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Serving Southwest Riverside County Since 1989<br />

VOLUME 29, NUMBER 2<br />

FEBRUARY 20<strong>18</strong><br />

And...<br />

How the Tax Reforms Will<br />

Take Effect<br />

Job & Career Fair<br />

Celebrating the Life of<br />

Bea Taylor<br />

National<br />

Merchants ASSOC.<br />

Now Hiring<br />

page 15<br />

profile: Sally<br />

and gary myers<br />

page 25<br />

PEOPLE<br />

Taste & Enjoy<br />

Mercedes-Benz Veteran<br />

Comes to Temecula<br />

Temecula Mayor Matt Rahn<br />

Appointed as Chair of the State of California’s<br />

Cannabis Advisory Committee<br />

Last week during its first<br />

meeting of 20<strong>18</strong>, the California<br />

Department of Consumer Affairs’<br />

newly created committee, the<br />

Cannabis Advisory Committee<br />

(under the Bureau of Cannabis<br />

Control), appointed Temecula<br />

Mayor Matt Rahn as its Chair.<br />

Mayor Matt Rahn is the only elected<br />

official represented on this 22-member<br />

Board, which serves at the direction<br />

of the Director of the Department of<br />

Consumer Affairs, Dean R. Grafilo.<br />

SEE PAGE 27<br />

SEE PAGE 31<br />

Taking<br />

Chris Lanza, a 40-year veteran of the luxury retail<br />

automotive industry, has been promoted to General<br />

Manager of Mercedes-Benz of Temecula.<br />

Control<br />

of<br />

Your<br />

Career<br />

by Ted Saul,<br />

SEE PAGE 19<br />

The beginning of the year is a good<br />

time for career evaluation along<br />

with reviewing or developing a plan<br />

to move forward or start something<br />

new. It’s not unusual to experience<br />

two or three careers in a life- time<br />

these days. Industry evolution and<br />

simply wanting to do something<br />

different are legitimate reasons for<br />

change.<br />

SEE PAGE 27 Sr. Staff Writer<br />

SEE PAGE 26<br />

Tax Reform Move Over 2017<br />

Tax Deadline Ahead<br />

Common Isn’t Always<br />

Correct<br />

No End in Sight?<br />

FINANCIAL<br />

page<br />

12<br />

HEALTH<br />

22<br />

REAL ESTATE<br />

25


www.TheValleyBusinessJournal.com<br />

THE VALLEY BUSINESS JOURNAL<br />

2 <strong>February</strong> 20<strong>18</strong>


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

3


www.TheValleyBusinessJournal.com<br />

THE VALLEY BUSINESS JOURNAL<br />

4 <strong>February</strong> 20<strong>18</strong>


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

5


THE VALLEY BUSINESS JOURNAL<br />

6 www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

www.TheValleyBusinessJournal.com<br />

www.facebook/<br />

thevalleybusinessjournal<br />

For questions, comments, or story ideas, please<br />

e-mail publishertvbj@verizon.net or<br />

call (951) 461-0400.<br />

EDITOR/PUBLISHER/CEO<br />

Linda Wunderlich<br />

Email: publishertvbj@verizon.net<br />

ADVERTISING SALES INFORMATION<br />

(951) 461-0400<br />

CREATIVE DIRECTOR<br />

Helen M. Ryan<br />

www.HelenMRyan.com<br />

VP OF DISTRIBUTION<br />

Dane Wunderlich<br />

STAFF WRITERS/<br />

CONTRIBUTING WRITERS<br />

Gene Wunderlich<br />

Ted Saul<br />

Helen M. Ryan<br />

Stefani Laszko<br />

Nicole Albrecht<br />

Julie Ngo<br />

Tracey Papke<br />

Tom Plant<br />

Esther Phahla<br />

Dr. Dennis Petersen<br />

Steve Amante<br />

Dr. Derek Albrecht<br />

Monique deGroot<br />

John Messina<br />

Andrea Shoup<br />

Gloria Wolnick<br />

Dr. Drake Levasheff<br />

Tim Freese<br />

Mary Gram<br />

John & Christine Hamby<br />

Heather Petersen<br />

David Grabhorn<br />

CONTRIBUTING PHOTOGRAPHERS<br />

Cy Rathbun<br />

Todd Montgomery<br />

Kip A. Cothran<br />

Tom Plant<br />

Criteria for Submitting Articles:<br />

1. Since the publication of articles is an added<br />

public relations feature for our advertisers,<br />

their articles will be given first priority. Other<br />

articles will be published on a space available<br />

basis.<br />

2. Articles should be submitted as a Word<br />

document file.<br />

3. Articles must be business-oriented and<br />

pertain to the author’s area of expertise. A<br />

photo of the writer is appropriate.<br />

4. All submissions are subject to editing by the<br />

publisher.<br />

5. Send completed articles by e-mail to:<br />

publishertvbj@verizon.net<br />

6. Article and advertising deadlines are the 15th<br />

of each month for the next issue.<br />

The Valley Business Journal is a California Corporation.<br />

All rights reserved. Reproduction in any form, in whole or<br />

in part, without the written permission of the Publisher<br />

is prohibited. The publication is published monthly. The<br />

opinions and views expressed in these pages are those<br />

of the writer or person interviewed and not necessarily<br />

those of The Valley Business Journal. The Valley Business<br />

Journal hereby expressly limits its liability resulting<br />

from any and all misprints, errors and/or inaccuracies<br />

any advertisement or editorial may contain, to the<br />

credit of the specific advertising payment and/or the<br />

running of a corrected advertisement or editorial<br />

correction notice.


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

7<br />

SPRING INTO<br />

action JOB AND CAREER FAIR<br />

The City of Murrieta partners to<br />

join employers with employees for a<br />

FREE Job Fair. Employers join us to<br />

find good people to recruit prospective<br />

employees! Job Seekers, come dressed<br />

in your business best and bring many<br />

updated resumes!<br />

Looking for a fresh start, want a<br />

better job or a new career plan? The<br />

City of Murrieta, will provide a career<br />

fair to help our community and surrounding<br />

communities with participating<br />

employers taking action into hiring<br />

potential employees. Spring into Action<br />

job seekers will find a wealth of career<br />

opportunities. A variety of employers<br />

from both the public and private sectors<br />

will be eager to hire for immediate openings<br />

in a wide range of fields. This job<br />

fair will bring together local businesses<br />

and our community’s skilled workforce<br />

to help businesses grow and positively<br />

impact Murrieta’s economic vitality.<br />

The City of Murrieta and Murrieta<br />

Chambers of Commerce in partnership<br />

with Before the Transition, Inc., a 501c3<br />

nonprofit (BTT) in hosting the Spring<br />

into Action Job Career Fair on <strong>February</strong><br />

13, 20<strong>18</strong> from 12:00pm to 3:00pm at<br />

the Murrieta Innovation Center, 26442<br />

Beckman Ct, Murrieta, CA 92562.<br />

The City of Murrieta. “The unemployment<br />

rate in Murrieta is at its lowest<br />

in a decade according to a new report from<br />

the California Employment Development<br />

Department. New jobs in the hospitality,<br />

construction and health care industries are<br />

driving employment numbers up. The information<br />

in the report illustrates a bigger<br />

picture. California is charging towards<br />

full-employment and the City of Murrieta<br />

is reflecting this trend.” More information<br />

can be found on their website at: https://<br />

www.murrietaca.gov/news/displaynews.<br />

asp?NewsID=800&TargetID=1<br />

Workshop for Job Seekers. Are you<br />

ready for the Murrieta Job Career Fair?<br />

Perhaps you’re nervous about what to<br />

expect and how to be successful at the Job<br />

Fair. Do not fear, we will alleviate your<br />

stress by providing a Job Fair Workshop!<br />

<strong>February</strong> 9, 20<strong>18</strong> - 8am to 12pm,<br />

Murrieta Learning Center, 39665 Avenida<br />

Acacias, Ste. A, Murrieta, CA 92563<br />

Participants will receive one-on-one<br />

job coaching, training to prepare for the job<br />

fair. The workshops will be conducted on<br />

<strong>February</strong> 9, 20<strong>18</strong> at the Innovation High<br />

School (formerly Diego Hills Charter),<br />

Murrieta Learning Center, 39665 Avenida<br />

Acacias, Ste. A, Murrieta, CA 92563, Main<br />

951-249-7641, Time: 12pm - 3pm.<br />

Workshops for those that need to<br />

brush-up on their employment skills such<br />

as: resumes, application process, mock<br />

interviews, and how to dress for success<br />

(also how to tie a tie) to make that first<br />

impression. After the workshops, the nonprofit<br />

Before the Transition, Inc.’s “Suit 4a<br />

Suit” – “Changing the World, “1 Suit at a<br />

Time”, “1000 Suits for Women Veterans”,<br />

“Suit-up a Youth”, “Modeling for a Cause”<br />

projects, run by CEO/Founder Dorothy<br />

Lee. One of the first clothing closets to<br />

fully integrated on-site with community<br />

base organizations who helps not only<br />

veterans, foster youth, seniors, and those<br />

formally incarcerated, but all residents of<br />

the surrounding counties in the Riverside,<br />

Ventura, and Los Angeles neighborhoods,<br />

where unemployment is high. They will<br />

provide new and gently used business/<br />

casual attire (men jeans). Mostly men<br />

clothing and some women clothing {sizes<br />

vary) for those in need will be distributed.<br />

This valuable workshop will help you:<br />

▪ Update changes on your resume<br />

▪ Creating a business card<br />

▪ Interviewing to win that job<br />

▪ Veterans – transitioning your resume<br />

with your military experience<br />

▪ Brush up on Job Fair networking<br />

techniques<br />

▪ Dressing to impress, and how to tie<br />

a tie<br />

▪ Plan effective Job Fair strategies.….and<br />

other topics<br />

“Job fairs are one of the ways the<br />

County directly helps residents while<br />

also working to strengthen our businesses.”<br />

EMPLOYERS INTERESTED IN AT-<br />

TENDING THIS EVENT<br />

RSVP on Eventbrite: https://www.<br />

eventbrite.com/e/spring-into-action-<br />

job-career-fair-company-rsvp-tickets-<br />

38655013<strong>18</strong>5?aff=erelpanelorg<br />

JOB SEEKERS INTERESTED IN<br />

ATTENDING THIS EVENT/WORK-<br />

SHOP<br />

Job Seekers RSVP for Job Fair/Workshop<br />

on Eventbrite:<br />

https://www.eventbrite.com/e/springinto-action-job-career-fair-job-seekersrsvp-tickets-38744449692.<br />

In this issue<br />

Taste of the World 1<br />

Mercedes-Benz Veteran Comes to Temecula 1<br />

Temecula Mayor Matt Rahn Appointed 1<br />

Taking Control of Your Career 1<br />

Community 7-12<br />

Tax Reform Move Over 2017 Tax Deadline Ahead! 12<br />

Temecula Valley Chamber of Commerce Announces Nominees 12<br />

How the Tax Reforms Will Take Effect 14<br />

National Merchants Association Now Hiring 15<br />

Impact of the New Tax Law on Estate Planning 16<br />

Making a Gift or Bequest to a Caregiver 17<br />

No: The Key to a Better Future 19<br />

Temecula Valley Hospital Earns 4-Star Medicare Rating 20<br />

Celebrate American Heart Month 20<br />

What’s So Great About the Farmer’s Market? 21<br />

Common Isn’t Always Correct 22<br />

Oxygen Facials 23<br />

EDC Golf Tournament Partners with Loma Linda NICU 23<br />

No End in Sight? 25<br />

EXECUTIVE PROFILE: Sally and Gary Myers 25<br />

EXECUTIVE PROFILE: Tim Freese 26<br />

Technology Trends – CryptoCurrency 27<br />

Arts & Entertainment 28-31<br />

<strong>February</strong> ‘<strong>18</strong>


www.TheValleyBusinessJournal.com<br />

THE VALLEY BUSINESS JOURNAL<br />

8 <strong>February</strong> 20<strong>18</strong>


<strong>February</strong> 20<strong>18</strong><br />

Don’t Let These 4 Myths Keep You<br />

from Getting the Care You Deserve<br />

Provided by John and Christine Hamby<br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

