December 20

VOLUME 31, NUMBER 12 DECEMBER 2020 

2020 GIFT IDEAS 

FOR BUSINESS AND HOME 

By Ted Saul 

SEE PAGE 25 

TEMECULA VALLEY HOSPITAL 

STAFF RECEIVES JIMMY 

MOORE CITIZEN OF THE YEAR 

AWARD 

The Kiwanis Club of Temecula Valley presented the 

Jimmy Moore Citizen of the Year Award to the Temecula 

Valley Hospital staff for the outstanding services and care 

provided to the citizens in the Temecula Valley. 

SEE PAGE 23 

CELEBRATES THE HOLIDAY SEASON 

THE LEGISLATIVE SUMMIT 

WILL ADDRESS ISSUES 

AFFECTING BUSINESS 

SEE PAGE 3 

By Assemblymember Marie Waldron 

The Legislature will open on December 7th with the swearing in 

of all members and start the 2021-2022 session. Though a few bills 

are likely to introduced, the day is largely ceremonial, and the new 

session will begin in earnest on January 6th. 

SEE PAGE 23 

AND... 

PREVENTING FALLS AT HOME 

DO YOU OWN AN INACTIVE 

BUSINESS? 

HOPE FOR THE HOLIDAYS 

FINANCIAL 

LAST MINUTE 

BUSINESS 

DEDUCTIONS FOR 

TAX YEAR 2020 

8 

INSURANCE 

PERSONAL 

UMBRELLA 

LIABILITY 

INSURANCE 

15 

REAL ESTATE 

THE DEFINITION 

OF INSANITY 

20

THE VALLEY BUSINESS JOURNAL 

2 www.TheValleyBusinessJournal.com 

December 2020 

Wilson Creek Winery, famous for its world class wine and 

hospitality offerings, shared the loss of its beloved patriarch 

Gerry Wilson 

He was 90. He died peacefully 

with his family at his bedside. 

Gerald Raymond Wilson was 

born on April 7, 1930, in Billings, 

Montana. His family later moved 

to North Dakota then Minneapolis, 

Minnesota. Gerry attended the University 

of Minnesota where he was the 

Homecoming King and the president 

of his fraternity, Beta Theta Pi. He 

was an ROTC officer and also sang in 

the prestigious university choir. 

He was happily married to Rosie 

Wilson for 67 years. He served in the 

Air Force in Korea as a Lieutenant. 

Gerry and Rosie had four kids whom 

they raised in Minnesota and then in 

South Pasadena, California. Gerry 

served as a Rotarian (L.A. #5) and 

on his church board. He worked in 

financial advising/sales in the same 

company for over 25 years. Every 

place Gerry and Rosie lived they 

became icons in their cities due to 

their warm hospitality and heart for 

others. Their home in South Pasadena 

became a gathering place as well as a 

refuge for anyone who needed a warm 

embrace, whether it was those from 

broken homes, exchange students, or 

anyone needing a good meal and a hug. 

When Rosie and Gerry were both almost 

60 years-old they adopted two more 

kids, Heather and Chris, who would’ve 

otherwise been raised in the foster system. 

Heather and Chris are thriving adults 

today with their own families. They both 

are deeply thankful for Gerry for literally 

saving their lives. 

Gerry founded Wilson Creek Winery 

with his family in 2000. His motive to 

start the winery was to reunite his scattered 

family and to create a legacy that 

will endure through the generations. He 

poured his hard-earned retirement into 

the business so the family can come 

together again. Gerry’s love and graciousness 

towards others has been the 

heartbeat of the winery, even to this day. 

Today, his vision has become a reality 

and the family is united and the winery 

has become a place where people from 

all over the world can experience warm 

hospitality. He and Rosie lived in a manufactured 

home in the vineyards right 

next to the winery and were very present 

at the winery. 

Gerry is widely known for his kindness, 

compassion, love, and graciousness. 

He is a man who has enhanced the lives 

of thousands of people. His sparkling 

blue eyes and contagious smile warmed 

the hearts of those he encountered. He 

gave without conditions; he had a heart 

for the outsider or disadvantaged. 

Many on staff at Wilson Creek considered 

Gerry a kind of father figure who 

modeled unconditional love. Gerry left 

behind four generations of family who 

are all deeply thankful for his influence 

on their lives and who will proudly carry 

on his legacy. If greatness is measured by 

the amount one loves, gives, serves, and 

values others, Gerry was a giant of a man. 

The family is thankful for the overwhelming 

amount of support and love 

they have received from friends, family, 

staff, wine club members, church leaders, 

and community leaders. Each person who 

has emailed, called, texted, or visited 

has shared how much Gerry has meant 

to them. The common thread is that was 

a great man and the effect he has had on 

their lives is deep and profound. 

A Celebration of Life service at the 

winery will be announced shortly. For 

more information, please contact 

Wilson Creek Winery - marketing@ 

wilsoncreekwinery.com. 

Wilson Creek Winery is a family-owned 

winery in the heart of Temecula 

Wine Country known for its 

quality wines and warm hospitality. 

The winery features a welcoming 

tasting room, full-service restaurant 

with expansive patio, creekside picnic 

area, indoor and outdoor conference 

and event spaces, romantic wedding 

venue and exclusive retreat accommodations. 

The Wilson family has 

built an extended-family community 

around the sharing of wine, food 

and hospitality, turning visitors into 

friends and wine lovers into ambassadors 

for the brand. Information about 

the winery, vineyards, events and how 

to become part of the Wilson’s extended 

wine community can be found 

online at WilsonCreekWinery.com or 

Facebook.com/WilsonCreekWinery. 

Wilson Creek Winery is located 

at 35960 Rancho California Rd., Temecula, 

CA 92591. Questions can be 

directed to 951.699.WINE (9463) or 

info@wilsoncreekwinery.com.



www.TheValleyBusinessJournal.com 

3 

Temecula Chilled Celebrates the Holiday Season with Holiday Lights, Outdoor 

Dining, Shopping, and a Message of Peace 

Southern Californians are invited 

to find their peace in Temecula 

Valley Southern California Wine 

Country with open spaces, outdoor 

tastings, dining al fresco, and safe 

accommodations. Temecula Chilled 

features three distinct neighborhoods, 

Wine Country, Old Town 

and Pechanga Resort Casino; each 

celebrating their holiday traditions 

in a unique way. 

Visitors are invited to stay the 

night (or two) to really take in the 

holiday spirit. Some top things to do 

this holiday season are shopping Old 

Town Temecula among the festive 

lights and decor, dining al fresco, 

and outdoor recreation like hiking, 

horseback riding, golfing, and hot 

air ballooning. Check out Winter 

Must-Dos for holiday and winter 

inspiration. Travelers can book a 

holiday package to get the most out 

of their stay. 

Holiday Décor - Old Town Temecula 

and Temecula Valley Wine 

Country will compete in a local 

decorating contest and visitors are 

invited to view the beautiful lights 

and décor as they spread their holiday 

cheer. 

Temecula residents also compete 

in a community holiday lights 

decorating contest. A map to the 

decorated homes will be available 

online December 8. 

Dining - Many restaurants will 

serve Temecula Chilled menu items 

from drinks to entrees to desserts. 

Some of the special items are Rolled 

Blueberry Coconut French Toast 

at 1909, Dolce Inverno! cocktail 

at Bottega Italia, Fruitcake Flip 

cocktail at Apparition Room, Spiced 

Snowball cocktail and Frosty Winter 

Tart at Avensole Winery Restaurant, 

Blueberry Cheesecake at Baily’s Old 

Town, Brandy Alexander at Crush 

& Brew’s Thompson & Twain, 

Peppermint Grinch Shake at Mad 

Madeline’s Grill, Desert Bloom 

cocktail at Small Barn, Cran-Spiced 

Martini and Strawberry-Vanilla 

Bean Panna Cotta with Blueberry 

Compote at Vineyard Rose at South 

Coast Winery Resort & Spa, Twist 

on a Shrimp Cocktail and Blackberry 

Bramble at Cork|Fire Kitch 

at Temecula Creek Inn, Jack Frost 

Unicorn Milk at Toast, and Pistachio 

Egg Nog Sundae at Creekside Grille 

at Wilson Creek Winery. Find all the 

Chilled drinks, eats, and treats at 

TemeculaChilled.com. 

In addition to Chilled menu 

items, several attractions will host 

holiday events. Europa Village will 

be a European winter wonderland 

with shimmering lights and garland 

hung. They will play The Grinch 

Special stay packages are available for a 

Southern California holiday escape 

Some top things to do this 

holiday season are shopping Old 

Town Temecula among the festive 

lights and decor, dining al fresco, 

and outdoor recreation like hiking, 

horseback riding, golfing, and hot 

under the stars, display a handmade gingerbread 

village, and a marketplace will 

be available for holiday shopping. Christmas 

Eve and New Year’s Eve dinners from 

Chefs Hany Ali and Luis Sandoval will be 

available at Bolero Restaurante. 

Temecula Valley Wine Country - 

Wilson Creek Winery is doing a Winter 

Wonderland for the holidays. The property 

will be decorated and they will be open 

until 8:00 pm on Thursdays, Fridays, and 

Saturdays. They will be serving holiday 

items on their menu with hot wassail and 

hot chocolate served at the Courtyard Bar 

and Grille. 

Jingle Bell Sleigh Rides will usher 

guests through more than 100,000 twinkling 

lights and holiday décor. Bundle up 

for a 25-minute private horse-drawn sleigh 

ride in Temecula Valley Wine Country 

with Temecula Carriage Company. 

Horse drawn carriage rides transport 

families to Santa’s Wine Country Workshop 

for a socially distanced visit with 

Santa in his gingerbread house. Reservations 

are required. 

