March 2014
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MARCH
2014 VOL 9 • NUMBER 7
Business Journal Central Valley
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StOCKtOn • traCy • lODI • ManteCa • latHrOP • lInDen • rIPOn
MODeStO • CereS • tUrlOCK • OaKDale • rIVerBanK
State’s drought debate Courting Millennials How credit unions are attracting the next generation.
Entrepreneurial Pharmacists Pacific pharmacy students learn that health and business can mix.
Page 27
ELIZABETH STEVENS/CVBJ
Linden rancher Kenny Watkins says the drought forced him to send calves to market early to reduce the number of cattle he had to feed.
Many in ag believe state should focus on water storage solutions
Stanislaus County’s big push to boost the graduation rate.
By CRAIG W. ANDERSON Business Journal writer
Page 40
WHAT’S INSIDE Publisher’s Notes............Page 2 Briefs.....................Pages 46, 47 Insight and Analysis......Page 40 Legals....................Pages 48-51
St. Mary’s students tackle Internet bullying in new video By MARIE SARDALLA-DAVIS Business Journal writer
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Destination Graduation
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LINDEN – Cattle rancher Kenny Watkins walked one of his pastures, checking his cattle one Sunday in late February. To the casual observer, the field still appeared green a couple weeks after the biggest storm to hit the state in more than a year. But a closer look showed how thin and dry the grass was.
“What we need is more rain,” said Watkins, who has been coping with yet another year of dry conditions by reducing his herd and feeding what’s left with expensive hay. Last year was California’s driest year on record and while the February rain wasn’t enough to turn things around, it was “better than nothing,” said Stanislaus County Assistant Commissioner Dan Ber-
naciak. “It was most beneficial for the addition to the snowpack which will provide some runoff. The rain helped orchards and alfalfa but did little to mitigate the overall drought effects.” The drought is a threat to the Central Valley’s $6 billion agriculture industry, but there is some help on the way. The U.S. Department of Agriculture designated 27 of California’s 58 counties as natural disaster areas meaning agricultural operators may qualify for low-interest emergency loans from USDA’s Farm Service Agency. Please see DROUGHT Page 6
STOCKTON – Kathy Smith, dean of students at St. Mary’s High School in Stockton, remembers her lightbulb moment when she believed bullying needed to be tackled head-on. She was listening intently to a child, who was describing the experience of being bullied. Smith was seated next to parent Tori Verber-Salazar, San Joaquin County deputy district attorney. “Tori and I looked at each other and said at the same time, ‘We have to do something,’,” Smith recalled. That “something” grew into the Empowering Young Women student organization at St. Mary’s High School. Now in its third year, Empowering Young Women has produced videos and invited speakers to on-campus events to spark discussion on cyber bullying, bullying, sexting, and social issues such as teen dating violence, friendship, betrayal and forgiveness. “The videos and speakers have also addressed human trafficking, eating disorders, incarcerated parents, addiction, discrimination and sexual identification,” said Verber-Salazar. “This year’s video is about the power of social media, both positive and negative, and how we might harness it for good,” said Barbara Daly, who collaborates with the students and brings the project to life through her video production company Daly Video Services in Stockton. The students involved in Empowering Young Women are the first to feel its influence. Two of them, Yasmine Barkett and Sydney Seligman, both 17, noted a rise in their own Please see EMPOWERING Page 10
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March 2014
Bring on spring and a friendlier business climate Looks like all the rain dances are paying off ! Our prayers were answered. Let it rain, rain, rain! We haven’t had the chance to snow ski once this year. No snow. Now it seems the opportunity is coming our way. It looks like losing weight from the horrible flu I had will actually have added value. Snow skiing has become a bit more strenuous in my middle age, so shedding a few pounds should help when hitting the slopes! One can only hope. Even better news than skiing is that our drought is lessening, and the farmers are beginning to break smiles. I hope the rain continues to pour. The state of the cities reports are flowing in, and one thing we all seem to have in common is an influx of new or expanded retail locations. More good news: city leaders from Stockton to Modesto and Turlock to Riverbank are becoming more focused on economic development. It seems they are all competing to see which community can be the most “business-friendly city in the Valley.” Losing the enterprise zones means that cities have to become more creative to attract new businesses. Efforts include streamlining permit processes and starting economic development teams in Stockton, Modesto and Turlock to attract new business to the area. One great example of this success
was Turlock’s ability to land the Blue Diamond processing plant last year. This was not done with tax incentives but through providing good service and fast tracking the permit process -- less red tape. It’s about time. If you’ve ever had to tread through the process of starting, expanding or moving your business, you know how Sharon frustrating it Alley Calone can be. If we must deal with government agencies to operate and expand our businesses, let it be a pleasurable experience, not a nightmare! About time we listen to folks paying for the mandatory requirements. Enforced by cities, the right hand must know what the left hand is doing. Common sense is not always so common, but it’s a great start and a relief knowing city leaders are responding to our concerns. Remember how we attract bees? With honey, not vinegar. Perhaps the next step will be a break in fees and taxes. One can only hope.
