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VOLUME 29, NUMBER 9<br />
And...<br />
Remaining Emotionally Fit<br />
Temecula Valley Hospital<br />
Wins Award<br />
What Is the Effect of Marital<br />
Separation?<br />
Rancho Springs<br />
NICU Wins Top<br />
Award<br />
page 20<br />
SEPTEMBER 20<strong>18</strong><br />
Azusa Pacific<br />
University<br />
Teachers are<br />
Heroes Program<br />
page <strong>18</strong><br />
2017 Murrieta/Wildomar<br />
20<strong>18</strong> - Award Celebration<br />
This Group of Businesses & Individuals are Truly Remarkable in our Communities<br />
Announces<br />
Temecula Sunrise Rotary<br />
John Tamalunas<br />
as New President<br />
PHOTO: Kip Cothran, Photographer<br />
SEE PAGE 26<br />
The Rotary Club of Temecula Sunrise recently<br />
inducted its 20<strong>18</strong>-2019 president, John Tamalunas.<br />
John is a relatively new member, having joined the<br />
club on August 15, 2017.<br />
SEE PAGE 26<br />
$200M Expansion Moves<br />
Forward for I-15<br />
At the August meeting of the Board of Directors for the Economic Development<br />
Coalition, information regarding Interstate 15 and the progress being<br />
made to ease traffic was presented by speaker, Pat Thomas, Public Works<br />
Director/City Engineer for the City of Temecula.<br />
Thomas spoke to a packed room at the Economic Development Coalition<br />
Board meeting during its regularly scheduled meeting and described what Phase<br />
2 and Phase 3 of the French Valley Interchange will look like among other things.<br />
SEE PAGE 31<br />
DMV Wait is So Long<br />
Your New Car Qualifies for<br />
Historic Plates<br />
by State Senator Jeff Stone (R-Riverside County)<br />
There’s a long-running<br />
joke in California<br />
that instead of jail<br />
time to punish the “bad<br />
guys,” just make them<br />
wait in line at the DMV<br />
office instead.<br />
That joke isn’t as<br />
far-fetched these days as<br />
some residents who have<br />
to use DMV services are<br />
subject to wait times of<br />
eight hours or longer.<br />
SEE PAGE 14<br />
PWR PRESENTS<br />
JOAN SPARKMAN<br />
COMMUNITY<br />
4<br />
Temecula Tax Planner Earns<br />
Certified Tax<br />
Strategist Designation<br />
12<br />
FINANCIAL<br />
Protect Your Eyes from UV<br />
HEALTH 19
www.TheValleyBusinessJournal.com<br />
THE VALLEY BUSINESS JOURNAL<br />
2 <strong>September</strong> 20<strong>18</strong>
<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
3<br />
In this issue<br />
2017-20<strong>18</strong> Murrieta/Wildomar Award Celebration 1<br />
Temecula Sunrise Rotary Announces John Tamalunas1<br />
$200M Expansion Moves Forward for I15 1<br />
DMV Wait Is So Long1<br />
Community 4-11<br />
6 Things You Ought to Know About California Homestead Law 7<br />
Preventing Falls in the Home 9<br />
Keeping Up with the Rate of Change 10<br />
Temecula Tax Planner Earns Certified Tax Strategist Designation 12<br />
Understanding Your Data Usage 15<br />
What is the Effect of Marital Separation on Your Estate Plan? 16<br />
Leading in Jesus’ Wayabout Leadership <strong>18</strong><br />
Azusa Pacific University Murrieta Preview Night <strong>18</strong><br />
Protect Your Eyes from UV 19<br />
Rancho Springs NICU Wins Top Award 20<br />
The Foundation for Senior Care Fall Benefit the “Big Show 20<br />
Temecula Valley Hospita Receives Award 21<br />
Collagen: The Fountain of Youth 22<br />
Remaining Emotionally Fit in Everyday Chaos 23<br />
EXECUTIVE PROFILE: Darlene Wetton 24<br />
Finished Industrial Land Equals More Local Jobs 25<br />
A ‘Wobbly’ Housing Market 27<br />
The Secret Weapon 27<br />
Arts, Dining and Entertainment 28-31<br />
<strong>September</strong> ‘<strong>18</strong>
THE VALLEY BUSINESS JOURNAL<br />
4 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
PWR PRESENTS<br />
joan sparkman<br />
on Giving Back to the Community<br />
Professional Women’s Roundtable<br />
would like you to join us for this<br />
very special meeting where we’re<br />
privileged to introduce PWR Member<br />
Joan Sparkman. Her many Affiliations,<br />
Elected Offices and Awards are<br />
very numerous.<br />
University of California Affiliations:<br />
Trustee to the UCR Foundation<br />
2000-2010, UCR Biomedical Science<br />
Advisory Board, Chancellor’s Associates,<br />
A. Gary Anderson Graduate<br />
School of Management, Watkins Society.<br />
UCR awards: Honorary Doctorate<br />
from the Graduate School of Business<br />
Management. UCR Athena Hall of<br />
Fame recipient.<br />
Affiliations include: Chairman<br />
of the Board of Southwest Healthcare<br />
Systems, Board Member of Temecula<br />
Valley Hospital, Rotary Club of<br />
Murrieta, Circle of Safe-T board and<br />
founder of the Rape Crisis Forensic<br />
Exam Unit, UCR Medical School<br />
Board Advisory Member and Task<br />
Force. Murrieta/Temecula Group<br />
Executive Board, Southwest Legislation<br />
Council Executive Board. Served 21<br />
years on the Boys & Girls Club Board,<br />
member of Professional Woman’s<br />
Roundtable, member of the Women’s<br />
Council of Realtors.<br />
Elected Offices: Served 22 years<br />
on the Temecula Valley Unified Board<br />
of Education, 14 years served on the<br />
Mount San Jacinto Community Board<br />
of Trustees.<br />
Awards include: The Joan F.<br />
Sparkman Elementary School in 1989,<br />
North county Woman of Merit, Woman<br />
of the Year State Assembly twice,<br />
Woman of the Year California State<br />
Senate, Athena Award for Business &<br />
Industry, Joan F. Sparkman Leadership<br />
Award founded by the Professional<br />
Woman’s Roundtable in 2002, Temecula<br />
Valley Chamber Citizen of the Year, Boy<br />
Scouts of America Distinguished of the<br />
Year, Wall of Honor in the Temecula<br />
Museum, American Bankers Award for<br />
Community Service, League of Women<br />
Voters Outstanding Volunteer Award,<br />
Outstanding Education Leadership<br />
Award from the Riverside<br />
County Office of Education<br />
2005, Lifetime Achievement<br />
Award from the Temecula Valley<br />
Chamber of Commerce. California<br />
Nurses Assn. awarded<br />
in 2014.<br />
The <strong>September</strong> meeting is<br />
Thursday, <strong>September</strong> 6th from<br />
11:15 a.m. to 1:00 p.m. The cost<br />
to attend the luncheon meeting is<br />
$20.00 for members and $25.00<br />
for guests.<br />
Join PWR for our monthly lunch<br />
meeting. Registration begins at 11:15<br />
a.m. at 8bit Brewing Company, 26755<br />
Jefferson Ave., Ste. F in Murrieta. For<br />
more information visit our website www.<br />
pwronline.org.<br />
The Professional Women’s Roundtable<br />
(PWR) is a non-profit, 501c3, women’s<br />
organization dedicated to helping<br />
women succeed through mentoring by<br />
example, powerful speakers, educational<br />
workshops and, of course, networking.<br />
The Professional Women’s<br />
Roundtable invites all professional<br />
women and PWR members to attend<br />
the meetings every first Thursday<br />
of the month. For reservations and<br />
more information visit www.pwronline.org.<br />
Or, for more information,<br />
please contact: Annette LaRocque:<br />
951-300-6676.
<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
5
THE VALLEY BUSINESS JOURNAL<br />
6 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
Don’t Procrastinate!<br />
Learn to Be A Better<br />
Speaker Now!<br />
If you have always wanted<br />
to be a better speaker, better<br />
communicator and better leader,<br />
we are the club you need to<br />
be a member.<br />
The Next Level Toastmaster’s<br />
Club is a club where you will learn<br />
all of this in a friendly and fun environment!<br />
We are a new club that meets on<br />
every Thursday(except August 23<br />
and <strong>September</strong> 6)from 12:10- 1:10<br />
pm at 29995 Technology Drive,<br />
Suite 203, Murrieta 92563.<br />
We expect to charter the first<br />
week in October and are looking<br />
for 17-20 dedicated and committed<br />
people who will grow with us personally<br />
and professionally as the<br />
club grows!<br />
Come be our guest, and see<br />
what Toastmasters is all about.<br />
RSVP (951) 775-0615 or (951) 723-<br />
7691.<br />
Business Women’s Network Announces<br />
BWN’s <strong>September</strong> 11th meeting<br />
features member speakers Bonnie<br />
Clark, President of Kratos Financial and<br />
Insurance Solutions and Lorie Herick<br />
with Top Notch Auto Sales. Kratos is a<br />
Temecula-based Holistic Financial Services<br />
Company. Bonnie holds licenses<br />
in CA, AZ, NV, TX, IN, OH, OR, VA,<br />
MD and Fl.<br />
Top Notch Auto Sales is where your<br />
buying experience is our number one<br />
priority. We encourage you to use the<br />
expertise and resources of our sales staff<br />
who are here to help you find the right<br />
car at the right price.<br />
Visit http://retirement-planning-tools.<br />
com to watch some videos or call Bonnie<br />
to learn more.<br />
Business Website: Kratos Financial &<br />
Insurance Solutions<br />
Phone Number: 951-506-6193<br />
Business Website: https://www.tna.la/<br />
Business Address: 28046 Del Rio Rd,<br />
Suite A, Temecula, CA 92590<br />
Phone Number: 951-694-4411<br />
BWN’s <strong>September</strong> 25th meeting<br />
will feature a hand-selected guest speaker<br />
whose knowledge and expertise will<br />
enhance your business’s strength and<br />
growth.<br />
NAFE Meeting in <strong>September</strong><br />
to Feature Daniela Bumann<br />
Liberator and Corporate Consultant<br />
- Hi, I`m Daniela. I`m a liberator<br />
and I`m a Swiss entrepreneur with an<br />
adventurous positive spirit, dedicated<br />
to helping you become your BEST self.<br />
I`m an Author, CSL, international<br />
Speaker and DiSC Communications<br />
trainer, and I have been working as a<br />
certified Coach (among other certifications)<br />
since 1994. I have worked with<br />
companies and individuals internationally<br />
for nearly 25 years helping them<br />
to achieve true Confidence, Work-Life<br />
Balance, and get past limiting beliefs<br />
to live the life they Want and Deserve.<br />
I specialize in helping people<br />
“break free” identify and achieve their<br />
life goals by coping with the issues<br />
that are causing them distress, anxiety,<br />
and stress. I take great pride in the<br />
progress and success of my clients and<br />
look forward to helping you to be your<br />
BEST self.<br />
Daniela can be reached here -<br />
Daniela Bumann, CEO Corporate<br />
Consultant & Liberator Confidence<br />
for Success Programs & Retreats.<br />
www.VibrantLivingNow.org, info@<br />
vibrantlivingnow.org<br />
Date: The <strong>September</strong> meeting is Tuesday<br />
Sept 4th at 6pm.<br />
Location: Texas Lil’s Mesquite Grill,<br />
28498 Old Town Front Street in Temecula<br />
Check out this video on the meeting<br />
and location - https://www.easywebvideo.com/52cfddc3<br />
Meeting Fee: $10.00 for Nafe members,<br />
$15.00 for guests, then you order<br />
whatever you want to eat and pay the<br />
restaurant direct. Meeting fees are paid to<br />
Robbie Motter, cash, check or credit card.<br />
Our mission is to help women grow<br />
personally and professionally, bring lots<br />
of business cards so you can network<br />
with other dynamic women like yourself.<br />
Great place to SHOW UP and ASK.<br />
Check out our website at wrnafe.com.<br />
Save the date of October 20th for<br />
our Global Society Female Entrepreneurs<br />
- a 501c3 & Nafe Soar to Greatness<br />
Women’s Conference at the Courtyard<br />
Marriott in Murrieta. It’s an all-day conference,<br />
continential breakfast, lunch,<br />
entertainment, networking and more.<br />
Check out the website athttps://<br />
www.globalsocietyforfemaleentrepreneurs.org/soar-to-greatness-women-business-conference#BuyTickets.<br />
Cost is $100.00 a few vendor slots<br />
remain $150.00 includes conference ticket.<br />
As a member you can visit any of our<br />
11 SO CAL Nafe networks, every Nafe<br />
meeting has the opportunity to network<br />
and let others know what it is you do and<br />
to ASK for what it is you need and want.<br />
<strong>September</strong> Speakers<br />
About BWN - Since 1992 Business Women’s<br />
Network of Temecula Valley (BWN)<br />
has been a premier women’s networking<br />
group dedicated to the highest standards<br />
of professionalism and the exchange<br />
of business leads. Our structured, yet<br />
relaxed luncheon program provides<br />
members the time and place to introduce<br />
themselves, their products and services<br />
during each meeting. Membership<br />
includes group membership in the Murrieta<br />
Chamber of Commerce and the<br />
Temecula Chamber of Commerce. We<br />
are all about promoting ourselves and<br />
each other and building strategic relationships<br />
with other professional local<br />
women while having fun. We meet at<br />
noon on the second and fourth Tuesdays<br />
at The Broken Yolk Café at 26495 Ynez<br />
Rd, Temecula. Check us out at http://<br />
business-womens-network-temecula.<br />
com/<br />
Go to www.wrnafe.com to see<br />
where our other CA networks meet.<br />
Please RSVP to Robbie Motter rmotter@aol.com<br />
or 951-255-9200<br />
“The Power of Self-Esteem &<br />
Confidence!” Tools & Empowerment<br />
on HOW to RISE past limiting beliefs<br />
to achieve your life goals. Please come<br />
and join me and my co-director Shelly<br />
Ruffin at the Temecula Murrieta nafe<br />
meeting. Come and hear a great speaker,<br />
Daniela Bumann and tell us what<br />
you do and how we can help you and<br />
have a great meal.<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 />
Andrea Shoup<br />
Gloria Wolnick<br />
Dr. Drake Levasheff, PhD<br />
Mort J. Grabel, Esq.<br />
John & Christine Hamby<br />
Heather Petersen<br />
Brian Connors<br />
Scott Chappell<br />
Tristin Collopy<br />
CONTRIBUTING PHOTOGRAPHERS<br />
Cy Rathbun<br />
Todd Montgomery<br />
Tom Plant<br />
Pat Benter<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>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
7<br />
6 Things You Ought to Know About California Homestead Law<br />
California’s “homestead “exemptions<br />
are super-heroes for Californians!<br />
While other exemptions protect items<br />
worth a thousand dollars here and<br />
there, the homestead protects $75,000<br />
for a single person and $100,000 for a<br />
couple. **For the elderly or disabled,<br />
the homestead balloons to $175,000.<br />
The homestead is powerful, but unfortunately<br />
not well understood. Here are six<br />
things you probably didn’t know about<br />
the homestead:<br />
I) Homestead is superior to a<br />
judgment creditor - Homestead protects<br />
homeowners from a particular kind<br />
of creditor- “the judgment creditor”. A<br />
judgment results from a lawsuit and<br />
determination you actually owe money<br />
to the plaintiff who brought the law<br />
suit. A judgment entitles the judgment<br />
