideas may apply well to your group, too. Most important: React rationally and selectively. It’s not a time for knee-jerk reductions in costs, products, services, or personnel. Check out the following tips: Conserve the future. Review spending, but don’t treat your group’s primary work as an area for scrimping. Sustain product and service innovation and improvement—when the recession lifts, you’ll be ahead of your competitors. The same is true for all aspects of employee development. Retain valuable employees by continuing rewards for outstanding performance. Also continue to scout, track, and contact prospective employees, even if hiring must be partly curtailed. Bad times can be good opportunities to do this because the workforce is much more volatile. To support all these efforts, avoid salary cuts as long as possible. If they’re eventually needed, accept them for yourself as well, hard as that may be. Increase the flow of information. Avoid the tendency to “hunker down” and dodge the deluge of bad news. In-

stead, intensify information-gathering activities, and look for solutions and other good news. For example, talk more to your contacts inside and outside the organization instead of less. Don’t freeze up over decisions, either. Careful is good, but slower is not. Attack those tough decisions—they are your job right now. Set decision deadlines and meet them to keep your momentum going. As well as gathering and using your information, share more of it with your employees. The beneficial aspects of keeping folks informed during a crisis are well-known; don’t overlook them now. With customers, think “quality.” Don’t apply blanket reactions to customer relationships, either. Instead, improve the customer experience all along the service path—marketing, purchase, product use, and service. However, do look closely at your customers themselves, both internal and external. Identify those who will most assist you in fighting the recession. For example, don’t imperil your cash flow just now by coddling customers who won’t pay. Just as recessions often seem selective about whom they impact, be selective in the way you react. —Adapted from Fortune


January 2009

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MARKETING MATTERS Get Out and Network! by Kimberly Davidson If you’re like me, you have no doubt made a list of resolutions for the year that you’re determined to accomplish. The usual—join a gym—might be on there and a new one, “Build my business back up”, might be making its premier thanks to the current economy. Here’s one for you to add as well: Get Out and Network! Things have lightened up around town, have you noticed? People aren’t attending networking groups like they were before; memberships are down for all business-related organizations; basically, people seem to be hiding behind their desks these days. Well, get up and dust yourself off for the new year because now is the best time to get out and do some networking! Networking, as defined by the dictionary, is “the cultivation of productive relationships for employment or business.” Relationships take time and you will want to have those relationships in place when the economy improves, so now is the time to establish and work on them. Business owners, and anyone else with a desk and piles to get through, often find it difficult to balance time out of the office getting work with time in the office doing the work. If you are finding these days that the workload is very light, then it’s time to re-balance that with more time out of the office. Some of the best places I have found over the years to network in our

area are the Chambers of Commerce. The Chambers are specifically designed to help businesses in their area and offer many affordable ways of helping you to get your message to your target audience. Other groups such as the Professional Women’s Roundtable, BNI, LeTip, and the National Association of Women Business Owners (NAWBO) can be very good as well if they help you to either reach your target audience or to grow professionally. There are many, many other community and industry-based networking groups in our area. Find the ones that fit your needs and then get involved with them. Keep in mind that networking groups are like gym memberships in that you will only see results if you go and participate. Just joining doesn’t garner any results. Darn, scratch that one from the list of resolutions! Kimberly Davidson is the Business Development Manager for the City of Murrieta and owned a marketing firm in town for a number of years. She received the 2008 National Award for “HomeBased Business Champion of the Year” and the 2007–2008 Chairman’s Choice Award from the Murrieta Chamber of Commerce. Kimberly can be reached at (951) 970-8242.

The I’s Have It: What Inspires You? by Laura Bruno A new year is here and it is time to set goals and create an action plan to achieve those goals. We all think about this and we set our goals in our mind and yet only some of us actually write them down. Did you know that we are seven times more likely to achieve our goals when they are written? The author of Think and Grow Rich, Napoleon Hill, said, “The world has a habit of making room for the person whose words and actions show that they know where they’re going.” What are your goals for 2009? How will you get there? Goals should be “SMART”, which is an acronym for specific, measurable, achievable, realistic, and timely. If you want more information on how to set your goals, “Google” goal setting, there is a tremendous amount of information on the subject. The second part is the “how” you are going to achieve them and creating the action plan that will get you to where you want to be. Without this step you have a great idea and that’s it. Give this

some thought and write it down. Many of us take these steps and get off track as time passes. Our focus shifts to putting out the fires and working “in” our business. That is going to happen, it’s normal and natural. What makes the difference in reaching our goals is acknowledging when we get off track and having something that inspires us to get back on track to achieve them. If we are not inspired we won’t get there. When we are truly in touch with the “why” we are doing what we do, it motivates and inspires us. Do you want more money, time, autonomy, make a difference in the lives of others, or…? When you get in touch with your “why” you will find that inner spark to keep you focused on achieving your goals. What inspires you? Laura Bruno is with Referral Institute SoCal. She may be reached at (951) 699-2558 or by e-mail at Laura@Referralinstitutesocal.com; website: www. Referralinstitutesocal.com.

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MARKETING MATTERS

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TECHNOLOGY UPDATE Is Spyware Slowing Your Computer Down? by Deena Stayner We’ve all had problems with Spyware from time to time and had to deal with all the symptoms and finding solutions…a daunting task. There is help out there for those of us who don’t know where to begin. Fast-teks is a leading on-site computer services company that is dedicated to helping consumers and businesses alike. Fast-teks prides itself on fast, efficient, and professional onsite computer repair services. Fast-teks repairs all major computer brands. They offer Troubleshooting, Virus Removal, DSL & Cable setup, Wireless Networking, Data Back Up and Recovery, Preventative Maintenance Agreements, Website Development, and more. What exactly is Spyware and where does it come from? It is a common question plaguing many computer users and is the most common question we at Fast-teks are asked. The answer is

pretty simple to this concerning problem. Spyware is software that gathers personal information from computer users without their knowledge. It basically sends information from your computer to a third party. Other terms associated with Spyware are adware, malware, keyloggers, phishing attacks, and snoopware. All terms have a slightly different meaning, but all of them fall in the annoying category of Spyware. They all want to know your Internet surfing habits so they can target you with pop-up advertisements that cater to your hobbies and preferences. How do you know when and if your computer is infected? Any computer that is connected or has been connected to the Internet (High Speed

7 Internet Freebies You Should Use For Your Business by Brian Woeller I know the holidays are over, but I’ve got a late gift for you. The following are some really useful websites you should be using for your business and best of all…they’re free! Sure beats getting another fruitcake, huh? 1. Buy And Sell Stuff. Craiglist (http://inlandempire.craigslist.org) is an online classified ad community, segmented by geographic areas, including one for the Inland Empire. Its nickname is “free bay” since you can buy or sell most items for free (unlike Ebay). You can promote your business, buy equipment, sell equipment, advertise for employees…even find a date! Only a few categories allow you to post images directly into the ads, but there’s a way around that, too, with the next “freebie.” 2. Web Image Hosting. Sites like Craigslist and Ebay often require that you have the images you want to display, hosted somewhere else. You then use HTML code to access those images and display them in your ads. But what do you do if you don’t have a way to post your images online? www. imagedeposit.com to the rescue. Simply upload your images there and the site will generate HTML code for you to put into your Craigslist or Ebay ad. Don’t worry, it sounds more complicated than it really is. 3. Be A Know It All. This is a great way to spy on competitors or simply keep up to date with your customers, family members, or friends. What www. google.com/alerts does is scour the

web each day for any new postings that contains the names or words you register with it. Then, each day Google sends you an alert with a link to whatever it found pertaining to your keywords. A little discretion is in order though, since it also searches public records. 4. Free Office Suite Software. Want to be able to read MS Word and Excel files but don’t want to contribute to Bill Gates’ quest to own the world? You’re in luck. At www.openoffice. org, you can download free versions of software that will enable you to do just about everything you could with Microsoft Office, without the price tag. There’s a word processing program, spreadsheet program, drawing program, and more. Viva la resistance! 5. Call All Over The World. Voice Over IP is the technical term for using the Internet to make free phone calls. You use your computer to make the calls with software obtained from www. skype.com. For it to be free, the person you’re calling has to have the software installed on their computer, too. If you want it to be more “phone like”, you can pay a small fee to be able to call land line numbers. You can also dig into it a little deeper (pay more money) and get phone handset hardware that is independent of your computer. 6. Get New Fonts. Feel like spicing up your documents? How about a big, fat, new type font that really makes the

and Dial-up alike) could potentially be targeted with Spyware. Some symptoms that diagnose an infected computer include: • Strange Browser Behavior: Your Internet browser might be hijacked. Your default page has been changed without your knowledge. Your Tool Bar might be completely different. • Poor Performance: Your computer might be very slow, freezing up, or crashing. • Pop-ups: You are getting “bombarded” with pop-ups and unwanted advertising, even when you are not connected to the Internet. • Invasion of Secure Websites: Denied access to secure websites (https-sites) can be caused by Spyware. What can I do to protect myself? • Avoid opening suspicious pop-up advertisements and e-mails. Those messages could be spam intended to install Spyware on your computer. • Keep your computer clean by installing pop-up blockers. • Clean your “cookies” and defrag your computer periodically. • Keep your Operating System healthy and up to date by downloading the latest security patches. • If you are using Microsoft Windows, enable automatic updates to receive the latest patches necessary to keep your system healthy. Please

word “INVOICE” stand out? Well at the website www.Dafont.com you can browse through and download over 7,000 different fonts all categorized and preview ready. Some of the Dingbat fonts are pretty cool little illustrations that could save you money on clip art for your newsletters, postcards, and other marketing materials you should be sending out but probably aren’t. Most of the fonts work with both PC and Mac. 7. Convert File Formats. www. Zamzar.com makes it easy to convert files from most popular image, document, and video formats into another. While you used to have to search the web to find and download some obscure application to convert each type of file, Zamzar.com will convert files up to 100MB in size in just 4 easy steps. Sooner than later you’ll run across a need for one of these sites and you’ll remember reading about it here, but won’t remember the web address! Save yourself a little self-loathing and bookmark them now in your web browser for later use. Brian Woeller is an Internet Marketing expert in Temecula. His Company, “Wildfire Search Engine Marketing,” specializes in guiding companies new to internet marketing through the treacherous maze of techno babble and scam artists. For more information or to contact Mr. Woeller, please see his website at www.WildfireSEM.com.