Publisher’s Notes
The Lodi Spring Wine Show, held at the Lodi Grape Festival Grounds on March 28 and 29 is sure to be a crowd pleaser. Learn how to make wine, sample gourmet olive oil and taste wines from more than 40 wineries without driving from winery to winery. Sounds good to me. The 29th annual Stockton Asparagus Festival will be held in downtown Stockton on April 25-27. It’s a leading fundraiser for the city’s non-profits. Volunteers are needed and there are still vendor opportunities available. If you’re looking for some health and fitness inspiration, head out to the Modesto Marathon on March 23. Hundreds of people go downtown to watch and cheer the racers as they cross the finish line. And here’s something interesting: According to the marathon’s blog, 61 percent of the approximately 1,400 runners and walkers signed up this year are women. There are also racers from Florida, South Carolina and one from the U.K.! New this year is the wheelchair category and assisted team division. I’m going to Groton Conn. at the end of the month. My son Blake is graduating C school! It’s been a year since he’s joined the Navy. Go Blake! Next stop, F school for six weeks, then on to five years of submarine duty. We are so proud. Taking a stroll down memory lane
I’d like to say how much little Shirley Temple meant to me growing up. She was everything I wanted to be. Her shining curls, tap dancing and PETTY OFFICER 3RD CLASS contagious smile BLAKE BENNETT ALLEY made my childhood days brighter. As a woman she became even more amazing, settling on politics in her adult career as a Republican U.S. ambassador! What a role model for all American women. Shirley Temple Black, you will be remembered and missed. The Book of Lists is now available. A special thanks to my staff, led by Dani Conley, for the countless hours spent compiling and verifying information, ensuring this book will be the best yet! Thank you, also, to our loyal advertisers and readers. Your continued support guarantees our future success. Look for your copy in the mail or drop by our Stockton or Modesto offices for your personal copy of the Book of Lists! God Bless America, Sharon Alley-Calone
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Four reasons John Mitchell is hopeful about 2014 STOCKTON -- John Mitchell, a consultant with M&H Economic Consultants and former chief economist for US Bank, told Stockton business leaders that 2014 is starting out stronger than last year. He gave his optimistic but cautious take on the economy at a breakfast hosted by Bank of Agriculture and Commerce on Feb. 6. “It is not a replay of 2013,” Mitchell said. “We did not have a big tax increase on the first of January. And because of the budget deal, we’re not facing another sequester in the next couple of months. It’s a very important difference. “ He called his talk “Transitioning and Hoping” and said there were reasons to feel optimistic: Housing: Prices are going up. Stockton’s prices were up 24.05 percent in the third quarter, and up 28 percent over five years. “I know we’re coming off a low base, but Stockton had the most rapidly rising housing prices in the country,” Mitchell said. He also pointed to the fact that 13 percent of Californians are underwater on their mortgages, a figure that’s about the same as the national average, and much lower than it was a few years ago. Net worth: Rising home values have contributed to Americans’ rise in net worth, Mitchell said. Adjusted for inflation, households have recovered a little over 98 per-
cent of the net worth that was lost, according to the Center for Household Financial Stability. “We’ve come back significantly,” Mitchell said. Net worth recovery started in the financial market in the spring of 2009 and then spread to the residential market. Rising home prices led to the breadth of recovery, Mitchell explained. Debt: From the latter part of 2008 through 2011, there was a decline in total household debt, which Mitchell said was largely on the mortgage side. But now, consumer debt is on the way up, a sign consumers are spending and contributing to the economy again. “The rebound in housing brings with it an increase in durable spending, oftentimes involving credit,” Michell said. “So you’re seeing consumers who have passed that de-levereraging process. That period where everything was going down.” Mitchell pointed to rising car loans, student loans and credit card debt. Fiscal policy: The sequester went into effect in March 2013. It called for $85 billion cuts over a relatively small, concentrated part of the federal budget, which meant, among other things, the federal government was participating less in the economy. There was danger a new set of cuts would be triggered in 2014 if a budget deal couldn’t be reached. “As you watch this unfold, it struck
ELIZABETH STEVENS/CVBJ
Economist John Mitchell gives an animated and broad overview of the economy before a group of business leaders at the University Waterfront Hotel in downtown Stockton.
me it’s a Let’s Make a Deal moment because you’ve got some people very concerned about the cuts on the defense side; others are concerned about cuts on the non-defense discretionary side,” Mitchell said. Reps. Patty Murray and Paul Ryan put together a package that prevented an increase in the sequester in 2014, which avoided an additional tightening in fiscal policy. There are still some uncertainties, Mitchell said, including the outlook of the global economy. In addition, the Federal Reserve has begun tapering,
or reducing its purchases of longterm bonds, which has caused longterm interest rates to rise. And then there is the drought, which many people worry could trigger stagnation just as the economy is beginning to show real signs of recovery. Mitchell ended by saying that when better balance sheets, lower energy prices, employment gains and the housing recovery are taken into account, overall, 2014 looks as if it is poised for faster growth. “On balance, I think you have to be optimistic about 2014,” Mitchell said.
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Growth, budget hot topics in State of the City
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Modesto Mayor Garrad Marsh presented his State of the City address to an audience of about 50.
MODESTO -- The push and pull of politics are visible as Modesto leaders grapple with the city’s general plan, which will guide the way the city grows over the next few decades. The debate stood out Feb. 26 as Mayor Garrad Marsh presented his State of the City address in Council Chambers and announced that Modesto will take another look at its controversial decision to include the Wood Colony farming community west of Highway 99 in its plans. Marsh said the Council would consider removing all the Wood Colony additions from the general plan. He then clarified that the Council will discuss removing 1,254 acres designated as agricultural land from its general plan but will retain 1,150 acres for commercial use. The issue will come before the Council on March 25. Marsh discussed a range of growth issues during his speech. One was the
Port of Stockton ‘uniquely suited’ for UP rail welding facility project STOCKTON -- By the end of the year, Union Pacific will be fabricating steel rails longer than four football fields at an $18 million welding facility the Stockton Port Commission approved in February.
“It’s a great project,” said Port Commissioner Michael Duffy. “We have 37 acres uniquely suited for rail.” Duffy said 480-foot-long rails will be brought to the Port from Japan.
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March 2014
downtown master plan, which he said promotes multiple uses. “The choices have allowed the the city, for the first time in its history, to return 1,500 acres of planned housing back to use as prime farmland,” Marsh said. Preserving farmland is a priority, Marsh said, citing another general plan motion that mandates that if Modesto adds more land, it will preserve an equal amount of farmland. Another general plan provision that will require new housing to pay for its police and fire needs, so that development pays for its impact. The mayor also highlighted the health care industry in Modesto, saying the city is a “magnet” for medical services. “From Sacramento to Fresno, no other community hosts such a diverse selection including three fullservice hospitals and their ancillary services,” Marsh said.
He went on to mention the new VA Clinic on Oakdale Road and Central Valley Specialty Hospital, located downtown, both of which opened last year. He also said Davila Dialysis just finished construction and a Health South Rehabilitation facility is slated to open next year. “There are more in the works. Modesto is a medical star,” he said. Marsh said Modesto is in better shape water-wise that many other cities because of “difficult decisions made over 20 years ago.” Consequently, he said, Modesto will be able to provide all of its local water needs. However, he cautioned that conservation during this dry period was still needed. The mayor also touched on the failure of voters to approve Measure X, which will mean $5 million in cuts to city services.. Most of the cuts will hit police, fire, parks and roads. “Difficult choices that will not please anyone,” Marsh said. “But they are the choices your Council will make.”
It will take eight to 10 days to unload using a crane with three arms. Then the rails will be taken to the Union Pacific facility where they’ll be welded into 1,440-foot lengths and then shipped throughout the country on specialized rail cars. According to Duffy, the Port of Stockton, with its maritime, manufacturing and rail components offered what Union Pacific was looking for.
“Most places don’t have the same kind of setup,” Duffy said. “We have the whole package right here.” The project will employ 10 full-time welders who will make $50,000 a year, Duffy said. It will also require about 30 longshoremen. The construction phase of the project will employ between 75 and 100 workers. Duffy said it would add about $250,000 to the tax base annually.
