Colleen O’Harra, Esq., successor trustee of the Loretta Ames es-tate and past HNC Board mem-ber, presents check to HNC Board President Bobbie Hoder and Ex-ecutive Director Nerice Kaufman.

Your commu-nity hos-pice and so much

morePeople have the misconception

that hospice is only about death. Yes, the hospice concept focuses on helping the terminally ill die in comfort and dignity. But that is only part of the story.

Hospice of the North Coast (HNC) is all about life. About ensuring the highest quality of life for clients as the quantity of

AN AWARD-WINNING, MONTHLY PUBLICATION OF THE CARLSBAD CHAMBER OF COMMERCEVOL. 29, NO. 11

JOUR NAL

CARLSBAD VILLAGE FAIREA special section for the fall edition of the Carlsbad Village Faire. Includes map

9-12

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Spirits soar at the Hospice of the North Coast's annual Butterfly Release ceremony.

SEE ELECTION, Page 13

SEE HOSPICE Page 13

The Carlsbad Chamber of Commerce’s voter guide:

The Carlsbad Chamber of Com-merce does not endorse individual candidates, but supports or opposes legislation that would benefit or be detrimental to business. Here is our voter guide for the state and local propositions.

STATE PROPOSITIONS

OPPOSEPROP. 30: Increases taxes on earn-

ings over $250,000 for 7 years and sales taxes by 1/4 of a cent for four years to

fund schools. Guarantees public safety realignment impact.

PROP. 38: Increases taxes on earn-ings on a sliding scale for 12 years with the revenues going toward K-12 schools

and early childhood programs.

PROP. 39: Requires multi-state businesses to pay income taxes based on percentage of their sales in California. For

five years, the revenues go toward clean and energy-efficient projects.

SUPPORTPROP. 32: Prohibits unions from

using payroll-deducted funds for political purposes.

NO POSITIONPROP 31: Establishes a 2-year state budget, sets rules for offsetting new expenditures and Governor budget cuts in fiscal emergencies.

HAPPY VETERANS DAY

Yes, just ask Ron Packard“Go vote. Its makes you feel big and

strong.”That was the way CBS New’s Bob

Schieffer, moderator of the third presi-dential debate between President Barack Obama and former Massachu-setts Gov. Mitt Romney concluded the third and final meeting between the candidates, citing it as a quote from his mother.

But the truth of the matter is that many people don’t vote.

Even in the last presidential election, though a record-setting number of votes were cast — 131.3 million — the percentage of total registered voters who participated remained flat, about 60 percent, below the 67 percent turn-out record (after the voting age was lowered to 18) in 1968.

That means that almost 40 percent of eligible voters decided to sit the process out.

“We don’t do very well on our voting record,” says former U.S. Rep. Ron Pack-ard, who spent 18 years representing our district in Washington, D.C. before he gave up his seat in 2001. “Some countries, like Mexico, have 90 to 95 percent records. It’s much lower here in the United States. Of all places, we

ought to be willing and able to vote.”Apathy, Packard suspects, is the main

reason why people decide to stay home on election day. Perhaps, he adds, they think their votes don’t matter. Or, they may be frustrated with the way the gov-ernment is running, or the acrimony between the Republican and Demo-cratic parties.

“Voting is the only way to change that,” Packard adds. “People need to become familiar with the issue, and vote for the people they think will be able to change that. The system will work.”

People should think about all of the sacrifices that members of our military, politicians and others have made to maintain our freedoms — including the right to vote — and cast their ballots out of a feeling of loyalty for the country, Packard said.

DOES VOTING MATTER?

SEE VOTING, Page 13

“

“People can make a

difference by voting if they’re convinced that they need to change something...

— Ron Packard Former U.S. Congressman

Longtime HNC contributors Knox and June Williams purchased a Memory Tile in honor of their de-ceased son, Drue.

11-11-12

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NOVEMBER 2012 3

Councilwoman steps down after 32 yearsBY JOSÉ A. LÓPEZEditor | Carlsbad Business Journal

After spending 32 years serving the City of Carlsbad, Mayor Pro Tem Ann Kulchin is leaving her spot on the dais

of the Carlsbad City Council.First elected in 1980, Kulchin

said a combination of factors led to her decision to say goodbye to the council.“My husband (Dave Kulchin) is

tired of being by himself every Tues-day and watching me on TV,” said Kulchin, who turned 80 in July. She added that her desire to be closer to her family, as well as her belief that the city is in good hands with the current council.

“I have served the citizens of Carls-bad since April of 1980, and I have enjoyed the different

assignments and committees I have been a part of,” she said. “I think the time has come.”

Kulchin worked as an elementary school teacher and substitute at Pat-rick Air Force Base in Florida and as a field representative for a county supervisor in the Northern California city of Saratoga.

In 1978, her husband landed a job in the area and the family moved to Carlsbad.“I thought I was going to New

Mexico,” Kulchin says with a laugh.Kulchin wrote a society column

for the Carlsbad Journal, the Blade Citizen and other publications.

That, along with her husband’s involvement in the community, led her to meet many of the city’s resi-dents in a short time. In 1980, some people from the Chamber — includ-ing then-Chamber President Glenn McComas — recruited her to run

for the council.She agreed, not know-

ing then that this would be the start

of a 32-year term of service.

K u l c h i n r a i s e d $3,000 for her first campaign, w h i c h lead to some crit-icism. She had no paid staff,

but grew her base by

diligently walk-ing precincts up

to six hours a day and holding 47 recep-

tions in private homes, relying on her supporters to

spread the word about her to their neighbors.“Sometimes I spoke before six

people, and sometimes there were 23,” Kulchin said. “It worked really well for me because I like to meet people one-on-one.”

She still remembers waiting for election results during her first elec-tion, when the results were updated on a blackboard.

“This is an exciting place to be part of local government,” Kulchin said.

“I always liked the people I served with.”

Asked to list some of her more memorable moments on the council, Kulchin talked about the opening of Dove Library, adding that she took

part in the land selection committees and the committees that found the architect and the artists featured on the library site.“It’s hard to select individual

(memorable moments),” Kulchin said. “Sometimes, things aren’t as big as libraries, but the small things you do over the years.”

She said though Carlsbad has grown significantly over the last 32 years, and attracted such businesses as LEGOLAND California, Life Tech-nologies and ViaSat, it still retains a small-town feel, specially since 40 percent of it remains as open space thanks to a growth management plan the city adopted in 1986.“When I started on the council,

we had about 31,000 and now we have about 104,000 people,” Kulchin said. “People would stop me on the street or come up to me at a restaurant and ask questions

— that’s still the same, except now there’s more people.”

Though she might be leaving the council, Kulchin said she’s not going anywhere.

Some people have already started making suggestion as to what her next steps may be, though Kulchin said she’s not making any decision until next year.“I started out as a community

activist,” Kulchin said. “So maybe I will now be on the other side of the dais.”

November 11 is a very special day. It’s the day we come together as a nation to celebrate all of our military veterans. I’d like to start by offering a KUDOS and thanks for all you do for our country.

On a related note, KUDOS to MiraCosta College, which was recently honored by Victory Media as one of the Military Friendly Schools for 2013, a list that honors the top 15 percent of colleges, universities and trade schools that are doing the most to ensure America’s mili-tary service members, veterans, and spouses are successful at college.

In the past 10 years, MiraCosta College has experienced a 150 percent increase in veteran enroll-ment and anticipates serving even more student veterans over the next few years. Currently, approximately 1,740 active-duty military and veter-ans and an additional 1,030 military dependents attend the college each semester.

“We are proud of our student veterans, and we continually seek to enhance the services we provide for those who have served our coun-try,” said MiraCosta College Superin-tendent and President Dr. Francisco Rodriguez. “These students have unique characteristics and needs that MiraCosta College is able to better meet thanks to our college veterans programs.”

The Military Friendly Schools media and website, at www.mili-taryfriendlyschools.com, feature the list, interactive tools and search func-tionality to help military students find the best schools to suit their unique needs and preferences. The 1,739 colleges, universities and trade schools on this year’s list exhibit lead-ing practices in the recruitment and retention of students with military experience.

“At MiraCosta College, we believe that in addition to offering classes, it is our responsibility to recognize the particular needs of our veterans, including those who suffer from post traumatic stress disorder and trau-matic brain injury,” said Gilbert Her-mosillo, MiraCosta College’s dean of admissions and student support.

KUDOS also to the Boots in Business, the Carlsbad Chamber

of Commerce’s military mentoring initiative, which is now celebrating its first year. In that year, the pro-gram, a job shadowing program that allows Camp Pendleton-based Marines who are transitioning out of the military test drive careers, had done a lot.

According to Program Manager Madonna May, 93 service members joined the program since she made her first presentation at Camp Pend-leton on Oct. 31, 2011, and they’ve job shadowed at 78 active compa-nies in the program.

Those service members who go through the program have given the Chamber great feedback.

“The culture shock of leaving the military is too great for some people so they go right back in,” said one participant. “This program shows you what it’s like to be a civilian again without the overwhelming feelings you’d get if you just got out with no prior experience.”

I know first-hand the importance of this program. Earlier this year, a Marine went through the program at The Lund Team. We were so impressed with Alexandra Scanlon, that after she completed the pro-gram and left the service, we hired her full time. Though that’s not the intent of the program, it does show what happens all the stars align. She’s a great addition to our team.

KUDOS for all of our veterans and their supporters as well

INDEX

MEMBER DIGEST ........................ 14-15

GREEN SPOTLIGHT ...................... 8

TECH TALK .................................. 7

CITY UPDATE ............................... 4

VILLAGE BEAT ............................. 5

EDUCATION NEWS ...................... 16,17

EXPAND YOUR KNOWLEDGE ........ 6

REAL ESTATE UPDATE .................. 18

TE

D O

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WORDS OF

WISDOM

President & CEO CARLSBAD CHAMBER OF COMMERCE

CAR

LTO

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CHAIRMAN’SKUDOS

Chairman of the Board CARLSBAD CHAMBER OF COMMERCE

BUSINESS BUZZ .......................... 19

LEGISLATIVE CORNER .................. 7

CARLSBAD VILLAGE FAIRE MAP....9-12MEMBER MARKETPLACE .............19

Thoughts from ‘Essence of Leadership’

For this column, I was rereading the chapter Aim For the Heart from Mac Ander-son’s book, “The Essence of Leadership.” It touches me every time I read it.

Vince Lombardi, in his last speech before he died, was addressing a large corporate audience. He stated, “I’m going to share with you the key to success in any business.”

The audience sat with silence awaiting the tip. He said, ‘The secret, in a word, is…heartpower. Capture the heart, you’ve captured the person…Get people to fall in love with your company.”

