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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 />
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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 />
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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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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>