18 THE SUN SIGNATURE - FEBRUARY 2010
New competitive soccer team formed in 4S Ranch Blossoms to berries coming to Old Poway Park
4S Ranch Youth Soccer Associa-
tion has announced the expansion
coached and served as Board
members for the Long Island Junior
Interested players should check
courtesy of the Poway Valley Garden Club
the 4SRYSA and the Avengers’ The Poway Valley Garden Club is irises, annuals, perennials, succu-
of the competitive soccer division Soccer League.
and inaugural season of 4S Ranch Ruben Martinez is a native of the websites at: www.4SRanchSoccer. gearing up for their 32nd Standard lents, cactus, vegetables, fruits and
Avengers San Diego area and received his first com or: www.AvengersSoccer. Flower Show and plant sale on berries. Also included is a variety
4S Ranch Youth Soccer Asso- coaching license at the age of 17. In com for tryout dates, times and April 17 in Old Poway Park. of floral designs and arrangements,
ciation (4SRYSA) is expanding addition, 2010 4S Ranch Avengers additional information. The Show provides an opportu- spanning from miniature arrange-
its competitive soccer division, coaching staff will include David The tryout schedule will be onJan. nity for gardeners to show off their ments to traditional floral designs.
bringing in Rob Alarcon and Ruben O’Reilly (Del Norte High School 23 and 24 at Del Norte High. talents and compete for placement There will be a Special Exhibit for
Martinez as directors of girls and Boys Head Coach), Gary Rossi (Del Jan. 23 tryouts: in their category of choice, includ- children featuring birds, bees and
boys competitive soccer. Norte High Schools Girls Head 9-10:30 a.m., GU8/9 call backs ing a wide array of horticulture and butterfly activity, coinciding with the
The new competitive division Coach), and Greg Lee (formerly at 10:30-noon, BU8/9 call backs,
floral design. theme: “Birds, Bees and Butterflies
of 4SRYSA will play under the PQYSA). Noon-2 p.m., GU10 tryout, 2-4
p.m., BU10/11 tryout, 4-6 p.m., The plant sale has good bargains. – Provide, Protect and Enjoy.”
name of 4S Ranch Avengers and 4SRYSA’s new competitive di-
will participate in the 2010 Presidio vision, “The Avengers,” will hold GU11 tryout. It is open to the public on Saturday, For more information about the
gaming league. competitive tryouts in early 2010, Jan. 24 tryouts: April 17 from 9 a.m. until 3 p.m. Flower Show and how to enter,
Rob grew up in a family im- at its home fields in 4S Ranch 11 a.m.-1 p.m., BU12/13 tryout, Admission is free. contact Sharon Tooley at (858)
mersed in the soccer community Community Sports Complex, and 1-3 p.m., GU12/14 tryout The horticultural categories have 672-2593.
of New York. His parents both neighboring Del Norte High School 3-5 p.m., BU14/GU13 tryout been expanded to include: roses, Please see PARK, page19
Money, Mortgage/Real Estate
Tips for disaster victims: What should you do after you experience a disaster? Before accepting any offer from claim is best, it oftentimes is not that you may not need a public in-
By Ron Reitz pets are safe. Then find a place to
Quality Claims Management, live. Most insurance policies pro- an insurer, be sure that the offer best for the insured. Claims take a surance adjuster. The prudent thing
Southern California’s top public vide coverage for housing after a has been reviewed and analyzed long time to settle. The more time to do is to talk to or meet with a
insurance adjuster, provides sev- disaster. You do not have to rough it against the insurance policy so that and effort you spend valuing your public adjuster to discuss your spe-
eral important tips for those who or sleep in a shelter. Find a hotel. you know ALL insurable damage claim, the higher your ultimate cific loss and get their opinion.