It sounds simple, but how does a leader do it? Simply put, it begins and ends with caring about your people, not as employees, but as human beings.

He says one of the keys to building heartpower is establishing trust as the cor-nerstone of your relationships. Trust grows from past actions and is aligned with honesty (telling the truth) and integ-rity (doing what you say you’ll do). Trust, of course doesn’t come quickly. It is earned over a long period of time.

Mac says that gaining someone’s trusts is like filling a bucket one drop at a time. It takes a long time to fill it, but with one swift kick you can lose it all.

The second key to heart-power is respecting others’ view points, particularly through the art of listening. This is the most underesti-mated quality of a great leader. Remember, “If God wanted us to talk more than listen he would have given us two mouths and only one ear.”

The third key is unexpected acts of kindness. This honors human dignity and radiates compassion and respect.

Here are some examples:• A heartfelt, verbal “thank

you” or congratulations in the presence of fellow employees.

• A hand-written note with a sincere comment or two.

• At company gatherings, I ask the group to give “thanks” for the help others have given them. “Thanks” in the pres-ence of others is powerful.

Mac ends this chapter with three powerful words, “May I help?”

I suggest you use them often.

Beckman Coulter, Inc.Your Ops Manager

Cal State San MarcosKatz & Associates

Scripps HealthWells Fargo

NRG WestSolatube Global Marketing, Inc.

Modern PostcardColliers International

Law Offices of Stephen M. L’HeureuxLexus Carlsbad

La Costa Resort & SpaTaylorMade Golf Company

SD TrophyLEGOLAND California

WestfieldStrategic Results Group

Torrey Pines Bank CarlsbadSterling/Stone Realtors

Grand Pacific Resorts, Inc.SDG&E

North County Times

Dean AndersonDeb BeddoeDavid BennettJoseph CharestMichael UzitasNeil CrapoAhmed HaqueJohn HanleyFred HernandezTucker HohensteinStephen “Hap” L’HeureuxGene ManganielloPaul McCormickTrisa MillsNiels NorbyPeter RonchettiLara SaabDon SandoDon SchemppLee SterlingTim StripeJim ValentinePeter York

The Lund TeamChairman of the Board

AT&TChair Elect

McBride Financial Advisory Immediate Past Chairwoman

AKT, LLPTreasurer

RAM Enterprises InternationalVice Chair of Member Services

Howes, Weiler and AssociatesVice Chair of Public Policy

Poseidon Resources Corp.Vice Chair of Economic Development

Sylvan Learning Center of EncinitasVice Chair of Business & Community Development

Life Technologies Corp.Vice Chair of Special Projects

Storrow Law, APCVice Chair of Strategic Planning

Carlton Lund

John Osborne

Gina McBride

John Lechleiter

Mimi Gaffey

Michael Howes, AICP

Peter MacLaggan

Chris Ross

Carmen Rene

Lou Storrow

Lola’s 7-Up Mexican MarketCity of Carlsbad

CUSDVisit Carlsbad

Camp PendletonNCTD

Ofie EscobedoLisa HildabrandSuzette LovelySam RossSandy WilsonDeborah Castillo

OFFICERS

DIRECTORS

ADVISORY COUNCIL

Information SpecialistBusiness Services ManagerVice President, Corporate &

Member RelationsDirector of Communications

Military Mentoring Initiative Manager

Business Development ManagerDirector of Sales & Marketing

Art DirectorMember Services Manager

Lynn DelanzoBonnie Hoffman

Bev JorgensenJosé A. López

Madonna MayKristina McMahonJulie MiramontesEdgar RodriguezKathy Steffen

STAFF

Journal Printing Advanced Web Offset

ASSOCIATES

CARLSBAD BUSINESS JOURNAL

Published monthly by the Carlsbad Chamber of Commerce. Subscription price is deducted

from dues of Chamber members.

5934 Priestly Drive • Carlsbad, CA 92008Ph. (760) 931-8400 • Fx. (760) 931-9153

chamber@carlsbad.orgwww.carlsbad.org

MISSION STATEMENT

“The Carlsbad Chamber of Commerce promotes business through member services, educational programs, cooperative partnerships and legislative advocacy that balances economic prosperity with the quality of life.”

President & CEOExecutive Vice President & COO

Ted OwenToni Padron

Please provide the names of your table guests below: (Table of 10)

Presented with suPPort from:

information

Table Name ________________________________________

Name ____________________________________________

Company ___________________________________________

Address ___________________________________________

City_______________________State_____ Zip___________

Phone_____________________Fax _____________________

E-mail ____________________________________________

Reception at 5:30 p.m.Dinner and program at 6:30 p.m.Business attire

Please respond by November 14, 2012

1. ______________________

2. ______________________

3. ______________________

4. ______________________

5. ______________________

6. ______________________

7. ______________________

8. ______________________

9. ______________________

10. ______________________

rsvP

Name: ____________________________________________

Individual ticket(s) _____ x $75 per person =_____________

Tables of 10 ticket(s) _____ x $750 per table =____________

Table sponsor _____ x $1,195 per table =________________ Includes: Table for10, Signage and Ad in program

Payment information

Check enclosed payable to the Carlsbad Chamber of Commerce

AMEX Discover MC Visa

#_________________________________Exp.____________

Name________________________Billing Zip_____________

Signature_________________________________________

Kulchin says goodbye to council seat

Mayor Pro Tem Ann Kulchin addresses the audience at the State of the City Luncheon while Mayor Matt Hall looks on.

I have served the citizens of Carlsbad

since April of 1980, and I have enjoyed the different assignments and committees I have been a part of. I think the time has come (to step down).

MiraCosta College was named one of the 2013 Military Friendly Schools by Victory Media. Pictured above is Thomas Sudnick, a veteran who recently graduated from the college.

“

“

PAGE TWO | F E A T U R E

A special tribute to Ann Kulchin for 32 years of service.Sheraton Carlsbad Resort and Spa5480 Grand Pacific Drive

The City of Carlsbad and the Carlsbad Chamber of Commerce fondly present

Thursday, November 29, 2012

Reception at 5:30 p.m.Dinner and Program at 6 p.m.

Business attire

R. S. V. P. by November 14 to tpadron@carlsbad.org or online at www.carlsbad.org

Individual: $75 Table of 10: $750 Table Sponsor: $1,195 (Table of 10, signage and ad)include reception with cash bar, dinner and program.Ticket Prices

A tribute to Mayor Pro Tem for 32 years of dedicated public service to the City of Carlsbad

CBJ wins SD Press Club AwardsThe Carlsbad Business Journal, the Carls-

bad Chamber of Commerce’s monthly publi-cation, won four awards at the 39th Annual Excellence in Journalism 2012 Awards, pre-sented by the San Diego Press Club on Oct. 23 during a ceremony at the San Diego Hall of Champions.

The Carlsbad Business Journal’s Art Director Edgar Rodriguez and Editor José A. López took second place in the Trade Publications: Association/Member publications category.

López also won two awards for writing. His story on the work of Project Walk, published in the April 2012 edition of the Carlsbad Busi-ness Journal took first place in the Non Daily

Newspapers - Health and Medicine category, while his story on the link between Jazzercise and New Village Arts Theatre, published in February of 2012, won second place.

Ted Owen,President and CEO of the Carls-bad Chamber of Commerce, said the press awards are a great honor for the publication.

“While the Chamber is a nonprofit organi-zation, its communications program is first-class,” he said. “Our newspaper is read by every business leader in Carlsbad. It is the voice of business in the city.”

With 450 members, the San Diego Press Club has the third-largest membership in the United States.

Carlsbad Business Journal Art Director Edgar Rodriguez, left, and Editor José A. López.

CARLSBAD BUSINESS JOURNALWWW.CARLSBAD.ORG NOVEMBER 20124 5

Our

commitment to this program is to keep the working group meetings focused, time-limited, not about the past and all about the future.

STEVE GIBSONPresidentUrban Place Consulting Group, Inc.

Moving your business into a new building is a big step, and a sign of your success. The list of things to do before you sign that new lease or purchase agreement is long.

I’d like to suggest that you add one more item to your list, if it’s not already on there. Check in with the City of Carlsbad Fire Department to see if your new space is properly suited to meet the safety needs of your business.

The City of Carlsbad Fire Depart-ment is committed to helping local businesses succeed, and has stream-lined the local development review process to help increase efficiency. But when a business moves, it occa-sionally forgets to check with our Fire Prevention staff, who can help save you money by heading off poten-tially costly remodeling expenses or oversights.

Codes and regulations are deter-mined by the state of California; the City of Carlsbad doesn’t always have the discretion to change them. But the City of Carlsbad Fire Depart-ment is in a good position to advise you on the best way to satisfy code requirements.

Our Fire Prevention staff has encountered several instances in

which business owners have moved into new buildings without realiz-ing that the new space may have been right for the previous tenant, but isn’t correctly configured for them. Any new building use may be enough to trigger different safety

regulations. Or, new codes may have taken effect since the building last changed uses, which may require changes in the physical plant.

For example, a building may be perfectly suited as a retail outlet, but not as a restaurant, which has

different requirements for sprin-klers, ventilation, occupancy, exits and other safety needs. A building that worked well as a warehouse may not work so well as a new gym. And, without some remodeling, a former commercial office most likely won’t meet the safety codes for a new manufacturing building.

I don’t mean to suggest that you shouldn’t take on these challenges. What I’m suggesting is that if you or your broker were to visit the City of Carlsbad Fire Department before you sign your lease or purchase agree-ment and learn what improvements are necessary, you would be in a much more advantageous position when you negotiate terms of your lease or purchase.

We recently received a visit from a manufacturer who was looking at space for an expansion. During the search, we were able to help them understand expenses associ-ated with the buildings they were considering, which enabled them to choose the most cost efficient location.

If you have any questions about developing, expanding or relocat-ing your business, visit the develop-ment services counter at the Faraday Center, 1635 Faraday Ave. And to reach a City of Carlsbad Fire Preven-tion specialist, contact us at 760-931-2141, or firemail@carlsbadca.gov.

Over the last six months, we have learned many things about the Vil-lage, its history and the hopes for its future. We have been fortunate to meet many interesting individuals who care deeply about the Village and have worked hard to preserve and improve it. We have greatly increased the ways we communicate about the Village and the Village Works project including a new web site, frequent blog postings, weekly e-blast, Village Voices monthly meet-ings and this column.

Even with the increased commu-nication, we believe there are Vil-lage stakeholders who have not yet become a part of the Village Works process. We know from experience that a higher level of stakeholder involvement leads to a more suc-cessful project. We also know that

stakeholders are more comfortable and participate to a greater extent when they are a part of a group of their peers who share common issues and experiences.