creditor to use certain legal powers to<br />
collect that money. That right to collect<br />
money owed is limited by the judgment<br />
debtor’s homestead rights. The homestead<br />
exemption was designed to assure<br />
judgment debtors have a place to live;<br />
even if they owe the money.<br />
II) Homestead protection is not<br />
absolute - The California homestead<br />
does not guarantee you that a creditor<br />
can’t force a sale of your home to pay a<br />
debt. But, it guarantees that you get the<br />
dollar value of your homestead from<br />
the forced sale of your home before the<br />
creditor forcing the sale gets any money<br />
at all. A creditor who seeks to levy on<br />
a homestead must convince a sheriff or<br />
judge that any sheriff’s sale will return<br />
enough money to pay the homeowner<br />
the homestead first. The cost of making<br />
sure the homeowner gets their homestead<br />
protection first restrains judgment<br />
creditors from looking to home equity<br />
as a source of repayment. Frankly, it’s<br />
just too expensive with uncertain results<br />
in most cases.<br />
III) Homestead is no protection<br />
from foreclosure - California law<br />
allows you to pledge your homestead<br />
as collateral for a loan. So, when you<br />
encumber your home as part of the<br />
purchase transaction, or tap the equity<br />
through a HELOC or refinance, you give<br />
the lender the right to foreclose on your<br />
home without regard to your homestead.<br />
The law says a foreclosure that doesn’t<br />
pay you your homestead is OK, because<br />
the transaction that put your homestead<br />
at risk was voluntary.<br />
IV) Homestead exemptions come<br />
in two styles: - Own your home and you<br />
automatically have a homestead exemption.<br />
You don’t have to do anything to<br />
get certain protection of your equity<br />
from judicial creditors. CCP 704:710<br />
• The automatic homestead has the<br />
same monetary conditions the declared<br />
homestead. The automatic<br />
homestead only protects the home<br />
against a forced sale that wouldn’t<br />
yield enough proceeds to pay the<br />
homestead before paying the creditor.<br />
If you choose to sell your<br />
home and a creditor has recorded a<br />
judgment lien that attaches to your<br />
property, the judgment creditor gets<br />
paid from the sale before you get<br />
your homestead.<br />
• The declared homestead operates<br />
differently; the homestead amounts<br />
are the same, but the declared homestead<br />
protects exempt equity if<br />
you voluntarily sell your home. CCP<br />
704.910 The exempt proceeds remain<br />
protected for six months from<br />
the voluntary sale of the home. That<br />
6 month period is intended to provide<br />
a window in which you can reinvest<br />
the homestead in a replacement<br />
home.<br />
V) Either spouse can claim the<br />
entire exemption - When a married<br />
couple is entitled to a homestead, but<br />
the debt is an obligation of only one<br />
spouse, the debtor spouse can assert<br />
the entire homestead available to a<br />
married couple. When only one spouse<br />
files bankruptcy and only his half of<br />
a tenancy in common came into the<br />
bankruptcy estate, he could still claim<br />
the entire exemption available to a<br />
married man. IN RE:McFall: 112 B.R.<br />
336 (1990) DECIDED APRIL 10, 1990,<br />
Ninth Circuit<br />
VI) California homestead is<br />
powerless against the feds - Since<br />
the homestead is state law, it does not<br />
limit the collection powers of the IRS<br />
or other federal agencies; because the<br />
Supremacy Clause of the Constitution<br />
means federal law is superior to state<br />
law. The IRS has its own, much smaller<br />
set of exemptions for delinquent tax<br />
payers. Those exemptions aren’t much<br />
in protecting a California home. But in<br />
the real world, however the IRS seldom<br />
tries to force the sale of homes. Like<br />
most other creditors with a lien on real<br />
property, the IRS simply waits until<br />
the homeowner wants to sell or refinance.<br />
Either sale or refinance generally<br />
require that tax liens be paid before the<br />
transaction closes.<br />
Please note: The information provided<br />
herein is general and not be relied upon<br />
for your circumstance.<br />
For further information or if you have<br />
any legal questions please call the Law<br />
Offices of Morton J. Grabel, in Temecula<br />
at (951) 695-7700. Mort originally<br />
from Philadelphia, PA is a graduate<br />
from an ABA Law School, has an MBA,<br />
a California Nursing Home Administrator’s<br />
License & a California Real Estate<br />
Broker’s License [both active and in<br />
good standing].<br />
LEGAL<br />
by<br />
Morton by J. Grabel, Esq.<br />
Steve Fillingim
www.TheValleyBusinessJournal.com<br />
THE VALLEY BUSINESS JOURNAL<br />
8 <strong>September</strong> 20<strong>18</strong>
<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
9<br />
Preventing Falls in the Home - Be Aware<br />
of the Risk Factors that Can Cause Seniors<br />
to Fall<br />
One in four older Americans<br />
falls every year. Falls are the leading<br />
cause of injuries for seniors aged 65<br />
and older, so preventing falls can be<br />
vital to their overall health.<br />
According to the Centers for Disease<br />
Control and Prevention (CDC),<br />
one out of five falls causes a serious<br />
injury, such as broken bones, hip<br />
fractures or head injuries. And each<br />
year, at least 300,000 older people are<br />
hospitalized for hip fractures.<br />
If you have an aging parent or<br />
grandparent, helping them reduce<br />
their risk of falling can keep them<br />
safe, healthy and independent. There<br />
are ways of preventing falls in the<br />
home. First, you need to be aware of<br />
some of the risk factors that can lead<br />
to a fall, which include:<br />
Balance and Gait – As we age<br />
and become less active, we can lose<br />
some coordination, flexibility, and<br />
balance, which can cause instability.<br />
Vision – As we get older, less<br />
light reaches our retina, which makes<br />
contrasting edges, tripping hazards<br />
and other obstacles more difficult<br />
to see.<br />
Medications – Some prescriptions<br />
and over-the-counter medications<br />
can cause dizziness, dehydration<br />
or drowsiness, which can all<br />
lead to a fall.<br />
Environment – Seniors who<br />
have lived in their homes for a long<br />
time may not think about simple<br />
changes they can make to their space<br />
to keep it safer as they age.<br />
Now that you know the risks,<br />
here are 4 things you can do for preventing<br />
falls so that your loved one<br />
stays safe and that you have peace<br />
of mind.<br />
Monitor Their Balance - Is<br />
your older loved one unsteady on<br />
their feet? See if they’re holding<br />
onto walls, furniture or someone<br />
else when walking, or if they seem<br />
to have difficulty getting up from a<br />
chair. They may need help improving<br />
their balance, strength and gait.<br />
A cane, walker or other mobility aid<br />
might be the answer. But oftentimes<br />
light exercise and regular activity can<br />
improve overall stability.<br />
Discuss their Health Conditions<br />
- Is your older loved one having<br />
trouble managing their own health?<br />
Make sure they are remembering to<br />
take their medications, and ask if they<br />
are experiencing side effects from that<br />
medication. Are they having difficulty<br />
doing routine daily tasks or do they<br />
have other health concerns? If certain<br />
health issues are not addressed immediately,<br />
it could lead to more serious<br />
problems down the road.<br />
Take them for an Eye Exam -<br />
If your parent or grandparent wears<br />
glasses, do they have a current prescription?<br />
If not, it may be time for<br />
an eye exam. Also make sure they are<br />
using the glasses as directed by their<br />
eye doctor. Remember that sometimes<br />
tint-changing lenses can be hazardous<br />
when going from bright sunlight to the<br />
indoors. And bifocals can be problematic<br />
on stairs and other level changes<br />
in the home.<br />
Modify their Home<br />
There are many things you can do<br />
to make your loved one’s home safer<br />
so that they may age in place for a<br />
long time:<br />
• Pick up anything on the floor that<br />
they could trip over, including unnecessary<br />
clutter.<br />
• Consider moving anything that is<br />
plugged in to a different area of the<br />
home if the cords become a tripping<br />
hazard.<br />
• Add secure railings to both sides of<br />
stairs, inside and out.<br />
• Make sure their home has enough<br />
light by adding more or brighter<br />
light bulbs.<br />
• Add grab bars inside and outside<br />
the tub or shower, as well as next<br />
to the toilet. Also consider adding a<br />
shower chair or hand-held shower.<br />
At FirstLight, we help seniors<br />
enjoy the best quality of life for as<br />
long as possible. Contact FirstLight<br />
Home Care to learn more about our<br />
senior home care solutions that help<br />
keep your loved one safe, healthy and<br />
independent.<br />
If you’d like to learn more about our<br />
Senior Care Services give us a call at<br />
(951) 395-0821 or visit our website<br />
at www.temecula.firstlighthomecare.<br />
com. This article is provided by John<br />
and Christine Hamby, Owners, First-<br />
Light Home Care of Temecula.
THE VALLEY BUSINESS JOURNAL<br />
10 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
Keeping Up with the Rate of Change<br />
About four years ago I wrote an<br />
article entitled “Change Planning or<br />
Planning to Change”. While still<br />
very applicable for today, one of<br />
the latest measurements is “Rate<br />
of Change” (ROC) which attempts<br />
to predict how new developments<br />
are affecting business models. As<br />
you can imagine technology is one<br />
focus area of Rate of Change, but it<br />
also includes marketing techniques,<br />
product development and even employee<br />
engagement. Rate of Change<br />
is constantly increasing evident by<br />
knowledge levels which are expected<br />
to double themselves every twelve<br />
hours thanks to the propagation and<br />
exponential growth of the internet<br />
fueled by Moore’s law that states<br />
computer processing speed will double<br />
every eighteen months.<br />
So, the saying “the only thing<br />
guaranteed not to change is that there<br />
will be change” still holds true. And<br />
if change was happening fast four<br />
years ago, imagine the ROC today.<br />
Are you a bit skeptic about all this?<br />
Consider these disruptors that have<br />
appeared in the last few years in some<br />
cases out of nowhere but because<br />
of demand; Snapchat, BuzzFeed,<br />
SpaceX, SurveyMonkey, DocuSign,<br />
Pinterest and AngelList. The list<br />
goes on and spans many types of<br />
industries. They were started from<br />
nothing or from existing companies<br />
by individuals with a finger on the<br />
pulse of change. As I had written<br />
four years ago, the key to dealing<br />
with change is preparing, planning<br />
and looking ahead.<br />
If you look back at your business<br />
and haven’t seen desired growth, there<br />
is a good chance there has been limited<br />
changes in your operations and it may<br />
be time to revisit these tips. Have<br />
contingency plans in place for a sudden<br />
downturn in sales as well as upticks<br />
that increase sales and floor traffic.<br />
Ask yourself how you can handle these<br />
variations differently and creatively.<br />
If you are understaffed can technology<br />
be used to fill the gaps? Are you<br />
taking advantage of new methods to<br />
engage suppliers and vendors to ensure<br />
product availability? How can costs<br />
be reduced? How quickly can policy<br />
changes be implemented when a new<br />
idea is presented? It is good practice<br />
to regularly think through any potential<br />
controllable or uncontrollable changes<br />
that may impact your business. Make<br />
it a goal to position your business as<br />
a leader and one that is flexible to<br />
meet the challenge of the changing<br />
world in which it operates.<br />
Ted Saul is a business coach that<br />
assists with Business Plans and Project<br />
Management. He holds a master<br />
certificate in project management<br />
and has earned his MBA from Regis<br />
University. Ted can be reached on<br />
LinkedIn, TedS787 on Twitter or<br />
emailing Ted@tsaul.com.<br />
by<br />
by<br />
Ted Saul,<br />
Steve Fillingim<br />
Sr. Staff Writer<br />
“<br />
So, the saying “the only thing guaranteed not to<br />
change is that there will be change” still holds true
<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
11<br />
Second Annual City of Temecula Emergency<br />
Management Summit: Partnering Agencies<br />
As part of the 20<strong>18</strong> citywide<br />
theme, Temecula SAFE, the City of<br />
Temecula’s Emergency Management<br />
Division cordially invites the public to<br />
the City’s second annual Emergency<br />
Management Summit: Partnering<br />
Agencies.<br />
Event: Temecula Emergency Management<br />
Summit: Partnering Agencies<br />
Date/Time: Thursday, <strong>September</strong> 20,<br />
20<strong>18</strong>, 8:00 a.m. to 1:00 p.m.<br />
Location: City of Temecula City Hall,<br />
Conference Center, 41000 Main St.,<br />
Temecula<br />
This will be an informative event<br />
with keynote speakers, panel discussions,<br />
exhibitions and vendors. Citizens<br />
and businesses are encouraged to<br />
learn and discuss what to do should a<br />
catastrophic event strike our community.<br />
Don’t wait until it’s too late.<br />
Topics include:<br />
• Shelters<br />
• Health Care<br />
• First Responders<br />
• Partnering Agencies such as School<br />
Districts, Nonprofits, Private, Public<br />
and Faith Based Organizations<br />
• Facilitated Lunch Panel Discussion<br />
Temecula Mayor Matt Rahn encourages<br />
residents and businesses to<br />
attend, and states, “Natural and manmade<br />
disasters are unpredictable, so<br />
the City of Temecula takes proactive<br />
measures to work with our partnering<br />
agencies to ensure our residents are<br />
informed and prepared.” Mayor Rahn<br />
added, “We also created a Special Edition<br />
Emergency Preparedness Newsletter,<br />
filled with useful information,<br />
that was hand delivered in June to all<br />
City of Temecula households inside<br />
of a ‘3-Minute Bag,’ which will be<br />
available to participants at this event.”<br />
This event is free to all who wish<br />
to participate. A free continental<br />
breakfast and lunch is also included.<br />
Seating is limited, so please register<br />
today at www.eventbrite.com<br />
For more information or questions,<br />
contact Robert Cardenas, Risk Manager<br />
at 951-693-3944.
