Gold River Community Newspaper

Volume 7, Issue 11 November, 2008

In addition to our printed Gold River Community Newspaper we are now extending an enewspaper to people that would like to receive it through email. We’ve had many requests for the newspaper outside our mailing area.

Part of our initiative to reduce paper use, promote a greener world, and share our content to an expanded audience, we have decided to produce our enewspaper, in an internet-only version.

If you are receiving the paper version, you may want to receive the enewspaper also.

Please email [email protected] for the FREE monthly enewspaper.

If you have any questions about this initiative, please contact us by email at [email protected].

Please remember to support the advertisers in this newspaper.

September’s Regional Clean Energy Showcase at CSUS, Union BallroomSARTA’S CleanStart initiative and Sacramento State partnered together for the Second Annual Clean Energy Showcase-Venture Expo to feature

Sacramento area talent specializing in the design and manufacture of clean technology, devices and equipment. The program provided an inside look at the latest advancements in clean technology innovations. Photos by Tia Gemmell

SARTASacramento Area Regional Technology Alliance

Gary Simon, Co-Chairman, CleanStart; Perrin Clark, Program manager, SARTAKevin Johnson, Sacramento Mayor Candidate and School AdministratorJacob Jorgensen, Velocity Venture Capital General Partner (Gold River resident)Kristine Mazzei, Managing Partner, Valley Vision, Jack Crawford, Jr., Velocity Venture Founder and general partner

Paul Misso, CEO Marquiss Wind PowerToby Oxholm III, Drexel University Executive Vice President and Chief of StaffLeonard Devanna, President and CEO, Jadoo Power System, IncRobert Schuetzle, Pacific Renewable Energy Institute International

Paul Galindo- Go Green ConsultantsIngrid Rosen-Executive Director SARTAS’s CleanStart and McClellan Technology Incubators.Manny Fernandez-OBS NEWS, Associate Editor

Geoff Lambert, Metronet6, Chairman and Gold River ResidentIngrid Rosen, SARTA, Executive DirectorGary Stalick, Owner Gold River Community Newspapers

Steve Westly, Keynote, wows the crowd at the Showcase Managing Partner, The Westly Group

This Community Newspaper is going

“GREEN” also

– Community Newspaper –November 2008

Published Monthly

11564 Big Four WayGold River, CA 95670

(916) 224-6624 • Fax (916) 244-7166

Email: [email protected]

Member: Gold Unit-California Newspaper Publishers Association

Publisher/Owner: BWC Media

Pet Tails: Kay Burton

Food Column: MOM

Real Estate Q & A Column: Gary Stalick

Home Based Entrerpreneurs Column:La Ronda Bowen

Events Photographer: Tia Gemmell

Columnist: NORCALREIA, David Granzella

Teen Column: Morgan Lambert

Typsetting: Steve Atkins

Kat Makes Cleaning: Katharine Marie

Production & PrintingHerald Printing CompanySacramento, CA 95828

Postmaster send address change to:11564 Big Four Way, Gold River, CA 95670

Kay Burton is a longtime columnist and supporter of the SSPCA and other rescue groups. To share your family pet story with our readers, email: Kayburton1@

comcast.net

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Mr. SchultzThe Little Wanderer!

My name is Schultzie; I am registered in the American Kennel Club as Mr. Schultz Esq. of Gold River. My adopted mom and dad, Jackie and Stan Mendel of Gold River, call me Schultzie. Sometimes, when I am not paying attention, I am called Schultz, and when I hear MR. SCHULTZ, I stand at attention, like a statue.

I am a Miniature Schnauzer, age 4 years and I weigh about 15 lbs. My coat is silver/white, many people have said I have a beautiful coat and that I am a very mellow guy. I guess I take after my birth Mom and Dad who were both Show Dogs.

Recently, I scared my Mom and Dad without meaning to. They had taken off my collar with all of the pertinent information, because they thought I would never have the opportunity or desire to wander away. Well I showed them!

The back gate was open; my Dad was working with the pool equipment, so I went out to check on him and kept smelling all of the fun smells. I followed the route my Dad takes when we go for walks. I didn’t know I was LOST until this very nice lady stopped her car asked me if I was lost. Since I really couldn’t answer her she picked me up and put me in her car. Her name is Shirley Bowles, a Gold River resident (I now call her Aunt Shirley, my Guardian Angel.) While in the car looking for help there was my Mom walking on Gold Country Blvd looking for me. Shirley asked her if “she was looking for a lost dog?” Mom was crying as she ran to the car, she said her prayers had been answered. Dad was busy driving throughout the area trying to find me. I didn’t mean to hurt them, I just followed my nose. I am thankful to be home.