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March 2014
New technology provides water-saving options
Conservation demands drive boost in business for irrigation companies By KENT HOHLFELD Business Journal writer The drought that has plagued California for the last three years has caused many businesses and homeowners to take drastic conservation measures and caused headaches across the state. One group that hasn’t been hurt by the sunny skies and dry conditions are those involved in irrigating the area’s crops and landscaping. “We are expecting a 15-25 percent increase in business,” said Peter Bernadicou, owner of Golden State Irrigation. “We get a lot of calls about working on older systems.” Many area agricultural fields that Mother Nature used to take care of now have to be irrigated. That, combined with cuts of water deliveries from area water districts, have forced some farmers to reactivate wells that have been dormant for years. “Reactivating a well could be a substantial cost.,” said Bernadicou. “You can get into the high five figures for sure.” One of the biggest changes in agricultural irrigation in the Central Valley has been the move away from flood irrigation toward drip irrigation. Flood irrigation uses broad sheets of water moving through a grid of ditches, propelled only by the pull of gravity. While it’s a tried and true method, it’s also imprecise and uses relatively large amounts of fresh water. Drip irrigation, by contrast, uses pressurized drip lines to deliver more precise measures of water to specific crops. “Farmers have been pretty progressive in this area when it comes to using more
CVBJ
PHOTO COURTESY PACIFIC SOUTHWEST IRRIGATION
Central Valley irrigators expect as much as a 25 percent increase in business helping farmers provide water for crops.
efficient methods of irrigation,” said Pacific SouthWest Irrigation owner Jim Clare. “You not only get the economics of water; you get better production.” According to Department of Water Resources data, approximately 38 percent of the state’s farmlands use “low volume” methods, which include pressurized drip irrigation. That is up from just 15 percent that used similar methods during the last comparable drought in 1991. For many years, it was believed that row crops couldn’t use drip irrigation because tractors had a hard time getting into fields littered with fragile irrigation lines. New technology, such as GPS devices, allow farmers to avoid damaging irrigation equipment. The move to drip irrigation is one way that area farmers are dealing with
long-term water issues they are facing. Many area growers have more immediate problems, however. “It’s a little more chaotic this year,” said Clare. “A lot of these things are really not planned out. It becomes more of a panic situation.” That is where temporary rental systems come into use. Irrigation companies are seeing a big increase in that segment of their business. Growers would would normally depend on rainfall to help the germination of their seeds are now forced to bring in sprinkler systems. Those systems tend to be less efficient, and they are typically used for a shorter time span. “We rent a lot more equipment and a lot more portable equipment during droughts,” said Clare. “We run a lot more pipe. There is
a lot of temporary irrigation systems that are needed to germinate the seeds.” While companies focused on irrigating area agricultural lands have seen significant changes in their business, those focused on urban landscaping have seen far less impact from the drought. A large part of that is because home and office irrigation systems use far less water than agricultural interests. In California, depending on what measurement is used, 60-75 percent of water diverted for human consumption is used in agriculture. “It hasn’t really affected us because there hasn’t been any restriction yet (in San Joaquin and Stanislaus counties),” said Don Cooper, manager of Normac Irrigation & Landscaping Supplies, which focuses on home and office landscaping. Cooper said that home and office irrigation businesses are still recovering from the recession. He also said that most landscaping already use low-flow heads and have systems that have improved water efficiency. “It used to be sprinklers would just dump a lot of water out,” Cooper said. “Even the worst of them today are more efficient than they used to be.” Still, he said there is room for improvement. Use of rain sensors and underground systems could improve urban efficiency. “This area is a little behind the curve on some issues,” said Cooper. “Certain cities are more forward in implementing new standards.” He said that some Bay Area communities use underground systems that are more efficient, but homeowners often shy away from. “Sub-surface irrigation is more efficient,” said Cooper. “We will see a lot of that in the future if this continues. But, right now, homeowners want to see it working.”
DROUGHT Continued from Page 1
“In addition to Gov. Brown’s (drought declaration) we’ve got the secretarial USDA declaration and a Small Business Administration declaration, so we’re pretty much covered,” San Joaquin County Agricultural Commissioner Scott Hudson said. Bruce Fry, Lodi area farmer and winegrape grower, voiced the opinion of many in agriculture who believe the state needs to find a long-term solution to California’s water problems. “Now is the time for the state Legislature to start work on storage, to put a long-range plan in place. If storage had been initiated as planned years ago, we could be using that water now,” Fry said. It would come in handy, as meteorologist Matthew Rosencrans of the National Weather Service predicted at least three more months of dry weather. “A Miracle March isn’t likely.” Politicians are proposing plans to help drought-afflicted areas. Assemblymember Dan Logue, R-Loma Rica, introduced AB 1445 a $5.8 billion bond
measure to fund two storage projects. “If we get this bond we may not need those tunnels,” he said, referring to the controversial plan to use two huge tunnels to ship water south from the Sacramento-San Joaquin Delta. “We’re headed into potential disaster and …we need to be proactive.” “This drought would be a moot point if we’d been able to build storage,” said Michael Marsh, president of the Modesto-based Western United Dairymen. “The drought’s not good for any crop. Cattlemen relying on pasture are now buying feed which will probably affect beef prices because that hay’s very expensive.” At the federal level, bills have been introduced in both houses of Congress. The U.S. Senate bill includes technical elements such as keeping “cross channel gates” in the Delta open in an effort to improve water quality and facilitate water deliveries along with $300 million in drought aid. The bill also calls for streamlining fed-
eral decision-making on projects such as reservoirs. The House bill includes building two dams on the San Joaquin River, repeals the river’s restoration program, extends irrigation contracts to 40 years, and supersedes environmental mandates. The changes would be permanent. The White House has promised money, including $100 million in livestock disaster aid, $60 million for food banks, $13 million for conservation and help for rural communities. Rep. Jeff Denham, R-Turlock, said in a statement: “I appreciate the president’s long overdue visit to the Valley … [and] while I’m grateful for his willingness to direct money, what we need is more storage to withstand the impacts of drought … no more excuses. No more delays. We need bipartisan leadership before more jobs are lost.” The drought has also caused major cutbacks in water allocations from the Modesto Irrigation and Turlock Irri-
gation districts, said Stanislaus Farm Bureau Executive Director Wayne Zipser. “This isn’t our first rodeo and we should have enough water to get through this with increased reliance on groundwater. No doubt, however, that 2014 will be a difficult year.” Zipser added, “Having storage will make a huge and positive difference” and that “we, as an industry, need to remain vigilant even in good times.” San Joaquin County Agriculture Commissioner Scott Hudson said potential impacts of an extended drought include more difficult planting decisions; an uncertain market that will make lenders reluctant to lend; decreased yields as a reduced water profile stresses trees, vines, and other crops; increased irrigation costs; and growers facing more frost damage due to early bud-break and blooming. “The consequences of drought are startling but one good result is, it focuses attention on what needs to be done … and that’s storage,” he said.