Village Works working groups are being formed based on common interests. Currently there are three working groups: Village Businesses,

Village Property Owners and Vil-lage Residents. The working groups are focused on two primary tasks. The first is to provide input to the Village Works process from their point of view, focusing on their unique issues. The second task is to become part of the solution, part of the implementation team.

Our commitment to this program is to keep the work-ing group meetings focused, time-lim-ited, not about the past and all about the future. If you are not yet participating in a working group, but would like to, the information on meeting schedules and becoming a

participant are on the web site www.carlsbad-village.com.

Grants keep the village moving“Carlsbad lands $1.25 million

in Active Transportation Grants.” What does this headline mean for the Village? It means a lot! Urban Place Consulting partnered with the City’s Transportation Department to develop the grant submissions to the San Diego Association of Govern-ments. The City was awarded four of the five grants that were requested. Three of the grants, $1.1 million of the $1.25 million, are focused on the Village.

The largest grant, $800,000 is

to construct a roundabout at the Carlsbad Boulevard – State Street intersection. The roundabout will calm speeds entering the Village and make the intersection safer for pedestrians and bicyclists. The Active Village Campaign grant, which totals $267,000, aims to boost awareness of bicycling and walking opportuni-ties in the Village.

The campaign will inform busi-nesses and residents of the advan-tages of bicycling and walking and promote alternative transportation choices. The “Bike the Village” custom bike rack grant, which is $33,000, will provide 80 new custom bicycle racks and six bicycle corrals to improve access for bicy-clists in the area of the Village.

If your business needs a festive space to host a holiday party, the City of Carlsbad is a good place to be, because there’s a large selection of party venues both public and pri-vate. With the clock ticking down to the start of the holiday season, if you haven’t booked space for your year-end celebration, you might want to pick up the phone today.

To help you with your decision, here are some ideas.

A lovely setting for holiday festivi-ties is the clubhouse at The Cross-ings at Carlsbad, which features the acclaimed Canyons restaurant and party accommodations for groups ranging from four to 250. The club-house’s floor-to-ceiling windows and spacious veranda provide fantastic views of the golf course and the Pacific Ocean.

“As an award-winning restaurant with ocean views, our wonderful craftsman-style clubhouse has four separate dining areas, so we can host groups of up to 250,” said Gary Glaser, the general manager of The Crossings. “We are the perfect full-service facility to host a holiday party.”

Or if you’re looking for a venue where you can hear the ocean waves and smell the salt air,

Heritage Hall at the City of Carls-bad’s Magee Park offers a historic setting and seating for as many as 75 guests. When combined with Magee Park’s picnic area, Heritage Hall, which served as the City of Carlsbad’s original city hall and police station, can accommodate groups as large as 500.

You can also rent space at any of the city’s three community centers — Harding, Calavera Hills or Stage-coach — and the senior center. City meeting rooms can handle groups as large as 75 people. Consult the City of Carlsbad website, www.carls-badca.gov, for more information on facility rental.

There are also numerous hotels, restaurants and pubs that can host your company party, no matter how large. The City of Carlsbad is fortu-nate to be home to several world-class resorts, all of which offer a party location that your company won’t soon forget.

The newest resort, the Hilton

Carlsbad Oceanfront Resort & Spa, offers ocean views from Chandler’s Restaurant & Lounge and from the ballroom outdoor patio, which can accommodate up to 450 guests. The city also is home to the Park Hyatt Aviara, La Costa Resort & Spa, Sheraton Carlsbad Resort and Spa, Hilton Garden Inn Carlsbad Beach and many other attractive locations.

“Overall the market is very com-petitive because there are so many hotels and restaurants,” said Park Hyatt Aviara Director of Sales and Marketing Jason McLaughlin. “There are certainly a lot of choices for every taste and budget.

“The Park Hyatt Aviara can host a holiday party for five people, or we can do a holiday party for 1,000 people,” McLaughlin said.

There’s no lack of holiday spirit at the resort. “We build a gingerbread mountain in the lobby and we have holiday trees that are decorated by local companies and sold by silent auction, and the proceeds go to the Semper Fi Foundation,” which assists wounded Marines and their families, he said.

If you’re not planning a corporate party for the holidays, join us for our family friendly “Holiday at the Rancho” celebration at Leo Carrillo Ranch Historic Park, from 5 to 8 p.m. on Saturday, Dec. 1. Consult our website at www.carlsbadca.gov/parksandrec for more information.

Keep it in Carlsbad and make your holiday party wishes come true.

CITY UPDATE VILLAGE BEAT

1,000 L I K E S

A thouSAnd thAnKS!

Your support means a lot to us. thanks for helping us reach this milestone

Venues for your holiday parties abound in Carlsbad

Economic Development Manager CITY OF CARLSBAD

KAT

HY D

ODSO

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CITYNEWS

Input + Implementation = Positive Change

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President URBAN PLACE CONSULTING GROUP

STE

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VILLAGEBEAT

“Our Fire Prevention staff has encountered several instances in which business owners have

moved into new buildings without realizing that the new space may have been right for the previous tenant, but isn’t correctly configured for them.

Visit the fire department before your move

facebook/cityofcarlsbadNews, events and moreLike us

Fire Chief CARLSBAD FIRE DEPARTMENT

KEV

IN C

RAW

FORD PUBLIC

SAFETY

The Crossings at Carlsbad's clubhouse has party accomodations for groups ranging from four to 250.

LIKE US AT WWW.FACEBOOK.COM/CARLSBADCHAMBER

For a complete list of venues for your next event, go to www.carlsbad.org and search the Carlsbad Chamber of Commerce's Member Business Directory.

CARLSBAD BUSINESS JOURNALWWW.CARLSBAD.ORG NOVEMBER 20126 7

LEGISLATIVE CORNERTECH TALK

What would you do today with an SBA loan? Purchase commercial real estate Acquire a business Expand your business Buy equipment Build inventory

Whatever your plan for moving your business forward, Wells Fargo SBA Lending is here to help. For the second straight year we’ve approved over $1 billion in SBA loans, more than any other bank in SBA lending history.1

Proud to be America’s #1 SBA lender for the fourth straight year2

Apply for a loan or learn more today. Stop by a Wells Fargo location to talk with a banker, or call 1-800-545-0670 (Monday – Friday, 7 a.m. – 7 p.m. Central Time). You can also visit wellsfargo.com/biz.

1 U.S. Small Business Administration, for federal fiscal year 2012.2 Wells Fargo is the #1 SBA 7(a) lender by dollars according to the U.S. Small Business Administration as of September 30, 2012.All credit decisions subject to approval.© 2012 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. (740145_06710)

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Just six short years ago, California’s unem-ployment rate was a very low 4.9 percent. The state had the eighth-largest economy in the world. Total expenditures for the 2006-07 fiscal year were $130 billion and budget problems were far more manageable.

Given those numbers today, the Golden State would shine. However, now, the state’s unemployment rate is the third-highest in the nation at 10.6 percent. A recent study shows the state’s economy has slipped to ninth place. Even after facing multi-billion dollar budget deficits, the state budget has continued to grow and is now on track to reach $137.3 billion in 2012-13.

What changed? Perhaps the 5,528 laws that the state leg-

islature passed over the past six years played a role. While some of those laws may have been necessary, the majority clearly were not. Some of these laws include giving taxpayer-funded financial aid to illegal immigrants and maintaining costly defined-benefit pension plans for public employees and another, elim-inated safeguards against food stamp fraud.

This year, Gov. Jerry Brown signed laws that range from same-day voter registra-tion (without requiring a photo ID) to build-ing a $68 billion fantasy train to nowhere. Ironically, he signed a law making California’s tanning salons more secure than its voting booths – salons now have to check for photo ID to ensure that those under 18 do not tan.

Other laws added more and more business regulations, raising the cost of products and services.

For example, if you are a business owner fortunate enough to be in a position to hire, there’s a law that prohibits you from obtain-ing a credit report to screen for the best prospective employee. Imagine the impact on background checks for new hires if you’re in the banking, finance or security business.

The majority of legislators – almost all of whom have never run a business – passed laws like this in the often misguided hope they would make California better, not just more expensive and less productive.

We should not judge the legislature’s effectiveness by the number of laws it passes, but by how and where it wisely spends our tax dollars. The legislature passed 5,528 new

laws over the past six years, but do Califor-nians truly believe that most have helped to improve their lives? What this barrage of laws has done in most cases is to erode our liberty, traditional values and economic vitality one law at a time.

I am more convinced today than I was six years ago of the need to return the Legis-lature to part-time status. I believe a part-time system made up of citizen legislators who must return to their districts and live under the laws, regulations and taxes they pass will result in a better, freer and more prosperous state.

As Reagan once said, “man is not free unless government is limited.” Today, the people of California need to take their gov-ernment back.

Assemblyman Martin Garrick, R-Carls-bad, represents the 74th Assembly District in the California Legislature.

Assemblyman ASSEMBLY REPUBLICAN LEADER EMERITUS

MAR

TIN

GAR

RICK

DISTRICTUPDATE

Are Californians better off?

EXPANDING YOUR KNOWLEDGE

If you’re a small-business owner, with no full-time employees (except possibly your spouse or business partner), you’re probably used to taking care of just about everything on your own. So, if you’re thinking of establishing a retirement plan — and you should — you might also be attracted to “going solo” with an “owner-only” 401(k).

An owner-only 401(k), some-times known as an Individual 401(k), has been around for a few years now, and has proven quite popular — and with good reason. This plan is easy to establish, easy to administer and, most importantly, gives you many of the same benefits enjoyed by employees of a company that offers a traditional 401(k) plan.

These benefits include:Tax deferred earnings —

Your earnings aren’t taxed as they accumulate.

Tax deductible contributions — An owner-only 401(k) consists of two components — salary deferral and profit sharing contributions, both of which are generally 100 per-cent tax-deductible. If you choose to make Roth salary deferrals to

your owner-only 401(k), your con-tributions aren’t deductible, but you won’t pay taxes on your earnings, provided you don’t take withdraw-als until you’re 59-and-a-half and it’s been five years since your first year of Roth referral.

Variety of investment choices — You can choose to fund your owner-only 401(k) with a wide range of investments. And you can construct an investment mix that’s appropriate for your risk tolerance and long-term goals.

Furthermore, an owner-only 401(k) can potentially allow you to make greater contributions, at an identical income level, than other

small-business retirement plans, such as a Simplified Employee Pen-sion (SEP) IRA. In 2012, you can defer up to $17,000, or $22,500 if you’re 50 or older (as long as you don’t exceed 100 percent of your income). Then, in addition, you can make a profit-sharing contribution equal to 25 percent of your income (slightly less if you are unincorpo-rated). So, by combining the salary deferral and profit-sharing compo-nents, you can potentially contrib-ute up to $50,000 to your owner-only 401(k) in 2012, or $55,000 if you’re 50 or older. And these figures are doubled if your spouse also contributes to the owner-only 401(k).