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understand that Microsoft will NEVER send you an e-mail with this type of information. • Keep computer updated with the latest anti-virus software available. Your preferred anti-virus software might have pop-up blocker and Spyware removal tools built in. However, do not rely on your antivirus software to do the complete job for you. • Scan your system with the latest anti-Spyware scanner. When configured properly, it will find and remove any Spyware it finds. Make sure to reboot and repeat the scan before connecting to the internet again. Getting stubborn Spyware removed from your computer can be time consuming, especially if you are not familiar with your system. It will also require some good software to do the job. Some top Spyware scanners that have received good reviews include: 1) Webroot Spysweeper 2) Sunbelt Counterspy 3) Spybot Search and Destroy If you have a comment or question, please contact Deena Stayner at dstayner@fastteks.com. For more information about Fast-teks and their services, please visit the website at www. fast-teks.com or call (951) 506-FAST (3278).


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HEALTHY LIVING New Year’s Resolutions— Five Keys to Getting and Staying Motivated

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by Sandra Bright What are your new goals for 2009? Do you want to stop smoking, exercise, loose weight? Once we create a new goal, how do we stay motivated? Here are some helpful hints to keep our motivation strong. Key #1 – Create a compelling mental image of having completed the goal. Utilize all of the senses: vision, hearing, kinesthetic (touch), olfactory (smell), taste. For instance, in the context of weight loss we could visualize ourselves the size we want to be and make it more compelling by including wearing the clothes we have always wanted to wear. We could include people seeing the new us, see ourselves in some special place that relates to being slimmer. Now, imagine the things we may hear like “You look so good. I’m so proud of you”. Include all the things we can imagine people saying to and about us. What will we say to ourselves? Then imagine how light our bodies may feel and how the clothes will feel or how it will feel when people hug our new thinner body. The sense of smell could include a favorite perfume we reward ourselves with. And taste could be, well,

the sweet taste of success. It could be the taste of a loving kiss. It is important to make it personal to oneself. The fuller the experience the more attractive and compelling the outcome will be. Key # 2 – Did you know that goals can be either “away from” or “toward” goals? “Away from” goals are goals that we are going away from. They are negative goals, like “I don’t want to be fat or poor or sick”. Toward goals are positive goals like “I want to be healthy and make a lot of money this year”. The problem with away from goals is that they are motivated by fear, so if our goal is “I don’t want to be poor”, as soon as we get a little money ahead, we start doing the negative actions (spending) that create the fearful thoughts we use for motivation, like “I am poor again”. As you can see, the results are inconsistent. On the other hand, toward goals are positive goals, such as something we want to acquire or do or be: “I want to be as healthy as I can be”. This is coming from a positive or inspired point of view for motivation and we are continually

going toward the goal. Now, once we reach the goal, we have success and we create another, so our results are much more consistent. Key #3 – Our internal dialogue plays a big roll in our success, too. If I were to say to you, don’t think of a blue tree, what would you think of? A blue tree. That’s because the unconscious mind must think of a blue tree in order to process that statement. So our internal dialogue must speak of what we do want, not what we don’t want, like “I want to be vitally healthy in every way” not “I don’t want to be sick.” We want the subconscious mind to process healthy not sick. Key #4 – Additionally, it is useful to follow the guidelines of making goals SMART. Smart goals are Specific, Measurable, Attainable, Realistic, and Timely. This makes us think a little deeper and make a more concrete commitment. If I were to make a weight loss goal it might look something like this: I have lost 2 lbs per week for a total of 50 lbs in 6 months. • Specific: Loose weight • Measurable: 50 lbs total • Attainable: 2 lbs per week • Realistic: 2 lbs per week is considered safe and healthy • Timely: 6 months Think of the goal as if it has already happened. I have lost 50 lbs in 6 months.

This makes us think of the outcome of our efforts and keeps us motivated. Key #5 – We can question ourselves. We can ask the question “what makes us want that goal” and write it down. We can keep asking ourselves “what else makes us want it”? Empty all the reasons out of our minds. We can keep asking and writing until we have repeated at least 3 items on the list. Now, here’s a mind twister that really makes us think deeper. We can ask ourselves: • What would happen if we did (complete our goal)? (Positive) • What would happen if we did not? (Negative) • What would not happen if we did? (Negative, Positive) • What would not happen if we did not? (Positive, Negative) We can use these exercises in any context: weight, income, work, health, spirituality, family, and friends. Whatever our goals are or whatever we what to change in our lives, these exercises help us determine for ourselves how much we want the goal, if it is really worth the effort. This self-knowledge and personal experience will help us set realistic goals and keep us motivated. Sandra Bright can be reached at (951) 443-5083.

Do You Suffer With Chronic Pain? by Dr. Tina Gottlieb Specific upper cervical chiropractic could be the answer for you. This specific type of chiropractic care has been very successful in helping people not only find relief for chronic pain, but also in preventing it from returning. Even patients who have been “everywhere” and tried “everything” often find relief. Thomas Edison said, “The doctor of the future will give no medicine, but will interest patients in the care of the human frame and in the cause and prevention of disease.” What is the upper cervical chiropractor’s goal? To improve TOTAL BODY FUNCTION by removing nervous system irritation so the body can heal itself. Why is the upper cervical spine so important? Misalignments of upper cervical vertebrae (top portion of the spine) can decrease communication between the brain and body resulting in abnormal function, pain, and disease. How does the upper cervical spine get misaligned? The ways are too numerous to list, but include minor bumps on the head, falls, poor posture, stress, sports, auto accidents, and whiplash. What is involved in upper cervical care? An interview and examination is used to determine your current health status and medical history. Computerized Paraspinal Infrared Thermography,

which is a noninvasive, painless scanner that is run along the spine, is used to detect nervous system irritation. Precision laser aligned x-ray determines the upper cervical vertebrae’s position. During care individualized adjustments, which use a specially designed table that stabilizes the head and neck, avoiding twisting or rotation, is used to make specific adjustments. These adjustments correct the misalignments to the spine. Thereby reducing nervous system irritation and returning you to good health. What conditions have upper cervical chiropractor’s helped? Although you can never guarantee that any two people with the same condition will have the same results, the following list represents some conditions that many people have found relief for: Anxiety; Asthma; Carpal Tunnel Syndrome; Dizziness; Tension, Migraine, and Cluster Headaches in children and adults; Insomnia; Numbness in limbs; Fibromyalgia; Sciatica; Torticollis; Whiplash; and many more. Dr. Gottlieb can be reached at (951) 699-5161 or visit www.drtina.com.


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HEALTHY LIVING Treatment—Residential or Outpatient? by Rocky Hill With all the hype around celebrities and their trips in and out of rehab, it gets pretty confusing as to whether treatment even works and how to help a loved one find the best, most appropriate care for a substance abuse problem. Ultimately, there is no “one size fits all.” Some people will require a period of detoxification followed, always, by either residential or intense outpatient treatment. The detox phase is simply a period of time to allow the body and brain to adapt to the absence of the substance. It is crucial to get this phase right, as coming off some drugs (including alcohol) can be fatal. Once the patient is medically stable, the real recovery work begins. Many people can remain abstinent and begin recovery through evening outpatient sessions. Others require a higher degree of intensity and a removal from their normal environment. Residential treatment has changed. For years alcohol and drug treatment has been provided typically in a hospital setting. While those in acute detox are often best served in this setting, others are not. We are finding that by combining intensive therapy, focusing on past emo-

tional losses, with a serene nurturing residential environment, we provide the perfect combination for acquiring a very rapid, solid recovery. We have created a ranch setting surrounded by fruit trees overlooking the heart of wine country. Somehow the quarter horses, miniature horses, baby pot-bellied pig, and our dogs serve as co-residents who freely offer unconditional acceptance and a feeling of peace. This form of residential recovery followed by another 30 days of evening outpatient treatment seems to offer the best of both worlds. Recovery from addiction awakens from the heart and soul of individuals, but hope and the opportunity for change are obtained from our surroundings and actions. Fortunately, addiction is treatable and increasing numbers of addicts are finding the promise of recovery. Rocky Hill is the Executive Director and Certified Forensic Counselor for Hill Alcohol and Drug Treatment. His office number is (951) 676-8241, or view his website at www.hillrecovery.com.