Peltzer Winery’s outdoor ice rink is 

open through January 10. Reservations 

are required to ensure social distancing. 

Christmas Eve and Christmas Day 

dinners will be available for outdoor 

dining at The Vineyard Rose at South 

Coast Winery Resort & Spa. Special menu 

options will be available. 

Old Town Temecula - “Find Your 

Peace” is a Visit Temecula Valley theme 

air ballooning. 

this winter as the region invites its neighbors 

to take in the outdoor spaces and 

spread out under the open skies. Themed 

8-foot wide by 10-foot high murals painted 

by local artists and enlarged to hang 

from buildings in Old Town Temecula 

will be on display through the month of 

December to help inspire peace and visitors 

can use them as photo opportunity 

backdrops. 

Old Town Temecula’s annual Grape 

Drop will be virtual this year. Viewing will 

be on Facebook @TemeculaParkandRec. 

There will be a concert at 7:00 p.m. and 

9:15 p.m with the Grape Drop at 9:00 p.m. 

and midnight. 

Vail Headquarters - Temecula 

Chilled at the historic Vail Headquarters 

will be celebrated on December 12 from 

2:00 p.m. to 8:00 p.m. There will be photo 

ops, holiday décor, an outdoor movie 

showing, and an outdoor marketplace. 

Pechanga Resort Casino - For those 

staying at a vacation rental or hotel and 

don’t want to dine out, bring the feast to 

you from Pechanga. They are offering a 

bone-in prime rib Christmas dinner for 

curbside pick up. The last day to order 

is December 17. Hotel rooms are not 

currently offered, however the pubic is 

invited to see the beautiful holiday decorations, 

dine at one of their many restaurants, 

and play for a chance to win some holiday 

spending cash. 

Holiday Stay Packages - Nutcracker 

Suite package includes an overnight stay in 

an intricately decorated themed room 

a the Inn at Europa decked out with 

nutcracker holiday décor, delicious 

breakfast at Bolero Restaurante , 

cookie turndown service and two tickets 

to The Ballet Studio’s performance 

of The Nutcracker at Europa Village 

starting at $307 based on double occupancy. 

The Sugar Plum Suite package 

includes an overnight stay at Inn at 

Europa Village with all the sweet 

holiday trimming décor, breakfast 

at Bolero Restaurante, cookie turndown 

service, and two tickets to The 

Nutcracker live performance starting 

at $307 based on double occupancy. 

Wine, Dine & Toast to 2021 at 

South Coast Winery Resort & Spa 

or Carter Estate Winery Resort. This 

sparkling package offers two-night 

accommodations in a South Coast 

Winery Village or Carter Estate Bungalow. 

It includes the fine dining gustatory 

salute to the past New Year’s 

Eve Dinner at The Vineyard Rose 

Restaurant for two guests, as well as 

a welcome a bottle of sparkling wine, 

still wine, and New Year’s Eve party 

favors. Rate is $880, based on double 

occupancy, at South Coast Winery 

Resort & Spa; Rate is $950, based on 

double occupancy and includes daily 

continental breakfast, at Carter Estate 

Winery and Resort. 

Visit Temecula Valley asks travelers 

to visit responsibly, face masks 

and social distancing are required at 

some locations and strongly recommended 

when not eating or drinking. 

Plan your Temecula Chilled stay at 

VisitTemeculaValley.com. 

ABOUT TEMECULA VAL- 

LEY AND VISIT TEMECULA 

VALLEY 

Temecula Valley is open and 

welcomes local visitors. The businesses 

have strict cleaning protocols 

to ensure everyone’s safety and 

comfort because they consider the 

health of their employees and guests 

top priority. They have met and often 

succeeded county and state requirements. 

Face masks are strongly recommended 

when visiting and please 

be kind to the workers, they are doing 

everything they can to make the experience 

an enjoyable one. 

Temecula Valley is a popular 

Southern California destination that 

includes Temecula Valley Wine 

Country, Old Town Temecula, and 

Pechanga Resort Casino. In 2019, 

Wine Enthusiast named it a 10 Best 

Wine Travel Destination. 

Visit Temecula Valley is the 

region’s official tourism marketing 

organization and resource for visitors. 

For visitor information and assistance, 

please call (888) 363-2852 or 

go to VisitTemeculaValley.com.




In this issue: 

2020 Gift Ideas for Business and Home 1 

Temecula Valley Hospital Staff Receives Award 1 

Temecula Chilled Celebrates the Holiday Season 1 

The Legislative Summit Will Address Issues Affecting Businesses 1 

Wilson Creek Winery Shares the Loss of Gerry Wilson 2 

Addiction and Mental Illness is a Public Health Crisis 6 

Last Minute Business Deductions for Tax Year 2020 8 

Preventing Falls in the Home - Be Aware of the Risk Factors 9 

Estate Planning: The Perfect Gift for the Holiday Season? 10 

Do You Own an Inactive Business? Is it Time to Close it Before End of Year 11 

Hope for the Holidays 12 

Save Money Through the Holidays with EVMWD’s Aquahawk System 13 

As the Seasons Change, So Do Our Services and Program Offerings 13 

Personal Umbrella Liability Insurance 15 

Online Eye “Exams” 17 

Phishing – There are Always More Phish in the Sea 19 

The Definition of Insanity 20 

Temecula Valley Museum Announces Winning Entries 21 

Dear Third District Resident 21 

Together, Making a Difference 22




5





www.facebook/thevalleybusinessjournal 

For questions, comments, or story ideas, please 

e-mail publishertvbj@verizon.net or call (951) 461-0400. 

EDITOR/PUBLISHER/CEO 

Linda Wunderlich 

Email: publishertvbj@verizon.net 

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(951) 461-0400 

CREATIVE DIRECTOR 

Helen M. Ryan 

VP OF DISTRIBUTION 

Dane Wunderlich 

Addiction and Mental Illness is a 

Public Health Crisis 

by Matthew Taylor 

Let me first introduce myself, my 

name Matthew Taylor proud owner of 

TaylorMade Counseling & Consulting. 

Also, I am your Addiction and Mental 

Health Rehabilitation Therapist. I am so 

excited to be a new contributor and writer 

for this great publication, The Valley 

Business Journal. 

Overdose is now the #1 cause of 

accidental death in the United States, 

recently surpassing car accidents. Every 

four minutes a parent loses a child to 

addiction, and the rising cost of addiction 

now exceeds $400 billion a year. 

Research shows that the stigma of 

addiction keeps people from getting the 

treatment needed and my goal is to help 

change that narrative. This is a fact 1 in 

3 families are impacted by substance use 

disorder but only 1 in 10 ever seek treatment, 

while we are looking at numbers let 

me share one more number with you, well 

a little more than one more number. It is 

estimated to cost businesses more than 

$193 million annually due to employee 

substance use. 

Not very long ago addiction was 

considered a moral affliction. Addicts 

were seen as bad people, devoted to the 

pursuit of pleasure and self-gratification, 

rather than individuals suffering from a 

mental and physical affliction. After years 

of research, we now have a more enlightened 

understanding of addiction with the 

current model revealing that addiction 

is a chronic, progressive disease of the 

brain. In fact, addiction is sometimes 

alternately referred to as a substance use 

disorder, which prompts comparisons to 

conditions like Alzheimer’s disease or 

dementia as frequently as illnesses like 

diabetes. 

In my opinion Addiction and Mental 

Illness are siblings just with their own 

different personalities. In terms of psychological 

symptoms, individuals who 

have developed addictions have a dramatically 

disrupted hierarchy of needs, 

suggested by their tendency to act against 

their own self-interests. This is illustrated 

by the habitual substance abuse behavior 

in spite of the numerous consequences, 

including a decline in overall physical 

health and potential legal repercussions. 

As such, addicts become incapable of 

controlling their impulses, which is also a 

symptom of many other mental illnesses. 

Ok, it was not a mistake that I 

launched my new company here in Wildomar, 

California but I have one request 

of you, please help to make a difference 

in our communities. 

Matthew Taylor, AODC, MHRT, CCFP 

STAFF WRITERS/ 

CONTRIBUTING WRITERS 

Gene Wunderlich 

Ted Saul 

Craig Davis 

Stefani Laszko 

Nicole Albrecht 

Julie Ngo 

Tom Plant 

Esther Phahla 

Steve Amante 

Monique deGroot 

Andrea Shoup 

Gloria Wolnick 

Dr. Drake Levasheff, PhD 

Mort J. Grabel, Esq. 

John & Christine Hamby 

Brian Connors 

Tristin Collopy 

Dr. Pat Utnehmer 

Bonnie Woodrome 

Haley Munson 

Criteria for Submitting Articles: 

1. Since the publication of articles is an added public 

relations feature for our advertisers, their articles will be 

given first priority. Other articles will be published on a 

space available basis. 

2. Articles should be submitted as a Word document file. 

3. Articles must be business-oriented and pertain to 

the author’s area of expertise. A photo of the writer is 

appropriate. 

4. All submissions are subject to editing by the publisher. 

5. Send completed articles by e-mail to: publishertvbj@ 

verizon.net 

6. Article and advertising deadlines are the 15th of each 

month for the next issue. 

The Valley Business Journal is a California Corporation. All rights 

reserved. Reproduction in any form, in whole or in part, without the 

written permission of the Publisher is prohibited. The publication is 

published monthly. The opinions and views expressed in these pages 

are those of the writer or person interviewed and not necessarily those 

of The Valley Business Journal. The Valley Business Journal hereby 

expressly limits its liability resulting from any and all misprints, errors 

and/or inaccuracies any advertisement or editorial may contain, to 

the credit of the specific advertising payment and/or the running of a 

corrected advertisement or editorial correction notice.




