JUNE 12, 2020
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Live a little better, a little easier, a little more secure
Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.
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– Mark Twain, 1835–1910, the pen name for Samuel Langhorne Clemens
ailing, fishing, racing, kayaking, or simply floating, the water is a place like no other. Whether it is a jet boat, a canoe, a bass boat, a cabin cruiser, or
a $10,000,000 yacht, it just doesn’t matter, as long as it floats. Well, okay, maybe it matters a little lol. When we are out on the water, everything else melts away. The glimmer of the sun across the waves, the sound of the water lapping on the sides of the boat. A beverage of choice, the laughter of friends. The cool breeze as the sun begins to set. Nothing quite like it. That is the “ultimate” for some, for others, it is a motorhome, a motorcycle, an airplane, a mountain bike, or a horse. It is that sense of freedom we get when we can escape from the day to day responsibilities and just let our hair fly in the wind. We happen to have a motorhome, that is our happy place. Once we get to where we are going, we blow out the slides, open the shades and the windows, roll out our mats, and place our 49er chairs for the perfect view. Next, we pop a bottle of wine and watch the waves roll in, and watch the waves roll out, watch the waves roll in, and watch them roll back out. As the sun sets, we start the fire. As we eat dinner, we visit with those around us, or not, as we, or they, see fit. It seems the quiet would be the attraction but, in reality, we hear the waves crashing, the birds nesting, the crickets chirping. Sometimes we talk the night away, laughing and telling stories. Other nights, we are quiet and pensive, listening to all that is not there. No traffic, no streetlights, no horns, no sirens, no engines. It is all those sounds, or lack thereof, that make it so relaxing…. Like being on the water at sunset. For many others, their sense of ultimate relaxation comes from being able to visit their grandkids, or start a vineyard, or visit some far away exotic land. Some just want to be free of any debt. For others, to be able to pay their bills, buy their groceries, pay for their medications, without wondering where the money will come from. We all have our very own, very personal dreams. I was not sure I would ever wonder or worry about retirement and security. When I first started offering reverse mortgages in 2008, I do not think I really, really understood the emotional and psychological shift that happens at retirement. I had a client say to me “you won’t know what retirement means until you see that there is no longer in-come, there is only out-go. Then you take a good, long, hard look at your assets and begin to wonder ‘how long are we going to live? Are they going to last?’ For all of us, in this age bracket, this is the second
major jolt to our financial security. 2008 already shook our worlds to the very core. I refer to the years 2007 – 2014 collectively as 2008. It began with pre-shocks in 2007. No one, myself included, thought what they saw coming could really happen. We were watching the train barreling toward us with eyes wide shut. We were all in denial. In 2008, the Richter scale went off the charts and it continued to rock our worlds for the next 5-6 years. I obviously knew on some level, we would come out the other side, I just did not have any vision as to what that would look like. Some of our friends and families, and perhaps ourselves, are still recovering. And now Covid 19. What the heck? The initial shock waves that hit the financial markets felt very much like 2008. The markets began to quiver, and then the slide began, and then the credit markets began to seize up. I had seen this before and stood there with my eyes wide shut. I did not want to do that again. I told my husband this is de ja vu. We all know people who have been tragically impacted by the events of the last 3 months. We will all survive, one way or another. Some better than others. The silver lining is, we will survive. This is confirmation that our security can get pulled out from under us in a split second. No one could have predicted this Pandemic. In a more general sense, no one can predict that the car will suddenly need $4000 in repairs, or an unexpected medical event, or loss of a spouse, or that one of our kids would need our help in such a way that “no” is not an option. The point is, unexpected expenses or loss of income, is just that, unexpected. How can we plan better for the “what ifs” in our lives? Even the ones that seem so farfetched that there is no reason to have to “plan” for them because it is one in a million? We would more likely win the lottery vs. face a pandemic, a shelter in place and a total shut down of our entire economy for three months. Who could have ever imagined? So, the ultimate question… how do we develop an insurance policy, of sorts, to ensure that our sense of security cannot be shaken as it has been twice in the last decade+? How do we make sure that our flotilla on the delta, or our trip to see the grandkids, or our kitchen remodel, or our ride through the mountains on horseback, cannot be turned topsy turvey ever again? What is the one security blanket that anyone, 60 or over, can count on to keep the balance? The one program that is designed to provide you with a roof over your head, perhaps a monthly income stream or a line of credit, or cash today to help your family get through these tough times? Today’s reverse mortgage is designed to provide you with this very sense of security. It is not the reverse mortgage of your grandmother’s era. So much has changed. We can pay off your current mortgage if you have one. This will eliminate your monthly principal and interest payment which would certainly improve your monthly cash flow. If you do not have a mortgage against your home that is okay too. We can set up a line of credit or provide a monthly income stream. Perhaps a lump sum of cash would be best to provide funds for repairs to your home or to catch up on bills. No matter what you are looking for today’s reverse mortgage provides the security and flexibility to help you to meet those goals. While you are out enjoying your favorite hobby, think about how you might be able to live a little better, a little easier, with a little less stress.
