03.09.2018 Views

September 18

You also want an ePaper? Increase the reach of your titles

YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.

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 />

Family Owned & Operated<br />

100% Background Checked Team<br />

24/7/365 Emergency Service<br />

Fully Licensed, Bonded and Certified<br />

Insurance Approved and Preferred<br />

951-296-9090<br />

Teampulido.com<br />

Lic# 710901<br />

“<br />

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 />

17<br />

Smart Business Connections<br />

Featured<br />

BE THE HERO of YOUR<br />

COMPANY!<br />

We help you find just the right creativemarketing<br />

solutions to get YOU<br />

noticed and remembered!<br />

Call us TODAY for your Uniforms<br />

Trade Shows, Marketing Collateral<br />

Mention this ad and get 15% off<br />

your first order!<br />

Grab your cape we have work to do!<br />

Impact Marketing & Design<br />

Dione Moser - President<br />

888-441-1233 x 8017<br />

NOW, you can be seen in this multiple award-winning<br />

newspaper at a lower price than ever before - only $89 per month.<br />

Contact us for more information at (951) 461-0400.


THE VALLEY BUSINESS JOURNAL<br />

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

<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 />

Send us your news!<br />

publishertvbj@verizon.net<br />

19


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 />

Notice - This e-mail message, including<br />

any attachments, is for the sole use of the<br />

intended recipient(s) and may contain<br />

confidential and privileged information.<br />

Any unauthorized review, use, disclosure<br />

or distribution of this information<br />

is prohibited, and may be punishable<br />

by law. If this was sent to you in error,<br />

please notify the sender by reply e-mail<br />

and destroy all copies of the original<br />

message.


<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 />

THE VALLEY BUSINESS JOURNAL<br />

www.TheValleyBusinessJournal.com<br />

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


www.TheValleyBusinessJournal.com<br />

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 />

www.TheValleyBusinessJournal.com<br />

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 />

www.TheValleyBusinessJournal.com<br />

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


www.TheValleyBusinessJournal.com<br />

THE VALLEY BUSINESS JOURNAL<br />

32 <strong>September</strong> 20<strong>18</strong>

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!