THE VALLEY BUSINESS JOURNAL<br />
12 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
Your Local Chambers<br />
Temecula Valley Chamber of Commerce<br />
www.temecula.org<br />
Murrieta/Wildomar Chamber of Commerce<br />
www.MWCoC.org<br />
Menifee Valley Chamber of 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<br />
help your business.<br />
Temecula Tax Planner Earns Certified Tax<br />
Strategist Designation<br />
MONEY<br />
by<br />
Esther Phahla,<br />
CPA, CTC, MST<br />
They need a plan for<br />
taking advantage of<br />
every deduction, credit,<br />
loophole, and strategy<br />
allowed.<br />
Esther Phahla, CPA, announced<br />
July 26, 20<strong>18</strong> that she is now a Certified<br />
Tax Strategist. This is the highest-level<br />
designation that started out as one of<br />
just under 700 tax professionals who<br />
has completed the American Institute for<br />
Certified Tax Planners training academy<br />
leading to the Certified Tax Coach designation.<br />
You start out as a Certified Tax<br />
Coach then you progress to other levels<br />
based on the tax planning engagements<br />
you have completed for your clients and<br />
additional course work throughout the<br />
years to keep up with changing tax laws.<br />
“Taxpayers who really want to beat<br />
the IRS and take a proactive approach<br />
on their taxes can’t wait for their accountant<br />
to work magic with a stack<br />
of receipts on April 15,” says Phahla,<br />
“They need a plan for taking advantage<br />
of every deduction, credit, loophole, and<br />
strategy allowed.”<br />
“Traditional tax professionals focus<br />
on putting the right numbers in the<br />
right boxes on the right forms,” says<br />
Dominique Molina, a San Diego-based<br />
CPA and Director of the American Institute<br />
for Certified Tax Planners. “Our<br />
program is different,” she continues.<br />
“We don’t just help our client’s record<br />
history. We help them write it, with a<br />
complete menu of advanced tax-planning<br />
concepts and strategies.”<br />
The American Institute for Certified<br />
Tax Planners program focuses on<br />
court-tested, IRS-approved strategies<br />
for minimizing Alternative Minimum<br />
Tax, maximizing deductions from real<br />
estate and passive activities, maximizing<br />
retirement savings, and similarly<br />
powerful strategies. As taxes rise to<br />
cover increased government spending,<br />
this sort of proactive planning will become<br />
even more important in the future.<br />
To earn the designation Esther<br />
Phahla completed an intense training<br />
program. She has also agreed to abide by<br />
the AICTP Code of Ethics and complete<br />
24 hours of tax-planning continuing<br />
education each year. What led Esther<br />
Phahla to qualify for this highest designation<br />
is clients like Gwen and Philip.<br />
Gwen works as a medical doctor who<br />
was paid as an Independent Contractor<br />
by the hospital she is contracted to.<br />
Every year she filed her Schedule C<br />
and took all the available deductions<br />
and paid her hefty quarterly estimates<br />
and a huge tax bill until they met with<br />
Phahla to discuss missed opportunities<br />
based on the entity structure she was<br />
operating under. Phahla compared different<br />
entity structures looked at what’s<br />
available based on Gwen’s profession.<br />
Similar to Gwen’s medical profession,<br />
she diagnosed the problem, prescribed<br />
the solution and filled the prescription<br />
(Implementation of a better entity structure<br />
and deductions that would benefit<br />
Gwen not just one year but many years<br />
to come). This resulted in Gwen saving<br />
over $37,000 in tax liability and allowed<br />
Gwen and Philip to have some left-over<br />
cash to put down payment for their<br />
dream home.<br />
With the passage of the tax reform<br />
Gwen came in again for her quarterly<br />
tax review to evaluate if the entity<br />
structure she chose a few years ago<br />
was still a better choice for her. As you<br />
all know starting in 20<strong>18</strong> corporations<br />
can enjoy a flat 21% tax rate, while<br />
passthrough entities (sole proprietors,<br />
LLCs, S corporations, and partnerships)<br />
were afforded a special deduction of up<br />
to 20% qualified business income but<br />
it’s not a straight forward deduction as<br />
you have to follow a sequence of steps<br />
to check if the taxpayer does qualify.<br />
After deeper analysis, we realized that<br />
the there is additional work that needs<br />
to be done since Gwen falls under the<br />
personal service business definition<br />
(medical professionals, law, accounting,<br />
consulting). We made a few changes to<br />
make sure that Gwen still enjoys the tax<br />
savings and give her peace of mind to<br />
enjoy her profession and trusted us with<br />
her ongoing business needs.<br />
Is it time to rethink your entity<br />
structure? The Tax Cuts and Jobs Act<br />
of 2017 has presented many new opportunities.<br />
You might be missing out<br />
if you don’t explore your options. Want<br />
to find out if you are in the optimal entity<br />
considering tax reform? Contact us for<br />
a complimentary 30-minute session.<br />
Esther Phahla is a Certified Public<br />
Accountant and Certified Tax Strategist<br />
in Temecula. She also holds a Master’s<br />
of Science in Taxation. She is the<br />
Best-Selling Author of a Tax Planning<br />
book “Why Didn’t My CPA Tell Me<br />
That”. She is also the author of “10<br />
Most Expensive Tax Mistakes That Cost<br />
Business Owners Thousands”. Esther is<br />
passionate about proactive tax planning<br />
being the key to reducing taxes. She has<br />
spent hundreds of hours of continuing<br />
education to ensure she provides the<br />
best solutions for her clients. Over<br />
the years Esther has helped hundreds<br />
of business owners save thousands in<br />
tax savings. She has given seminars on<br />
proactive tax planning as well as written<br />
a number of articles on the topic. She<br />
can be reached at (951) 514-2652 or<br />
visit www.estherphahlacpa.com.
<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
13<br />
The City of Temecula Proudly Presents<br />
Temecula SAFE on Saturday, October 20th<br />
Temecula has consistently been ranked as one of the safest cities in America.<br />
Learn what makes our community so safe by attending this free public safety event<br />
entitled Temecula SAFE on Saturday, October 20, 20<strong>18</strong> from 9:00 am to 2:00 pm<br />
at Town Square Park in Old Town Temecula (41000 Main Street).<br />
Temecula Mayor Matt Rahn stated, “The City’s 20<strong>18</strong> theme, Temecula SAFE,<br />
presents a great opportunity for the city to host an event where families, including<br />
kids of all ages, can meet Temecula police officers and firefighters, take photos,<br />
and learn about the important job they undertake daily to keep Temecula safe.”<br />
Festivities will include a Kids Fun area, emergency response informational<br />
booths and demonstrations, and food trucks serving delicious treats. The Temecula<br />
Education Foundation is partnering with the city for the Touch a Truck portion of<br />
the event including a special No Noise Sixty Minutes, from 9:00 am to 10:00 am,<br />
geared toward children who have adverse reactions to loud sudden noises. You<br />
will not want to miss this incredible chance to meet our everyday local heroes.<br />
For more information, please contact the Community Services Department<br />
at (951) 694-6480.
THE VALLEY BUSINESS JOURNAL<br />
14 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
DMV Wait is So Long<br />
CONTINUED FROM PAGE 1<br />
DMV officials blame the longer<br />
wait times on the implementation of<br />
the federal REAL ID Act. This law requires<br />
all residents who want to board<br />
any commercial flight or enter military<br />
bases and most federal facilities to get a<br />
REAL ID-compliant driver’s license or<br />
identification card by October 1, 2020.<br />
To handle the extra processing<br />
work of implementing the new ID cards<br />
at DMV offices, California’s Legislature<br />
allocated an extra $23 million to the<br />
DMV in the 2017-<strong>18</strong> FY budget. Those<br />
additional millions of dollars came with<br />
the promise of hiring 2<strong>18</strong> more workers,<br />
extending office hours from 9 a.m. to 7<br />
p.m., Monday through Friday, and to<br />
open 60 field offices from 9 a.m. to 5<br />
p.m. on Saturdays.<br />
As with many government programs,<br />
promises made are far less often<br />
promises kept.<br />
DMV offices continue to close at<br />
5 p.m. instead of staying open until the<br />
promised 7 p.m. Monday through Friday.<br />
Saturday hours have been limited<br />
to just 40 field offices that are open from<br />
8 a.m. to 1 p.m. only twice a month.<br />
The DMV’s answer to the problem?<br />
More money.<br />
The DMV has already received<br />
an increase of 550 positions and $46<br />
million in this year’s budget. It is expected<br />
to ask for nearly 2,000 additional<br />
positions and $151 million more to<br />
handle REAL-ID workload over the<br />
next four years. All of this is on top of<br />
the annual operating budget it already<br />
receives. Add it all up and the DMV<br />
says it needs more than $220 million<br />
over six years to implement the Real<br />
ID Act.<br />
The sad truth about this entire DMV<br />
fiasco is that it didn’t have to be this<br />
way. The REAL ID Act was enacted<br />
in 2005 with plans for the Department<br />
of Homeland Security to approve each<br />
state’s enforcement plan by 2013. The<br />
DMV has had eight years to prepare for<br />
the act’s deadline. California Governor<br />
Jerry Brown’s administration still has<br />
requested an extension of several years,<br />
yet the DMV has been given tens of<br />
millions of dollars for the Real ID implementation.<br />
Before giving the DMV one more<br />
dollar, California residents deserve to<br />
know what the heck has happened to the<br />
many tens of millions of dollars already<br />
provided for the new staff, new offices<br />
and extended hours.<br />
It’s past time for these tortuous lines<br />
to stop. California residents should<br />
never have to wait for hours outside the<br />
DMV office in 100-plus degree heat just<br />
to see a DMV employee to upgrade their<br />
government-mandated ID. The only<br />
way to ensure promises made are promises<br />
kept and get this broken process<br />
fixed is to audit the DMV immediately.<br />
Californians deserve better.<br />
Jeff Stone represents California’s<br />
28th Senate District. The district, which<br />
is entirely in Riverside County, stretches<br />
from the vineyards of the Temecula Valley<br />
to the Colorado River and includes<br />
the cities of Blythe, Canyon Lake,<br />
Cathedral City, Coachella, Desert Hot<br />
Springs, Indian Wells, Indio, Lake Elsinore,<br />
La Quinta, Murrieta, Temecula,<br />
Palm Desert, Palm Springs, Rancho<br />
Mirage and Wildomar.<br />
For more information visit: www.Senate.ca.gov/Stone<br />
or on Facebook at<br />
www.facebook.com/SenatorJeffStone.<br />
“<br />
It’s past time for these tortuous lines<br />
to stop. California residents should<br />
never have to wait for hours outside<br />
the DMV office in 100-plus degree<br />
heat just to see a DMV employee to<br />
upgrade their governmentmandated<br />
ID
<strong>September</strong> 20<strong>18</strong><br />
“Understanding Your Data Usage for<br />
Companies like Google, Facebook”<br />
TECHNOLOGY<br />
by<br />
by<br />
Tristan<br />
Steve Fillingim<br />
Collopy<br />
Recent news regarding Facebook’s<br />
usage of customer data, such as selling<br />
to firms like Cambridge Analytica, has<br />
placed ‘big data’ at the forefront of<br />
many people’s minds. For the business<br />
owner, understanding what a vendor is<br />
doing with your data is of pre-eminent<br />
importance.<br />
The aphorism amongst technical<br />
people regarding companies like Facebook<br />
is that “if the service is free, YOU<br />
are the product.” Indeed, many people<br />
in the Information Technology field<br />
seemed somewhat perplexed at the<br />
outrage Facebook faced when it became<br />
clear that they were selling the data they<br />
collected on users of their services to<br />
data analytics firms. This is because<br />
treatment of data in this way is not the<br />
exception—it is the business model.<br />
The first encounter many people<br />
would have with this type of business<br />
model is the usage of free email account<br />
services, like Gmail, Hotmail, Yahoo,<br />
etc. I think that anyone would agree that<br />
the Googles and Microsofts of the world<br />
are not running charities. Why then do<br />
they provide email services at no cost<br />
to consumers? Surely there is hard cost<br />
associated with providing these services.<br />
Indeed, the backend infrastructure<br />
needed to accommodate email services<br />
for even a small-to-medium businesses<br />
can be substantial; the cost of providing<br />
a similar service to millions of users is<br />
substantial. The question then becomes,<br />
why do these companies do it? If it is<br />
not out of the goodness of their hearts,<br />
so to speak, there must be something in<br />
it for them. There is of course, and it is<br />
the data they are able to collect from the<br />
emails the users of these services send<br />
and receive.<br />
At first glance this might seem scary,<br />
but in the case of free email services the<br />
use case is relatively innocuous, though<br />
potentially aggravating—targeted ads.<br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
Providers of free email services use<br />
sophisticated algorithms to search for<br />
keywords within the subjects and bodies<br />
of email messages. These keywords<br />
are then used to serve you targeted ads<br />
advertising products or services that<br />
the algorithm ‘decides’ you might be<br />
interested in. In fact, this is how much of<br />
the advertisement you encounter online<br />
is generated.<br />
Facebook is the scaled up version of<br />
this model. Using the information that<br />
users essentially ‘turn over’ about themselves,<br />
they serve those users both content<br />
that they might be interested in, and<br />
targeted advertisements. As you might<br />
imagine, data analytics of this nature<br />
are can be put to even more powerful<br />
use for things like political campaigns,<br />
crime statistics and prediction, and any<br />
number of other ‘big data’ uses.<br />
The next question you might be<br />
asking yourself is how this could have<br />
happened, thinking that you don’t remember<br />
giving Facebook consent to<br />
use your data. This part of the Facebook<br />
saga will likely be further litigated, but<br />
the position of Facebook, and other<br />
firms that provide similar services, is<br />
that by agreeing to their Terms and<br />
Conditions, often called the EULA or<br />
End User License Agreement, you DID<br />
in fact consent to their use of your data,<br />
often in whatever way they see fit.<br />
What does all this mean for the<br />
business owner? As with any contract,<br />
it is important to review the terms of the<br />
EULA to be certain you are comfortable<br />
with the provisions contained within the<br />
license agreement. Oftentimes this can<br />
be a daunting task, as the agreement<br />
itself will run to many tens if not hundreds<br />
of pages. Oftentimes, however, up<br />
to date summaries and breakdowns of<br />
the agreements themselves can be found<br />
online. Be confident of the manner in<br />
which your data is to be used, where it<br />
is to be stored, and who will have access<br />
to view it. And remember nothing<br />
is truly free.<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.<br />
15<br />
Support your local nonprofits.<br />
They need your skills, your ideas and<br />
your support.