When You’re Not Sleeping Well… The end of the year has arrived, bringing celebrations—and probably a lot less sleep than you need. You’ll be worrying, staying up late, and getting up early to meet your deadlines. It’s fine to promise yourself that you’ll get more sleep when all this is over, but what can you do now about the day that stretches out before your bleary eyes? Stick to a sensible diet. Don’t make your problem worse by overdoing the caffeine and sugar. Caffeinated drinks dehydrate you, bring on headaches, and ultimately increase fatigue; sugar gives you a temporary buzz but drops you into depression fairly quickly. Do have some coffee and holiday candy, but balance them with lots of water and foods with protein.

Let people know. Be frank with your employees and tell them, “I didn’t get enough sleep last night, and I’m not thinking up-to-speed.” You may need your people to speak a little slower, give you a list of things they need done rather than merely a verbal request, allow you more time to think over decisions—or excuse a little grumpiness. Respect others’ schedules. Don’t impose your sleep-deprived routine on others. If you’re getting up early or working late, take it easy on the offhours phone messages and e-mails. If people know they’ll be overloaded as soon as they arrive at work, they may start losing sleep themselves. You know what that’s like.

Sign Up for Privacy Watercooler talk, chatting, shooting the breeze—whatever you call it, it makes the workday more pleasant. Still, sometimes overly gregarious coworkers keep on talking when everyone else wants to get back to work. One work team solved this problem by making signs reading “The doctor is in” and “The doctor is out” for each cubicle. The cube dweller simply hung the appropriate sign on the cubicle wall or the back of his or her chair. Message delivered with humor; privacy and feelings protected. —Adapted from Harvard Management Update

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LEGALLY SPEAKING Are You Starting Your Year Off “Legally Correct”?

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by Robert B. Rosenstein, Esq. As we enter the new year, we want to wish each of our readers a Happy and Healthy New Year. With the new year comes great opportunity for success and also the need to make sure legal issues are in order. It is a time to protect your personal and business assets, plan for the unexpected, and put into effect a tax plan for the next year, which will benefit you in the upcoming year and not in 2010. Each business operator should review the structure of their business, and make sure it is being operated in such a manner as to provide protection for the operators and shareholders. In particular, a “veil” needs to be established through the use of a corporation or some other legal entity (such as a limited liability company), which serves to separate the legal operation of a business from the individual. If a business is already operating as a corporation or some other form of legal entity, it is time to make sure all legal documents are in order. California law requires that a corporation must be operated as a separate entity and is considered to be a “person” under the law. A corporation must maintain minutes of both shareholder and board of director actions. The failure to do this can lead to an “alter-ego” claim, which could

make the shareholders personally liable for the debts of the corporation. Other areas of concern which need to be reviewed relate to the payment of sufficient salary, the withdrawal of funds not properly authorized by a corporate resolution, payment of personal expenses from the company and execution of documents without use of an appropriate corporate title. These are just a few problems that should be reviewed as the new year starts, to avoid any potential problems in the future. A business operator should have an attorney review all operating con-

tracts and, if necessary, to make sure an employee handbook exists to avoid potential liability in the future. Except for emergency legislation, most changes to the laws in California will take place as of January 1st and an attorney should be consulted to determine if any new laws affect your business operations. As you enter the new year, you should also make sure that you have planned for the unexpected. By this I mean that each and every reader should have a will or trust to protect their family in the event of death. If you have a child under the age of 18, I believe that you have an obligation to your child to make sure a will has been properly prepared, which specifies who will be the guardian in the event of the death of both parents. In addition, you should make sure your insurance coverage is sufficient to protect your business and assets (liability insurance) and make sure you have the correct coverage. Finally, with the beginning of a new

County Receives Two Top Statewide Awards for Innovation Riverside County has won six awards for innovation from the California State Association of Counties, including two top awards out of 10 given statewide. The county received its two Challenge Awards at the Board of Supervisors meeting on Tuesday. The award recognized two county programs, one that streamlines medical care for foster youth and another code-enforcement effort that helps residents to eliminate blight. The county also received four Merit Awards. “These awards recognize the innovative work county employees do to ensure we meet Riverside County residents’ needs,” said Supervisor John Tavaglione. Out of 255 entries from 38 counties statewide, Riverside County won two of the 10 Challenge Awards. The Open Access Health Care for Foster Children program maintains continuity in health care for foster children. The county’s

Department of Public Social Services partnered with the Inland Empire Health Plan to develop a network of healthcare providers that allows foster children to visit different providers, without losing medical records or access to care. The program helps meet health-care needs for about 2,500 children. Code enforcement’s Community Impact Plans combines elements of community policing and neighborhood improvement projects to address residents concerns about quality-of-life issues. The project engages residents to identify neighborhood problems and develop strategies to address blight. As a result, communities develop a sense of pride in cleaning up their neighborhoods and become engaged with code enforcement efforts. “The Community Impact Plans call for us to educate the public and help instill a sense of pride to encourage them to keep their neighborhoods clean,” said Code Enforcement Director John Boyd.

year, you should make plans for tax savings now, not later in the year. By putting into place a plan for tax reduction now, you will avoid losing some of the benefits that are afforded by a full year’s worth of planning. Remember to set up an appointment with an attorney to meet and discuss the areas set forth above. As I have stated before, make sure the attorney is qualified to provide competent assistance in these areas and that your first half hour meeting to get to know the attorney is provided at no cost. Robert B. Rosenstein is the Co-President of Rosenstein & Hitzeman, AAPLC. The firm provides advice to its clients regarding all areas of business operations, formations, employee-related matters, estate and tax planning, business bankruptcy, and business litigation. Mr. Rosenstein can be reached at his Temecula office at (951) 296-3888.

“The community involvement allows our department to be more efficient and effective.” The four Merit Awards are: Creating Healthy Pet Zones—an education strategy to reduce the overpopulation of unwanted pets. The strategy addresses cultural and financial barriers that lead to unwanted and costly pets. A bilingual community services assistant was funded to conduct the community outreach campaign. Mobile Activities Recreation Services—A community center on wheels, it brings recreational and outreach services to places that don’t yet have a community gathering place. Known as MARS in the community, it can recreate a community center in an hour complete with sports equipment and arts and craft activities. Riverside County Regional Medical Center’s Clockwork Room—The initiative is aimed at reducing delays in cases early in the day, which can create a domino effect for the rest of the day. By identifying surgeon tardiness as the most common cause for delays, a subcommittee works with physicians to avoid delays. Riverside Fit Families: Making Families Healthier—In an effort to combat excessive spending on medical costs associated with obesity and physical inactivity, the Riverside County Public Health Department created Fit Families. The program is a multi-disciplinary effort to promote healthy living in families. The results have already been impressive: participating families report happier, healthier kids, weight loss and an increase in family time spent in physical activities, such as family walks. The county also was recognized with 23 honorable mentions for various programs that assist residents in the community.


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Resolving Disputes Without Going to Court by Donald W. Hitzeman, Esq. Although it is quite likely that any business venture will either be sued or find the need to sue another in order to resolve a dispute or liability, a costly court trial, with its attendant expensive and time-consuming discovery, is not the only way to resolve such disputes. This is particularly so in business litigation, where the parties have previously entered into an agreement or contract and have had an opportunity to provide for some form of “out of court” mechanism for dispute resolution. Most often, this is in the form of a binding arbitration agreement or early, pre-dispute mediation agreement. These “out of court” resolution vehicles are generally referred to as Alternative Dispute Resolution, or ADR. ADR can take many forms, and more than one form of ADR may be employed by the parties to assist them in avoiding more costly and lengthy litigation of their dispute through the court system. ADR can include binding or nonbinding arbitration, mediation, voluntary settlement conferences, or neutral evaluation of cases. Each form of ADR has certain advantages and disadvantages and may not be suitable for resolving all cases that your business may encounter. Careful consideration of the potential advantages and disadvantages of ADR will need to be considered in light of the likelihood of business disputes associated with your business. Many businesses make it a routine practice to include in all of their consumer and vendor contracts a binding arbitration agreement in the event of a dispute arising from an alleged breach of that contract. It is important to understand that not all binding arbitration agreements are enforceable in California. This is particularly in the case of consumer contracts, as well as employment agreements, which may be governed by statutory or case law that in many instances protect against unconscionable arbitration provisions in what may be viewed as “contracts of adhesion.” Nonetheless, if it is possible to plan for binding arbitration or predispute mediation in the event of a contractual dispute, then your business may achieve substantial cost-savings both in litigation expenses and decreased time from dispute to resolution. Several private arbitration and mediation services exist and are in the business of providing Alternative Dispute Resolution options to parties on a private pay basis. These include Judicial Arbitration and Mediation Services (JAMS), American Arbitration Association (AAA), and others. Many of the ADR officers available through such services are retired judges and commissioners of the superior courts.