9<br />

With home care, there are often misunderstandings.<br />

For most, it is a blessing, a<br />

secure way for parents or loved one’s to be<br />

cared for in the home. Others are nervous<br />

about letting strangers into their home.<br />

Here are some common myths about home<br />

care, and the realities.<br />

1. Caregivers can’t be trusted.<br />

We have all heard the stories. However,<br />

these cases often involve caregivers<br />

that do not come from a reputable<br />

home care company. At FirstLight,<br />

Home Care, all of our caregivers go<br />

through a course of training developed<br />

over many years and are actual<br />

employees of our company. They are<br />

licensed, bonded and insured… our<br />

stellar reputation depends on it!<br />

2. Home care is for people who are sick<br />

or elderly.<br />

Not true. Many families employ caregivers<br />

for their aging parents even<br />

though they are not ill. A caregiver can<br />

assist with showers, meal preparation,<br />

medication reminders, shopping, organizing,<br />

and more. We also provide<br />

care for veterans, handicapped and<br />

disabled, post-operative, and dementia<br />

care to those <strong>18</strong> and older. Those<br />

that just need a little help often turn to<br />

FirstLight to assist with their activities<br />

of daily living. At FirstLight, we treat<br />

all our clients as family and will settle<br />

for nothing less than exceptional care.<br />

3: Home care is more expensive than<br />

assisted living.<br />

According to Genworth’s 2015 Cost<br />

of Care survey, the national median<br />

hourly rate for home health care is<br />

$25/hour. In contrast, the national median<br />

cost of a one-bedroom residence<br />

in an assisted living community is<br />

$3,600 per month (some regions are<br />

considerably higher). There are many<br />

ways to pay for home care including<br />

reverse mortgages, VA benefits, and<br />

long-term care insurance.<br />

4. Hiring individuals is less expensive<br />

than hiring a Home Care Company.<br />

In the short term, paying an individual<br />

as a caregiver may seem to be less<br />

expensive, but there are pitfalls to be<br />

aware of: workplace injury, fraudulent<br />

employment practices, legal issues and<br />

reporting requirements. The employer<br />

is responsible for actions of employees<br />

in the workplace and can be held liable<br />

for workplace injuries. FirstLight<br />

carries a full portfolio of insurance to<br />

include Worker’s Compensation and<br />

Liability Insurance. Our clients are<br />

protected against injuries or fraudulent<br />

employment practices, which provides<br />

peace of mind. FirstLight caregivers<br />

undergo a full DOJ background check,<br />

DMV checks, and drug screening. We<br />

focus on hiring extraordinary people,<br />

so you can focus on your loved one’s<br />

health and happiness.<br />

About FirstLight Home Care of Temecula<br />

- FirstLight Home Care of Temecula<br />

is a family owned organization that demands<br />

impeccable integrity, complete<br />

dedication to the business of caring, and<br />

uncompromising loyalty to those who<br />

trust us with their care. Our mission is to<br />

provide exceptional care to the citizens<br />

of our community and their families<br />

who entrust us with such an important<br />

responsibility.<br />

This article is provided by John and Christine<br />

Hamby, Owners of FirstLight Home<br />

Care of Temecula serving Temecula, Murrieta,<br />

Wildomar and surrounding areas.<br />

For more information, visit us online at<br />

www.Temecula.FirstLightHomeCare.<br />

com or call us at (951) 395-0821.<br />

Official City of Temecula App<br />

Temecula residents will now have<br />

news, events, information, and services<br />

in the palm of their hands with the new<br />

City of Temecula App.<br />

The City of Temecula App is designed<br />

to enhance citizen engagement by<br />

streamlining access to City information.<br />

Within the app, you can find information<br />

regarding City parks and facilities,<br />

contact information, news, social media<br />

feeds, and event calendars. You can also<br />

view Channel 3, Temecula TV directly<br />

on your device.<br />

In addition to providing information,<br />

the City of Temecula App allows access<br />

to City services. Residents will have the<br />

ability to report non-emergency issues to<br />

the City at any time of the day or night.<br />

Issues such as potholes, graffiti, homeless<br />

concerns and more can be reported<br />

quickly and easily using photographs,<br />

location, and other information about<br />

the issue. Once the issue is submitted,<br />

staff is notified, and the resident can track<br />

the status of their issue through the app.<br />

“The City of Temecula strives to be<br />

accessible to our residents, and the City<br />

of Temecula App is a tool they can use<br />

to quickly access information, services,<br />

and resources from the City,” said Mayor<br />

Matt Rahn. “With the prevalence of<br />

mobile devices today, apps like this allow<br />

residents to not only stay informed, but is<br />

an additional option to interact with the<br />

City on various topics.”<br />

The free City of Temecula App is<br />

available for download in both the Google<br />

Play and Apple App Stores, or visit<br />

https://TemeculaCA.gov/app.


www.TheValleyBusinessJournal.com<br />

THE VALLEY BUSINESS JOURNAL<br />

10 <strong>February</strong> 20<strong>18</strong>


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

11<br />

We Live in a Visual World<br />

by Cy Rathbun<br />

Everything happens so fast anymore<br />

which is why businesses need to create<br />

images that inspire their customers to<br />

notice them.<br />

I have been a Google Business Photographer<br />

since 2012. Because of that<br />

I have seen many changes in the SEO<br />

market. Today more than before, the most<br />

important idea is to get noticed. Images<br />

do not have to always be studio work but<br />

they must be high quality. Your images<br />

must represent your company and not<br />

be stock images. Everyone has seen the<br />

same smile at almost all dental offices I<br />

know because I owned a teeth-whitening<br />

business back in 2008, and the same<br />

stock image I bought then are still in<br />

offices today 9 years later. Your customer<br />

knows you’re not fixing that guy’s teeth<br />

anymore.<br />

You can take a photo with your smart<br />

phone and think that it is ok, but will it<br />

get noticed? Will it be remembered? Will<br />

it inspire customers to check out your<br />

business? Usually not. This article is not<br />

to get you to call me, but I hope it gets<br />

you to call a professional photographer<br />

next time you think about the images you<br />

want to use to show case your business.<br />

You can let your potential new customers<br />

walk into your business thru the<br />

front door and walk around via a virtual<br />

tour. If I’m going to my favorite dinner<br />

house, Luke’s on Front Street, I can tell<br />

someone I am meeting there to go to<br />

a link on Google Maps. They can see<br />

the entire restaurant before they arrive<br />

so they are excited about where we are<br />

meeting.<br />

Today people learn through visual<br />

experience often more than reading<br />

words. How many families do you see<br />

in a restaurant and they are all on their<br />

smart phones at the table together. They<br />

are looking at images most of the time<br />

or playing a video or gaming. Hasn’t the<br />

world become an image based ideological<br />

place to exist? If they wanted words,<br />

there would be more books sold today<br />

than ever but there isn’t. 1 in 5 or 6 people<br />

actually read books! So how do they<br />

get information about photography and<br />

art? Typically, it starts with You Tube<br />

or searching on Google until they view<br />

something interesting. Then they watch<br />

the moving pictures instead of reading<br />

how to do something. Visual is more<br />

connective anymore.<br />

Let’s go back to photography before I<br />

run out of words. Taking photos anymore<br />

is walking along with your smart phone<br />

seeing let’s say a sunset stopping snap the<br />

picture which most likely looks ok! You<br />

show them to your friends and few (Oohs<br />

and Ahs) and it gets discarded because it<br />

is not worth keeping.<br />

Before you yell at me, I am aware<br />

there are really great apps for software<br />

to develop and make it pretty but that<br />

is not what I am critical about. Will that<br />

photo ever hang in a museum? Will it<br />

ever be spoken about by your peers?<br />

Most likely not and I would guess Ansel<br />

Adams, Steve McCurry or Jay Maisel<br />

all top world photographers would not<br />

consider it memorable either. Sometimes<br />

I have to do something for local events on<br />

my phone, but I don’t do what I consider<br />

art with my phone. One of my pictures<br />

at the Golden Corral has 240,00 views<br />

but it is not what my representation of<br />

photography is, it was just a photo I did<br />

for a soft opening and got a lot of views.<br />

So, let me finish if you only have<br />

a smart phone go forward and you will<br />

have something. But if you can afford a<br />

photographer do that and you can expect<br />

something great for your money!<br />

Typically, it starts with You Tube or searching on<br />

Google until they view something interesting.<br />

Then they watch the moving pictures<br />

instead of reading how to do something.<br />

Visual is connective.<br />

Celebrating the Life of Bea Taylor<br />

Bea Taylor, known by thousands of<br />

Temeculans as “Mrs. Claus,” died December<br />

17, 2017 of a heart attack while<br />

recuperating from a broken ankle in<br />

Encinitas. Bea was 90 years young. A celebration<br />

of her life will be held <strong>February</strong><br />

25th, 2pm, at the Temecula Community<br />

Center, 28816 Pujol St., Temecula.<br />

Bea was born Beatrice May Dawson,<br />

March 9, 1927, in Ohio. Her<br />

parents Thelma and Frank later moved<br />

to Chula Vista, where they built a<br />

nursery business. Bea loved to dance<br />

and met her first husband Navy sailor<br />

Gardner Wade at a USO dance. They<br />

had two children, Vera and Bruce. The<br />

couple divorced, and later Bea met the<br />

handsome and tall Robert Taylor at a<br />

“Parents Without Partners” dance. They<br />

were married in a simple civil ceremony<br />

while the children were in school.<br />

Bea ran a gift store in Torrance for<br />

many years while Bob hung wallpaper.<br />

They fell in love with Temecula when<br />

it was just a two stop-sign town. Bea<br />

and Bob eventually moved to Temecula<br />

and quickly became fixtures as the town<br />

greeters. They would dress in period<br />

costumes from Temecula’s early days and<br />

walk through town greeting visitors while<br />

distributing Bob’s hand-drawn maps.<br />

The Taylors were best known as<br />

Santa and Mrs. Claus during the Christmas<br />

holidays. From the early 1980s until<br />

1997, Bob and Bea greeted thousands of<br />

children, posing for pictures and listening<br />

to children’s Christmas wishes.<br />

Bea was an accomplished watercolor<br />

artist and part of the Temecula<br />

Art League. She was often seen at local<br />

events selling her paintings. Bea was a<br />

quilter, and quite crafty. She wove baskets<br />

crocheted items that were donated<br />

to newborns at the hospital.<br />

Both Bea and Bob were performers<br />

at heart. They participated in local theater<br />

where Bea would perform and sing. Bob<br />

was often the stage manager. Bea loved<br />

to sing and continued to sing to her favorite<br />

music throughout her life.<br />

Bea had broken her ankle and was<br />

on the mend in a skilled nursing facility<br />

in Encinitas when in the early hours of a<br />

new day, her heart just stopped. She lived<br />

a big beautiful life, filled with love, art,<br />

music, dancing, friends and joy. Bea is<br />

survived by her daughter Vera Michaels,<br />

her son, Bruce Wade, her stepsons Bill<br />

and Ron Taylor and a total of five grandchildren<br />

and two great grandchildren.


THE VALLEY BUSINESS JOURNAL<br />

12 www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

Tax Reform Move Over 2017 Tax<br />

Deadline Ahead!<br />

FINANCIAL<br />

by<br />

Esther Phahla,<br />

CPA, CTC, MST<br />

It’s Official, Tax Reform is here!<br />

This is the first significant reform of the<br />

U.S. tax code since 1986. BUT WAIT!<br />

It’s easy to forget that we still have 2017<br />

taxes to file, which are governed by the<br />

old rules. That’s tax preparation. While<br />

we are working on 2017 taxes, that’s an<br />

opportunity to have a discussion on how<br />

the new rules are going to affect you in<br />

20<strong>18</strong>. That’s Pro-Active Tax Planning.<br />

But first comply for 2017.<br />

The IRS announced that it will start<br />

accepting 2017 tax returns on January 29,<br />

20<strong>18</strong>, they strongly encourage taxpayers<br />

to file their tax returns electronically<br />

for faster refunds. If you’re expecting a<br />

refund partly or wholly because of the<br />

Earned Income Tax Credit or the Additional<br />

Child Tax Credit, those checks<br />

may not go out before mid-<strong>February</strong>. File<br />

early and beat identity thieves to it.<br />

Let’s take one day at a time and look<br />

at Which laws apply for 2017:<br />

The 2017 Disaster Tax Relief Bill. This<br />

Act provides:<br />

1. Temporary tax relief for residents<br />

affected by Hurricanes Harvey, Irma,<br />

and Maria.<br />

2. Businesses that qualify for relief may<br />

claim a new “employee retention tax<br />

credit” of up to $2,400 for qualified<br />

wages paid to eligible employees.<br />

3. Eased restrictions for individuals for<br />

claiming personal casualty losses by<br />

waiving the 10% of adjusted gross<br />

income and permitting the casualty<br />

deductions by non-itemizers.<br />

4. Tax-favored withdrawals from retirement<br />

plans. The 10% early withdrawal<br />

penalty is eliminated permitting this<br />

income to be reported ratable over 3<br />

years and allowing re-contributions in<br />

the form of rollovers within 3 years of<br />

distributions.<br />

5. The option of using current or prior<br />

year’s income for purposes of claiming<br />

the earned income and child tax credits.<br />

6. Charitable Deductions Limitations are<br />

suspended.<br />

Medical deductions: the floor is lowered<br />

to 7.5% of adjusted gross income<br />

for all individuals. If you recall in 2016<br />

only taxpayers who were over 65 years<br />

old could take the 7.5% deduction and<br />

everyone else was 10% of their adjusted<br />

gross income.<br />

Health Care Reporting: The IRS will<br />

not accept individual e-filed tax returns<br />

until the taxpayer indicates whether they<br />

had coverage, had exemption or will<br />

make a shared responsibility payment.<br />

Paper filed returns that do not address<br />

health coverage requirements maybe<br />

suspended and refunds may be delayed.<br />

Be aware of Provisions that expired as<br />

of December 31, 2016.<br />

Now what to plan for in 20<strong>18</strong>?<br />

20<strong>18</strong> Changes: Highlights of the Tax<br />

Cuts & Jobs Act<br />

Remember: None of the following<br />

will affect your 2017 tax return, even<br />

though there was a push to pass a tax<br />

overhaul by Christmas of 2017. The new<br />

laws will first be applied to 20<strong>18</strong> tax<br />

returns. But, you have to do something<br />

during this year to be in good shape for<br />

tax season next year.<br />

Some Top Changes for Individuals:<br />

1. Individual tax rates are lowered.<br />

2. Standard deduction is increased.<br />

3. Personal exemptions are eliminated.<br />

4. Child tax credit is increased.<br />

5. Alternative minimum tax (AMT) is<br />

increased.<br />

6. Estate and gift tax exemption is doubled.<br />

7. The state and local tax deduction is<br />

capped to $10,000.<br />

8. Moving expenses are eliminated<br />

(with an exception for certain military).<br />

9. Employee business expenses are<br />

eliminated.<br />

10. Mortgage interest beyond interest on<br />

$750,000 of acquisition debt, if you<br />

purchase a new home is eliminated.<br />

11. Mortgage interest paid on equity<br />

debt is no longer deductible for any<br />

taxpayer.<br />

Some Top Changes for Businesses:<br />

1. Corporate Tax rate is lowered to<br />

21%.<br />

2. There will be a 20% deduction from<br />

net business income for pass through<br />

entities (sole proprietors, LLCs, partnerships,<br />

S corporations), and rental<br />

activities.<br />

3. Corporate alternative minimum tax<br />

(AMT) is eliminated.<br />

There’s more, talk to your Tax Professional<br />

to see how you will be affected<br />

by the new laws. Tax Planning is the Key.<br />

Failure to Plan is Planning to Fail.<br />

Esther Phahla is a Certified Public<br />

Accountant and Certified Tax Coach in<br />

Temecula. She also holds a Master’s of<br />

Science in Taxation. She is the Best-Selling<br />

Co-Author of a Tax Planning book<br />

“Why Didn’t My CPA Tell Me That”. She<br />

can be reached at (951) 514-2652 or visit<br />

www.estherphahlacpa.com.<br />

Paper filed returns that<br />

do not address health<br />

coverage requirements<br />

maybe suspended and<br />

refunds may be<br />

delayed.