THE VALLEY BUSINESS JOURNAL<br />
16 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
What is the Effect of Marital<br />
Separation on Your Estate Plan?<br />
Water, Flood, Fire, Smoke, Mold Damage?<br />
With Pulido you are family.<br />
We will get you through this.<br />
The most trusted Restoration company in<br />
the Temecula valley since 1989<br />
It is generally understood that<br />
when couples divorce they will also<br />
be changing their estate plan to reflect<br />
the divorce, as well as to accommodate<br />
new spouses or children. However, in<br />
California, spouses have the option<br />
of a legal separation, which preserves<br />
some inheritance rights for the surviving<br />
spouse, as well as any fiduciary<br />
responsibilities.<br />
Legally separated spouses are considered<br />
to be still married but living<br />
their lives separately. There may be<br />
a number of reasons to do this such as<br />
children or business interests, and it<br />
does affect the estate plan and inheritance<br />
rights.<br />
(Please note that simply moving<br />
out of a shared home will not automatically<br />
equal a legal separation for<br />
estate planning purposes. It is best to<br />
have a separation agreement drafted<br />
to confirm your intention to separate.)<br />
Property Rights<br />
If the separation agreement between<br />
the spouses terminated property<br />
rights, then a spouse cannot inherit<br />
through intestacy (no will or trust).<br />
However, if the spouse is named as a<br />
joint owner or beneficiary of an account<br />
or life insurance policy, they can still<br />
inherit the assets in the account.<br />
Beneficiary Rights<br />
The separated surviving spouse<br />
will still maintain their right to inherit<br />
if they are named as a beneficiary in<br />
a will or trust. For this reason, if it is<br />
important for your spouse to inherit<br />
assets, a will or trust must be drafted<br />
with specific gifts to that spouse. In<br />
contrast, a divorced spouse named as<br />
beneficiary in a trust or will created<br />
before the divorce generally will not<br />
be a valid beneficiary.<br />
Fiduciary Roles<br />
Similarly, if the spouse is named as<br />
a trustee, executor or power of attorney,<br />
they can still fill that role. Because a<br />
legal separation prevents the spouses<br />
from remarrying, they may still be<br />
the best and most trusted party to fill<br />
the role. This is quite different from<br />
divorce, where those fiduciary nominations<br />
are automatically revoked.<br />
Estate Planning for Separated<br />
Couples<br />
Given these points, it is crucial<br />
for separating spouses to revisit their<br />
estate plan and assets, to make sure<br />
that their intentions are carried out. If<br />
they remain supportive of one another<br />
and on friendly terms, then they may<br />
wish to maintain asset distributions to<br />
their spouse, while still taking care of<br />
other heirs.<br />
In any case, if you are contemplating<br />
a legal separation you should<br />
consult with an estate planning attorney<br />
to make sure that your assets and roles<br />
are structured correctly.<br />
Please contact the attorneys at Shoup<br />
Legal, www.ShoupLegal.com or 951-<br />
445-4114 with your questions about<br />
legal separation and estate planning.<br />
LEGAL<br />
by by<br />
Andrea Steve Fillingim Shoup<br />
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Legally separated spouses are<br />
considered to be still married but living<br />
their lives separately. There may<br />
be a number of reasons to do this<br />
such as children or business<br />
interests, and it does affect the<br />
estate plan and inheritance rights.<br />
New hires? Awards? Promotions?<br />
Share your news with us on Facebook
<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
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<strong>September</strong> 20<strong>18</strong><br />
Azusa Pacific University Murrieta Regional<br />
Campus Hosts <strong>September</strong> 27th Preview Night<br />
Are you considering going back to<br />
school to complete your degree? Do you<br />
want to advance your career and are looking<br />
to pursue a graduate degree? If you<br />
find yourself asking these questions, we<br />
would like to invite you to Azusa Pacific<br />
University’s (APU) Murrieta Regional<br />
Campus Preview Night. This free event<br />
will be held on Thursday, <strong>September</strong> 27,<br />
20<strong>18</strong>, from 5:30 pm – 8:00 pm at 40508<br />
Murrieta Hot Springs Road, Murrieta.<br />
In addition, a Financial Aid Workshop<br />
will be offered at 4:30 pm to prospective<br />
students looking to learn how to maximize<br />
financial aid and scholarship opportunities.<br />
The goal of this workshop is to help<br />
the student understand the steps necessary<br />
to be financially ready to attend APU.<br />
Designed for adult students, APU<br />
Preview Night gives you an opportunity<br />
to meet faculty and staff, learn about academic<br />
programs, the admission process,<br />
financial assistance, and career opportunities<br />
within the following graduate and<br />
degree completions programs offered at<br />
the Murrieta Regional Campus:<br />
• Teacher Education: Master’s Degrees<br />
& Credentials<br />
• School Counseling & Psychology:<br />
Master’s Degrees<br />
• Business:Bachelor & Master’s Degrees<br />
• Psychology: Bachelor’s Degree<br />
• Criminal Justice: Bachelor’s Degree<br />
• Communications & Digital Media:<br />
Bachelor’s Degree (Coming in 2019)<br />
Preview Night will also include a<br />
complimentary dinner, raffle prizes, and<br />
campus tours. The application fee will<br />
be waived for all attendees who apply for<br />
a program!<br />
Azusa Pacific University is a military-friendly<br />
college committed to honoring<br />
those who serve our country by<br />
making a quality education for military<br />
members, veterans, and their families an<br />
affordable reality. A representative from<br />
APU’s Military & Veteran Services will<br />
be on hand to talk about how the students<br />
may use their military benefits. APU<br />
proudly participates in the Yellow Ribbon<br />
Program.<br />
APU is a leading Christian university<br />
and is recognized annually among the<br />
nation’s best colleges by U.S. News &<br />
World Report and The Princeton Review.<br />
The APU Murrieta Regional Campus is<br />
proud to be a part of Southwest Riverside<br />
County for over 30 years.<br />
The <strong>September</strong> 27th “APU Preview<br />
Night” is for adults and their guests (age<br />
<strong>18</strong>+). If you have questions or would like<br />
to RSVP, please call (951) 304-3400 or<br />
email: murrieta@apu.edu. To learn more<br />
about APU and these programs visit apu.<br />
edu/Murrieta.<br />
Leading in Jesus’ Wayabout Leadership<br />
EDUCATION<br />
by<br />
by<br />
Drake Levasheff, PhD.<br />
Steve Fillingim<br />
The new academic year has begun,<br />
and with it we have experienced a flurry<br />
of activity. Students are returning to<br />
campus. Faculty are in the classroom,<br />
charged for a new year. It’s so invigorating!<br />
I am savoring this season with its<br />
passion and hope. And I recognize that<br />
once it gives way, I will return to the same<br />
space all leaders occupy: basic, un-sexy,<br />
practical reality. With that, countless<br />
questions will be brought to me: Why<br />
isn’t this technology working the way it<br />
should? When will the new office spaces<br />
be available? Do we have the students<br />
we need for our next class start? The<br />
voices will rise, the pace will accelerate,<br />
and adrenaline will kick in. We will need<br />
to move forward. Instinctually, I am<br />
preparing myself to put my head down<br />
and grind until commencement next year.<br />
The risk, of course, is that I get<br />
rolling and end up in the wrong place<br />
when the year ends. If I’m not deliberate<br />
about where I am going and what I want<br />
to accomplish, I could waste energy and<br />
stray far from course. So, I need to know<br />
my direction and stay on course. How my<br />
going to do that?<br />
Some may consider this surprising,<br />
but Jesus of Nazareth shows me the<br />
way. Sure, he lived in a different time:<br />
society had a different place and slower<br />
rhythms. Jesus’ world was not propelled<br />
by technology to a breakneck pace. But<br />
the stories about him make clear that<br />
he carried a heavy leadership burden.<br />
Large crowds followed him. Opponents<br />
schemed against him. Political intrigue<br />
threatened him. And trusted friends<br />
betrayed him.<br />
In the midst of all that was going<br />
around him, Jesus understood what he<br />
was about and what he was supposed to<br />
do. The stories about him tell us that the<br />
appeals of trusted friends, the demands<br />
of the hungry crowd, and the intrigues<br />
of enemies could not keep him from his<br />
task. The Gospel of Luke says he “set his<br />
face like flint toward Jerusalem” (9:51);<br />
a maelstrom formed before him, but it<br />
would not deter him from when he was<br />
called to do.<br />
What allowed him to stay on course?<br />
Luke again provides a hint regarding<br />
what was going on: it says that Jesus<br />
would often withdraw to the lonely places<br />
to pray (5:16). Indeed, Luke recounts<br />
numerous situations in which Jesus<br />
withdrew to get direction when he had<br />
to make important decisions.<br />
I take Jesus’ example the heart.<br />
I’ve spent my share of time before the<br />
academic year started alone, clarifying<br />
what is most important and what I need<br />
to do this year. I’ve also scheduled breaks<br />
that will allow me to withdraw, reflect,<br />
and pray--so that I may make course<br />
corrections if necessary.<br />
How will it end? I may not go as far<br />
as fast. But I have hope that I will reach<br />
my goal as I lead in Jesus’ way.<br />
Dr. Drake Levasheff is Senior Director<br />
of Azusa Pacific University’s Murrieta<br />
Regional Campus. He can be reached<br />
via email at dlevasheff@apu.edu.<br />
Azusa Pacific University and KATY 101.3<br />
Announce 20<strong>18</strong>-19 Teachers are Heroes Program<br />
Azusa Pacific University (APU)<br />
and KATY, the Mix, and are proud to<br />
announce the kick-off for the 20<strong>18</strong>-2019<br />
Teachers are Heroes program. For the last<br />
five years, the APU Murrieta Regional<br />
Campus and KATY 101.3, The Mix, have<br />
partnered to honor local teachers who<br />
have dedicated themselves to serving and<br />
shaping our youth. Teachers are Heroes<br />
will begin on <strong>September</strong> 1st and will run<br />
through the last week of April 2019.<br />
Each month, KATY and APU will<br />
recognize a teacher who personifies<br />
dedication to their students. Each<br />
honoree will win great prizes from The<br />
Mix Prize Closet, a $100 Visa Gift Card<br />
from Think Wise Credit Union plus the<br />
entire class will receive a pizza party<br />
from The Pizza Factory in Temecula.<br />
At the conclusion of the school year, all<br />
selected teachers and their classes will<br />
be invited to attend an end of the year<br />
celebration ceremony!<br />
In celebration of the impact educators<br />
have in our schools, districts,<br />
and neighborhoods, we invite you to<br />
nominate the teacher-hero in your life.<br />
Teachers from the Southwest Riverside<br />
County, and nearby areas, may be nominated<br />
by students, parents, grandparents,<br />
and even other school administrators.<br />
For more information or to fill out the<br />
entry form go to www.1013themix.com<br />