have suffered a fire loss, mudslide Take a breath and do not make has been included and adequately settlement will be. How to select a public insurance
or disaster. any hasty decisions. Once you addressed. Start your personal property in- adjuster. First and foremost, only
If you have lost your home, read start talking to your insurance Do not speed through the pro- ventory immediately. This will be talk to a firm that adheres to and
this before you sign anything. company, do not accept the first cess. While you may believe very lengthy, detailed and emotion- operates under a strict Code of
First, make sure your family and offer you receive. that the fastest resolution of your ally-involved process. Your mem- Professional Conduct, such as
ory is best right after the loss, so that of the National Association of
start to compile your list of person- Public Insurance Adjusters. Go to:
al property immediately. It is very www.napia.com. Be sure to check
likely that you will not remember with the California Department
to list all of your items and several of Insurance at: www.insurance.
months later, while looking for ca.gov/license-status/ to verify the
certain things, you will determine firm and individual are licensed.
they are gone. This is most often Ronald R. Reitz, CPPA is presi-
the case with partial losses. dent of Quality Claims Manage-
The insurer will have a team of ment at: www.qualityclaims.com.
adjusters that will read and inter- pioneered the National
pret the language of the policy as He is the past president of the
they believe it to be. There is a California Association of Public
natural conflict of interest for the Insurance Adjusters (CAPIA).
insurer to represent the insured as Quality Claims Management
well as themselves. The less mon- Corporation provides hazard claim
ey an insurer pays on a claim, the recovery services to investors,
more profitable they are. It makes mortgage servicers, homeowners
Municipal Bonds sense then, to hire a licensed pub-
lic insurance adjuster that will
All claims are adjusted by li-
A Market Opportunity
work on your behalf with a goal censed insurance professionals for
Recent volatility has created a potential opportunity in the municipal bond market. Tax Free municipal of settling for the maximum you an equitable settlement and accel-
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has only occurred a few times during the past 10 years. While past performance is no guarantee of future the policy. Quality Claims is nationally
results, history has shown that this may be an opportune time to buy municipal bonds.
To learn more about this opportunity please call me today for a complimentary copy of a report written Does every loss require the ex- licensed as Public Insurance Ad-
by our Municipal Bond Strategist, George Friedlander. pertise of a public insurance ad- justers or Insurance Consultants
juster? and complies with Department of
Liza C. Pille No. There are many situations Insurance Regulations
Vice President - Wealth Management
Municipal Bonds may not be suitable for all investors. This does not MorganStanley
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Please consult your Financial Advisor to determine bonds are suitable for you. SmithBarney NANCY CANFIELD
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partially, before the scheduled maturity date. Proceeds from sales prior to maturity may be more or less than originally invested due to changes in market conditions or changes in the credit quality of the issuer.
C 2007Citygroup Global Market Inc. Member SIPC. Smith Barney is a division and service mark of Citygroup Global Market Inc. and its affiliates and is used and registered throughout the world. Citi and Citi with Arc
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Windermere Exclusive Properties
16890 Bernardo Center Drive
Century 21 Award
San Diego, CA 92128
9934 Mercy Rd. # 200
San Diego, CA 92129 AWARD Email: firstname.lastname@example.org • www.nancycanfield.com
17 years in San Diego Real Estate
Knowledgable ... Service • Integrity • Experience • RESULTS!
17 years serving North County Inland
Centurion Producer Award Winner
Office 858-676-6165 Shirley
1998, 1999, 2000, 2001, 2002, 2003, DRE#00899853 email@example.com Napierala
2004, 2005, 2006, 2007 and 2008
families Gated Community in Rancho Bernardo Comfortable Home in Rancho Penasquitos
make 2 BR/2BA home in prestigious Permitted Granny Flat 4 BR/3 BA.
their Cortina - Mira Mesa
Master Hill. Vaulted ceilings. 2347 esf including the permitted
next Open floorplan. Light & Bright. granny flat with kitchen and
move.. Spacious master bedroom and bath. Christmas Card Lane area
Smoothly” master bath. Living room with lots of Rancho Penasquitos. Single
of windows & slider to patio. Cozy story home. Close to all levels of
fireplace. Call Toni Church, schools. Remodelled kitchen. Eastview Beauty in Rancho Bernardo
Century 21 Award, 858-354-5820. A/C. Open floorplan. Call Fabulous home with upgraded kitchen, fresh paint and carpeting.