7




Last Minute Business Deductions for Tax Year 2020 

Here are seven powerful business tax 

deduction strategies that you can easily 

understand and implement before the 

end of 2020. 

1. Prepay Expenses Using the IRS 

Safe Harbor - You just have to thank the 

IRS for its tax-deduction safe harbors. 

IRS regulations contain a safe-harbor 

rule that allows cash-basis taxpayers to 

prepay and deduct qualifying expenses 

up to 12 months in advance without challenge, 

adjustment, or change by the IRS. 

Under this safe harbor, your 2020 

prepayments cannot go into 2022. This 

makes sense, because you can prepay 

only 12 months of qualifying expenses 

under the safe-harbor rule. 

For a cash-basis taxpayer, qualifying 

expenses include lease payments 

on business vehicles, rent payments on 

offices and machinery, and business and 

malpractice insurance premiums. 

Example. You pay $3,000 a month in 

rent and would like a $36,000 deduction 

this year. So, on Thursday, December 31, 

2020, you mail a rent check for $36,000 

to cover all of your 2021 rent. Your landlord 

does not receive the payment in the 

mail until Tuesday, January 5, 2021. Here 

are the results: 

• You deduct $36,000 in 2020 (the year 

you paid the money). 

• The landlord reports taxable income of 

$36,000 in 2021 (the year he received 

the money). 

You get what you want—the deduction 

this year. 

The landlord gets what he wants— 

next year’s entire rent in advance, eliminating 

any collection problems while 

keeping the rent taxable in the year he 

expects it to be taxable. 

Don’t surprise your landlord: if he 

had received the $36,000 of rent paid in 

advance in 2020, he would have had to 

pay taxes on the rent money in tax year 

2020. 

2. Stop Billing Customers, Clients, 

and Patients - Here is one rock-solid, 

time-tested, easy strategy to reduce your 

taxable income for this year: stop billing 

your customers, clients, and patients until 

after December 31, 2020. (We assume 

here that you or your corporation is on a 

cash basis and operates on the calendar 

year.) 

Customers, clients, patients, and 

insurance companies generally don’t 

pay until billed. Not billing customers 

and patients is a time-tested tax-planning 

strategy that business owners have used 

successfully for years. 

Example. Jim Schafback, a dentist, 

usually bills his patients and the insurance 

companies at the end of each week; 

however, in December, he sends no bills. 

Instead, he gathers up those bills and mails 

them the first week of January. Presto! 

He just postponed paying taxes on his 

December 2020 income by moving that 

income to 2021. 

3. Buy Office Equipment - With 

bonus depreciation now at 100 percent 

along with increased limits for Section 

179 expensing, buy your equipment or 

machinery and place it in service before 

December 31, and get a deduction for 100 

percent of the cost in 2020. 

Qualifying bonus depreciation and 

Section 179 purchases include new and 

used personal property such as machinery, 

equipment, computers, desks, chairs, 

and other furniture (and certain qualifying 

vehicles). 

4. Use Your Credit Cards-but 

remember to pay them off right after 

for good financial health. - If you are a 

single-member LLC or sole proprietor 

filing Schedule C for your business, the 

day you charge a purchase to your business 

or personal credit card is the day 

you deduct the expense. Therefore, as a 

Schedule C taxpayer, you should consider 

using your credit card for last-minute 

purchases of office supplies and other 

business necessities. 

If you operate your business as a 

corporation, and if the corporation has 

a credit card in the corporate name, the 

same rule applies: the date of charge is 

the date of deduction for the corporation. 

But if you operate your business as 

a corporation and you are the personal 

owner of the credit card, the corporation 

must reimburse you if you want the 

corporation to realize the tax deduction, 

and that happens on the date of reimbursement. 

Thus, submit your expense 

report and have your corporation make its 

reimbursements to you before midnight 

on December 31. 

5. Don’t Assume You Are Taking 

Too Many Deductions - If your business 

deductions exceed your business income, 

you have a tax loss for the year. With a 

few modifications to the loss, tax law 

calls this a “net operating loss,” or NOL. 

If you are just starting your business, 

you could very possibly have an NOL. 

You could have a loss year even with an 

ongoing, successful business. 

You used to be able to carry back 

your NOL two years and get immediate 

tax refunds from prior years; however, 

the Tax Cuts and Jobs Act (TCJA) eliminated 

this provision. Now, you can only 

carry your NOL forward, and it can only 

offset up to 80 percent of your taxable 

income in any one future year. 

What does this all mean? You should 

never stop documenting your deductions, 

and you should always claim all your 

rightful deductions. We have spoken with 

far too many business owners, especially 

new owners, who don’t claim all their 

deductions when those deductions would 

produce a tax loss. 

6. Thank COVID-19 - Let’s be 

real: there’s little to be grateful for with 

COVID-19, with one of the several exceptions 

being the potential opportunities 

to turn NOLs into cash for your business. 

Two NOL opportunities come from 

the Coronavirus Aid, Relief, and Economic 

Security (CARES) Act: 

The CARES Act allows NOLs arising 

in tax years beginning in 2018, 2019, 

and 2020 to be carried back five years for 

refunds against prior taxes. 

The CARES Act allows application 

of 100 percent of the NOL to the carryback 

years. 

Before the CARES Act, you could 

not carry back your 2018, 2019, or 2020 

losses, and your NOL could offset only 

up to 80 percent of taxable income before 

your Section 199A deduction. 

7. Deal with Your Qualified Improvement 

Property (QIP) - In the 

CARES Act, Congress finally fixed the 

qualified improvement property (QIP) 

error that it made in the TCJA. 

QIP is any improvement made by 

the taxpayer to the interior portion of a 

building that is non-residential real property 

(think office buildings, retail stores, 

and shopping centers) if you place the 

improvement in service after the date you 

place the building in service. 

If you have such property on an already 

filed 2018 or 2019 return, it’s on 

that return as 39-year property. You now 

have to change it to 15-year property, 

eligible for both bonus depreciation and 

Section 179 expensing. 

I trust that you found the seven ideas 

above worthwhile. If you have any questions 

or would like to discuss the above in 

more detail, please contact our office to 

schedule a strategy planning appointment 

by calling us at 951-719-1515. 

Sincerely, Nicole M. Albrecht 

“ 

IRS regulations 

contain a safe- 

harbor rule that allows 

cash-basis taxpayers 

to prepay and deduct 

qualifying expenses 

up to 12 months in 

advance without 

challenge, adjustment, 

or change by the IRS. 

FINANCIAL 

presented by 

Nicole M Albrecht EA




9 

Preventing Falls in the Home - Be Aware of the 

Risk Factors That Can Cause Seniors to Fall 

by John & Christine Hamby 

One in four older Americans falls 

every year. Falls are the leading cause 

of injuries for seniors aged 65 and 

older, so preventing falls can be vital 

to their overall health. 

According to the Centers for Disease 

Control and Prevention (CDC), 

one out of five falls causes a serious 

injury, such as broken bones, hip 

fractures or head injuries. And each 

year, at least 300,000 older people are 

hospitalized for hip fractures. 

If you have an aging parent or 

grandparent, helping them reduce their 

risk of falling can keep them safe, 

healthy and independent. There are 

ways of preventing falls in the home. 

First, you need to be aware of some of 

the risk factors that can lead to a fall, 

which include: 

Balance and gait – As we age and 

become less active, we can lose some 

coordination, flexibility, and balance, 

which can cause instability. 

Vision – As we get older, less light 

reaches our retina, which makes contrasting 

edges, tripping hazards and 

other obstacles more difficult to see. 

Medications – Some prescriptions 

and over-the-counter medications 

can cause dizziness, dehydration 

or drowsiness, which can all lead to 

a fall. 

Environment – Seniors who have 

lived in their homes for a long time 

may not think about simple changes 

they can make to their space to keep 

it safer as they age. 

Now that you know the risks, here 

are 4 things you can do for preventing 

falls so that your loved one stays safe 

and that you have peace of mind. 

Monitor their balance - Is your 

older loved one unsteady on their feet? 

See if they’re holding onto walls, furniture 

or someone else when walking, 

or if they seem to have difficulty getting 

up from a chair. They may need 

help improving their balance, strength 

and gait. A cane, walker or other mobility 

aid might be the answer. But 

oftentimes light exercise and regular 

activity can improve overall stability. 

Discuss their health conditions - 

Is your older loved one having trouble 

managing their own health? Make 

sure they are remembering to take 

their medications, and ask if they are 

experiencing side effects from that 

medication. Are they having difficulty 

doing routine daily tasks or do they 

have other health concerns? If certain 

health issues are not addressed immediately, 

it could lead to more serious 

problems down the road. 

Take them for an eye exam - If 

your parent or grandparent wears 

glasses, do they have a current prescription? 

If not, it may be time for 

an eye exam. Also make sure they are 

using the glasses as directed by their 

eye doctor. Remember that sometimes 

tint-changing lenses can be hazardous 

when going from bright sunlight to the 

indoors. And bifocals can be problematic 

on stairs and other level changes 

in the home. 

Modify their home 

There are many things you can do 

to make your loved one’s home safer 

so that they may age in place for a 

long time: 

• Pick up anything on the floor that they 

could trip over, including unnecessary 

clutter. 

• Consider moving anything that is 

plugged in to a different area of the 

home if the cords become a tripping 

hazard. 

• Add secure railings to both sides of 

stairs, inside and out. 

• Make sure their home has enough 

light by adding more or brighter light 

bulbs. 

• Add grab bars inside and outside the 

tub or shower, as well as next to the 

toilet. Also consider adding a shower 

chair or hand-held shower. 