However, you’re not obligated to contribute anything to your plan. So, if your business is slow one year, you might scale back your contribu-tions, or put in nothing at all. Then, when business picks up again, you can get back toward contributing whatever you can afford, up to the maximum.

Clearly, the owner-only 401(k) can offer you some key advantages in building resources for retirement. But it’s not the only small-business retirement plan on the market, so, before you make a decision, you may want to consult with your tax and financial advisors to determine if an owner-only 401(k) is indeed the right plan for you.

But don’t wait too long. You’ll have to establish your owner-only 401(k) by Dec. 31 if you want to receive any tax deductions for 2012. And in any case, the sooner you start putting money away, the faster the progress you will make toward the retirement lifestyle you’ve envisioned.

Peek can be reached at Justin.Peek@ edwardjones.com.

There's still time to set up your Individual 401(k)

Do you realize technology can do as much harm as good when it comes to your sales process?

Consider a statistic cited in a recent Harvard Business Review article where 100,000 deci-sion makers were interviewed about vendor selection and 39 percent said the salesperson was the major reason for their choice; above price, product or service features, and quality.

My guess is these decision makers trusted the salesperson. But what does trust mean and how is it developed during the sales process?

First, trust has two components. There is an emotional component, where

people feel comfortable sharing information believing not only that it won’t be used against them, but conversely that it will help them.

There is also a logical component based on predictable behavior. You do what you say you will do. Your word is good. Likability is developed through both components; people trust people they like, and people like people they trust.

So how do you become likable? Begin by understanding that people want to be heard and understood. They want you to listen to them. They want to believe that you value their priorities in addition to your own. If you can sincerely practice this very basic act of building trust it will serve you well.

Add product and industry knowledge with likability to establish professional credibility and you are on your way.

Second, when it comes to the sales process, there are so many productivity and effective-ness tools available for sales people that you can lose sight of the crucial issue of trust amidst all the gadgets.

There are hardware tools like laptops and notepads. There are smartphones that allow easy access to e-mail, texting, voice commu-nications and the internet. There are software tools such as Customer Relationship Man-agement (CRM) and presentation tools that provide and help deliver incredibly powerful ideas. Lastly, there are information sources for prospect and industry research that are

almost infinite. Each of these productivity tools plays an

important role in prospecting, qualifying, presenting and managing the sales process. However, they are so convenient and broad based that the temptation to use them may blind you to the personal element necessary to build trust.

Here are a few examples of technology trust traps:

• Texting or e-mailing can become substi-tutes for phone calls or lunch meetings.

• Researching a prospect through Linkedin while incredibly helpful can be an excuse for not calling.

• Assembling a presentation with com-pany history, product video’s, compelling testimonials, and detailed implementation schedules seems awesome, but may be a negative if you do not really understand the prospect’s budget and decision making process, not addressing their needs.

Simply put you must ask yourself through every step of the sales process, is what you are doing building trust or not? How much time do you spend with a prospect listening and learning about their needs and desires as a person and an organization?

As simple as it sounds, it is not easily prac-ticed, technology is too tempting. If nothing else, start with awareness.

Swette can be reached at tswette@sandler.com

Are you hiding behind your sales technology?

Financial Advisor EDWARD JONES

JUS

TIN

PEE

K, C

FP MONEYMATTERS

Managing Partner SALES GROWTH ASSOCIATES, LLC SANDLER SALES TRAINING, COACHING AND CONSULTING

RO

BERT

F. S

WET

TE TECHTALK

Caring for the caregiver If you’ve ever cared for someone

who is ill on a long-term basis, you know how fatiguing and frustrating it can be. The stress is especially chal-lenging for baby boomers striving to care for aging parents while work-ing, raising children and hoping to carve out a moment now and then for themselves.

It’s no wonder that constant caregiving puts the caregiver’s own health at risk.

More than 42 million Americans – the majority of whom are women – provide some level of consistent care for an older or impaired adult. Many provide several hours of care per week; from handling bills and driving Mom to appointments to providing hands-on services such as bathing and toileting assistance.

The caregiving burden – even when freely and lovingly given – takes its toll in terms of time, stress, finances and health. To help combat this growing challenge, AARP has launched a campaign to raise awareness of family caregiv-ers and direct them toward helpful resources.

Ad copy created by AARP and the Ad Council sums it up: “I take care of her, but who takes care of me?”

AARP has established a one-stop website at www.aarp.org/caregiv-ing that is a good starting point for resources. The site features web chats with caregiving experts, online support groups and links to relevant programs and services such as respite services.

Is it the blues, or depression?Blue is an attractive color, but not a

desirable emotional state. We all feel down or sad now and then. If you feel that way all the time, it may not be a case of the blues, but depression.

Depression is an illness that affects many people. In fact, it impacts one out of every five women, including mothers who suffer from “the baby blues” after giving birth.

Symptoms include constantly feel-ing sad, tired, nervous, cranky, guilty or hopeless; eating or sleeping too little or all the time; having trouble concentrating; contemplating suicide.

In light of this “depressing” news is some very good news. Depression typically gets better with treatment, which may include medication, coun-seling or a combination of both.

San Diego County is at the fore-front of proactive government striv-ing to make a change in people’s emotional health and well-being. The County has established a com-prehensive website at www.up2sd.org specifically to help people who may be suffering from depression or other forms of mental illness. It helps people and those who love them identify symptoms while guid-ing them to resources in their com-munity. It offers a 24/7 staffed crisis hotline at 888-724-7240.

Everyone gets down at times. If it seems like you’re always down and can’t get up, please seek help.

Kaufman can be reached at nkaufman@hospicenorthcoast.com

EXECUTIVE DIRECTOR HOSPICE OF THE NORTH COAST

NER

ICE

KAU

FMAN ABOUT

LIFE

CARLSBAD BUSINESS JOURNALWWW.CARLSBAD.ORG8

Need expert Advice? Turn to the Carlsbad Chamber of Commerce

SMALL BUSINESS SUCCESS CENTER

Business Counseling Now Available!The Small Business Success Center,

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For more information please call (760) 931-8400.

If you own a commercial or indus-trial building in California, you likely will be affected by the implementa-tion of the Non-Residential Building Energy Use Disclosure Program.

Passed by the California legisla-ture as AB 1103 in 2007, this pro-gram requires non-residential prop-erty owners to fulfill the following requirements prior to selling, leasing, financing, or re-financing an entire building: (1) owners must open an account on the U.S. Environmental Protection Agency’s Energy Star Port-folio Manager website and ensure that benchmarking data and ratings from the prior twelve months are uploaded to the account; and (2) owners must disclose energy use reports to prospective buyers, les-sees, and lenders prior to entering into a transaction.

Since AB 1103’s passage, the California Energy Commission has been receiving public input in drafting the law’s implementing regulations. Compliance has been postponed several times, but what are presumed to be the final compli-ance deadlines are approaching. The Commission will consider adopting final regulations on Nov. 14. The revised schedule requires compliance on a rolling basis depending upon a building’s floor area.

Accordingly, the only property owners not affected will be owners of residential properties and small commercial spaces. Failure to comply with the regulations may subject an owner to civil penalties of up to $2,000 per day. Owners should also bear in mind that a violation could allow buyers or lessees to back out of a deal without repercussions because failure to make the legally required disclosures beforehand may constitute a material breach. To ensure a deal does not go south, owners should arrange for compli-ance well in advance of the above deadlines.

Steps to Compliance1. Open an Energy Star Portfolio

Manager account and input the appropriate space usage informa-tion. This must be completed at least 30 days before a disclosure is required.

2. The owner then requests that its utility company uploads the entire building’s energy use data to the newly-created account.

3. The utility company uploads the data.

4. The building owner accesses the Commission’s website and downloads the Disclosure Summary Sheet and generates a Compliance Verification Report. As an aside, the Commis-sion treats individual

Compliance Reports as confidential, but may aggregate data from these reports for use in public documents. Aggregation will mask individual building energy use to maintain confidentiality.

5. The owner generates the fol-lowing disclosure reports to present to a buyer prior to entering into the

transaction: (a) Disclosure Summary Sheet, (b) Statement of Energy Per-formance, (c) Data Checklist, and (d) Facility Summary.

6. These reports must then be delivered to a prospective buyer, lessee, or lender “as soon as prac-ticable,” but the disclosures abso-lutely must be made before entering into the transaction.

Implications for Single-Tenant Lease Agreements

These mandatory disclosures apply only to the sale, lease, or financing of an entire building; therefore, owners will not have to comply with AB 1103 when sell-ing or leasing individual spaces in a multi-tenant commercial or indus-trial building. However, if owners decide to sell or lease their entire building at some point in the future, disclosure will become mandatory. Because energy use is confidential,

owners of single-tenant build-ings should ensure that

their rental agree-ments include a pro-

vision by which the tenant consents

to disclosure of its energy use for purposes of compliance with Public Resources Code Section 25402.10. For buildings with multiple tenants, the reports that will be disclosed will aggregate energy use of all tenants in the building, so confidentiality of individual tenants’ energy use should be preserved even absent such a spe-cial lease provision.

What this Means for Owners of Non-Residential Buildings

Regardless of whether owners intend to sell, lease, or finance their entire building in the near future, it is prudent to open an Energy Star Portfolio Manager account now to ensure compliance when such a transaction is imminent. If owners are not proactive, a sale, lease, or financing transaction could be delayed or even fall through if an owner is not in full compliance with AB 1103. In light of the approaching deadlines for compliance it is advis-able for owners to take action now by consulting with counsel to ensure that the above steps are properly followed and applicable deadlines are met.

Heidelberg can be reached at evelyn.heidelberg@procopio.com

REVISED SCHEDULE FOR COMPLIANCEJuly 1, 2013:Buildings in excess of 50,000 square feet

January 1, 2014:Buildings in excess of 10,000 square feet

July 1, 2014:Buildings in excess of 5,000 square feet

Law requiring building energy use disclosures starts in 2013

Partner PROCOPIO, CORY, HARGREAVES & SAVITCH, LLP

EVE

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SPECIAL PULL-OUT MAP!

Win 4-pack of tickets to LEGOLAND CaliforniaThe Carlsbad Village Faire, presented by the Carlsbad Chamber of Commercew, ill be held from 8 a.m. to 4 p.m. on Sunday, Nov. 4. Share a photo taken during the faire with us and you may win four (4) one-day Resort Hopper tickets to LEGOLAND California.

Picture yourself at the carlsbad Village faire

it’s really simPle:1) Attend the Carlsbad Village Faire2) Snap a photo with your smartphone or camera3) Share it on the Carlsbad Chamber of Commerce’s Facebook Page (www.facebook.com/Carlsbad Chamber)The Carlsbad Chamber of Commerce will choose the winner.