The Schnauzer is of German origin, dated back to the 15th century. The Miniature Schnauzer is derived from the Standard Schnauzer and is said to have come from mixing of Affenpinschers and Poodles with small Standards.

The Miniature Schnauzer is viewed primarily as a charming and attractive companion that is seldom interested in wandering… Schultzie begs to differ.

Mr. Schultz

– Community Newspaper – November 2008

Toast to Tuscany Celebrates Grand Opening

of Buonarroti RistoranteWhen: Thursday, November 6

Time: 6:00 pm – 8:30 pm Cost: $40 pre-sale, $45 at door

Where: Buonarroti Ristorante at The Collection at Town & Country Village, Fulton & Marconi, Sacramento. All proceeds benefiting the

Children’s Receiving Home of Sacramento. For Information and to purchase tickets: (916) 482-2370 ext 333

www.crhkids.org/townandcountry


Business Community

Your Business

La Ronda Bowen...writer and consultant, 20 years in business, management, and public policy. You can book her to speak at your next

event. Send your questions to: [email protected].

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Offer good with this ad only. Limit one per person. Limit one free personal training session per guest. First time guests and local residents only. Must use same club for entire term. Days must be used consecutively, and between the hours of 8 a.m. and 9 p.m. only. No other discounts with this offer. Must be at least 18 years old (19 in NE) or 12 with parent. Incentives offered for other memberships. Additional Personal Training and Kids’ Club available for an additional fee. Facilities and amenities vary. Not all clubs open 24 hours. Participating locations only. Not for re-sale. No cash value. Offer valid only for non-members at all Sacramento locations. Offer may expire without prior notice. See club for complete details. ©2008 24 Hour Fitness USA, Inc. Source Code: Guest Pass

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Home Based Entrepreneurs

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public and private enterprises.

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Pump Up ProductivityBe Persistent and Work Hard

Want to grind out strong earnings over the long haul? Make boosting productivity Job One, says strategy consultant Bill Birnbaum. A key to higher yield is constant measurement, he says in “Strategic Thinking.” Measure everything from sales per employee to the percentage of revenue from core customers vs. new accounts. To boost output, consider these tips:

Transfer labor to the buyer. Birnbaum points out that prior to supermarkets, mom-and-pop Operations did much of the work for customers, helping them find items and reducing their need to think. Supermarkets transferred much of the labor to buyers, becoming essentially self-service operations. Self-serve gas stations did the same thing. So did banks, using technology from ATMs to Web sites. The more you transfer labor to customers—selling the move in terms of customer freedom or reduced cost—the more in-house time you free up for other projects. To transfer labor, use tech to the max. Airlines offer reduced fares to those who buy tickets online. Businesses across the board are offering more online services free. The payoff? They boost productivity by redirecting employee workloads. Maximize your automated systems, Web site and other technologies to minimize wasted employee effort. Cut the dead weight. Almost every business is impeded, to some degree, by a lack of focus, Birnbaum says. Examples: “Too many products or services, some of which aren’t earning a profit. Or too many product options adding both complexity and inefficiency,” he said. “Also, many companies serve a number of ‘wrong’ customers,” some of whom eat into profits, he said. “Companies overly driven by volume don’t stop to analyze whether particular customers are really contributing to bottom-line profit.” His advice: Regularly audit your customer base. Build worker enthusiasm. “No matter what your strategy for productivity improvement, you’ll do a far better job of implementing it if your employees work enthusiastically,” he said. Often, workers want to make a difference, but they’re not given enough guidance. Larry Potter, division manager of Hewlett-Packard’s manufacturing systems division, once said to his management team, “Our employees are ready to be passionate. It’s up to us to tell them what to be passionate about.” He and the team came up with a series of challenging goals. Do it differently. “Do what you’ve always done, and you’ll get what you’ve always gotten,” Birnbaum said,” A sudden improvement from low single-digit to double digit growth (almost always) comes from doing something different.” Look to the future. When devising strategy, have your leadership team complete this sentence on a flip chart or whiteboard, he advised: “For us to continue to be successful, in the face of industry trends and rivals, we need to______.” Have team members list key objectives, and then boil down the similarities and differences into three final goals. By Cord Cooper

Government Contracting

By: La Ronda Bowen

Q. Should I try to get government contracts?

R. Government contracting usually requires long “up front” time. Most first-time contractors must go through a paperwork qualification process with the California Department of General Services (DGS). Additionally, agencies require a formal bid, which is your written response to their request for qualifications, quotes or proposals. The larger the agency, the more difficult it is to win an initial contract. Nevertheless, government is the largest single purchaser of equipment, services, and supplies in the country, so if you are wiling to do the legwork, have patience, and are persistent, it can be worthwhile. Government contracting is the backbone of many small businesses.