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

13<br />

Temecula Valley Chamber of Commerce<br />

Announces Nominees<br />

for Business, Citizen, Valley Young Professional and Non-Profit of the Year<br />

Each year, the members of the Temecula Valley Chamber of Commerce<br />

nominate businesses, non-profit organizations and individuals who they feel<br />

serve as leaders in community service, business ethics and economic development.<br />

Winners are announced at the Annual Awards Gala on Saturday, <strong>February</strong><br />

24, 20<strong>18</strong> at Pechanga Resort & Casino. This grand black-tie event is generously<br />

sponsored by Abbott, Pechanga Resort & Casino, 60 Grit Studios, Paradise<br />

Chevrolet Cadillac, National Merchants Association, Southwest Healthcare<br />

System and The Law Offices of Rosenstein & Associates. In addition to the<br />

nominees listed, awards will be given to: Ambassador of the Year, Lifetime<br />

Achievement, Chairman’s Choice and Welty Tourism.<br />

Congratulations to the following businesses and individuals on<br />

their nomination:<br />

2017 Bronze Business of the Year Nominees<br />

Batteries Plus Bulbs #678, Butterfield Ranch Self Storage, California Realty<br />

Experts, Dubots Capital Management, Leslie A. Doherty & Company, P.C.,<br />

Prime Lending, Temecula Valley Custom Pools, Inc.<br />

2017 Sterling Business of the Year Nominees<br />

Amante & Associates Insurance Solutions, Inc., California Bank & Trust,<br />

Corner Bakery Café, The Creative Bar, Home Perfect Carpet & Tile Cleaning,<br />

Inc./Home Perfect Emergency Services, E.A.T. Extraordinary Artisan Table,<br />

Fabozzi & Miller, APC, The Law Offices of Rosenstein & Associates, Murrieta<br />

Valley Surgery Associates, Inc., New Day Solar, Nothing Bundt Cakes<br />

Temecula, PKC Kuebler, APC<br />

2017 Gold Business of the Year Nominees<br />

Baker Electric Solar, ERA Donahoe Realty, Stryder Transportation, Temecula<br />

Valley Drywall, Inc./ Timberlake Painting<br />

2017 Platinum Business of the Year Nominees<br />

DCH Auto Group Temecula, Gosch Ford Temecula, Kaiser Permanente, National<br />

Merchants Association, Paradise Buick GMC, Rancho Christian School,<br />

Securitas Security Services USA, Inc., Temecula Valley Toyota, WestPak<br />

Avocado, Inc.<br />

2017 Service/Charitable Organization of the Year<br />

Nominees<br />

Boys & Girls Clubs of Southwest County, Charity for Charity, Help Hospitalized<br />

Veterans, Hole Hearted Foundation, Oak Grove Center for Education,<br />

Treatment & The Arts, Project Touch, Small Business Development Center,<br />

Temecula Valley Balloon & Wine Festival, United Way of the Inland Valleys<br />

2017 Citizen of the Year Nominees<br />

Kimberly Adams, Kathy Anselmo, Carly Bennett-Valle, Tena Carracciolo,<br />

Craig Davis, Leah Di Bernardo, Tina Gottlieb, Chris Miehl, Josh Painter, Greg<br />

Pennyroyal, Dave Thompson, Darlene Wetton, Becky Young<br />

2017 Valley Young Professional of the Year Nominees<br />

Ashlee Collins, Jared Johnson, Stephanie Staab<br />

Ticket Information: Reservations are $145 per person and $1,550<br />

for a corporate table of 10 guests. Reservations can be made at www.<br />

temecula.org or by calling the Temecula Chamber office at (951)<br />

676-5090. Tickets include champagne reception, dinner, awards<br />

presentation, and entertainment. You won’t want to miss this year’s<br />

entertainment provided by Bonnie Foster Productions!


THE VALLEY BUSINESS JOURNAL<br />

14 www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

How the Tax Reforms Will Take Effect<br />

Some of the impact of the Tax Cuts & Jobs Act will be felt<br />

mostly for the 20<strong>18</strong> tax year.<br />

FINANCIAL<br />

presented by<br />

Nicole M Albrecht EA<br />

President Donald Trump signed the<br />

Tax Cuts & Jobs Act into law on December<br />

22nd, and on January 1st, some key<br />

details of the Internal Revenue Code will<br />

abruptly change.<br />

Changes will be noticeable. On January<br />

1st, the federal estate tax exemption will<br />

double; the standard federal income tax<br />

deduction will nearly double. The top<br />

corporate income tax rate will fall from<br />

35% to 21%. Most business owners who<br />

make pass-through income will be able<br />

to deduct the first 20% of that income<br />

tax-free.<br />

New Individual Tax Brackets of 10%,<br />

12%, 22%, 24%, 32%, 35%, and 37%<br />

Standard Deduction Will Increase but<br />

Personal Exemptions are Eliminated:<br />

Standard deduction increases to $12,000<br />

for single filers, $<strong>18</strong>,000 for head of<br />

household, and $24,000 for joint filers in<br />

20<strong>18</strong> (compared to $6,500, $9,550, and<br />

$13,000 respectively under current law).<br />

Personal exemptions ($4K per person)<br />

are eliminated. For a single individual,<br />

the net result of the increased standard<br />

deduction and personal exemption<br />

elimination is an additional deduction of<br />

$1,500 ($3K for married). Fewer people<br />

will end up itemizing deductions under<br />

this plan.<br />

Workers may not see changes to their<br />

paychecks until <strong>February</strong>. The Internal<br />

Revenue Service will be releasing new<br />

withholding tables in January.<br />

Two provisions of the TCJA may also<br />

apply retroactively for some taxpayers:<br />

• A larger federal tax deduction for outof-pocket<br />

medical expenses is allowed<br />

not just for 20<strong>18</strong>, but also for 2017.<br />

Taxpayers who itemize may write off<br />

qualifying medical expenses exceeding<br />

7.5% of income in 2017, instead of<br />

10% of income.<br />

• Businesses that bought new capital<br />

equipment after September 27, 2017<br />

will be permitted to fully and immediately<br />

expense those purchases for the<br />

2017 tax year.<br />

Health insurance mandate January 1,<br />

2019: On that day, the individual health<br />

insurance mandate is scheduled to be<br />

repealed; no taxpayer will face a penalty<br />

for not having health coverage.<br />

Many of the changes authorized by the<br />

passage of the TCJA will expire after<br />

2025. Congress may or may not renew<br />

them at the end of that year. The reduction<br />

of the corporate tax rate to 21% is a notable<br />

exception – that change is permanent.<br />

Mortgage Interest: Limits the mortgage<br />

interest deduction to the first $750,000 in<br />

acquisition debt. For homes purchased<br />

before December 15, 2017, the mortgage<br />

deduction limit is grandfathered<br />

in at $1M. No limit on rental mortgage<br />

interest, considered trade or business. In<br />

2026, this provision reverts to $1M.<br />

Home Equity Debt: Interest paid on<br />

home-equity loans will no longer be<br />

deductible beginning in 20<strong>18</strong>, with no<br />

grandfathering in. In other words, if you<br />

already have a home-equity loan or line<br />

of credit, this is the last year you can<br />

write off the interest paid on it. In 2026,<br />

this provision will revert to current law,<br />

which allows a deduction for interest paid<br />

on up to $100,000 of home-equity debt.<br />

State and local tax deduction (SALT)<br />

$10,000 Max: The bill limits the deductibility<br />

of 20<strong>18</strong> and future property taxes<br />

and state and local income taxes to a<br />

combined $10,000.<br />

Child Tax Credit: The child tax credit<br />

has doubled to $2,000 for children<br />

under 17. The entire credit can be<br />

claimed by single parents who make up<br />

to $200,000, and married couples who<br />

make up to $400,000.<br />

New tax credit for non-child dependents,<br />

like elderly parents: Taxpayers<br />

may now claim a $500 temporary<br />

credit for non-child dependents. This<br />

can apply to a number of people adults<br />

support, such as children over age 17,<br />

elderly parents or adult children with a<br />

disability.<br />

Alimony Payments: Alimony payments<br />

are no longer deductible for the person<br />

who writes the checks. This provision<br />

will apply to couples who sign divorce<br />

or separation paperwork after December<br />

31, 20<strong>18</strong>.<br />

Moving Expense Deduction: Eliminated,<br />

except for members of the military.<br />

Unreimbursed Business Expenses,<br />

Investment Expenses, CPA Fees, & All<br />

2% Itemized Deductions: Deductions<br />

are eliminated starting in 20<strong>18</strong>, but this<br />

reverts to current law in 2026. Business<br />

expenses related to a trade or business<br />

are still deductible, but unreimbursed<br />

expenses related to a W2 position are no<br />

longer deductible.<br />

20% Deduction for Pass-Through<br />

Businesses: A new 20% deduction is<br />

available to all pass-through businesses<br />

(S-Corps, partnerships, Schedule C (sole<br />

proprietorship), Schedule E (rentals), and<br />

Schedule F (farming, trusts, and estates)<br />

for 2017 through 2025. Tax law limits<br />

the 20% deduction to no more than 20%<br />

of the taxpayer’s taxable income subject<br />

to ordinary income tax rates.<br />

This is a good time to plan your 20<strong>18</strong><br />

tax strategy. Talk to your tax preparer<br />

soon, to see how you might take advantage<br />

of the adjustments to federal tax law.


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

15<br />

National Merchants Association Now Hiring<br />

Temecula-based Company Seeks to fill Hundreds<br />

of Entry-to-Executive Level Positions<br />

National Merchants Association<br />

(NMA), a global merchant advocacy<br />

group and leader in merchant services,<br />

recently announced plans to hire close<br />

to 200 new employees in 20<strong>18</strong>, doubling<br />

the current headcount. The hiring<br />

campaign is part of ambitious expansion<br />

plans for the company, which has been<br />

headquartered in Temecula since 2012.<br />

NMA is currently hiring for entry-level<br />

to executive-level positions in<br />

Sales, Internet Technology, Marketing,<br />

Customer Service and Corporate Administration.<br />

All positions offered are<br />

full-time and features benefits such as<br />

100% paid health insurance, company<br />

dental insurance, company-matched<br />

401(k), paid holidays, vacation time<br />

and referral bonuses.<br />

NMA has enjoyed a meteoric level<br />

of growth over the past six years. According<br />

to the 2017 Inc. 5000 list of<br />

fastest-growing private financial services<br />

companies, NMA is No. 1 in Riverside<br />

County and is 11th in the state of California.<br />

Currently, NMA is ranked No. 196<br />

in the Inc. 5000 list of companies of any<br />

kind in the United States.<br />

“NMA is growing and we are<br />

proud to be able to provide dynamic<br />

careers for great candidates in our region,”<br />

said NMA Founder and CEO,<br />

Heather Petersen. “We are looking for<br />

the best of the best to come right in,<br />

learn what it takes to succeed here at<br />

NMA, and fit right into our team.”<br />

Great companies consist of great<br />

people, and the work environment<br />

at NMA is built around the belief of<br />

growth beyond boundaries. Prospective<br />

applicants should visit www.<br />

nationalmerchants.com/careers for a<br />

full list of open positions and to begin<br />

the application process.<br />

For more information about National<br />

Merchants Association and its<br />

full catalog of merchant and payment<br />

processing services, please visit www.<br />

nationalmerchants.com.<br />

About National Merchants Association<br />

- National Merchants Association<br />

is a global leader in merchant payment<br />

processing services and is dedicated to<br />

helping merchants and agent partners<br />

grow their businesses by generating<br />

sales opportunities and maximizing<br />

profits. Ranked 196 among the Inc.<br />

5000 fastest-growing private companies,<br />

National Merchants Association<br />

owes much of its success to its strong<br />

commitment to advocacy. NMA works<br />

for agents to create a pro-businesses<br />

payments environment and for merchants<br />

to eliminate the unnecessary<br />

and unreasonable fees associated with<br />

accepting electronic transactions. Visit<br />

www.NationalMerchants.com or call<br />

(866) 509-7199 for more information.<br />

The City of Temecula Presents a Special<br />

“Sweetheart Concert”<br />

Just in time for Valentine’s Day,<br />

the City of Temecula proudly presents<br />

a Sweetheart Concert, in collaboration<br />

with the Valley Winds Swing Band.<br />

Bring your sweetheart to the Community<br />

Recreation Center (30875 Rancho<br />

Vista Road) on Sunday, <strong>February</strong> 11th<br />

at 2:00 pm for a free concert.<br />

The Valley Winds Swing Band is<br />

modeled after the typical big band of<br />

the 1940s. The 17-piece band performs<br />

many of the standard songs made famous<br />

during the WWII era, as well as<br />

rock and roll tunes familiar to today’s<br />

audience. Their fast and slow dance<br />

songs include many great hits from<br />

Aretha Franklin and Chicago to the<br />

songs of the Glenn Miller Orchestra.<br />

Vocalist Rosalie Porter and the band<br />

look forward to sharing this timeless<br />

music with you.<br />

For more information about the<br />

event or venue, please contact the<br />

Arts & Culture Team at the City of<br />

Temecula Community Services Department<br />

at (951) 694-6417 or visit<br />

www.TemeculaCA.gov.<br />

TemeculaCA.gov<br />

Your Local Chambers<br />

Temecula Valley Chamber of<br />

Commerce<br />

www.temecula.org<br />

Murrieta/Wildomar Chamber<br />

of Commerce<br />

www.MWCoC.org<br />

Menifee Valley Chamber of<br />

Commerce<br />

www.menifeevalleychamber.com<br />

Lake Elsinore Valley Chamber<br />

www.lakeelsinorechamber.com<br />

Hemet/San Jacinto Valley<br />

Chamber of Commerce<br />

www.hsjvc.com<br />

See how the chambers can help your business.