March 2014
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March 2014
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Monte Vista Crossings expansion set to open before Christmas TURLOCK – Before the next Christmas shopping season, Turlock’s Monte Vista Crossings Shopping Center will expand and offer new choices for clothing, home and sporting goods shoppers. New stores include Maurice’s, a women’s clothing store; Jo-Ann Fabric and Craft; Kirkland, a home decor store; Justice and Brothers, a clothing store for teens; Tilly’s, a surf and skater clothing store; and Dick’s Sporting Goods. In all, there will be 12 new stores and more will be announced in the coming months. The new stores mean more options, not just for Turlock shoppers, but for people from all over the region, from Snelling to areas west of Interstate 5. Turlock economic development officials say the trade area’s economic footprint is about 300,000 people outside Modesto and Merced. “We seem to be filling that plug between Antioch, Gilroy and Clovis,” said Assistant to the City Manager for Economic Development and
Housing Maryn Pitt. “Monte Vista considered a power center because of how far it draws from.” The expansion for this second phase of Monte Vista Crossings will be on the 19-acre parcel owned by Hall Equities Group south of Kohl’s and Olive Garden, off of Countryside Drive. It will add about 109,000 square feet of space. Turlock has been working hard to attract businesses to the city, believing it needs to “work hand in hand” with developers. “We’re turning around grading permits and utilities, and we fast track the permitting process,” said Pitt. The focus on customer service became especially necessary after the state eliminated enterprise zones. “We don’t have any tools left in our bag, but what we can offer is a streamlined permitting process,” said Pitt. The city has also been in a position to upgrade key areas. During the mayor’s State of the City address on Feb. 26, Mayor John Lazar pointed to the new Public Safety Building
ELIZABETH STEVENS/CVBJ
Monte Vista Crossings will add Dick’s Sporting Goods, Jo-Ann’s Fabrics, Tilly’s, Kirkland’s and Justice this year.
that was constructed next to the Carnegie Arts Center on Broadway in downtown Turlock. “It represents the best of what the redevelopment agency was designed to do,” Lazar said. “It complements the Carnegie Arts Center. Pitt said the investments and ex-
tra effort are beginning to pay off. Sales taxes are returning to prerecession levels. “We’re perched to take advantage of the coming turnaround,” Pitt said. “It’s good when you’re so busy downtown that people complain about parking.”
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Dick’s Sporting Goods will occupy part of the former Gottschalks store at Sherwood Mall.
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STOCKTON -- Dick’s Sporting Goods is scheduled to open at Stockton’s Sherwood Mall this autumn, Stone Bros. Management announced. The national sports equipment and clothing retailer will take over the spot that was occupied by Gottschalks in the mall. Dick’s Sporting Goods has more than 500 stores nationwide, including another Central Valley store at Vintage Faire Mall in Modesto. Stone Bros. also said Dickey’s Barbecue Pit is continuing is expansion throughout the Valley by opening a new restaurant at Sherwood Mall. The chain has 375 restaurants and has been expanding quickly through
the Valley. It also has restaurants in Modesto, Turlock and Lodi. Across the street, at Stone Creek Village, a number of new stores are opening, including European Wax Center. Yogurtland, a self-serve yogurt shop, is coming to the village in the spring, and a Charming Charlie fashion jewelry and accessories store is scheduled to open this summer. Additionally, Saigon Bay at Robinhood Plaza is expanding. At Sherwood Plaza, another Asian restaurant, called Quickly, will be ready for business this spring. Called an Asian fusion cafe, that restaurant will sell fruit slushes, Vietnamese sandwiches, frozen yogurt and gelato.
March 2014
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Retail expansions coming in Riverbank, mayor says By ELIZABETH STEVENS Business Journal editor RIVERBANK – Riverbank has seen a boost in economic activity over the past year thanks to cooperation between the city, the business community and other organizations, Mayor Richard O’Brien told city leaders and residents at his State of the City address Feb 12. “Our city is much better off than when I last gave this address,” O’Brien said, citing “great strides” in retail additions, housing improvements and richer in community events. On the retail front, Crossroads shopping center at the corner of Oakdale and Claribel roads, saw the addition of BevMo, Krispy Kreme, 2Die4 Boutique and Togo’s sandwich shop in 2013. This year, construction is underway on a new standalone building that will house an Ulta cosmetics store and O’Brien said there were talks underway with other retailers. Crossroads is looking to expand west, across Oakdale Road into what is now Dutch Hollow Farms. City Manager Jill Anderson said such an expansion has been included in the city’s general plan and would involve annexing the property.
“That wants to be developed in the next year-and-a-half to continue the Crossroads shopping center,” O’Brien said in an interview after his speech. “There’s some big names that we’re trying to get.” The State of the City address was held at the Galaxy 12 Theatre on Patterson Road, which will undergo a $3 million renovation this year. O’Brien said the city is working on its general plan to facilitate what he called “high-quality” growth with three goals in mind: • Significant retail development beyond the city’s current footprint • Master developer for the Riverbank Industrial Complex • The development of the old Contadina Plant “The specific plan for the downtown will facilitate revitalization of the Contadina Plant, specifically the ability to work with the owners of the old cannery site as they begin to seriously consider how to redevelop the site,” O’Brien said. O’Brien also mentioned the passing of Scott Pettit, the owner of Black Belt Academy, who, along with his wife Janet, was murdered in August. “He and his wife Janet were taken from this community in a very tragic
ELIZABETH STEVENS/CVBJ
Among the changes Riverbank can expect this year is a $3 million remodeling of the Galaxy 12 Riverbank Theater on Patterson Road.
way,” O’Brien said. “Scott was a humanitarian who gave much to this community. His contributions will long be remembered and the best way we can honor his memory is to individually and collectively take his lead and make this community better.”
* WEB EXTRA:
Read the transcript of our interview with Mayor O’Brien at cvbj.biz/interviewriverbank-mayor-richardobrien/
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March 2014
QUICK FACTS: PRIVATE SCHOOLS
EMPOWERING Continued from Page 1
awareness of issues affecting women as they worked to raise the level of awareness in peers and parents. Barkett and Seligman, both seniors, serve as co-presidents of Empowering Young Women. “I’ve become more aware of the people I choose to surround myself with,” Seligman said. “Some people are more unaware of issues such as the glass ceiling and workplace etiquette. I’ll be more selective about where I work. It’s really important to me that it’s an environment that is supportive of who I am and of women in general.” A recent survey showed the average teen texts about 200 times a day, according to Stephen Balkam, president of the Family Online Safety Institute. In a 16-hour day, that’s one text every five minutes. The sense of urgency carries over to social media unless teens are encouraged to question the habit. “I no longer have to go on Facebook and Instagram ‘right now,’ I pay more attention to the people around me,” Barkett said. As with the past years’ videos, this one debuted at an event on campus that also featured a speaker. This year, Empowering Young women invited Redwood City-based Luann Tierney of Juniper Networks, who discussed “Twelve Steps to Packaging Yourself for the Future.”
• 30,861 private schools in the United States in 2011, according to U.S. Dept. of Education • 6,462 students enrolled at Central Valley private schools listed in the Book of Lists • For the 2011-2012 school year, national private school full tuition averages were: ► $7,770 WAYNE DENNING/CVBJ
St. Mary’s students Marilyn Sosa, Sydney Seligman, Shawni Griffin, Ginika Dike work in this year’s Empowering Young Women video.