(858) 354-5820 or email: Toni@ToniChurch.
com . . . . . . . . . $465,000
Toni Church, Century 21 Award, VIEWS, fireplace in family room, backyard BBQ; master down and
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858-354-5820. . . . . . . $550,000 2 up plus loft, shutters in bedrooms. 2673 sq.ft. . . . . . $659,000
THE SUN SIGNATURE - FEBRUARY 2010 19
Continued from page 18
have looked in Poway.
• The newest garden, the Statuary
and personal property.
The Poway Valley Garden Club Romancing the tiger; it’s like a Chinese
Garden at Templars Hall, features meets the second Wednesday each
Throughout the year the Club main- California native plantings demon- month (except July and August) at the love
Valentine’s Day to shareexpress love to family and
tains three community gardens: strating minimal water usage. 9 a.m. at Templars Hall in Old Po- For the third time since 1900,
As a member of California way Park. Most meetings include Valentine’s Day falls on the same friends or even deepen love with
• The Rose Garden at Lake Po-
day as the Chinese New Year. This spouses or partners. The day can
way was started in 1973 and today Garden Clubs, Inc. and National a guest speaker, social time with
event won’t happen again until be full of celebration, fun, love,
showcases 45 rosebushes of vari- Garden Clubs, Inc., the Poway refreshments and business meet-
after 2030. and fresh starts with broken New
ous types and colors. It is also the Valley Garden Club strives to ing. All are welcome to attend.
This year of the tiger is sug- Years’ resolutions such as losing
site of a Blue Star Memorial. promote interest in gardening and For more information, view their gested to be filled with passion those few extra pounds.
• The Nelson House Period Garden, related creative activities. It also website at: powayvalleygarden- and capable of great love. Take Chinese New Year and Valentine’s
started in 2003, demonstrates how a encourages improvements and club.org or contact them at 858) advantage of both holidays fall- Day is a time for forgiveness, shar-
1900 turn-of-the-century garden may beautification of our community 672-0459. ing on the same day to attract new Please see TIGER, page 20
Money, Mortgage/Real Estate
• better and deeper rooting showing signs of wilt. With repeat Chamber of Commerce and the RB small irrigation problem to a com-
Landscape • more healthy turf resulting in: aerations, your lawn will show Business Association. plete irrigation system overhaul.
Talk less water and fertilizer use, more enhanced heat and drought stress Greenway is ready to help you Call Scott Lawn, owner at (858)
aggressive growth and better turf tolerance, saving you water and with any or all of your landscape 486-8277 and let us know how
Scott Lawn grass peformance during stressful money. With aeration, run off is projects, from a spring clean-up to we can help you. Also, visit the
Greenway Landscape periods. prevented because your water goes a major landscape makeover or a website at: grnway.com.
Professor Vassey also states all into the holes and gets right to the
Lawns need aeration turf grasses will benefit greatly
from at least two aerations per
Greenway Lawn Aeration pro-
With the winter rains upon us,
your lawns will need help to use year and three to four would be vides this service for as low as
the rain waters efficiently. even better. $40 for most front lawns and $65
If you have a lawn, you need to Lawns need aeration to improve for both front and back lawns of
aerate. Lawn aeration provides the depth and extent of turf grass average size. During your aeration
thousands of holes in your lawn rooting and to improve fertilizer appointment, we can also fertilize
which allows the water to get and water use. your lawn.
deeper into the root zone and pre- Lawn aeration is the process Greenway Lawn Aeration has
vent water loss and run off. of mechanically removing small been providing Lawn’and Land-
Professor Vassey from Cal Poly plugs of thatch and soil from the scape solutions for our custom-
states the benefits of turf aeration lawn to reduce soil compaction and ers for over 17 years. We are a
are as follows: improve soil aeration. In this way, licensed Landscape contractor,
• increased water and air move- aeration helps all lawns. accredited member of the Better
ment into soil After aeration, your lawn will Business Bureau with an A+ rating,
• reduced thatch buildup be able to use less water without member of the San Diego North
Solar buzz – Does going solar make dense for me?