At FirstLight, we help seniors 

enjoy the best quality of life for as 

long as possible. Contact FirstLight 

Home Care to learn more about our 

senior home care solutions that help 

keep your loved one safe, healthy and 

independent. 

If you’d like to learn more about our 

Senior Care Services give us a call at 

(951) 395-0821 or visit our website 

at www.temecula.firstlighthomecare. 

com.




Estate Planning: The Perfect Gift for 

the Holiday Season? 

As families gather for the holidays, 

it is traditional to offer gifts and 

celebrate the season together. If you 

are trying to think of the perfect gift 

for your family this year, you might 

consider making an estate plan or taking 

other generous steps. When you 

make a simple estate plan you ensure 

your family’s future and well-being, 

and that is a gift that will keep giving 

for many years. 

Create a Trust: A Current Gift 

that Has a Future Benefit 

If you make a trust today, that is 

a current gift that is stewarded for the 

future by the trustee. The trust can 

name one or more beneficiaries and 

can contain any type of asset. If you 

have minor children, the trust can provide 

for support and name a guardian, 

giving everyone peace of mind. 

Set Up a Family Foundation to 

Support Charity 

Another step to take that your 

family can be a part of is a family foundation, 

that manages funds for your 

favorite charities. This is something 

the whole family can be a part of, by 

selecting charities and deciding how 

to make gifts. 

Family Discussion About Personal 

Effects, Valuables and 

Heirlooms 

Depending on the age of your 

family members, the holidays can be 

the perfect time to talk about unique or 

sentimental property, and what preferences 

there might be. Then when 

you make your estate plan, you can 

designate those items for each heir, or 

you could even give them as gifts now 

for the holiday. 

Encourage Adult Children to 

Make Their Own Estate Plan 

Another gift that you can make is 

to offer to help your adult children to 

make their own estate plan, and even 

to fund the cost. Sometimes younger 

adults don’t think about estate planning, 

but at a minimum they should 

have an advance health care directive, 

which is essential for unexpected illness 

or injury. 

Cash Gifts 

You may also want to take advantage 

of the annual gift tax exclusion of 

$15,000 per family member, which is 

free from any gift tax. So, instead of 

leaving all of your resources in your estate, 

you can start to distribute it while 

you are alive. This can also help your 

estate tax planning also by lowering the 

overall value of your estate. 

If you have questions about giving 

the gift of estate planning this holiday 

season, please contact the attorneys 

at Shoup Legal, A Professional Law 

Corporation, at 951-445-4114 or www. 

ShoupLegal.com. 

SHOUPLEGAL.COM 

LEGAL 

by by 

Andrea Steve Fillingim Shoup 

“ 

If you are trying to think of the perfect 

gift for your family this year, you might 

consider making an estate plan or 

taking other generous steps. When 

you make a simple estate plan you 

ensure your family’s future and 

well-being, and that is a gift that will 

keep giving for many years.




11 

Do You Own an Inactive Business? Is it Time 

to Close it Before the End of the Year? 

Esther Phahla, 

CPA, CTS, MST 

With the end of the year fast approaching, 

it’s time to dissolve any 

inactive business to avoid having to pay 

extra fees and paperwork for 2021. When 

a business entity is no longer needed, has 

completed its business dealings, has completed 

its job in a foreign State, or even if 

it was never used for anything, it is very 

important that it follows the legal steps 

in “winding itself up” as a legal entity 

through dissolution or cancellation or if 

it is a foreign entity through withdrawal. 

All corporations, limited-liability 

companies, limited partnerships, limited-liability 

partnerships and other business 

entities are legal entities which can 

only be dissolved through formal action, 

not by a letter or phone call. You remain 

liable for all taxes, assessments, fines, 

penalties and interest until you receive a 

certificate of dissolution from the Secretary 

of State. 

Here are some of the requirements to 

legally dissolve a business with the IRS, 

State and Local authorities: 

1. Hold a vote to dissolve the business: 

If the business was operating as a 

corporation or limited liability company 

(LLC), the shareholders or members need 

to approve the formal dissolution of the 

business. The first step is to hold a meeting 

to vote on shutting down the business; 

the final vote needs to be recorded in the 

meeting minutes. 

• For corporations: Two-thirds of the 

voting shares need to agree to close the 

business. If shares were never issued, 

then the corporation’s board of directors 

need to agree. 

• For LLCs: Specific rules vary by state 

and can be found in the state’s Limited 

Liability Company Act. Or, if you 

specified a dissolution procedure in 

your operating agreement, you’ll need 

to follow that procedure. 

2. File Articles of Dissolution 

paperwork with the state: After the 

members, shareholders or board of directors 

vote to dissolve the business, the 

LLC or corporation will need to file the 

Articles of Dissolution or Certificate of 

Termination with the Secretary of State’s 

office wherever the LLC or corporation 

was formed. 

In addition, if you filed a foreign 

qualification to operate in another state, 

you’ll also need to close these foreign 

qualifications. To do so, you’ll need to 

file paperwork, such as, Certificate of 

Surrender of Right to Transact Intrastate 

Business, with that state’s secretary of 

state office. 

3. Settle all debts: Before you can 

distribute assets among members or 

shareholders and put money in your own 

pocket, you need to settle any outstanding 

business debts. If your business owes 

any vendors, those accounts need to be 

settled and paid. 

4. Collect accounts receivable: 

You should work to collect on any past 

due invoices before announcing you’ll 

be shutting down the business. It will 

be difficult to collect after it’s known 

the business will close. If necessary, an 

effective strategy is to offer a discount on 

any outstanding bills in order to collect 

as much as possible. 

5. File Final Payroll Tax Returns: 

If you had employees, submit the payroll 

tax returns after you have paid them their 

final wages and salaries. 

6. Submit Final State Sales Tax 

Forms: If you collected sales tax from 

your customers, find out what your state 

tax agency requirements are in order to 

close your tax account. Submit your final 

state sales tax forms with the tax that you 

have collected from your customers. 

7. File the final tax return: When 

a business closes, it needs to notify the 

IRS. For LLCs and corporations, this is 

typically done by checking “final return” 

on the final tax return. In addition, the 

business will need to report shareholder 

allocations and losses for members on 

Schedule K-1. 

8. Close all business permits and 

licenses: Another important step toward 

dissolving a business is to notify the local 

business authorities and cancel any business 

permits. If you don’t cancel these 

licenses, they’ll still be expected to be 

paid any associated fees. 

9. Distribute the remaining assets: 

After taxes, debts and final payrolls have 

been paid, the business distributes the 

remaining money and assets among the 

business owners. LLCs distribute money 

and assets to members according to everyone’s 

proportional ownership share. 

Corporations distribute money and assets 

to shareholders based on the number of 

shares owned. 

By following these steps, you can 

properly dissolve a business with the 

state and IRS. If you have already moved 

on from the business, you should close 

it out before the end of the year to avoid 

having to pay unnecessary fees in 2021. 

Esther Phahla is a Certified Public 

Accountant and Certified Tax Strategist 

in Temecula. She is the Author of tax 

planning books: “ Why Didn’t My CPA 

Tell Me That” and “10 Most Expensive 

Tax Mistakes That Cost Business Owners 

THOUSANDS”. She also holds a Master’s 

of Science in Taxation. She can be 

reached at (951) 514-2652 or visit www. 

estherphahlacpa.com




Hope for the Holidays 

Loma Linda University (LLU) Children’s 

Hospital is committed to keeping 

children healing, healthy and happy, no 

matter where they are in their healthcare 

journey. With 343 beds, our Children’s 

Hospital treats nearly 100,000 children 

from across Southern California each 

year, restoring them to health regardless 

of their family’s ability to pay for services. 

Our world-class child healthcare 

services help kids of all ages live their 

best life. 

LLU Children’s Hospital is home 

to the 84-bed Neonatal Intensive Care 

Unit, one of the largest in the country, 

providing delicate, specialized care to 

the tiniest of patients. Loma Linda University 

Children’s Health is the pioneer 

of infant heart transplantation which was 

first performed here in 1984. A major 

teaching facility in Southern California, 

LLU Children’s Health is dedicated to 

teaching the pediatricians and pediatric 

specialists of the future. 

Named a Top Children’s Hospital 

in 2017, 2018 and 2019 by the Leapfrog 

Group, LLU Children’s Health is 

committed to quality care and safety in 

all aspects of care that we provide. Our 

award-winning healthcare and ongoing 

commitment to quality service make us 

one of the top children’s hospitals in 

the country. 

LLU Children’s Hospital continues 

the healing ministry of Christ, focusing 

on the physical, mental, emotional, and 

spiritual needs of children and their 

families. We desire to be a champion for 

children by bringing world-class healthcare 

to every child under our watchful 

care. Through valued professionals, 

staff, community partners, and friends, 

we seek to enhance the lives of our 

community’s children by delivering on 

the promise of a healthier future today. 

We are here to make sure the spirits 

of the children we care for are joyful and 

their hearts are restored with innocence. 

From well-check visits to hospital stays, 

our commitment to children’s health 

and happiness will always remain our 

priority. 

We’ve provided lifesaving pediatric 

care for decades, thanks to the generosity 

of our philanthropic supporters. By 

giving to our LLU Children’s Hospital 

Foundation, our donors help us continue 

to provide outstanding, whole-child care 

at LLU Children’s Hospital. With their 

ongoing support, we can sustain our 

vision of being a champion for children 

under our watchful care. 

Pediatric cancer and other childhood 

diseases don’t take a break during the 

holidays. This December, thousands of 

children will come through the doors 

of LLU Children’s Hospital. You can 

make a difference during the holiday 

season and all year long for these special 

patients. 