JUNE 12, 2020
Beth Miller-Rowe has been in the mortgage industry for 38 years specializing in reverse mortgages for the past 12 years. Beth has degrees in economics and business administration. Don’t let the unexpected sneak up on you. Be prepared. Find out for yourself how a reverse mortgage can give you independence, security, flexibility, and peace of mind. Call me today. Let’s chat and see if a reverse mortgage is right for you. If it is, great. If it isn’t, that is okay too, you will have made an educated decision. Stay safe and stay well. – Advertorial
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*Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency. **American Pacific Mortgage Corporation is not financial service company or licensed tax advisors; the material provided is for informational and educational purposes only and should not be construed as investment, tax and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors. We are not financial or tax advisors, please contact your financial professional for your personal financial situation.
BOATING & YACHTING
JUNE 12, 2020
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Foundation continues to serve, educate DAWNMARIE FEHR
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acific Coast Water Rescue Captain Services (PCWR) has a legacy of serving and
educating its community for the past eight years. The group’s six captains have over 200 years’ experience in maritime work from fire boat and military service to salvage and damage control. The captains can provide instruction on all types of vessels, educating boat owners and promoting safe practices. “The big new things we are doing are San Francisco Bay and Delta charters,” said John Garza, founder of PCWR. “Our education is the same, we offer training to the public for safe powerboat handling and also give private lessons so people can get trained on their boats and yachts.” Garza added he also offers Coast Guard-approved boat handling courses as well as insurance approved yacht instruction. He and his captains are certified CPR instructors, but he keeps prices low enough to just cover his costs, saying CPR training is, “something we like to offer the community.” Another new aspect to Garza’s business model is response to boating
The Delta’s Most Prestigious Marina
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Pacific Coast Water Rescue is continuing the work they have undertaken for the past eight years. This year they are branching out to include San Francisco Bay and Delta charters as part of their ongoing education and service model. incidents as Coast Guard captains with the ability to do salvage diving and hazmat identification. “Boats that sink, I’ll send divers, we will raise them, salvage the boat and tow it in, and if there’s a spill at a marina, they can call for us to assess the leak and stop it,” he explained. “Right now we are working with
six marinas, including the Discovery Bay Marina.” PCWR can oversee general and professional maintenance for its clients, ensuring necessary repairs are made by qualified mechanics. They have also become licensed dealers for Zodiac Tenders, Ranger Tugs and AKA Special Operations Boats.