THE VALLEY BUSINESS JOURNAL<br />

16 www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

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With Pulido you are family.<br />

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the Temecula valley since 1989<br />

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on Facebook<br />

Lic# 710901<br />

Impact of the New Tax Law on Estate Planning<br />

LEGAL<br />

by by<br />

Andrea Steve Fillingim Shoup<br />

The Tax Cuts and Jobs Act of 2017<br />

(‘Act’) became effective on January 1,<br />

20<strong>18</strong> and is the first significant change<br />

to the tax code since 1986. Whether<br />

or not one agrees with the underlying<br />

change in tax policy, the Act will affect<br />

many financial and estate planning<br />

decisions for individuals and families.<br />

These changes go beyond the wellknown<br />

reductions in individual and<br />

corporate income tax rates and can also<br />

alter asset planning and distribution<br />

methods.<br />

Some had hoped that Congress<br />

would repeal the estate tax entirely, but<br />

that was not the case in the final bill<br />

signed into law. However, there were<br />

changes that could affect some estate<br />

plans, and if any of these pertain to<br />

you, then it may be necessary to amend<br />

your will or trust. Here is quick overview<br />

of key provisions, but your estate<br />

planning attorney and tax planner will<br />

need to advise you on specific steps to<br />

take for your situation.<br />

Increase of Estate Tax Exemption<br />

The estate tax exemption is doubled<br />

in the Act, and in 20<strong>18</strong> will be<br />

$11.2 million for individuals and $22.4<br />

million for married couples. What<br />

this means is that estates valued less<br />

than those amounts will pay no estate<br />

tax. The tax rate on amounts over the<br />

exemption remains the same at 40%.<br />

Increased Lifetime Gift Tax Exemption<br />

The new estate tax exemption is<br />

also applied to lifetime gift amounts,<br />

giving wealthy families a significant<br />

opportunity to reduce their estate value.<br />

Keep in mind that making lifetime<br />

Doug Nottingham of Nottingham and<br />

Associates has earned the designation of<br />

EA by successfully passing all three parts<br />

of the Enrolled Agent’s exam. The exam<br />

is given by the IRS. It tests the applicant’s<br />

knowledge of individual and business<br />

gifts will reduce the estate tax exemption<br />

by the amount of the gift. (e.g. $1<br />

million of lifetime gifts will reduce<br />

the exemption to $10.2 million for an<br />

individual)<br />

529 College Savings Plans<br />

The benefit of 529 plans allow<br />

tax free withdrawals for educational<br />

expenses, and the original contribution<br />

to the plan are removed from the estate<br />

value. Contributions can be ‘bunched’<br />

together, up to five years’ worth of the<br />

annual gift tax exclusion. The annual<br />

gift exclusion is $15,000, so a $75,000<br />

contribution is possible in 20<strong>18</strong> (twice<br />

that for married couples).<br />

The Act also makes it possible<br />

to use distributions for elementary or<br />

secondary educational expenses, not<br />

just for college expenses as before,<br />

making this an excellent new benefit<br />

for families.<br />

Charitable Giving<br />

Because of the increased estate tax<br />

exemption, charities were concerned<br />

this might affect charitable giving by<br />

wealthier donors. Also, the increase in<br />

the standard deduction may keep some<br />

taxpayers from itemizing, which is the<br />

way to deduct charitable gifts. A strategy<br />

of “bunching” gifts is an option<br />

for dealing with this change, where<br />

one can itemize every other year and<br />

double their donations for that year.<br />

However, one positive is that the<br />

adjusted gross income limit for charitable<br />

gift deductions was increased<br />

from 50% to 60%, allowing for larger<br />

deductible annual gift amounts. These<br />

changes will require some creative<br />

estate and tax planning strategies but<br />

could result in a lower average tax bill.<br />

The new tax Act is here to stay, so<br />

now is the time to speak to your estate<br />

planning attorney on any adjustments<br />

that you might need to your estate plan.<br />

Please contact attorney Andrea K.<br />

Shoup at 951-445-4115 to discuss how<br />

these changes might affect you and<br />

your planning.<br />

Doug Nottingham Earns EA Designation<br />

taxes as well as ethics and IRS procedural<br />

issues. Successful completion means<br />

that Mr. Nottingham is now licensed to<br />

practice before the IRS and can petition<br />

to practice in tax court.<br />

Courtyard Hotel Opens in Murrieta<br />

Innovative design and flexible space<br />

tailors to the needs of today’s travelers.<br />

Courtyard by Marriott Temecula/Murrieta<br />

is now open for business in Murrieta. Featuring<br />

an innovative lobby space as well<br />

as Courtyard’s latest contemporary room<br />

design, the new hotel provides flexibility<br />

and choices that allow guests to optimize<br />

and elevate their travel experience.<br />

Located at 25419 Madison Avenue,<br />

the <strong>18</strong>3-room hotel will operate as a<br />

Marriott franchise, owned and managed<br />

by Advance Management & Investment,<br />

LLC of Kingman, Arizona. Whether traveling<br />

for business or pleasure, the Courtyard<br />

Temecula Murrieta offers guests<br />

convenient access to Pechanga Casino,<br />

Lake Elsinore Storm Baseball, Santa Rosa<br />

Plateau, Wine Country, and Old Town<br />

Temecula and Murrieta.


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

When Making a Gift or Bequest to a<br />

Caregiver, Seniors Must Take Extra Steps to<br />

Make Sure It’s a Blessing, Not a Curse<br />

17<br />

LEGAL<br />

by<br />

Evan L. Smith, Esq.<br />

and<br />

Mary E. Gram, Esq.<br />

Historically, an underlying premise<br />

of the laws governing wills and trusts has<br />

been that an owner is entitled to dispose of<br />

his property as he pleases in death as in life.<br />

However, due to some well-publicized cases<br />

of senior citizens being preyed upon by persons<br />

hired to care for them who persuaded<br />

the seniors to leave them large bequests,<br />

California in the 1990s enacted laws to<br />

protect seniors from such people who the<br />

new legislation defined as “care custodians”.<br />

Although the new protective measures were<br />

aimed at paid care custodians, the language<br />

of the statutes did not restrict the measures to<br />

only professionals. Thus, even friends and<br />

neighbors who aid an elder neighbor can end<br />

up defending a lawsuit if their friend leaves<br />

them a testamentary gift. We had occasion<br />

to defend such a lawsuit, and have written<br />

this article to educate seniors on the steps the<br />

law provides to avoid turning a gift intended<br />

as a blessing into a curse.<br />

An Illustrative Case<br />

A good example of what can happen<br />

if a Certificate of Independent Review is<br />

not obtained by the elder making a gift is a<br />

case successfully defended by Mary Gram<br />

of our law firm. Her clients were a married<br />

couple (the “Smiths”) who were fast friends<br />

with their neighbors, a childless older couple<br />

who had no local relatives (the “Jones”).<br />

Over the years the Smiths and Jones would<br />

celebrate holidays and other occasions together,<br />

and the Jones doted on the Smiths’<br />

children as though they were family. Mr.<br />

Jones had some nephews who resided on the<br />

East Coast, who never visited him or were<br />

otherwise involved in the Jones’ lives.<br />

After Mrs. Jones passed away, Mr. Jones<br />

health declined. The Smiths increasingly<br />

cared for him, and he eventually moved into<br />

their home, and became an integral part of<br />

their family. After a few years he passed<br />

away, leaving his entire estate in trust to the<br />

Smiths. Upon learning of this, his nephews<br />

sued, alleging the Smiths had exercised<br />

undue influence on Mr. Jones to obtain his<br />

estate. As Mr. Jones had not obtained a Certificate<br />

of Independent Review, the Smiths<br />

were left to defend a costly lawsuit.<br />

Fortunately, the Smiths had kept years<br />

of birthday cards to and from the Jones, had<br />

lots of photos and video recordings of occasions<br />

together over the years, and friends<br />

and neighbors from the community who<br />

knew them and the Jones, and were willing<br />

to testify to the closeness and quality of their<br />

relationship. Therefore, they were able to<br />

provide sufficient evidence to satisfy their<br />

“clear and convincing” burden of proof.<br />

After a court trial that lasted more than two<br />

weeks they prevailed. Had they not kept all<br />

those photos and cards they might have lost.<br />

The Legal Framework<br />

California law is concerned with elders<br />

being unduly influenced by care providers<br />

who seek to improperly access their financial<br />

resources. Because of this, any financial<br />

transfers, gifts to caregivers, or bequests<br />

via the estate plan of the elder (“Gifts”) are<br />

presumed to be the product of fraud or undue<br />

influence, unless the elder has obtained<br />

independent counsel and a Certificate of<br />

Independent Review from an attorney who<br />

did not draft the instrument providing for<br />

the Gifts.<br />

As interpreted by California courts,<br />

these laws have been held to include not only<br />

Gifts to professional caregivers, but in some<br />

cases also to friends and neighbors who have<br />

assisted elderly friends and neighbors with<br />

tasks as mundane as grocery shopping, cooking,<br />

bathing, or properly taking medications.<br />

Thus, if such Gifts are challenged by<br />

the elder’s relatives, the caregiver can find<br />

herself enmeshed in a costly lawsuit where<br />

she has the burden of proving by a high<br />

“clear and convincing proof” standard that<br />

the Gifts were not improperly obtained. Under<br />

this standard the caregiver must provide<br />

a substantial amount of evidence to prove<br />

a negative; that he or she did not coerce<br />

the elder into making a gift or bequest that<br />

resulted in the receipt of an unjust benefit by<br />

the caregiver. Therefore, an elder who freely<br />

desires to make Gifts to a caregiver needs to<br />

obtain a Certificate of Independent Review<br />

to prevent the Gifts from being transformed<br />

into a costly albatross for the caregiver.<br />

When determining undue influence, the<br />

court considers factors such as vulnerability<br />

of the victim, the influencer’s apparent authority,<br />

the influencer’s actions and tactics,<br />

and the equity of the result. Undue influence<br />

occurs when one person coerces another into<br />

doing something that results in an unjust<br />

benefit to the influencer. California probate<br />

law presumes undue influence on the part of<br />

a caregiver or “care custodian” who receives<br />

any financial gain (outside of salary) through<br />

their relationship with an elder. As noted, the<br />

law defines a “care custodian” broadly as any<br />

persons who provide care for elders or dependent<br />

adults, whether professional or not.<br />

If you are a senior thinking of making<br />

any Gifts to someone who might be considered<br />

a care custodian, consult with an independent<br />

attorney and obtain a Certificate of<br />

Independent Review. By doing so you will<br />

ensure that what you are giving is a blessing,<br />

not a curse.<br />

Evan L. Smith, Esq. & Mary Gram, Esq.<br />

are attorneys in Messina & Hankin,<br />

LLP’s Temecula Valley office whose practices<br />

include Probate and Trust matters<br />

and related litigation.<br />

Messina & Hankin has a Temecula Valley<br />

Law Office – contact information (951)<br />

894-7332.<br />

JMessina@MessinaHankinLaw.com.


THE VALLEY BUSINESS JOURNAL<br />

<strong>18</strong> www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

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<strong>February</strong> 20<strong>18</strong><br />

No: The Key to a Better Future<br />

EDUCATION<br />

by<br />

by<br />

Drake Levasheff, PhD.<br />

Steve Fillingim<br />

The year is still young, abounding<br />

with possibilities. If you’re like me, that<br />

world of possibilities is one of the great<br />

challenges of life. How do I say no when<br />

there are so many opportunities before<br />

me? At times, my desire for success and<br />

the fear of missing out have pushed me to<br />

say yes to everything that comes my way<br />

and to sort out the consequences later. It<br />

hasn’t always been pretty.<br />

If you share my propensity to say<br />

yes to everything, Apple founder Steve<br />

Jobs’ comments about the importance of<br />

saying no may be instructive: “People<br />

think focus means saying yes to the thing<br />

you’ve got to focus on. But that’s not<br />

what it means at all. It means saying no<br />

to the hundred other good ideas that there<br />

are.” It’s easy to forget that the most profitable<br />

company in world wasn’t always<br />

profitable. When Steve Jobs returned to<br />

Apple in 1997, the company was in dire<br />

straits. One of the more notable decisions<br />

that Jobs made in the year that followed<br />

was to reduce the company’s number of<br />

products from 350 to 10. The elimination<br />

of all but the most vital products helped<br />

to fuel Apple’s growth and innovation in<br />

the years that followed.<br />

Could it be that some of the things<br />

that we say yes to are actually standing<br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