Others are experienced and trained attorneys. In some cases, the matter will require a neutral with a particular area of expertise, such as construction defect, accident reconstruction, employment law, or patents and trademarks. The choices through ADR allow the parties to enlist a neutral with such expertise, as opposed to being assigned to a judge within the court system that may not have such expertise. Of course, each of these options comes with a price tag for the litigants involved. There are, however, some potential down sides to building into your contracts an agreement to a particular form of ADR or a specific ADR provider. This is particularly true of binding arbitration, which may leave the parties without a means of appealing an arbitrator’s award with which one, or in some rare cases both, parties disagree. This is true even where the findings and award are not supported by the facts (the evidence) or the law. So also, in the case of nonbinding arbitration, if a party requests a trial after an arbitrator’s award is issued and that party does not receive a more favorable result at trial than in arbitration, there may be penalties, including responsibility for the other party’s attorney fees and costs. Even mediation may turn out to be a waste of both money and time if the parties are too emotionally invested in the case or are unwilling to negotiate toward a settlement in good faith. Generally speaking, however, the advantages of pursuing Alternative Dispute Resolution, whether by virtue of a contractual obligation or because it is dictated by the nature of the case your business is facing, most often outweigh the costly disadvantages of full-blown litigation through the courts. In either event, such decisions about contractual ADR terms or case by case use of ADR is best made with the advice of competent legal counsel. The Law Offices of Rosenstein & Hitzeman, An Association of Professional law Corporations, stands ready to advise and assist you in navigating through the sometimes tricky waters of ADR issues in litigation. We offer our new clients an initial 30 minute consultation at no charge. Please call for an appointment at (951) 296-3888. Donald W. Hitzeman is a Business and Employment Law Attorney and Litigator, with over 20 years of legal experience, including advising business owners and operators on employment law issues. Mr. Hitzeman is a Member and Co-President of Rosenstein & Hitzeman, An Association of Professional law Corporations.

LEGALLY SPEAKING 23 City of Murrieta Hires New Business Development Manager As part of their Economic Development Program, The City of Murrieta has hired Kimberly Davidson as their Business Development Manager, a new position created under Economic Development Director Bruce Coleman. The program, as well as the new position, is just one of the many steps the City is taking to help attract new business to Murrieta and to assist in retaining the businesses already here. Ms. Davidson has owned a private marketing firm in Murrieta for more than two years and is familiar with the area’s business owners and their daily challenges. “We really look forward to the energy and knowledge that Kim brings to the table,” Coleman said. “She has been out in the business trenches working with the business owners, so we feel confident she will do a great job for us.” The salary for Davidson’s position will be funded by the department having shaved down their expenses this fiscal year to accommodate for the new hire, according to city staff reports. Davidson was awarded the national “Home-Based Business Champion of the Year” award in early 2008 by the U.S. Small Business Administration for her work with small and home-based businesses in the Murrieta/Temecula area. She also received the Chairman’s Choice Award from the Murrieta Cham-

ber of Commerce in June 2008 for her extensive work on the Chamber’s newsletter. Davidson is currently the head of the marketing committees for both the Murrieta Chamber and the Economic Development Corporation and is the Manager of Operations for the Professional Women’s Roundtable. “I am honored to have this opportunity to work with the City,” Davidson said. “I will be able to help the businesses in Murrieta on a much larger scale than I could before. I really look forward to helping Murrieta grow and prosper.” In November, the City hosted an SOS (Secret of Success) Forum in their Council Chambers at City Hall. The forum was designed to give area business owners answers on how to deal with the current recession. A panel of six experts, all in different areas of expertise, spoke about various ways to stay afloat in the current economy. Davidson was the speaker for the marketing portion. “We received many great comments about the SOS Forum and hope to plan others like it in the near future,” Coleman said. “If we can save just one business from going under, then the effort of the forum is well worth it.” For more information about Murrieta’s Economic Development Program, please contact Bruce Coleman at (951) 304-2489.

Temecula Valley Chamber of Commerce Announces 2009 Board of Directors The Temecula Valley Chamber of Commerce is pleased to announce the 2009 Executive Officers and Board of Directors. Ballots were sent to the Chamber membership in November, resulting in the election of five incumbents and two new directors to serve a three-year term. At the board meeting on December 18, 2008, board members elected the following to serve as the 2009 Executive Officers for the Temecula Valley Chamber of Commerce: Chairman of the Board—Stan Harter, Reid & Hellyer, A Professional Corporation 1st Vice Chairman of the Board— Kelly Daniels Neu, Premier Marketing/Valley Events 2nd Vice Chairman of the Board— Isaac Lizarraga, Rancho Ford Lincoln Mercury Treasurer—Nancy Austin, AustinBrockett, LLC

Secretary—Janet Scott Beck, Beazer Homes The 2009 Board of Directors is as follows: Tomi Arbogast, Temecula Winegrowers Association; Tony Berardino, Cornerstone E & S Insurance Services; Dan Brunell, Dearborn West, LLC; Richard Ellis, Southwest Healthcare System; Dennis Frank, D.R. Frank & Associates; Ron Guerriero, EDGE Development, Inc.; Jeff Kurtz, The Promenade In Temecula; Jerry Konchar, Pechanga Development Corporation; Shane Lesovsky, Temecula Valley Communications; Tom Paradis, The Press-Enterprise; Karen Roberts, Kaiser Permanente; Bill Seltzer, Temecula Valley Golf School; Jackie Steed, Clear Blue Promotions; Donna Wilder, Mt. San Jacinto Community College; Roger Ziemer, Southern California Gas Company.


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LEGALLY SPEAKING I’m Going to Sue You!

January 2009

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by Daniel Kodam Individuals hear these words all the time. The fear this brings to most individuals is unimaginable. Many people think that if someone utters these words then they will have their wages garnished tomorrow. Nothing could be further from the truth. Over the next few months, these articles will go over various aspects of the legal process to shed a little bit of light. First, the court system is split in two. We have a Federal and State court system. The Federal system is set up by Congress and is designed to handle cases that involve Federal law, multiple parties that reside in different states, or a problem that involves multiple states. These cases have specific rules set by the courts and Congress on how the process will proceed and cases can last several months or, in complicated cases, several years. The State court system can usually handle many of the same Federal matters, but it also entails any state court violations. The system has three distinct divisions. They are the following: Superior Court, Limited Civil, and Small Claims. These systems are separated by the amount of the claim. The cutoff for small claims is $7,500 or lower. The cutoff for limited civil is $25,000 or

lower, and everything that is larger goes to Superior Court. Each of the above divisions does have its advantages and disadvantages. In small claims court, the court process takes only a few weeks. However, the amount of the recovery is capped at $7,500 and you do not have a right to attorney representation in the initial trial. Limited Civil and Superior Court are quite similar. Both types allow attorney representation and take several months to complete the process. In fact, in complicated cases it may even last several years. Limited Civil does have a cap of $25,000 for recovery and the legislature has placed some limitations on discovery. Discovery is the term for exchanging evidence among parties and it shall be discussed in greater detail next month. Thus, no matter which arena you find yourself in, you will not have a garnishment after only 24 hours in court. Daniel Kodam is with Kodam & Associates in Murrieta. For questions or further information, call (951) 445-4905.

Going Back to Basics

Texting While Driving: California Says No! by James D. Boley, Esq. Thinking about sending a quick text message while sitting in traffic, or worse yet, while driving in January 2009? Think again! Effective January 1, 2009, California will join a number of states making texting messages while driving a vehicle against the law, and for good reason. Recent statistics warn that a driver doubles his risk for an accident when taking his eyes off the road for more than two seconds. In addition, 80 percent of all accidents involve some form of inattention. With the capabilities of Blackberrys and iPhones, drivers checking email, sending memos, and calendaring appointments create increasing hazards on the roadway. Senate Bill 1613 went into effect July 1, 2008, and prohibited the use of a wireless telephone while driving unless a hands-free device is used as a talking and listening device. Now, Senate Bill 28 (SB28) goes into effect January 1, 2009. It “prohibits a person from driving a motor vehicle while using an electronic wireless communications device to write, send, or read a text-based communication. The new law imposes a fine of $20 for the first offense and $50 for subsequent offenses. Unfortunately, no violation points will be given as a result of the offense. Drivers should also be forewarned that juries are imposing additional

sanctions for texting that results in motor vehicle accidents. An Ohio jury recently returned a $4.1 million verdict in favor of a woman struck by a distracted driver using a Blackberry device. A Florida jury also returned a multi-million dollar verdict against a driver sending a text message while on the roadway. Even in cases where the use of the electronic device had no real relationship to the underlying accident, you can be certain that plaintiff attorneys will argue a presumption of fault, and that juries will be disposed toward believing that the driver was distracted and could have avoided the accident but for the cell phone or electronic wireless device. The best advice for California drivers is to adopt a work and personal lifestyle that eliminates electronic wireless device usage while driving a motor vehicle. The consequences can go far beyond a twenty dollar ticket, and change a life forever. James D. Boley is a shareholder and trial lawyer at Neil Dymott. He specializes in civil litigation with emphasis in professional liability, personal injury, and transportation litigation. He may be reached at (951) 303-3930 or jboley@ neildymott.com.

