Exclusively Serving the Blackhawk Community.
J A NUA RY 2 019
Blackhawk
LIVING
Meet the
Armfield family: From London to Blackhawk COVER PHOTO:
by Kim Lind Photography
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JANUARY 2019
We Are Now Online!!
Blackhawk
www.BlackhawkLivingCA.com
LIVING
Dear Neighbors,
Publication Team Publisher:
Happy New Year! That was fast. It seems like just yesterday we were barreling into the holiday season and now…another year is upon us. We hope 2019 is an incredible year for all our Blackhawk neighbors!
Jo Peek, Blackhawk Resident since 2014 Content Coordinator: Megan Scott Blackhawk Resident since 2010
Speaking of neighbors, this month we are introducing you to the Armfields. They left their life in the UK six years ago for an American adventure settling in Blackhawk.
Designer: Emily Lund Jo Peek
Contributing Photographer: Kim Lind Photography
This month’s community calendar is filled with fun ideas on how to kick off your new year in style.
Advertising Contact: Jo Peek Email: JPeek@bestversionmedia.com
On behalf of all of us on the Blackhawk Living Magazine team, we want to wish you and yours a very Happy New Year!
Feedback/Ideas/Submissions: Have feedback, ideas, or submissions? We are always happy to hear from you! Deadlines for submissions are the 10th of each month. Go to www. bestversionmedia.com and click “Submit Content.” You may also email your thoughts, ideas, and photos to: mscott@bestversionmedia.com. Any content, resident submissions, guest columns, advertisements and advertorials are not necessarily endorsed by or represent the views of Best Version Media (BVM) or any municipality, homeowners associations, businesses or organizations that this publication serves. BVM is not responsible for the reliability, suitability or timeliness of any content submitted. All content submitted is done so at the sole discretion of the submitting party. © 2019 Best Version Media. All rights reserved.
Warmly,
Megan Scott
Resident since 2010
Blackhawk Living Magazine is devoted to sharing stories, events and news among our neighbors in this wonderful community. If you have a story, event or news to share please email me at mscott@bestversionmedia.com
Left to Right: Tamara Harper Fulton, Pam Perry, Karin Wallace, Dee Dee Crockett, Laurel Leftwich, Caroline Sanchez Cruz, Anna Emmett, Linda
Visit us online: WWW.ORTC.COM
WE
ESCROW!
Livery Shopping Center 419 Sycamore Valley Blvd, West Danville, CA
925.855.8700
BLACKHAWK LIVING 3
Expert Contributors Auto Sales & Service Kerri Anderson Pleasanton Automall Kerri.Anderson@hendrickauto.com 925- 737-5062
The Pleasanton Automall is a luxury automotive dealership housing the Acura and Lexus dealerships located in Pleasanton, CA. In addition to our flagships, we also carry a wide selection of quality pre-owned vehicles. We pride ourselves in offering a World Class experience to all of our guests. Visit us today or contact us online to experience the Pleasanton difference.
Chiropractic andFunctional Medicine Blackhawk Chiropractic Lori Hamilton, DC, CCSP 925-736-2663 www.drlorihamilton@gmail.com drlorihamilton.com
Dr. Hamilton is a passionate and committed healthcare practitioner providing a comprehensive and individualized approach to her patients’ well being. Backed with over 27 years of training and experience, she is uniquely equipped at putting the pieces of the clinical puzzle together. By identifying the root cause of pain and dysfunction, followed by individualized effective treatment methods, patients are given the platform necessary to achieve long-term positive outcomes.
Dentist Dr. Larry Porteous DDS Larry Porteous Family Dentistry 925-736-9000
Porteous Family Dentistry- Larry Porteous DDS and Linda Porteous RDH have been serving the dental needs in the communities of Rodeo,Vallejo and Blackhawk/Danville for over 30 years.They are a full service practice, eliminating, in most cases, the need for referrals. Offering extended hours for your convenience. “Our practices are dedicated to treating and preventing dental diseases in a friendly and relaxed atmosphere. We strive to give each person the same respect, concern and care we would expect as patients.
Financial Advice JWM Wealth Management, LLC Joe Morgan, CFP®, CFA 925-389-3889 joe@jwmwealth.com www.jwmwealth.com
Joe Morgan is a fee-only financial advisor who acts as an educator, guide, and protector of wealth to individuals and families. He created his own firm after a successful investment career because he wanted to help people find clarity in their aspirations, resources, and risks. When he’s not showing how financial advice doesn’t have to be dictated by stuffy suited men from Wall Street, he enjoys tennis at Blackhawk Country Club and hiking the Tri-Valley area.
Education The Dorris-Eaton School 925-930-9000 www.dorriseaton.org
The Dorris-Eaton School serves preschool through eighth grade students and is recognized locally and nationally for its academic excellence. Strong writing, grammar, and reading classes are paired with interactive science, math and history courses. Foreign language, technology, art, music, and physical education are integral components of the program. Our experienced faculty provides the solid foundation that enables our graduates to succeed in the finest high schools and universities in the country.
Elder Law Julie Fiedler Horizon Elder Law & Estate Planning, Inc. 925-244-1185 www.HorizonLawCA.com General Contractor S&J Properties Jim Long Office: 925-820-2924 Cell: 925-575-0183 jim@propertiesbysj.com propertiesbysj.com Insurance Roger Fernando State Farm Roger Fernando Agency 925-244-1700 roger@rogerfernando.com Interior Design & Decorating Raashi Design Sheeja Nair 925-236-0402 enquiries@RaashiDesign.com www.RaashiDesign.com
Julie began her career as an RN, working in critical care for over 20 years before becoming an attorney in 2002. As an RN, Julie brings a unique, compassionate perspective to the practice of law. As an attorney, Julie advises in estate planning, with a specialty in elder law, working with seniors and their families in handling the challenges of aging and health related issues.
S&J Properties is a Design/Build company that specializes in residential remodeling construction projects. By performing both the design and construction, we provide the most beautiful, long-lasting and highest value remodeling projects in the industry. Our planning process is extremely thorough, which results in “no surprises” and a rapid and real timeline. Communication with clients, our partners and other regulatory organizations are optimized. We specialize in providing inspiring and custom solutions.
Roger Fernando has been a State Farm Agent for 30 years, starting his insurance agency in 1988. Roger and his team are fully licensed. We take pride in giving personal, exceptional service, in talking and listening to our clients about their insurance needs. Our mission has always been to consult with customers as their insurance needs change, protect their insurance for the risks of everyday life and help recover from the unexpected loss.
Sheeja Nair is the founder/principal designer of award-winning Raashi Design. She specializes in creating interiors and custom homes that are thoughtfully conceived with an emphasis on elegance, comfort, functionality, and the homeowner’s personal style. Her international design work influences her approach to using color, texture and lighting in exciting, yet tasteful ways. An out-of-the-box thinker, Sheeja’s background in engineering and physics uniquely qualify her to solve challenging design issues.
We Are Now Online!! www.BlackhawkLivingCA.com
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JANUARY 2019
Expert Contributors To learn more about becoming an expert contributor, contact Jo Peek at jpeek@bestversionmedia.com. Jewelry, Diamonds & Timepieces Steve Padis Steve Padis Jewelry info@padisjewelry.com www.padisjewelry.com
Steve and Judy Padis own and operate Padis Jewelry, which has four locations in the San Francisco Bay Area. They founded the company in 1974 and are proud to have earned a reputation as one of the finest jewelers in San Francisco, serving generations of clients for their most precious moments in life, from engagement to anniversary to milestone gifts. Padis Jewelry maintains top-tier relationships with the most sought-after designers including Tacori, Forevermark, Verragio, Breitling, Tag Heuer, and Roberto Coin. As members of the American Gem Society, Padis is among the top 5% of jewelers across the country.
Mortgages Steve Cline Preferred Financial 925-820-5557 SCline@PreferredFinancial.com www.PreferredFinancial.com
Preferred Financial Group, Inc. is a local family owned business, funding over 11 Billion Dollars since 1979. We are the pioneer of the zero cost mortgage with access to over 15 national lenders and banks to obtain the lowest possible interest rate for your residential purchase or refinance. We listen, we educate, then perform like no one else in the industry.
Music & Fine Art Victoria Strochkova San Ramon Music & Fine Art School -925-336-0181 sanramonmusic@gmail.com www.sanramonmusic.com
Victoria Strochkova is a founder and Director of San Ramon Music and Fine Art School. Mrs. Strochkova has more than 25 years of teaching experience; in 2008 she decided to collaborate her expertise and experience with other great teachers, which led her to idea to establish music school in San Ramon. Our school is happy to offer the highest quality music instructions and performance opportunities for students of all ages. Mrs. Strochkova is a member of MTAC since 1998. She graduated from Kiev State Music College in 1988 and Kiev State Conservatory in 1993.
Orthodontics Dr. Richard Anthony Blackhawk Orthodontics 925-736-3311 richard.anthony@blackhawkortho.com www.blackhawkortho.com
Richard Anthony, DDS MS Originally from Minneapolis, MN, Dr. Anthony moved to Danville in 1970 with his family and attended the old Charlotte Wood Middle School and San Ramon Valley High School. Dr. Anthony attended the University of California at Berkeley and subsequently completed his dental education at the University of Southern California in 1990. Later that same year, he opened the current office location at the Blackhawk Medical Center where he practiced for over 27 years. Dr. Anthony, his wife Michele, and son Ryan live in Danville. The family can always be found up at Lake Tahoe either hiking, biking, skiing, boating, or relaxing at the beach.
