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City News Tips To Avoid Foreclosure… We all know what a financial strain it has become during the recent months. Difficult economic times do not mean that you will be forced to lose your home. If you are having trouble paying your mortgage please consider the following steps: 1. Don’t ignore the problem. The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house. 2. Contact your lender as soon as you realize that you have a problem. Lenders do not want your house. They have options to help borrowers through difficult financial times. 3. Open and respond to all mail from your lender. The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court. 4. Know your mortgage rights. Find your loan documents and read them so you know what your lender may do if you can’t make your payments. Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting the State Government Housing Office. 5. Understand foreclosure prevention options. Valuable information about foreclosure prevention (also called loss mitigation) options can be found on the internet at www.hud.gov. 6. contact a hud-approved housing counselor. The U.S. Department of Housing and Urban Development (HUD) funds free or very low cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance. To find an approved HUD counselor, visit the HUD website or call (800) 569-4287 or TTY (800) 877-8339. Fellow TVCC Members Can Help You Keep Your Kids Busy This Summer With the summer months officially on us – many are looking for ways to keep the kids active and busy – and not waste the summer on video games and mischief. The Temecula Valley Chamber of Commerce has many great members that can help get the kids out of the house this summer and get them involved. Boys & Girls Clubs of Southwest County 951-699-1526 www.bgcswc.org Musicians Workshop 951-678-2517 www.musiciansworkshop.org Temecula Valley Music for Young Children 951-926-0665 www.myc.com/teacher/cmeeks Swim to Shore 951-600-5702 www.swim2shore.com Temecula Valley Aquatics 951-506-4433 www.temeculavalleyaquatics.com p6 Temecula Today | June 2008 Huntington Learning Center 951-695-9016 ABC Child Care Center 951-699-5251 www.abccares.com ABC Village 951-491-0940 www.abccares.com Kindercare Learning Center 951-296-0403 www.kindercare.com 7. Prioritize your spending. After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses such as cable TV, memberships, entertainment-that you can eliminate. Delay payments on credit cards and other “unsecured” debt until you have paid your mortgage. 8. Use your assets. Do you have asset? Perhaps a second car, jewelry, a life insurance policy, that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don’t significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home. 9. Avoid foreclosure prevention companies. You don’t need to pay fees for foreclosure prevention help. That money can be used to pay the mortgage instead. Many “for-profit” companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month’s mortgage payment) for information and services your lender or a HUD approved housing counselor will provide free if you contact them. 10. Don’t lose your house to foreclosure recovery scams! If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a trusted real estate professional, or a HUD approved housing counselor.
Have Your Eyes Check by Dr. Venittelli at Temecula Creek Optometry Dr. Gio Venittelli and his team at Temecula Creek Optometry are conveniently located in South Temecula on Temecula Parkway. Temecula Creek Optometry offers fullservice family eye care with convenient hours including evenings and Saturdays. Dr. Venittelli and his staff are dedicated to providing the highest quality eye care in a personal, friendly, and compassionate environment; several team members speak Spanish (se habla Espanol). There are frames and lenses for every budget – from $85 frame and lens packages to designer frames and the latest technology lenses. Dr. Venittelli and his staff will customize an individual treatment plan for each patient to make sure the patient understands each option available in glasses design, contact lenses, medical or surgical options. Dr. Venittelli grew up in St. Paul, Minnesota, and attended the University Minnesota for his undergraduate work. He received his doctorate from Southern California College of Optometry in Fullerton. He graduated Summa Cum Laude. For seventeen years, Dr. Venittelli practiced Optometry at a large medical group of 75 physicians in Long Beach, California. Dr. Venittelli has a special interest in eye disease detection and management, an interest fostered over the many years of working closely with ophthalmologists. He yearned to leave corporate health care and to have a practice of his own in an area with a small-town feel. Temecula offered the perfect opportunity. Dr. Venittelli wants you to mark your calendars for these special “Trunk Show Events.” Dolce & Gabbana plus Donna Karan: Wednesday, June 25, 3 – 7 p.m. FENDI: Saturday, July 26, 10 – 2 p.m. Visit our website at: temeculacreekoptometrist.com. We look forward to meeting you and your family and providing you with the best vision care experience you have ever had! Call for an appointment today (951) 302-1331. Model Clean-Air Truck Program to Reduce Diesel Emissions Granite Construction Company announced a new clean-air truck program developed in cooperation with South Coast Air Quality Management District (AQMD) that would substantially reduce regional air quality impacts resulting from the proposed Liberty Quarry project in Southwest Riverside County. The Liberty Quarry Clean-Air Truck Program is designed to reduce emissions from the heavy-duty trucks involved in transporting aggregate in the region. In spite of the fact that only thirteen trucks will be needed during the first year of operations, Granite has agreed to replace and/or retrofit ten times