by Officer Lynn N. Fanene, Sr. With the nation officially in a recession and with the country awaiting the outcome of the economy slide, business owners and management must continue to be vigilant in crime prevention and maintain a high degree of security. Management should review the following: o Review current store policies and see if updates or changes are required. o Prior to opening, ensure all cash registers are ready for business and cashiers assigned to their check-out stand. o Ensure all employees know what to do in case of a burglary or other major emergencies. o Review shoplifting procedures and have proper telephone numbers available. o Hold weekly, monthly, or quarterly training for all employees. o Invite a guest speaker to talk to employees about personal safety, shoplifters, and what to look out for. o During the course of the day, check with other employees and ensure integrity of the business is maintained. o Don’t hesitate to ask for assistance when overwhelmed with custom-

ers. o A t c l o s i n g , ensure the complete walk-through is done of the store to ensure no one is left inside. o Empty all cash registers and leave the drawer in the open position. o Ensure no displays are obstructing the front windows of the business. o Leave a few lights on in the interior of the store. o Always use the buddy system when closing and departing the store. o Use “armored services” when transferring large amounts of money from the store to the bank. If this is not feasible, do bank runs during the day and ensure you are not followed. Don’t carry money bags in plain sight. Contact your local law enforcement crime prevention unit for assistance, to schedule a security site survey or additional employee training. Officer Lynn Fanene Sr. is the senior crime prevention and plans officer for the Temecula Police Department. He can be reached at the Old Town Storefront office located at 28410 Old Town Front Street, Suite 105, Temecula. Telephone (951) 695-2773.

Site Highlights County’s Need, Plans for Detention Center A new web site that illustrates and explains Riverside County’s crucial need for new jail beds debuted recently at http://saferstreets. countyofriverside.us/. The web site focuses on the proposed Riverside County Regional Detention Center, a facility the county plans to build in the next few years east of the Desert Pass area. A federal injunction requires the Riverside County Sheriff’s Department to release inmates when jails are at capacity. In 2007, more than 6,000 inmates were released early, some serving just a few days of a year-long sentence. Without a new detention center, early releases will continue to place residents at greater risk for crime. “We have to keep criminals off our streets,” Supervisor Marion Ashley said. “We’ve added deputies and developed innovative new enforcement programs, but we need more jail beds to match the need our growing population creates.”

Sheriff Stan Sniff reiterated the need and said that releasing criminals before they serve their full sentences sends the wrong message to criminals and the community. “People have to understand that if they break the law, there are consequences. But we can’t hammer home that message if people serve only a fraction of their sentences,” Sniff said. “We need a new jail right away, to take criminals off our streets and help make our neighborhoods safer.” The county considered 30 possible sites for the new detention center and will conduct an environmental review process before a site is actually selected and construction begins. As part of that review process, a notice of preparation for the project’s environmental impact report also was released yesterday. For more information, contact Ray Smith at (951) 955-1130 or Chief Deputy Steve Thetford at (951) 9552400.


January 2009

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COMMUNITY NEWS You Make a Difference… Support Your Community and Shop Temecula First!

January 2009

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For many years Temecula residents have enjoyed a comfortable hometown environment, superior schools, safe and attractive neighborhoods, and abundant recreational and cultural opportunities. Temecula has been recognized for its many achievements and has earned major awards and honors for its outstanding programs, projects, and services. Such prestigious awards were presented to the City of Temecula from the League of California Cities, California Parks & Recreation Society, Themed Entertainment Association Thea Awards and Temecula has also been previously named most livable city in Riverside County. With the slowdown in the state, national, and local economy, we need your participation to help keep Temecula the exceptional community that it is. Be aware of the impact of your dollars. In an effort to sustain our vibrant quality of life, the City of Temecula and Temecula Valley Chamber of Commerce encourages residents and businesses to shop locally. By choosing to support local businesses, you can make a difference. Sales tax is the City’s largest revenue source representing 44.7% of the total General Fund revenue. The City

receives 1% of the taxable sales in the City, and .50% is authorized by “Measure A” which is levied within Riverside County for various transportation purposes. This one percent of money that you spend locally benefits you and your family by providing the necessary programs and services needed, whether it is for police, fire, or parks & recreation services that the City of Temecula provides which make our City a safer place to live, work, and play. Shopping local provides local benefits. Local businesses assist the community through a “multiplier effect;” one dollar spent at a local business will return five times that amount within the community through City taxes, employees’ wages, and purchase of materials and supplies at other local businesses. In addition, the local business owners are invested in the future of the community; these businesses will turn that dollar back into the community through school funding, social services, and contributions to local non-profit organizations. Shopping online may cost you more. Shoppers who buy from stores rather than over the Internet are in effect putting money into their own pockets. In a recent newsletter published by

the International Council of Shopping Centers (ICSC), Michael P. Kercheval, ICSC’s President & CEO stated, “Many consumers shop online and avoid paying sales tax, and while this may appear to consumers as a way of saving a few dollars, in the end it may cost them more if local tax revenue is eroded and municipalities are forced to cut back on services.” Abundant shopping, dining, and purchasing alternatives in Temecula. Temecula is a major retail hub in the Inland Empire due to the abundant shopping and dining venues the city offers including the Promenade Mall, Historic Old Town, plus 79 community shopping centers and the Temecula Auto Mall. Stores include everything from department stores, antique and specialty shops, quaint boutiques, office equipment & supplies, and hardware. In addition, there is a 126,000-squarefoot expansion of the Promenade Mall expected to open in Spring 2009, which includes many upscale popular retailers

and restaurants. Over 100,000 Temecula residents have quite a choice of auto dealers right in their own backyard. No longer do they need to drive 50+ miles to larger cities to buy that new car. Over 250 dining establishments offer a wide array of dining experiences ranging from the very simple to the extraordinary. Fiscal year 2008–09 revenue projections for sales tax have declined. This decrease is primarily a result of the decline in general consumer goods, electronics retail, and auto sales. Whether you are a business owner or resident, please shop locally. Each time you choose to spend your dollars locally, you are voting for the continued strength and vitality of our community. Let us continue to maintain our strong sense of community and keep Temecula a special place to live. On behalf of the City of Temecula and Temecula Valley Chamber of Commerce, we thank you.

Gavitt Chooses Career Change After spending the last 24 years working in the title industry, 17 of them with LandAmerica, Jeff Gavitt, a well-known and respected business local, has decided to change career paths. As of Tuesday, December 16, his new position is that of Sales Manager for Black Knight Termite & Pest Control, Inc. here in Temecula. “I would like to ask that you call my partner of the last 3 years, Frank Zint-

zun, for your future title needs. Frank has 21 years of title experience and is a great guy. You can reach him at (951) 318-6204 or fzintzun@landam.com,” said Gavitt. Jeff Gavitt, a longtime Temecula Noon Rotary Member, can now be reached at Black Knight Termite & Pest Control, Inc., 39433 Colleen Way, Temecula; (951) 205-0595 Cell; (951) 694-8100 Office; (951) 676-1423 Fax; titleman1@hotmail.com.

Grow Your Business Through Referral Marketing If you’re looking to expand your business through quality referrals, the newly forming TEAM Referral Network, Temecula Chapter, invites you to join them for a networking luncheon. The initial “formation” meeting will be held on Wednesday, January 7, 2009, from 11:30 - 1:00pm at Marie Callenders, 29363 Rancho California Road, Temecula. Subsequent meetings will be held every Wednesday at this time. TEAM turns success-oriented business people into a strong team of networking professionals who work together to grow one another’s business through referrals. In today’s economy, it is critical that business people actively market their goods and services in a variety of ways. Word-of-mouth referral is one of the strongest methods of creating and keeping new business. For more information or to RSVP, call Karen Grove at (951) 3022763.

Don’t Hire a Sales Team...Join One!


January 2009

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PWR Seeks Nominations for Joan Sparkman Unity Award 2009 The Professional Women’s Roundtable (PWR) is seeking nominations for the Joan Sparkman Annual Unity Award 2009. The prestigious award is bestowed to a deserving individual whose exemplary actions demonstrate professionalism and unselfish service to improve communities and lives. The Joan Sparkman Annual Unity Award was first introduced in 2002 to honor Joan Sparkman for her numerous and outstanding contributions to Riverside County. The award will be presented at PWR’s Third Annual “Power of Unity” Awards Event. The event will be held March 6, 2009, at Pechanga Resort & Casino and will feature Keynote Speaker Lisa Ling, special correspondent for the Oprah Winfrey Show and contributor to National Geographic Channel and the Oxygen Network.