If you’ve been hearing about tax deduction but a tax credit and The financing covers the cost of
the financial benefits of solar and there is no cap on the amount. installing a solar PV array and can
wondering if it could benefit you, Rebates - The California Solar be repaid over 20 years.
this information should help. Initiative is offering a rebate. Cur- For more information, call
A solar system installed on your rently, the residential rebate is Dream Design Builders at 1-877-
property can reduce or eliminate $1.10/watt, approximately 20% of DREAMS7 or visit their website at:
your SDG&E bill. Solar energy the cost of a solar system. Rebates www.DREAMS7.com. They are a
panels can benefit consumers re- for commercial, new construction, San Diego Home Remodeler and
gardless how small or large their non-profits and other entities are Solar Installer and winner of Bet- 858-577-2400
bill may be. Instead of paying even higher. These rebates are on ter Business Bureau’s 2009 Torch
SDG&E, you are paying for your a tier system. The current tier is Award for Marketplace Ethics.
own solar powered electric plant $1.10/watt. It will be dropping to
which can provide a return on your $0.85/watt sometime in the future.
investment in 4-9 years. These rates drop as they are used
They say that in life, timing is ev- on a first come, first serve basis. So
erything, and that is certainly true in if you’re thinking about going solar,
regards to solar. Right now, the fol- putting it off may cost you money in Kitchen Remodels
lowing incentives are being offered: the form of a lower rebate.
Tax Credit - The Federal Gov- Financing - The City and County Bathrooms
ernment provides a 30% Solar of San Diego are rolling out pro-
Investment Tax Credit. Not just a grams which provide financing. 2-time BBB Torch Award Winner!! Custom Homes
Design and Build
Winner, 2009, San Diego BBB
Winner, 2007, San Diego BBB
Standing up for traditional, conservative (858) 674-9818 • Lic. #510072
values in North County since 1995 16990 Via Tazon, Suite 125, San Diego, CA 92127 www.DREAMS7.com
BENEFITS OF AERATION
TONY KRVARIC Hi Duane, SAVES WATER SAVES MONEY
PRESIDENT & CEO • Reduces your water bill by reducing costly runoff
• Helps repair and reduce brown spots
16935 W. Bernardo Drive, Suite 208 I used Dream Design’s Logo and to me.
• Stimulates root growth same green lawn
Torch logo from thefor a thickone you sent
San Diego, CA 92127 I know you are able to create the ad yourself. You are always welcome to do this.
PAY FOR ITSELF IN WATER SAVINGS
Phone | 858-451-9700 I will be available to you all the time for any kind of assistance. The size of the ad
Fax | 858-451-9701 40
must be 6.0625” left to right and 3.25” top to bottom , convert the ad to PDF file
$ $ 65
Web | www.krvariccapital.com and e- mail to me prior to attached deadline schedule.
FRONT ONLY AERATION FRONT AND BACK AERATION
Lawns larger than 1,000 sq.ft. Lawns larger than 2,000 sq.ft.
$20 per each additional 1,000 sq. ft. $20 per each additional 1,000 sq. ft.
Thank you, Sam
The sod and seed experts say for When was the last time you
HELPING CONSERVATIVES GROW, RATED
the healthiest lawn you should...
6 MONTHS had your lawn aerated?
PRESERVE AND DISTRIBUTE WEALTH BEST PRICE We also fertilize at the time of aeration, It’s the best time for fertilize.
Call today BEST SERVICE Front $8 (up to 1,000 sq.ft.) • Front & Back $16 ( up to 2,000 sq.ft.)