“We are trying to send a positive message with the video,” Barkett said. “We didn’t want to be critical or judgmental when we presented it to all the mothers and daughters. There are a million good things about social media and also a lot of dangers. You have to be careful not to post something that might wreck your chances of getting a job or getting into college. Teenagers don’t think about that. We’re just trying to make them aware so no one is damaged in the future.” Seligman added, “People often disregard what we’re saying. They think,
‘I’ve gone so long without knowing this, and I’m fine.’ They don’t understand the underlying effects on a person and on a generation if it continues to progress in a negative way.” As they consider the future for themselves and the next generation of women, Seligman reflected, “I’d want my (future) daughter to know that she has a support system, that she is not isolated. Women are there to love you, support you, and get you through the bad times.” The video was shown at the annual Empowering Young Women dinner Feb. 27.
for elementary schools ► $13,030 for secondary schools ► $13,640 for combined schools • Oldest school on the List: St. Mary’s High School, established in 1876 • Newest school on the List: Vineyard Christian Middle School, established in 2004
SOURCES: Dept. of Education and Book of Lists
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Modesto celebrates Archway Commons housing project By ELIZABETH STEVENS Business Journal editor MODESTO – The city of Modesto and nonprofit housing corporation EAH Housing held a formal grand opening for Archway Commons, an affordable housing apartment complex at 1101 Carver Rd. The first tenants began living in the complex in August 2013, but the city and developer held a celebration Feb. 12. “I’ve been waiting for this day for seven years,” said Mayor Garrad Marsh. He added that the complex was a catalyst to improve the neighborhood, which is visible from Highway 99. “It used to be an ugly trailer storage area. It was the best impression of the city.” The complex has 76 apartments, which EAH said are designed to be affordable for families earning up to 60 percent of the Area Median Income. EAH President and CEO Mary Murtaugh said the complex provides Modesto with much-needed affordable housing for working families. “They’re all working two or three minimum wage jobs trying to keep things stuck together, and if anything goes
wrong –, you know, the car breaks down, you have a medical emergency – one thing goes wrong, you can end up being homeless. It’s a big problem,” Murtagh said. As California’s housing crash is sorting itself out, according to Murtagh, low-income families have been left out of the recovery. “The drop in housing foreclosures, we were all hoping would mean that more low-income people would end up in ownership -- that hasn’t happened,” Murtaugh said. “It’s really favored wealthier people and speculators predominantly, but we’ve really seen happening is there’s this surge in people who are paying too much for rent.” A one-bedroom rents for $532, two-bedroom rents for $330 to $609 and three-bedroom rents for $377 to $800. Rents are set according to each household’s size and earned income. There are apartments designed disabled residents in mind; covered parking has solar panels; and there are raised beds so residents can have a community garden. EAH said it had been working on the complex for about seven years. That includes getting financing and acquir-
ELIZABETH STEVENS/CVBJ
Archway Commons, located on Carver Road, provides housing for 76 families, and is serving as the catalyst for neighborhood improvement.
ing the land. The project was paid for with $6 million from the former Redevelopment Agency and $2 million in federal funds. Construction began in June 2012 and finished last November. The complex is fully occupied. Kelly Bryant moved in with her husband and two children in August. She said the apartments are more conveniently located and affordable than their previous home. “I have a three-bedroom apartment.
My husband was actually unemployed for a year, all last year. So we struggled a lot,” Bryant said. Huff Construction was the general contractor, and Chris Loman & Associates was the architect. Finance partners included Hudson Housing, J.P. Morgan Chase and the city of Modesto. The city plans a second phase with an additional 74 apartments next to the current site when funding becomes available.
Delta tunnel plan comment period extended Online options for farm labor contractors The public comment period has been extended by 60 days for the Draft Bay Delta Conservation Plan (BDCP) and the associated Draft Environmental Impact Report/Environmental Impact Statement (EIR/EIS). The public will now have 180 days to look over the proposal and comment on it. That period is four times as long as the usual comment period. The extension is a response to complaints that the previous comment period was too short to properly review all the documents in the plan. The EIR/EIS alone is more than 40,000 pages. “Keeping with our continued effort of transparency, additional time has been granted for review of the Draft BDCP documents facilitating greater public involvement,” said
Secretary for Natural Resources John Laird. “All public comments received on the draft documents will be carefully evaluated and addressed in the Final EIR/EIS.” The BDCP calls for the construction of twin tunnels that would extend beneath the Sacramento-San Joaquin Delta for about 35 miles. The tunnels would redirect fresh water from the Sacramento River before the water could flow into the Deltas and then ship that water to the pumps of the State Water Project and federal Central Valley Project. Comments must be received electronically or postmarked on or before June 13, 2014. The documents can be found and comments can be made at www. baydeltaconservationplan.com.
OAKLAND -- The California labor commissioner has announced a way for Farm Labor Contractor (FLC) applications to be processed online. “Since I became Labor Commissioner, I have heard complaints about our process from the FLC community, and this upgrade to our services shows that we are listening,” said Labor Commissioner Julie A. Su. “We want to make it easy for employers who want to comply with the law to do so and crack down on those who don’t.” The Department of Industrial Relations said the new system would provide a convenient alternative to applying in person or by mail, and also allows for efficient renewal of FLC licenses. Users will now be able to upload a scanned version of required docu-
ments, pay fees by credit card or electronic fund transfer, view the mandatory eight-hour training class and submit their completed application entirely online. The number of days to review and process the FLC licenses has decreased from an average of 60 days in 2010 to 20 days in 2013. In 2011, an on-line verification of FLC registration status was introduced. “This is a critical industry in California,” said Su said of agriculture. “We have been steadily improving services to FLCs and to encourage growers to utilize only registered contractors who comply with all labor laws.” The online application is available at the labor commissioner’s FLC page at www.dir.ca.gov.