between us and a more fruitful life? As<br />

I reflect on Jobs’ words and the implications<br />

his perspective had for Apple, I<br />

begin to think that no may be the key to a<br />

better future for many of us. If companies<br />

as large as Apple recognize their limits<br />

by saying no to things, shouldn’t we as<br />

individuals do the same? Yet many of us<br />

walk through life pretending that we are<br />

limitless and suffer the consequences,<br />

either failing to produce the results we<br />

want or missing out on treasured time and<br />

connection with those we love.<br />

When we say “no” to those things<br />

that are unimportant or that we don’t<br />

do as well, something else happens: our<br />

highest priorities benefit from greater<br />

energy and have the opportunity to flourish.<br />

It brings to mind the nectarine trees<br />

my family had when I was growing up.<br />

There were times when life was particularly<br />

busy and we didn’t get to pruning<br />

the trees. Those years, the branches grew<br />

long and we had a lot of green leaves, but<br />

very little fruit. The years we pruned back<br />

the growth were altogether different:<br />

the trees were smaller, more compact,<br />

and significantly more fruitful. Those<br />

seasons, the nectarines were incredibly<br />

sweet and we had more than we could<br />

eat!<br />

Are you seeking a fruitful year? Then<br />

join me in saying no to all but the most<br />

important things!<br />

Dr. Drake Levasheff is Senior Director<br />

of Azusa Pacific University’s Murrieta<br />

Regional Campus. He can be reached via<br />

email at dlevasheff@apu.edu.<br />

dlevasheff@apu.edu<br />

Mercedes-Benz Veteran Comes to Temecula<br />

CONTINUED FROM PAGE 1<br />

Chris comes directly from<br />

Fletcher Jones Motorcars, the<br />

Newport Beach flagship store of<br />

the group which announced sales<br />

of over 9,000 vehicles in 2017, and<br />

the #1 Mercedes-Benz dealership in<br />

the nation for 19 consecutive years.<br />

Chris moved to Southern California<br />

from Sydney, Australia in<br />

1993 and has been a valuable team<br />

member at FJ Motorcars for over<br />

25 years, recently filling the roll as<br />

General Sales Manager.<br />

As one of the newest “jewels<br />

in the crown” Mercedes-Benz of<br />

Temecula opened for business three<br />

years ago. Given the robust local<br />

economy, Chris is very encouraged<br />

about the opportunities in the Valley<br />

and according to sources, the<br />

luxury brand dealership has already<br />

exceeded the groups expectations<br />

for growth.<br />

Chris said, “Although Mercedes-Benz<br />

of Temecula has a way<br />

to go to compete with our Newport<br />

store, we’ve created the same 5 Star<br />

luxury experience, attention to detail<br />

and customer focus that has made<br />

our other dealerships so successful”.<br />

Chris is looking forward to living<br />

and working in Temecula and continuing<br />

to support the local community,<br />

as much as possible. He invites<br />

everyone to stop in and say hello and<br />

check out the latest Mercedes-Benz<br />

and Sprinter Van models.<br />

Valentines Celebration for Angel Tree<br />

Children and Needy Families<br />

This event is hosted by Community<br />

Outreach Ministry (COM), Saturday<br />

<strong>February</strong> 10th from 9:00 am – 1:00 pm<br />

at Wellness and More, 25377 Madison<br />

Avenue, Suite 104 in Murrieta (Across<br />

from Walmart, Behind Denny’s).<br />

Free Dental Workshop - Vista Community<br />

Clinic of Lake Elsinore is bringing<br />

their dental bus and invites needy children<br />

and families to receive free dental assessments,<br />

fluoride treatments, sealants and<br />

a report on the findings. Along with free<br />

tooth brush, tooth paste and education for<br />

all ages regardless of insurance type.<br />

Free Caregivers Workshop - A copy<br />

of the Breaking the Cycle of Incarceration<br />

Model and resource lists will be<br />

provided free to Caregivers. The model<br />

and resource lists are for the Children<br />

of Incarcerated Parents, Caregivers and<br />

Incarcerated Parents. These materials<br />

are bound together by authors Dr. Mona<br />

and Bob Davies who co-founded COM.<br />

A mental health and drug and alcohol recovery<br />

counselor/instructor participates<br />

and assists caregivers with how to deal<br />

with the bad things the children may have<br />

been exposed to by their parents.<br />

Free Craft Workshop - All ages are<br />

welcome to learn how to use decoupage<br />

and fabric scraps to create a one-of-akind<br />

craft by story, craft and sewing<br />

19<br />

expert Cynthia Duran of Sewing Stories.<br />

Jennifer Hernandez, an independent<br />

distributor of Herbalife and the owner<br />

of Wellness and More located at 25377<br />

Madison Avenue, Suite 104, in Murrieta,<br />

provides nutritional education and<br />

samples of protein shakes for the event.<br />

The Valentine Celebration is one of<br />

several events COM puts on throughout<br />

the year to help at-risk youth overcome<br />

adversity. In addition to summer camp,<br />

the youth and their families are invited<br />

to an annual Angel Tree Christmas Party.<br />

A special thanks to Janice Hare of<br />

Mt. View Church in Wildomar, for volunteering<br />

with COM year-round, reaching<br />

out to Angel Tree families.<br />

A free E-Waste Recycling Community<br />

Collection Event is being held by<br />

COM on Saturday and Sunday, <strong>February</strong><br />

10-11, 20<strong>18</strong> from 9:00 am – 4:00 pm at<br />

Target Cal Oaks Plaza in Murrieta. Proceeds<br />

from the e-waste fundraiser raises<br />

scholarships to send Angel Tree children<br />

to summer camp “giving kids a second<br />

chance to be winners and champions.”<br />

We welcome you to visit us at www.<br />

communityoutreachministry.org. For details,<br />

call 951-698-7650 or email info@<br />

communityoutreachministry.org.<br />

communityoutreachministry.org


THE VALLEY BUSINESS JOURNAL<br />

20 www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

CELEBRATE<br />

AMERICAN HEART MONTH<br />

Keep your Heart Healthy<br />

Temecula Valley Hospital Earns<br />

4-Star<br />

Medicare<br />

Hospital Compare Rating<br />

Temecula Valley Hospital is making<br />

a name for itself. Not only has TVH<br />

recently won awards for Leapfrog “A”<br />

grades in safety, Top Hospital, and a Top<br />

Workplace in the Inland Empire; 4 Stars<br />

on Medicare Hospital Compare has been<br />

just added to its resume.<br />

Hospital Compare was created<br />

through the efforts of the Centers for<br />

Medicare & Medicaid Services (CMS).<br />

According to the Medicare Hospital<br />

Compare website: “The Hospital Compare<br />

rating summarizes up to 57 quality<br />

measures, reflecting common conditions<br />

that hospitals treat, such as heart attacks<br />

or pneumonia. The overall rating shows<br />

how well each hospital performed, on<br />

average, compared to other hospitals<br />

in the U.S.<br />

The Hospital Compare rating ranges<br />

from one to five stars. The more stars,<br />

the better a hospital performed on the<br />

available quality measures. The most<br />

common overall rating is 3 stars. The<br />

way that Hospital Compare calculates<br />

the star ratings is that survey information<br />

from one hospital is compared to<br />

that from others. More stars indicate<br />

better quality care than fewer stars.”<br />

“I am excited about the recognition<br />

of our 4 Stars on Hospital Compare,”<br />

said Darlene Wetton, CEO, Temecula<br />

Valley Hospital. “Quality, patient expe-<br />

rience and efficiency are very important<br />

to our TVH team values. I am grateful<br />

to our staff and medical team for the<br />

excellent care that we provide to our<br />

community.”<br />

Pranav Kachhi MD, Chief of Staff<br />

for Temecula Valley Hospital, said,<br />

“This is truly a wonderful honor and a<br />

reflection of the exceptional providers<br />

that we have at TVH!”<br />

About Temecula Valley Hospital<br />

- Temecula Valley Hospital brings<br />

advanced technology, innovative programs,<br />

patient centered and family<br />

sensitive care to area residents. The<br />

hospital features 140 private patient<br />

rooms; 24 hour a day emergency care;<br />

advanced cardiac and stroke care;<br />

orthopedics; and general and surgical<br />

specialties. For more information, visit<br />

www.temeculavalleyhospital.com<br />

For more information, please visit<br />

the Medicare Hospital Compare website<br />

at: www.medicare.gov/hospitalcompare<br />

“I am grateful to our<br />

staff and medical<br />

team for the excellent<br />

care that we provide<br />

to our community.”<br />

<strong>February</strong> is American Heart<br />

Month! This is a great time to remind<br />

Americans to focus on their hearts and<br />

encourage them to get their families,<br />

friends and communities involved in<br />

heart healthy activities.<br />

Losing weight is one of the best<br />

ways to keep your heart healthy.<br />

Carrying extra weight takes a toll on<br />

your body and can increase your risk<br />

of heart disease and stroke. One of<br />

the very best things you can do to<br />

keep your heart healthier is to lose<br />

weight – and even a small amount<br />

of weight loss can help. Weighing<br />

less also helps prevent other serious<br />

health problems, such as diabetes<br />

and arthritis, and may improve your<br />

quality of life.<br />

If you need another reason to drop<br />

some excess weight, consider these 3<br />

benefits for your heart:<br />

1. Lower blood pressure. Losing<br />

even just 5-10% of your body<br />

weight can lower your blood<br />

pressure and reduce your risk of<br />

heart attack and stroke. When you<br />

weigh less, your heart doesn’t have<br />

to work as hard to pump blood<br />

throughout your body. This can<br />

help you keep your blood pressure<br />

under control or may allow you<br />

to lower or eliminate medications<br />

you take to manage high blood<br />

pressure.<br />

2. Reduce cholesterol. There’s no<br />

absolute correlation between how<br />

much you weigh and your cholesterol<br />

and triglyceride levels,<br />

but when you lose weight, you’re<br />

more likely to reduce your LDL<br />

(“bad”) cholesterol, increase your<br />

HDL (“good”) cholesterol and<br />

lower your triglycerides. This<br />

means there’s less fat floating<br />

through your blood vessels that<br />

can turn into artery-clogging<br />

plaque.<br />

3. Prevent metabolic syndrome.<br />

Weight loss can lower your risk of<br />

metabolic syndrome, a collection<br />

of conditions that increase your<br />

risk of heart disease, stroke and diabetes,<br />

including high blood sugar,<br />

high blood pressure, abnormal<br />

cholesterol levels and excess body<br />

fat around the waist. Metabolic<br />

syndrome is expected to become<br />

the leading risk factor for heart<br />

disease due to rising obesity rates<br />

in the U.S. (approximately 70%<br />

of U.S. adults are overweight or<br />

obese) and one of the best ways<br />

to avoid or reverse metabolic syndrome<br />

is to lose weight by eating<br />

healthy and exercising.<br />

For heart, stroke and gyn education,<br />

join in the Women’s Health<br />

Expo, put on by Temecula Valley<br />

Hospital and Southwest Healthcare<br />

Systems. This free community event<br />

held at Pechanga Resort and Casino<br />

happens on Wednesday, <strong>February</strong><br />

28th, 10:00 am to 1:30 pm. The expo<br />

includes health screenings, lunch,<br />

community partners, and more! To<br />

register, please visit: www.temeculavalleyhospital.com.<br />

About Temecula Valley Hospital -<br />

Temecula Valley Hospital brings<br />

advanced technology, innovative<br />

programs, patient centered and family<br />

sensitive care to area residents.<br />

The hospital features 140 private<br />

patient rooms; 24 hour a day emergency<br />

care; advanced cardiac and<br />

stroke care in clinical collaboration<br />

with UCSD Health; orthopedics;<br />

and general and surgical specialties.<br />

For more information, visit<br />

www.temeculavalleyhospital.com.<br />

One of the very best things<br />

you can do to keep your heart<br />

healthier is to lose weight –<br />

and even a small amount of<br />

weight loss can help.<br />

temeculavalleyhospital.com


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

What’s So Great About<br />

the Farmer’s Market?<br />

21<br />

As we transition into summer,<br />

someone might mention to you that<br />

they’re so excited about the farmer’s<br />

market getting into full swing again.<br />

For the non-initiated, the farmer’s<br />

market might not sound very exciting.<br />

What’s the big deal about it, anyway?<br />

Is it cheaper? Do people enjoy shopping<br />

outdoors that much?<br />

There are actually numerous<br />

benefits to shopping at your local<br />

farmer’s market, and some people<br />

do just enjoy the atmosphere or find<br />

better deals there. But the number one<br />

reason you should give it a chance has<br />

nothing to do with those things, and<br />

everything to do with your health.<br />

Sure, you can buy tomatoes at<br />

your local grocery store. But do you<br />

know where they were grown? How<br />

long did they sit on a truck, before<br />

arriving in your favorite produce<br />

department?<br />

When you shop at a farmer’s market,<br />

you can purchase fruits and vegetables<br />