Pool Service Jon Lubrano Atlantis Pools 925-736-0447 info@atlantispoolsdanville.com atlantispoolsdanville.com Real Estate Linda H Kralik, CRB, CRS Berkshire Hathaway HomeServices Drysdale Properties 925-998-9446 lkralik@pacbell.net
Linda’s love of the land beganwhile growing up in Danville riding her horse through the openfields and trails that once crisscrossed the San Ramon Valley. Her most prized moments wereearly morning rides to the top of Mt. Diablo to watch the sun rise. Upon her return to the land ofher childhood, Linda began her real estate career over 30 years ago and has achieved manyawards and top honors in her professional field.
Security Solutions Katelyn Radtke 510-278-2583 foothill_locksmiths_inc@yahoo.com www.foothilllocksmithsinc.com
Katelyn Lucas Radtke is a Bay Area native with a passion for security, community, and education. She is the fourth generation and Operations Manager of Foothill Locksmiths Inc. Foothill Locksmiths Inc. is a Diamond Certified company, servicing the Greater Bay Area since 1956.
Tree Service Trex Donovan Buena Vista Tree Service 415-531-1247 ntdonovan@yahoo.com www.buenavistatree.com
Buena Vista Tree Service is committed to preserving our urban forests and environment. They recycle 100% of our green waste into a reusable landscaping product. Trex safely and efficiently handles all types of tree emergencies 24 hours a day to eliminate tree risks to people and property and significantly reduce your liability exposure.
Unique & Custom Travel Experiences Lori McDonald Cruise Planners 925-380-6208 lmcdonald@cruiseplanners.com www.McDonaldTravel.com
Atlantis Pools Inc. is a family owned business that has been serving Contra Costa County for over 25 years. From pool repair, maintenance needs, remodels and updates, no job is too big or small for us. We take pride in the high quality service we give to each customer.
Lori McDonald, Travel Advisor, with Cruise Planners, wows her clients while considerately guiding their travel plans. Being passionate about helping her clients design the ultimate vacation, corporate travel, or assisting with a dream destination wedding, Lori’s expertise knows no bounds. Lori is professional, creative and detail-oriented. Each aspect of her clients’ land, sea, or river travel blueprint must be perfect.
BLACKHAWK LIVING 5
Resident Feature
Meet the
Armfield family: From London to Blackhawk By Megan Scott, Resident since 2010
C
assandra and Toby Armfield never meant to settle down in Blackhawk. What was supposed to be a fun American adventure for a few years turned into purchasing a forever home, getting a dog and setting roots in a new country. Both born and raised in the United Kingdom, they had an established life in London with two young kids, family and friends. Then Cassandra says Toby came home from work one day with some interesting news, “He said he had been offered a job in California. I asked him if he said yes, and the rest is history. In 2013 we packed our bags and set out on what was supposed to be a fun adventure in California for a few years.” Cassandra adds that she thinks ending up in America was meant to be as several generations of her family nearly ended up here. “My Grandfather was American, he met my grandmother during World War II. They met in Paris, where my grandmother was is the British army. My grandfather was in the US Air Force and after the war ended they had my mother in London. My grandfather went
on to Germany, then back to Wilmington, Delaware. My Grandmother decided not to travel to America to the unknown and stayed in London with her young daughter, my mother. My mother never got to meet her American father and years later when she was a young woman, she met a man in the US Air Force, but again declined an invitation to travel to America with him. Now, three generations later, the time was right for us to live in America.” Cassandra was born and raised in Kent, England and Toby was born in London then moved to Kent when he was older. Toby went to University in North Wales and studied business and management. He says he began his career as a tax consultant in London, but ultimately ended up working in IT. “I worked at Accenture and EMC in London and across Europe before the opportunity arose to move to California to work for Visa in San Mateo. Now I’m back at Dell EMC working from a combination of Blackhawk and airline lounges,” says
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Toby. Cassandra’s career in London revolved around investment banking, but after having her daughter, Olivia, she realized she was not able to work the hours expected of her, and her investment banking career came to a halt. Since relocating to Blackhawk, Cassandra has started a new career as a destination consultant/relocation specialist. “I help relocate and settle in expats to the East Bay, primarily in San Ramon, Danville and Blackhawk. I also help to manage an expat Facebook group called Danville Area Expats,” says Cassandra. A mutual friend introduced Toby and Cassandra. Cassandra says it took a while for her to catch on that he was interested in her. “Toby used to spend lots of time chatting with me and making me laugh at a local club. Little did I know he was flirting with me and wanted to date. Once I caught on, we were inseparable. In 2004, Toby proposed while we were on vacation in Sorrento, Italy. The following year we were married in an outdoor ceremony in Kent, England.” JANUARY 2019
Their two children, 10-year-old Olivia and 8-year-old Emilia keep the Armfield’s life full of fun and laughter. Oliva enjoys reading, singing, skiing and gymnastics while Emilia is a soccer girl and enjoys being a Girl Scout. The family is completed by their dog Oscar. “As soon as we bought the house, we wanted a dog. We went to a few shelters but didn’t see one that would fit our lifestyle. Then a friend mentioned she saw a dog on Craigslist that we should take a look at. It was an adorable one-year-old boy that was already potty trained. It sounded perfect to us. Once we brought our Craigslist dog home we realized he was a little bit crazy, but totally adorable. The first few days he raced around the house jumping and bouncing off every piece of furniture, and we found out the hard way that he was not potty trained! So we went back to basics, and now we have the best dog. He swims with the kids, can catch a ball, loves to be pushed around by the girls in a doll’s stroller and best of all, he loves to curl up with us and cuddle,” says Cassandra.
The Silver Maple community is where the Armfields purchased their home two years ago. They visited a friend who lived in the area and fell in love. It just so happened that the friend’s neighbor was selling her house; the Armfields decided to make an offer. The rest is history. “We got really lucky with our neighborhood. We have the best neighbors; we have neighborhood dinners, carpool together, have a street party over Christmas time, and an annual Easter egg hunt.
We are so thankful we moved into such a nice community, to have kind and friendly neighbors is a true blessing,” says Toby.
Do you know a neighbor who has a story to share? Nominate your neighbor to be featured in one of our upcoming issues! Contact us at mscott@bestversionmedia.com.
There’s a Reason People Talk to Tucker!
Your Community Broker - Serving the Bay Area for 25 Years
Nicole Tucker 925-360-2125 TuckerRealEstateGroup.com CalBRE01145208
BLACKHAWK LIVING 7
Pet Adoption Corner
Manny
Kit Kat
Meet your forever friend at Tony La Russa’s Animal Rescue Foundation, 2890 Mitchell Drive, Walnut Creek, during adoption hours: Noon to 6 pm Wednesday & Thursday, Noon to 7 pm Friday, and Noon to 6 pm Saturday & Sunday.
One-year-old Manny is a goofball with great enthusiasm for playtime! This active pup is looking for the same in a guardian: long hikes, tug, chase games, food-puzzles -- he’s game for games! The adoption fee for puppies <6 months is $300, for adult dogs is $250, and includes a discount on the first six-week session of a manners class.
Would you like to be part of the heroic team that saves the lives of rescued dogs and cats? Can you share your talents to connect people and animals? ARF volunteers are making a difference! For more information see our website, www. arflife.org, or call (925) 256-1ARF.
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One-year-old Kit Kat is an outgoing and sociable young lady who is fond of people and easily makes new friends with them. She’s a very perky and active girl who would love to have a houseful of toys to play with in her forever home. She’s fond of petting and looks forward to being pampered by her forever family. In return, she’ll be a great companion. The adoption fee for kittens <6 months $125 and for adult cats is $75.
JANUARY 2019
Real Estate Listings in Blackhawk
Active Real Estate Listings in Blackhawk
Street
List Price
Street
Kingswood Cir Oakridge Ln Quail Run Ln Cottonwood Dr Birchbark Place Quail Run Ln Redwood Dr Silver Pine Ln Sugar Maple Dr Saddleback Dr Golden Oak Ct Silver Pine Ln Blackhawk Dr Deer Meadow Dr Quail Run Pl Deer Ridge Dr
$839,000 $1,225,000 $1,468,800 $1,549,900 $1,684,900 $1,688,000 $1,749,000 $1,749,800 $1,750,000 $1,788,000 $1,795,000 $1,798,800 $1,839,000 $1,899,800 $1,995,000 $2,149,000
Sq.Ft. BR FBA PBA 1752 2500 2677 3531 3475 3678 3332 3477 3310 3248 4298 2848 3395 4299 5162 4438
2 4 3 4 4 5 5 5 5 5 5 4 4 4 4 4
2 2 2 2 2 3 3 2 3 3 3 2 3 4 4 3
1 0 1 1 1 0 0 1 0 0 0 1 1 1 1 1
List Price
Bent Oak Ct Blackhawk Dr Red Cedar Ct Deer Creek Ln Blackhawk Dr Blackhawk Dr Rosewood Ln Eagle Nest Ct Eagle Ridge Dr Red Pine Ct Saddleback Pl Kingswood Ln Blackhawk Meadow Ln Blackhawk Meadow Ln Blackhawk Meadow Dr
$2,388,800 $2,399,000 $2,475,000 $2,695,000 $2,748,000 $2,995,000 $3,280,000 $4,888,888 $4,900,000 $5,900,000 $6,500,000 $7,500,000 $7,999,800 $8,450,000 $15,500,000
Sq.Ft. BR FBA PBA 4541 5065 5390 5200 5200 6656 6200 7410 7010 5774 9716 10116 8826 9955 6370
4 5 4 5 4 5 5 5 4 4 6 7 7 6 5
3 4 4 4 4 5 5 6 4 5 5 8 8 7 5
1 1 0 1 0 1 2 2 2 0 2 0 2 3 1
Source: Rockcliff 2.0 12/10/2018 Best Version Media does not guarantee the accuracy of the statistical data on this page. Any real estate agent’s ad appearing in this magazine is separate from any statistical data provided which is in no way a part of their advertisement.