Please help us provide hope for families 

during the holidays, a time of year 

that should be the most wonderful. Your 

gift will help thousands of children as 

they fight against illnesses, traumas and 

other healthcare needs, and bring them 

and their families Hope for the Holidays. 

Visit giving.lluh.org/Holiday 

LLUCH. 

Please help us provide hope for families 

during the holidays, a time of year that should 

be the most wonderful.




13 

Save Money through the Holidays with 

EVMWD’s Aquahawk System 

Money can be tight around the holidays 

and every bit of savings counts! 

EVMWD is here to help you make the 

most of this holiday season. In addition 

to providing financial assistance and 

payment plans, EVMWD provides 

resources to help customers reduce 

water waste and save money on their 

bill. EVMWD’s free Aquahawk system 

enables ratepayers to monitor water 

use, set alerts, and more with just a 

few clicks. 

By providing alerts when excessive 

or unusual usage occurs, Aquahawk 

helps individuals and families discover 

leaks and identify when hoses or faucets 

are accidentally left on. With this 

resource, you no longer have to worry 

about coming home from vacation to 

find a flooded yard and expensive water 

bill! Utilizing the Aquahawk system has 

made a significant difference for many 

ratepayers. 

The Hallahans—two EVMWD 

customers—recently experienced the 

importance of water alerts firsthand. 

EVMWD’s Aquahawk system flagged 

excessive use at their home, showing 

that water had been running constantly 

and had dispensed more than 460 gallons 

over a 24-hour period. Upon receiving 

this alert, EVMWD staff visited 

the Hallahans to assist in identifying the 

source of the problem: a hose that had 

simply been left on in the backyard. 

“I am so grateful that EVMWD 

contacted us,” said Sandy, the Hallahans’ 

daughter. “After learning more 

about EVMWD’s Aquahawk system, I 

plan to use it for my parents’ home and 

the other homes I manage in this area. 

It is a great tool!” 

Because of Aquahawk, the Hallahans 

were protected from further 

flooding, water waste, and expense. 

Next time a hose is left on, the system 

will notify them and help them to avoid 

water waste. 

The Aquahawk system is simple to 

set up on your smart phone or via email 

and you can receive alerts as soon as 

an issue arises. EVMWD encourages 

all customers to take advantage of this 

resource. 

Log on to www.onlinebiller.com/evmwd/ 

to sign up for Aquahawk and save 

money through the holidays! 

As the Seasons Change, so do our 

Services and Program Offerings 

Michelle’s place is heading into this 

holiday season with some major GOALS 

on how we plan to help families impacted 

by cancer. 

November: Provided 302 Thanksgiving 

Meals to families 

December: Provide 155 Children 

Santa Sacks filled with toys & goodies 

This is almost twice the amount we 

gave last year! We are blessed with some 

amazing angels that help us do this. People 

just like you and me who want to help 

make someone’s holiday a little brighter. 

It’s really our favorite time of year! 

We love to see our clients and we love 

giving them something special during a 

particularly tough time (and then there’s 

COVID...) You can help too... see below 

for more information on how. 

My friend Jami McNees is at it 

again... I want to share with you another 

wonderful book she created. Jami made 

this book in honor of caregivers of cancer 

patients and composed a book full 

of meaningful quotes and sayings by 

caregivers themselves. We all know that 

without those who love and care for us, 

we would not make it through the most 

difficult times. This makes for the perfect 

gift for your loved ones. And all proceeds 

benefit Michelle’s Place. 

I know this is a tough time for many. 

This year has presented challenges only 

nightmares are made of. But today I 

choose to think of all that I am thankful 

for. I am thankful for this amazing team I 

have the pleasure to work with each day. 

These ladies can ‘pivot’ like no other! 

The passion, diligence, strength and 

sense of humor that I have seen in the last 

year from this team is nothing less than 

phenomenal. I am so proud of them. I am 

thankful that I have my health, a home, a 

loving husband, my mom, my kids and 

their boyfriends, my family and good 

friends that keep me laughing through 

it all. I am thankful for all of you. For 

our clients, you inspire me daily to work 

harder and do more. To those that read 

my newsletters, send messages to say hi, 

volunteer our time and those who donate 

because ‘you know we need it.” Thank 

you. I wish you all a wonderful Thanksgiving. 

It may look a little different this 

year, but whatever your Thanksgiving 

looks like, I wish you health, happiness, 

good food and maybe a zoom call with 

family! Hugs to each of you! 

Holiday Sponsorships Available! 

Would you or your business like to help 

us make the holidays extra special this 

year? Click on the sponsorship opportunities 

below to read more... 

You can feed a family of four for just 

$60! Thanksgiving Sponsorship - Christmas 

Sponsorship 

To purchase a sponsorship, you can 

contact Jennifer at Jennifer@michellesplace.org 

or (951) 239-4734.




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15 

Personal Umbrella Liability Insurance 

Life is unpredictable, and as much 

as you plan, there’s always something 

around the bend that never crossed 

your worried mind. 

If the unexpected occurs, do you 

have enough liability limits to protect 

your and your family’s assets the way 

you want? 

If you were found liable for an 

accident, would your current liability 

limits cover the judgment against you, 

or could your assets be at risk? 

With a Personal Umbrella policy, 

you’ll have additional liability limits 

over and above those provided by 

your underlying policies. Your assets, 

as well as your future earnings, are 

covered. 

Umbrella Insurance Explained 

To get a better sense of what 

Umbrella insurance is and how it 

would work, it helps to think about 

it in action. 

Say you’re held liable for causing 

a car accident with multiple vehicles, 

and the cost to cover the damages and 

injuries is $650,000. However, the 

liability limits on your Auto policy 

are only $500,000. 

In this case, your insurance would 

pay only $500,000 for the entire accident, 

and you would be responsible 

for the remaining $150,000 out of 

your own pocket! 

With a Personal Umbrella policy, 

however, you could extend your 

liability limits beyond the maximum 

provided by your underlying policies. 

In this case, an Umbrella policy would 

provide liability limits above the 

$500,000 limit of your Auto policy, 

up to the limit you choose for your 

Umbrella policy (typically anywhere 

“ 

INSURANCE 

by by 

Craig Steve Davis Fillingim 

If the unexpected occurs, do 

you have enough liability limits to 

protect your and your family’s 

assets the way you want? 

If you were found liable for an 

accident, would your current 

liability limits cover the judgment 

against you, or could your assets 

be at risk? 

from $1 million up to $5 million 

in coverage). In other words, you 

wouldn’t be left paying the remaining 

$150,000. 

Other Benefits 

Besides providing increased 

liability limits, a Personal Umbrella 

policy can fill gaps in your coverage 

with added benefits, such as: 

• Coverage for claims that may not be 

covered by your underlying Homeowners, 

Auto, or Watercraft liability 

policies, such as libel, slander, or 

defamation of character. 

• Coverage anywhere in the world. 

• Coverage for defense costs and attorney 

fees associated with claims 

against you that are covered by your 

Personal Umbrella policy, but not 

by your primary policies. 

Talk to your local insurance 

professional about adding a Personal 

Umbrella policy to your insurance 

portfolio. 

Craig Davis is an agent for Farmers 

Insurance and the owner of Craig Davis 

Family Insurance located at 27645 

Jefferson, Suite 113, in Temecula. He 

may be reached at (951) 699-1776. 

cdavis@farmersagent.com 

Hired someone new? 

Launched a new product? 

Won an award? 

Invented something? 

Re-opened? 

Have a new service? 

Share your news with us! 

The Valley Business Journal 

publishertvbj@verizon.net



16 December 2020


Online Eye “Exams” 

by Pat Utnehmer 



17 

The convenience of online shopping 

is a big-time saver for many people this 

time of year. Online technology has literally 

changed the world and how people 

do business. Why not get an eye exam online? 

What is an online eye “exam”? Are 

you really obtaining an “exam” online? 

A refraction determines the lens 

power you need to compensate for 

any refractive error (nearsightedness, 

farsightedness or astigmatism), as well 

as the curvature of the eye to prescribe 

glasses or contact lenses. Online eye 

tests attempt to replace one element of 

an eye examination, the refraction, in 

order to yield a prescription for glasses 

or contacts. It is not unlike taking a blood 

pressure reading at a kiosk and expecting 

a prescription; the reading does not provide 

sufficient information to determine 

a patient’s needed course of therapy. 

The refraction performed by online eye 

tests is only one of many tests performed 

during an eye examination, and taken 

by itself, does not provide sufficient 

information regarding the treatment of 

a patient, including the prescription of 

glasses or contact lenses. 

Are online eye tests accurate? - Online 

vision tests often give inaccurate or 

misleading information, and can misinform 

consumers that can delay essential, 

sight-saving treatment. Comprehensive 

eye exams with your doctor of optometry 

are one of the most important, preventive 

ways to preserve vision, and the only way 

to accurately assess eye health, diagnose 

an eye disorder or disease, and determine 

the need for corrective lenses. 

Why should you have a comprehensive 

eye examination by a doctor 

of optometry? Personalized comprehensive 

eye examinations by a doctor of 

optometry are an important part of general 

preventive health care. In addition, 

changes in refractive status can be an 

underlying symptom of a number of eye 

or systemic conditions. Systemic diseases 

can also be detected through comprehensive 

eye exams. In fact, 240,000 cases 

of diabetes were first detected by an eye 

doctor in 2014. 

What tests are performed during 

an in-person comprehensive eye 

exam? - If serious conditions are left 

undiagnosed for long periods of time and 

a patient skips office visits with an eye 

care professional, the chance for identifying 

an effective treatment lessens and 

could lead to irreversible vision loss or 

worsening of a systemic disease. That 

is why a comprehensive adult eye and 

vision examination may include, but is 

not limited to, the following tests: 

Patient and family health history, 

visual acuity measurement, preliminary 

tests, refractive status, eye health examination 

and dilation and additional tests 

as needed that may include digital retinal 

imaging tests, ultrasounds of the eye 

and automated visual field technology 

may also be used to detect and diagnose 

serious eye and health problems. Click 

here for more information about comprehensive 

eye exams. 