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March 2014
COMMERCIAL REAL ESTATE
Pros and cons of investing in commercial real estate Last month I had the opportunity to broker the largest sale of my career so far. It was the College Square Phase I shopping center at the corner of March Lane and Pershing Avenue in Stockton that is anchored by Hobby Lobby and Planet Fitness locations. It sold with an eight-digit sales price. Most commercial real estate sales in this area are not that large but, no matter the size, the pros and cons of investing in commercial real Joe Muratore Principal, estate are often NAI Benchmark very similar. First Commercial First, let’s clarify what we mean by “commercial real estate.” Commercial real estate is generally everything but single family homes. It includes warehouses, office buildings, retail strip centers, hotels, shopping malls, gas stations, churches, apartment buildings and many other mixed use types of buildings. Here’s a breakdown of the pros and cons: Pro—Income Potential: Most people invest in commercial real estate for the income potential and a higher level of return on their investment. If you put your money in a bank you may get a 1 percent annual return on investment but with commercial real estate you can generally expect a 5 percent-12 percent return. With a 5 percent return you would likely be buying a building that is leased by a national credit tenant like Walgreens that had just signed a new 20 year lease. With a 12 percent return you would likely own a lower quality office building with local tenants that you had procured after buying the building at an excellent price. Pro—Financing: You can finance the purchase of real estate, which can add additional risk but can also increase your return, depending upon your interest rate and your rate of return on the building. Most other types of investments are not financeable the way that real estate is. Pro—Business Environment: Another great feature is that commercial real estate is a professional business. You are generally working with business people during normal office hours. Sometimes these are people
Business Space
you like and enjoy working with. Residential investing can often have weird hours and unstable tenants. Also, most tenants do their business in view of their customers and have a vested interest in maintaining the appearance of their space. They are less likely to trash it or maintain it poorly. Con—Market Volatility: Commercial properties are much more vulnerable to shifts in the overall economy than single family homes. Changes to industries, technology or the general economy can quickly change the tenant landscape. For example, there used to be a Blockbuster Video store on every corner. That is not the case anymore. Twenty years ago, few people had heard of Starbucks and Walmart stores were a new concept on the West Coast. Now it is difficult to imagine them not existing. If you own a shopping center and several of your tenants go out of business, you could be in deep trouble and potentially lose the property. Con—Initial Investment: One of the downsides is that commercial real estate generally requires a much larger initial investment. Most commercial buildings are valued at more than $700,000 and it is very common for them to be in the $1 million-plus range. Many of the shopping centers and office buildings we sell as investments are in the $1.5 million to $4 million range. There are also additional risks. Con—Repairs: Maintaining a building can be expensive, and it is very important that you are prepared for when your roof reaches the end of its useful life or your HVAC system goes out. These types of expenses can often be in the $15,000 to $50,000 range in repair costs. When working in this space it is very important that you work with great real estate professionals. These brokers, attorneys, bankers, property managers and accountants are not inexpensive to work with but they are in the business of providing more value than they cost by ensuring that you do not overpay, that your risks are well managed and that your rewards are projected and achieved accurately. As is often said, commercial real estate is a luxury of a business. When done right, it is a very professional and relationship-oriented business. In my career of nearly a decade, many of my clients have become friends and I have enjoyed contributing to their long term success and being worthy of the high level of trust that they place in me.
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March 2014
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Arguments mount against urban sprawl Study: Suburban driving biggest contributor to Valley emissions Last month, I wrote about the well-intentioned but short-sighted green building ordinance under consideration in Stockton that would have required costly upgrades for energy efficiency in the renovation of older homes. In that article I wrote that while older homes do use more energy, those emissions pale in comparison to automobile emissions from newer areas where driving is required. Rather than saddle potential homeowners with more costs, it makes more sense to encourage people to live in older neighborhoods that require less driving. Earlier this year, research released by UC Berkeley’s CoolClimate Network reaffirmed this view, finding that most of the Central Valley’s emissions come from suburban areas. It found emissions in the region rise farther out from each city’s core. In fact, homes around downtown Stockton (95202 ZIP code) have the lowest emissions by far, averaging less than half of some suburban
homes in the far northwest corner. As you venture farther out, older ZIP codes exhibit slightly higher emissions, and the areas on the outskirts turn out to be the biggest polluters overall. Stockton’s highest polluting ZIP code is 95209, with homes accounting for an annual average of 51.2 metric tons of CO2. ZIP code 95357 in Modesto accounts for 51.4 (the national average is 48). This shouldn’t come as a surprise as residents in outlying areas have to drive more, thus emitting more pollution. While emissions come from different sources, the Berkeley report confirms that driving is the main culprit behind the Central Valley’s pollution woes, with most automobile emissions coming from suburban ZIP codes. The report breaks down household emissions by source, and the differences between central and suburban ZIP codes are stark. Transportation takes up the largest share of emissions for each ZIP code, except for
downtown Stockton. As you move farther from the core, transportation emissions rise. The information presented by the Berkeley report tells us two things. First, emissions are worst at the periphery, largely because of driving patterns. As I have written before, the real problem with our air quality is excessive sprawl and the driving habits it encourages. While older homes are leaky, David Garcia they are close to Editor/Blog amenities and Stockton City Limits therefore do not require as much driving. The data from Berkeley shows the region’s greenest ZIP codes are the ones closest to city cores. The greenest policy a city could undertake would be to focus new growth inward. Second, if we want to get serious about cleaning the air through better land use, infill development
Smart Growth
alone won’t get us there. The report’s authors conclude that even though there is a positive correlation between density and air quality, those gains vanish once you take into account the corresponding increase of suburbanization that generally follows in a growing region. This is of particular concern here in the Central Valley. Even if Stockton were to reach its goal of 4,000 new downtown housing units by 2020, there are still around 30,000 “paper lots” already approved for development on the city’s outskirts. And even if Stockton halted all suburban development, building in other areas may negate any air quality gains. Lathrop, for example, has broken ground on a suburban project that will eventually include 11,000 new homes. While we may see infill development take hold in the coming years, allowing sprawl to continue would easily negate any real air quality progress. Will Central Valley leaders resist new suburban homes, even in the face of increasing pressure from suburban developers? I certainly hope so, because if not, it’s bad news for anyone breathing Central Valley air.
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How a captive insurance company could work for you your premiums. To be deductible to your regular business of course, they must be ordinary and necessary business expenses as defined in IRC 162 and as interpreted by the IRS. The actuarial report is generally accepted by the IRS to substantiate your premium, if you aren’t too greedy. Multiple questions arise. What is an insurRichard Calone ance company? Calone & Harrel It is a company Law Group whose income for the year is more than half raised from premiums. Then premiums are paid to shift the risk of loss to the captive utilizing risk distributions. Risk distribution utilizes the standard theory of the law of large numbers. In other words, assuming numerous independent risks over time reduce the chance that a calamity will exceed the premium to the captive. Some of the accumulated risks could be supply chain interruption, product recalls, spoilage, earthquake damage, environmental problem,
Taxing Matters
credit defaults; bankruptcy preference costs, trademark infringement, directors and officers liability, and employee claims. So how do you get out of it? You can pay all its money to your company to nullify claims; a loan back for flooring; remodeling or new equipment; dividends to its shareholders at a preferable income tax rate or dissolving in liquidation to shareholders at capital gains tax rate or simply sell to third party, again utilizing capital gain rate. What steps should you take? Your accountant or tax attorney will guide you to a feasibility study. If the numbers work, you then develop a business plan; file a Captive License Application with a favorable state and obtain the Certificate of Authority. Lastly, you incorporate, fund your
corporate stock and begin paying the premium that your actuary computed in your business plan. This is definitely not a unguided tour. The initial formation cost is in the area of $50,000 to $75,000 in legal, accounting, actuary and expert management fees. There is also the $250,000 capitalization funded from another of your investments. When you consider your federal income tax rate of 39.6 percent and California tax rate of 12.3 percent, you can save initially 51.9 percent on the $1.2 million tax free amount or $622,800. Be careful out there! - Richard S. Calone is a Partner at Calone & Harrel Law Group, LLP who concentrates his practice in all manners of Taxation, Real Estate Transactions, Corporate, Partnership and Limited Liability Company law matters.