that many trucks, resulting in emissions reductions for over 13 million truck miles. The accelerated mitigation results in significant reductions in particulate matter (PM10) and nitrogen oxide (NOx) emissions from the project, two key pollutants that must be significantly reduced in order for the region to meet federal health-based air quality standards. Granite will work with CARB and South Coast Air Quality Management District to determine the best technology available to retrofit truck engines before the project opens. As a result of the Granite program, individual truck emissions will be reduced 85% – 90% for particulate matter and, depending on the technology, an estimated 40% for NOx, according to Kleinfelder, air quality consultants for the project. The clean-air truck program is unique and significant for the local area because it accelerates an aggressive reduction of diesel particulate emissions in advance of CARB regulations. The local area won’t have to wait to receive the full benefit of improvements to local air – improvements that would otherwise not be realized until some time into the future when the project reaches its full capacity and depending on when the future CARB regulation becomes effective. The AQMD was instrumental in the development of the innovative clean-air truck program. Advancing new engines and clean air retrofits to the project’s on-road truck fleet on day one exceeds current or contemplated regulatory requirements for the project or the industry overall. The California Air Resources Board is considering new regulatory requirements for fleet replacement that would require California truck owners to replace or upgrade older, dirtier diesel engines over time. But the accelerated Granite program commits the company to the accelerated air quality improvements from the first day the project opens.program commits the company to the accelerated air quality improvements from the first day the project opens. The Gas Company has $18 Million Available for Business to Improve Energy Efficiency Utility hopes to beat $8 million in incentives awarded last year As part of its ongoing campaign to help businesses save money, save energy and reduce greenhouse-gas emissions, Southern California Gas Co. (The Gas Company) is offering more than $18 million in rebates and incentives to its business customers this year for making their business operations more energy-efficient.. In 2007, business customers took advantage of more than $8 million in incentives through the company’s energy-efficiency programs. “On top of the incentives, the savings continue with lower monthly energy bills from the reduced use of natural gas,” said Mark Gaines, The Gas Company’s director of customer programs. Last year’s program activity is saving more than 20 million therms of natural gas annually—resulting in customer savings of more than $10 million per year. “By taking advantage of The Gas Company’s programs, we have earned rebates totaling more than $100,000 over the past three years,” said Juliann Rogers, energy manager at Carl’s Jr. restaurants. “And we’re looking for more.” Virtually any of the utility’s 250,000 business customers can benefit from these programs. The Gas Company helps meet a variety of needs by offering a broad mix of energy-efficiency programs, including: • The Business Energy-Efficiency Program, which provides incentives of up to $1 million per customer, per year for equipment replacement and/or improving business processes; • The Express Efficiency Rebate Program, which offers rebates of up to $200,000 per customer, per year to offset the cost of new, energy-efficient equipment; • The Savings-By-Design Program, which provides financial incentives of up to $150,000 per commercial customer and $500,000 per industrial customer, encouraging energy-efficiency improvements in conjunction with expanding existing facilities, adding new facilities, or adding new equipment; • The Industrial End User Program, offered at no charge, which helps industrial customers work through technical issues to identify and quantify cost savings from complex energy-efficiency projects; and • The Advanced Home Program, which encourages builders to develop new single- family and multi-family homes that incorporate sustainable design and higher energyefficiency standards. For more information on The Gas Company’s energy-efficiency rebates and incentives for business, visit www.socalgas.com/energyefficiency, contact a representative from The Gas Company, or call (800) GAS-2000. All incentives and rebates are subject to change without notice and will be offered on a first-come, first-served basis as long as funding is available. These programs are funded by California utility customers and administered by The Gas Company under the auspices of the California Public Utilities Commission. Southern California Gas Co. has been delivering clean, safe and reliable natural gas to its customers for more than 140 years. It is the nation’s largest natural gas distribution utility, providing safe and reliable energy to 20.1 million consumers through 5.6 million meters in more than 500 communities. The company’s service territory encompasses approximately 20,000 square miles in diverse terrain throughout central and Southern California, from Visalia to the Mexican border. The Gas Company is a regulated subsidiary of Sempra Energy (NYSE: SRE). Sempra Energy, based in San Diego, is a Fortune 500 energy services holding company Temecula Today | June 2008 p7
Page 1 and 2: Tips to avoid foreclosure Temecula
Page 3 and 4: 26790 Ynez Court, Temecula, CA 9259
Page 5: Join the TVCC on a Trip to Washingt
Page 9 and 10: no Magic Solution: Powering Califor
Page 11 and 12: Temecula Valley Chamber Opposes Man
Page 13 and 14: Temecula Valley Ribbon Cuttings Old
Page 15 and 16: & june 2008 All events and meetings

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