The Nagle Team is Sending wishes for health, happiness and prosperity in 2019 to all of our clients, neighbors and friends... S
old
50+ Years of Real Estate Experience and Over 1/2 Billion dollars in combined Blackhawk Sales The Nagle Team provides Excellence, Service and Results Michelle Nagle & Barbara Nagle
Michelle Cell 925 872-1478 Barbara Cell 925 872-1500
DRE # 01261283 DRE # 00828225
www.NagleNagle.com The Nagle Team J. Rockcliff Realtors President’s Club
mnagle@rockcliff.com
3680 Deer Trail Drive Spectacular Blackhawk View Location! Stunning view property with gorgeous granite slab kitchen with gas cook-top. Lovely .16 acre. apx. lot 2,946 sq.ft. apx., 4 bdr. 3 ba. and 3 Car Garage. Gorgeous upgrades and appointments throughout!
We work, volunteer and live as friends among friends in your community Experienced Negotiation Skills to serve our client’s best interests Extensive use of Technology based resources and Marketing Your Real Estate Transaction will be handled with the utmost care If you are thinking about buying or selling a home this year… call The Nagle Team today!
Real Estate is our Passion! BLACKHAWK LIVING 9
Calendar of Events
January Thurs., Jan. 10
Symphony of Color, Abstracts in Review Opening Art Reception @Village Theatre & Art Gallery The Village Theatre Art Gallery will be kicking off the New Year with a burst of color in the abstract art exhibition featuring the works of the South Bay painting group abstract7. Time: 5:30pm
Fri., Jan. 11
Friday Foreign Film Series – Jiro Dreams of Sushi @Front Row Theater, 17011 Bollinger Canyon Rd, San Ramon Experience unique settings, interesting thoughtprovoking plots and beautiful cinematography in each of the award winning films. A moderator will give a brief introduction to the film and then lead a discussion afterwards. This foodie documentary is an inspiring look at the work and career of a famed Tokyo sushi chef, 85 year old Jiro. The obvious pursuit of perfection takes the preparation of sushi to an art form similar to a symphony. From David Gelb, the acclaimed creator of the Netflix series Chef’s Table. Rated PG, 81 minutes, Japanese/ English subtitles. More info at http://www. sanramon.ca.gov/calendar/ Cost: $10
Fri., Jan. 18
Gift Of Life Red Cross 3rd Annual Blood Donation Drive @Blackhawk Lakeside
Ballroom Start the 2019 New Year off right with Hall-ofFamer MJ McColgan Time: 10am-4pm
Fri., Jan.18
The Jazz Room Presents Jim Carusos Cast Party with Billy Stritch on Piano @Village Theatre & Art Gallery “You kids are helping keep the American Songbook alive!” Tony Bennett Think “American Idol” meets “The Tonight Show.” Imagine Martin Short and Liza throw a hip house party around the baby grand…and you’re invited! Cast Party is a wildly popular happening that has brought Broadway glitz and urbane wit to the legendary Birdland in New York City every Monday night since 2003. It is the ultimate spot to mix and mingle with show folk and the people who love them. Cast Party is a hilariously impromptu variety show where showbiz superstars and up-andcomers deliver jaw-dropping musical performances and razzle-dazzle. You just never know WHO will show up! “Cast Party is cabaret church, and Jim Caruso is its Irreverent Reverend.” Ann Hampton Callaway Time: 8pm Cost: Pre-sale $25 Door $30 Tickets: www. villagetheatreshows.com Follow on Facebook @ TheJazzRoomDanville.com
Fri.-Sun. Jan. 25-27
Friends’ of the Danville Library Large Book Sale @Danville Library Welcome to one of the
best-organized and friendliest book sales in the area. Staff members are available to assist you with your selections. Stop by for great titles and some of the best bargains in town! More info at ccclib.org
Every Monday
Tips for Change Community Fundraising Events @Gianni’s Italian Bistro Gianni’s Italian Bistro opens up their restaurant to support our local non-profit community. Tips for Change is a fun and unique way for local charity organizations to raise much needed funds. Volunteers and supporters of local non-profits suit up and become your servers for the evening with all tips and 10% of sales going to support their organization. This event occurs most Monday evenings between 5 and 8pm and is open to the public. Reservations required. More information at www. giannissanramon.com
Every Saturday
Farmers’ Market @Railroad Ave. Municipal Parking Lot - Downtown Get the freshest seasonal fare at the Danville Certified Farmers’ Market. You’ll find fruits and vegetables direct from local farmers, along with fresh-cut flowers, bedding plants, fresh breads, and delicious specialty food items you can eat in the market or take with you to enjoy at home. It’s the perfect place to stock up for the week, or shop al fresco while socializing with friends. This event is located at Railroad & Prospect Avenues and offers free
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parking in the adjacent lot. Time: 9am-1pm More information at www.pcfma.com
Save the Date: Thurs., Feb. 21 Blackhawk Living Magazine 4th Anniversary Celebration @Auburn Lounge Come celebrate Blackhawk Living Magazine’s 4th Anniversary at Auburn Lounge located in beautiful downtown Danville! You will enjoy a complimentary glass of wine or beer and appetizers! It’s a night to toast and give thanks to our amazing advertisers, expert contributors and everyone in the Blackhawk community who contributes content to our publication. We are a magazine written for the people and by the residents, and we couldn’t do it without you! No Host Bar Additional Drinks And Cocktails Time: 5 - 6:30pm
Sat., Feb. 23
San Ramon Valley Rotary Presents its Annual BeerFest and BBQ Fundraiser @Danville Veterans Hall Includes beer tasting, dinner, music, silent and live auctions. Time: 6-10pm Price: $55 Learn more at www. beerfestrotary.com JANUARY 2019
YOUR LOCAL BUILDING AND REMODELING COMPANY
WE SPECIALIZE AND CAN INTEGRATE ALL OF THESE AREAS: • • • • • • • • • •
Design & Engineering Additions Kitchens Bathrooms Show Garages Flooring Windows Media Systems Cabanas Pools
• • • • • • • • • •
Crown Moulding Iron Railing Stone & Tile Roofing HVAC Systems Smart Homes Painting Custom Cabinets New Construction Landscape
OUR MISSION
S&J Properties is excited to announce the opening of the new S&J Design Center, located in the Rose Garden Shopping Center in Danville, CA. A leader in the Tri-Valley area building & remodeling industry, S&J Properties has achieved a reputation for quality, innovation, and beautifully inspired designs. Our expert team stays current on the latest products, trends, and technology in the industry. The S&J Design Center helps our team add a comprehensive and personal design experience, in a warm and welcoming environment. These qualities combined with our fair and honest approach, results in the best remodeling experience and helps achieve S&J’s overall objective of continuing to make customer service and satisfaction our top priority. The S&J Design Center offers a variety of mid-to-high end products including; wood flooring, carpet, floor, wall, and glass tile, counter tops, window coverings and much more. Contact us and begin your personalized design experience!
Call Today! 925-820-2924 MAKE YOUR HOME YOUR DREAM.
FROM CONCEPTION TO COMPLETION, WE CAN HANDLE IT ALL.
Living & Working in the Community Since 1990
We are committed to being the premiere remodeling company of our clients' dreams. Through integrity, professionalism, innovation, quality and service, we build enduring value and lasting relationships.
ABOUT US
S&J Properties is a Design/Build company that specializes in residential and commercial remodeling construction projects. By performing both the design Jim Long and construction, we provide the most beautiful, long-lasting and highest value remodeling projects in the industry. Our planning process is extremely thorough, which results in “no surprises” and a rapid and real timeline. Communication with clients, our partners, the city, and other regulatory organizations is consistent and frequent so our timelines are optimized. We specialize in providing inspiring and custom solutions; whether it is a kitchen, bathroom, single room, landscaping, or an entire home or building. We invite you to take some time to explore us for yourself; talk with our clients and see a sampling of the high-quality work we perform.
www.propertiesbysj.com General Contractor License #993363 Class B
BLACKHAWK LIVING 11
Exploring The City
Day Trip to San Francisco… And Beyond By Melanie Warner and Jo Peek, Resident since 2014
S
ure, you might have been to San Francisco but I guarantee you have never seen it from this perspective. We attended a progressive food tour of the emerging Tendernob district with Avital Tours (avitaltours.com), a unique and immersive tour company that features walking tours highlighting the history, culture, food and cocktails in San Francisco. We chose the North Beach Tour where our guide, Philip, led us to old-school Italian favorites like Cioppino at Sotta Mare with the owner’s family recipe, along with Tommaso’s - the first restaurant to introduce pizza to the West Coast in 1935 with their 850-degree pizza oven. People Magazine named them #3 pizza place in the U.S.
We also visited China Live, where we enjoyed Peking duck with kumquat glaze. The $20-million rebuild took four years to complete and it was just voted best restaurant in San Francisco. Check out the speakeasy upstairs with a blade-runner-meets-FrankLloyd- Wright theme. We finished off with tiramisu at Pasta Pop-Up - a farm to table restaurant utilizing traditional Italian culinary techniques.