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Fall edition of the nation’s largest one-day faire returns Nov. 4

More than 100,000 people will take in the beauty of our seaside city while browsing through unique booths, indulging in delectable eats and enjoying family entertainment when the largest one-day street faire in the nation returns on Sunday, Nov. 4.

The Carlsbad Village Faire, brought to you by the Carlsbad Chamber of Commerce, will take place from 8 a.m. to 4 p.m. at Carlsbad Village on Grand Avenue from Carlsbad Boulevard to Jeffer-son Street.

Each year, the Carlsbad Chamber of Commerce hosts the faire on the first Sunday of May and November.

Now in its 39th year, the free event has grown to be so popular that it not only attracts people from all over Southern California, but also from other states. Some visitors even plan their vacations around the bi-annual event.

“The reason so many people

return to the faire every year is that they can count on finding quality items to purchase because of the wide variety of vendors,” said Ted

Owen, president and chief executive officer of the Carlsbad Chamber. “You name it and it’s for sale at the faire.”

Just like at past faires, vendors will sell everything fathomable, includ-ing clothes, accessories, plants, household products, art, antiques

and home decor. The international food court will once again feature booths serving everything from Thai to Hawaiian cuisine.

The children’s area will entertain youngsters with games, a super slide, a bounce house, a rock climb-ing wall, face painting and arts and crafts.

The Rotary Club of Carlsbad’s beer and wine garden will entertain fairgoers with a large screen TV and live bands starting at 11 a.m.

The Kiwanis Club of Carlsbad will continue its more than 25-year tradition of hosting a pancake breakfast at the Carlsbad railroad depot. The meal, which includes pancakes, sausage, coffee and juice, will be served between 7 a.m. and noon.

Grand Avenue from Carlsbad Boulevard to Jefferson Street, and all cross streets in between, will be closed for the event.

To make parking more convenient, complimentary shuttles will run to and from the faire. Shuttles will pick up and drop off passengers at the Poinsettia Coaster Station and the northwest corner of Sears at West-field Plaza Camino Real.

The event’s sponsors are Brecht BMW / Mini and Scripps.

For more information, please call 760-931-8400, or visit www.carlsbad.org.

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“My goodness, the Revolutionary War was over the issue of having the right to determine our govern-ment,” Packard said.

Packard’s story, his election to the U.S. Congress, illustrates the impor-tance of voting. He was only the third person in U.S. history to be elected to Congress by a write-in vote.

Packard was the runner-up in the Republican primary that had a stag-gering 18 candidates, losing by 92 points to Johnnie Crean. According to reports from the time, Crean’s

character came into question given the negative tone of his campaign and a fabricated endorsement from Ronald Reagan.

Write-in campaigns are not often successful for national offices. They’re more suited for local races, such as city council or school board seats, where candidates can walk the precincts and talk to a lot of people in the voting district. But for national offices, where the voting pool is much larger, the probability of success is smaller.

Packard was able to get a groundswell of support for his write-in campaign, whose biggest challenge was teaching people how to write in their votes, since the

ballots did not include a designated spot for a write-in candidate. When the general election came about, Packard won with 37 percent of the vote, besting both a Democrat and a Republican.

“That instance is a good example that people can make a difference by voting if they’re convinced that they need to change something,” said Packard. “If people really get involved in good government and want good people representing them, then they can make a differ-ence. It might not be just one vote, but in this case it was thousands of united votes, which were able to make history.”

Packard said he believes people

should study the candidates and the propositions at local, state and federal levels. Packard said he believes he was able to make more of an impact as an elected official at the local level — he served on the Carlsbad Unified School District and was both a councilman and a mayor in Carls-bad — than at the federal level, since he was able to make deci-sions that impacted the people in his community.

“I can’t do anymore than say how important it is for everyone who is qualified to vote to do so,” Pack-ard said. “Frankly, local elections are probably more important than national elections.”

› VOTING Continued from Page 1

Knowledgeable staff mem-bers offer end-of life planning, a Pathways program for those with advancing chronic illness, anticipa-tory and post-death bereavement counseling and related programs.

We Value Your Support“The services HNC provides are

priceless,” said Kaufman. “The cost

to provide them is significant. We are so grateful for the support of individuals and organizations. As a nonprofit, without their contribu-tions, we could not exist.”

A recent $700,000 bequest from the Loretta Ames Estate will enable HNC to pay the remainder due on the 2010 purchase of its Carlsbad headquarters and redirect dollars to expanding programs and services.

HNC offers many avenues of support, from its Resale Shop to Memory Wall tiles to planned giving opportunities. Often, people whose family members have died a good death with HNC contribute their time, talents and money.

True to the Spirit of Hospice Kaufman states, “As we cel-

ebrate National Hospice and Pallia-tive Care Month in November, we rededicate ourselves to the intrinsic spirit of a movement that began when Cicely Saunders, after watch-ing a loved one die, determined to make a difference and founded the first hospice, St. Christopher’s, in London in 1967. Twelve years later in Encinitas, Father Paul Camm organized congregants to care for a dying patient in her home. That program evolved into Hospice of the North Coast.

“People and groups are known by the company they keep,” Kaufman

notes. “We are fortunate to be in the company of a wonderful board, awesome staff, incredible volun-teers and the business community.”

Patient Care Volunteer Dan Del Fiorentino sums up the spirit of

Hospice of the North Coast when he says, “Being on the HNC team makes me feel a part of something. I have held a patient’s hand for two hours. Enabled weary caregivers to run errands, take a walk or simply lie down and rest. Helped an elderly man see himself for a few minutes as a youth in his snazzy Studebaker, not as a dying patient. Knowing I have made a difference is my reward.”

The spotlight is a paid advertorial feature. To get your company in the spotlight, contact Julie Miramontes at julie@carlsbad.org or call 760-931-8400.

Page 2

Life Technologies Logo Interim Guidelines3 November 2008 v1.3

Life Technologies BlueC100, M100, Y31, K22 Pantone: 2766C

CMYK: C100, M100, Y31, K22Pantone: 2766CRGB: R40, G37, B96

Life Technologies Gray77% Black

CMYK: K77Pantone: 425CRGB: R95, G96, B98

Life TechnologiesChairman’s Circle

become a memberTo learn how you can join Chairman’s Circle please contact the Carlsbad Chamber of Commerce at 760.931.8400www.carlsbad.org

› HOSPICE Continued from Page 1

PROP 33: Allows insurance compa-nies to set prices based on whether the driver previously carried auto insur-ance with any insurance company.

PROP 34 Repeals death penalty and replaces it with life without the possibility of parole

PROP 35: Increases prison sen-tences and fines for human traf-ficking convictions

PROP 36: Revises three strike law to impose life sentence only when the new felony conviction is serious or violent.

PROP 37: Requires food sold to consumers made from plants or ani-mals with modified genetic materi-als in certain ways to be labeled in specified ways.

PROP 40: Would approve new state senate districts drawn by the Citizens Redistricting Commission.

CITY OF CARLSBAD

NO POSITIONPROP A: Would amend section 502 Retention of Benefits of the Charter of Carlsbad, California to include limiting increases in retirement ben-efits for miscellaneous employees.

MIRACOSTA COMMUNITY COLLEGE DISTRICT

SUPPORTPROP EE: Would allow MiraCosta

College District to issue $497 million in bonds to expand sci-ence labs, upgrade electrical

systems, wiring, computer technology and Internet access as well as support facilities for war veterans.

› ELECTION Continued from Page 1

Longtime HNC contributors Knox and June Williams purchased a Memory Tile in honor of their de-ceased son, Drue.

Colleen O’Harra, Esq., successor trustee of the Loretta Ames estate and past HNC Board member, presents check to HNC Board President Bobbie Hoder and Executive Director Nerice Kaufman.

HOSPICE OF THE NORTH COAST2525 Pio Pico Drive, Suite 301, Carlsbad760-431-4100www.hospicenorthcoast.org

In honor of the many volunteers who help the Carlsbad Chamber of Commerce throughout the year, a special First Friday Breakfast Volun-teer Recognition event will take place from 7 to 9 a.m. Dec. 7 at the Hilton Garden Inn, 6450 Carlsbad Blvd.

Each year, hundreds of volunteers donate their time to the Chamber, helping with everything from events to new program development. Through their contributions, the Chamber has become the largest business organization in North County.

“Volunteers are the backbone of organiza-tions like ours. They help us effectively serve our community,” said Ted Owen, president and CEO of the Chamber. “Without our amazing volunteer base, this Chamber would not be the second largest in the county and the 10th largest in the state. They are vital to our unity in community mission.”

The breakfast is one of the best networking opportunities of the year, and is also a fun and

positive event. Attendees will have the oppor-

tunity to meet with one another and share ideas while enjoying a delicious breakfast buffet.

The awards will be presented for various categories, including committee member of the year, committee of the year and other areas of special recognition.

The winner of the Chamber's Refer and Earn program will also be announced.

Tickets for the event are $30 for Chamber members who register by Wednesday, Nov. 30. After that day, and at the door, tickets are $55, where seating is not guaranteed and is available on a first-come, first-served basis.

For more information, contact Kathy Steffen, the Chamber’s member services manager, at ksteffen@carlsbad.org.

Tabletop exhibits or Soapbox presentations are not available for this First Friday Breakfast.

To register for the December First Friday Breakfast, visit us at www.carlsbad.org.

MEMBER DIGEST MEMBER DIGESTCARLSBAD BUSINESS JOURNALWWW.CARLSBAD.ORG NOVEMBER 201214 15

The holidays are fast approaching, and to get in that spirit, the Carlsbad Chamber of Commerce’s last two Sundowners of 2012 will be about more than just business networking — they’ll be about giving as well.

The November Sundowner, “‘Tis the Season to be Giving,” will be held from 5-7 p.m. on Tuesday, Nov. 13 at the new Hilton Carlsbad Oceanfront Resort and Spa, located at One Ponto Road. Attendees can bring gifts to benefit North County Solutions for Change.

The Hilton Carlsbad Oceanfront Resort & Spa warmly welcomes neighbor residents and businesses to enjoy its ocean-view Chandler’s Restaurant and Lounge, serving

coastal regional cuisine and daily Happy Hour, as well as the luxuri-ous and beautiful Ocean Crest Spa. The new resort features 215 guest rooms and suites, many of them offering panoramic ocean views, as well as 25,000 square-feet of styl-ish event space — presenting an outstanding new option for local meetings, weddings and social gatherings.

North County Solutions for Change is an organization whose mission is to end family homeless-ness for kids and communities one family, one community at a time.

For Chamber members, admis-sion to this Sundowner will be $10 (cash only) at the door, or a new, unwrapped toy of equal or greater value.