In California, your first step is to visit the DGS web site. Download a Small Business Certification Application. Look for information on when and where procurement events are planned. Attend. Buyers will explain the procurement process. If you are still interested, go for it.

Check these links for information and bid opportunities:Department of General Services: http://www.dgs.ca.gov (small businesses are eligible for prompt payment of state contracts).County of Sacramento Contracting and procurement services: http://www.saccountybids.comSacramento Municipal Utility District: http://www.smud.org (Do Business With SMUD).Federal Business Opportunities: http://www.fbo.gov This column is for you. We welcome your questions and comments. Send to: http://[email protected]

Legal Ease by Michael L. Hanks

Courts Enforce Legal Contracts According to Their Terms.

A lawyer’s starting point for any analysis of a contractual dispute or issue is always the contract itself. Too often I talk with clients who think that if required to decide a contractual dispute, a court is free to ignore the contract terms and apply some vague “fairness” analysis to decide the issue. Not true. Only rarely will a court venture outside the express terms of a written agreement to achieve a “fair” result. While this may sound cold, it is in fact the central doctrine that allows a private enterprise market economy to operate. Persons making financial commitments in reliance on another’s promise have to be able to rely on and enforce contracts in court. Otherwise, commerce would soon become chaos. Indeed, such enforceability of contracts distinguishes advanced economies from third world economies and is one of the linchpins for mankind’s advancement. Next time you sign an agreement, expect the court to hold the parties to their word. By Michael L. Hanks

Michael Hanks has practiced business, real estate, estate

planning law, and managing clients legal problems with great trust since 1975. He welcomes inquiries from

readers. [email protected]

Gold River, CA (916) 635-0302

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TiroGage replaces pencil gage

Many people are saddened by the closing of The Blockbuster video rental store located in the Gold River Town Centre, but many dark clouds have a silver lining, and in this particular case that silver lining goes by the name of Jack’s Urban Eats. Gold River is the newest location for the hip and up beat restaurant.

Jack’s Urban Eats. Jack’s has delicious food and fairly good prices. It will be a welcomed addition to the healthy lifestyle many gold river residents enjoy. The diversity of the menu at Jack’s will satisfy the taste buds of many. Whether it is the yummy food, or the efficiency of the friendly service it is all about you at Jack’s.

In a hop, skip and a jump I was on my way over to the Jack’s located in Folsom. And, boy was I in for a treat. The minute I walked into the door I was

mind-blown by the cozy and comforting atmosphere. I was welcomed with a hospitable smile and a warm greeting. I looked at the paper menu which was a fun warm yellow color that made me smile. I decided on having the macaroni and cheese because I am still a kid at heart. I also had a side order of crisp and golden French fries. Overall my experience at Jack’s was wonderful and enlightening. I am anticipating the day Jack’s will have its grand opening at Gold River.

Simple Pleasures

Sacramento, Ca September 2008 – Following in the footsteps of jazz greats from Louis Armstrong to Herbie Hancock, the Rio Americano High School Big Band performed to an enthusiastic audience at the 51st Annual Monterey Jazz Festival, September 19 – 21, 2008. Held every September on the Monterey Fairgrounds site where the Festival was first presented in 1958, the Monterey Jazz Festival is the longest running jazz festival in the world and features the top names in jazz performing on nine stages. “It is a prestigious performance venue for any jazz group,” says Rio Americano Band Director Josh Murray. A strong second place finish in the highly competitive Next Generation Festival this past April earned the Rio band a coveted spot at the 51st Annual Monterey Festival. The Rio Americano band program, under the combined direction of Josh Murray and Max Kiesner, provides high quality music education to over 180 students in four levels of concert band and three jazz ensembles. You can enjoy a fun filled evening of

musical entertainment and support this outstanding program by attending the 28th annual Rio Americano Playathon on Friday November 7, 2008. The Playathon is a musical marathon featuring 17 hours of non-stop music. This amazing event includes performances by all of Rio’s award winning jazz and concert bands as well as combos and soloists from the Small Ensemble program. Band students from local middle and elementary schools are invited to attend from 3:30 – 5:45 pm to play along with the Rio Band and enjoy carnival games and refreshments. The community is invited to attend the evening concerts scheduled from 6:00 pm to 9:00 pm. All events take place on the Rio Americano campus located at 4540 American River Drive. The event is free of charge, but tax deductible donations are greatly appreciated. Money raised at the Playathon is used to support Rio’s outstanding band program. For additional information about the Rio Band program contact Josh Murray at 971-7512, [email protected], or visit www.rioband.org.