Tommaso’s famous pizza oven
The eclectic and progressive food tour offers so many incredible adventures in the Bay (plus LA and New York spots) it would take a week to do them all. It makes for a creative date night or passionate excursion unlike anything you have experienced. Avital guides Philip Hall & Camille Holmes
Horizon Elder Law & Estate Planning specializes in Estate Planning and Elder Law. As a Registered Nurse for over 20 years, Julie Fiedler has seen the consequences of accidents or illness that can happen at any point in life. Julie has tailored her practice to provide the highest level of quality in pre-planning for long term illness or accidents as well as protecting clients from Conservatorship and Probate. We offer a unique perspective in pre-planning that most estate planning attorneys do not. We look at estate planning as a part of our life plan. Call us today for a free consultation and review of your existing estate plan.
Services Offered:
Julie Fiedler is a Registered Nurse, Certified Elder Law Attorney, Masters in Elder Law, accredited by the VA serving in the health care and legal industries for over 30 years.
Estate Planning Wills Trusts Durable Powers of Attorney Health Care Directives Elder Law Long Term Care Planning Asset Protection for Life and Death planning VA Aid & Attendance Medi-Cal Probate
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2333 San Ramon Valley Blvd., Ste. 145, San Ramon, CA 94583
(925) 244-1185
www.HorizonLawCA.com Open Mon-Fri: 9AM-5PM; Evening and weekend appointments available by appointment only
JANUARY 2019
Underground tunnels on North Beach Tour
Speakeasy at China Live
We highly recommend Avital Tours to learn about the history and enjoy The City from a new perspective. Melanie Warner is a travel journalist and publisher who scours the globe for unique travel experiences. You can follow her online at www.MyDefiningMoments.com or follow her Facebook page: Melanie Warner - Wander Woman.
BLACKHAWK LIVING 13
Expert Contributor
Four Hard Truths By Joe Morgan, CFP®, CFA, Principal: JWM Wealth Management, LLC
R
egarding any Financial Plan, it is important to remember these four hard truths:
1. There are only two possible financial outcomes to your life. Your money either outlives you or you outlive your money. Everyone reading this will experience one of those outcomes. 2. Failing to plan is planning to fail. With a well thought out financial plan in place that is adjusted for reality over time, your money has a chance of outliving you. Without a plan, this isn’t very likely. 3. We have been taught that the real risk is losing our investment principal. In fact, the real risk is outliving our purchasing power. Over a 30-year retirement, inflation is the primary culprit, not market volatility. 4. Your plan lives and breathes. From changes in the market to changes in tax law or your personal goals, your plan must live and breathe along with your actual life’s experiences and wishes. A one-time plan isn’t worth the paper it’s printed on.
Whether your plan is in your head, in an excel spreadsheet, or managed by a professional, there is no doubt the above four hard truths must be accepted for your money to have a chance at outliving you. JWM Wealth Management, LLC is a Registered Investment Advisor with the State of California and Joe Morgan is a fiduciary to his clients at all times. If you’d like to take control of your finances, schedule a call with Joe at www.calendly.com/jwmwealth. You can also learn more at jwmwealth.com.
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JANUARY 2019
Have New Resolutions for 2019? Join Blackhawk Women! By Mary Plissey, Resident since 2017
B
lackhawk Women was established in 1985 by five women with the goal of uniting women in friendship through the sharing of fun, food, and common interests for all women residents of Blackhawk and Blackhawk Country Club. 33 years later, we maintain over 300 members. Each month, we offer the members of Blackhawk Women more than 30 activities to participate in. The benefits of becoming a member of Blackhawk Women are not limited to instant friendships, great ideas, and memories to last a lifetime.
Annual Membership dues are only $60. Please visit our website to JOIN US! http://www.blackhawkwomen.com/about You can also E-Mail marlene.m.williamson@gmail.com
Upcoming events include Pets For Vets Luncheon: Wednesday, January 16, 2019 Speaker Merritt Rollins, Veterans Program Manager for Tony La Russa’s Animal Rescue Foundation in Walnut Creek, will share information regarding a life saving program where rescue dogs are tested for their ability to become service animals. Their mission is to match veterans with emotional support animals. Beautiful Inside and Out: Luncheon: Wednesday, February 20, 2019 Jessica Morton, owner and lead artist of Miabel Artistry, is a experienced professional in the makeup and fashion industry. With nearly 17 years of experience helping others feel and look their best, Jessica will share valuable information and her passion for seeing people take hold of their beauty and health.
Other Activities Include: Book Buzz, Bridge, Bunco, Culinary, Hand & Foot, Knit n’ Stitch, Mah-Jongg, Mexican Train Dominoes, Movie Diva’s, TGIF, Wine & Dine, & Other GREAT EVENTS!
BLACKHAWK LIVING 15
Expert Contributor
Happy New Year from Fannie Mae and Freddie Mac By Steve Cline, Preferred Financial
New, much higher 2019 loan limits have just been announced: Regular Conventional Limit - $484,300 (previously $453,100) High-Balance limit - $726,525 (previously $679,650) These higher limits are welcome news for anyone looking to: *Consolidate more debt with zero costs involved *Pay off existing adjustable HELOCâ&#x20AC;&#x2122;s, most likely making it tax deductible *Take advantage of increased purchasing power *Pay less out of pocket to buy your loan balance down out of jumbo and intoconforming range at a lower interest rate The new limits are in effect now and I will be happy to price out a refinance or purchase loan with your specific needs in mind. Call at 925-820-5557 or email me at scline@ preferredfinancial.com. Have a wonderful new year.
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Here’s a few of the events that we have sponsored: Aloha Kiss Fundraising Golf Tournament Animal Rescue Foundation Concours d’Elegance Danville Hot Summer Sunday Car Show Devil Mountain Run Discover Counseling Center’s 19th Annual Golf Tournament Discovery Counseling Center Friends of Camp Concord Golf Tournament Gianni’s Italian Bistro Tips for Change Fundraisers Horses Healing Hearts Invest in Hope Golf Fundraiser Northgate High School Football Golf Fundraiser Swim with Mike Fundraiser Have an event that you want us to sponsor? Email jpeek@bestversionmedia.com for more information. W e lig Of ht fer si C ns hr ta ist lla m tio as ns
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Recipe
Asparagus Soup with Pistachio Cream By Parisa Z. Ambwani, Resident since 1983 Garnish: 4 sprigs mint OR 4 asparagus’s tips Pistachio Cream: Blend ingredients (¾ cup broth, olive oil, pistachios, mint leaves, lemon juice, lemon zest and salt) in blender until smooth and creamy, set aside.
Serves 4-5 Preheat oven to 400-degree F. Pistachio Cream: • ¾ cup vegetarian (base) broth OR clear chicken broth OR boiling water • 1 teaspoon olive oil • 1 cup unsalted pistachios, shelled, lightly roasted, finely chopped • 1 tablespoon fresh mint leaves, chopped • 1 tablespoon lemon juice, freshly squeezed • 1 teaspoon lemon zest • 1 dash sea salt OR to taste Soup: • 2 pounds asparagus, snap off tough ends, shaved and cleaned • 2 teaspoons olive oil + ¼ cup olive oil (to fry onion and garlic) • 1 medium onion, chopped • 4 cloves of garlic, finely chopped • 1 leek, cleaned, coarsely chopped • 1 medium golden potato, peeled, diced • 1 small red sweet pepper, seeded, chopped • ½ teaspoon sea salt OR to taste • ¼ teaspoon black pepper, freshly ground • 4 cups vegetarian broth OR chicken broth • Juice of 2 lemons (about 6 tablespoons), freshly squeezed 8 oz. strawberries, sliced and 1 cup blueberries glazed
Soup: Arrange asparagus on roasting pan in a single layer. Drizzle asparagus with 2 teaspoons olive oil and place in the oven to bake for 6-8 minutes. Remove, cut asparagus into small pieces and set aside. In a large and deep frying-pan, stir-fry onion and garlic with ¼ cup heated olive oil for a few minutes until translucent. Add leek and stir for 1 minute. Add potato, sweet pepper and sprinkle with salt and pepper and continue to stir for 2 more minutes. Add 4 cups broth and bring to a simmer in covered pan over medium heat for 6 minutes or until potatoes are fork tender, stir occasionally to avoid burning. Let cool.Combine onion-potatoes mixture with asparagus and lemon juice. Place in food processor in batches and process until vegetables are pureed and smooth. Adjust the seasoning and thickening if needed. Serve soup warm in individual soup bowl, drizzle with pistachio cream and garnish with mint. Excellent. © 2017 Parisa Ambwani ----- All rights reserved www.enlightenedrecipes.com About Parisa Z. Ambwani: Parisa, a native of Persia who moved to Blackhawk in 1983, has a BA in Fine Arts. Deeply influenced by her mother’s cooking, she has spent three decades writing cookbooks and pairing food with her poetry, philosophy, herbs and spices, and herbal teas. Parisa’s unique cookbooks are known for their merging of useful culinary information with a clear understanding of the relationship with other human beings and with the universe. She has followed this recipe to write and photograph six books that weave her beliefs into caring words on how to live life to the fullest. Learn more by visiting her website, enlightenedrecipes.com
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BLACKHAWK LIVING 19
Expert Contributor
A Sincere Thank You to the Residents of Blackhawk By Jon Lubrano, President, Atlantis Pools Inc.
