First of all, I want to say thank you for inviting me in almost a year ago. You guys have been a great resource to me just to become a better resource for my clients. I really appreciate that. I’ve been able to give really great referrals to some clients.

With people with certain balances, I am able to say, “Hey, Do you have a trust? With a balance like that..” Some are quite high that I see day in and day out. They really need that protection. So, to be able to say that I confidently trust the referrals I give out in this group is amazing. I really appreciate everything everyone has done for me so far in my career and for my clients. Thank you to Marissa for introducing me to everybody here.

Chris Lin Business Banker

I have a passion to teach, to train, to coach; I’ve been in banking for a long time. I started as a teller then became a personal banker. I grew up in a bank. Any public speaking courage that I do have, comes from my experiences in banking industry with managers that I’ve had and people that I’ve met. Having said that, last week I was offered, and have accepted, the experience of becoming a part of the branch manager-training program for Union Bank. I decided to accept that; maybe even having a branch of my own, a little bit closer to home. The program takes about 6 months. Hopefully by then I will be closer to this group instead of traveling from my office in Laguna. I’ll be much more able to serve your guys’ referrals by then.

During the training, I will be learning more about the business of banking. That is actually a lot of money that the Union Bank is investing in me to do the training. This is actually Union Bank’s Motto: “Investing in U.” Union Bank focuses on customer service. I can stand up here and talk to you about checking, and savings and loans and all of that kind of stuff. Everything is basically the same at every bank that you go to. What Union bank really strives for is customer service. This is what makes the difference with any business that you have.

The service you get from the people you go to is different. The bank is investing in me and a lot with clients. Starting this summer, you’ll see a lot of changes in the bank. Our ATM’s are getting remodeled and you’ll see more imaging going on with those machines. You’ll see text banking. You may be able to transfer money between accounts, between each other. Behind the background, our tellers should be giving more seamless service. Because I’m being recorded I don’t want to share too much. I may share some more things later.

Union Bank is owned by Bank of Mitsubishi, Tokyo. They are the eighth largest bank in the world right now, internationally. They are currently investing a lot in Union bank to expand. You’ll see a lot more branches popping up. Right now we are in the Santa Barbara territory. We are in the midst of purchasing Santa Barbara Banking Trust. When you guys go to Santa Barbara, you’ll see some branches there. Recently, Union Bank has hired the marketing company Eleven, which is the company that Apple used to headway their marketing recently. So I just wanted to let you guys now that we are going to be huge, hopefully, with the help of Eleven. I will open it up to questions now.

For the text banking, what type of fee can we expect with the transfer of money?

I don’t know yet. They haven’t shared that with us yet. It will be coming this summer.

Where are your branches currently? Is it nation-wide?

Not currently. We are in California, Washington, and Oregon.

I just wanted to say that Union Bank handles about $2 million a year in rent checks from us and that they have handled our trust account and it is always very easy to read. I would certainly recommend them to any small business starting out.

What is the fee to view transactions that you have made?

You would do this by going online to our online banking which is free. There would be no fee. You can view all of the checks that you have deposited as well as electronic images of checks that have cleared,etc.

I just wanted to say that I have been with Union Bank for many years and that with business banking they don’t put holds on checks. With other banks, even if the money clears in a day they still put a 5-day hold on the checks.

Just as a disclosure, that is not something across the board that may have something to do with your specific relationship with the bank. You can certainly work with your banker to figure out the best situation as far as that is concerned. Thank you for your time.

27211 La Paz Road,
Laguna Niguel, CA 92677
Tel: 949-448-8558
Fax: 949-448-8738
chris.lin@unionbank.com

I have worked in landscape for a long time. I started in ’88 in Seal Beach Nursery in Seal Beach. Then I went back to Mexico and came back and started working in landscape. We do landscape and carscape. Anything related to concrete and plants we can do it. Sometimes, people come to me with crazy ideas. These are the kind of ideas I like to work with. I like to do something different. Not just the grass, but all outside plants. We do pavers, rock work, stone work, you name it. Any idea that you can imagine, we can work with. Do you have any questions about landscaping? Or any comments?

Landscape Designer Orange County - Jesus Arizaga Landcape Design

Do you do pavers as well?

A: Yes, we do all kinds of pavers. From the basic Home Depot to the Belgard; which is the best manufacturer. Many different types, colors, styles, shapes, textures; you know it’s unbelievable how many varieties they have available.

Do you do retaining walls?

Retaining walls? No. Well, I don’t do any higher than four feet. Any higher than four feet, and that involves a different type of insurance. I don’t cover that. But yes we do covings and wall cuts.

But it’s more. When we travel, for example to the High Sierras, you see beautiful trees. Manzanitas are an example. They are evergreens. They will stay green year-round without water. The easiest way to kill a native plant is to water it. You cannot water it for months at a time and it will be okay.

And for the last three years we’ve been doing coy ponds. I met a person who came to the open house and he saw my table and he asked if we worked with concrete and if we could do a coy pond. I said “Yeah sure.” So, we went to his house and figured it out and now we’ve been doing those.

We don’t do maintenance, like cutting grass and stuff.

Can you arrange for maintenance? Are there any companies that you work with that can do maintenance?