straight from the farmer. Often,<br />

they were just picked that morning,<br />

or the afternoon before. That might<br />

explain why farmer’s market veggies<br />

always smell and taste more fresh<br />

than their grocery store counterparts,<br />

which often spend a week or more on<br />

a truck, traveling thousands of miles,<br />

before you purchase them.<br />

The more time produce spends<br />

on a truck, the more its vitamins and<br />

minerals begin to break down. Often,<br />

that trip is spent under refrigeration,<br />

which keeps food from spoiling… but<br />

refrigeration also destroys some of<br />

the vital nutrients contained in fruits<br />

and vegetables!<br />

You’re sure to encounter more organic<br />

options at the farmer’s market,<br />

too – often for a better price than you<br />

will find at the grocery store. That’s<br />

good news for those of you who want<br />

to avoid potentially harmful pesticide<br />

residues or genetically modified<br />

products.<br />

amanteandassociates.com<br />

If you have a hard time convincing<br />

your kids to try new veggies, a trip<br />

to the farmer’s market can be a fun,<br />

educational experience. Often children<br />

are more adaptable to new ideas<br />

when there is an air of excitement<br />

about them. So, take the whole family,<br />

and encourage them to ask questions!<br />

Learning how food is grown usually<br />

fascinates little ones.<br />

And, of course, you’ll be supporting<br />

your local economy! A quick<br />

online search will help you find a<br />

farmer’s market near you. Give it a<br />

try, and you’ll be hooked on fresh,<br />

delicious produce all summer long.<br />

Steve Amante is the owner of Amante<br />

& Associates Insurance Solutions,<br />

Inc. He can be reached at 951-676-<br />

8800 - www.amanteandassociates.<br />

com<br />

“ The number one<br />

reason you should<br />

give it a chance has<br />

nothing to do with<br />

those things, and<br />

everything to do with<br />

your health<br />

Healthy<br />

Living<br />

by presented by<br />

Tina Steve M. Amante Gottlieb, D.C.<br />

Advertise with a proven winner!<br />

(951) 461-0400


THE VALLEY BUSINESS JOURNAL<br />

22 www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

Common Isn’t Always Correct<br />

Healthy<br />

Living<br />

by by<br />

Tina Dr. Derek M. Gottlieb, Albrecht, D.C. D.C.<br />

So, about a month ago I mentioned<br />

that I was starting my low carb Ketogenic<br />

diet. So far so good, as to date I am<br />

down about 12 lbs., never bloated and my<br />

mental clarity is better than ever. Enough<br />

about me, lets finish where we left off last<br />

month regarding cholesterol, fats, statins<br />

and more.<br />

I had mentioned recent evidence that<br />

proves dietary cholesterol intake has little<br />

to no effect on circulating blood cholesterol<br />

levels and that inflammation caused<br />

by certain carbohydrates is a major factor<br />

in cardiovascular disease. The current<br />

guidelines for statin usage recommends<br />

them for anyone with cardiovascular<br />

disease(CVD), anyone with LDL levels<br />

above 190 mg/dl, anyone with diabetes<br />

between 40-75 years of age and anyone<br />

with over a 7.5% chance of a stroke or<br />

heart attack in the next ten years. All of<br />

this comes with claims that statin drugs<br />

can lower cholesterol levels by approximately<br />

30%. It all sounds good looking<br />

at just this fact. Take a closer look and<br />

things change a bit.<br />

A 2010 study by Dr. David Newman<br />

found that statins really only work with<br />

those with prior heart disease, and the<br />

average risk reduction is only 3% at best.<br />

The same study demonstrated statin takers<br />

who had no pre-existing heart disease:<br />

98% had zero benefit at all, 1.5% developed<br />

diabetes as a result of the medication<br />

and 10% developed long term damage to<br />

their muscles. Likewise, an article published<br />

in the Archives of Internal Medicine<br />

demonstrated no change in lifespan<br />

between those on statins vs. non-statin<br />

users. Dr. Sherif Sultan, President of the<br />

International Society for Vascular Surgery<br />

has linked statin usage to increased diabetes,<br />

cataracts, renal failure, liver damage,<br />

depression as well as severe nerve and<br />

muscle damage. Dr. Barbara Roberts of<br />

Brown University has proven that statin<br />

usage with women with no history of<br />

CVD has absolutely zero positive effects<br />

but carries the negative risks.<br />

With roughly fifty percent of users<br />

being female, one has to wonder who<br />

is really benefiting from the drug sales.<br />

Please don’t get me wrong, being that<br />

the absolute risk of having a heart attack<br />

can be as high as 49% in makes and<br />

31% in females with all the risk factors,<br />

CVD is a serious problem which must<br />

be addressed. The point I am trying to<br />

get across is that there are much more<br />

effective methods available for reducing<br />

that risk. We can look at stress reduction<br />

methods, incorporating proper exercise,<br />

correct dietary changes, etc., will all have<br />

a much more profound impact on our<br />

health and longevity than relying on a<br />

medication that has been proven to work<br />

only on a specific target group and with<br />

success rates of only 3%.<br />

So much misinformation has been<br />

ingrained in our minds over the decades,<br />

it is difficult to open our minds to new<br />

things. Take the food pyramid we grew<br />

up with in school. Heavy emphasis on<br />

grains and only a sprinkling of fat at the<br />

top. It’s no wonder our countries population<br />

is exponentially increasing its rates of<br />

obesity and diabetes. Don’t be afraid to<br />

look outside the historic box and search<br />

for yourself the many new and wonderful<br />

ways to get and stay healthy and happy.<br />

I will keep you up to date on how my<br />

Keto experiment is going as it applies to<br />

weight management, energy, focus and<br />

blood chemistry markers. So, until we<br />

meet again, have a great month.<br />

Dr. Derek K. Albrecht D.C. is a partner<br />

at OsteoStrong in Murrieta as well as<br />

continuing in his private practice. For<br />

more information, call (951) 461-9584.<br />

‘Building Your Enduring Fitness’ Book<br />

Lisa Teresi Harris announces<br />

the publication of her upcoming<br />

book Building Your Enduring Fitness.<br />

Lisa is an author, international<br />

speaker, Registered Dietitian and<br />

Fitness Professional. A member<br />

of the Academy of Nutrition and<br />

Dietetics, American Council on<br />

Exercise, and American College<br />

of Sports Medicine, she has been<br />

published in Shape Magazine,<br />

Men’s Fitness, and The North<br />

County Times.<br />

Lisa is the owner of Enduring<br />

Fitness 4U, an award-winning<br />

business in which she<br />

has helped hundreds of Baby<br />

Boomers and older adults get<br />

stronger and more independent<br />

through strength training and<br />

nutrition coaching.


<strong>February</strong> 20<strong>18</strong><br />

Oxygen Facials<br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

23<br />

Our clients are always looking for<br />

a facial that will make them look great<br />

before a big event or vacation. Oxygen<br />

Facials are meant to deliver fabulous<br />

results immediately.<br />

In an Oxygen Facial, a pressurized<br />

stream of oxygen delivers active<br />

ingredients to the skin. These active<br />

ingredients are potent collagen infused<br />

brightening serums that plump the skin<br />

and give a gorgeous glow. The idea is<br />

that the oxygen enhances the absorption<br />

of the serums so your get more benefits<br />

from the ingredients. Oxygen is also naturally<br />

antibacterial and has a calming,<br />

cooling effect.<br />

Oxygen Facials also help with<br />

those who suffer from dehydrated skin,<br />

eczema, rosacea, and psoriasis. These<br />

skin concerns are difficult to cover, but<br />

this facial creates the perfect canvas for<br />

makeup application. When your skin is<br />

dry, your makeup lies on top of it and it<br />

doesn’t look natural. After an Oxygen<br />

Facial your makeup looks like second<br />

skin since the skin is firmer, smoother,<br />

and hydrated.<br />

These results make this the ideal<br />

facial for bride’s right before their big<br />

day. Celebrities have also taken a liking<br />

to this facial and it is now referred to<br />

as the “Red Carpet Facial”. Madonna<br />

even travels with her own oxygen facial<br />

machine!<br />

We just started offering Oxygen<br />

Facials at Murrieta Day Spa and our<br />

estheticians have been loving the results!<br />

It’s a great facial to add to your<br />

skin care routine. This non-invasive<br />

service is designed to help you look<br />

well-rested. Who doesn’t want that? So,<br />

the next time you want to look refreshed<br />

consider an Oxygen Facial on your next<br />

spa visit!<br />

Monique deGroot is the owner of Murrieta<br />

Day Spa which is located at 4<strong>18</strong>85<br />

Ivy St. in Murrieta.<br />

Healthy<br />

Living<br />

by<br />

Tina Monique M. Gottlieb, deGroot D.C.<br />

“<br />

Celebrities have also taken a liking to this<br />

facial and it is now referred to as the “Red<br />

Carpet Facial”. Madonna even travels with<br />

her own oxygen facial machine!<br />

EDC Golf Tournament Partners with Loma Linda NICU<br />

The recently re-branded “ForeFront Regionals” is slated for April 27<br />

The Economic Development Coalition<br />

of Southwest Riverside county<br />

has re-branded its golf tournament into<br />

the ForeFront Regionals and will premiere<br />

the event in April. Loma Linda<br />

University Medical Center, Murrieta’s<br />

neonatal intensive care unit, will be the<br />

first beneficiary of ForeFront.<br />

Co-Chairs of the event are Raj<br />

Narayanan, General Manager of the<br />

Lake Elsinore Storm; and Erik Mc-<br />

Leod, First VP Pacific Premier Bank.<br />

Together with EDC Director Doug<br />

McAllister, they are building an event<br />

focusing on international and corporate<br />

leaders seeking to find out more<br />

about the area.<br />

While not new, the EDC’s golf<br />

tournament has been re-branded to<br />

better communicate what the event is<br />

all about. It is not focused entirely on<br />

fund raising, but rather on spotlighting<br />

the area that encompasses the five-city<br />

region and includes Lake Elsinore,<br />

Menifee, Murrieta, Temecula and<br />

Wildomar.<br />

“Our goal at the EDC is to enhance<br />

business retention and economic<br />

growth,” said McAllister. “We’re building<br />

platforms on which new business<br />

may develop; offering a rich atmosphere<br />

for job creation and expanding the<br />

competitive position of the regional<br />

businesses in a global economy. The<br />

golf tournament is just one way of presenting<br />

our amazing region to others.”<br />

The event is a marketing opportunity<br />

for the region, and brings new interest<br />

to the region yearly.<br />

Held at Pechanga’s Journey golf<br />

course, the event will feature <strong>18</strong> holes<br />

in a world-class setting. Every hole is<br />

completely different, running the gamut<br />

of forced carries, fabulous vistas and<br />

numerous elevation changes. The 72-<br />

par, award winning golf course is where<br />

stunning terrain meets the challenge<br />

of links created by one of the world’s<br />

premier course designers.<br />

Golfers will participate in a 10:00am<br />

shotgun start and a 3:00 happy hour with<br />

dinner to follow. There will be raffle and<br />

auction opportunities.<br />

“We’re excited to showcase all the<br />

opportunity this region has to offer:<br />

technical, medical, and development<br />

progress put us at the forefront of<br />

economic growth. We, as a region, are<br />

embracing innovation and ForeFront<br />

speaks to the dynamic opportunities this<br />

area has created,” said McLeod.<br />

This year the EDC has decided to<br />

choose one not-for-profit organization<br />

to benefit from the golf tournament and<br />

asked Loma Linda University Medical<br />

Center, Murrieta to partner with them.<br />

Response was quick and grateful. A<br />

portion of the proceeds will help benefit<br />

the new Neonatal Intensive Care Unit.<br />

“We are so honored to be chosen as<br />

the first non-profit partner for this year’s<br />

EDC Golf Tournament. Every day we<br />

are incredibly blessed to see how the<br />

generosity of our community helps to<br />

change the lives of patients at Loma<br />

Linda University Health and to create<br />

healthier tomorrows,” said LLUMC’s<br />

Sr. VP & Administrator, Peter Baker.<br />

“Adding to our hospital’s complete<br />

birthing experience by serving<br />

babies in need of a higher level of care<br />

is an important step as we strive to be<br />

the leading destination for advanced<br />

health care services in southwest Riverside<br />

County,” he said.<br />

The six-bed Level II NICU will be<br />

staffed by neonatal experts from Loma<br />

Linda University Children’s Hospital<br />

– one of the most renowned children’s<br />

hospitals in southern California.<br />

For more information on the April<br />

27th event, please see the website,<br />

Forefrontregionals.com. Or, feel free<br />

to call the EDC office at 951-694-<br />

9800. Sponsorship opportunities are<br />

now available.