Rio Americano High School Band on the Move

Photo is courtesy of Leslie Barger. Pictured from left to right are: Top Row – Elliott Bartlett, Zachary Darf, Zachary Giberson, Kai Ambrose, Levi Saelua, Aneil Dhillon, and Band Director Josh Murray. Back row: Harris Levin David Nevarez, Scott Buchanan.

Student at Rio Americano High School, Gold River

Resident. Send any responses to [email protected]

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Morgan Lambert

Teen Column

Investment Real Estate Group

David Granzella is a sophisticated real estate

investor that continues to share his education and

experience. David can be reached at 916.791.8322

www.NORCALREIA.com

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David Granzella

Buying Investment Property

Next meeting: 3rd Thursday November 20th Guest Presenter: Dave Wilson – Successful Real Estate Investor

and Real Estate Educator. Wondering when and where to make money in real

estate? It is our own back yard in Sacramento. Learn how YOU can buy, hold and flip properties with your own

money and credit, or with partners. There are lots of good loans out there that people are willing to walk away from. Find out how you can solve their problems. Don’t miss our

next meeting! Dave has been a successful investor since 1973 when

he pursued his first venture into owning rental real estate. Dave has learned how to profit in the down cycles as

these are times to acquire rentals. Dave was a full time realtor and investor 1977-1982, at which time the market

went (real far) south. Dave has been through “the good, the bad and the

“UGLY”. He prefers the good! However, the bad and/or the ugly (which we are now going to experience for several years) are the time to acquire the best inventory of rentals. This period will last at least 3-5 more years

and even longer if the government helps out. Dave is an advocate of using Roth IRA’S and other

pension plans to grow his wealth, often tax free! He prefers tax free investing.

Where: Holiday Inn, 5321 Date Ave. Sac. CA (off I-80 at Madison Ave.)When: November 20, 2008 (3rd Thursday Monthly)Time: 6pm to 7pm Networking, 7pm to 9:30pm MeetingCost: $20 at the door or $170 annually…Contact: David Granzella (916) 791-8322

Guest Presenter Dave Wilson

By Morgan Lambert


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Don’t Count On Oral Promise

QUESTION: I am about to purchase a home. The builder promised that everything wrong will be taken care of and that a handshake will save a lot of paperwork. Should I trust him? ANSWER: Many a business agreement has

been made with a handshake and enforced by the courts. But when it comes to the never-never world of real estate, you cannot and should not rely on oral promises. In fact, the law in all states specifically requires that all agreements and conditions relative to the sale of real estate specifically be in writing to be enforceable. The way to put teeth into oral promises is to insist that every thing significant be put in writing.

{Just a side note: In 1979 I worked with a small builder that was purchasing a couple of lots through me from my dad. Part of the deal was that I’d be listing the homes to sell. He (the builder) wouldn’t put that in writing. He seemed like a very straight up guy. Our family had already had one transaction with him. So we had some background. We looked each other in the eye shook hands on the listing of the newly built homes when complete. He came through on his word, when the homes were completed we listed and sold both of them. As nice as it is to shake hand and know people will come through on their promise things could happen. There are many extenuating circumstances out of control by either party. My dad always shared with me. He said it’s smart to put agreements in writing. BECAUSE: People forget. One person might have thought something was agreed upon and the other person thought something different. Should one of the parties to the agreement due to a car accident or some other unfortunate event, die, there’s less likely hood of a law suit by the heirs that weren’t present at the handshaking. It’s just good business to put things in writing.}

Handshakes don’t count in real estate. Put it in writing.


Events By Tia Political & Event PhotographerTia Gemmell 920-2903

I am a Candidate for the Cordova Recreation and Park District (CRPD) Board of Directors.. After spending 2 ½ years attending public meetings of the Board, it became evident that the District is very complicated. It is made up of diverse communities. It is important to ask each community to determine its list of needs, regarding Recreation program and Park projects.

I will spearhead two task force teams to determine the needs of the CRPD regarding (1) recreation modernization programs, and (2) specific park needs and renovation improvement projects. I will take the consolidated new programs and projects to the Board for action, after meetings with community spokespersons to agree on a prioritization of programs and projects. I am retired; I have the time and energy to devote to this process. I will personally meet with each group and community to ensure that all of its needs are properly addressed.

The District cannot afford to continue going down the path of old and stagnant recreation programs and making false promises to communities regarding park renovations. There must be a financial analysis to determine costs associated with the new goals, priorities set and plans put in place to guide the Board in the budgeting and decision making process.

The situation that the District finds itself in now is a direct result of poor leadership and planning by the Board and Administration, during the past 10 or more years. The Board lacked the vision to carry out what the future of the District would be and took the easy road of just day-to-day planning. We are now paying the price for this lack of vision.