or www.apu.edu/murrieta/teachers/
<strong>September</strong> 20<strong>18</strong><br />
Protect Your Eyes from UV<br />
Healthy<br />
Living<br />
by<br />
Tina Dr. Patrick M. Gottlieb, Utnehmer D.C.<br />
What a great community we live in<br />
here in sunny southern California. The<br />
sun supports life on our planet, but its<br />
life-giving rays also pose dangers. The<br />
sun’s primary danger is in the form of<br />
ultraviolet (UV) radiation. Artificial<br />
sources, like welding machines, tanning<br />
beds and lasers, can also produce<br />
UV radiation.<br />
Most people are aware of how<br />
harmful UV radiation is to the skin.<br />
However, many may not realize that<br />
UV radiation can harm the eyes, and<br />
other components of solar radiation<br />
can also affect vision. There are three<br />
types of UV radiation. UV-C is absorbed<br />
by the ozone layer and does<br />
not present any threat. However, UV-A<br />
and UV-B radiation can have long- and<br />
short-term negative effects on the eyes<br />
and vision.<br />
If your eyes are exposed to excessive<br />
amounts of UV radiation over a<br />
short period of time, you will likely<br />
experience photokeratitis. Like a “sunburn<br />
of the eye,” photokeratitis can<br />
be painful. Its symptoms include red<br />
eyes, a foreign body sensation or gritty<br />
feeling in the eyes, extreme sensitivity<br />
to light and excessive tearing. Fortunately,<br />
these symptoms are usually<br />
temporary and rarely cause permanent<br />
damage to the eyes.<br />
The longer the eyes are exposed to<br />
solar radiation, the greater the risk of<br />
developing cataracts or macular degeneration<br />
later in life. It is not clear how<br />
much exposure to solar radiation will<br />
cause damage. Therefore, whenever<br />
you spend time outdoors, wear quality<br />
sunglasses that offer UV protection and<br />
a hat or cap with a wide brim. Also,<br />
certain contact lenses can provide<br />
additional UV protection.<br />
To provide adequate protection for<br />
your eyes, sunglasses should:<br />
• Block out 99 to 100 percent of both<br />
UV-A and UV-B radiation;<br />
• Screen out 75 to 90 percent of visible<br />
light;<br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
• Have lenses that are perfectly<br />
matched in color and free of distortion<br />
and imperfection;<br />
• Have lenses that are gray for proper<br />
color recognition.<br />
If you participate in potentially<br />
eye-hazardous outdoor work or sports,<br />
your sunglass lenses should be made<br />
from polycarbonate or Trivex® material.<br />
These lenses provide the most<br />
impact resistance.<br />
If you spend a lot of time outdoors<br />
in bright sunlight, consider wearing<br />
wraparound frames for additional<br />
protection from the harmful solar<br />
radiation. Don’t forget protection for<br />
children and teenagers. They typically<br />
spend more time in the sun than adults.<br />
Protecting Your Eyes from Shorter-Wavelength<br />
Visible Light - Chronic<br />
exposure to shorter-wavelength visible<br />
light (blue and violet light) may also<br />
be harmful to the retina. Many digital<br />
devices emit this shorter-wavelength<br />
visible light.<br />
Blue light is part of the visible light<br />
spectrum. The sun emits blue light,<br />
as do artificial light sources, such as<br />
LEDs, computers and smartphones.<br />
Some types of blue light can be beneficial,<br />
helping us regulate our bodies’<br />
internal biological clocks.<br />
However, blue-violet light can be<br />
harmful to the eyes, specifically the<br />
retina. It is a risk factor for the onset<br />
of age-related macular degeneration,<br />
a deterioration of the part of the retina<br />
responsible for sharp, central vision.<br />
A recent study found that Americans<br />
spend almost 2 ½ hours on their<br />
tablets and smartphones every day. In<br />
addition, most offices and stores use<br />
fluorescent light bulbs, and LED lights<br />
are becoming increasingly popular.<br />
Lenses that absorb harmful blue<br />
light but allow beneficial blue light<br />
through your lenses are entering the<br />
marketplace. You could also apply<br />
a special clear coating to traditional<br />
lenses to enhance their ability to block<br />
these harmful rays while you use computers<br />
and smartphones.<br />
We would be happy to see you<br />
for an exam to discuss personalized<br />
options to protect your eyes.<br />
Dr. Patrick Utnehmer, Promenade<br />
Optometry & Lasik, (951) 296-2211.<br />
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THE VALLEY BUSINESS JOURNAL<br />
20 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
Rancho Springs NICU Wins Top Award<br />
Rady Children’s Level II Neonatal<br />
Intensive Care Unit (NICU) at Rancho<br />
Springs Medical Center received the<br />
Top Performer Award from Professional<br />
Research Consultants, Inc. (PRC) for<br />
Overall Quality of Care, recognizing the<br />
achievement of 100 percent in patient<br />
satisfaction scores.<br />
These nationally recognized awards<br />
are presented to organizations who have<br />
achieved excellence throughout the prior<br />
year. Kristen Johnson, Chief Nursing<br />
Officer for Rancho Springs Medical<br />
Center (a campus of Southwest Healthcare<br />
System), stated, “We are proud of<br />
our commitment to a higher quality of<br />
care that we strive for each and every<br />
day here at the Family Birth Center at<br />
Rancho Springs. The accolades we have<br />
received from the professional healthcare<br />
community is evident that our staff, our<br />
nurses and our physicians are among the<br />
best in their field.”<br />
Alison Decker, a mom who recently<br />
delivered at the Family Birth Center at<br />
Rancho Springs Medical Center, said this<br />
about her experience: “Right away the<br />
nurse introduced herself and we were always<br />
in the know. It is important to have<br />
that relationship and trust the nurse that<br />
is taking care of you. I felt that trust and<br />
was comfortable in every way. I would<br />
recommend Rancho Springs 110 percent<br />
without any reservation. Rancho Springs<br />
gave me a five-star experience.”<br />
The Family Birth Center at Rancho<br />
Springs also features:<br />
• The largest birthing center in the<br />
region<br />
• The highest Level II NICU in the<br />
region — Rady Children’s<br />
• OB hospitalists on-site 24/7<br />
• 4/7 OB emergency department<br />
• Complete couplet care<br />
• All private suites<br />
The Family Birth Center at Rancho<br />
Springs leads the way in developing<br />
quality of care initiatives for expectant<br />
moms in Southwest Riverside County. It<br />
is one of the most decorated and awarded<br />
birthing centers in the region.<br />
• Awarded Blue Cross Blue Shield Distinction<br />
for expertise specialty care in<br />
maternity services<br />
• Rady Children’s Hospital San Diego<br />
named top five in the nation by<br />
U.S. World and News Report for<br />
2017/20<strong>18</strong><br />
• Awarded the International Board of<br />
Lactation Consultant and Examiners<br />
excellence in lactation care for the<br />
second consecutive time<br />
The Foundation for Senior Care Fall Benefit the “Big Show<br />
10,000, that’s the number of people<br />
each day in the US that reach 65<br />
and attain Senior Citizen status. While<br />
today’s newest senior may not be the<br />
stereotypical elderly person who’s<br />
retired, infirmed, or inactive, there are<br />
still new needs and concerns facing this<br />
aging cohort. We are in the middle of<br />
the largest aging population boom ever<br />
seen, and like they have always done<br />
the “boomers” (those born from 1946 –<br />
1964) are setting new trends in aging in<br />
place, need for caregiving services, and<br />
end of life care. But under this shadow is<br />
another concern, the number of seniors<br />
that are already over 65 is already more<br />
than our safety net services can support.<br />
2010 Census data reports that of the over<br />
308 million seniors in this county 32%<br />
were over the age of 75!<br />
The “Silent Generation”, those<br />
born between 1925 to 1945 is currently<br />
consuming more resources that they or<br />
our public support systems ever planned<br />
for (Social Security began in 1937 and<br />
Medicare was implemented in 1965).<br />
What happens when this new wave, the<br />
“Silver Tsunami” of seniors collides with<br />
the existing pool of seniors from the Silent<br />
Generation? There are not enough<br />
dedicated resources for seniors to cover<br />
the expense of in-home care, affordable<br />
communal or skilled residential care,<br />
or even medical management for those<br />
expected to develop Alzheimer’s disease<br />
or other dementias.<br />
The Elephant in the Room is that<br />
the individual or family is expected to<br />
assume the costs of caring for today’s<br />
elderly. While the reality is that families<br />
are underprepared to care for the current<br />
and ever rising “Silver Tsunami”.<br />
Social Security, retirement savings, and<br />
other assets are not what they once were.<br />
Consider that a moderate residential care<br />
home in Southern California runs at least<br />
$3,000 a month and Social Security benefits<br />
averages around $30,000 a year. That<br />
means a senior who needs residential care<br />
(with little medical assistance) will spend<br />
at least $36,000 a year.<br />
Medicare and other government<br />
programs provide little to no support for<br />
residential care (custodial care). Sure,<br />
people may have their homes or other<br />
resources, but the reality is that there<br />
are already a huge number of seniors<br />
with little to no family, few cash-liquid<br />
resources, and or a plan on how to handle<br />
the challenges of aging. That’s why the<br />
Foundation for Senior Care is expanding<br />
its Transportation and Care Advocate<br />
services beyond Fallbrook and into<br />
Temecula. We provide Care Advocacy<br />
and service navigation for seniors and<br />
families dealing with repeated hospitalizations,<br />
loss of the ability to drive, and<br />
aging in place situations.<br />
The Foundation for Senior Care<br />
has quietly been serving the Fallbrook<br />
community since 1979 when we were<br />
created to support the rural Fallbrook<br />
hospital. Today our mission is to provide<br />
programs and resources enabling<br />
seniors to enhance their well-being and<br />
give them a more meaningful life. The<br />
Foundation for Senior Care is a 501(c)<br />
(3) non-profit organization that serves<br />
the needs of seniors through our Senior<br />
Care Advocacy services, Adult Day Care<br />
services at “The Club”, Transportation<br />
and a Computer Learning Center. The<br />
Foundation depends on business and individual<br />
donors to provide these essential<br />
services to the community. Our annual<br />
Fall Benefit will be held on October 27th<br />
at the Vineyard at 1924 in Fallbrook. This<br />
vintage circus themed event will feature<br />
lively auctions and carnival games; it’s<br />
not your regular rubber chicken dinner<br />
fundraising event it’s the “Big Show”.<br />
The Foundation for Senior Care is<br />
located at 135 S. Mission Rd. in Fallbrook,<br />
CA. and can be reached at (760)<br />
723-7570 - online at www.foundationforseniorcare.org.<br />
We’re addressing that<br />
Elephant in the Room and are working<br />
to patch together a safety net for each<br />
senior, so they can age safely and with<br />
respect. We hope you’ll join our cause<br />
and lend your strength.<br />
Rachel Mason, MS., MA is the Executive<br />
Director.