Annual Trivia Bee set for March 7
STOCKTON – The Library and broad range of trivia questions. Literacy Foundation’s 23rd annual This year’s theme is “There’s No Trivia Bee is Friday, March 7 at the Place Like Home – Living and BEEing Stockton Civic Memorial Auditorium. in Stockton and San Joaquin County.� The grand prize is the Bee Bobble Organizers are looking for teams and sponsors to cover the entry fees Head Award. for high school teams. Individual tick- The entry fee per team is $600 and inets are on sale for $25 per person and cludes dinner for each team member. To include dinner catered by Angelina’s. sign up a team, or purchase individual tick2014 www.cvbizjournal.com February Trivia Bee teams are made up of ets, contact SASS! Public Relations, Inc.; Patterson, CA 95363 Craig F Grisch Market Management Inc Swimming Pools three people, and answers a Ave209-957-7277 or anna_sass@sasspr.com. Robert Anthony Garcia 2531 E Whitmore 3913each Dale Rd team Unit A www.cvbizjournal.com
Well, you’ve set up your 1C-DISC and are meeting with your accountant to work out your 2014 estimated taxes when you fainted. After you get up off the floor, knocked there by your accountant’s estimate of your income taxes for 2014, you ask what else can you do? I bet your accountant said an 831 (b) captive insurance company. This is another congressional income tax shelter to encourage you to keep your money in this country so the IRS will get a shot at it eventually. So you bite and ask, “What’s a captive?� It’s a C corporation your accountant says, formed in one of three U.S. states like, Utah, California or Nevada. It has to be adequately capitalized, at least $250,000 in stock, and of course the infamous election to the IRS. OK, so what can you write off ? The first $1.2 million of income to your captive is tax-free. So how do you determine what you can write off to your captive? The experts take your current liability insurance policy and review it. They then actuarially quantitate the probability of the excluded risks in your current liability policy actually occurring. They also add coverage that you don’t normally carry like earthquake, flood or crop disaster. These numbers become the basis for
Modesto, CA 95356 Cassio Almeida
Ceres, CA 95307 Dolgen California LLC
Corinas Night Club 132 – 134 S First St Turlock, CA 95380 Sandra Corina Valencia
Don Pedro Motel – Salida Inn 4730 Salida Blvd Salida, CA 95368 Atul Patel Shilpa A Patel
Country Wide Baby Sitting 15923 Sonora Rd Kights Ferry, CA 95361 Ernie Altmann
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Country Wide Child Sitting 15923 Sonora Rd Knights Ferry, CA 95361 Debra Stelma
Fictitious Business Names
Countrywide Horse Training 15923 Sonora Rd Knights Ferry, CA 95361 Ernie Altmann
Carniceria Garcia #2 114 Herndon Rd Modesto, CA 95351 Jesus Omar Partida Erika Gasso Partida
Crystal Clear Drains & Plumbing 4324 Finney Rd Salida, CA 95368 Sergio Aguilar Crystal Vargas
LEGALS Caroline Richardson 2000 Columbard Way Modesto, CA 95351 Megan Caroline Richardson Catholic Heritage Curricula 1916 Legend Dr Modesto, CA 95357 Johnson Family Corporation CCDS Driving School 126 4th Street Patterson, CA 95363 Felicia Nicole Muna-Vasquez Central Grants 1704 Kruger Dr Modesto, CA 95355 Janet M Horton Chuck’s Auto Parts 12800 Yosemite Blvd Waterford, CA 95386 The Cross Automotive Group Inc Continental Tires & Wheels 1829 Crowslanding Rd Modesto, CA 95358 Mohammad T Zubair Cool Treats Ice Cream 2601 Oakdale Rd Ste C-180 Modesto, CA 95355 Cool Treats, Inc Copacabana
Custom Concepts 6803 E Whitmore Ave Hughson, CA 95326 Robert Borba D & V Sobrero’s 427 Covena Ave Modesto, CA 95354 Daniel Sobrero Valarie Sobrero
Down Range 209 2204 Gladwyne Court Modesto, CA 95358 Eduardo Bravo Camarillo Dufort & Company, CPA’S 527 Fifteenth St Modesto, CA 95354 Michael R Dufort Inc Dwharterdesign 507 East Hawkeye Turlock, CA 95380 David Wayne Harter Elite Heating & Air Conditioning 3624 Viader Drive Modesto, CA 95356 Paradise Construction & Development Inc Escalon Community Ambulance 1480 Ullrey Ave Escalon, CA 95320 Escalon Community Ambulance Espinoza Gift Shop 1622 Main Street Newman, CA 95360 Avelina Espinoza
Data Boost 915 14th Street Modesto, CA 95354 Orbit Productions LLC
Esquivez Trucking 1035 Q Street Newman, CA 95360 Jose Esquivez
DH1 Digital 9344 Vintner Circle Patterson, CA 95363 Richboy Ventures Inc
Esteves and Sons 3008 Poppypatch Drive Modesto, CA 95354 Joshua Lawrence Esteves
DH1 Media 9344 Vintner Circle Patterson, CA 95363 Richboy Ventures Inc Diggin’ It Nursery 2730 Derr Ct Denair, CA 95316 George Manuel Lima Sheri Ann Lima
Esteves Enterprises 3008 Poppypatch Drive Modesto, CA 95354 Joshua Lawrence Esteves Everlasting Electrology 1400 Mitchell Rd #16 Modesto, CA 95351 Marisa Lopez
Dirty Wick A Forever Dark Company, The 2801 W Hatch Rd CENTRAL Excel Athletices VALLEY Modesto, CA 95358 17184 Sonora Rd Paul D Mercy Oakdale, CA 95361 Chris Peterson Doggie Salon 18413 Sycamore Ave Extra Space Storage Patterson, CA 95363 #8401 Lixin Boehmer 1780 Mitchell Road Ceres, CA 95307 Dollar General Extra Space
Extra Space Storage #8402 2536 Patterson Road Riverbank, CA 95367 Extra Space Management Inc Family Time Bouncers 807 Elm Ave Modesto, CA 95351 Desiree Rodriguez Family Truck and Auto 360 N Yosemite Ave Oakdale, CA 95361 Carver Investments LLC Farmers Cyber Stop 6943B Maze Blvd Modesto, CA 95358 Karen Schuber Vernon Verburg Femme Bricoleuse 150 East E Street Oakdale, CA 95361 Linda Sue Ellinwood Field Services by John Rock 2329 Miller Ave Modesto, CA 95354 John Rock Fitness Evolution 2210 Patterson Road Riverbank, CA 95367 OM Fitness LLC Fitness Evolution 1275 East F Street Oakdale, CA 95361 Zeus Fitness LLC Fitness Evolution 4120 Dale Rd #G Modesto, CA 95356 Zeus Fitness LLC Fly N Dutchman 5107 Kiernan Ave Salida, CA 95368 Nanette Gracie Spyksma Forever Young 1220 Main St Ste 116 Newman, CA 95360 Patricia Cortes 5HH &ODVVLÂżHG 5HDO Estate Advertising 3461 California Ave Modesto, CA 95358 Delbert Jolly