If you are a Chamber member

who offers products to consumers (not services), you can join the roster of businesses who will have table-top sales exhibits at the November Sundowner for $49. The availability of table tops is limited, so act now to secure your spot.

The December Sundowner, “Toast the Holidays,” will be held Wednes-day, Dec. 5, at the Karl Strauss Brew-ing Company in Carlsbad, 5801 Armada Drive.

A portion of the proceeds will benefit the Carlsbad Christmas Bureau Adopt-A-Family Project, which helps businesses, organiza-tions and individuals adopt needy families within Carlsbad and pro-vide gifts and food to help them celebrate the holidays.

Since 1989, Karl Strauss Brew-ing Company has pioneered the local beer scene in San Diego. Karl Strauss is known for brewing an innovative line-up of award-win-ning beers ranging from longtime favorites like Red Trolley Ale to new releases like Wreck Alley Imperial Stout. In 2011, Karl Strauss brewed 40,000 barrels and ranked 44th on

the list of the country’s top craft breweries. The company recently expanded distribution to Northern California and opened its seventh brewery restaurant.

In addition to allowing attendees to give back to these worthy causes, the Sundowners give attendees the opportunity to network and cele-brate a year of making connections.

Admission to the Sundowners is $10 (cash only) for members.

Prospective members must call the chamber to RSVP and for pricing.

The Chamber is still looking for members to donate free items for the Sundowner raffles.

For more information, contact Kathy Steffen at ksteffen@carlsbad.org or call 760-931-8400.

EVENT CALENDAR

Chamber Events

Free Score Business Counseling by Appointment Mondays & Fridays

Chamber Closed

For event details visit www.carlsbad.org

THE CHAMBER SALUTES ITS SEPTEMBER 2012 RENEWALS

Nov. 2 November First Friday Breakfast

Nov. 4Carlsbad Village Faire -

Village of Carlsbad

Nov. 6Business Resource Committee

Nov. 7Government Affairs Committee

Nov. 9Coffee Connection

Nov. 13 Sustainability Committee

November Sundowner -

Hilton Carlsbad Oceanfront

Nov. 14Ambassador Committee

Nov. 15 Fourth Annual Eco-Bus Tour

Nov. 28 Education Committee

Nov. 29 A Tribute to Ann Kulchin

ACD CorporationThe Aramco GroupBandemer Accountancy Corp.Beckman Coulter, Inc.Buddha’s GiftCaldo Pomodoro RestaurantCalifornia Pacific AirlinesThe Carlsbad Charitable FoundationCarlsbad Community ChurchCarlsbad Design ExpoCarlsbad Police Officer’s AssociationChereskin ArchitectureComstock & Kaufman, Inc.Coolest Shoes in CaliforniaDUCTZ of San Diego CountyDavison Family Law

Diamond Environmental ServicesDomino’s PizzaEasy TurfEcoDirectEstate and Trust Law, Professional Law CorporationEventful SolutionsDr. John P. Fitzpatrick , O.D.Flippin PizzaForsyth & Associates Insurance AgencyH.G. FentonHYATT houseJohnson & Wood Insurance Services, Inc.The Josef M. CollectionWilliam J. King & Assoc. Insurance ServicesKirkland Insurance Services, Inc.Jeff T. Knutzen, D.D.S.

Konica Minolta Business SolutionsLawyer Referral & Information Service of the SDCBALem N. Man, Inc.Leucadia Wastewater DistrictLexus CarlsbadLinde’s Old World AlmondsThe Loftin Firm, LLPLund Team, TheMas Fina CantinaMedGen Supplies Inc.Metamorphysis - A Home Decorating & Staging ServiceMuseum of Making MusicThe Paintball Park at Camp PendletonPelly’s Fish Market & Cafe

RAM Enterprises InternationalRanch House Veterinary ServicesSan Diego Biz LawSan Diego Convention & Visitors BureauSign-A-RamaJim SmithState Farm Insurance / Britney OatesSterling/Stone REALTORST-Mobile Business Sales DivisionTake Shape for Life (Shaun Golden)Union Bank (Carlsbad Village)Vigilucci’s Cucina ItalianaWAN - Genuity, Inc.Wells Fargo Bank (La Costa)Wells Fargo Home MortgageYoungren Construction

NETWORKING OPPORTUNITIES FIRST FRIDAY BREAKFAST

RIBBON CUTTING

DEC. 7

Thursday, November 15, 2012 7:30 a.m. - Noon

ECO BUS T O U R

A bus tour showcasing green office buildings and sustainable business practices.

To register visit www.carlsbad.org

Life Technologies | Carlsbad Aqua Farm | McClellan Palomar Airport | California Pacific Airlines• Corporate Social Responsibility

• Integrating Sustainability

• Connect with Community

• Green Office Buildings

* Includes Continental Breakfast and snacks Space is limited!

Chamber Members Only $20 Must RSVP by November 1 with payment.

provides an opportunity for 8 chamber members to meet for breakfast or lunch and learn more about each other’s businesses. A

Carlsbad Chamber member hosts and facilitates at a local chamber member

restaurant.

This program is open exclusively to Carlsbad

Chamber members; and the only cost is the price of

your meal. RSVP’s are required and can be made by

contacting the person listed next to the date.

For more info call: (760) 931-8400 or visit www.carlsbad.org

Friday, November 16 Matt Leonard 760.434.7083 4 – 5 p.m

Friday, November 27 Rick Kaufman 760.519.9974 11:30 a.m. - 1 p.m.

™

After months of anticipation, Jayden Presleigh, The Salon & Spa recently opened its doors in the heart of the historic district of downtown Carlsbad. Located at 2946 State St., with all that building’s 1940 character and charm, Jayden Presleigh is the largest salon and spa in North County. The extensive open floor plan, inviting interior, and cozy chairs

have quickly become a focal point among State Street’s sidewalk crowd.Jayden Presleigh takes pride in being an earth-friendly and natural

salon. Everything from their re-purposed furniture to the yogurt-based hair color line to the used-product recycling program echoes their com-mitment to sustainability.

Jayden Presleigh offers a full menu of services, ranging from artfully pre-formed haircuts to formal up-dos for weddings. Their experienced stylists have individualized specialties, such as Great Lengths hair extensions and advanced coloring techniques. The aestheticians, manicurists and massage therapists are at the top of their profession, and the finishing touches from renowned make-up artists are worthy of the red carpet. Jayden Presleigh also specializes in gentlemen’s services, including hot-towel straight-razor shaves and facials. Our highly skilled nail technician is an expert in organic high-end pedicure and manicure treatments, as well as “bling” service- adding a little (or a lot!) of sparkle.

Come in and be a part of this salon’s success as it promotes creativity and innovation in the Village of Carlsbad and throughout the national beauty industry.

Next two Sundowners are all about givingWELCOME NEW MEMBERS

5934 Priestly Dr. Carlsbad, CA 92008Phone 760.931.8400 | Fax 760.931.8153 | www.carlsbad.org

Order Your 2013 CaliforniaEmployment Poster Today!Make sure your business is in compliance. Even if you have only one employee, you can be fined $17,000 for not posting required notices. Our poster includes all 16 notices in one convenient poster. Order yours today!

$30 - Chamber members • $50 - Prospective members

MANDATORY CHANGE TO EMPLOYMENT NOTICES POSTER

AcupunctureCarlsbad Family AcupuncturePatricia Boultbee-Wingo (760) 729-0115www.carlsbadfamilyacu.comWe are a full service alternative medicine clinic offer-ing Acupuncture, Herbs, Functional Blood Analysis, Nutrition, Massage and Energetic Healing. Start feeling great today!

Arts & CraftsSew Mamma SewKathy Moore (951) 652-2444www.etsy.com/shop/sewmammasewUniquely handmade aprons with a specialty in customized design.

AttorneysLaw Office of Sean R. Dunn, APCSean R. Dunn, APC (760) 918-5870www.srdunnlaw.comLocated in Carlsbad, CA, the Law Office of Sean R. Dunn, APC is a general litigation firm providing Crimi-nal Defense, Military Justice Defense, Family Law and National Security Law counsel and support to Service Members and civilians.

BanksUnion Bank (Carlsbad Poinsettia) Brian Farnam (760) 710-2300www.unionbank.comUnion Bank, N.A., is a full-service commercial bank, providing a broad mix of financial services to busi-nesses and individuals.

BreweriesOn The Tracks BreweryJohn Davison (760) 550-9688www.ottbrew.comWe specialize in Ales, Porters and Stouts, the Darker Side of beer. We brew in the Scottish and English style. Our beers are handcrafted and environmentally responsible.

CasinosHarrah’s Rincon Casino & ResortDarrell Pilant (760) 751-3100www.harrahsrincon.comHarrah’s Rincon Casino Resort is Las Vegas style action in San Diego. We are part of Caesars Entertain-ment, the premier company in casino entertainment.

Clothing & AccessoriesBYOU, LLCGreg Writer(760) 233-2863www.BeYourOwnYou.comWe are building a lifestyle brand designed to build self-esteem in your girls. We ofer an apparel line, a magazine and various accessories, as well as online bullying, internet safety and self-esteem workshops.

Computer Networks & CommunicationsV.I. Experts, Inc.Matt Murphy (760) 944-9473www.viexperts.comV.I. Experts, Inc. offers exceptional Business Class I.T. support, sales and service to small/medium size organizations. This includes on-site support, remote helpdesk, network management, backup solutions and cabling/installation.

Escrow ServicesChicago Title Escrow / Vista BranchKathryn Evans (760) 732-1477www.westerndivision.ctt.comExperienced escrow staff prepared to serve every real estate need - whether residential sales, refinances, bulk sales, mobile homes, commercial, industrial or land sales - our professionals can handle it all!

Food & Beverage SalesEpic EatzJohn Adams (760) 500-8674www.epiceatz.comGourmet food truck specializing in San Diego Surf Cui-sine. Catering also available, including corporate lunches.

Furniture & AccessoriesFourth on the LeftTeresa Elston (760) 522-8851We take old furniture and recreate it into new life. We redesign old pieces, adding character to it. All pieces are hand done by us and are one of a kind.

Graphic DesignHoldren Design LLCMaria Holdren (757) 645-8603www.holdrendesign.comI am a sole proprietor of Holdren Design, LLC (an all inclusive) graphic and website design agency. I design logos, marketing materials, architectural signs, brochures, workbooks, all types of print materials and websites.

Health & FitnessShift FitnessDaniel Shamburg (760) 683-5047www.shift-fitness.comSHIFT Fitness, located in Carlsbad, offers quality group fitness and indoor cycling classes. Our 1,800 square foot facility is designed to make it easy for the local commu-nity to get the best strength and aerobic workouts.