The “Power of Unity” conference is PWR’s signature fundraiser that recognizes the meaningful contributions made by professionals and individuals within Southern California. Proceeds will help the organization provide financial assistance and mentoring opportunities to young women graduating high school, and to raise awareness of women in business. Nominations for candidates for the award will be accepted through January 31, 2009, and should be submitted to www.professionalwomen’srountable. com or call LouEllen Ficke at Commerce Bank of Temecula Valley, (951) 973-7400 for more information. Booth and sponsorship opportunities are still available. For information please contact Alicia Newman at (951) 491-9721.

MVHS Robotics Club Receives Grant

The Murrieta Valley High School Robotics Club received a $2000 grant from the Roripaugh Family Foundation. The grant was facilitated through the Southwest Community Development Organization (SCDO) and presented on December 3, 2008 to Kevin Bradley, Night Hawk Robotics Club Advisor, and team members by Keith Johnson, Roripauph Family Foundation representative and SCDO Vice-Chair and Dennis Frank, SCDO Chairman. The money donated will be used to pay for tournament entry fees, robot parts, team shirts and banners, and travel costs to the tournaments. The Night Hawk Robotics Club (NHRC) contacted the Southwest Community Development Organization regarding funding of this year’s competitions. Last year’s teams from Murrieta Valley competed against 91

teams from nine countries representing the best in the world and placed 20th and 25th in the world and finished 11th and 13th in the United States. On November 8, 2008, they competed against 37 other schools from throughout California in their first tournament of the year. Two of the three NHRC teams made it to the semifinals and missed making the finals by one point. The request from NHRC fit the SCDO mission of advancing the education, training, and employment opportunities in Southwest California, thereby enhancing the future of the region. The county estimates future regional workforce needs in engineering to increase up to 40% in the next ten years. The Robotics Club is teaching the required skills and applying those skills in real-life situations. These types of organizations are the feeding ground for future engineers.

COMMUNITY NEWS 27 Local Water-wise Landscapes on Display

Third Place contest winner Kathy Platt in her water-wise yard. Living in Southern California save water and look beautiful at the doesn’t mean having to use a lot of same time.” water to see green in our yards. With Now locals can drive by and see our region and the entire state facing how all four of the water-wise landdrought conditions, using water-wise scapes selected are far from boring. plants for landscapes makes more sense Each yard is identified with a sign in than ever. In fact, there are a number of front. Winning yards that you can go California-friendly see include: plants consumers • Grand Prize, can choose to spruce Allgor Residence, Western Municipal Water up their yards and Riverside District provides water conserve precious • First Place, supply, wastewater water resources at Canfield Resithe same time. dence, Riverside disposal, and water To i l l u s t r a t e • Second Place, resource management to this, Western MuSimonsen Resithe public in a safe, nicipal Water Disdence, Riverside reliable, environmentally trict recently chal• Third Place, lenged district resiPlatt Residence, sensitive and financially dents throughout Riverside responsible manner. Riverside County M o r e i n f o rto enter in their first mation about each annual Water-wise contest winner and Landscape Contest. The results are in their addresses—along with more waterand four local residents have shown wise tips—can be found online at www. that yards using less water don’t have wmwd.com. Additional ideas, exhibits, to be bland or brown. “One of the bigresources, and information about classes gest challenges we face as a region is can be found at Western’s water conconserving water in the midst of drought servation garden, Landscapes Southern conditions,” said Western General ManCalifornia Style, located adjacent to ager John V. Rossi. “The winning entries Western’s office at 450 E. Alessandro recognized in this contest illustrate that Boulevard in Riverside. adopting water-wise landscapes can


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January 2009

COMMUNITY NEWS Board Members Galleano and Lopez Re-elected to Western Board 28

Regional leadership of water policy in western Riverside County will remain on a steady course of progress, as voters handily re-elected Western Municipal Water District Directors Donald D. Galleano and S.R. Al Lopez. The directors, who were sworn in at a recent board meeting, will serve new terms that run through 2012. Lopez, who joined the board in January 2001, is the current Board President. “During my tenure at Western, I have had the opportunity and good fortune to work with an excellent board and staff to make things happen that help the District not only be a good water and wastewater service provider, but to also become a distinct water stewardship agency.” “When I came to the District, there clearly was only one source of water,” explained Galleano, who was elected in November 2004. “We are highly dependent on imported water purchased from the Metropolitan Water District. My highest priority since joining my fellow board members as a Western director has been, and will remain, the efficient development of additional water resources within this region. Developing additional water resources to reduce dependency on imported water

S.R. Al Lopez (middle) and Donald D. Galleano, (right) are sworn in by Western Municipal Water District Board Secretary-Treasurer Charles D. Field. is the highest goal to which the entire board is committed.” Projects reducing dependence on imported water include the expansion of desalting facilities, including Western’s Arlington Desalter and partnership on the Chino Desalters; the RiversideCorona Feeder, Western’s hallmark conjunctive use project; and the Seven Oaks Accord/Santa Ana River Water

EMWD Water, Sewer Rate Changes Set to Start in January

As part of its review of water and sewer rates, the Eastern Municipal Water District board of directors set January 7, 2009 for a public hearing to consider rate increases. Proposed increases are due to increased costs of imported water purchased from the Metropolitan Water District of Southern California, energy, labor, services, and supplies. The maximum rate increases under consideration would raise water and sewer rates between $5.00–$6.00 a month for a typical customer, or about 10 percent. After hearing and considering all written comments at the public hearing, the board may adopt up to the maximum increases which would be effective January 7. In a separate matter, they will also consider approving a water budgetbased pricing system that rewards wateruse efficiency and provides for revenue stability. Currently, all water used is priced at the same commodity rate. Regardless of the water rate increase, generalized water budgets (also

referred to as tiered rates) could be implemented effective March 1, 2009. The indoor portion of these budgets assumes households with three people, each using 60 gallons per day, or seven billing units per month. This would remain constant throughout the year. An outdoor portion would vary monthly, based on weather. A second phase could revise these generalized water budgets to customized ones in 2010. “No one is immune from these challenging times,” David J. Slawson, board president, said. “From our end, we’ve trimmed more than $150 million in capital expenses over the next five years. We’re also expecting to benefit from about $10 million in state and federal funding for some of our construction projects. But to cut or defer more than what we have so far would not be responsible to our customers who depend on a well-functioning, dependable water and sewer infrastructure. “That means we’re walking a fine line,” he said. “On the one hand, we must be able to operate adequate systems for health and safety now and in the future. At the same time, we are helping our customers save money through

Rights Application to provide reliable long-term water supplies to the region served by Western and San Bernardino Valley Municipal Water District. “Our success in Chino Basin is important to progress in achieving greater regional water supply reliability. Now that we are a partner in bringing a third desalter online, additional resources will be available to Norco, Jurupa,

rebates and conservation programs so they can become as efficient as possible and eliminate water waste.” On the homeowner’s level, the increased cost of imported water will amount to about $3.00 a month. Another $1.25 a month is the approximate increased cost for desalination, water treatment, and replacement water for the reduced use of groundwater due to continuing drought conditions. Sewer rates overall are expected to rise slightly more than $1.40 per month based on the cost of service at four regional reclamation facilities to collect, treat, and use or dispose of about 45 million gallons per day of wastewater. A portion of the rates also supports the costs of replacing and maintaining these facilities and hundreds of miles of pipelines. The intent of water budget-based or tiered rates, if implemented in March 2009 and reflected on bills beginning in April, is to reward water use efficiency. Water allocations will be based on dwelling type, number of residents, landscape square footage, and actual daily weather and evapotranspiration data. Customers who remain within the bottom two tiers would stay within their allocation. As projected, indoor water budgets will apply to the first seven billing units

Rubidoux, Riverside, and Western,” Galleano explained. Both Galleano and Lopez agreed that they’re proud of the staff that has been developed over the last several years. “John Rossi, our GM, was a new hire in ’04; he’s had the opportunity to build a talented new team of professionals, enhancing the already strong staff that is able to take the policies of the Board and move them forward.” “Western is one of the larger districts in the region, one that has much diversity in that we have residential, agricultural, and business customers. We take great pride in providing quality water to our residents and in managing water resources. We provide wholesale water supplies to other agencies and cities in the area, and provide wastewater services. We even administer Watermaster responsibilities and Joint Power Authorities,” Lopez said. “Our agency is proud to be able to serve the community, to help make not only our service area more self-sufficient in water use, but also to assist and guide the implementation of partnerships and projects toward superb water stewardship for the region.” Western Municipal Water District provides water supply, wastewater disposal, and water resource management to the public in a safe, reliable, environmentally sensitive, and financially responsible manner.

per month beginning in March 2009. The number of units for the outdoor tier will vary throughout the year to accommodate landscaping needs. Low to moderate water users may see a decrease in their monthly water bills if they remain in the first two tiers. For those customers who need to adjust the household number or the landscape area or for special circumstances, such as home daycare, variance forms will be made available. All EMWD customers will receive correspondence about both the potential rate hikes and planned change in the commodity charge methodology. EMWD is the freshwater, wastewater service and recycled water provider to a 555-square mile area from Moreno Valley southward along the I-215 corridor to Temecula and eastward to Hemet and San Jacinto. Approximately 675,000 people live and work in this area. In addition to its own water customers, EMWD supplements water to eight local water agencies and municipalities that have their own water departments. EMWD operates four water reclamation facilities and treats some 45 million gallons of wastewater daily. More information can be found at EMWD’s web site www.emwd.org.