No. You know, I do most of the work. With maintenance there is so much competition. There are many people who do maintenance. I don’t like to go and get to your house and try to get out in five minutes. I know peoplebut not the best in my opinion. I am very picky, extremely picky. SO I don’t give out reccommendations. I am very obsessive about it. If I’m not satisfied and I have to re-do it I pay for the costs. I do everything myself so that I don’t have—My guys that work for me have been with me a while now so they know how I am. Sometimes, they get mad because I am always checking everything; levels, plumbs, distances, shapes, colors, the position of the plants.

Trees for example can’t just be shoved in the ground.There are questions of the type of soil, how deep it can go in the ground, etc. If some of the soil goes on the trunk it can kill a lot of the plants. Just an inch! It sounds ridiculous but an inch can kill a plant. I always double-check it because it costs me. If the plant dies and I have to replace it, that costs me. Who wants to lose money? But more than anything else, I am extremely picky. That’s why, for maintenance, they are so “Go! Go! Go!” In that business you can’t make much money by taking your time and making everything perfect. You cut the grass, trim it, and in two or three minutes you go. But, yes, I know people who can do that. If you are not too picky, I can recommend people. Anything else?

I just wanted to say that Jesus just installed a waterfall in our backyard and it is wonderful and we love it. He did an excellent job as he always does.

Thank you.

Do you do boulder rocks?

Yes, we do. We tend to use artificial rocks. The real giant boulders are so heavy that we would need a crane. Then, the cost of moving the boulder ends up costing you more than the rock itself and the labor and everything. The crane itself is like $700 to set it in and for like ten minutes work, it’s like $700. IF people have the money and want real boulders then yes, we can do it. But mostly I do artificial rocks. I make it in place, I stain it in place and you don’t see too much difference. Only if you know it’s not real. But if you are walking by, you can’t tell the difference for sure.

Something else?

Around pools there’s coving. Can you do that?

Yes, Yes. We can. We can take out the old coping and put in new coping. We can do it with concrete, with paving, with stone. We can put a lot of different stuff in the coving around pools.

Okay, thank you very much.

562-858-7416
jyjarizaga@verizon.net

I am going to show you some of the tools needed to repair a basic tongue and groove wood floor. This is officially damaged by a 12 year old boy. I brought professional tools. You need a circular saw, hammer, chisel, and a pry bar. I’m going to pass out—this is the piece we will use for the replacement. I have cut off part of the groove and the end tongue. I’ll give you another piece to show you what one that is intact would look like. To get the tongue and groove back in, we have to alter it a little bit. If you could pass that around I’d appreciate it.

Wood Floor Installation in Huntington Beach, Orange County - Ken Radzai of BC Flooring

Okay. I have some pieces up here. I’m going to do a little bit of flooring magic up here real quick and change out some pieces to show you what it would look like once you make your cuts into the damaged wood. This was easier than actually making the noise with the saws today. I pre-cut the wood. Alright. What we’ve now done is we’ve taken our circular saw (and you want to set your blade just deeper than your actual floor)—whether it’s a glued down floor or a nailed down floor—If it’s a nailed down floor on wood, you can cut down into the existing floor a little bit it’s not going to hurt anything. If it’s a glued down floor you can cut into the glue a little bit. You just set your saw just deeper than the thickness of your floor.

Now when we do that we’re going to make what we call a plunge cut. Just like this, as we are trying not to damage any of the pieces on the other sides. Then we’re going to take our chisel and—(you can’t cut all the way to the other piece or you’re going to ruin the next one)—we’re going to hammer through the ends very carefully. Then, we take our pry bar and carefully remove the piece. Sometimes, this is easier said than done. We don’t have to worry about ruining these pieces since it’s already the damaged piece. (Jay is my new apprentice.) I know this may seem silly but it’ll save you a lot. My minimum charge for this is $500. This is something that you can definitely do by yourself.

So, once you have that piece cut out, (and if it’s a glued down floor it’s going to be a mess down there and you’ll have to be sure to get all the glue off) now we’re ready to go. You can do this whether it’s one damaged piece or two or three pieces. You can take out the full boards. Any questions so far? You sure?

How can you tell if it’s a glued down floor or a nailed down floor?

If you weren’t there when it went in, one of the easiest ways is this. If you tap on the floor and it’s really solid sounding, it’s probably a glued down floor. If you are on a raised foundation, there’s a chance you could have a nailed down floor. Any solid flooring will be a nailed down floor. This wood is engineered and is typically glued down.

Now did you guys get the whole concept of tongue and groove? We have a tongue on one side and a groove on the other. What we’re going to end up doing is sliding it in like that. You’re going to put the tongue in the groove so you still have part of the flooring intact. And then you tap it down and basically that’s it.

Now, how strong is that?

Any repaired floor is not as good as the original. But, one piece of wood versus repairing the entire $10,000 floor; this is the way to go.

If it’s a glued down floor where does the glue go?

If it’s a glued down floor you’d put glue down over the entire thing.

What about a floating floor?

Well, floating floors are not as easy to repair. It’s one of the things we don’t like to sell as much as the traditional ways of putting it in. You can still do it. You would glue the one tongue and groove and the one groove and you would put it in like that.