Mike David, owner of Executive Autopilots out of Sacramento, has recently partnered with Garza and PCWR to finance a new Coast Guard-style rescue boat, enabling the group to become even more effective. Garza and David met when David was having some work done on one of his boats. He learned about PCWR and felt the organization was something good in the community and wanted to contribute. “I just want to help the water community any way that I can,” David said. “I told him whatever you need, we will buy it for you and you have a good business plan and you can do what you need to do . . . my plan is to get them as many supplies and equipment as they need for them to do their job and support them from the air as well.” As a longtime member of the airline industry and a pilot himself, David said he can help Garza’s team in the event of a rescue. “I offered my airplanes to help his efforts,” David said. “Maybe someone is in distress, we can go out and have a bird’s eye view and help them do their job efficiently and help people in distress.” Despite its growth, Garza said PCWR is still there for the community, as it has been see Foundation page 7B
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The threat of boating-related CO poisoning
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oating is a popular summer pastime. Few activities can be as relaxing and awe-inspiring
as a day spent on the water. Safety is an essential component of responsible boating. Veteran boaters know that the work is never done in regard to ensuring their vessels are safe for everyone on board. One potentially harmful component boaters must be aware of is carbon monoxide, often referred to as “CO.” Understanding CO and the threat it poses can help boaters and their passengers stay safe this summer. Understanding CO When carbon-based fuels burn, they produce CO. Gasoline, oil and propane are some common examples of carbonbased fuels. CO also can be a byproduct of gas-powered generators, cooking ranges and water heaters. CO buildup According to the Centers for Disease Control and Prevention, large boats, including houseboats, sometimes have generators that vent toward the rear of the boat. This venting makes people on the rear swim deck or water platform of the boat vulnerable to CO poisoning. The CDC also notes that traveling at slow speeds and idling can lead to a buildup of CO in
Photo courtesy of Metro Creative
Understanding carbon monoxide and the threat it poses can help boaters and their passengers stay safe this summer. the cabin, a buildup that can increase due to wind coming from the aft section of the boat. Poorly ventilated canvas enclosures, enclosed spaces, which can trap CO, and blocked exhaust outlets are some additional ways that CO can accumulate on a boat. The signs of CO poisoning The CDC says that CO can poison or even kill people who breathe in too much of it. As a result, it’s imperative that boaters and people who plan to spend time on a boat, learn to recognize the
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signs of CO poisoning. ♦♦ Headache ♦♦ Dizziness ♦♦ Weakness ♦♦ Nausea ♦♦ Vomiting ♦♦ Chest pain ♦♦ Confusion When on a boat, it’s important that people do not write any of these symptoms off as seasickness. Maintaining a boat The CDC notes that symptoms of CO poisoning may not be evident, so
it’s important that appropriate measures are taken to ensure boats are always in proper working order. When purchasing a CO detector for your boat, make sure to buy one listed by the Underwriters’ Laboratories as appropriate for marine use inside the boat. The following are some additional measures boaters can take to maintain their boats and reduce their risk and their passengers’ risks for CO poisoning, courtesy of the CDC: ♦♦ Properly install and maintain all fuelburning engines and appliances. ♦♦ Educate all passengers about the signs and symptoms of CO poisoning. ♦♦ Swim and play away from areas where engines vent their exhaust. ♦♦ Watch children closely when they play on rear swim decks or water platforms. ♦♦ Never block exhaust outlets, as blocking outlets can cause CO to build up in the cabin and cockpit areas even when hatches, windows, portholes and doors are closed. ♦♦ Dock, beach or anchor at least 20 feet away from the nearest boat that is running a generator or engine. This is important because exhaust from nearby vessels can send CO into the cabin and cockpit of a boat. Boating is a popular summertime activity. Staying safe on a boat involves protecting yourself and your passengers from CO poisoning. – Courtesy Metro Creative
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Now more than ever, marinas are a popular destination DAWNMARIE FEHR
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oating is the perfect outdoor recreational activity to get fresh air and exercise while maintaining physical distance between
households. This spring has seen large amounts of traffic on the Delta, and local marinas are working to keep boaters safe and healthy. Jamal Acito, new harbormaster at the Discovery Bay Marina, said heightened traffic is typical this time of year, but people seem especially eager to get out and enjoy the sunshine this season. “There’s been an increase in boaters on the Delta, due to lakes and state parks being closed,” Acito said. “Just because of a lack of the ability to do recreational stuff during the shelter-in-place.” Acito, who has been part of the Marina family since 1992, noted there aren’t any events planned this year because of restrictions on gatherings imposed by the county, but the launch ramp and gas pump are open, as are most of the businesses on the boardwalk. For people pulling their boats out of storage for the first time this summer, Chad Bernard of CB Marine Services said it is important to check on regular maintenance issues. “Make sure to have an inspection done before pulling the boat out of winter storage,” Bernard cautioned. “Impeller and oil changes are also real important to make sure the boat is ready.” Bernard suggested getting an oil change every 50
Photo by Greg Hanson/ Stoked Aerial Images
This spring has seen large amounts of traffic on the Delta and local marinas like Discovery Bay, above, are working to keep boaters safe and healthy. hours of use and changing yearly the impellers, the rubber portion of the pump that pulls in water to cool the engine. “There’s a ton of traffic on the water,” he added. “New boaters should be careful and pick their days carefully. Traffic is bad out there right now.”