I have been lucky enough to serve the Blackhawk community for 30 years, and I wanted to take this time to say thank you and Happy New Year. It has truly been one of the highlights of my life to work in such a special place. Life can get hectic and busy, and we can let too much time pass without stopping to show gratitude and appreciation. So that’s what I would like to dedicate this month’s article to. When I started Atlantis Pools 30 years ago, I had no staff. It was just me and a strong desire to help people with a quality business they could rely on. Since that time, I have always strived to be the best for our customers. No matter how much technology changes the way we do business, nothing will ever replace outstanding customer service. Happy customers are our goal, and we try our best to accomplish it every day. For all who read this, thank you for supporting us over the years, it has been a pleasure to serve you for more than three decades.
I also want to thank Blackhawk Living Magazine. Being a part of this wonderful publication has changed the way I see my business. Blackhawk Living is run by good, local people who pour their heart and soul into making this a great local magazine. Thank you to Jo Peek for starting such a high-quality magazine in our community and to Megan Scott for all your monthly articles and content. Please don’t hesitate to call us for all your pool needs and we will do our best to serve you well. Thank you Blackhawk!
! u o y k n a h T
“We listen, we educate, then we perform like no one else in the industry.” We provide home financing services, including Fannie Mae, Freddie Mac, jumbo and portfolio home mortgage products. We are a family owned business since 1979, when we pioneered the zero cost loan.
Steve Cline
Mortgage Broker and Insurance Broker Office phone - (925) 820 - 5557 Email - SCline@PreferredFinancial.com Website - www.PreferredFinancial.com
20
Steve has been a Blackhawk golf member since 2003. JANUARY 2019
Life through a Lens
San Francisco Shines Bright By Sonia Lamba, Resident since 2015
O
ne of my favorite things about the holidays is to go see the city all decked up with holiday lights, tinsel trim and colorful glittery displays that further add to San Francisco’s stunning and magical vibe. For the most part, I love hanging out in the sparkling Union Square and getting awed by the decorative enchanting holiday store windows that are so elaborate and bring lots of joy to all the passersby on Stockton and O’Farrell Streets. The perfect place to click a holiday photo is by the 83 foot Christmas tree with more than 33,000 twinkling lights and 1,100 shining ornaments. Every year, my daughter loves to skate at the holiday ice skating rink here, a wondrous holiday tradition. This is definitely a festive part of town to dine and walk around, to listen to some holiday music on the streets and in the stores, to do some holiday shopping and soak in the holiday cheer. Holiday lights are one of the simple pleasures of the holiday season and nobody does it better than Blackhawk. It’s a joy to drive around Blackhawk and see all the holiday lights illuminating the homes and sometimes the entire street.
House on Red Maple Drive in Blackhawk twinkling with colorful lights
Hope my Blackhawk Living Magazine community had a beautiful holiday season. Cheers to 2019 and wishing you all an incredible year ahead!
The Union Square ice skating rink dazzles in the holiday spirit
Lion dancers visit stores in Chinatown to bring in good fortune during the new year
The Blackhawk Plaza beautifully decorated for the holidays
Macy’s celebrates the wonder of giving with its annual Believe campaign
Sonia Lamba As an amateur photographer, I have always loved taking beautiful photos of my friends and family, nature and travels. After having a fulfilling career in finance in New York, I moved to California in 2014 where my love for photography turned into an invigorating passion. The mountains, valleys, flowers, water and parks never looked so captivating before. I look for vibrant colors and different shades of life. I love capturing anything that intrigues and inspires me. Moving to gorgeous Blackhawk has further enriched and blossomed my love for the camera. I take my camera everywhere, regardless of how short the distance is. Knowing me, there is always a photo opportunity! BLACKHAWK LIVING 21
Expert Contributor
The New Age of Adult Orthodontics By Richard Anthony, DDS MS – Blackhawk Orthodontics
T
hese days, people of all ages want to straighten their teeth. In fact, a huge number of adults are hopping on the braces bandwagon to get the grin they have always wanted. Since the early ‘90s, the percentage of adult patients in the typical American orthodontic practice has grown from less than 5% to over 30% of the total patient population. Most orthodontists agree it is definitely the fastest growing segment of their practice. Today’s teeth are staying stronger longer. “A generation ago, adults didn’t always keep their teeth, much less straighten them,” says Leslie A. Will, DMD, of Boston University’s Henry M. Goldman School of Dental Medicine. We have gone beyond tooth survival she adds. “People want their teeth to be healthier. They want their bite to be better, and they want them to look great.” Adult orthodontic therapy frequently does not always involve fullmouth (comprehensive) treatment, as is most common in young patients. But rather, may only involve a partial segment of teeth (limited treatment) that is often related to some other necessary dental procedure such as a veneer, crown, of implant restoration. Whether the proposed orthodontic treatment is comprehensive
or limited in scope, most adult patients have alternate options other than traditional metal braces-such as ceramic toothcolored braces or Invisalign clear removable aligners-to move the teeth. Adult patients also need to know what they are getting into before committing to orthodontic treatment. If there is active gum disease, that will need to be treated before initiating orthodontic therapy. Also, once treatment has started, you will need to make time for the office visits every 4 to 6 weeks, watch carefully what you eat so you don’t break the braces, and plan to brush and floss longer than before. As long as your teeth, bones, and gums are healthy enough—it is never too late to create a more perfect smile!
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JANUARY 2019
Community Safety
Day or Night - Who is Watching Your House? By Aaron “Wally” Barger, Resident since 2012
H
ome security is an integral part of a person’s sense of safety. However, many of us need to enhance even our basic level of protection. Burglaries and home invasions, although not common in Blackhawk, are a very disruptive force in a family’s life both financially and emotionally. Homeowners have many options in providing adequate coverage and protection from burglaries and robberies. Modern technology offers a wide range of methods to ensure personal property protection. As I have noted in previous articles, the simple act of strategically leaving a few lights inside and outside of your home at night can be an effective deterrent. Here are a few ideas that may prove useful for nighttime protection. The first is to always keep at least one interior night light on all night. The second is to keep an outside light in the front and in the back of your house on all night long. The third, and even better,
is to install a series of motion sensitive lights that surround the exterior of your house and property. A number of homes in Blackhawk have increased lighting their homes in much the way just described. But, the fact that crimes of opportunity can strike day or night requires all of us to consider ways in which we can better protect our home and property.
Helping families who want clarity in their financial lives. As a fiduciary at all times, I… ...provide clarity and peace to families regarding their financial lives ...serve families who have never worked with an advisor before, but are now facing one of life’s stressful transitions ...believe in knowing your aspirations, resources and risks. Understanding these is the first step toward clarity and peace My firm exists because financial stress is far too high for the average person. A little education combined with some strategy and a lifetime of coaching provides the confidence that allow our clients to live out their years with peace, dignity, and independence.
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joe@jwmwealth.com Website: www.jwmwealth.com
Blackhawk resident for 13 years
For example, there are several other security systems that can add to your family’s safety and protection. The first is a simple door chime and camera system. A more elaborate method of security is to include a network of alarm sensors throughout the house, which are motion sensitive or activated by opening a door or window. Far more sophisticated alarm services include motion detection cameras, with night vision capability, networked throughout the interior and exterior of the home and property If you have any questions about security systems for your home and property, contact the Blackhawk Police Department at 925-6462441 for additional information. If you see a suspicious individual peeking into your home or on your property, do not approach or confront suspicious individuals. Instead, call the Blackhawk Police at 925-646-2441. A number of Neighborhood Watch programs have been formed in Blackhawk. If you or a neighbor have a interest in forming a Neighborhood Watch program in your area, contact me by email at “aaron.barger@yahoo.com”. You can also contact the Contra Costa County Sheriff’s Office, Crime Prevention Unit, ask for Christina Lind-Winters at 925-313-2682 for additional information or to schedule an orientation meeting.
BLACKHAWK LIVING 23
Expert Contributor
Considerations When Adding an In-Law Suite By Jim Long, S&J Properties, General Contractor, Resident since 1991
M
ultigenerational households are on the rise, but there’s a lot to consider when dreaming up a new space for mom or dad. Creating a distinct space at home for an aging parent to move into, whether it’s a separate backyard unit, a converted basement or bedroom or an added-on suite, is a major undertaking. But with its added peace of mind, potential savings and investment value, flexibility and emotional reward, it’s an undertaking that may be worth the effort for the right family. So how can homeowners know whether building out a home within-a-home for their loved ones is the best decision for them? Here are a few questions you can ponder before getting to work. Will Your House and City allow It? The first thing homeowners need to determine is whether they’d be able to add an in-law suite to their property at all. City and municipal zoning ordinances and permitting requirements can get in the way of this type of construction or renovation, particularly if someone wants to build or convert a space that’s not attached to the main house. In the case of a separate structure (also known as an accessory dwelling unit, or ADU), many cities forbid or carefully restrict additional plumbing or gas lines, among other features. What Accessibility Concerns Need to Be Addressed? When adding an in-law suite, homeowners should be thinking through everything from including reinforced walls and grab bars to choosing mood-boosting paint colors. Other aging friendly design choices include flooring that’s not too slippery and not too textured and closely cropped carpet, minimal clutter, doors and hallways that are wide enough to accommodate wheelchairs or walkers, lipless showers to prevent tripping and low-maintenance everything.
significant investment, but it can also be a wise one. It may be a more affordable option than long-term nursing care. The national average cost for semi-private and private nursing home rooms has continued to grow in recent years, with private rooms costing nearly $8,000 a month. When these suites are built using a universal design, they may make a home more valuable down the road, as there are so few houses available that are accessible to everyone. Is It a Good Fit for Your Family? Even if you have the ideal house for it, the in-law suite setup isn’t right for everyone. It can be a lot for an adult child to take on emotionally and it could create family strife. Communication and talking through all the ways this type of change will affect all members of the family is key. If you are thinking of new remodeling ideas, getting the help from a qualified professional builder is worth the investment and long run value.