I have the management skills and leadership to make this all happen. Please support me to assure that your recreation programs and parks are the best. I promise! David Ivazian

In 1996, the Gold River community welcomed a much needed credit union for its residents and business employees. Since that time, the credit union has become friend and family to many who have found what a help a credit union can be. Whether it’s the use of their free ATM, opening a checking account, raising a credit line on your Visa card, or being able to use your direct deposit even before your funds are received, you can do it fast and with a personal atmosphere. Another benefit to the community occurred in 2004 when the Gold River credit union connected with many other credit unions nationwide to provide service to their members. That means whatever credit union you are with, you most likely can use this credit union to access your other account. Call them at 638-8238 to find out if your credit union is part of their shared branch connection. Or, you may want to stop by and become one of the many business professionals and residents who have found what a convenience it is to bank right here where you live or work. We hope that you too will say, as many of us have,

“What took me so long? This is now my credit union.” It’s hard to see from BelAir, but it’s just across the parking lot next to Applebee’s. We have changed both our business and personal banking needs to Big Valley Credit Union in Gold River and we are pleased to have done so. We are enjoying the convenient location, the friendly and helpful staff, and the security we experience.

Kay Burton,Gold River Resident

David Ivazian Wants to Help

David Ivazian

Did You Know The Gold River Credit Union Gives You Access To Your Direct Deposit Even

Before They Receive The Money?

Kay Burton

KVIE Art Auction Preview PartySeptember 22, 2008KVIE Preview Party unveiled this year’s collection for the KVIE Art Auction. During this special event guests met inspiring local artists, enjoyed fine wines from the Amador Vintners Association, sampled hors d’ oeuvres and desserts from premier restaurants.

Kevin Smith-Fagan, Kvie, Vice President Of Developement

Gary Little, St. George Hotel, Volcano California

Best Of Show Artist, Sinh, One Of The Jurors, Elizabeth Rohlfes, Curator For The Roseville

Arts.

Walter And Gloria Burt Kvie President And General Manager, David Lowe

Jim Finnerty, Evie Turner Kvie StaffChar Hall, Cy Wylie

Kayte Christensen andStephanie Cumberland

Rosalind RojasAkiba Howard


Events By Tia Continued Political & Event PhotographerTia Gemmell 920-2903

John Crisan-Gold River, Kimberly Smith Parson, Bill Kinsey-Gold RiverMarolyn Crisan-Gold River

Tom Gagan, Ceo Sutter Hopital With Wife Pat, Dining The Same Night At Buonarroti Restaurant. Gold River Residents.

Buonarroti Ristorante Media NightTown and Country Center, October 17, 2008

Executive Chief and co-owner, Daniel Alcantaro, prepares one of his masterpiece entrees for Media Night at Buonarroti Ristorante. Serving lunch

and dinner, Buomarroti Ristorante is located in Town & Country Village, Marconi & Fulton Avenue (behind William Glen).

Gold River Residents enjoying the Niello

Concours d ‘elegance, Oct.6, 2008,

El Dorado Hills.

As a business owner you have gone through the process of selecting a name one or more times by now. Coming up with your business name was the beginning of an exciting experience. You first had to go through the process of deciding the name, and then you have to head to the county office as a sole proprietor to check it against other fictitious business names or to the secretary of state for your corporation names. You have to be sure you were not stepping on any toes and find out you could not use the name. The same process is true with your domain name or your website name. A few things to consider when selecting and using your name:1. Keep it simple and relevant. Don’t be too cute or fancy. Be as short as possible without loosing meaning. The more descriptive the better. It is easy to remember when it is talking about what you are doing with the name. The more words, characters, and difficult is the name, the less value it has.2. Check to make sure your chosen name is available and registered properly for you before you start publicizing it. Be careful sometimes when a name appears to be available, it may be for sale by the

owner.3. If you come up with a really unique or creative name that is still available, don’t just register it as .com pay the extra fee to get the .net, .org and .info levels of registration. It additional to give you more links and possible exposure, it also prevents a copy cat creating a similar domain name to rob off of your success. You can point all those names to the same website.4. Register a domain name for every major project you are working on, even if it is completely part of your current business or website. You can point as many domain names to the same website. Have you notice how most movies have their own domain name? The production house could have you their main domain name but they don’t. Beside, your project could become so big that one day you may want to branch it out and you will already own the domain name.

Just like when you first came up with your business name, the right domain name is one more thing you can be very proud of. Take the time to come up with the right name for you, register it properly and then promote it with everything you have.