<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
Temecula Valley Hospital<br />
Receives ‘Get with The Guidelines -<br />
Stroke Gold Plus Quality<br />
Achievement Award’<br />
21<br />
American Heart Association Award recognizes Temecula Valley<br />
Hospital’s commitment to quality stroke care<br />
Temecula Valley Hospital has received<br />
the American Heart Association/<br />
American Stroke Association’s Get<br />
with The Guidelines®-Stroke Gold<br />
Plus Quality Achievement Award.<br />
The award recognizes the hospital’s<br />
commitment to ensuring stroke patients<br />
receive the most appropriate treatment<br />
according to nationally recognized,<br />
research-based guidelines based on the<br />
latest scientific evidence. This is the<br />
second year in a row the hospital has<br />
achieved this honor.<br />
Temecula Valley Hospital earned<br />
the award by meeting specific quality<br />
achievement measures for the diagnosis<br />
and treatment of stroke patients<br />
at a set level for a designated period.<br />
These measures include evaluation of<br />
the proper use of medications and other<br />
stroke treatments aligned with the most<br />
up-to-date, evidence-based guidelines<br />
with the goal of speeding recovery<br />
and reducing death and disability for<br />
stroke patients. Before discharge, patients<br />
should also receive education on<br />
managing their health, get a follow-up<br />
visit scheduled, as well as other care<br />
transition interventions.<br />
“Temecula Valley Hospital is dedicated<br />
to improving the quality of care<br />
for our stroke patients by implementing<br />
the American Heart Association’s Get<br />
with The Guidelines-Stroke initiative,”<br />
said Darlene Wetton, CEO of<br />
Temecula Valley Hospital. “The tools<br />
and resources provided help us track<br />
and measure our success in meeting<br />
evidenced-based clinical guidelines developed<br />
to improve patient outcomes.”<br />
“We are pleased to recognize<br />
Temecula Valley Hospital for their<br />
commitment to stroke care,” said Eric<br />
E. Smith, M.D., national chairman of<br />
the Get with The Guidelines Steering<br />
Committee and an associate professor<br />
of neurology at the University of Calgary<br />
in Alberta, Canada. “Research<br />
has shown that hospitals adhering to<br />
clinical measures through the Get with<br />
The Guidelines quality improvement<br />
initiative can often see fewer readmissions<br />
and lower mortality rates.”<br />
According to the American<br />
Heart Association/American Stroke<br />
Association, stroke is the No. 5 cause of<br />
death and a leading cause of adult disability<br />
in the United States. On average,<br />
someone in the U.S. suffers a stroke<br />
every 40 seconds and nearly 795,000<br />
people suffer a new or recurrent stroke<br />
each year.<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. The<br />
hospital features 140 private patient<br />
rooms; emergency care featuring ER<br />
Reserve; advanced cardiac and stroke<br />
care; orthopedics; and general and<br />
surgical specialties. TVH is nationally<br />
recognized for Patient Safety by<br />
The Leapfrog Group, with a 2017 Top<br />
Hospital Award and 4 consecutive “A”<br />
Grades for Patient Safety in Spring<br />
20<strong>18</strong>, Fall 2017, Spring 2017 and<br />
Fall 2016. The hospital also recently<br />
received a 4 Star Medicare Hospital<br />
Compare Rating, the honor of the<br />
Inland Empire’s Top Workplaces 2017<br />
and has been designated an Aetna<br />
Institute of Quality® Cardiac Care<br />
Facility for comprehensive heart and<br />
vascular treatment-including Cardiac<br />
Medical Intervention and Cardiac<br />
Rhythm programs. For more information,<br />
visit www.temeculavalleyhospital.<br />
com<br />
About Get with The Guidelines® - Get<br />
with The Guidelines® is the American<br />
Heart Association/American Stroke<br />
Association’s hospital-based quality<br />
improvement program that provides<br />
hospitals with tools and resources to<br />
increase adherence to the latest research-based<br />
guidelines. Developed<br />
with the goal of saving lives and hastening<br />
recovery, Get with The Guidelines<br />
has touched the lives of more than<br />
6 million patients since 2001. For more<br />
information, visit heart.org.
THE VALLEY BUSINESS JOURNAL<br />
22 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
Collagen: The Fountain of Youth<br />
Healthy<br />
Living<br />
by<br />
Tina Monique M. Gottlieb, deGroot D.C.<br />
Collagen loss. It’s the sneaky part of<br />
aging that makes the biggest difference,<br />
inside and out. We hear the word “collagen”<br />
and immediately think of baby’s<br />
skin. Not only does it give skin that<br />
gorgeous bounce, but did you know that<br />
collagen is one of the body’s strongest<br />
proteins? It’s found in skin and nails,<br />
but also in our hair, tendons, and joints.<br />
It’s what holds us together and keeps us<br />
looking youthful!<br />
Noticing that your skin has lost its<br />
elasticity? Over time, our bodies produce<br />
less collagen. This is from the natural<br />
aging process. Collagen loss affects<br />
anything from joint pain to wrinkles…<br />
not fun. However, avoiding tobacco and<br />
sun exposure while keeping a healthy<br />
diet and getting your body moving are<br />
what can help reduce the decline of collagen.<br />
But what else can we do?<br />
Good news! We can turn to products<br />
to help kick start the amount of collagen<br />
our bodies produce. You’ve probably<br />
seen all the skincare geared toward<br />
collagen production, but often what they<br />
don’t tell you, is that the collagen protein<br />
is too large to be absorbed through<br />
skin alone. This is where ingesting pure<br />
collagen can truly improve how well<br />
you absorb and produce this amazing<br />
protein. With benefits that go beyond<br />
just skin that bounces back. Improved<br />
digestion, better hydration, and less<br />
joint and muscle pain have all given<br />
major credits to collagen supplements.<br />
The best part? These products come in<br />
a wide variety – from powders to coffee<br />
creamers, there’s a product out there that<br />
will work for you and benefit your body<br />
inside and out! I personally like Vital<br />
Proteins Collagen, but you can do your<br />
research and find one that works for you.<br />
We all want to find that “fountain<br />
of youth,” and it isn’t too late to start<br />
looking after our bodies in a way that<br />
really counts! Collagen is a great way<br />
to slow the aging process.<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 />
Temecula Valley Hospital Designated an Aetna Institute<br />
of Quality® Cardiac Care Facility for Cardiac Medical<br />
Intervention and Cardiac Rhythm Programs<br />
Temecula Valley Hospital has been<br />
designated an Aetna Institute of Quality®<br />
Cardiac Care Facility for comprehensive<br />
heart and vascular treatment-including<br />
Cardiac Medical Intervention<br />
and Cardiac Rhythm programs.<br />
Aetna makes information about the<br />
quality and cost of health care services<br />
available to its members to help them<br />
make informed decisions about their<br />
health care needs. In line with this goal,<br />
Aetna recognizes hospitals and facilities<br />
in its network that offer specialized<br />
clinical services for certain health<br />
conditions. Facilities are selected for<br />
consistently delivering evidence-based,<br />
safe care.<br />
“We are thrilled with this wonderful<br />
achievement,” said Darlene Wetton,<br />
Chief Executive Officer of Temecula<br />
Valley Hospital. “With our recent expansion,<br />
TVH will now offer additional<br />
services to our patients needing cardiac<br />
care. Two new cardiac catheterization<br />
labs have been added. One is designed<br />
specifically as an Electrophysiology Lab<br />
for the treatment of cardiac arrhythmias,<br />
including atrial fibrillation and the<br />
placement of cardiac devices, such as<br />
pacemakers and implantable cardiac<br />
defibrillators. We want our community<br />
to know that we are committed to patient<br />
safety and exceptional quality for<br />
cardiac care and in everything we do at<br />
Temecula Valley Hospital.”<br />
About Temecula Valley Hospital - Temecula<br />
Valley Hospital brings advanced<br />
technology, innovative programs, patient<br />
centered and family sensitive care<br />
to area residents. The hospital features<br />
140 private patient rooms; emergency<br />
care featuring ER Reserve; advanced<br />
cardiac and stroke care; orthopedics;<br />
and general and surgical specialties.<br />
TVH is nationally recognized for Patient<br />
Safety by The Leapfrog Group,<br />
with a 2017 Top Hospital Award and<br />
4 consecutive “A” Grades for Patient<br />
Safety in Spring 20<strong>18</strong>, Fall 2017, Spring<br />
2017 and Fall 2016. The hospital also<br />
recently received a 4 Star Medicare<br />
Hospital Compare Rating and the honor<br />
of the Inland Empire’s Top Workplaces<br />
2017. For more information, visit www.<br />
temeculavalleyhospital.com<br />
UHS of Delaware, Inc. Confidentiality<br />
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any attachments, is for the sole use of the<br />
intended recipient(s) and may contain<br />
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Any unauthorized review, use, disclosure<br />
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<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
23<br />
Remaining Emotionally Fit in Everyday Chaos<br />
by Dr. Candace Walters<br />
Albert Einstein said, “Life is like<br />
riding a bicycle. To keep your balance,<br />
you must keep moving.”<br />
As women we mentally function<br />
from many different levels—wearing a<br />
different pair of “shoes” on each step,<br />
juggling family, work, bills, or even<br />
our own health. Granted, we attempt<br />
to keep our emotions leveled, but it<br />
can be an inevitable defeat. Balance is<br />
what we’re told we must procure for<br />
wellness; however, a balanced life is<br />
not a one-size-fits-all. Discovering a<br />
stable mental place, where happiness<br />
can flourish, while accepting despondency,<br />
is the actual key.<br />
Often, women are taught to find<br />
optimism while placing our adverse<br />
emotions to the back. Yet, there are<br />
times when pessimism is valid, even<br />
welcomed. Suppressing our true emotions<br />
to move onto the next task is<br />
seldom favorable, emotionally, or<br />
otherwise. And with life’s challenges,<br />
finding total peace can be an emotional<br />
struggle that is partial to no one or state<br />
of mind.<br />
However, a positive, emotional<br />
state is not only healthy, but it is also<br />
empowering, and it allows us to see the<br />
end of a journey even in the darkest<br />
of moments. Sometimes we develop<br />
conflicting feelings, but acknowledging<br />
our emotional state is an important part<br />
of self-care. There are several steps you<br />
can take to help balance your emotional<br />
state for an improved life.<br />
1. Allow yourself to feel and express<br />
your emotions, rationally; don’t<br />
dismiss your mental state. In fact,<br />
it’s okay to be angry, providing<br />
a rational approach is used when<br />
dissolving the issue.<br />
2. Ask for assistance, talk to someone<br />
you trust, or seek professional help<br />
on how to deal with your emotions.<br />
3. Dedicate time to yourself to reflect<br />
on your emotions, weekly. Take an<br />
Emotional Inventory. Before you<br />
start working on your emotional<br />
skills, try to measure your current<br />
emotional balance.<br />
4. Identify your Emotional strengths<br />
and weaknesses. Jealously and anger<br />
can be uncomfortable emotions,<br />
but they are still real factors in the<br />
realm of life. Agreeing to discuss<br />
your feelings and their related reasons<br />
will help suppress the negativity,<br />
and you’ll gain an understanding<br />
of the balance your own emotions<br />
can create within yourself.<br />
5. Each day, adopt quality and quiet<br />
time for yourself. Women who fail<br />
to take time to recharge their physical<br />
and emotional batteries often<br />
experience overwhelming stress and<br />
depleted wellness.<br />
Learning different techniques will<br />
assist you on the journey to acquiring<br />
emotional balance. If you, or someone<br />
you know, are having difficulty balancing<br />
emotionally, contact The Walters<br />
Group for a 60-minute complimentary<br />
consultation. You’ll be glad you did.<br />
Dr. Candace is CEO for The Walters<br />
Group. Dr. Candace often affirms<br />
“Not every woman requires therapy,<br />
most of us just need an accountability<br />
partner”. Contact number is 951-<br />
541-4986.<br />
“<br />
Balance is what we’re told we must<br />
procure for wellness; however, a<br />
balanced life is not a one-size-fitsall.<br />
Discovering a stable mental place,<br />
where happiness can flourish, while<br />
accepting despondency, is the<br />
actual key.
THE VALLEY BUSINESS JOURNAL<br />
24 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
EXECUTIVE PROFILE | Darlene Wetton<br />
Growing up in the local mountains<br />
of Lake Arrowhead provided me<br />
with a wonderful appreciation of<br />
community engagement. When<br />
you live in a small community, your<br />
extended family is your church,<br />
school, firehouse and hospital.<br />
Although much larger, the City of<br />
Temecula has this same sense of<br />
community. When my husband<br />
and I moved here in 2012, we were<br />
so impressed with the kindness<br />
and generosity of everyone we met.<br />
Before moving to this beautiful<br />
region, we were warned that it can<br />
get ‘warm’ in the summers. No one<br />
mentioned that the temperature<br />
would reach over 110 in October<br />
that first year!<br />
It was very important for me to integrate<br />
closely into this community before<br />
opening the new hospital. I needed to<br />
understand the quality of life, health<br />
patterns, overall demographics and physician<br />
resources. I was so impressed with<br />
the level of community engagement and<br />
strong support for volunteerism. A year<br />
before the hospital opened, a Community<br />
Advisory Group was formed to listen and<br />
learn about the health care needs of this<br />
region. This important group of community<br />
leaders and physicians volunteered<br />
their time to establish the foundation of<br />
the new hospital. Just prior to the hospital<br />
opening, they transitioned into the first<br />
Board of Governors for Temecula Valley<br />
Hospital. I will always be indebted to<br />
their sound knowledge and advice.<br />
Affiliations<br />
I chair the 2015 Executive Leadership<br />
Team for the American Heart and Stroke<br />
Association in South Riverside County.<br />
We really raised the bar at this year’s Heart<br />
and Stroke Walk held on May 8th at Lake<br />
Skinner. Over 3,000 walkers participated<br />
and more connect: than $150,000 ghassler@atwork.com was raised to build<br />
healthier lives free of cardiovascular disease<br />
and stroke.<br />
I am an advocate for higher education and<br />
serve on the Advisory Board for the Dean of<br />
Health and Humanities at California State<br />
University, San Marcos. CSU San Marcos<br />
has a satellite campus and outreach<br />
activities that promote transition of local<br />
high school graduates in our region into<br />
the University system.<br />
In addition, I am a Board Member of the<br />
Boys and Girls Club of Southwest Riverside<br />
County whose mission is to inspire<br />
and enable all youth to realize the full<br />
potential as productive, responsible and<br />
caring citizens.<br />
Business Philosophies<br />
Providing a clearly defined framework<br />
and developing an intentional culture that<br />
promotes the values of the organization<br />
are paramount to business success. Our<br />
framework is focuesed on the delivery of<br />
patient centered, family sensitive care to<br />
the community that we serve. Our most<br />
important value is compassion and this<br />
drives the culture of the hospital.<br />
My priority as the leader of the organization<br />
is to drive rapid quality improvement and<br />
provide for patient safety. This is<br />
accomplished by choosing, developing<br />
and aligning a leadership<br />
team capable of transformational<br />
tasks, and holding this team accountable<br />
for exceptional performance.<br />
Favorite Sport<br />
I love any sports involving water,<br />
although my kids will tell you that<br />
this is limited to sports where I don’t<br />
get my hair wet. I enjoy house boating,<br />
waterskiing and have recently<br />
taken up stand-up paddle boarding.<br />
I’m the proud owner of my own<br />
pink stand up paddleboard now.<br />
Goals<br />
To continue to follow the Lord’s path for my<br />
life and to enjoy as much time as I possibly<br />
can with my beautiful husband, children<br />
and grandchildren.<br />
Mentors<br />
My parents have been wonderful mentors<br />
for me my entire life. Their passion for<br />
adventure, love for one another, and focus<br />
on faith has served as guiding principles.<br />
Throughout the many challenges in their<br />
lives, they have shared through example<br />
that life is not waiting for the storm to pass.<br />
It’s about learning to dance in the rain.<br />
Favorite Reading<br />
I enjoy legal intrigue by John Grisham,<br />
heart-wrenching love stories by Nicholas<br />
Sparks and Southern fiction by Pat Conroy.<br />
“Prince of Tides” by Pat Conroy is a great<br />
summer read.<br />
Resume<br />
I attained a Bachelor’s degree in nursing<br />
from Cal State Dominguez Hills and<br />
enjoyed working as a Registered Nurse<br />
in the specialty field of Oncology. I went<br />
back to school while raising my family<br />
and attained my MBA from Webster<br />
University where I was recognized as<br />
valedictorian in my graduating class.<br />
I progressed through my health care<br />
career to executive level positions including<br />
Chief Nursing Officer and Chief<br />
Operating Officer. I now serve as the<br />
Chief Executive Officer for Temecula<br />
Valley Hospital.<br />
Birthplace<br />
I’m a native Californian and was born at<br />
Hemet hospital.