Does the American Optometric 

Association (AOA) recommend the use 

of online vision testing apps? - Medical 

technology can be a powerful tool when 

used properly by a licensed professional. 

The AOA and doctors of optometry are 

supportive of technology that helps patients, 

but there stands a growing concern 

over the claims that a vision screening 

conducted through an app can replace 

an in-person, comprehensive eye exam. 

Eye exams uncover vision issues as well 

as a multitude of health problems like 

diabetes. Telemedicine cannot be held to 

the same standards as an in-person visit. 

“The AOA’s primary concern is that 

patient health and safety is at risk due to 

lack of understanding as to what services 

an online vision test company actually 

offers and can deliver to consumers,” said 

Steven A. Loomis, O.D., AOA past president. 

“When a patient comes in to the 

office for an examination we do so much 

more than just update a prescription for 

glasses or contacts. Our tests are specialized 

for the needs of each individual 

and allow us to check the overall health 

of our patients. By analyzing images of 

the back of the eye, for example, we can 

see how a patient’s blood vessels are 

functioning which can signify serious 

conditions like hypertension that often 

go undetected. The eyes are the window 

to your well-being and their care cannot 

be left to a computer and a smart phone.” 

The AOA has voiced its health and 

safety concerns to the Food and Drug 

Administration (FDA) requesting legal 

action against an online vision test being 

marketed by Opternative, Inc. without the 

type of testing and pre-market approvals 

frequently required of new medical device 

technology. In a detailed complaint 

submitted to the FDA in April, the AOA 

challenges claims made by Opternative 

about its product’s capabilities, and calls 

for enforcement action to remove it from 

the market until it can be shown to meet 

all appropriate Federal requirements 

for medical devices under the Food, 

Drug and Cosmetic Act, including those 

for safety and effectiveness, as determined 

by Federal officials. 

Are online vision screening test 

available in all states? - Ten states 

including South Carolina, Alabama, 

Georgia, Indiana, Maine, Michigan, 

Mississippi, Nebraska, Ohio and West 

Virginia have enacted critical patient 

protection safeguards that reinforce the 

benefits of in-person, comprehensive eye 

examinations. 

Patients who’ve been harmed or 

received erroneous prescriptions from 

an online vision test are urged to file a 

claim/report with FDA Med Watch at 

http://www.fda.gov/Safety/MedWatch. 

For a real world comparison of an online 

“exam” (Opternative) verses the results 

the patient received at an in-person exam 

at an eye doctor’s office see this article: 

https://www.wzzm13.com/article/life/ 

wellness/healthy-you/a-closer-look-atonline-eye-exams-questions-of-legality/69-201516298 

Visit us on Facebook: 

@ thevalleybusinessjournal







19 

Phishing – There are Always 

More Phish in the Sea 

TECHNOLOGY 

by 

by 

James 

Steve 

Laszko 

Fillingim 

“Oh, an email from Microsoft? 

That looks important.” Once you’ve 

opened the email the situation looks 

even more dire. “My account has been 

compromised?!” The email presents an 

easy solution: Microsoft, the ever helpful 

and friendly company has stopped the 

malicious actor in their tracks, and only 

needs you to login to verify your account 

credentials. “Easy enough…” Except it 

isn’t, the scenario outlined above is just 

one example of a scam that has become 

commonplace—phishing. 

The term phishing originated in 

the hacker-spaces in the early days of 

the Internet, and comes from the idea 

of hackers trolling for users that would 

allow their accounts to be compromised, 

similar to the actual practice of fishing. 

Since those early days of compromised 

America Online accounts, phishing 

emails have become much more sophisticated. 

Below, we will outline six of the 

most dangerous types of phishing and 

email scams you’re likely to run into. 

Artifical Intelligence-based phishing 

apps: This is a technique generally 

only deployed by nation-states (think 

Russia, North Korea, Iran), and utilizes 

a sophisticated artificial intelligence to 

tailor phishing messages specifically to 

their targets. This might mean impersonating 

someone the target knows using 

knowledge of specific events or a similar 

writing style. By building phishing 

attempts into automated systems, malicious 

actors make it easier to pinpoint 

targets that can be monetized quickly. 

Use of imposter domains: Bad 

actors attempting to impersonate a site 

like PayPal or Chase will often craft a 

login page that looks very accurate to 

the real one, but a closer examination of 

the website address the page is hosted on 

would show that it is illegitimate. Instead 

of logging into chase.com you may be 

directed to something like chasee.com. 

Deepfake audio: Threat actors have 

begun making phone calls using voice 

deepfakes 

(a very accurate approximation of a 

real person using software) to impersonate 

corporate officers requesting things 

like wire transfers. Since CEOs and 

CFOs increasingly appear on YouTube or 

TED talks, audio samples can be readily 

gleaned from these sources to help facilitate 

a malicious audio doppelganger. 

Sextortion: This has become increasingly 

common—an email will be 

received indicating that the threat actor 

is in possession of photographic or video 

evidence of the user engaged in embarrassing 

activities. The email will go on to 

threaten to release that video to Facebook 

friends or the wider Internet if a ransom 

of some sort isn’t paid. This scam isn’t 

particularly sophisticated, and generally 

relies on website breaches that release 

lists of email addresses and passwords 

on the dark web. 

Impersonating supervisors: This 

scam is also becoming more and more 

common, increasing 274% in the past 

three years. Sometimes referred to as 

“spear phishing,” a threat actor will send 

an email to an employee purporting to 

be from a supervisor—for instance the 

email may say that it’s from the CFO 

and ask the controller to wire money 

immediately to an account for a client or 

vendor. Nearly two-thirds of employees 

say they’re most likely to open an email 

from their supervisor before any other, 

and threat actors utilize this sense of 

urgency to overcome suspicion of the 

requests being made. 

SSL certificates: SSL stands for 

Secure Socket Layer, and, in short, is the 

standard technology for keeping an Internet 

connection secure and safeguarding 

any sensitive data sent between two 

systems. For many years the majority of 

phishing websites were unable to obtain 

an SSL certificate, meaning that they 

were on an http:// connection instead of 

https://. Because of this, many users understood 

that websites that didn’t display 

the little lock icon in the browser were 

unsafe to visit. A lot of changes have 

occurred that decrease the requirements 

needed to obtain an SSL certificate. 

Many phishing websites are now procuring 

SSL certificates to facilitate an 

https:// connection. 

What does all this mean for you? As 

with many things, the best defense is a 

good offense, and the best offense in the 

case of phishing emails is education and 

suspicion. Microsoft will never send you 

an email requesting that you login to a 

website to validate your credentials, the 

same is true of your banking institution. 

An email from the CEO requesting $5000 

in Amazon gift-cards should be treated 

with a good deal of skepticism and 

require a confirmation over the phone. 

When in doubt, seek assistance from 

your IT provider or make a follow up 

phone call to whomever is asking you to 

perform a suspicious action. As attackers 

improve their methods for separating 

people and the companies they work 

for from their money, so to must your 

education on scammer tradecraft. All the 

firewalls, antivirus, and antispam technology 

in the world cannot hold a candle 

to someone armed with knowledge of 

threat actor tradecraft and a healthy dose 

of skepticism. 

Mythos Technology is an IT consulting 

and management firm that provides 

Managed Technology Services including 

hosted cloud solutions. For more information, 

please visit www.mythostech. 

com or call (951) 813-2672. 

Get 

MAXIMUM 

Exposure for 

YOUR BRAND 

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20 www.TheValleyBusinessJournal.com 


The Definition of Insanity 

REAL ESTATE 

by by 

Gene Steve Wunderlich Fillingim 

Let’s start with congratulations to all 

the recent election victors. Thanks as well 

to those who stepped up, gave it a run and 

came up short. Thanks for volunteering 

to be of service to our communities. A tip 

of the hat to all us survivors of another 

political season as well. There’s still a 

lot we don’t know about the outcome as 

of this writing, but it appears that while 

California residents justifiably and loudly 

complain about how the state is being 

run, they sent all the same lawmakers 

back to Sacramento, apparently expecting 

a different result, so… 

Housing continues to perform well 

as across our region we posted another 

month-over-month increase in sales, up 

3% (1,168 / 1,206) and up 18% over last 

October (992). That not only catches us 

up to last year-to-date (9,380) but puts 

us ahead of 2019 by 2% (9,543). Pretty 

amazing considering the cliff the market 

tumbled off back in March. From our 

low point in May (695), we’ve averaged 

1,145 sales every month since. Pending 

sales dipped 7% coming into November 

so we can expect some normal seasonal 

slowing ahead, but we should still finish 

well ahead of last year’s pace. 

Pushed by this heavy demand, shrinking 

inventory, and record low interest rates, 

median prices continue to appreciate, 

up 1% month-over-month ($444,500 / 

$446,486), but up a stellar 12% over last 

October ($391,433). The forecast for 2020 

median appreciation was pegged at around 

3% - 4% but year-to-date we’re running 

a solid 8% ahead of 2019 ($385,150 / 

$418,429). After a slow start in January, 

Temecula’s median price has exceeded 

$500,000 every month, venturing as high 

as $555,000 in August. Driven by 17 sales 

in excess of $1,000,000, Temecula posted 

an average price of $621,365 last month. 

Not to be left too far behind, Murrieta had 

16 sales in excess of $1,000,000, their 2nd 

month above $500,000 median and an 

average price of $569,859. Canyon Lake, 

Menifee, and Lake Elsinore each posted a 

$1,000,000+ sale last month as well. 