www.TheValleyBusinessJournal.com<br />

THE VALLEY BUSINESS JOURNAL<br />

24 <strong>February</strong> 20<strong>18</strong>


<strong>February</strong> 20<strong>18</strong><br />

No End in Sight?<br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

25<br />

REAL ESTATE<br />

by by<br />

Gene Steve Wunderlich Fillingim<br />

Well, we’re in the home stretch of 2017<br />

and we’re just kind of coasting through the<br />

next few weeks, down a gentle slope applying<br />

neither gas nor brakes. Kind of like when<br />

you were in college and too broke to buy gas<br />

so you saved a few pennies by free-rolling<br />

your car whenever you could. (Or was that<br />

just me?) With the possible exception of<br />

Congressional Republicans, there’s no sense<br />

of urgency right now. Let’s get through this<br />

year and see what 20<strong>18</strong> brings. Depending<br />

on what H.R.1. finally looks like, and which<br />

‘expert’ you listen to, the housing market will<br />

either be a little better, a little worse, or about<br />

the same next year. I agree.<br />

Regardless, we’ll still be facing a<br />

housing shortage of staggering proportion<br />

in California - about 1 million units short<br />

of what’s needed over the past decade. Our<br />

region currently leads the state in construction<br />

job growth right now so that means our<br />

cities are addressing the issue. Thank you.<br />

I know it’s a balancing act between adding<br />

more residents, keeping traffic moving, and<br />

bringing in more commercial base and jobs,<br />

but our region appears to be doing a far better<br />

job than many parts of the state.<br />

We’re finally starting to see an influx of<br />

those long-anticipated Millenial buyers moving<br />

into the market. Economists have been<br />

predicting this wave for the past five years<br />

and the leading edge of that wave started in<br />

2017, albeit with a trickle rather than a flood.<br />

That’s probably good news because with the<br />

constrained inventory, a flood of new buyers<br />

would simply force prices into an even steeper<br />

appreciation incline which would, in turn,<br />

eliminate many of those new buyers from the<br />

market. In 2017, first-time buyers held steady<br />

at 34% of the market nationwide, (-30% in<br />

CA), but that’s well under the 40% historical<br />

rate considered to be a ‘normalized’ market.<br />

It should come as no surprise that if you’re a<br />

millennial living in California, buying your<br />

first home doesn’t come any harder, according<br />

to a recent survey. California ranked as<br />

the toughest state in the nation for first-time<br />

home buyers.<br />

Closer to home, November sales were<br />

a little more lackluster than anticipated. Not<br />

only were sales down 11% month-overmonth<br />

(941 / 837), they were down 14%<br />

from last November. Based on pending sales<br />

in the pipeline for December, my prediction<br />

of 12,000 sales for the region this year may<br />

be a bit rosy. We should still finish the year<br />

slightly ahead of last year, but by a slim<br />

margin of 2% of less.<br />

But while sales are definitely slowing<br />

toward year-end, prices continue their upward<br />

trajectory rising another 1% monthover-month<br />

and maintaining a 7% lead<br />

year-to-date over 2016. Our regional price<br />

appreciation is slightly better than the state<br />

median increase of 6.1%, while our median<br />

price remains nearly $200,000 below<br />

the state median (CA: $546,430 / SWCA:<br />

$350,009). Price stratification is forcing<br />

buyers out of coastal and urban core areas<br />

to more affordable inland areas. That same<br />

stratification prompts buyers who may find<br />

themselves priced out of local markets like<br />

Temecula and Murrieta to find their dream<br />

home in Menifee, Perris and Hemet.<br />

Inventory continues to be the sticking<br />

point, dropping another 7% month-overmonth<br />

and declining 22% from last year.<br />

Our inventory has been on an almost steady<br />

decline. Since hitting peaks of 2,500+ units<br />

back in mid-2015, it’s just 1,6<strong>18</strong> units today.<br />

It doesn’t take a math major to figure out<br />

that if your inventory has been dropping for<br />

the past three years while sales have been<br />

increasing, you’re exerting upward price<br />

pressure as demand continues to outstrip<br />

supply. The statewide Housing Affordability<br />

Index (HAI) fell to 29% last month, meaning<br />

just 29% of our residents could afford a<br />

median price home in the state! Our region<br />

currently enjoys a 39% HAI, which isn’t<br />

great but better than most. Across the region<br />

we’ve got just a 1.9 month supply of homes<br />

for sale, which is less than the 3 month supply<br />

statewide, and homes are flying off the<br />

market at a median time of 22.2 days.<br />

IF some forecasts are accurate, that enactment<br />

of H.R.1 slows demand and drops<br />

prices by some percent, maybe that will<br />

provide the breathing room our communities<br />

need to get ahead of the housing curve and<br />

infrastructure demand. I am very doubtful<br />

that the bill will have any negative impact<br />

on the housing market and will continue to<br />

suggest that SUPPLY = SOLUTION! Wishing<br />

you a healthy and prosperous New Year!<br />

Gene Wunderlich is the Government Affairs<br />

Director for Southwest Riverside County<br />

Association of Realtors. If you have questions<br />

on the market, please contact me at<br />

GAD@srcar.org or to keep up with the latest<br />

legislative and real estate trends go to http://<br />

gadblog.srcar.org/.<br />

EXECUTIVE PROFILE | Sally and Gary Myers<br />

Since Valentine’s Day is, after all, a time<br />

that brings to mind love, caring and special<br />

relationships, it seems appropriate to take<br />

a look at a love story that really has sizzle.<br />

It’s one that has roots from high school and<br />

has matured and grown into a partnership<br />

of not only true love but a unique business<br />

relationship as well.<br />

When Gary Myers and Sally Williams attended<br />

Torrance High School back in the early 70’s, they<br />

clearly had their eye on one another, yet at the time<br />

had no idea that their future was going to turn into a<br />

life-long love affair.<br />

Sally is the daughter of a successful restaurant<br />

family. Her parents, Jack and Linda Williams are<br />

known in the Temecula Valley with their Richie’s Real<br />

American Diner restaurants. While Sally was in high<br />

school and college, her parents were Sizzler restaurant<br />

franchisees. Gary is an identical twin whose parents<br />

taught their five children the value of having a strong<br />

work ethic. Gary learned the art of goal setting and<br />

accomplishing his ambitions. As time would soon tell,<br />

Sally Williams was one of those lifetime objectives.<br />

After high school, Gary and Sally attended college<br />

hundreds of miles apart from each other. Sally<br />

attended the University of Alabama in Tuscaloosa and<br />

Gary attended El Camino College and transferred to<br />

Long Beach State to study business. Eventually, Sally<br />

decided to return home and graduated from Pepperdine<br />

University in Malibu. One of Sally’s greatest<br />

memories of being away at college in Alabama was a<br />

stunning poster of a beach sunset that Gary sent her.<br />

It was about 2’ by 3’ and filled corner to corner with<br />

an inspirational love letter. The crazy thing was that<br />

he wrote so small that it took hours for her to read it.<br />

“It was the nicest letter ever written to me and I loved<br />

it” she said.<br />

As Gary continued his college studies and moved<br />

up in management in the grocery business, Sally enjoyed<br />

being a cheerleader at Pepperdine. Sally was<br />

caught off guard on a fall afternoon when Gary showed<br />

up and proposed in front of the entire Pepperdine<br />

Cheerleading Squad. Her answer was an enthusiastic<br />

“YES”. They were married in May 1977.<br />

After a few months of marriage, Sally’s father encouraged<br />

Gary to join his Sizzler restaurant company.<br />

The hospitality business was the perfect fit for Gary,<br />

and he quickly became one of his father-in-law’s most<br />

committed and successful managers. Sally also joined<br />

her father’s organization and became their Community<br />

Relations Coordinator. Sally and Gary assisted her father<br />

in opening about 30 of his 36 Sizzler restaurants in<br />

Southern California. Sally’s parents eventually retired<br />

from Sizzler and founded Richie’s Real American Diner<br />

26 years ago.<br />

Today, Gary and Sally have their own Sizzler franchise<br />

where they operate 23 Sizzler restaurants from San<br />

Diego to the Sacramento area. Their first Sizzler was<br />

opened in November of 1983 in Temecula where they<br />

proudly call home. They became a licensee of Richie’s<br />

Diner in Rancho Cucamonga in 2007 and enjoy being<br />

involved in this original concept founded by Sally’s<br />

parents . While their three children attended college at<br />

Baylor University in Waco, Texas, Gary and Sally fell<br />

in love with Texas Roadhouse. After several years, they<br />

were instrumental in bringing this great concept to the<br />

Southern California communities of Menifee and Corona<br />

as a strategic joint venture partner. It’s evident that<br />

Sally’s parents have been strong mentors in their lives<br />

where they all receive great satisfaction and pleasure by<br />

serving great food to their great guests. This heart of<br />

service is the living legend to their family.<br />

Temecula has been such a blessing to the Myers.<br />

It’s the town of their early family beginnings, where<br />

their family business started, established countless relationships<br />

with their guests, including church fellowship<br />

and longtime friendships. Gary and Sally have three<br />

grown children who attended Calvary Chapel Christian<br />

School in Murrieta and the Linfield Christian School in<br />

Temecula. Bryce, their oldest child, works in the hospitality<br />

business with his consulting company, Legendary<br />

Restaurants, Inc. as a real estate broker, developer and<br />

advisor to the family business. Their daughter Brenna<br />

is Manager of Special Events at Estancia Resort & Spa<br />

in La Jolla, and their daughter Britney is a teacher at<br />

Lakeland Christian School in Louisville, TX. They<br />

have four adorable grandchildren that love camping and<br />

jeeping with their Papa and Nana.<br />

As the Myers look back at nearly 41 years of marriage,<br />

family and business, their lives truly turned into a<br />

love story titled “A Marriage Made to Sizzle.”<br />

Sally and Gary’s favorite picture -<br />

first visit to Alabama in July 1973<br />

Sally and Gary in their New Generation<br />

Sizzler in 2017<br />

“A Marriage Made to Sizzle”


THE VALLEY BUSINESS JOURNAL<br />

26 www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

EXECUTIVE PROFILE | Tim Freese<br />

Born in San Diego and raised in the El Cajon area, east<br />

of San Diego. Like Temecula several years ago, El Cajon<br />

was at a time when it was a safe family community<br />

that was starting on a course of growth that was fueled<br />

by lower priced housing and new retail and service<br />

industries. I fondly remember summers when my mom<br />

would boot me out of the house in the morning and<br />

I wouldn’t return until near sundown. Soon, houses,<br />

schools and businesses occupied many of the open<br />

fields I would conquer each year.<br />

Affiliations<br />

Like so many of us, job opportunities in Temecula<br />

brought my family and me to the area and soon, it<br />

was the community that helped keep us here. I have<br />

had the pleasure of serving as a board member and<br />

Chairman with the Murrieta Chamber of Commerce<br />

and membership and board positions with the Temecula<br />

Sunrise Rotary Club and Canine Support Teams. I’ve<br />

enjoyed being an active volunteer for the Boy and Girls<br />

Club and their annual Our Kids Rock auction, Susan<br />

G. Komen Race for the Cure, and other community<br />

support organizations. I presently serve as the bank’s<br />

representative with the Economic Development Coalition<br />

of Southwest Riverside County.<br />

Resume<br />

Prior to coming to the Temecula area in 1996, I was<br />

employed with San Diego Trust and Savings Bank,<br />

reaching the position of as First Vice President of Loan<br />

Quality until the Bank’s sale to First Interstate Bank.<br />

In my earlier banking days I served on the Board of<br />

Directors for the San Diego Chapter of the Commercial<br />

Lending Risk Management Association and taught<br />

several banking related classes for them and other local<br />

and national organizations. From this, I served as a<br />

member of the Risk Management Association National<br />

Training Advisory Committee.<br />

Banking has been my career and for the past 40 plus<br />

years I have been involved with positions relating to<br />

staff training and development, commercial lending,<br />

credit management, and problem loan management.<br />

For the past 21 years, I’ve worked with Temecula<br />

Valley businesses in providing deposit and lending<br />

solutions with an emphasis in commercial real estate<br />

lending and business lines of credit. Currently, I serve<br />

as Senior Vice President and Temecula Regional Manager<br />

at AltaPacific Bank in Temecula.<br />

I graduated from San Diego State University with a<br />

Bachelor’s Degree in Finance and have completed<br />

numerous professional development courses in underwriting,<br />

compliance, legal remedies, negotiations, etc.<br />

My wife Lori and I reside in Temecula and our two<br />

daughters have flown the coop and have blessed him<br />

with great spouses and 8 wonderful grandchildren.<br />

Business Philosophy<br />

Early on it was impressed upon me that excellent customer<br />

service was essential for success in business.<br />

That seems to be a universal truth in business and needs<br />

to be embraced by businesses and their staff.<br />

Goals<br />

To finish the race.<br />

Tim Freese<br />

Share your expertise<br />

People are looking for what you know.<br />

Write articles for The Valley Business Journal<br />

and be the expert in your field.<br />

Contact publishertvbj@verizon.net for more information.<br />

TAKING CONTROL OF YOUR CAREER<br />

CONTINUED FROM PAGE 1<br />

Remember too that you are responsible<br />

for your career, not your manager<br />

or company. Here are four steps to help<br />

in writing a career plan designed for you.<br />

Step 1 - Self-Discovery. Look<br />

within your company and identify job<br />

roles that are of interest. Search outside<br />

the company and see what is available.<br />

Sites such as Monster and Dice can<br />

help with this exercise. Finally write<br />

down your passions and jobs you always<br />

wanted but have never been able<br />

to obtain. This will get you going the<br />

right direction.<br />

Step 2 - Take inventory of what<br />

skills you currently possess. Make one<br />

list of skills you own and are specific<br />

to your current career. A second can<br />

contain “transferable” skills that would<br />

be applicable on any path. This might<br />

include communication, people and<br />

management skills. Be sure to think<br />

about what you would be willing to<br />

sacrifice financially and even relocation<br />

opportunities. Armed with your inventory<br />

decide on a target position and list<br />

out gaps between you and that role.<br />

Step 3 - Once you have that information<br />

you’re ready to move to step<br />

three and write your job plan that<br />

contains your objective and what it<br />

will take to get you there whether it be<br />

training, certifications or experience.<br />

Use the 70/20/10 development model as<br />

a guideline where 70% of your development<br />

is through experiential methods<br />

such as volunteering, professional<br />

organizations and knowledge forums<br />

found on websites like LinkedIn. 20%<br />

of development can be obtained through<br />

relationships that might include mentoring<br />

programs, job sharing, alumni<br />

associations and just talking to people<br />

who are already doing the work. The<br />

last 10% is formal classroom or online<br />

training.<br />

Step 4 - Execute the plan. Take<br />

advantage of online training, community<br />

colleges and resource material. As<br />

you act on your plan but sure to revisit it<br />

regularly and revise as necessary. Some<br />

deviation from the plan can be expected<br />

but your objective of a new job should<br />

remain the same. By next year you<br />

could be at a new level in your career.<br />

Ted Saul is a business coach and<br />

writer that assist with Business Plans<br />

and Project Management. He holds a<br />

master certificate in project management<br />

and has earned his MBA from<br />

Regis University. Ted can be reached<br />

on LinkedIn, TedS787 on Twitter or<br />

emailing Ted@tsaul.com.<br />

by<br />

by<br />

Ted Saul,<br />

Steve Fillingim<br />

Sr. Staff Writer


<strong>February</strong> 20<strong>18</strong><br />

Temecula Mayor Matt Rahn APPOINTED<br />

CONTINUED FROM PAGE 1<br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

27<br />

“The Department received hundreds<br />

of qualified applications for the committee<br />

and reviewed all of them during the<br />

selection process,” said Grafilo. “These<br />

individuals represent the diverse backgrounds<br />

of California and the cannabis<br />

industry and have the necessary experience<br />

to make the Committee successful.”<br />

Temecula Mayor Matt Rahn states,<br />

“Cannabis is an important topic among<br />

many communities in California, and it is<br />

important that we continue to include the<br />

local government perspective. I look forward<br />

to discussing issues such as public<br />

safety and education with my Committee<br />

colleagues to help guide the development<br />

of statewide cannabis regulations.”<br />

The Committee is scheduled to meet<br />

every other month in 20<strong>18</strong> and will<br />

assist in the development of rules and<br />

regulations for the 20<strong>18</strong> rollout of a legal<br />

adult-use cannabis market in California,<br />

emphasizing public health and safety, and<br />

reduction of illegal commerce. For more<br />

information about the Cannabis Advisory<br />

Committee, please visit http://www.bcc.<br />

ca.gov/about_us/committee.html.<br />

“<br />

“Cannabis is an important topic among<br />

many communities in California, and it is<br />

important that we continue to include the<br />

local government perspective. I look forward<br />

to discussing issues such as public safety<br />

and education with my Committee<br />

colleagues to help guide the development<br />

of statewide cannabis regulations”<br />

Technology Trends – CryptoCurrency<br />

TECHNOLOGY<br />

by<br />

by<br />

Tristan<br />

Steve Fillingim<br />

Collopy<br />

Bitcoin, and other so-called cryptocurrency<br />

has been the subject of much<br />

recent news—largely due to the dramatic,<br />

and some would argue, unsustainable<br />

increase in price. Although this new<br />

form of currency has many investors<br />

and speculators excited, savvy business<br />

owners should be wary.<br />

Many of you reading this are probably<br />

asking yourselves a similar question:<br />

what is Bitcoin? Bitcoin is what is<br />

known as cryptocurrency. The concept is<br />

a relatively simple one, but the practical<br />

implementation is anything but. Essentially,<br />

the idea behind cryptocurrency is<br />

that it provides an anonymous method<br />

of payment for digital transactions. This<br />

system relies on an algorithm, SHA-256,<br />

to generate a hash. Computers generate<br />

Bitcoin, a process called mining, by performing<br />

millions of calculations with this<br />

algorithm. In the early days of Bitcoin, it<br />

was relatively simple to generate, but as<br />

usage has expanded, scarcity is built into<br />

the system as the algorithmic calculations<br />

used to generate Bitcoins become increasing<br />

complex. Bitcoins are stored in<br />

a wallet—an application that allows users<br />

to authenticate into their account and<br />

utilize their acquired or mined Bitcoins<br />

to make anonymous purchases online.<br />

The anonymity built into Bitcoin was<br />

the chief aspect of the cryptocurrency that<br />

has many regulators, and members of law<br />

enforcement worried. By allowing online<br />

transactions to be entirely anonymous,<br />

this line of reasoning holds, facilitates<br />

illegal activity. Although this may be an<br />

unpreventable consequence of Bitcoin,<br />

its proponents argue that this is merely a<br />

byproduct of cryptocurrency, much the<br />

same way that physical currency can be<br />

used for illegal activity.<br />

Recently however, new concerns<br />

have risen concerning cryptocurrency,<br />

and Bitcoin specifically—runaway speculation.<br />

The value of Bitcoin has risen<br />

tremendously in its short history. In July<br />

of 2010, one Bitcoin was worth approximately<br />

$0.08. On December 15th, 2017,<br />

one Bitcoin was worth $17,500. As of<br />

this article’s writing, the value has fallen<br />

precipitously, to approximately $10,000.<br />

This seemingly runaway speculation has<br />

many of the hallmarks of the DotCom<br />

Bubble of the 1990s.<br />

If you are interested in learning<br />

more about Bitcoin, the potential for<br />

investment, and what can be purchased<br />

with cryptocurrency—it is exceedingly<br />

important to be informed. Bitcoin and<br />

other cryptocurrency is still in its infancy;<br />

the savvy business owner would do<br />

well to make an informed, and cautious<br />

decision about whether to begin investing<br />

in or accepting Bitcoin.<br />

Mythos Technology is an IT consulting<br />

and management firm that provides<br />

Managed Services including hosted<br />

cloud solutions. For more information,<br />

please visit www.mythostech.com or call<br />

(951) 813-2672.