<strong>September</strong> 20<strong>18</strong><br />
Finished Industrial Land Equals More<br />
Local Jobs<br />
by Charley Black<br />
Since I arrived in the late 1980’s,<br />
every local City has stated that one of<br />
their key goals is to create more and<br />
higher quality local jobs. For decades,<br />
too many of our local residents have<br />
been forced to venture out in the predawn<br />
hours to fight the traffic up and<br />
down the I-15 as they head to their<br />
higher paying jobs in San Diego, Orange<br />
and LA Counties. Our residents are then<br />
rewarded by an even longer return evening<br />
commute which brings them home<br />
late for dinner, only to have to repeat<br />
the same routine the next morning. The<br />
stress that these long commutes put on<br />
families, roads and overall quality of<br />
life are well documented, but won’t be<br />
addressed here.<br />
For 30 years this same cycle as<br />
continued with little improvement. The<br />
lack of balance between the thriving<br />
population vs. a scarcity of quality local<br />
jobs remains one of the most concerning<br />
issues facing every local City.<br />
In recent years, new industrial<br />
businesses have arrived, and existing<br />
businesses HAVE expanded locally. But<br />
the source for this growth – plentiful vacant<br />
buildings resulting from the Great<br />
Recession – has dried up. Today, there<br />
are no more empty buildings available<br />
for these job producers. The area’s<br />
industrial vacancy rate is under 2%.<br />
Few speculative buildings are under<br />
construction or in the planning stages.<br />
If business is going to move or expand<br />
in SW Riverside County, industrial<br />
businesses are going to have to buy land<br />
and build their facility from the ground<br />
up. The solution seems simple: these<br />
new and growing businesses simply<br />
need to buy a finished “shovel ready”<br />
lot, build their facility and hire from the<br />
local job pool. The logical result of this<br />
process would meet every city’s goal of<br />
reducing the resident / commuter ratio<br />
which leads to a stronger and thriving<br />
community. The process as described<br />
seems reasonable and attainable, right?<br />
Unfortunately, the above process only<br />
works if a company is able to locate and<br />
purchase “finished, shovel ready” lots.<br />
Herein lies the problem: If a hypothetical<br />
100,000 sq. ft medical manufacturer<br />
is interested in purchasing a<br />
5 to 10 acre finished parcel and wants<br />
to build their own facility within the<br />
cities of Temecula, Murrieta, Wildomar,<br />
Lake Elsinore, Menifee or surrounding<br />
county areas, – there are ZERO sites<br />
available. There are only 3 locations<br />
that even HAVE finished land in excess<br />
of 5 acres. But for reasons that would<br />
take on a whole other article, these rare<br />
parcels are not for sale.<br />
One would think “there’s plenty of<br />
vacant land in the area…you just need<br />
to grade it, bring in the utilities, pave a<br />
few streets and you’re in business”. Not<br />
so fast - those days are over!<br />
Today, the process to convert raw<br />
land to finished parcels is incredibly<br />
difficult, requiring seemingly unlimited<br />
amounts of money, time, expertise, and<br />
patience. And did I mention it takes a<br />
lot of time money?!?<br />
THE VALLEY BUSINESS JOURNAL<br />
www.TheValleyBusinessJournal.com<br />
One of my clients who is an experienced,<br />
established developer recently<br />
had to work through the following agencies<br />
and jurisdictions in his attempt to<br />
transform 5 raw acres into a buildable<br />
parcel:<br />
FEMA, Army Corps of Engineers,<br />
CA Dept. of Fish and Game, Riverside<br />
County Flood Control, Pechanga Indian<br />
Tribe, County Habitat Conservation,<br />
with honorable mentions to city planning,<br />
engineering, So Cal Edison and the<br />
local water district, among others. One<br />
of my favorites: he had to collect on site<br />
water to test if there were endangered<br />
fairy shrimp! I’m not making this up!<br />
This process took years and his costs<br />
were astronomical.<br />
What used to be a seemingly<br />
straightforward process (creating finished<br />
lots) has now evolved into a<br />
long and expensive process. Business<br />
owners don’t have the time or expertise<br />
to tackle this difficult task. Similarly,<br />
individual land owners don’t have the<br />
resources to complete the process. Only<br />
a handful of large developers have the<br />
resources necessary to reach the finish<br />
line (and these large developers aren’t<br />
lining up to build in SW Riverside Co).<br />
The solution to solving the finished land<br />
shortage is complex. The solution will<br />
require the cooperation, communication<br />
and participation of the local cities,<br />
county, utility providers, state and federal<br />
agencies – many of which are listed<br />
above. In my client’s words: “There<br />
are absolutely too many agencies and<br />
layers to overcome. My request to the<br />
City is: give me a concise and consistent<br />
path on which to proceed. Provide<br />
us with milestones. Provide a point of<br />
contact for resolution if the milestones<br />
are not achieved. Time is as important<br />
as dollars”. He’s not looking to bend<br />
the rules, he simply needs to know what<br />
the rules are!<br />
In the end, it is the individual CITY<br />
who is the largest stakeholder in this<br />
quest to provide quality jobs for its citizens.<br />
Don’t misunderstand my point:<br />
the CITY is not necessarily the problem<br />
(well sometimes, yes!). Most of the<br />
agencies listed aren’t under the City’s<br />
control. But it’s our local cities (with<br />
the assistance of private land owners and<br />
the development community) who have<br />
the resources, contacts and influence to<br />
reach and communicate with the utilities,<br />
county, state and federal agencies.<br />
If the City doesn’t take the lead in this<br />
issue, who else is going to?<br />
Charley Black is a Senior Vice<br />
President and co-founder of Temecula<br />
Valley’s Lee & Associates Commercial<br />
Real Estate office, specializing in<br />
industrial, land and investment properties<br />
since 1988. Lee & Associates<br />
is a full-service commercial brokerage<br />
offering industrial, office, retail, land<br />
and investment expertise.<br />
25
THE VALLEY BUSINESS JOURNAL<br />
26 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
2017-20<strong>18</strong> Murrieta/Wildomar Award Honorees<br />
CONTINUED FROM PAGE 1<br />
Chairman’s Choice.............................. Derric Gonzalez<br />
Ambassador of the Year..................... Cindy Warren<br />
Fire Fighter of the Year...................... Engineer Travis Anderson<br />
Police Officer of the Year................... Corporal Enrique Romero<br />
Visionary............................................. Tammy Wilson<br />
Chamber Member of the Year.......... April Vidal<br />
Entrepreneur of the Year................... Sandy Word<br />
Small Business of the Year ................ Inland Wharf Brewing Co.<br />
Medium Business of the Year ........... South Pacific Financial<br />
Large Business of the Year................. Dunkin Donuts<br />
Non-Profit of the Year ....................... Michelle’s Place Breast Cancer<br />
Resource Center<br />
Wildomar Volunteer of the Year ...... Erin Hartley<br />
Murrieta Volunteer of the Year ........ Tracy Bouvet<br />
Wildomar Citizen of the Year........... Amy Pitotti<br />
Murrieta Citizen of the Year............. Wes Schaeffer<br />
Thank you to our Sponsors:<br />
Title Sponsor - City of Murrieta<br />
Diamond Sponsors: Abbott | Kaiser Permanente | Loma Linda University<br />
Medical Center- Murrieta | Murrieta Spectrum | Pechanga Resort & Casino<br />
| Southwest Healthcare System | Waste Management<br />
Gold Sponsors: Riverside County Third District Supervisor| Alta Pacific<br />
Bank Altura Credit Union |California State University San Marcos |<br />
Eastern Municipal Water District | Elsinore Valley Municipal Water District<br />
|GOScH Ford Temecula | Hitzeman & Evenson, APC | JD Promotions<br />
| Lake Elsinore Storm | Pacific Premier Bank | Southern California Gas<br />
Company |Southwest Riverside County Association of Realtors | Starway<br />
Productions | Stromsoe Insurance Agency<br />
Thank You, Kip Cothran KC Photography<br />
“Successful people do what unsuccessful<br />
people are not willing to do. Don’t wish it<br />
were easier; wish you were better.”<br />
~ Jim Rohn<br />
Temecula Sunrise Rotary<br />
CONTINUED FROM PAGE 1<br />
But he has made his mark during<br />
the year since he joined, and was<br />
happy to be named the club’s new<br />
president.<br />
John is a Southern California native,<br />
having spent his life in LA, San<br />
Luis Obispo, San Diego and now Temecula.<br />
After leaving his home town<br />
of Rancho Palos Verdes for college in<br />
San Luis Obispo, John graduated from<br />
Cal Poly with a bachelor’s degree in<br />
Biochemistry. He then moved to San<br />
Diego where he began his 20+ year career<br />
in pharmaceutical manufacturing.<br />
John is currently the Manufacturing<br />
Manager for Kinnovate Life Sciences<br />
in Oceanside.<br />
John and India, his wife of 16<br />
years, have two lovely daughters,<br />
Amelia (13) and Clara (10). John is<br />
first and foremost a family man. He<br />
loves nothing more than spending<br />
time with his girls and taking them<br />
on adventures, our National Parks<br />
being a family favorite destination.<br />
He strongly believes in “Service above<br />
Self” and instilling that value in his<br />
children. John and his daughters did<br />
hands-on volunteer work with Feeding<br />
America San Diego, until they moved<br />
to Temecula in 2015.<br />
While John was searching for a<br />
new way to volunteer in his new town,<br />
he discovered the Temecula Sunrise<br />
Rotary Club. Soon after joining, he<br />
began taking his daughters with him to<br />
clean bus benches on Saturday mornings<br />
and even had the whole family<br />
volunteer at the annual Christmas Dinner<br />
in Old Town. Both of these events<br />
are projects of Temecula Sunrise.<br />
Rotary club presidents often<br />
choose a new project for their clubs<br />
that are close to their hearts. As club<br />
president, John is very excited to<br />
partner with the Boys & Girls Club<br />
to bring the FIRST Lego League to<br />
Temecula Valley. John has been a<br />
league volunteer and coach for his<br />
daughter’s teams, Team Sparks and<br />
The Robo Pandas, for the last five<br />
years. He wants to expand the world<br />
of engineering, robotics and computer<br />
programming to children from all<br />
walks of life in the Temecula Valley<br />
and encourage them to dream big.<br />
Joining John on the Temecula<br />
Sunrise Rotary Board of Directors this<br />
year are President-Elect Bob Davies,<br />
Immediate Past President Mark Sitar,<br />
Secretary Jean Weinfurter, Treasurer<br />
Tim Freese, Membership Director<br />
Jessica Christopher, Rotary Foundation<br />
Director Johnny Roberts, Public<br />
Relations Director Myra Allen, and<br />
Executive Secretary Marti Treckman.<br />
For more information about Temecula<br />
Sunrise Rotary and its work in<br />
the community, please call 951-698-<br />
6116. The Club meets every Tuesday<br />
at 7:30 am at Journey’s End at<br />
Pechanga, the golf course restaurant.