Boating Marina
Big Break Marina has also been busy, and harbormaster Sean Towyenis reported the demand for boating and water time will go up after months of sheltering in place. “Everyone has been pent up and will want to break away from the humdrum and everything that’s terrible in the world and go out for a ride on their boat,” he said. “We are minutes from fast water, we have kayak rentals, stand-up paddle board rentals, and we are the cheapest launch ramp in the area.” Towyenis added new boaters should be careful and seek guidance from those with more experience. The Lazy M Marina on the Clifton Court Forebay was founded in 1972 by Dee Mygrant and her husband. Mygrant is still running the marina but did not open for the season until Memorial Day weekend. “I tried opening three weeks before that, but it’s only myself and one employee, and we are both over 60 and no one coming was wearing a mask or social distancing,” she said. “We decided we have to be careful, and it’s the same as last year . . . people are anxious to get out.” The Discovery Bay Marina is located at 5901 Marina Road in Discovery Bay. For more information, call 925-6345928 or visit http://www.discoverybayyachtharbor.com/. For more information on CB Mobile Boat Repair and Marine Services, call 209-407-9647 or visit https://www. cbmarineservices.com/. Big Break Marina is located at 100 Big Break Road in Oakley. For more information, call 925-679-0900 or visit https://www.bigbreakmarina.com/. Lazy M Marina is located at 5050 Clifton Court Road, suite C, in Discovery Bay. For more information, call 925-634-4555 or visit http://www.dbw.ca.gov/ BoatingFacilities/Details/515.
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The appeal of stand-up paddle boarding
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ecreational activities entice people to embrace the great
summer. Stand-up paddling is one such activity that has become more popular in recent years. Research from the Physical Activity Council (PAC), a collective effort on the part of eight leading trade associations in sports, fitness and recreation, found that 3.5 million Americans participate in stand-up paddling. Participation in the sport is split almost 50-50 by gender (51 percent female, 49 percent male), indicating that stand-up paddling is equally attractive to both men and women. In addition to serving as a relaxing way
spend minimal time and effort preparing for an outing. That makes stand-up paddling an ideal respite from the hustle and bustle of everyday life and a perfect way to spend some time outdoors for people whose
schedules suddenly clear up. Would-be paddlers who are curious about the availability of places to paddle should know that more than half of all stand-up paddlers travel less than 10 miles to paddle, proving that just about any body of water provides an opportunity to engage in this activity. People interested in stand-up paddling but unwilling to make any significant financial commitment before trying it out should know that 42 percent of people who do not own paddleboards rent them from local businesses such as on-site rental providers at boathouses or marinas and independent outdoor specialty stores. That makes standup paddling among the more accessible activities for people looking to enjoy the great outdoors this summer and beyond. – Courtesy of Metro Creative
includes a flashlight, warm clothing, cell phone, VHF radio and chart. For emergencies on the water, boaters should call 911 or Sheriff’s Dispatch at 925-646-2441. Be sure to file a float plan before you depart. Boating under the influence (B.U.I.) enforcement is a high priority. Those arrested for B.U.I. will face the same consequences as those who drive a motor vehicle under the influence, including fines
and possible jail time. The ‘ABC’s of Boating’, a handbook of boating rules, is available from most boating shops. Boaters can go to the California Division of Boating and Waterways website at www.dbw.ca.gov for information on boating safety and the California Boater Card. If anyone has any questions about boating safety, please contact the Marine Services Unit at 925-427-8507.