Tony Krvaric is a Registered Representative and Investment Adviser
Representative with/and offers securities and advisory services through
858-486-8277 SERVICES OFFERED
• Aeration • Weed preventative
Commonwealth Financial Network,® Member FINRA/SIPC, Scott Lawn, Owner • Annual fertilization service • Dethatching
a Registered Investment Adviser. CA Insurance Lic. #0C30071. www.grnway.com • Sprinkler repair and installation • Overseeding
Let GREENWAY do it CA Lic. #856402 • Sod and landscape makeovers • On-site consultations
20 THE SUN SIGNATURE - FEBRUARY 2010
long with the color red, which is prepare breakfast in bed for your the children involved in festive gerie or matching his and her red
TIGER associated with both Valentine’s special love or a romantic brunch. preparation. Make heart-shaped T-shirts. Sprinkle red rose petals
Continued from page 19 on bed and light the red candles
Day and Chinese New Years. Remember chocolate-covered cookies decorated with red icing
ing love and good fortune. Good Chinese New Year traditions sug- strawberries and two red roses, and red sprinkles. While dining, for added romance. Surprise your
business is rooted in relationships; gest that you clean your house with one rose for each of you, nestled share sentiments with each other love a special poem written with
bring extra heart and celebration the intentions of sweeping away together in a single vase. with candied, conversation hearts red ink.
into the office too. any misfortune, which also makes Invite your family over for a spe- and Chinese fortune cookies used For more information, go to:
Set the momentum for more love room for good luck. cial meal featuring red tableware, to decorate the table. www.jamilin.com/media/ or call
and better relationships all year Since Feb. 14 is on a Sunday, flowers, and red-velvet cake. Get Express love by wearing red lin- Jami Lin at (941) 276-8689.
Best Buys/in Real Estate
for existing homeowners who have pairs/remodel and are experienced What am I seeing out there right This is a lot of information in a short
Real Talk owned their current homes at least at assessing the actual costs. now with buyers? First time home- amount of time. Call me for details
About Real Estate
five years, making them eligible for Coordinating the selling of your buyers represent 47% of buyers. and strategically positioning your
tax credits of up to $6,500 when home and buying another, well, Inventory is decreasing in certain particular situation. 2010 is going to
Marilyn Hanes they purchase a new home. This that is my job. Selling your exist- priced homes. In fact, there are be a great year in real estate. Posi-
is not just a tax deduction, it is a ing home at the best price will be parades of people going through tion yourself now for the increase in
tax credit. possible. In fact, if your home IS new listings, with multiple bids on demand in the next decade!
Good news for the If you want to take advantage of
this and the possibility of buying a
NOT a short sale or foreclosure, it
is very much in demand as long as
homes (just like the early 2000’s).
Open house traffic is increasing!
Marilyn Hanes is one of San Di-
ego’s top realtors with a passion for
move-up buyeris your
Existing homeowners, now
short sale or foreclosure, you better
get moving, so to speak. In fact,
it is priced right!
First time homebuyer’s would
First time homebuyers, or anyone
who hasn’t owned a home in the
excellence, a strong work ethic and
a desire to help clients throughout
chance. Maximize on your current 88% of all current move-up buy- prefer to bid on a home that is a last three years, would still get up San Diego County and worldwide.
home and take advantage of the ers are at least somewhat likely to “regular sale,” since the condition to $8,000 tax credit. To qualify, She placed among the top 1,000
great buyer’s market! consider a short sale or foreclosure. of the property is usually better buyers in both groups have to sign NRT Coldwell Banker Sales As-
A good move-up market just got This is most likely due to their un- and they can actually buy it. Short a purchase agreement and be in es- sociates nationally in 2009. You
better. You can qualify for the derstanding home ownership. They sales are a longer and sometimes crow by April 30, 2010 and close by can contact Marilyn at (619) 540-
new tax credit when you move up can visualize the home after cos- uncertain process for buyers, not June 30, 2010. (Certain restrictions 6750 or you can visit her website at:
to your next home. metic repairs. Therefore they are knowing if you are going to close apply. Please consult your tax ac- MarilynHanes.com or e-mail her at:
The new bill calls for an incentive not as apprehensive about the re- by June 30, 2010 or… countant or read the bill online). firstname.lastname@example.org.