Pest Control Weed Control Tree Service
What’s Your Long-Term Plan? Maybe your parents aren’t ready to move in with you, but you’d like to keep the option open in the future. Are there other things you could do with the space in the meantime? Are you able to rent it out? Use it as an office or guest room? Could it work as an apartment for your own adult children in a few years? What do you plan to do with it if your parent moves into an assistedliving facility or passes away? Along with planning ahead, even if your parents don’t plan to move in permanently, a separate suite might make sense for frequent longer visits, particularly if they’re visiting from far away. Does It Make Financial Sense? Accessory dwelling units present some financial challenges because many cities don’t have a lot of them for comparison, making it harder to get financing for their construction. It’s a 24
JANUARY 2019
Linda Kralik
Blackhawk Bloomers Garden Club By Kim Chandler, Resident since 2012
Blackhawk Resident for 33 Years
Come join us for our Wednesday, January 23 Luncheon. Social at 11:15 am & Lunch at Noon & Speaker at 1:00 pm in the Blackhawk Country Club Ballroom for:
• Born and raised in the Danville area • A Member of the DD Riders • Five years on the San Ramon Valley AAU Swim Team • Moved back to Blackhawk in 1984 • Blackhawk Country Club Member since 1984 • Served as President for Women’s Tennis Asscociation • Served as President for the Blackhawk Swim Team • Served on numerous Blackhawk Country Club Committees • Blackhawk HomeOwner’s Association Board member for over 17 years
JOAN MORRIS “Living with Wildlife”
Joan Morris is a veteran columnist who began her career in 1978 as a reporter for a small-town newspaper after graduating from University of New Mexico. Joan moved to the Bay Area in 1988 and worked as a general assignment reporter for the Contra Costa Times. Currently Joan is the Mercury News Pets and Wildlife columnist “Animal Life.” Joan took over the Pets and Wildlife column from local personality Gary Bogue. Joan refers to Gary on occasion as she fields thousands of emails regarding our pets and the wildlife we live with. Joan also is the garden writer for the Bay Area News Group and founder of “Our Garden,” a demonstration garden operated in conjunction with the Contra Costa Master Gardeners. This partnership donates thousands of pounds of fresh produce to help feed the hungry in the Bay Area. Noteworthy, as well, Joan is the editor of the monthly special section “The Good Life,” directed at those 50 and older.
Join Bloomers and join us! Cost $32.00 – Reservation Deadline January 18
Linda Kralik Broker Associate and Luxury Specialist 4185 Blackhawk Plaza Circle, Suite #101 Danville, CA 94506
925-998-9446
www.TheBlackhawkTeam.com
CalBRE #00991436
Email your Blackhawk Country Club number to Kim Modersbach at Budncam@gmail.com OR mail a check made out to Blackhawk Bloomers to Kim at 272 Stone Valley Way, Alamo, CA 94507 Questions? 925-820-3733 or 925-998-8216 All Blackhawk Country Club members are welcome to join Bloomers. Please contact Patricia Jenkins at 925-736-7654 OR Patriciajenkins91@comcast.net SAVE THE DATE: Wednesday, February 27 for the Bloomers Luncheon presented by Elaine Friedman from Covid Connection “Birds in the Garden” SAVE THE DATE: Wednesday, March 27 for the Bloomers Luncheon presented by Nona Tai from Floral Design “Flower Arranging” BLACKHAWK LIVING 25
Monte Vista High School
High School Kaleidoscope - The New Year By Ananya Lamba, Junior Reporter, Resident since 2015
T
he Holidays are over, bringing a new chapter in our lives. For high schoolers this means the start of second semester. We made it through the stressful finals in December and rightfully earned our two week vacation! We got to spend time with family and friends, for that is what the holidays are all about. In my case, my family and I traveled to Utah and Tahoe, where I had an amazing time skiing with my family! Winter break is always a time to make new memories that last a lifetime. Before the end of the year, many of our talented students got to show off their talent at the dance show and the choir performance. At the dance show, each dance class presented a few routines.
925-336-0181
Dancers bowing after performing in the dance show
The whole show was amazing and I never lost interest! The choir show was
another amazing event, where hundreds of students showcased their beautiful
sanramonmusic@gmail.com www.sanramonmusic.com
• We offer private lessons in music and art, (group classes are available for art only) • Music Lessons: Violin/Viola/Piano/Guitar/ Voice and Flute • We prepare for Recitals, Auditions for Orchestras (included outside of school such as Oakland Youth Orchestra, San Francisco Youth Orchestra, Palo Alto Youth Orchestra, Berkeley Youth Orchestra and more). • We prepare students for tests and competitions. • In art class students will learn main principles of realistic drawing and painting including the study of composition, value, color, and pictorial space. • Advanced students who want to pursue an artist career will develop portfolio for College submission.
Testimonials
Victoria’s love for music, appreciation for violin, and enthusiasm to with work with students of all ages and diverse backgrounds, makes her prefect as a teacher.
Iren Gullapalli, Ph.D. | San Ramon, CA--
Victoria is knowledgeable, enthusiastic and very easy to communicate with. She is always positive, encouraging and very respectful. My son is usually not very comfortable performing in front of an audience but Victoria provides plenty of activities that prepare her students to feel comfortable for the recitals. So far, my son has performed four times in the students’ recitals and has not complained yet. Helen Lin | Livermore, CA
We are proud to support our local schools and enrich our community with high standards of teaching music and art. We are taking a high degree of responsibility to teach and mentor the younger generation of musicians, and an artists who wants to achieve an expert level or pursue other interests having gained a skill that will bring them satisfaction throughout their entire life.
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JANUARY 2019
voices. The show was filled with holiday songs, getting everyone in the Christmas spirit. I will never forget the chills that ran through my body while listening to their songs. Now it is time to prepare for second semester, which brings new knowledge, assignments, and tests. Sadly, the holiday season in over and it is back to school. However, we get to look forward to Martin Luther King Jr. weekend which is coming up soon!
Singers voices fill the suditorium
Skiing through Squaw Valley over winter break
Ananya Lamba attends Monte Vista High School. She loves reading and writing for they allow her to share her thoughts with her readers and explore various worlds. She also has a passion for skiing and ice-skating. For 3 years and counting Ananya has been a member of the Dublin Dolls and Dazzlers Synchronized Skating Team. Her team takes her and her family across the country for competitions, where she has won many awards.
January 27, 2019
BLACKHAWK LIVING 27
Expert Contributor
Ready or notâ&#x20AC;&#x201D; kindergarten here I come. By Peggy Arman, The Dorris-Eaton School
M
ost parents donâ&#x20AC;&#x2122;t take a cavalier approach with their childâ&#x20AC;&#x2122;s first formal educational experience. However, over-analyzing every move a four-year-old makes isnâ&#x20AC;&#x2122;t productive either. So, how do parents determine if their child is ready to begin kindergarten? The first consideration is usually age because most private and public schools have a cut-off date: the date by which a child must be five. However, experts agree that chronological age is only one piece of the puzzle. It should not be the determining factor. A childâ&#x20AC;&#x2122;s social/emotional, physical, academic, and learning preparedness are the considerations which should help guide the decision. Being ready to learn can be critical to success at school. For a child about to enter kindergarten, look at how well he communicates and listens. Does he speak in complete sentences most of the time and understand and follow two-step directions? Is he focused and attentive when a book is read? Is he able to wait when the need arises? Can he successfully follow a routine?
It can be difficult for parents to objectively assess their own childâ&#x20AC;&#x2122;s readiness for kindergarten. So, seek the opinion of skilled educators, childcare providers, or adults who know your child well. Meld their assessment with your own so that you can make an informed determination as to whether your child is â&#x20AC;&#x153;ready or notâ&#x20AC;? to begin kindergarten. Are you considering private education for your child entering kindergarten through eighth grade? The first ten parents to phone The Dorris-Eaton School (925.930.9000) and mention this article will have the $250 evaluation fee waived.
Another consideration is academic readiness. Being curious is key. Does your child wonder about the world around him and ask questions? After hearing a story, is he able to reasonably retell the story and connect it to his own life? Letter and number recognition shows readiness. A conceptual understanding of math includes the ability to count, recognize one-to-one correspondence, and identify quantityâ&#x20AC;&#x201D;groupings which show greater than and less than. Sometimes there is a tendency to overemphasis a childâ&#x20AC;&#x2122;s cognitive ability. A childâ&#x20AC;&#x2122;s social/emotional development is critical to enjoying school and being successful. Can your child express his feelings? When interacting with other children, how well does he share, take turns, compromise, and problem solve? Assess your childâ&#x20AC;&#x2122;s independence. Is he able to separate from you, dress himself, and take responsibility for his belongings?
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Fine- and gross-motor skills are also important. Does your child use drawing or writing tools with control and intention? Can he copy a straight line, circle, and triangle? When drawing himself, does his picture have a head, body, arms, and legs? In terms of gross-motor skills, look at how well your child catches and bounces a ball. Is he able to hop on one foot, jump, and run in a straight line? 1101198.1
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Health and Wellness
It’s Holiday Time, but Where is My Mojo? By Dr. Asha Bajaj, Resident Since 1986
H
oliday stress and all the hectic activity to make and do things for everyone else takes a toll on your system, especially if you have symptoms of chronic fatigue and fibromyalgia. Fibro-myalgia and Chronic Fatigue Syndrome is a set of symptoms that exist together creating a greater chance of developing the disease... Fibromyalgia is characterized by: 1. Increased sensitivity to pain 2. Eleven to eighteen tender points called trigger points 3.