Stand-up paddling is one activity that has grown in popularity over the years, especially out on the Delta.
outdoors, particularly in
Photo courtesy of Metro Creative
to enjoy the beauty of nature, stand-up paddling gets some of its appeal from its relative ease of participating. The PAC notes that minimal equipment is needed to engage in stand-up paddling, participants typically
JUNE 12, 2020
Marine Patrol urges public to take care on the Delta on the water this summer, especially on the weekends, to go fishing, boating or take part in other recreational activities, like water-skiing. All recreational activities, such as boating, must be done in compliance with current social distancing and safety protocols as directed by the Health Officer Order. The Contra Costa County Office of the Sheriff Marine Services Unit would like to remind all boaters to be safe, alert and obey the rules. Here are some important ones: ♦♦ As of January 1, 2019, anyone 25 or under who operates a vessel that is propelled by an engine, regardless of whether the engine is the principal source of propulsion, must have in their possession a California Boater Card issued by the state. For more information on the California Boater Card, go to https:www.dbw.ca.gov. ♦♦ All vessels must have a U.S. Coast Guard approved life jacket for each person. The life
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jacket must fit the person intending to wear it. Children under 13 must always wear a life jacket while aboard any vessel, regardless of length, unless they are surrounded by an enclosed cabin or bulkhead. ♦♦ You must be at least 16 years old to operate a powerboat or personal watercraft. All persons on a personal watercraft are required to wear an approved life jacket. ♦♦ Boats over 16 feet are required to have an approved throwable flotation device, which must be readily accessible. ♦♦ Always travel at a safe speed. Slow down in narrow channels and blind areas and navigate on the right side of the waterway. At a cross waterway, the boat on the right has the right of way. ♦♦ Blue Light law — Any vessel approaching, overtaking, being approached, or being overtaken by a moving law enforcement vessel operating with a siren or an illuminated blue light, or any vessel approaching a stationary law enforcement vessel displaying an illuminated blue light, shall immediately slow to a speed sufficient to maintain steerage. Boaters cannot make a wake near a law enforcement vessel displaying a blue light. ♦♦ Always have an emergency kit that
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oating season on the Delta is
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JUNE 12, 2020
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Stay safe in the water year-round
S
pending time in and around
water is a favorite pastime for adults and children. Swimming,
boating, running through sprinklers and soaking in a nice warm tub can be great ways to relax and have fun. Even though water play can be exciting, it also can be dangerous. Drowning is the leading cause of death for children between the ages of 1 and 4 and the fifth leading cause of accidental death overall in the U.S., offers UCI Health. Calm rivers can hide swift currents, rocks and tree branches. Ocean rip tides and rough waves can confound even excellent swimmers. Lake waters can be extremely cold, even in summer, making it challenging for a person to stay afloat and avoid hypothermia. It is essential for everyone to play it safe when in and around water. Here are nine ways to do just that: 1. Avoid swimming or boating in high running water, making sure to always check
Foundation from page 3B since the beginning. “Our foundation, the Pacific Coast captains and swimmers, will continue covering activities and events that can’t be covered by police and fire for emergency
conditions before starting. 2. Never dive or jump into unfamiliar or shallow water, advises Seattle Children’s Hospital. 3. Obey barriers, such as markings for deeper ends in pools, fencing around pools and ropes in open waters. Barriers help reduce the risk of drowning considerably. 4. Life jackets should be worn by swimmers of all ages, especially during water sports like boating and jet skiing. 5. The Red Cross says strong swimming skills can significantly reduce the risk of drowning. According to the American Academy of Pediatrics, most children age four and older can learn to swim. Enroll in a family swim class to brush up on skills. 6. Have eyes on children at all times when they are in or around the water — both inside the home and outdoors. Employ “touch supervision,” which means always remaining in arm’s reach of the child. 7. Swim only in public swimming areas that are protected by lifeguards. 8. Do not mix alcohol and water recreation. Remain sober when boating,
swimming or supervising children who are swimming. 9. Drains in pools and spas can be deadly. The Mayo Clinic says to keep children away from drains, as body parts and hair can become trapped by the strong suction. Water safety is a priority all year long, but gets even more attention every summer. A few simple safety measures can prevent many drownings. – Courtesy Metro Creative
services on the water,” Garza said. “We will protect our community if there can’t be a sheriff, fire or coast guard boat at an event. We won’t turn away events that aren’t covered.” For more information on PCWR, call
925-337-2294, email john_tecsafety@ yahoo.com or visit https://www. pcwrcaptainservices.com/. For more information on Executive Autopilots, call 916-399-5969 or visit http:// www.executiveautopilots.com/.
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When playing in the water, whether it is a swimming pool or the ocean, it’s important to stay safe.
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