So, once you’re here you have a new floor again. If it’s a glue down you just put some weight on it for about 24 hours. That floor’s not going to go anywhere. It’s going to be fine for the rest of it’s life. If it was a nailed down floor, you would have to tap it and then use some wood putty. But, again, it’s either leave the damaged piece in there or get a new piece. Time’s up? Okay, Jay, thank you very much.

Licensed, Insured and Bonded
714-901-4711
Fax: 714-901-4716
5655 Commerce Lane
Huntington Beach, California 92649
bcflooring@verizon.net

Good Morning.  I do dry cleaning. If you see, in this business, unfortunately it is not a respectable business. All of the people in this business are uneducated, unskilled and inexperienced people. They don’t even speak or understand English. I can say that I am different than the other dry cleaners. First of all, I can read and understand English well. In my time, when I began to work in this business, I had to get the license. It was mandatory. You have to do 8 months of classes. After the classes you take a written test and a practical test. They give you samples (small pieces of materials) with all sorts of stains. There were coffee stains, ink stains blood stains and they had to be removed in a certain timeframe. It wasn’t easy becoming a dry cleaner.

This was in 1986. After a couple of years the state cancelled this program because it was too expensive. Now there are many dry cleaners out there that don’t even know the names of the chemicals. For example, if you take one washable item and read the label, most of the time it says, “ Do not bleach” When you think of bleach you think of Clorox; a common bleach. But there are at least five or six different bleaches. I use bleaches most of the time. For example, a very mild bleach we can use on almost any materials. And Sodium Bisulfate you can even use on silks because it is so gentle. You can’t buy these on the market. For most of us, a rust stain looks like a difficult stain. For me, it’s not so difficult. If you simply apply a mild acid, like Hydrochloric acid, it is safe for most of the materials and resolves a rust stain easily. There is some type of living substance called an enzyme. You can apply enzymes to bloodstains and human discharge stains to have them eat away at the stains and are quite safe. I don’t even know how many Dry Cleaners know about these cleaners and agents. You have to be a type of chemist; know about a bit of chemistry.

In the 30’s and 40’s, you had to learn about these in school. Spotting was a different and separate profession. You get licensed and educated people with suitcases full of chemicals going cleaner to cleaner just to do spotting. In this business, it is a very important aspect to be well educated in chemistry. Many don’t even know what chemical to apply to what type of material. I have to tell you something else. If you spill something on something dry-clean only. Don’t try to get it out at home. You think “I can use a bit of water, what can it do?” Sometimes the water leaves another stain around the stain, which makes it harder to remove. It is better to leave it alone. If it stays on the material for 10 days it won’t set in. As I said, I really know this business, even though my English is not that good, my knowledge is. I am the last generation of licensed dry cleaners and I am proud of it. You can trust me. Plus this is a family business. If you go to cleaners usually you see underpaid people at the front counter. If you come in our store 90% of the time I am here so you can talk to me. Please avoid going to the company who has multiple stores. Nobody can be there all the time. They probably put someone there who knows nothing about the chemistry.

Question: If I’m cooking and I get grease on clothing what do I put on it?

A: Well, grease or any type of oil is not water-soluble. So it is better to get it dry-cleaned because the chemicals will break it down. But if you don’t want to take to cleaners, but sometimes dishwasher liquid might help to take the oil out.

Question 2: Do you do alterations and buttons as well?

A: Yes, we sew buttons no charge. We do all kinds of alterations as well. Thank you very much.

9039 Atlanta at Magnolia
Huntington Beach, CA 92646
(714) 962-2230
bcerah@aol.com
DryCleanerHuntingtonBeach.com

Many homes develop leaks around chimneys and the best thing about this is that it’s relatively inexpensive to correct. Another problem that a lot of homes have are the ridge caps right at the top of the roofline. Those are areas where roofs start leaking. Again, you can replace those ridge caps relatively inexpensively; a lot less than buying a new roof. Roof leaks won’t go away and they will eventually cost you a fortune. Also, when you walk around your house take a close look at your rain gutters. If they are leaking, ladies and gentlemen, they can do more harm than if you didn’t have any on there at all. Also, while you’re checking your rain gutters it’s a good idea to clean them out. All of the leaves and the debris they collect will clog them up. Again, if they stay clogged and leak they do a lot more damage then good.

Termite Terry: The best Termite Inspections in Orange County

Another item that people take for granted, and don’t pay much attention to, are lawn sprinklers. Many homes are damaged by these sprinklers because many homeowners allow them to keep spraying on the sides of the house. The good news about this is that these problems can be fixed very, very inexpensively. Maybe just a simple adjustment is all you need. Now here’s a sprinkler, if you look right here in the corner you can see where the sprinkler is right up against the wall. Look at the next shot and you can see where we have moisture damage occurring on the inside wall, directly on the other side of that. We also have a mold problem.

And here’s another problem of simple neglect. They should have just adjusted the sprinklers but they let them spray on the post. Now they will have to replace the whole structure. How many thousands of dollars is that going to cost? You could have just gone out there with a screwdriver and just made a simple adjustment and prevented that. Another item, ladies and gentlemen, don’t over-water. Keep an eye on it. Especially in weather like this, you don’t need to have your sprinklers running every single day. If you over-water you can have water seeping into your walls, creating damage and more mold problems. They can also cause foundational structure damage. AND, last but not least. Excessive moisture can attract insects, especially termites. They love it.