THE VALLEY BUSINESS JOURNAL<br />

28 www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

Temecula Sunrise Rotary Club to Hold Music Competition<br />

High school musicians in the<br />

Temecula Valley can win cash prizes<br />

at the annual Rotary Music Competition.<br />

The Temecula Sunrise Rotary<br />

Club will hold its 19th annual Music<br />

Competition on Monday, <strong>February</strong><br />

5th at 6:30 pm at Grace Presbyterian<br />

Church, 31143 Nicolas Road,<br />

Temecula. Serious musicians from<br />

local high schools or home-schooled<br />

students are invited to apply. This is<br />

an opportunity for young musicians<br />

to win cash prizes, to perform for an<br />

appreciative audience, to enhance<br />

their future careers, and to have the<br />

opportunity to go on to the finals for<br />

more cash prizes. For information<br />

about registration for the competition,<br />

please call 951-698-6116.<br />

The public and family members<br />

of the musicians are invited to the<br />

Temecula Sunrise competition, and<br />

admission is free. With the high quality<br />

of the talent in the Temecula area,<br />

this is always a wonderful concert for<br />

everyone.<br />

There are three categories of<br />

musical presentations: vocal (classical<br />

or Broadway), piano, and other<br />

instrumental. First place prize is<br />

$400, second $250, and third $100,<br />

all regardless of category. The club<br />

winners will go on to the Rotary<br />

District 5330 finals at the University of<br />

Redlands, and winners of those contests<br />

in each category will be awarded $1,000<br />

for first place, $500 second place, and<br />

$250 third place.<br />

Many of the more than 60 Rotary<br />

clubs in District 5330, encompassing<br />

all of Riverside County and much of<br />

San Bernardino County are also participating<br />

in this year’s competition.<br />

Other local Rotary clubs are holding<br />

competitions. These include Murrieta,<br />

Temecula Noon Rotary and Lake Elsinore,<br />

Wildomar and Hemet. Advance<br />

registration is required for all competitions.<br />

For dates and contacts, please<br />

call 951-698-6116.<br />

Temecula Sunrise Rotary Club<br />

meets every Tuesday, 7:30 am at Journey’s<br />

End at Pechanga, 45000 Pechanga<br />

Parkway, Temecula. The club’s main<br />

community project each year is the<br />

annual Safety Town for children 5-8<br />

years of age, to be held in June. The<br />

2017 Safety Town will be the club’s<br />

16th annual event. The club’s primary<br />

fund-raising event is the 10K Run<br />

through the Vineyard, to be held at<br />

Maurice Car’rie Vineyard and Winery<br />

on Saturday, April 28. The run will be<br />

the 31st annual event that Temecula<br />

Sunrise has sponsored. Registrations<br />

are now open. For more information<br />

about the club, Safety Town, and the<br />

10K, log on to the club website, www.<br />

temeculasunriserotary.com.<br />

Rotary International is a worldwide<br />

humanitarian service organization with<br />

more than 1.2 million members in more<br />

than 200 countries and geographical<br />

areas. Founded in 1905 in Chicago,<br />

Rotary members are business and<br />

professional leaders united worldwide<br />

to provide humanitarian service, encourage<br />

high ethical standards in all<br />

vocations and help build good will<br />

and peace in the world. For information<br />

about membership in Rotary,<br />

call Marti Treckman at 951-698-6116.


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

29<br />

JDS Creative Academy<br />

Presents 2nd Annual Digifest<br />

JDS Creative Academy is excited<br />

to announce their second annual DI-<br />

GIFEST 20<strong>18</strong> to take place April 13th<br />

14th & 15th at JDS Studios on 28069<br />

Diaz Rd in Temecula, as well as other<br />

key locations in Temecula seeking<br />

Creative Digital Media Submissions<br />

from Students, Amateurs, and Digital<br />

Professionals.<br />

This festival features all things<br />

digital including film, video, animation,<br />

music, games, photography,<br />

graphics and comics. Any media,<br />

which is designed digitally or enhanced<br />

digitally, is qualified for the<br />

event and competition. Students are<br />

especially encouraged to submit their<br />

work. Entrant categories begin at age<br />

ten years old and go through adult,<br />

with student, amateur and professional<br />

categories. Fees are nominal and the<br />

entry deadline is March 31st.<br />

Digifest includes featuring renowned<br />

guest speakers from the digital<br />

media field; creating thought-provoking<br />

special presentations and workshops<br />

that will take place throughout<br />

the weekend, along with screenings,<br />

digital exhibits, and expo vendors.<br />

The event concludes with an awards<br />

dinner held at Temecula City Hall<br />

conference center.<br />

Confirmed speakers include Key<br />

Note, John Corser from NBC/Universal,<br />

Disney Animation Developer<br />

Mike Morris, Cartoon Network Animators<br />

Justin and Josh Parpan, and<br />

Creative Suite Trainer David Creamer<br />

who will present an Adobe After Effects<br />

workshop. (More names still to<br />

be released) The event will also feature<br />

a special presentation of the film<br />

Marsha Hunt’s Sweet Adversity: The<br />

Documentary.<br />

Community support for this event<br />

includes: Mt. San Jacinto College,<br />

Abbott Vascular, The Geek Store,<br />

JDS Video & Media Productions,<br />

Inc., The City of Temecula, DCH<br />

Auto Group Temecula, Alta Pacific<br />

Bank, Lake Elsinore Storm, Temecula<br />

Valley Chamber of Commerce, The<br />

Economic Development Commission,<br />

The Law Offices of Rosenstein<br />

& Associates, Verily Imagery, The<br />

Valley Business Journal, Neighbors<br />

Newspaper, Murrieta Chamber of<br />

Commerce, and Starway Productions.<br />

JDS Creative Academy is still offering<br />

sponsorship opportunities and<br />

all donations are 100% tax deductible.<br />

Interested sponsors, speakers, and<br />

entrants can contact us via digifesttemecula.org<br />

or call 951.296.6715. Entry<br />

forms are available online. Media<br />

Contact: Diane Strand 951-296-6715<br />

ABOUT Digifest & JDS CRE-<br />

ATIVE ACADEMY - Digifest Temecula<br />

is created by JDS Creative<br />

Academy a nonprofit 501c3 organization<br />

in Temecula, servicing the entire<br />

Temecula Valley and surrounding<br />

regions with a mission to inspire,<br />

educate, and enhance achievement in<br />

workforce development by providing<br />

job skills and hands on training in<br />

industries of visual, performing and<br />

digital arts.<br />

JDSCA works with Foster and<br />

“At Risk Youth, Autistic Young<br />

Adults, and Mainstream youth and<br />

adult populations creating a cross<br />

collaborative enrichment workforce<br />

training and creative environment.<br />

The mission of the 501c3 nonprofit<br />

JDS Creative Academy is to advance<br />

education and training in the arts; theatre,<br />

music, creative writing, fine art,<br />

digital art, and production art. JDSCA<br />

classes and programs fulfill the Visual<br />

and Performing Arts (VAPA) requirements,<br />

per the California Education<br />

Standard, and collaborate to enhance<br />

the CTE pathway to the home school,<br />

online school, traditional school,<br />

higher education schools, and trade<br />

school populations. By providing an<br />

opportunity to gain creative enrichment,<br />

self-confidence, leadership,<br />

and collaborative skills, our students<br />

can obtain the expertise needed to<br />

advance to higher arts’ education and<br />

prosper in a competitive marketplace.<br />

For more information on JDSCA<br />

go to www.jdscreativeacademy.org,<br />

contact via email info@jdsca.org, or<br />

phone 951 296-6715.<br />

info@jdsca.org


THE VALLEY BUSINESS JOURNAL<br />

30 www.TheValleyBusinessJournal.com<br />

<strong>February</strong> 20<strong>18</strong><br />

Temecula’s Community Services<br />

Department Hosts Basketball Tournament<br />

You got game? Throw together<br />

some ballers to come out and show<br />

Temecula what you have got! The City<br />

of Temecula Community Services Department<br />

is hosting the inaugural 3 vs.<br />

3 March Madness Basketball Tournament.<br />

Make a fast break for the Patricia<br />

H. Birdsall Sports Park (32380 Deer<br />

Hollow Way) on Saturday, March 24th.<br />

This new annual tournament is<br />

double elimination style and consists<br />

of ‘three on three’ half-court basketball<br />

games with a maximum of four players<br />

per team. All participants receive an<br />

event T-shirt. Prizes awarded to the first<br />

and second place teams in each division.<br />

Team fees are as follows: Adults<br />

(19-29) & Masters (30+) $100 Teens<br />

(14-<strong>18</strong>) $ 60. A Free Throw Shot Contest<br />

will be held for $5 per participant and<br />

there will be a DJ playing music at the<br />

event. Space is limited, so start rounding<br />

up your All-Star Team today!<br />

Registration and tournament information<br />

is available at www.TemeculaCA.gov/Sports.<br />

Teams may begin<br />

registering on Monday, <strong>February</strong> 1st.<br />

Please call (951) 694-6480 or visit<br />

www.TemeculaCA.gov/Sports for more<br />

information.<br />

TemeculaCA.gov


<strong>February</strong> 20<strong>18</strong><br />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

31<br />

Taste of the<br />

World<br />

For almost a decade, ‘‘Taste of the World’’ has showcased Temecula’s<br />

own amazing restaurants and chefs. Presented by the Rotary<br />

Club of Temecula, ‘‘‘Taste of the World’’’ is an evening of great food,<br />

world-class entertainment and live auction excitement!<br />

Join us this year on Friday, March 23, at Pechanga’s new Grand Resort<br />

Ballroom. Doors open at 5:30 at this four-diamond destination, truly one of the<br />

jewels of the Temecula Valley. Pechanga is the Presenting Sponsor for the evening,<br />

and with the new luxury features of the Grand Resort, makes the perfect<br />

home for this not-to-be missed event.<br />

The Rotary Club of Temecula, with over 100 members strong, has grown to<br />

be one of the most effective service providers, both to the local community and<br />

across the globe. Chartered in 1975, the Club is made up of business people,<br />

community leaders and people looking to make Temecula and the world a better<br />

place. Becoming a Rotarian connects you with this diverse group of wonderful<br />

people serving others over self. The ‘Taste of the World’ event serves as our<br />

annual fundraiser, allowing the club to provide over $100,000 in local literacy,<br />

military, homeless, senior, youth and disadvantaged avenues of service and<br />

support.<br />

The stars of ‘Taste of the World’ are our own Temecula eateries, wineries<br />

and brew houses. Their generous support is the key to this event. Featured this<br />

year are:<br />

• Baily’s Old Town Temecula<br />

• Pechanga Resort<br />

• Smokey Mountain Catering<br />

• Shamrock Irish Pub & Eatery<br />

• The Bank Mexican Restaurant & Bar<br />

• Provecho Grill<br />

• Burgers & Beer<br />

• New Life Culinary Creations<br />

• Cork Fire Kitchen at Temecula Creek Inn<br />

• Rustico<br />

• The Mill<br />

• Claim Jumper<br />

• DaCoconut Café<br />

• 8bit Brewing Company & Restaurant<br />

• Baily Vineyard & Winery<br />

• Wilson Creek Winery<br />

• Europa Village Winery<br />

• Fazeli Wine Cellars<br />

• Ballast Point Brewery<br />

• Nothing Bundt Cakes<br />

• Espresso Chauffer<br />

• Rocky Mountain Chocolate Factory<br />

There are only a few spaces left, so If you are interested in showcasing your<br />

culinary, winemaking, craft brewing or spirit distilling talent, please contact<br />

Jami Fencel at (813) 727-4314 or by email at jamifencel@gmail.com .<br />

In addition to the great food and spirits, ‘Taste of the World’ is pleased<br />

to announce the featured entertainment as the one and only, world-renowned<br />

Alley Cats. They have opened for Jerry Seinfeld, Joan Rivers and have appeared<br />

on numerous television shows. The Alley Cats have had the special<br />

honor of entertaining US military troops serving in Iraq and Afghanistan, and<br />

have performed at The White House. This is their only Temecula appearance.<br />

Sure Shot Entertainment, a local Temecula favorite, will be our featured<br />

DJ and Masters of Ceremonies.<br />

‘Taste of the World’ would not be possible without our sponsors. Thank you to:<br />

Presenting Sponsor<br />

Pechanga Casino and Resort<br />

V.I.P. Experience Sponsor<br />

Langdon Floorcovering<br />

World Sponsor<br />

Pacific Western Bank<br />

Jami and Michael Fencel<br />

Farmers Insurance - Craig Davis<br />

Bank of the West<br />

Bill LaForge<br />

Merrill Lynch<br />

Stifel Financial & Associa Equity<br />

Management<br />

Hemisphere Sponsor<br />

Dubots Capital Management<br />

Continent Sponsor<br />

Napa Auto & Truck Parts<br />

Country Sponsor<br />

Riptide Systems<br />

Winter Advertising Agency<br />

Yamashita Karate<br />

Home Smart Alisa Morrison<br />

Esther N. Phahla, C.P.A.<br />

Allstars Insurance<br />

Lieberg, Oberhansley, Strohmeyer &<br />

Garn<br />

Gosch Ford<br />

Securitas Security Services, USA, Inc.<br />

Advertising Sponsor<br />

The Valley Business Journal<br />

Furniture & Décor Rental Sponsor<br />

Jake Duke<br />

Entertainment Sponsor<br />

Temecula Valley Custom Pools<br />

DJ & Master of Ceremonies Sponsor<br />

Sure Shot Entertainment<br />

Marketing Sponsor<br />

Watermark Associates<br />

There is a sponsorship for every budget.<br />

Sponsors receive a variety of benefits,<br />

and can include a V.I.P. Experience.<br />

For information on how you can sponsor<br />

or donate, please contact Michael<br />

Hoover a 760.419.5154 or by email at<br />

michaelphoover@aol.com.<br />

This event sells out every<br />

year so purchase your<br />

tickets today at www.rotarytasteoftheworld.com.<br />

The Rotary Club of Temecula<br />

meets every Wednesday,<br />

at noon, at Claim<br />

Jumper. Please visit and<br />

join us for lunch.


www.TheValleyBusinessJournal.com<br />

THE VALLEY BUSINESS JOURNAL<br />

32 <strong>February</strong> 20<strong>18</strong>

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