Incapacitating fatigue
4. Widespread pain lasting for more than three months There are several theories about what causes fibromyalgia. Generally they are categorized as: •
Hormonal disturbance: Menopause
•
Low HGH levels; low serotonin
•
Increased level of “Substance P” pain amplification
•
Sudden micro-trauma to brain and spinal cord
•
Genetic tendency to depression and anxiety
•
Chronic stress cycle of pain, fatigue, lack of sleep
A person with CFS Chronic Fatigue Syndrome also has two or more of these symptoms: Problems with concentration, short-term memory, or thinking of the right word, being very sensitive to light, noise, or emotions, confusion, slow thinking, or feeling disoriented, muscle weakness or muscle coordination problems. Different people with CFS have different combinations of light-headedness and
dizziness, very fast heartbeat, or shortness of breath, urinating often, nausea, or irritable bowel syndrome, cold hands and feet, sweating, or trouble with heat or cold, feeling worse when under stress and weight change or appetite change. Diagnostic tests include a full chemistry panel, thyroid, glucose test, urine test, ESR to check for inflammation markers and a test for anti-nuclear antibody (ANA) and Epstein Barr virus. Once you are diagnosed with fibromyalgia and/or CFS you have several treatment options. Medications for pain relief, to relax the muscles, induce sleep and or build the immune system may be prescribed. Many medications have serious side –effects and need to be supplemented with lifestyle changes to cope with that problem, First and foremost :Manage your energy level by energy conservation techniques; see a physical therapist to work with your muscles and exercise to restore function. Consult an occupational therapist to
show you how to modify your activities, to avoid pain in your daily life. Stress management and meditation, eating a diet full of vitamins and minerals go a long way to help. Try and get enough good quality sleep each day. And remember to go with the flow!
Dr. Asha Bajaj, PT/ DPT has 30+years experience in a variety of settings including the management and operation of an outpatient private practice in Walnut Creek. Asha has served in Bhutan, India, Vietnam and Malawi, Africa with Health Volunteers Overseas to train and develop their Physical therapy program. Asha has a special interest in Women’s health and did her doctoral project in the area of Bone health and Osteoporosis. Her goal is to promote health and lifelong wellness.
BLACKHAWK LIVING 29
Arts and Culture
Broadway Stars Coming This Month to The Jazz Room at Village Theatre & Art Gallery! By Eve Marie Shahoian, Resident since 2013
T
here’s a new Jazz Series at Village Theatre & Art Gallery, brought to you by The Jazz Room! No, it’s not a jazz club, but its a room within the the walls of Village Theatre & Art Gallery where once a month wonderful, world class, inspiring music is shared and enjoyed by patrons visiting from near and far! As the Artistic Director and Producer, I bring talented musicians and aspiring young musicians to The Jazz Room once a month with the mission to enhance performing and cultural arts in Danville and surrounding towns. The Inception of The Jazz Room was in January 2017 and has been well received by patrons and performers throughout the Bay Area. Beginning our third season, I am thrilled to partner once again with The Town of Danville to bring National and International talent to the stage. A professional singer/songwriter myself, you may hear me singing with a trio, band or harpist at Village Theatre & Art Gallery. I find great inspiration meeting, and collaborating with talented artists who bring their talent to The Jazz Room. I also enjoy meeting residents and patrons within the Danville Community, and from all over the Bay Area. It’s very rewarding to know I am contributing
to the enhancement of performing and cultural arts in our wonderful town. We are celebrating our two year mark January 18th @ 8pm with Broadway Stars Jim Caruso and Billy Stritch who are coming from NYC and bringing the iconic show Jim Caruso’s Cast Party with Billy Stritch at the Piano! You never know which STAR will show up! Cast Party is a wildly popular happening that has brought glitz and urbane wit to the legendary Birdland in New York City every Monday night since 2003. It’s a hilariously impromtu variety show where superstars and up and comers deliver jaw dropping musical performances. As the New Times says “ Cast Party is show business heaven!” Complimentary appetizers and one glass of wine will be provided from 7pm to 8pm. Come celebrate with us! “You kids are helping keep the American Songbook alive!” Tony Bennett I would like to thank the patrons for your support, and Town of Danville for providing this platform and giving The Jazz Room a home monthly! To learn more about upcoming shows visit www. villagetheatreshows.com or call 925-314-3400. Follow The Jazz Room on Facebook @TheJazzRoomDanville.
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JANUARY 2019
Wine, Food, Golf & Fun
San Diego:
America’s Finest City By Mike L. McColgan, Resident since 1990
In an effort to dine at all 3000 San Francisco restaurants(900 and counting), my wife Linda and Hall-of-Famer son MJ recently traveled to sun splashed San Diego to experience food, golf, wine and fun with lucky friends who live there. From the Oakland Airport, it is an easy 1 hour flight. Southwest Airlines offers many choices to meet your travel needs. We stayed at Morgan Run Resort in Rancho Santa Fe offering “something for everyone” to fill your day. The Resort is an easy 40 minute drive from the San Diego Airport. They offer 69 reasonably priced boutique rooms located right on the golf course. The rooms are nicely appointed with fireplaces, spacious, and close to the spa, tennis courts, golf pro shop and Gene Littler Lounge. Famous golfer Gene Littler is also a resident and is often seen mingling with the members and guests. The Littler Lounge has a fascinating picture gallery of his many golf accomplishments and 2 of his favorite golf clubs. He was known as “Gene The Machine,” inducted into the World Golf Hall Of Fame and won the prestigious US Amateur and a US Open. Great food, exotic drinks, wine, micro brews and multiple large screen TV’s make it a great place to unwind after a round of golf, tennis or spa treatment. There is also outside seating and fire pits with great views to enjoy the low humidity perfect year around weather. The golf course features 27 nicely manicured golf holes. It is a very friendly course to walk for those who want more exercise and do not like to ride around in a golf cart. There are 4 tee choices to meet every golf skill level. Linda found the lady’s tees to be very friendly and fair. She experienced “golfing joy” when she got a near ace and birdie on a very challenging par 3. On the way from the San Diego airport, we stopped in nearby and sensational San Diego to explore the famous San Diego Gas Lamp District. After strolling around, we decided to dine at Los Ponchos De Charly and enjoyed their 17 year history of great Mexican food and music. We sat on the patio and enjoyed people watching, great weather, Cadillac Margaritas, quesadillas and their wet burrito that were all prepared to perfection. The Gas Lamp district is a fun, fantasy foodie collection of great restaurants, jazz clubs, hotels and interesting shops. Morgan Hill Resort is also located very close to Jake’s Del Mar Restaurant located right on the beach of the clear, blue Pacific Ocean. It has a vibrant atmosphere and always packed with happy patrons watching the surfers and sensational sunsets. Reservations are highly recommended.
This was “Déjà Vu” for us as we were there in 2008 for the US Open held at famous Torrey Pines. Torrey Pines is also scheduled to host another US Open in 2021. We were guests of the Golf Channel in 2008 when our son MJ won the essay contest for the” Fathers Day US Open Contest”. His essay was selected from 25 thousand essays submitted. We were also recognized on National TV on Father’s Day during the final day of the US Open. Jake’s Del Mar Restaurant brought back these vivid, magical memories eternally deposited in our rich memory banks. We enjoyed fish so fresh that you thought it was just caught in the ocean that was only a few steps from our table. We especially enjoyed the crispy calamari, lobster spring rolls and lightly pistachio crusted Mahi Mahi with a side order of perfectly seasoned cauliflower. The meal was highlighted with their famous” Hula Pie” dessert. This sinful creation is made with creamy Macedonia nut ice cream, a delicate chocolate cookie crust and a generous amount of heavenly hot fudge. It is a very large proportion and recommended to be shared with 2-4 people. On our final day, we enjoyed “fun in the sun” at nearby La Jolla. This classy oceanside town features pristine beauty, a variety of boutique shops and great restaurants. We dined at George’s On The Cove and enjoyed exceptional views and foodie fun created by Trey Foshee. Trey has been voted one of the best chefs in America, and we were not disappointed. We dined on the third floor ocean terrace and enjoyed stunning views and carefully crafted food presentations. They are open for lunch and also offer elaborate price fixed dinners in the evening. Reservations are also highly recommended at this well-known foodie refuge. We enjoyed an elegant lunch beginning with George’s Famous soup made with smoked chicken, broccoli, and black beans and shared George’s fresh albacore fish sandwich, fish tacos and crunchy french fries that was enhanced with spectacular views of the Pacific Ocean Cove and soft, warm sunshine. In conclusion, it is no wonder that many corporations have conferences in San Diego and many tourists visit from all over the world. “America’s Finest City” has perfect year round weather filled with happy, proud residents and is a “must do” to add to your bucket list. To make reservations at the Morgan Run Resort go to: http://www. clubcorp.com/Clubs/Morgan-Run-Club-Resort
BLACKHAWK LIVING 31
Health & Wellness
Prediabetes: Are You at Risk? By Judi Magee, Resident since 2014
H
appy New Year! I know the topic of diabetes doesn’t spring to mind when making New Year’s Resolutions, but maybe it should. Being prediabetes means that your blood sugar level is higher than normal but not yet high enough to be type 2 diabetes. The Center for Disease Control and Prevention states, “Approximately 84 million American adults—more than 1 out of 3—have prediabetes. Of those with prediabetes, 90% don’t know they have it. Prediabetes puts you at increased risk of developing type 2 diabetes, heart disease, and stroke.”
physical activity means getting at least 150 minutes a week of brisk walking or a similar activity. That’s just 30 minutes a day, five days a week.