Here’s an example of a good over-watered planter. It’s totally filled up with water running down the sidewalk. What a waste of time not to mention it’s hurting the house. Plants and trees-number 2. These can cause a lot of damage and expensive repairs. Plants should be cut back 1-2 feet from your exterior walls. Trees should also be cut back about four feet away from the house. No branches should be hanging over the roof. By maintaining your plants and trees you will be helping to keep your home dry, protect your homes paint, help protect your homes roof, and help to keep snakes and rodents out of your house. Here’s a good example of a home where you can see the tree hanging over the roof. When the wind blows, those branches are going to start knocking the tiles off. Also, it allows rodents and other animals to have easy access to the house; another classic example. Vines are also a big problem. They damage the homes’ outside paint job, create easy access for the rodents, and create moisture problems. Another thing you should do is go around your house and check your door and window screens. You need to check your doors and window screens on a regular basis. They help to keep out all kinds of bugs. Again, these are relatively inexpensive to repair.

949.378.4128
www.termiteterry.com
e-mail@termiteterry.com

Auto Broker Orange County - Mike Maxwell

I’d like to talk a little bit about cars. One of the sources I have for my business now is Sean Sloane who is developing my website which is mikecarguyoc.com I’ve been able to post some of the cars I have in Stock and on consignment on that site. It explains the process in which I work in buying new and used cars. If you have any clients that are looking for a car and aren’t sure how it works, send them to that site and they can learn a lot about the process. I do new and used cars. When you go to buy a new car, it’s a very intimidating procedure when you have to go deal with a salesman. These guys are wound up tighter than a banjo string. When you come in the driveway, you get turned over, they want a credit app before you test drive the car. What I do is get the price before you get in the dealership. I go down there with you, we drive the car and we leave. Then, if you want to do the deal, the car is delivered to my office or your door. We sign the paperwork and it takes about a half an hour and you’re down the road. So you know the price before you go to the dealership. When you go to a dealership, there are so many games that they play that if you want to avoid that, that’s my forte. Some people enjoy it! There are people who actually like the hustle. To them I may actually take some of the fun out of it. For most people that has not been the case.

Trade-ins. I do take trade-ins. Don’t wait to long. If you have a car approaching 100,000 miles –you wait just a little too long it could cost you a lot of money. Number one, the value of the car drops substantially after 100,000 miles and if you have anything mechanically that’s a little on the shaky side, you don’t want to have to fix a car to trade it in. So planning is everything in most businesses, but in the car industry, it really helps.

We use all the factory programs. If there’re any factory incentives, financing, lease programs. We use everything that the dealer has. There is no disadvantage to using me versus the car dealer on new. There are some great programs out there. Honda has been very, very aggressive. They have a new product now. After the tsunami thing finally did it’s course they are finally in production now and there are some good models there. Some of the companies were really making out when some of the Japanese companies couldn’t get cars. Now Honda’s more aggressive, there’s almost no difference in cost between a Honda and a Hyundai so why would you want to buy a wannabe when you could buy the original. So that’s the way I see it. Hyundai’s a great car. No problem there but when you talk Honda that’s a real quality piece of equipment there. We do German stuff; Mercedes, BMWs all of that. If you want to go in the higher end we have Lexus. If you want to sell your old car there are a couple of ways I can do it. I can put it on a consignment basis on the website and sell it for you. The advantage there is that nobody comes to your house and cases it for later. You get them checked out. I handle the whole transaction. You don’t have any time involved. Selling a used car is not easy; especially in this market. You’ll get five tire-kickers for every good customer. That’s something I will deal with and take that off of your hands.

As far as used cars, I work the dealer auctions. I also have a number of other sources I look to when I go to buy inventory. When you come to me and say, “Hey Mike, I want this. I want a Mercedes E350 and it has to have Navigation, leather I want a certain color.” What I do is I put that on the Manheim website, which is the dealer-only auctions. I will find every car in the Western United States that meets those criteria. Before I buy that car, I go out and personally inspect that car, make sure it’s in good shape. Then, I set a number that is our maximum bid number. I do all of this by email so you’ll see pictures, descriptions, I’ll tell you what is the most that we would pay. I inspect the car. Once I buy the car, it goes to Mike Vals. They do a complete inspection on it. That includes seatbelts, lights, all of the little things that have to work. They check air in the tires. That’s a great thing. You leave there and you’ve got air in your tires. That’s not always the case. Then I deliver the car. Doing this, you will basically buy the car wholesale Blue Book in most cases. Sometimes you do a little better than that. It depends on the miles you’re looking at. Some people think that an older car with less miles is not of value, but mileage is everything. You can buy a car that is a few years older and if it has less miles it’ll be a good car for years to come. Be a little open as far as what you’re looking for and you’ll get a better deal. If you’re really precise on a specific year, specific miles, I can still help you and save you money but it may not be as good as something else in a little older model. If you have to finance a used car go to a credit union. Get a credit union involved because right now nobody can touch them as far as their rates and their terms. They’re just superb. I would highly recommend using a credit union for any used car purchase you’re going to finance. With that I’d like to throw it out there to see if there are any questions.

“Any recommendations for a first car for a sixteen year old?”

I have one in stock. Go to my website. I have one now it’s got 45,000 miles it’s a Maxima and it’s in good condition. Reliable. There’re a lot of good cars out there. Just find something reliable that has the least amount of miles. If you’re limited on your budget, that gives you the best bang for your buck.