InsuranceAllstate Insurance Merri Hutchison (760) 729-1120www.allstateagencies.com/merrihI’ve been with Allstate for over 32 years and have worn many hats in the company. My tenure and experience has allowed me to not only understand the ins-and-outs of insurance, but also to service hundreds of families regarding their protection needs. I can help you protect the things that are important – your family, home, car, boat and more.

Janitorial ServicesExemplar Enterprises, Inc.Martha Lutt (888) 258-5862www. exemplarent.comExemplar Enterprises, Inc. provides janitorial, land-scaping, carpet cleaning, natural stone care and snow and ice removal services to commercial and federal customers and has earned a reputation for unequaled excellence.

LocksmithsPop-A-Lock of North San DiegoSusie An (949) 491-1390www.popalockofnsd.comAutomotive, residential, commercial locksmith service and roadside service.

Non-Profit OrganizationsBlue Star Families (Camp Pendleton) Liz Snell (734) 341-8032www.bluestarfam.orgBlue Star Families was formed in December 2008 by a group of military spouses to raise the awareness of the challenges of military family life with our civilian communities and leaders.

Occupational MedicineWorkPartners Occupational Health SpecialistsHeather Manley (760) 681-5222www.workpartnersohs.comFull service Occupational Health clinic dedicated to supporting the health and wellness of your employ-ees. Services include everything from pre-employment physicals (including DOT) , drug screens and testing to treatment of work-related injuries.

Painting ContractorsTurman Commercial PaintersGino Lizarraga (800) 455-9091www.turmaninc.comFully licensed, bonded and insured national / local commercial painter. We work with national companies like Target, Starbuck’s, Chase and Wells Fargo Bank. We also work in the local community supporting the greater San Diego area.

Professional SportsNorth County CannonsJames Hoynes(760) 566-7575www.northcountycannons.comMinor League Professional Baseball Team - bringing safe, affordable & fun family entertainment to the residents of North County.

Promotional Products & Ad SpecialtiesElite DesignsAndrew Mencinsky (760) 500-2610www.elitedesignsonline.comProvides a diverse selection of promotional products catering to main street businesses and national cor-porations in the Carlsbad and North SD area. We offer a full line of imprintable promotional and eco-friendly promotional products.

Restaurants & EateriesKnockout BurgersAdam Pattison (760) 729-8478Serving burger lovers, with 100% Angus beef patties and other delicious specialty sandwiches. All items made fresh to order. We cater and deliver.

Solar EnergyEveryday EnergyScott Sarem (760) 607-7200www.everydayenergy.usEveryday Energy is California’s largest installer of Multi-Family solar installations. We specialize in Virtual Net Metering and in sourcing funds to assist our clients in cost effective installations, immediate savings and reduced operational expense.

Web Site Design & ServicesAllen DesignsCharles Allen (858) 336-1116www.allendesigns.netAllen Designs specializes in Professional Web Devel-opment, from company Intranets and Online Stores to Social Networking websites like Facebook. We can help you get noticed!

Avoid the potential of penaltiesThe Carlsbad Chamber of Commerce is

making it easy for your business to comply with California’s labor laws. No matter how many employees you have in California, your business is required by law to post a current California and Federal Employment Poster in a central location.

As part of a special partnership with the CalChamber, the Carlsbad Chamber of Com-merce is currently taking pre-orders for the updated 2013 California and Federal Employ-ment Poster. The CalChamber’s all-in-one poster contains the 16 required state and federal employment notices every California employer must post. CalChamber is a trusted source for California and federal compliance products, with more than 120 years of experi-ence helping California business do business.

The 2013 poster includes the mandatory update to the Discrimination and Harassment notice, effective January 1, 2013. In addition,

• The Cal/OSHA notice has changed.• The Employee Polygraph Protection Act

notice has changed.

• There are pending changes to the Family Medical Leave Act (FMLA) and Pregnancy Dis-ability Leave (PDL) notices. If approved for 2013, these will be mandatory changes.

• Implementation of workers’ compensation reform measures will also begin in 2013. As a result, there are potential mandatory changes to the Workers’ Compensation notice and pamphlet regarding employees’ rights and benefits and employer obligations.

Failure to comply and have a current poster posted in a central location at your workplace could result in significant fines and penalties. Posters must be displayed in a conspicuous place where all employees can easily read it, such as a break room, common hallway, payroll office or other common location. Employers must also display posters in each company location.

The Carlsbad Chamber wants to make sure your business is in compliance and urges you to place your 2013 poster order today to ensure delivery by Jan. 1. Posters will be shipped in mid-December. Please call the Carlsbad Chamber at 760-931-8400 or go to www.carlsbad.org to order your poster today.

Order your employment posters

NOV. 13

DEC. 5

JAYDEN PRESLEIGH, THE SALON & SPA 2946 State St., Carlsbad760-720-2946 www.jaydenpresleigh.com

Chamber to honor volunteers at First Friday Breakfast

CARLSBAD BUSINESS JOURNALWWW.CARLSBAD.ORG NOVEMBER 201216 17

School district outscores county, state counterparts

In surveys, real estate ads and informal conversations, Carlsbad’s high quality education is touted as a major benefit of living in our community. Our annual test scores provide a platform for principals and teachers to focus on improved performance.

The results of the 2011-12 state exam reveal impressive gains across the District. In English/Language Arts (ELA), districtwide scores climbed 14 percentage points – reaching an all-time high of 76 percent! Carlsbad Unified scores continue to outpace both countywide (63 percent) and statewide (57 percent) averages.

More than 6,000 students in grades 2-11 took the California Standards Test (CST) in spring 2012. In addition to ELA, new highs were recorded in math (66 percent), sci-ence (71 percent) and social studies (68 percent).

When performance gains are dis-aggregated, nearly every grade level and student sub-group (including English learners, special education, and socially-economically disad-vantaged learners) have shown the same positive trend in student per-formance. Other areas of notable

improvement include:

• Compared to five years ago, 11 percent more English learners are now scoring proficient or advanced.

• Carlsbad High School’s API is projected to reach 848, represent-ing a remarkable 19-point gain over last year.

• Seven of 14 schools in CUSD have an estimated API score above 900.

• Pacific Rim Elementary School’s estimated API of 977 (out of a pos-sible 1,000) is the highest in the District and among the highest in San Diego County.

Collaboration is Key to Improvement and Achievement

Despite successive years of budget cuts, Carlsbad Unified continues to

lead the way as a premier district in the state and region.

In addition to our exceptional teachers, principals and support staff, there is a strong partnership between our schools and the busi-ness community. Many members of the business community contribute their time, talents and financial sup-port to keep our programs strong.

We are particularly fortunate to

have a local Chamber of Commerce that is focused on the education of our 11,000 students as we prepare them to succeed in college, career and life.

In Carlsbad Unified School District, continuous improvement is a priority for all involved!

Follow Superintendent Lovely at www.twitter.com/SuptLovely

A surprise $1.2 million gift from local philanthropist Darlene Shiley highlighted the launch of the CSU Institute for Palliative Care at Cal State San Marcos (CSUSM) last month. The Institute for Palliative Care is America’s first statewide edu-cational and workforce development initiative dedicated to palliative care.

“I am so pleased to support a program that will ultimately benefit others the way I have been person-ally helped,” said Shiley. “My late husband’s experience with hospice and palliative care made me realize how specialized and important the field of palliative care is today and the growing need for such care in the future. Cal State San Marcos is taking on a project that is smart, compassionate and greatly needed.”

The institute will address the criti-cal shortage of nursing, social work, spiritual and other professionals with palliative care skills and training. It will also educate the public about the value of palliative care and how to access it.

“We are very pleased to be giving this important Institute its start here at Cal State San Marcos and to begin addressing this criti-cal workforce need in not only our region but the state and nation as well,” said CSUSM President Karen Haynes. “This gift from Darlene will help accelerate our efforts and we are extremely appreciative of her support.”

Palliative care improves quality of life for individuals facing serious illness and their families — what-ever the prognosis. It prevents and relieves suffering by addressing pain as well as the physical, emo-tional, psycho-social and spiritual

challenges associated with serious and chronic conditions. Palliative care uses an interdisciplinary team approach to help patients and their families. Teams typically include a physician, nurse, social worker, pharmacist, chaplain and others as

needed.The institute will create a model

at CSUSM that can be replicated at any of the other 23 campuses across the CSU system, as well as other campuses across the country. It will offer continuing education courses

for working professionals, academic curriculum for today’s students and programs to support palliative care awareness in the community.

“More people than ever before are living with one or more chronic conditions, and while palliative care can do so much to help, its role and benefits are not well understood,” said the institute’s Executive Director Helen McNeal. “Mrs. Shiley’s gift is a wonderful, exciting surprise! Her support will enable us to proceed even more quickly in educating health care professionals and our community.”

In addition to the $1.2 million gift from Shiley, the Institute has also received initial grant funding of a combined $1.2 million over three years from the Archstone Founda-tion and the California HealthCare Foundation.

“Our aging society requires a qualified palliative care workforce that can support people’s desire for quality of life, independence, and choice and control in their health care decisions,” said Archstone Foundation President and CEO Joseph Prevratil. “The CSU Institute for Palliative Care shares our vision of the future and has a plan to help us get our workforce there.”

“The California HealthCare Foun-dation is committed to expanding access to palliative care as part of our focus on improving clinical outcomes and quality of life for Californians with chronic disease,” said Kate O’Malley, senior program officer for the California HealthCare Foundation.

“We’re pleased to support the CSU Institute for Palliative Care and its mission to educate health care professionals in all disciplines and expand awareness of palliative care in the community.”

To learn more about the CSU Insti-tute for Palliative Care, visit www.csupalliativecare.org.

EDUCATION NEWS EDUCATION NEWS

Local philanthropist Darlene Shiley (center) with Institute Director Helen McNeal (left) and President Haynes (right) at the launch of the CSU Institute for Palliative Care at CSUSM

$1.2m gift bolsters launch of palliative care institute Test results show continuous improvement

Superintendent CARLSBAD UNIFIED SCHOOL DISTRICT

SUZ

ETTE

LOV

ELY,

Ed.D

.

CARLSBADSCHOOL NEWS

Aviara Oaks Middle School students come to the first day of the 2012-13 school ready to learn and have fun.““ I am so pleased to support a program

that will ultimately benefit others the way I have been personally helped.