Meanwhile our inventory of homes for 

sale contracted by another 4% last month, 

down to just 855 homes across ALL price 

ranges. That’s down 61% from last October 

when buyers had 2,205 home to select 

from. We also lost another 3 days off the 

inventory – down to .7 of a month from 

.8 last month. That’s literally 3 weeks of 

inventory when a normal market is 6-7 

months. Homes are languishing on the 

market for just 6.2 days on average whereas 

last month they were sticking around for a 

solid week. That’s down 76% from a year 

ago when the average home stayed on the 

market for 25.4 days. Aside from being 

a hyper-competitive market right now, 

some of that reduction in days-on-market 

is due in part to a new practice in our MLS 

allowing agents to show ‘Coming Soon’ 

listings. This gives aggressive buyers a 

few days’ notice of an upcoming property, 

providing a jump on the market resulting 

in quicker sales. 

How can you sell 1,206 homes when 

you only have 855 available? Absorption! 

In addition to what’s on the market, we’re 

selling virtually every new listing that 

comes on the market (99%) in less than 

a week. 

The California Association of Realtors® 

just provided their update and 

forecast during what would normally 

have been our annual meeting and there’s 

some fascinating info in it. In summary, 

the trends we’re seeing locally are being 

repeated across the state with sales and 

prices both up to record levels. Inventory 

is also sagging statewide – down to 2 

months, and properties are only staying 

on the market 11 days on average. As a 

result, median price hit an all-time high 

for the state of $706,900, which negatively 

impacts housing affordability across the region. 

Yet in spite of declining affordability, 

the share of first-time homebuyers rose to 

38.4%, exceeding the long run average of 

37.2 for the first time since 2010. 

Here’s some other startling, but 

unsurprising, factoids of the market. In 

2019, and estimated again in 2020, 30% 

of sellers were leaving the state. That’s 

the highest number since 2005 when 31% 

hightailed it for greener pastures. Another 

36% are moving within the same county 

and 18% to another county. LA County 

lost an estimated 200K residents to the 

IE between 2010-2018, their first choice, 

with another 80K moving to OC, 60K 

to Texas, etc. So if LA County residents 

are increasingly moving inland as their 

first choice, where are inland sellers 

going? Not within California, that’s for 

sure. First choice is Arizona (apparently 

taking their political habits with them), 

then Texas, Utah, Nevada, Georgia, and 

so forth. 

While most cities in our region boast 

homeownership rates of 60% - 70%, 

46 of California’s largest cities are now 

majority renter cities with Santa Monica 

leading at 72% renters, LA and SFO at 

63%, and even San Diego and Escondido 

at 54% and 51% respectively. Those cities 

have created their own problems with 

restrictive and pricey housing policies, 

but they must also govern a majority 

renter city differently than we do. Where 

there is no pride-of-ownership, quality of 

life, education and public safety assume 

different priorities – hence the return of 

rent control initiatives every couple of 

years. 

So, hang in there – this bumpy ride’s 

not quite over yet but there may a light at 

the end of the tunnel. Of course, it’s 2020 

so that may just be another train coming. 

Gene Wunderlich is Vice President, 

Government Affairs for Southwest Riverside 

County Association of Realtors. 

If you have questions on the market, 

please contact me at GAD@srcar.org.




Temecula Valley Museum Announces 

Winning Entries from 13th Annual Ralph 

Love Plein Air Competition 

21 

The Temecula Valley, with beautiful 

scenery and a quaint Old Town, 

was the perfect inspiration for artists 

participating in the 13th Annual Ralph 

Love Plein Air Competition. Local 

artists were invited by the City of 

Temecula. 

Community Services Department 

to spend one-week painting works of 

art inspired by local scenes. Nine participating 

artists submitted original art 

works for a chance to win a prize in the 

13th Annual Plein Air Competition. 

This competition is held annually in 

honor of renowned Temecula artist 

Ralph Love (pictured at left). 

The anonymous, unsigned pieces 

were judged at the Temecula Valley 

Museum by esteemed judges. 

Geoffrey Allen (Best of Show 2019 

Winner) 

Bonnie Martland (artist and former 

art teacher at Temecula Unified School 

District) 

Fred Lamb (Fred Lamb Graphic 

Design and former art gallery owner) 

Tony Moromarco (artist, instructor, 

and owner of Bigfoot Graphics) 

Eric Levine (Community Services 

Commission Chair) 

Dale Borgeson (Community Services 

Commissioner) and special guest 

judge 

Evelyn Norris (the late Ralph Love’s 

daughter). Scorecards were carefully 

tabulated to determine the winners. 

Eighteen artists participated for 

2020, submitting 45 stunning pieces of 

artwork, ranging from oil, watercolor, 

and mixed media. 

This year, due to COVID-19 restrictions, 

we are unable to hold the 

Awards Ceremony, however, the original 

artwork can be viewed online any 

time on the TemeculaValleyMuseum. 

org website. 

Dear Third District Resident 

by Supervisor Chuck Washington 

The Riverside County Third District 

Supervisor’s Office is working remotely 

to answer constituent questions about 

property taxes, COVID-19 restrictions 

and mandates, obtaining benefits and 

other County-related matters. 

Staff members are available Monday 

through Friday from 8 a.m. to 5 p.m. 

Please call 951-955-1030 or send an 

email to d3email@rivco.org, and someone 

will be in touch with you promptly. 

You may also visit our Facebook and 

Instagram pages (@supervisorchuckwashington) 

and Twitter page (@Sup- 

Washington). 

Just as a reminder, the weekly bulletin 

has transitioned to a biweekly bulletin. 

The next one will be released Wednesday, 

Dec. 9. 

The best 

WAY 

to 

“ 

Eighteen artists 

participated for 2020, 

submitting 45 stunning 

pieces of artwork, ranging 

from oil, watercolor, and 

mixed media. 

LAUNCH 

See how advertising in 

in the Valley Business Journal can help. 

publishertvbj@verizon.net 

(951) 461-0400




Temecula Valley Lexus Breaks Ground on 

Luxury Dealership 

A brand-new Lexus dealership 

is coming to the City of Temecula. 

Temecula Valley Lexus started grading 

on a 54,383 square foot state of 

the art dealership that will be located 

on 4.73 acres of land at 42081 DLR 

Drive. The dealership will include 

rooftop parking, sales, service, parts 

and storage. 

Temecula Valley Lexus is part of 

the ownership family of Temecula 

Valley Toyota. Tom Rudnai, President 

of Temecula Valley Toyota says, 

“We are thrilled to bring Lexus to the 

Temecula Valley. 

This has been a long process, but 

we thank the City and community for 

the ongoing support. We look forward 

to opening our doors with a brand-new 

state of the art facility in the fourth 

quarter of 2021. 

The City of Temecula welcomes 

Temecula Valley Lexus to the community. 

“Here in Temecula, we have 

such a community centric group of 

Auto Dealers. 

Temecula Valley Toyota is definitely 

a part of this group. They are 

very philanthropic in addition to being 

one of the City’s Top 25 Sales Tax 

Producers. 

We are ecstatic to welcome Temecula 

Valley Lexus to the community 

and proud that a local dealership is 

maintaining ownership.” Says Mayor 

Pro Tem Maryann Edwards. 

Construction for Temecula Valley 

Lexus is estimated to take 11 months 

to complete. 

Together, Making a Difference 

With the holidays approaching and 

bringing in some much-needed warmth, 

thankfulness and good cheer, we know 

nonprofits are working overtime to ensure 

that those they serve will experience 

some goodwill through this challenging 

time. In the “Spirit” of giving, we are 

taking the phrase, “it is better to give than 

to receive” to heart. The #JDSFamily is 

encompassing this feeling and participating 

in #GivingTuesday! The national 

day of generosity is an opportunity to 

positively impact the community and 

help those who may need an extra hand. 

#GivingTuesday occurs this year on 

December 1, the Tuesday after Thanksgiving. 

It’s a day to acknowledge the 

power of giving, volunteerism and simple 

acts of kindness. Please join JDS Creative 

Academy on this day when communities 

and businesses come together to support 

the greater good. To support this national 

day of giving, start by sharing the good 

news of the #GivingTuesday campaign, 

help a loved one or neighbor, and if you 

are able, make a donation to your favorite 

supported cause. Every donation and act 

of kindness counts! 

As a nonprofit ourselves, there are 

several ways to help us that don’t have to 

involve a monetary contribution. You can 

share JDS Creative Academy’s worthy 

cause and follow JDSCA on social media 

then like, comment and share. Subscribe 

and watch JDSCA’s local news and 

information TV shows, Spirit Of Innovation 

and SOI Update. Our main show, 

Spirit of Innovation is an award-winning 

magazine-style news and information 

program. Spirit of Innovation is our gift 

to the community to be informed and 

empowered with local, regional need-toknow 

information. 

All of us at JDS Creative Academy 

are honored that Stromsoe Insurance is 

sharing our mission for the month of 

December in their featured Nonprofitof-the-Month 

Program. If you or your 

business is in need of insurance, please 

consider them. JDSCA is a client of 

Stromsoe, and we highly recommend 

their services. For every referral that 

comes their way, they will donate $20 

to nonprofit JDS Creative Academy! 

Call the Stromsoe Insurance Total 

Protection Team at (951) 600-5751 or 

email insure@siaonline.com for more 

information. 

Here at JDS Creative Academy, our 

purpose is to provide career pathways 

and opportunities in visual, performing 

and digital arts for youth, teens and 

adults. The nonprofit hosts an array of 

creative classes for K-12, meeting the 

California Education VAPA Code and 

vendors with all the Charter Schools in 

Southern California. Enrollment for 2021 

classes are open; scriptwriting, backstage 

production, acting, musical theatre, fashion 

design and photography are offered 

virtually and in-person. 