“Can you..If you were to go to an auction and find a car that’s less than a year old but has some miles on it, can you lease those cars through…”

I haven’t yet. Usually leasing is due to factory programs. If you go to a credit union and get the good rate you’re almost better off because you’re buying the car at a lower number.

“Mike, on your website are you putting up your inventory as you’re getting it?”

I don’t stock a lot. Sometimes it’s consignment. Things that I have in stock you can see pictures and descriptions. I kind of do what the auction did. I emulate it. So it’s really a comprehensive report on each car that I have. You can see it, refer it.

“We love our new car mike…My husband drives it like its his old Corvette. It’s so powerful.. I love driving it.”

Well, he bought a Mercedes and I like Mercedes. Any more questions?

“Yeah, can you explain a little how you get paid.”

Okay. On a new car, my fee typically, with a lot of dealers, is covered by their flooring costs. That’s the same way they pay their salesmen. On used cars, I factor in my fee to the price, which is typically $500. If I have to travel or transport I might change a little bit if there’s distance involved, but that’s pretty much what I work on.

“Do you get any classics?

There are quite a few classics out at auction. If you get varying forms of restoration. They’re out there and I also have sources other than that. I can get you what you want. Thank you.

Funeral Director Orange County - Kathy DiPeri - Harbor Lawn & Mount Olive

I’m Kathy DiPeri from Harbor Lawn-Mount Olive Mortuary and Memorial Park.

We have a cemetery. What’s unique about our cemetery, and this is actually a good tip, We are one of the only cemeteries in Southern California that allows upright monuments. For some people that’s really important especially if you are into geneology.

It means their headstones are big. We allow a half a million dollar monuments. Very large. It’s getting difficult for us to maintain but we allow it. Most places are called Memorial parks and are called such because they are flat. But that has changed because we do allow upright monuments. You allow one you must allow everyone.

The other thing that’s unique about us is that we have a crematory and we have ample parking. A lot of places don’t have crematories and have to send the bodies someplace else. What we can do, is we can do a service and then following the service we can go right into the crematory and do a cremation. I do a lot of that with the Buddhist community, with the Hindu community, so that’s very unique to us and there is only a handful of places around that will do that. So that’s a good tip if you know anybody that’s Buddhist. Send them my way because I have ample parking.

I have a chapel that holds about 250 people. It’s a decent sized chapel. Also there is one other thing. We do a lot of advanced planning. It’s called Pre-need. I always talk about how it’s important to do your trust. About 7 months ago, I had a husband and wife come into the Mortuary. The husband was ill. They were looking around. He made it very clear that he wanted to be buried and not cremated. The wife said “Okay, I have some property I will bury you there when you die.” He dies. Turns out, and I have an uncanny ability to get secrets out of people, turns out they weren’t married. They were together 16-18 years. We, just now, with permission from the State of California, about a week ago, we were able to bury. It was very difficult. So that’s one thing you folks need to do. If you have friends and family that are not married and don’t have a trust in place, it’s very important to have a trust in place. Even though you’ve been together a long time, to the State of California, that does not count. I had to go back to the next of kin, which basically abandoned this man. They said, “We want nothing to do with it.” We had to go to the Public Administrator. The Public Administrator finally, after months of fighting with the family, gave us permission to cremate. Well, we knew this man did not want to be cremated. I had to go back to the Public Administrator to get permission to bury. We gave this man a grave. We could not use the space that the so-called spouse had available. We ended up giving him everything. We gave him a casket, a grave. We took $425 from the county, because that’s what they paid along with the burial. It was so difficult to get this person buried. So that’s why I say—This man wanted to do a trust but he kept postponing it and then he goes and dies. So you need to make sure you have a trust, you have your healthcare directive in place because especially if you have family that you’re fighting with, if you have kids that hate you and want nothing to do with you, you’re in trouble. This gal tried to go to court. They didn’t want anything to do with it because she had no rights. So that’s why I say you have no idea how important this is. Just the other day, I had almost a similar situation. I had kids–I basically had to threaten them. I called the coroner and asked him to do me a little favor. He called the kids and told them they were going to be going to court if they didn’t get their butts down to the mortuary and take care of things. The grandfather was able to pay, but the kids wanted nothing to do with the dad. They hated his guts; he was a raging alcoholic.

Well, you need to have all your ducks in a row even when you die. It’s real important. We do have people if you need to Pre-Plan; they’re available. I don’t do it. I’m a licensed funeral director. It’s my job, when someone dies, to handle it; to make sure your loved one is taken care of. That’s really about it. I’m not discussing prices, because if I discuss prices I have to give you paperwork and I left that in my other car.

Questions:

“I have a comment. I know after having the privilege of being in one of the funerals there, that everyone is very respectful. They treat everybody very, very well. There has never been a crime. Everything is very, very beautiful…”

Thank you, thank you. Yes, everything is very local.. We cater to the Jewish community there are actually a lot of temples around Orange County that own properties in our cemeteries.

“What is the maintenance issue on the upright monuments?