What’s in Your Name?By Edwin Edebiri

Four local Gold River residents are involved with a global initiative to reduce the world’s energy bill by 25%. George Usi, Congressman Dan Lungren, Gary Stalick, and Geof Lambert are all involved with the Green Protocol Working Group which was formed in July of this year. The group is focused on saving energy by using the New Internet which is becoming available throughout the world over the next 10 years. It is based on a technology known as IPv6. This new technology will allow almost an infinite number of objects to be connected to the Internet network. The Internet we use today is limited to 4.3 billion IP addresses.

Using new sensor technologies connected to the New Internet the consumption of power will be much more visible, and its use will easily be able to be viewed and controlled by going to websites. People will be able to quickly and easily for the first time see where every kilowatt of energy is going.

Representatives associated with governments and non-governmental organizations from around the world like the U.S. Federal Government, China, United Nations, and the State of

California have joined the group.“Is it possible that the world

could save approximately $2.5 trillion dollars annually by consuming less power thanks to the intelligent use of networked sensors and other emerging New Internet technologies?” Geof Lambert, Chair, Green Protocol Working Group asks, “If you look at the fact that global consumption of power is equal to approximately 500 quadrillion BTU’s of energy, I think it is possible, and I believe the money saved could be better used on various humanitarian, greater good projects around the world such as getting the internet in the hands of everybody, not just the fortunate few 15% who have it now.”

The group, headquartered in Gold River, has identified five high profile buildings, three in San Francisco, California, one in Geneva, Switzerland, and one in Sacramento, California that it will use to apply emerging New Internet technologies and use as test control buildings to demonstrate the potential savings in power consumption and other resources. More information on the group can be found on the Facebook group: Protocol WG

Local Residents Work to Save Energy Around the Globe

Business Community–Technology & Internet


The company’s that were successful were company’s that advertised.Proctor and Gamble kept advertising, and even increased their advertising. They grew successfully throughout the great depression. The auto industry stopped advertising for 3 years and their business dropped significantly. When they started advertising again, business grew.

People need to know you’re still in business. We all live very busy lives and don’t remember every company we’ve purchased from. We don’t know if we need something unless you expose the information in advertising. This newspaper and enewspaper is here to help businesses and consumers. Call (916) 224-6624 to advertise your business. Email: [email protected]

Great Depression Research and Business

Many of us have seen our stocks plummet in value. Money we’ve counted on isn’t there. I started going to seminars on alternatives to the stock market for my retirement money. Did you know you can buy real estate through your retirement account? I went to two educational seminars in the last 6 months, on self directed Roth IRA’s, and Solo Roth 401(k). It’s amazing what you can do with your money if you have the right knowledge. Depending on a stock broker doesn’t always work. I’m recommending a workshop that’s coming up on November 8, 2008. It’s going to be held at a location where real estate investors meet regularly to learn how to find good buys on property. There are two very smart people that are speaking and sharing their knowledge: Hal Beswick: For over 20 years Hal has been involved with Real Estate, Tax Law, software solutions for tax code and loan servicing for seller financed loans. Hal is a 1031 specialist, a pension specialist in regards to self-directed IRA’s and 401(k)’s, a seasoned real estate investor, educator, mentor, the founder of Waterford 1031 Exchange Services, LLC, Waterford Financial Group, LLC, and NoteServe loan servicing software. Hal has provided numerous classes and presentations on tax code, tax software, tax strategies, 1031 exchanges and Self Directed IRA’s to accountants, tax preparers, tax attorneys, real estate

investors, brokers, agents and various financial institutions. Tim Berry: A nationally known expert on what you can and can’t do with retirement plan assets. Tim has a BA in Economics from Fresno State, JD from Seattle University. He was selected “Outstanding Graduating Student” by his College’s Economics faculty. Formerly licensed as a commodities and stock broker, he has appeared in articles in Morningstar, Personal Real Estate Investor and other journals. Mr. Berry has been invited to provide continuing education to thousands of professionals, including The Arizona Society of CPAs, Arizona Society of EAs, and was selected as “The Best” of the annual “Summit” for the Financial Planners Association. Although I’m not sure I’ll be able to make this date I recommend going to this work shop. It’s worth the time to see how you can take care of your money. I asked that they not charge any of my readers. So you can get one of my business cards with Gold River Community Newspaper and attend Free. Even though the cost is only $50 I’m trying to help you save money. Date: November 8, 2008, Time: 9 am to 4 pm, Cost $50 (Free with Gold River Community Newspaper Business Card call 224-6624), Location: 2840 auburn Blvd., Sacramento, 95821. For more information on this workshop you can call (916) 203-9459 or (916) 718-1898 You can visit their website: www.waterfordfinancialgroup.net.

Has the Stock Market Hurt Your Retirement

Account, Too?


Help WantedAdvertising sales promoter for this newspaper--great PR posi-tion. Pay is high percentage commission. Call 638-6737.