— Darlene Shiley, Local philanthropist

San Diego’sNew Gateway to the WorldCarlsbad to LAX 7 Times Daily with Convenient Worldwide Connections

User fees vary, Customs Service Available 24 hours for International Flights

Call (877) 848-7766Parking Fee $5 per day

“The Landings” Restaurant ......................... (760) 929-0200Hertz Rent-A-Car ......................................... (800) 654-3131Avis Rent-A-Car ........................................... (760) 931-1393Skywest (United Airlines Reservation) ........ (800) 241-6522

www.sdcounty.ca.gov/dpw/airports/airskeds.html

McClellan-Palomar Airport2192 Palomar Airport Road • Carlsbad, CA 92011

(760) 431-4646 phone • (760) 931-5713 fax

1903 Wright Place, Suite 280Carlsbad, CA 92008

Tel 800-624-4538 760-804-0402

Fax 760-804-0942 LIC# 0818269

Working to Help You Succeed:

• All major carriers National & Regional

• Proactively sourcing the most competitive rates available to your company

• One stop for all Business Insurance needs: Property Casualty, Workers Comp, Employee Benefits

• One stop for all Personal Lines needs: Home, Automobile, Watercraft, Personal Umbrella Protection

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Your source for Business & Personal Insurance in Carlsbad and all San Diego County

Largest Property Casualty Insurance Brokerage

in North County as listed in

San Diego Business Journal

www.marrsmaddocks.com | inquiries@marrsmaddocks.com

2010

MEDIUM BUSINESS OF THE YEAR

We need your voice. Are you a member of the Carlsbad Chamber of Commerce?

If so, we’re looking for contributors to our “Expand Your Knowledge”

section, which features articles on topics that our readers may find

informative. The articles should not be advertorial in nature and they must

address issues that could be of general interest to fellow business

professionals. Articles must be between 400 and 500 words in length.

»

To discuss your ideas for a column,

email our Director of Communications José A. López

at jlopez@carlsbad.org or call him at 760-931-8400.

with readers of the Carlsbad Business JournalSHARE YOUR EXPERTISE...

Vice President of Community Engagement CALIFORNIA STATE UNIVERSITY SAN MARCOS

DR.

JAN

JAC

KSON HIGHER

LEARNING

CARLSBAD BUSINESS JOURNALWWW.CARLSBAD.ORG NOVEMBER 201218 19

Mortgage fraud is prolific and an ongoing multi-billion dollar a year challenge for U.S. Department of Justice that affects homeowners and their lenders.

San Diego County made headlines when three operators of a mortgage loan modification scam pleaded guilty to a multi-year scheme that bilked $1.6 million from 200 dis-tressed homeowners.

Mortgage fraud takes many forms and evolves every year. Lend-ers (and conversely the U.S gov-ernment and taxpayers that insure the mortgage loans) are often the victim of complex, multi-party frauds. Others fraudsters aim to scam homeowners seeking assis-tance in loan modification or short-sale of their property.

We’ll use the following homeown-er’s experience as a primer to help friends and family spot a short-sale scam before it claims another victim.

Bob and Stacy currently live in San Marcos and, like many in San Diego County, were experiencing unexpected financial hardship.

They wanted to stay in their home

(their first, purchased about 7 years ago), but were unable to refinance into a lower, manageable payment due to lower neighborhood sales.

Bob and Stacy decided that their only option was to sell the home short, as they owe more than the home is worth.

They were contacted by a man that claimed that he could help with their short-sale, but more impor-tantly, keep them in their home at a reduced rent. For $3,000, this per-son’s company would guarantee the short-sale and keep them in their home. To Bob and Stacy it was too good to be true. It was.

Warning Sign #1: Charging upfront fees for mortgage assistance.

Bob and Stacy did not know that it is illegal for consultants to charge up-front fees before a successful short-sale or loan modification. What really made them take notice was after several months passed and a foreclosure sale was set for their home, the company contacted them again and asked for $20,000, to delay the foreclosure.

Warning Sign #2: Suggesting you can lease back your house and then buy it back.

Bob and Stacy were told it was perfectly legitimate to short-sale your home and lease back the prop-erty. What Bob and Stacy were not told is that most lenders require the owner sign an arms-length affida-vit that disallows renting or leasing back the property. The affidavit also prohibits selling the property to a relative. All in an attempt to elimi-nate fraud and collusion between related parties.

Warning Sign #3: Unable to find the home listed openly for-sale.

When the lender posted a foreclosure sale notice on his front door, Bob called the com-pany to see why there were not any showings or offers on his property after several months. Blaming a slow market, the company told the owner to hold tight.

Bob won-dered if the marketing or pictures may be keeping people

from showing the home. After hours of searching online, Bob was unable to find any marketing for the home.

Even though the property is worth less than what Bob paid for it, his lender will want to receive full market value to approve a short-sale.

Bob’s property was listed for sale, but a full month after the start of the short-sale and on a different county’s multiple listing service only, not San Diego’s Sandicor MLS. Also, the property did not include data reci-procity to third-party Internet sites like Realtor.com or Zillow.

This would ensure no local bro-kers would know about the home and thus, no competing offers could be placed on the property.

Warning sign #4: Asking for power of attorney or offering to fill paperwork out for you.

Bob was worried about the loom-ing foreclosure and no offers, so he contacted the bank directly, against the advice of this company. (Another red flag). He was told by the bank representative that there was already an offer submitted, with his sig-natures, for approval. He had not signed any offer.

Warning sign #5: Suggesting a sub-market value on the home to a predetermined buyer.

He asked what the offer was at: $320,000. Bob and Stacy remem-bered that during their initial phone consultation the broker discussed putting in an offer to “get the pro-cess started.”

Bob and Stacy know that similar homes in the neighborhood were sell-ing in the mid $400s, but was told this was normal practice and is fine should the bank “approve” the price.

After talking with the bank and finding out this is not common prac-tice and nor would the bank approve such a lower-than-market price. The bank’s intention was to foreclose.

Bob let their lender know, reported the fraud to the appropri-ate parties and found a reputable short-sale professional to help them.

Lund can be contacted at Tyson@Lundteam.com.

M E M B E R M A R K E T P L AC E

CONTACT JULIE MIRAMONTES DIRECTOR OF SALES/MARKETING

760.931.8400

julie@carlsbad.org

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© 2012 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: NV, OR. Licensed by: AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996. NMLS: 228573

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Short-sale scammers beware!

5 Tips to Avoid Being Scammed

1. Do not pay up-front fees of any kind to a foreclosure consultant. It is illegal to col-lect money before services are rendered.

2. Communicate with your lender. Do not ignore letters or calls from your lender or loan servicer. Responding is impor-tant in saving your house.

3. Do not transfer title or sell your house to a “foreclosure rescuer.” Beware! This is a scam to convince homeowners they can stay in the home as rent-ers and buy their home back later. It might also be part of a fraudulent bankruptcy filing. Either way, a scammer can then evict the victim and take the home.

4. Do not pay your mortgage payments to anyone other than your lender or loan servicer. Ille-gal operations often keep the money for themselves.

5. Never sign any documents without reading them first. Many homeowners think that they are signing documents for a loan modification or for a new loan to pay off the mort-gage they are behind on. Later, they discover that they actually transferred ownership of their home to someone who is now trying to evict them.

Know about a mortgage scam: file a complaint at oag.ca.gov

Source: State of California Department of Justice

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Carlsbad company brings Beatles to Scrabble

Carlsbad-based USAOPOLY, a leading game manu-facturer in the specialty market offering the world’s best-known games (under license from the Entertain-ment & Licensing Division of Hasbro) that it’s releasing the SCRABBLE Beatles Edition this fall, a game that’s sure to please fans of the Fab Four who also love the popular spelling game.

Made by USAOPOLY with a license from Hasbro and Apple Corps Ltd. (and a deal brokered by Live Nation Merchandise) the game follows the design of the Beatles’ Anthology release, and features black letter tiles, a themed bag and specialized gray racks.

In addition to playing in the traditional way, the game will also offered a Beatles-themed experience, with an alternative game that allows them to spell Beatles-related words on the board. This alternative way to play is supported by separate HELP! cards that impact scoring and change both how the game is played and its strategy.

The board game will be out this fall at specialty retailers, including Barnes and Noble and Amazon. The approximate retail price is $29.95.

Carlsbad man wins Golf Academy scholarship

The Golf Academy of America has announced that it has selected a Carlsbad resident as the recipient of its “Future With Impact” scholar-ship program, giving him full tuition, books, greens fees and lessons for the two-year pro-fessional golf college, which had a campus in Carlsbad.

Sean Wickstrom is a first-semester student at Golf Academy of America’s Carlsbad campus. His essay was chosen as the best of dozens submitted over the course of the summer for consideration.

“Everyone who read Sean’s essay was impressed by the ideas he has for encourag-ing growth of the game of golf through family involvement,” said Todd Sones, a teacher at the school, named one of Golf Magazine Top 100 teachers.

When he was young, Sean Wickstrom dreamed of playing college baseball. An abrupt, violent seizure during practice robbed him of that opportunity. But after picking himself up and setting his sights on his other favorite sport, Wickstrom is now positioned to create a lasting impact on the game of golf.

Wickstrom, who has a background in the hospitality industry, expounds in his winning essay on the satisfaction he has derived from coordinating family-oriented hotel activities for guests and he applies the same zeal for family unity to the golf realm, where he hopes to become an agent of growth in the game.

One of Wickstrom’s innovative ideas is to build family golf centers with smaller-scale courses that focus on the enjoyment of begin-ners, which would also include on-site dining and other recreational facilities “to keep the whole family entertained.”

The scholarship Wickstrom wins, valued at $34,000, includes tuition for the 16-month program, textbooks, greens fees and lessons.

Jazzercise launches new appCarlsbad-based Jazzercise has launched a new, free

mobile app for iPhone and Android phones that allows Jazzercise enthusiasts anywhere find updated class sched-ules. add classes to their calendars, check in via social media sites and much more, all from the palm of their hands.

The app can either search by ZIP code or use a user’s current location to find the closest Jazzercise facilities.

The app also allows those who download it to search classes by their favorite instructor or by the call format, view facility hours and contact information and receive promotions.

“We are thrilled to offer this convenient feature to our customers, franchisees and prospective customers,” said Jazzercise Founder & CEO Judi Sheppard Missett. “Our mobile users can now stay connected to their favorite Jazzercise instructors and locations or use this app to find a class when they travel.”

The app is available now in the App Store and on Google Play under “health and fitness.”

NO RECORD, BUT LOTS OF FANGS

LEGOLAND California came up short in its attempt to break a Guinness World Record fro more people dressed as vampires in one location at the same time, but that doesn’t mean that the more than 700 people who participated didn’t have a lot of fun donning capes, vests and bow ties. The record, set last year, is 1,039. Those who attempted to break the record received a return ticket to the theme park and took part in LEGOLAND’s Brick-or-Treat celebration, including tap dancing skeletons, a fortune teller and musical acts. The group photo was taken in front of a 10-foot-tall model of Lord Vampyre created out of 150,000 LEGO bricks that guests built the previous weekend.

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