Well, when you have upright monuments, they get close. They almost touch. And how do you mow around a monument? But, you know, because of the weed-wackers and some of the other equipment that’s available it’s becoming easier. Once we’re full and we get all of these monuments it becomes difficult to maintain. Sometimes, when we have burials, we actually have to move monuments out of the way so they can bury them. We have to move the monuments back. But, my cemetery crew has been around for 25-35 years and they love the facility. I think that’s the big difference. We all for some reason have a connection to our mortuary and our cemetery. And we take a lot of pride in it. Is there anything else? I’m available 24 hours a day if anyone needs to talk to me.

Nissan Maxima

For sale: 2000 Nissan Maxima, V6, $7495.00, Huntington Beach. This one has super low miles, only 45,000. It was literally driven by a grandmother to church on Sundays. Automatic transmission, V-6 engine, FWD, Silver color, 4-door sedan, moon roof. This is a great, reliable vehicle a perfect “first car” or good value for a college student.”

For all the informations go to My Car Guy OC

Val & Mike Schepens - Mike's Auto Repair, serving Fountain Valley, Costa Mesa, Newport Beach & Irvine

Top ten important gas saving tips that will increase your mileage and value of your gasoline dollars:

1. Make sure tires have the correct amount of air.

2. Have your fuel filter inspected and change.

3. Lighten your vehicle’s load. Remove those articles in your trunk that are creating excess weight.

4. Keep the windows up. (Less drag an dwind resistance)

5. Slow down. Don’t Speed.

6. Plan local shopping trips ahead of time and select a route that avoids doubling back or traveling unnecessary miles.

7. Only buy or fill up your car or truck in the early morning when the ground temperature is still cold.

8. When you’re filling up do not squeeze the trigger of the nozzle to a fast mode. If you look you will see that the trigger has three (3) stages: low, middle, and high. You should be pumping on low mode, thereby minimizing the vapors that are created while you are pumping.

9. One of the most important tips is to fill up when your gas tank is HALF FULL. The reason for this is the more gas you have in your tank the less air occupying its empty space. Gasoline evaporates faster than you can imagine. Gasoline storage tanks have an internal floating roof. This roof serves as zero clearance between the gas and the atmosphere, so it minimizes the evaporation.

10. Another reminder, if there is a gasoline truck pumping into the storage tanks when you stop to buy gas, DO NOT fill up; most likely the gasoline is being stirred up as the gas is being delivered, and you might pick up some of the dirt that normally settles on the bottom.

714-375-3145
Fax: 714-375-3160
17662 Metzler Lane #A
Huntington Beach, CA 92647
val@mikesautohb.com
www.mikesautohb.com

Plumber Orange County - Chris Swenson of Clean Plumbing in Huntington Beach

Chris Swenson has 20 years of experience in all manner of plumbing. He strives to provide a very high level of customer service and if he is going to be late he will call to inform the client.

Chris has been branching out in to mold removal because it is so closely linked to plumbing leaks in houses. He can test the air in your house for mold or test a new house or apartment before you buy or rent. Mold is closely linked to many health issues and internal air quality is an increasing concern for home owners. If you need mold remediation don’t hesitate to call Chris because he is trained to find and fix the source of your mold problem.

Chris prides himself in buying and maintaining the very best drain cleaning equipment on the market. He has over $7,000.00 invested in it. Other plumbers make it easy on themselves by clipping off the cutters from the end of their drain cleaner’s cable which allows them to just punch a hole in the clog restoring partial flow and insuring that they will be called out again and again.

If Chris does need to open a wall in order to get at a leak or pipe he is careful to cut to the studs so that the drywall can be cleanly and simply replaced.

Chris said told us that his service area for plumbing is from Apple Valley in the East to San Diego in the South and all of Orange and Los Angeles Counties.

Clean Plumbing
Chris Swenson
226 20th St.
Huntington Beach 92648
714-374-4353
Fax 714-374-4353
CleanPlumbingOC.com
cleanplumbing@yahoo.com

Anthony decided that he needed expert coaching in order to improve his time in the 40 yard dash. After as series of disappointments in which Anthony realized that none of the so-called experts knew enough to really help him a friend introduced him to Crossfit. The rest is, as they say, history.

The Crossfit system that Anthony teaches and uses personally is one that stresses functional movement as opposed to “body building”. You will pick things up and put them down, raise them over your head in a carefully crafted set of exercises designed to work with one another to promote elite levels of fitness that will propel you through life’s challenges and serve your goal of excellence.

All workouts are scaled to your current level of fitness, designed to continually challenge you to improve and use a full range of movement. Weight loss and looking great are two more obvious benefits of the Crossfit program.

Anthony also recommends what is known as the Paleo Diet: no processed foods, only whole grains, fresh vegetables and limited fruit to keep you both energized and lean.

Your introduction to Crossfit may be a set of 40 squats, 30 situps, 20 push ups and 10 pullups. You will be timed for this and a record kept so that your improvement can be gauged. Don’t worry if this sounds daunting or even impossible to begin with. For example the pullups can be assisted with elastic straps.

Elite levels of fitness will improve your life across the board. You will make new friends who will focus and motivate you to excel. Come, visit the gym, meet the people and take up the Crossfit challenge.

Cross Fit Surf City – “forging elite fitness”
www.crossfitsurfcityusa.com
714-653-2212
anthony@crossfitsurfcityusa.com
18241 Gothard Suite 200
Huntington Beach, CA 92648

Do your best to introduce yourselves, make her feel welcome and to find out how you can tip her.