Get Get the
was one of this country’s very first
mast-planned communities. The
When making a decision to buy a
home in Rancho Bernardo, be sure Using a Seniors Real Estate Specialist®
big picture community infrastructure was de- to visit the community center and Seniors who need advice about and other issues.
veloped before the houses were built, see what is has to offer. their homes and rental properties By earning the SRES® desig-
George Cooke and in the case of Rancho Bernardo For more information about the can turn to George Cooke, a RE- nation, Cooke has demonstrated
Coldwell Banker that included a community center for communities in and around Rancho ALTOR® with the Rancho Ber- the necessary knowledge and ex-
each community of homes. Because Bernardo, you can visit the website
nardo office of Coldwell Banker pertise to counsel clients age 55-
Rancho Bernardo’s of the investment in the early years,
the monthly fees today are unbe-
at: GeorgeCooke.com and click
on “Community Information.” To
As a long time resident and com-
plus through major financial and
lifestyle transitions involved in
Did you know that when you buy
lievably low for what you get.
Each community center takes
find the official links to the com-
munity centers, click on “Com-
munity expert, Cooke special- relocating, refinancing, or selling
izes in all of Rancho Bernardo, the family home. He has received
a home in Rancho Bernardo, you on the character of its own com- munity Links.”
including its 55+ communities of special training, gets regular up-
get more than just your property? munity. So in the 55-plus areas of George Cooke is a top producing
Oaks North and Seven Oaks you’ll agent in the Rancho Bernardo of- Seven Oaks and Oaks North. He dates and is prepared to offer the
You also get membership in one of has earned the Seniors Real Estate
find more emphasis on senior fice of Coldwell Banker. He can options and information needed in
Rancho Bernardo’s popular com-
activities. The other centers have be reached my e-mail at: George@ Specialist® (SRES®) designation making life changing decisions.
When Rancho Bernardo was first more facilities for children includ- GeorgeCooke.com or by calling by the National Association of The SRES® Council awards
being planned back in the 1960’s, it ing playgrounds, for example. (858) 674-1222. REALTORS®. the SRES® Designation to those
Seniors Real Estate Specialists® members who have successfully
help seniors make wise decisions completed its education program.
about selling the family home, To learn more about Rancho
buying rental property, managing Bernardo and its surrounding
the capital gains and estate tax im- communities, call George Cooke
plications of owning real estate, of Coldwell Banker at (858) 674-
obtaining a reverse mortgage, 1222 or explore his website at:
moving to a senior community, GeorgeCooke.com.
Footwear etc., stop by the Bernardo
SHOES Center Plaza location or check out
Continued from page 1 their location in Little Italy. Who
This Footwear etc. family knows knows? Maybe you will be the
how to do it right. Not only do they next Margaret Hoeschler and be
have a wide selection of fine shoes, honored with a free pair of shoes!
but they make every customer feel Their motto is, “Walk your world
special, even without throwing them in our shoes!”
a party. They continue to set them- For more information, call the
selves apart from the competition RB store at (858) 613-1221 or go
with their unique brands and how online to: www.footwearetc.com.
they give back to the community. They are located at 16777 Bernardo
If you have never shopped at Center Drive in The Plaza Center.
Location, location, location, location
Do you qualify for a Reverse Mortgage?
Are you: dition as defined by the FHA/HUD
• 62 years of age or older? appraisal and property require-
• a homeowner? ments. The vast majority of homes
• have sufficient equity in your in good repair will qualify.
home? Equity in the home is the ap-
If you answered “Yes” to these praised value of your home less any
three questions, you should qualify mortgage(s), home equity loans or
for a reverse mortgage. other liens against the property.
All owners with names on title The amount of equity required
to the home must be at least 62 varies by age; the older you are,
years old. the less equity is required to qualify
The property must be in good con- for a loan.
18th Annual “Women in Business”
Copy Deadline: 3/1/2010