Real Estate for Sale

Rancho Cordova, Condo 11150 Trinity River Drive #1, 2 bdrms, 2 bths, 1006 sq ft, first floor. Totally remodeled. Every room. Better than any house you may see. You must see the quality of work. He changed the electrical, plumbing, floors, fixtures, lighting. It’s like moving into a brand new home. Close to the freeway, and great shopping. Public transportation at entry to condo complex. $219,950 PRO Real Estate, call 638-0277.

Rancho Cordova, 3 bedroom, 2 bath, Corner Home with newer roof. Room for RV parking. Painted April 2007. Ga-rage painted also. Newer carpet, newer hot water tank, Big master bedroom, newer tile floor in master bath. Mirrored closet doors. Ceiling fans with lights in four rooms. Four fruit trees: peach, navel orange, cherry, pear. 2 birch trees. Storage shed at the side yard. Newer back yard fence. 11216 Bold River Ct. Sunriver $329,000. Call Gary 638-0277.

Gold River, 2343 Pez Gallo Place, 3 bdrms, 2 bths, 1527 sq ft, on culdesac. Well taken care of. Storage in back. It’s a short sale and any offer must be approved by the lender. Near shopping, and freeway. Quiet neighborhood. $285,000 Short Sale. PRO Real Estate, call 638-0277

Gold River Marshall Village, 3 bdm, 2ba, one level, fresh paint, newer roof, on cul-de-sac.11274 Serpentine Court. $399,500--Call Gary to see at 638-0277

Gold River Spacious 2030 sq foot single level 4 BR/2 BA home with open floor plan located in a secure cul-de-sac. Features a stone fireplace in living room, an additional room off the kitchen, lots of cupboard space for storage and a nicely landscaped back-yard with 3 fruit trees and an out building. 11486 Green Bluffs Court, Gold Spike Village $399,950 Call 638-0277

Income OpportunityBusiness Opportunity Start your own business at home buy a carpet cleaning truck that made me $10,000 to $15,000 a month. Easy to get started. $4,900. call 224-6624

Make a high Commission doing Public Relations Marketing call 638-6737

ServicesMOBILE HOME WANTED CASH BUYER Single 12’-14’ wide, loc in MHP, available in 30-60 days, in good condition.Call Dennis 916-567-1155.

We Can Buy Your HouseSave your credit, I’ll work with you and your lenders. Stop potential foreclosure. Call Gary now at 224-6624, If I’m not available please leave a message, or email Gary c/o [email protected]

WantedWanted Contractor or good handyman. call 224 6624

Rehabber to buy low cost fixer upper houses then repair and either keep or re-sell. Call Gary at 224-6624.

Looking for good webmaster to work with this newspaper. Call 638-6737

Want to buy house with great terms. 3 bedroom 2 bath one level in good to great location. NO commissions paid. Call 224-6624

House WantedI have a buyer for a 3 bedroom 2 bath single level home in excel-lent condition, and another buyer for a 3 bedroom 2 bath condo-minium, If you’re looking to sell your house call Gary 638-0277

Health & BeautyMASSAGE MAGIC For Body Mind and Spirit, unsurpassed massage techniques, to relax and re-energize, Call Inge CMT 638-3345

Services Wanted in Gold RiverWe need petsitters call this newspaper at 638-6737

We need good plumbers call this Community Newspaper at 638-6737

Passive Real Estate InvestmentsDo you want to know how you can use your IRA, or 401k, or Roth Self Directed IRA to get a 7% return secured as a 1st mortgage on a house. I know of one home you could have a 7% return with 1st mortgage security at about 50% of the houses value. The house has been owned by me for 30 years and the ten-ant has lived in the house for about 10 years. The houses value is approx. $310,000 to $319,000. If you’re interested in knowing more you can call Gary a Gold River resident since 1988 at 224-6624 (cell). If you’d be interested in a different home or a lower dollar amount I could refer you to another Gold River resident that is a very strong real estate investor. You can call me, I’m Gary 224-6624 (cell).

Room to RentGold River home, room available for non smoker, clean person, good character, with integrity, bedrooms on 2nd floor $650 per month, 20 year resident/owner, Available October 638-3137.

Child Care Coming SoonCHILD CARE:COMING SOON, home child care, infant thru school age, bachelor in child development,10 yrs of experience, mother of two girls 9 and 19. cell (916)204-5257 home (916)942-9314

Classified Ads

Rancho Cordova, Condo 11150 Trinity River Drive #1, 2 bdrms, 2 bths, 1006 sq ft, first floor. Totally remodeled. Every room. Better than any house you may see. You must see the quality of work. He changed the electrical, plumbing, floors,

fixtures, lighting. It’s like moving into a brand new home. Close to the freeway, and great shopping. Public transportation at entry to condo complex. $219,950 PRO Real Estate, call 638-0277.