Welcome aboard!

Water Damage Expert Orange County - Pat Roque - Pat's Custom Carpet Care

Pat Roque, our certified Water Damage Expert based in Huntington Beach but serving all of Orange County, California, wants to remind us that there is a difference: a lot of people are out there saying that they can help you but very, very few have the level of training or experience that he does. Make sure that you have a Certified Water Damage Expert the next time you experience flooding due to rain or plumbing problems.

Pat has been in this business for 28 years now, 26-1/2 with his own company. In addition to being a Certified Water Damage Expert he has a brand new cleaning system for hardwood floors. This does NOT involve sanding but instead uses a process involving special cleaning and treating solutions along with scrubbing brushes and high-powered vacuums.

Pat also offers Stone Cleaning, even on difficult Travertine, he is able to show huge differences in how your stone floor looks; tile cleaning and grout cleaning; upholstery cleaning; and of course he is a carpet cleaning expert with certification in all cleaning chemicals and treatment processes.

Pat wanted everyone to know that “I really like what I do and I enjoy seeing a satisfied customer when I complete their job!”

If you need a certified Water Damage Expert who also cleans carpets and a whole lot more give Pat a call.

(714) 938-2371
(714) 308-4630
19112 Oceanport Lane #45
Huntington Beach, CA 92648
www.patscarpetcleaning.com
patrick_R39@yahoo.com

Residential Real Estate Agent Orange County - Jean Tietgen

Jean Tietgen, our realtor based in Huntington Beach but serving all of Orange County, California, reminded us that she has been working full-time, exclusively as a realtor since 1984. A lot of people are trying to do real estate part-time, on the side and it is just not possible to do the job properly. There are just too many things that need to be handled in-person, one on one during 9 to 5, Monday through Friday, business hours. Do yourself a favor, no matter who you choose, and work with someone who is dedicated and focussed on selling your home or finding you a home to purchase.

Jean gave us a “state of the market” speech with a ton of statistics and detail, all of which points to the housing market being full single family home inventory sufficient for the next 41 months. What this means is that current market conditions should hold for the next 3 – 4 years as the market tries to right itself.

That having been said, she related that “the market is tight, there is not a lot of inventory. Homes are receiving multiple offers. There is no “flood” of foreclosures coming in to the market and demand has risen locally by 5%.”

Jean’s experience has shown her the importance of “staying in touch with my clients. Fully 90% of my work comes from referrals from people who I have succeeded in helping in the past.”

Jean is very active in the real estate industry at a very high level having served on the boards of Orange County Association of Realtors®, California Association of Realtors®, Women’s Council of Realtors® at the state and national levels.

Jean has also been able to help people when they are contracted with another realtor but unhappy with that person’s service or professionalism.

If you need a very knowledgeable and highly qualified realtor in Huntington Beach or anywhere else in Orange County, California give Jean a call.

Jean Tietgen, REALTOR, PMN, SFR, SRES
Direct: 714.514.0011
Office: 714.540.5379
Evergreen Realty & Associates, Inc.
18682 Beach Blvd. Suite# 165
Huntington Beach, CA 92648
2011 President, Orange County Association of REALTORS
Director, California Association of REALTORS
CA DRE License #00476784
Jean@JeanTietgen.com
JeanTietgen.com

Computer Repair Orange County - Marc Winger of Zephyr Networks

Marc Winger, our computer networking and computer repair expert based in Newport Beach but serving all of Orange County, California, told us about the importance of backing up our “mission critical” data.

He says that “nothing is worse than data loss” and that it will run anywhere from $200 – $300 just to have a hard drive looked at and between $1,000 – $2,000 to have it recovered. He recommends an active, ongoing data back up plan and even suggests using the online backup services such as Mozy, Carbonite or Crash Plan. His company, ZephyrNetworks.com, offers network-wide remote monitoring as well.

Marc related his concept of “redundant redundancy” or two copies of every important file and said that every company needs to, seriously, have a Disaster Recovery Plan in place. He recommended searching for the term online to find a template that we can make our own.

Recently after a major fire at one of his clients in Tustin he set up the clients network in the owner’s garage and had him back up and running using a disk image-based back up he had made of their server. A disk image, he explained, is a snap shot of the entire server at a given point in time.

Marc recently had an “aha” moment when a client’s RAID array failed on their server and he moved a server that he had in stock in to place and was able to restore from a disk image-based back up. Everyone needs to know about automated disk image-based backups of the type offered by Seagate back up drives.

Marc also recommends Storagecraft’s Shadow Protect.

If your company needs to get a back up system in place to protect YOUR mission critical business files give Marc Winger a call.

1000 North Bristol Street #17-129
Newport Beach, CA 92660
Phone: 800.884.7559
Fax: 949-544-2901
www.zephyrnetworks.com

Dr. Mark Yamamoto - Dentist Huntington Beach, Orange County California

Dr. Mark Yamamoto, our dentist and expert in TMJ who is based in Huntington Beach but serves all of Orange County, California, related how much damage the effects of thumbsucking can cause, even life-long dental problems. We saw slides of the face of one young woman in her 20′s who exhibited a noticeable swelling on one side of her face. A combination of factors had brought her to Dr. Mark seeking to have her bite adjusted properly.