So what is Prediabetes? What we eat or drink is broken down into sugar (glucose) that our cells need for energy and is transported throughout the body through the bloodstream. Moving glucose from the bloodstream to our cells requires the help of insulin that is secreted from the pancreas. As insulin circulates, it allows glucose to enter your cells — and lowers the amount of glucose in your bloodstream. As your blood sugar level drops, so does the secretion of insulin from your pancreas.
Judi Magee
Have you added diabetes prevention to your New Year Resolution list? It’s certainly worth thinking about. Wishing you Good Health this New Year,
National Board Certified Health and Wellness Coach with a Masters in Health and Wellness Coaching from Maryland University of Integrative Health.
Prediabetes marks a change in how glucose is processed in the body. Instead of entering the cells, your pancreas doesn’t make enough insulin or your cells become resistant to the action of insulin, or both, and glucose builds up in the blood instead of moving into the cells. When high levels of glucose stay in the bloodstream, it deprives cells of energy and over time can do damage to your eyes, kidneys, nerves or heart. What are the Risk Factors? It’s important to talk to your doctor about getting your blood sugar tested if you have any of the risk factors for prediabetes, which include: • • • • •
Being overweight Being 45 years or older Having a parent, brother, or sister with type 2 diabetes Being physically active less than 3 times a week Ever having gestational diabetes (diabetes during pregnancy) or giving birth to a baby who weighed more than 9 pounds
Lifestyle Changes Prediabetes is real. It’s common. And most importantly, it’s reversible. You can prevent or delay prediabetes from developing into type 2 diabetes with simple, proven lifestyle changes.
(925) 449-1203
The CDC recommends; if you have prediabetes, losing a small amount of weight if you’re overweight and getting regular physical activity can lower your risk for developing type 2 diabetes. A small amount of weight loss means around 5% to 7% of your body weight, just 10 to 14 pounds for a 200-pound person. Regular 32
JANUARY 2019
Expert Contributor
New Year’s Resolutions for the Home By Linda Kralik, Berkshire Hathaway Home Services, Drysdale Properties, Resident since 1984
C
hristmas is a distant memory. New Year’s celebrations are over. The cold reality of winter is here. What to do now? Time to address the coming of 2019 with some New Year Resolutions. No, not the ones that we dust off every January like going to the gym daily; going on a diet; more family time; holding to the household budget, etc.; those discarded resolutions that do not even make it to the month of February. We are talking about serious resolutions for the home. So, take a look at these household resolutions for a brighter New Year. 1. Exercise: No excuses — that clutter has got to go! Start by creating more storage space. As you are putting away those cherished Christmas decorations, take a long look at those you did not put out. Maybe it is time to re-organize the garage and look at what you did use over the past years and what is just taking up residence when more storage is needed!! This is a serious exercise in both physical (up and down the ladder and lifting boxes, etc.) as well as mental (deciding what stays and what needs to be donated or tossed.) 2.Dieting for the Home: Notorious for gluttony is your energy usage around the house.
Realize your optimal health and vitality A patients’ health care needs are as uniquely individual as they are. Explore the comprehensive tailored analysis and treatment programs a Functional Medicine Practitioner provides with a complimentary consultation.
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Blackhawk Chiropractic Blackhawk Medical Center
4165 Blackhawk Plaza Circle #250 Danville, Ca 94506
925.736.2663
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Look for ways to conserve energy. A good place to start is your HVAC duct work. Duct work for your heating and air conditioning systems can leak your heating and cooling air through holes and loose connections. Servicing of your heating and cooling systems will make your home more comfortable, and a more-efficient system helps extend the life of your furnace, air conditioner, or heat pump. Installing LED lights and have outdoor lights on timers will also reduce your energy usage. 3. Family Time: Quality Family time is like a vacation, yet you are still at home. It takes planning and scheduling, just like a vacation — but it’s worth the effort. Find a project that the whole family will enjoy and make it special. Maybe plant a special tree, like a memorial tree. Dedicate it to someone or something special that everyone agrees. Fire up the SUV and shop for a tree that’ll become a new member of your family. Have your kids name it and help care for it. Buy a simple plaque to install at the base. 4. Budget: Large companies set aside money “in reserve” to deal with yearly replacements of old equipment. Household budgets should do the same. Creating a yearly budget for home improvement and maintenance will help prevent overspending, and encourages you to put aside money for major replacements — such as new roofing or a kitchen appliance — that come up every few years. 5. Volunteer: Our world today seems to be a little more turbulent. There are more headline stories of heinous crimes against humanity, with little compassion. Maybe this would be a good time to keep a resolution to help make this world a better place. Altruism is not dead, it just needs a jumpstart, and you are the one to make it happen. You can start by looking into volunteer programs in your neighborhood. Maybe promoting safety like a Neighborhood Watch. Or become a Meals on Wheels volunteer. There are many to choose from, and make it a family plan so everyone is involved. I sincerely wish all of you the Happiest of New Year’s. May 2019 be filled with Joy and Love. LK BLACKHAWK LIVING 33
Expert Contributor
Ring in the New Year with a New Look! By Steve Padis, Steve Padis Jewelry, Resident Since 1989
Happy New Year from our family to yours!
H
ave you been thinking about resetting your diamond engagement ring into a new mounting? This is the perfect time to kick off the New Year by re-doing the ring you wear and enjoy daily. Resetting your diamond is a great way to get a whole new look. Whether you have a pear-shape, marquise or a classic round brilliant diamond, we at Padis can show you the hottest new styles that you will be sure to love. There are endless reasons as to why you would want to re-set your center diamond into a new mounting. Tired of your old setting, not happy with the quality of the ring, was not a design you truly wanted, or fell head over heels with a design you saw on Padis Jewelry’s Instagram account? When updating a ring or remounting your center diamond, there is always the question: well what can I do with my old mounting (setting)?! There are a number of different options, some naturally more cost-effective than others. The first option is to keep it! Some of us like to plan ahead and think in terms of taking care of those we love, so keeping your old mounting to make a gift for a loved one, or helping your soon to be son-in-law marry your daughter, is one sentimental option. You can set a complimentary cubic zirconia in it and keep it as a travel ring for vacations. The next option is to have it set with a colored gemstone. Sapphires, emeralds, and amethysts can turn your old mounting into a beautiful, colored-stone ring. This will allow you to keep your ring which may hold sentimental value and wear it as an alternative to your new engagement ring. Remember, no matter the shape of your diamond, it can be remounted into a beautiful new setting. It can be difficult to let go of something with so much personal value attached to it, but Padis Jewelry can help guide you toward the best option for what to do with your piece, and make sure you are well educated in all the different options. Still love your ring the way it is? Stop by for a complimentary cleaning service. You’d be surprised at what it can do! Whatever you choose, your rings should be always reflection of your love and spark memories of the moments shared throughout your life. Our team at Padis Jewelry is happy to assist you in any
way. Don’t hesitate to visit us at the store, give us a call or shoot us an email! Concierge@padisjewelry.com
PORTEOUS FAMILY DENTISTRY
Larry Porteous D.D.S. + Linda Porteous R.D.H.
“Let Our Family Be Your Family Dentist” We are celebrating 29 years in practice in the Bay Area. Our practice is dedicated to treating and preventing dental diseases in a friendly, relaxed atmosphere. It is our philosophy to give each person the same respect, care and concern that we would want to receive as a patient.
50% OFF
Teeth Whitening
for new patients (reg $450)
(925) 736-9000 3840 Blackhawk Road Suite 110 Danville Across Blackhawk Rd. from Draeger’s Market
Independently Rated Highest in Quality
NINTH CONSECUTIVE YEAR
If you have an aching tooth, want to maintain your good dental health, are interested in improving your smile or just have questions or concerns, please call our office. We look forward to meeting you. Providing Full Service Dentistry For The Entire Family
WWW.PORTEOUSFAMILYDENTISTRY.COM
34
JANUARY 2019
Consumer Protection Since 1934
Best Fine Jewelry
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The San Francisco Jewelry Center 101 Utah Street, Suite 201 San Francisco, CA 415-626-8288
The Padis Designer Galleria at the Gift Center 888 Brannan Street, Suite 128 San Francisco, CA 415-861-5388
The Gift Center 888 Brannan Street, Suite 165 San Francisco, CA 415-861-2325
ASK ABOUT OUR BLACKHAWK JEWELRY CONCIERGE SERVICE | 415-626-8288
Padis Romance St. Helena 1269 Main Street Saint Helena, CA 707-963-2288
VISIT OUR WEBSITE | WWW.PADISGEMS.COM
BLACKHAWK LIVING 35
Blackhawk 0482
LIVING
We’re bullish on the future. Yours. The world is changing fast. While change can provide opportunities, it also raises questions about the future. Through honest conversations about your life and your priorities, we’ll find out what you want your future to look like, and develop a strategy together to help make it happen. The Morasky Clay Group Mark Morasky, AAMS®, CRPC®, CPFA Senior Vice President Senior Financial Advisor 925.945.4879
Merrill Lynch 1331 N. California Boulevard Suite 400 Walnut Creek, CA 94596
mark_morasky@ml.com
fa.ml.com/the_morasky_clay_group
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and Member SIPC, and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value The Bull Symbol and Merrill Lynch are trademarks of Bank of America Corporation. AAMS® is a registered service mark of The College for Financial Planning. CRPC® is a registered service mark of The College for Financial Planning. © 2018 Bank of America Corporation. All rights reserved. ARGF6QCD | AD-11-18-0332 | 472094PM-0718 | 11/2018