Sold

Sold Full Price

11486 Green Bluffs Ct., Gold River Sold $388,200 with $7,000 credit to buyer. Seller saved $11,587

through Gary Stalick, RE Broker

11274 Serpentine Court.

2343 Pez Gallo Place $285,000

Gary Stalick Real Estate Agent since 1976Broker since 1979

Gold River Resident since 1988

• Excellent Negotiator for you• Multiple listing by Realtor• Short Sale knowledge (how to buy or sell)• Foreclosure knowledge (possible solutions)• Discussing how each offer will affect YOU• Assist you in coordination of home inspector, pest inspector, engineers, appraisers, and other professionals• Straight talk on your property (THE TRUTH)• Manage your transaction until you get your money or you move in• Market Trends Knowledge• Call for a FREE Report 638-0277

Selling Your House$ave $11,000 to $19,000

in Commissions“You’ll find I’m easy to talk with and very approachable” Call 638-0277

(If I am in a meeting with you or other client I don’t answer my cell phone)

Full Service Professional Company:

Seller Saved

$11,587

Seller Saved

$11,124.25

Sold Full Price

Sold Seller Saved $9665

Free Consumer Classified Ads Via Email [email protected]

Small Fee for Business or Real Estate Classifieds

PRO Real Estate (916) 638-0277

Sold

Rancho Cordova, 3 bedroom, 2 bath, Corner Home with newer roof. Room for RV parking. Painted April 2007.

Garage painted also. Newer carpet, newer hot water tank, Big master bedroom, newer tile floor in master bath. Mirrored closet doors. Ceiling fans with lights in four rooms. Four fruit trees: peach, navel orange, cherry, pear. 2 birch trees. Storage shed

at the side yard. Newer back yard fence. 11216 Bold River Ct. Sunriver $329,000 Call Gary 638-0277.

Sold Seller Saved $9665


Outstanding service, selection, and convenience! You’ll love shopping at Gold River Town Centre. Anchored by Bel Air Market, GOLD RIVER TOWN CENTRE provides an inviting shopping atmosphere with lush landscaping, shade trees, and a fountain. Located in a magnificent river setting in historic Gold River, the popular center creates excitement for neighborhood shopping with the variety you want.

Applebee’sBank of AmericaBel Air MarketBellissima Nail SpaBig Valley Federal

Credit UnionBlockbuster VideoBrockway Hair DesignCasa RamosGeneral Nutrition

CenterGold River ReMaxGold River Shoe

Repair

635-1234851-6934858-0494635-6672638-8238

858-0551631-4311631-9690638-4838

638-1177635-3999

Hallmark Gold Crown Creations

Il Forno ClassicoJamba JuiceMi Bo’s Elegant JewelersOutback SteakhousePapa Murphy’s Take ‘N’

Bake PizzaPaul E. Cripe, D.D.S.Rite AidStarbucks CoffeeSwansons CleanersTrumpetteWells Fargo Bank

638-4906

858-0651858-8212852-7273635-3603853-7272

635-2100858-0491853-9728631-4116631-0555852-1033

Call for appointment...635-2100

Never a fee at our ATM machines

Located between Casa Ramos & Applebee’s

638-8238

Consumer LoansAutosBoatsStudent Loans

Home LoansMortgage LoansPools & Spas

Big Valley Services...

SavingsHigh-Yield SavingsVacation Clubs Checking Accounts

Convenient ServicesDiscounts to

DisneylandFree Travelers

Checks

• On site repairs• Custom jewelry design• Carry Omega watches and

other fine lines• Feature high-quality diamonds,

pearls and gemstones• Guaranteed best price and quality!

Jung Lee, Certified Gemologist852-7273

Serving Sacramento area since 1986

Hours: Tue. - Sat.10 am to 6 pm

Featuring...•Full-service destination

store•Occasion, celebration

& decorating ideas• Captivating displays• Imprinting• Shipping and mailing

services

Hallmark Creations has a new, contemporary look ñ itís larger and it features one-stop shopping.

638-4906

2180 Golden Centre Lane #10 (Formerly Mision Rogelio)631-9690

Holiday Banquets - Holiday gift cards ñ Party Platters to-go

MEXICAN RESTAURANTA family restaurant since 1997

OPEN 7 DAYS A WEEKLUNCH & DINNER

Great Margaritas!Sizzling Fajitas!

Buy 1 entrée & two drinks... receive 2nd entrée of equal or lesservalue at…1/2 PRICE

Dine in only, valid Mon-Thurs.Exp. 12-02-08

COUPON

Book your holiday event at Casa Ramos before

11/15/08 and

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Gold River Community Newspaper

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