A clicking jaw, too small fillings and a snowboarding accident combined to make her situation unbearable. Besides the swelling of her jaw x-ray examination showed that she had the beginnings of arthritis in her jaw.

After a full-mouth model to study her condition, Dr. Mark determined that he needed to add material to specific places in both her top and bottom teeth in order to correct her bite and give her comfort. This was a conservative treatment where he used the full-mouth model to demonstrate both the problem and solution and get the patients fully informed consent on this course of treatment.

After his treatment program, which did NOT require any wiring of the jaw, her swelling began to go down; her bite changed for the better; small adjustments were made to the composite that allowed her teeth to fully come together.

The full-mouth modeling is the key: no treatment should be done without it. You can’t fake the results: the patient ended up with a comfortable bite.

Dr. Mark reminded us of the role that thumb sucking played in this woman’s condition: when the thumb goes to the roof to the mouth it pushes the soft palate up on the septum which can lead to difficulty breathing and lifelong dental issues.

Parents: here are is help information from a reputable site WebMD.com: Thumb Sucking Overview

714-847-9900
drmzy7@gmail.com
www.markyamamotodental-tmj.com

Considering the size of a company can help you to choose the right payroll company: because Paychex is publicly traded they must disclose their financials so there is no worry that they will disappear overnight with your payroll. There is a level of transparency that other payroll services cannot offer.

In addition Paychex has an A1CPA license as a preferred payroll provider; they are in compliance with the Sarbanes-Oxley regulations; can offer emergency service from other locales if there is a natural disaster here so business continuity is not a problem.

According to a recent independent study Paychex is also more efficient and has better technology than ADP. They are thus better suited to helping small businesses with their payroll.

Remember that outsourcing your payroll means that you are outsourcing your liability. Don’t get caught with improperly classified Independent Contractors as the EDD is doing walk in audits in conjunction with the Department of Labor.

For the elimination of Payroll headaches call Marissa Zhender of Paychex.

949-375-4328
Fax: 877-254-1373
200 East Sandpointe, Suite 100
Santa Ana, CA 92707
mzehnder@paychex.com
www.paychex.com

As many have attested to, he has a very well-equipped state of the art facility and has recently moved in to a completely new office. Why not pay him a visit? Your eyes will appreciate it.

Dr. Tran had a word of warning: “Not all sunglasses are created alike”. Any pair of sunglasses you buy should have UV coating in order to protect you against macular degeneration.

He made the point that in order for prevention to work early detection was the key: get those eyes checked yearly, folks.

Keep your eyes for a lifetime with sound advice and great treatment. Call Dr. Khan Tran today!

714-927-5192
Fax: 206-350-8238
3010 W Orange Ave, Ste 110
Anaheim, California 92804
AECO2009@yahoo.com
HighStandardsEyeCare.com

Dr. Michael Valentine Chiropractor Orange County, California

Dr. Michael Valentine, our chiropractor based in Fountain Valley but serving all of Orange County, California, reminded us that ALL medications have a side effects and counter reactions. What you are being provided with is symptomatic relief and nothing is done about the root causes.

By contrast Dr. Valentine does extensive testing in order to get a clear picture of both the causes and the potential remedies for your chronic conditions. He reminded us that depending upon your current condition it IS possible to get a false negative that additional sequential tests would identify. Testing reveals that up to 10% and perhaps higher have food allergies that contribute to their ill health.

In terms of resolving chronic conditions Dr. Mike discussed the usefulness of nutraceuticals, not to be confused with standard vitamins.

If you have a chronic health condition you may need to have a C Reactive Protein test which can be an indicator of inflammation. With inflammation and other allergy illnesses everything attacks the brain and thus a brain-based therapy is needed to combat this.

If you have a chronic condition that has not responded to traditional therapies give Dr. Michael Valentine a call.

Check our site at www.valentinechiropractic.com for more information.

Dr. Michael Valentine
Chiropractor Fountain Valley – Valentine Chiropractic
714-964-9566
Fax: 714-963-1726
17955 Magnolia
Huntington Beach CA

Enrolled Agent Scott Macklin of Whitehead CPAs in Huntington Beach, CA

Scott Macklin, an Enrolled Agent who works for Whiteheadcpa.com, is your representative to the IRS. Enrolled Agents, Attorneys and CPAs are the only people capable of representing you to the IRS whether for audit or other tax disputes. This is from the IRS site:

Enrolled agents, like attorneys and certified public accountants (CPAs), have unlimited practice rights. This means they are unrestricted as to which taxpayers they can represent, what types of tax matters they can handle, and which IRS offices they can represent clients before.

Scott warned us that the IRS was going after SCorps and that they were specifically focused on officer loans. He said that all draws are considered wages so be careful with them. Another possible trouble spot was promissory notes on draws.

Scott also advised us that in the case of differing opinions about a return you should “pay first, dispute later” in order to avoid future trouble not to mention penalties and interest.

Scott closed out with a warning: “The IRS is like a stone rolling down hill – don’t get in it’s way!”

If you need an enrolled agent or a Certified Public Accountant feel free to contact Whiteheadcpa.com.

714-841-0995
Fax: 714-841-2305
18592 Main Street
Huntington Beach, California 92648
scott@whiteheadcpa.com
www.whiteheadcpa.com