JDSCA also has a specifically designed 

program to provide services to 

adults with Intellectual Developmental 

Disabilities. Did you know that in 2019, 

the U.S. Bureau of Labor Statistics reported 

that only 19.3 percent of persons 

with a disability were employed? JDSCA 

is determined to make this number grow 

and our job-training program works to 

do just that. In today’s changing world, 

inclusiveness is more vital now than ever 

before. 

Attending our events is another way 

you can support our causes. A great opportunity 

to do so is to watch our Willy 

Wonka Zoomsical, being sent directly 

to your inbox. If we don’t have your 

email, subscribe to our newsletter on our 

website, www.jdscreativeacademy.org. 

Be sure to stay tuned because we have 

another production in the works for the 

Holidays. 

Just announced: DigiFest Temecula 

dates! The festival will take place on 

April 16, 17, & 18, 2021. This annual 

event will take place virtually and in-person, 

if able. This city-wide acclaimed 

event is embarking on its fifth year. The 

DigiFest Committee is already in planning 

sessions and volunteers are always 

welcome. Competition submissions 

open January 1, 2021. More information 

about JDS Creative Academy events and 

DigiFest can be found on their websites, 

www.jdscreativeacademy.org and www. 

DigiFestTemecula.org. 

Everyone at JDSCA looks forward to 

“feeling” your kindness on #GivingTuesday. 

The nonprofit hopes you will share 

how you celebrated and tag #JDSFamily 

on social media! This organization believes 

that together, we can make a difference. 

Whatever your holidays look like, 

we hope they are filled with happiness 

and health. Cheers and goodwill to all!




TEMECULA VALLEY HOSPITAL STAFF RECEIVES AWARD 

CONTINUED FROM PAGE 1 

Jimmy Moore was known by many 

as “Mr. Temecula” for having played a 

major role in the City of Temecula incorporation 

in 1989. Jimmy was a 29-year 

veteran of the U.S. Army who served as a 

pilot in the Vietnam War, and was an Icon 

within the Temecula Valley Community. 

Jimmy was a member of the Kiwanis 

Club of Temecula Valley, and they acknowledge 

his accomplishments by recognizing 

them annually with a “Citizen 

of the Year” award in his name. 

“Each year our club presents this 

award to individuals, community service 

organizations or institutions that contributes 

to our community in an exceptional 

way. The Temecula Valley Hospital staff, 

management and facility certainly cover 

all three types of past recipients of this 

award,” said Mark Ward, President, Kiwanis 

Club of Temecula Valley. 

“It is an honor to receive this very 

special award on behalf of our hospital 

staff,” said Darlene Wetton, Chief 

Executive Officer of Temecula Valley 

Hospital. “Our Temecula Valley Hospital 

employees and the Kiwanis Club have 

our community at heart in everything 

they do. What a wonderful way for our 

teams to come together to celebrate Jimmy 

Moore’s legacy of our region!” 

Please see the attached photo of 

Temecula Valley Hospital (TVH) CEO 

Darlene Wetton and Temecula Valley 

Kiwanis Club. 

About Temecula Valley Hospital 

Temecula Valley Hospital (TVH), 

with a 5 Star Medicare Hospital Compare 

rating, brings advanced technology, 

innovative programs, patient-centered 

and family sensitive care to area residents 

featuring 140 private patient rooms. 

TVH is the first Universal Health 

Services Hospital Emergency Department 

in the country to achieve accreditation 

from the American College of Emergency 

Physicians (ACEP) as a Geriatric 

Emergency Department. TVH specializes 

in advanced cardiac services, stroke care, 

general and surgical specialties, and orthopedics 

as a recent Blue Distinction® 

Center Designation for Quality in Knee 

and Hip Replacement Surgeries. 

TVH is nationally recognized for Patient 

Safety by the Leapfrog Group, with 

a 2017 Top Hospital Award and seven ‘A’ 

Grades for Patient Safety. 

For more information, please visit 

https://www.temeculavalleyhospital.com/ 

about/news 

About Kiwanis Club of Temecula 

Valley 

Kiwanis International is a global 

organization of volunteers dedicated 

to improving the world one child and 

one community at a time. The Kiwanis 

Club of Temecula Valley is focused on 

serving the needs of their community 

with emphasis on children but is also 

involved in projects that serve others. 

For information about the Kiwanis Club 

of Temecula Valley, please visit their web 

site at www.kiwanistv.org. 

PHOTO PAGE 1 (L to R): Kiwanis Club President 

Mark Ward; TVH CEO Darlene Wetton; Kiwanis 

Club member Dale Qualm; TVH Board Chairman 

Maj. Gen. Claude Reinke; and Kiwanis Club 

member Jim Stead. 

THE LEGISLATIVE SUMMIT 


23 

Next year my priorities will 

continue to be on the needs of this 

region. We must ensure that we have 

sufficient resources and response to 

disasters like COVID and prevention 

of wildfires, that we have a secure, 

reliable water supply for people and 

agriculture alike, that our education 

system is funded with operational 

certainty for students and parents, 

that people can access health care 

easier, and that our increasingly overcrowded 

highways are modernized 

and upgraded. 

The pandemic’s economic fallout 

has been catastrophic for thousands 

of people and for California’s overall 

economy. With businesses closing 

and thousands losing their jobs it is 

critical the state fixes the EDD, DMV 

and other failures. 

With that in mind, I will support 

policies that help small businesses 

and job creation to get the economy 

moving again. Needless to say, a faltering 

economy results in fewer tax 

dollars. Meeting the responsibilities 

of government will be extremely 

challenging with the tight state budget. 

But we must take a close look at 

our priorities to put necessities above 

desires. 

In Sacramento, we may disagree 

on many issues, but there is much we 

agree on. Healthcare, education, wildfires, 

water and power infrastructure, 

and our economic distress – none of 

these is political which creates the 

need for bi-partisan solutions. 

As the new session begins, I will 

continue to work with my colleagues 

from both parties as we tackle the 

enormous challenges facing California. 

I am humbled by the support I 

received from the district November 

3rd, and I look forward to continuing 

to serve you in Sacramento. 

Assembly Republican Leader Marie 

Waldron represents the 75th Assembly 

District in the California Legislature, 

which includes the communities 

of Bonsall, Escondido, Fallbrook, 

Hidden Meadows, Pala, Palomar 

Mountain, Pauma Valley, Rainbow, 

San Marcos, Temecula, Valley Center 

and Vista.





2020 GIFT IDEAS FOR BUSINESS AND HOME USE 




25 

Once again, the market is flooded 

with tech gifts and gadgets for the holiday 

season. However, whether working 

from home or the office, gifts that can 

be used for both business and personal 

use make the decision-making process 

easier. To get started, here are few ideas 

and their applications. 

Mini- Photo Printers – These have 

been around for a few years but technology 

and quality has improved. Initial 

devices had limited use but now for 

example requirements such as the need 

to secure facilities with photo ids, temporary 

badges can be quickly created. They 

may also provide a photographic hardcopy 

timeline of a product being manufactured 

for the buyer. A mini-printer 

can be right for any application which 

needs a picture on your phone printed 

immediately. 

Smart Theatre Projectors – For a 

number of years it’s been great fun to put 

on a neighborhood outdoor movie night 

with one of these. But newer and smaller 

HD projectors will play your latest marketing 

video or commercial within your 

store allowing potential consumers to see 

your product in action. 

Bluetooth Speakers – They’ve been 

on Christmas lists for a while but continued 

development makes them useful 

in environments providing background 

music to shop, dine outside or keep 

your customers relaxed while waiting 

for their turn in line. Easily relocatable 

waterproof speakers with no wires to run 

allow exposure to the elements without 

worry of damage. 

Smart Controlled Devices – This 

technology field has continued to expand 

so that one can set up their own security 

system at a business or home and mon- 

by 

by 

Ted Saul, 

Steve Fillingim 

Sr. Staff Writer 

itor from a smart phone. Control lights, 

door locks, cameras and temperature to 

name a few giving peace of mind that 

the building has been properly secured. 

Wireless Headsets and Earbuds 

– With longer battery life and comfort 

levels these devices are an excellent tool 

where communication between employees 

is essential. Many restaurants with 

drive-thru and curbside delivery use them 

today to coordinate employee movement 

and prevent unnecessary steps. But other 

applications are waiting to be discovered 

where finding that one employee quickly 

is essential. 

New High-Speed Routers – Businesses 

operating from home can find 

themselves in competition with school 

work, gaming and entertainment streaming. 

These new devices can work at 5G 

speeds to handle more traffic than ever. 

Everyone both family and business will 

benefit from this performance upgrade. 

Happy Shopping. 

Ted Saul is a business coach that assists 

with Business Plans and Project Management. 

He holds a master certificate in 

project management and has earned his 

MBA from Regis University. Ted can be 

reached on LinkedIn, TedS787 on Twitter 

or emailing TedSaulBiz@gmail.com. 

However, whether working from home or the 

office, gifts that can be used for both business 

and personal use make the decision-making 

process easier.




YOUR LOCAL CHAMBERS 

Temecula Valley Chamber of Commerce 

www.temecula.org 

Murrieta/Wildomar Chamber of Commerce 

www.MWCoC.org 

Menifee Valley Chamber of Commerce 

www.menifeevalleychamber.com 

Lake Elsinore Valley Chamber 

www.lakeelsinorechamber.com 

Hemet/San Jacinto Valley 

Chamber of Commerce 

www.hsjvc.com




27 

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December 20

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