<strong>September</strong> 20<strong>18</strong><br />
A ‘Wobbly’ Housing Market<br />
REAL ESTATE<br />
by by<br />
Gene Steve Wunderlich Fillingim<br />
Last month I talked about the apparent<br />
correction our housing market<br />
appears to have entered. Within days<br />
headlines from MSNBC and others<br />
were howling about the impending<br />
housing ‘CRASH’. So the question<br />
these days is ‘Are we headed for a<br />
crash, or just a correction?’ At the risk<br />
of disagreeing with MSNBC (when<br />
was the last time I agreed with MSN-<br />
BC?), I’m sticking with ‘correction’,<br />
and here’s a few reasons why.<br />
• While this housing recovery<br />
has been slow in many areas, including<br />
ours, we have technically been in<br />
that recovery phase for about 9 years.<br />
That’s a pretty good run as recoveries<br />
go and while there are few indicators<br />
of a pending crash, a little attitude<br />
adjustment may be in order.<br />
• Locally sales are off 9%<br />
year-to-date (7,008 / 6,372) but prices<br />
are still up 7% ($344,726/ $371,788).<br />
That’s not a crash. A crash is when<br />
sales drop by half like they did in 2007<br />
and prices dive by 45% or more, like<br />
they did in 2009.<br />
• The underlying fundamentals<br />
of our economy appear strong<br />
with record high employment, rising<br />
wages, GDP and consumer confidence<br />
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up, taxes down (except in CA) and other<br />
leading indicators. Most reputable<br />
prognosticators are not seeing a market<br />
adjustment of any significance on the<br />
horizon, although most are anticipating<br />
some correction within the next <strong>18</strong> – 24<br />
months. We might be getting ours a bit<br />
earlier than the rest of the country.<br />
So, what’s behind the slowdown?<br />
Most would point to interest rate increases,<br />
rising prices and the fact that<br />
wages have not increased at a rate commensurate<br />
with these other increases.<br />
While the Fed didn’t raise rates last<br />
month, they indicated that there may<br />
be 2 more increases this year. Mortgage<br />
interest rates are already up nearly ½%<br />
this year and, while still low by historic<br />
standards, when juxtaposed with rising<br />
prices it impacts buying power. As a<br />
result, mortgage applications dropped<br />
to a four-year low in July.<br />
Where we are today has the government<br />
removing itself from the policy of<br />
keeping interest rates artificially low, as<br />
they did for much of the past decade.<br />
While low rates did have a stimulative<br />
effect on the market, they also allowed<br />
prices to appreciate at a rate faster than<br />
practicable. While our local market may<br />
not have fully recovered to its pre-crash<br />
price level, many areas of the state met<br />
or exceeded their previous high – notably<br />
those already inflated areas like the<br />
Bay Area, Silicon Valley, and areas of<br />
the OC and San Diego.<br />
A house that might sell for $500,000<br />
today, would likely have commanded<br />
closer to $400,000 had interest rates<br />
been allowed to respond to the market.<br />
That does two things – first, many current<br />
homeowners either bought at an<br />
attractive rate or refi’d down to a great<br />
rate. I reduced my personal mortgage<br />
by over $700 a month and I wager most<br />
of you took advantage of similar rate<br />
reductions. But with a
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THE VALLEY BUSINESS JOURNAL<br />
28 <strong>September</strong> 20<strong>18</strong>
<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
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29<br />
Thornton winery jazz concerts<br />
jazzconcerts.com • thorntonwine.com<br />
(951) 699-0099<br />
Saturday, <strong>September</strong> 8 - 7 p.m.<br />
Jeffrey Osborne<br />
GENERAL ADMISSION: $85, GOURMET SUPPER PACKAGE: $160<br />
Saturday, <strong>September</strong> 15 - 7 p.m.<br />
Dave Koz & Friends<br />
Summer Horns Tour<br />
featuring Gerald Albright, Rick Braun & Richard Elliot<br />
and introducing Aubrey Logan<br />
GENERAL ADMISSION: $95, GOURMET SUPPER PACKAGE SOLD OUT<br />
Sunday, <strong>September</strong> 16 - 5 p.m.<br />
GENERAL ADMISSION: $85, GOURMET SUPPER PACKAGE: $160<br />
Sunday, <strong>September</strong> 23 - 5 p.m.<br />
KENNY G<br />
GENERAL ADMISSION: $95, GOURMET SUPPER PACKAGE: SOLD OUT<br />
Saturday, <strong>September</strong> 29 - 7 p.m.<br />
Peter White & Euge Groove<br />
GENERAL ADMISSION: $55, GOURMET SUPPER PACKAGE: $160<br />
Sunday, October 7 - 4 p.m.<br />
Mindi Abair & the Bone Shakers<br />
Peet Project<br />
GENERAL ADMISSION: $75, GOURMET SUPPER PACKAGE: $160<br />
Saturday, October 13 - 7 p.m.<br />
Boney James<br />
GENERAL ADMISSION: $85, GOURMET SUPPER PACKAGE: $160<br />
(951) 699-0099
THE VALLEY BUSINESS JOURNAL<br />
30 www.TheValleyBusinessJournal.com<br />
<strong>September</strong> 20<strong>18</strong><br />
The Temecula Chamber of Commerce<br />
Invites the Community to Attend the<br />
20<strong>18</strong> ‘Monte Carlo Extravaganza’<br />
<strong>September</strong> 11th Remembrance at<br />
Temecula’s Duck Pond<br />
Please join the City of Temecula<br />
on the 17th anniversary of <strong>September</strong><br />
11th as we remember and honor those<br />
we lost. The ceremony will be held at<br />
the Temecula Duck Pond (located on<br />
the corner of Rancho California and<br />
Ynez Roads).<br />
The program is scheduled to begin<br />
Tuesday, <strong>September</strong> 11, 20<strong>18</strong> promptly<br />
at 6:30 pm. City leaders will be on hand<br />
to recount the events of that day. All<br />
guests are invited to leave a message<br />
in our Keepsake Journal and take a<br />
quiet moment of reflection followed by<br />
refreshments and light music.<br />
For more information, please contact<br />
the Community Services Department at<br />
(951) 694-6480.<br />
Join the Temecula Valley Chamber<br />
of Commerce for the 27th Annual<br />
Monte Carlo Extravaganza on<br />
Wednesday, <strong>September</strong> 19th. This<br />
year’s theme is Rat Pack and the<br />
event will be held at the beautiful<br />
Wilson Creek Winery from 5:30pm<br />
– 8:30pm. This exciting night is<br />
sponsored by Pechanga Resort &<br />
Casino. It will feature Las Vegas<br />
style gaming, food & drink competition,<br />
music, prizes and much more!<br />
The Grand Prize Sponsors<br />
are Paradise Chevrolet Cadillac,<br />
Insurance All Stars Agency, Temecula<br />
Valley Hospital and The Law<br />
Offices of Rosenstein and Associates.<br />
Guests can experience the<br />
High Rollers Club, sponsored by<br />
Corner Bakery Café and spin the<br />
prize wheel sponsored by Hamel<br />
Contracting, Inc. In addition to the<br />
main floor Las Vegas Style gaming,<br />
the event will feature a Poker Tournament.<br />
The winner will receive<br />
a prize valued at $500! The Poker<br />
Tournament buy-in is $50 and has<br />
limited seating, so make your<br />
reservation early!<br />
Tickets to attend are $25,<br />
pre-sale only. All tickets include<br />
entry to grand prize opportunity<br />
drawings, $200 in play money for<br />
casino games, samples of food,<br />
and entertainment.<br />
Advertising opportunities<br />
are available. Advertising at<br />
the Monte Carlo Extravaganza<br />
provides exposure for your company<br />
to many local businesses<br />
and community members. This<br />
includes recognition on the Monte<br />
Carlo website, social media,<br />
email blasts and announced at the<br />
event for over 300 people to hear.<br />
This event is open to the community,<br />
ages 21 and over.<br />
For additional information about<br />
advertising opportunities or<br />
to obtain tickets, contact the<br />
Chamber at 951-676-5090 or<br />
visit http://temecula.org/montecarlo-extravaganza/.
<strong>September</strong> 20<strong>18</strong><br />
THE VALLEY BUSINESS JOURNAL<br />
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31<br />
$200M Expansion Moves Forward<br />
CONTINUED FROM PAGE 1<br />
His topic was, “Traffic and the<br />
I-15 Corridor.” Thomas was representing<br />
the “Move I-15 Through<br />
Temecula Valley” regional taskforce,<br />
a taskforce comprised of representatives<br />
from the five regional cities of<br />
Lake Elsinore, Menifee, Murrieta,<br />
Temecula, and Wildomar; from Pala,<br />
Pechanga, and county and governmental<br />
entities, such as CalTrans and<br />
Camp Pendleton. “Our focus,” said<br />
Thomas, “is on unity and collaboration<br />
among all parties, and to work<br />
towards decision making and implementation<br />
to ease the problem of<br />
traffic on the I-15 Corridor.” He was<br />
invited to speak to the EDC board to<br />
educate Board members as to what<br />
is at stake, said EDC Director, Doug<br />
McAllister. “It’s important that government<br />
hears from the private sector<br />
to help them make good decisions.”<br />
A report on the progress of the<br />
Temecula Parkway Interchange at<br />
I-15 noted that construction should<br />
be completed by the end of this year.<br />
The $200 million French Valley Interchange<br />
will likely begin as early as<br />
2020, the caveat being that funding<br />
for this phase comes in part from the<br />
new gas tax implemented by the state<br />
legislature in 2017. If the ballot measure<br />
known as Proposition 6 on the<br />
November 20<strong>18</strong> ballot is passed by<br />
a majority of voters, the gas tax will<br />
be repealed and the bulk of funding<br />
for the French Valley Interchange<br />
dissipates.<br />
Of note was Thomas’ report<br />
that from data mining, officials now<br />
see that most of the traffic that bogs<br />
down in and around Temecula’s portion<br />
of the I-15 is actually traffic that<br />
is heading to or coming from cities<br />
north of Temecula. Because of cell<br />
phones and GPS capabilities, data<br />
mining companies can tell where<br />
travelers are coming from, where<br />
they are going and how often each<br />
car makes that trip for the entire<br />
length of Interstate 15.<br />
The plans for the French<br />
Valley Interchange include<br />
adding two lanes to northbound<br />
15, beginning at the Winchester<br />
road north onramp and a “flyover”<br />
connector from that point<br />
to northbound 15 that will keep<br />
traffic from becoming tangled<br />
with traffic trying to head north<br />
to Interstate 215. Phase 3 will be<br />
the overpass over the freeway<br />
that will complete the French<br />
Valley on-and-off ramps and<br />
add additional lanes to the 15<br />
in both directions.<br />
Sticking points described<br />
by Thomas included the fact<br />
that CalTrans admitted that<br />
they do not construct “capacity<br />
enhancing projects” such<br />
as adding lanes to ease traffic.<br />
They explained that the regional<br />
partners are tasked with doing<br />
those kinds of developments.<br />
CalTrans will, however, add<br />
auxiliary lanes between exits, such<br />
as truck climbing lanes. These are<br />
dubbed, “operational improvements.”<br />
Also, the city of Temecula did<br />
make a bid for Federal funding<br />
through a long and complicated<br />
proposal process where it was competing<br />
with cities across the States<br />
for a piece of the pie from a $200<br />
Billion Federal allocation. Going up<br />
against behemoths such as Chicago<br />
and Los Angeles, Temecula held its<br />
own for two go-rounds before being<br />
eliminated. Thomas is not discouraged,<br />
however, and said the city will<br />
try again next year and the next, if<br />
necessary.<br />
Other city projects related to<br />
improving the traffic on Interstate<br />
15 include:<br />
• Western Bypass<br />
• Diaz Road Widening<br />
• Overland Drive Extension and<br />
Bridge<br />
• Butterfield Stage Road, Phase 3<br />
• Ynez Road Widening<br />
• Fiber Optic Communication/<br />
Traffic Signal Coordination<br />
System Upgrade<br />
The EDC is a membership organization<br />
comprised of area businesses<br />
and corporations. “The Economic<br />
Development Coalition is a place<br />
for business leaders who want to be<br />
involved in the Region’s positive<br />
growth and influence the direction<br />
in which we are going. Through the<br />
dedicated efforts of our members,<br />
our organization addresses our Regions<br />
unique challenges, and fosters<br />
the growth and success of our local<br />
economy,” said McAllister.<br />
For more information, please contact<br />
Doug McAllister at the EDC offices,<br />
951-694-9800, or Pat Thomas at the<br />
City of Temecula, 951-506-6153.<br />
Ignorance harbors fear, knowledge<br />
unleashes acceptance. Be enlightened<br />
and see the Temecula Valley Players’<br />
(TVP) production of In the Heights,<br />
with conception/music and lyrics by<br />
Lin-Manuel Miranda and book by Quiara<br />
Alegria. The setting is a vibrant Latino<br />
community in New York’s Washington<br />
Heights, full of hopes and dreams. Deftly<br />
directed by Shafik Wahhab, this story<br />
of diversity, acceptance, family values,<br />
and traditions tears at your core. The<br />
“get down dancing” choreographed by<br />
Jacqueline Le Blanc Wahhab, is exhilarating<br />
and the star of the show. The show<br />
also features awe inspiring harmonies,<br />
solos, and vocals brought out by Musical<br />
Director Samantha Maxwell. The<br />
Broadway caliber cast will take you on<br />
a roller coaster of emotions with tears of<br />
joy, sadness, and plenty of goose bumps.<br />
Give your senses a treat and see TVP’s<br />
In the Heights.<br />
Performance dates: <strong>September</strong> 6-23,<br />
20<strong>18</strong> at Old Town Temecula Community<br />
Theater 42051 Main Street, Temecula<br />
92590. Tickets range from $17-$27<br />
call 866.653.8696 or go online at www.<br />
TemeculaTheater.org.<br />
Temecula Valley Players is a 501 C-3<br />
non-profit and has been performing quality<br />
theater productions for the community<br />
for over 35 years. www.TemeculaValley-<br />
Players.com.<br />
TemeculaValleyPlayers.com<br />
L to R - Edgar Gaspar, Chloe Lovato, Gia Rueda, Robin Kouri,<br />
Franceska Ondracek
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THE VALLEY BUSINESS JOURNAL<br />
32 <strong>September</strong> 20<strong>18</strong>