January 2009

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Boys & Girls Clubs Are Now Registering Youth for Before and After School Transportation The Boys & Girls Clubs of Southwest County (BGCSWC) is now registering kids for morning and afternoon transportation between area schools and their local Boys & Girls Clubhouses. The program provides bus and van rides from trained and certified Boys & Girls Club drivers from Clubhouses to schools in the morning and back to Clubhouses in the afternoon. While at the Club, youth participate in nationally renowned youth development programs that focus on character and leadership, education and career development, health and life skills, sports and fitness, and the arts. Additionally, kids can get their daily homework completed in the Power Hour program. The cost for the program is $300 per month plus a $20 membership fee. The Clubs offer unlimited scholarships to ensure that all youth have access to

their quality programs. The Boys & Girls Clubs of Southwest County’s transportation program runs at each of their Southwest Riverside County Clubhouses, which are located in Temecula, Murrieta, and Lake Elsinore. For a list of schools that are serviced, parents should contact their local Clubhouse or call (951) 699-1526. The Boys & Girls Clubs of Southwest County is a non-profit youth development agency dedicated to “Inspiring youth to be all they can be!” Its mission is to inspire and enable all youth, regardless of economic or social status, to realize their full potential as productive, responsible, and caring citizens by providing stimulating and challenging programs through interaction with qualified caring adults. BGCSWC serves youth in Temecula, Murrieta, and Lake Elsinore.

No-text Law Goes Into Effect January 1, 2009 In order to prevent text-messaging while driving and the collisions that could occur as a result, a new law goes into effect on January 1, 2009. SB28 prohibits a person using an electronic wireless communications device to write, send, or read text-based messages while operating a motor vehicle. This law specifically addresses but is not limited to instant messages and all forms of e-mail based correspondence. Similar to its no-cell phone counterpart, drivers are subject to $20 fee for the first offense, and $50 for each subsequent offense. However, unlike SB33, which focuses on teens, and SB1613, which allows cell phone usage accompanied by a headset for adults, SB28 affects all drivers. No points will be shown on DMV records for this violation, but penalty assessments will be added, which could more than triple the base fine amount. This law does not apply to any passengers in motor vehicles and exemptions apply in emergency situations and for emergency service professionals while operating an authorized emergency vehicle. To many of us, the text-messaging function on our cell phones has become even more convenient than making or receiving an actual phone call. In situations where silence is required, such as a meeting, the office, a conference, or the library, you can set your phone

to silent mode and continue to be connected to the outside world. Conversely, in situations were there’s too much noise such as concerts, parties, or movies, the short, quick messages save time, don’t require a verbal conversation, and can effectively be used to entertain or simply tell a friend your whereabouts. However, text-messaging can go from being a convenient and useful tool to a dangerous distraction in seconds once you get behind the wheel of a motor vehicle. According to the Transport Research Laboratory, the reaction time of people driving while text-messaging is 35 percent slower, while reaction times were only 12 percent slower for drunk drivers and 21 percent slower for those who smoke marijuana. Looking away for one second is enough time for a cyclist or child to end up in front of your vehicle, or for another driver to quickly veer into your lane. To get all the “buzz” on the new cellular phone and text laws, check out the California Department of Motor Vehicles’ Web site www.dmv.ca.gov/ cellularphonelaws/index.htm. Reprinted courtesy of the Temecula Valley Chamber of Commerce.

COMMUNITY NEWS 29 Speakers Announced for the Inaugural State of the Santa Ana River Watershed Conference As Southern California wrestles Santa Ana Watershed Project Auwith population growth, ground water thority; management, environmental concerns, • Joe Grindstaff–Deputy Secretary and sustaining economic development, for Water Policy & Director of the securing a safe and reliable source of CALFED Bay-Delta Program; water will take a new water ethic for • Bill McLaughlin – National Vice the 21st century—one of unprecedented President, Republican’s for Environmental Protection cooperation. Developing cooperation • Jeffrey Kightlinger – General Manamong stakeholders will be the focus ager, Metropolitan Water District of of many of the state’s top economic, Southern California political, and water leaders at the • Carole Besinaugural State of wick–Chair, Santa the Santa Ana River Ana Regional WaWatershed “OverNearly 1,100 ter Quality Control coming Boundarstakeholders are Board; ies” Conference on expected to attend this • R o n G a s t e Thursday, January critical conference from lum–Vice Chair 29, 2009. Public Policy, Los Nearly 1,100 10 a.m. to 3 p.m. at the Angeles Chamber stakeholders are exOntario Convention Cenof Commerce and pected to attend this ter, 2000 E. Convention former General critical conference Manager, Metrofrom 10 a.m. to 3 Center Way, Ontario. politan Water Disp.m. at the Ontario trict of Southern Convention Center, California; 2000 E. Convention • Jeff Mosher–Executive Director, Center Way, Ontario. National Water Research Institute; This innovative event focuses on the • Garry Brown–Executive Director, Santa Ana River Watershed, a regional Orange County Coastkeeper; home to one in six Californians and • Mark Wildermuth–Chairman, Wilspans four counties and 2,800 square dermuth Environmental; miles. It is one of the fastest growing • Bill Carney–President and Chief regions in California with a population Executive Officer, Inland Empire expected to reach 10 million by 2050. Economic Partnership; The watershed also is home to the 110• Ruth Villalobos–Vice President, mile Santa Ana River Trail, which runs Environmental and Regulatory from the San Bernardino Mountains to Services, RBF Consulting; the Pacific Ocean. • Eddie Rigdon–Executive ConsulOrange County Third District Sutant, AECOM; pervisor Bill Campbell will emcee the • Dr. Graham Juby–Partner, Carollo conference. The program is comprised Engineering; of a diverse group of experts discussing • Ron Craig–Senior Vice President, the issues facing residents, industries, RBF Consulting; and the environment in the watershed. • John Moynier–Vice President, The conference is presented by the California Water Environmental engineering firm RBF Consulting and Business Line Leader, David Evans produced by the Santa Ana Watershed and Associates; Project Authority and TMG Communi• Michele Staples–Attorney, Jackson cations Inc. Demarco Tidus Peckenpaugh; Despite recent storms, our region • Sherri Miller–Senior Project Manremains in a drought with supplies from ager, Dudek Environmental and the Colorado River and Sacramento Engineering; Delta severely restrained. With the re• Keith Solar–Water Attorney, Bucent drought declaration, it is a crucial chanan Ingersoll and Rooney; time for stakeholders throughout the • Kevin Thomas–Vice President, watershed to join together to develop Environmental Services, RBF Cona “New Water Ethic for the 21st Censulting. tury.” The Inaugural State of the Santa Ana Speakers include: River Watershed is produced and coor• Allan Zaremberg–President and dinated by TMG Communications Inc., Chief Executive Officer, California a Riverside-based strategic communicaChamber of Commerce; tions firm serving all of Inland Southern • Bill Campbell–Orange County SuCalifornia’s public affairs and public pervisor, Third District; relations needs. For more information • Marion Ashley–Riverside County please contact the Conference hotline Supervisor, Fifth District; at (888) 440-1441 or visit www.Santa• Josie Gonzales–San Bernardino AnaWatershed.com. County Supervisor, Fifth District; • Celeste Cantú–General Manager,


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THE VALLEY BUSINESS JOURNAL Lake Elsinore

Temecula

Lake Elsinore Chamber of Commerce 132 West Graham Avenue Lake Elsinore, CA 92530 951-245-8848 www.lakeelsinorechamber.com

Assistance League of Temecula Valley® Leticia Plummer, President 28720 Via Montezuma Temecula, CA 92590 altemecula@yahoo.com 951-694-8018

Lake Elsinore Rotary Club Rick Riegler, President Ortega High School Conference Room 520 Chaney Street Lake Elsinore, CA 92530 www.LakeElsinoreRotary.org Meetings: Wednesdays 7AM

Menifee BNI Menifee Valley Business Networking Referrals Wednesdays, 7:00 a.m. Judi Burnham, President (951) 672-3567 Sun City-Menifee Valley Rotary Club Joe Daugherty, President Menifee Lakes Country Club 29875 Menifee Lakes Drive Menifee, CA 92584 Meetings: Thursdays 12:10 PM

Murrieta Michelle’s Place Kim Goodnough, Director 41785 Elm St., # 305, Murrieta (951) 304-1280 www.michellesplace.org

Arts Council of the Temecula Valley Ruth Hobbs, Executive Director 28481 Rancho California Road, A#104, Temecula, CA 92593 951-695-2787 B2B Alliances A referral/networking group for self-employed business professionals & business owners www.B2BAlliances.com Business Exchange of Temecula & Murrieta Mickie Evans 27364 Jefferson Avenue, Suite D Temecula, CA 92590 Business Women’s Network of Temecula Valley P.O. Box 890091 Temecula, CA 92593 951-303-8144 Friends of Ronald Reagan SP Perry Peters, President 42968 Agena Street Temecula, CA 92592-3262

2 Minute Networker Rhonda Sher 40575 California Road, D-2 Murrieta, CA 92562 951-894-7765 www.2minutenetworker.com

Habitat for Humanity Tammy Marine 27475 Ynez Road, #390 Temecula, CA 92591 951-296-3362 www.habitat4inlandvalley.org

BNI - Murrieta Referral Network Dawn Powell, President Meetings: Wednesday, 12:00pm Call for location and cost (951) 712-3501

Kiwanis Club of RanchoTemecula-Murrieta Carolyn Qualm P.O. Box 447 Temecula, CA 92593 951-695-0325

Murrieta Breakfast Lions Club Brian Walker P,O. Box 1093 Murrieta, CA 92564 951-677-8548 Murrieta Chamber of Commerce Rex Oliver, President 41870 Kalmia Street, #135, Murrieta, CA 92562 951-677-7916 www.murrietachamber.org Murrieta Republican Women Federated 40960 California Oaks Rd. #221 Murrieta, CA 92562 951-696-0378 Murrieta Rotary Club Larry Potter, President Sizzler Restaurant 40489 Murrieta Hot Springs Rd. Murrieta, CA 92563 Meetings: Mondays 12:10 P.M. United Way of the Inland Valleys Bruce Cripe 41785 Elm Street, #306 Murrieta, CA 92562 951-461-1221 www.uwiv.org

LeTip of Murrieta Fred Karma 41769 Enterprise Circle North, #203 Temecula, CA 92590 951-694-1640 www.taxmanfred.com Professional Women’s Roundtable Alicia Newman/Kimberly Davidson 35400 Calle Campo Temecula, CA 92592 951-491-9721 www.professionalwomensroundtable.org

Southwest Family YMCA Jim Morgan 26111 Ynez Road, B26 Temecula, CA 92591 951-677-9622 www.riversideymca.org Temecula Noon Rotary Club Rusty Manning, President Sizzler Restaurant 27717 Jefferson Avenue Temecula, CA 92590 www.TemeculaRotary.com Meetings: Wednesdays 12:00 PM Temecula Sunrise Rotary Mona Davies, President Marie Callendar’s, 29363 Rancho Cal. Rd. in Temecula www.TemeculaSunriseRotary.com Meetings: Tuesdays 6:45AM Temecula Toastmasters Club 1677 Lynda Giusti-Parra, President Randy Powell, VP Membership Murrieta Valley Unified School Dist. 41870 McAlby Ct., Murrieta, CA 92562 951-757-2329/909-720-0207 www.temeculatoastmasters.org Temecula Valley Chamber of Commerce Alice Sullivan, President 26790 Ynez Court Temecula, CA 92591 951-676-5090 info@temecula.org Temecula Valley Decorative Artisans www.decorativeartisans.org Meat every third Thursday of each month at 6:45 pm. Temecula Valley Historical Society P.O. Box 157 Temecula, CA 92593 951-302-0180 www.tvhs.homestead.com Temecula Valley Woman’s Club Nanette Jimenez, President P.O. Box 1056 Temecula, CA 92593 951-302-1370 www.tvwc.com Thessalonika Family Services/ Rancho Damacitas Clifford Nunn P.O. Box 890326 Temecula, CA 92589 951-302-2317

RIVERSIDE

SAFE Alternatives for Everyone Melissa Donaldson 30520 Rancho California Rd, #107 Temecula, CA 92591 951-587-3900

Western Riverside Council of Governments Barbara Spoonhour 4080 Lemon Street, 3rd Floor Riverside, CA 92501 951-955-7985 www.wrcog.cog.ca.us

Soroptimist International Tri-Valley Robin Coats P.O. Box 704 Temecula, CA 92593 951-677-4880

If you would like to submit your organization for publication, or are aware of any changes or corrections to this list, please fax to: (951) 461-0073.

Southwest California Rotary Club Al Rubio, President Mazzaro Italian Dining 27499 Ynez Rd. Temecula, CA 92591 Meetings: Tuesdays 5:45 PM

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DINING / ARTS & ENTERTAINMENT Temecula Live!—A Benefit for Arts & Autism Scheduled for January 23 & 24 Oak Grove Center and Temecula Live! Country Music Review are back for another roof-raising live stage show to raise funds for at-risk and special needs youth and children with autism. The event begins on Friday, January 23 at 7pm and continues through Saturday, January 24 with shows at 2pm and 7pm at the Old Town Temecula Community Theater. The headliner for the event is the Ranch Rockers, Southern California’s premier country band. Other artists include KSON/Viejas “Big Country Showdown” winner Danielle Tucker, Richard West, Emilee Oddo, Stephanie Basurto, Lindsey Carrier, Scott Hill, The Brewer Boys, Skyler Day, Justin Heisey with Mike O’Dalas, Grace Richardson, Richard Back, Julie Ryan, Heather Saldana, Rachel Spence, Whiteney Leehey, Jessyka Gerritsen and Ashely Harris, Katelynn Bridges, Eric Warner, Art Burgos, Rick Thomas, Kaitlyn Weathers, Carly Merlo, Kendall Surance & Molly Warner Megan Borrell, Anastasia Geges, McKenna Doyle, The Mill Creek Boys, Dr. Will Rogers, Hayley Stayner, Caprice Dehlinger, Cassandra Hernandez, Noemi Villareal, Kiana Thompson, Rachael Stark, Brianna Thomas, Rick Simpson, Lauren Scandlyn, Connie and Rick Allec, Bob

Karwin, Theresa Yoder, Eric Warner, Holly Davis, and Will Wilson. Oak Grove students will perform with the Ranch Rockers on the Saturday show at 2pm. Tickets cost $22 and are available online at www.temeculalive.org or through the Old Town Temecula Community Theater at www.temeculatheater. org. Early sponsors include Presenting Sponsor Pechanga Band of Mission Indians; Gold Sponsor Agee Construction; Silver Sponsor Pechanga Resort; and Spurs Sponsor Friess Construction. Sponsorships are also still available. For more information regarding Temecula Live! Country Music Review or Oak Grove Center, please contact Tammy Wilson, CEO of Oak Grove Center at (951) 677-5599 or visit www. temeculalive.org or www.oakgrovecenter.org. Founded in 1989, Oak Grove is a nonprofit 501(c)(3) organization. The center serves 76 children providing 24-hour educational and residential treatment, plus an additional 74 day students in Murrieta with a second campus in Perris. For more information please contact: www.oakgrovecenter.org or info@oak-grove.org.

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DINING / ARTS & ENTERTAINMENT Lessons Learned Learn the Art by Ed Creamer of Etiquette at Seems my wife and her HMO deductible surgeon got together one day the Murrieta and decided the wife needed a new right knee. They discussed it for a few minand decided to order one from one Public Library utes those stores where you get new knees. Instructor Angela Sturdivant demonstrates the essential rules of social and dining etiquette on Saturday, January 24, at 2 p.m. in the Murrieta Public Library’s Community Room. Topics including how to set a table, utensil management, and the art of conversation are explored in this personal development workshop open to adults and teens, age 14 and older. Good manners never go out of style! Refreshments will be served. This event is free and open to public. The Murrieta Public Library is located at Eight Town Square (Adams Avenue and Kalmia Street). For more information about the program call (951) 304-BOOK (2665) or visit the Library’s web site at www.murrieta.org/services/ library.

Now, for those of you men that aren’t the ones having the operation, there are a few things you need to know. And it’s much better if you learn them before the little lady comes through the front door. Here are a few. 1. When using the toaster, don’t turn the dial all the way clockwise. It won’t make it toast any faster. 2. Make sure you take the plastic wrapper off of the heat-and-serve meals BEFORE you put them in the oven. Taking them out of the box first helps, also. 3. Plastic knives and forks should not repeatedly be placed in the dishwasher without having a fall-back plan for the melted plastic. 4. Don’t use Clorox to get wine stains from the carpets from that little party you had. TIDE won’t work either. 5. It’s best to remove the Playboy channel from your “Most Favorite” TV channels listing. 6. Strategically placed imitation flowers in the living room will not remove the smell of perfume. Even

if she was there working late on a report corporate needed in a hurry. 7. It’s doubtful the little lady would appreciate a welcome home gift from the Beer of the Month Club. 8. It would not be a good idea for your wife’s size 2 sister to come and help you out BEFORE the wife comes home from the hospital. 9. None of the exotic dancer clubs in town serve two-for-one buffets and those credit card charges can’t be explained that way. 10. Remember, it was HER knee that got replaced and SHE can talk about the pain involved HER way. 11. No! Don’t even think about asking her to save that open-back hospital gown to be worn at some future “come as you were” party. 12. Even though your social security raise time isn’t for awhile, you can’t sell any of those happy pills the wife takes. Don’t care if they are extra. 13. Regardless of how many you kicked under the furniture, the wife WILL find all those dust bunnies. 14. When she’s ready to make that first trip out of the house, Home Depot ain’t where she wants to go.


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The Valley Business Journal V21 #1