BUSINESS JOURNAL From Packs 2 Hats 1002 Floyd Ave Modesto, CA 95350 Monica Jimenez Steve Jimenez
Garcia’s Heating & Air Conditioning 408 S Del Puerto Ave
Gill Family Dentistry &RϑHH 5G 6WH % Modesto, CA 95355 As Gill Corp Girasol Paleteria Y Neveria 2215 Scenic Drive Modesto, CA 95355 Girasol Paleteria Y Neveria Inc Gold and Silver Gallery 5061 Pioneer Road Hughson, CA 95326 Teresa Moitoso Gold Diamonds & More 121 E Orangeburg Ave #12 Modesto, CA 95350 Ricky Cabral Alejandro Hernandez Golden Comb 4231 Idaho Rd Turlock, CA 95380 Anatoliy Tsymbal Good to Drive 1104 Cedar Dr #2 Modesto, CA 95355 Gregory R Cupper Goodspeed Motorsports 1025 Lone Palm Ave Ste 8G Modesto, CA 95354 Michael Raymond Dufort Jeremy Wynn Goodspeed David Theodore Brager Grade A Investments, Inc 21143 Armstrong Road Crows Landing, CA 95313 Grade A Investments, Inc Grand Properties 7725 Gilbert Rd Oakdale, CA 95361 Tracy Dawn Williams Weatheral Gregg’s Mobile Truck & Trailer Repair 4628 Gomes Rd Modesto, CA 95357 Robert A Gregg Grille, The 933 Fresno St Turlock, CA 95380 Daniel S Gray Grischott Investigative Services 553 Agadoni Court Patterson, CA 95363
H.A.R.D. Mot 1260 St Franc Modesto, CA 9 Robert Matthe Hartzell
Hampton Inn Suites 4921 Sisk Rd Salida, CA 95 Aleena Invest
Harding Perf Bootcamp 350 Delta Ct Turlock, CA 95 Anthony Hard
Heidi M Desi 416 Ryan Ave Modesto, CA 9 Heidi Marie M
High Sierra L Services 116 Poplar St Oakdale, CA 9 Frank Mutersp
Hiside Fabric Inc 763 Apricot A Patterson, CA Hiside Fabrica
Hiside Prope 763 Apricot A Patterson, CA Alan Robert S Jim Ray Thurm
Hollidays Ho Repair 2400 6th St Hughson, CA Guillermo Dim
Hollis Associ Computer Systems & T 1814 Plaza De Modesto, CA 9 Ginny Hollis
Home Place 1031 Fifteenth 3 Modesto, CA 9 Sanders Cons Company Sanders Prope
Hoyer Road 1514 H Street Modesto, CA 9 J Wilmar Jens Judith A Jense Draper Road R A California G Jensen Bros C A California G J Wilmar Jens Judith A Jensen Family
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March 2014
FINANCE
BUSINESS JOURNAL PHOTO
In 2015, credit unions and other financial institutions will begin replacing magnetic strips on credit and debit cards with computer chips.
Say so-long to the strip Credit unions and banks to issue cards with computer chips to fight fraud By KENT HOHLFELD Business Journal writer STOCKTON – Financial institutions and merchants lose nearly $200 billion in credit and debit card fraud every year according to the Nilson Report, a trade journal that reports on the financial industry. Recent cases of data breaches at retailers ranging from Target to Neiman Marcus have shown that virtually no consumer or retailer is safe. “When a breach happens, it’s usually at the merchant level,” said Frank Michael, president and CEO of Allied Credit Union. “The data doesn’t come straight from the consumer as much as it is being stolen from the merchant today.” Credit unions in the area face the same challenges big banks do. The biggest difference is that when a breach does happen it costs credit unions, which have a smaller pool of customers, more money. “I don’t think what kind of financial institution you are matters,” said Golden 1 Credit Union Vice President of Public Relations Scott Ingram. “It’s the scale on the number of customers. A bigger institution with more revenue can absorb larger costs that hurt smaller institutions more.” When the Target breach was announced, many of the area credit unions reissued cards to customers regardless of whether fraud had actually occurred on the card or not. The cards cost approximately $1 each to issue. “The liability for the cardholder and merchant is zero,” said Pattie Jackson, executive vice president and chief operation officer at Central State Credit Union. “We’re the ones that take the hit.” Trying to minimize that hit has been a challenge for financial institutions for decades. It’s been especially challenging in the United States where
nearly half of all worldwide credit and debit card fraud occurs. Part of the challenge in the U.S. has been the reluctance to use new technologies to prevent fraud. More than 130 nations have phased out credit cards that depend on black magnetic strips, which are easily duplicated, in favor of cards that hold data on an embedded microchip. U.S. banks and retailers have been reluctant to embrace the technology because merchants have to buy new readers for the cards, and the cards are more expensive to issue, around a $1.40 per card. Financial institutions don’t want the expense of issuing the cards until retailers have the readers in place and merchants don’t want to spend the money until the new cards are issued. It looks as though that logjam may finally be breaking. Starting in October 2015, retailers will be required to have readers that can use chipped cards. If a merchant refuses and fraud occurs, the merchant, not the financial institution, will be responsible for the loss. “Chipped cards are coming,” said Michael “Most people will start issuing chip cards next year and thereafter.” The new requirements are coming from the major card issuers such as Visa, MasterCard and Discover. Those companies set the rules of how transactions are handled, not the individual financial institutions. “It shifts responsibility to the merchant if they don’t accept chip cards,” Michael said. While new technologies can help, chipped cards would not have stopped the breach that affected retailers over the holidays. However, the technology would have made the Please see CARDS Page 19
March 2014
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FINANCE
Credit unions use customer service, technology, edgy advertising to attract younger members By COURTNEY JESPERSEN Business Journal writer Millennials. The millennial generation. Generation Y. Call them what you may, but the group of people born between the early 1980s and early 2000s is quickly becoming the nation’s demographic powerhouse. The Pew Research Center reports that there are an impressive 77 million millennials. And according to the U.S. Bureau of Labor Statistics, the millennial generation will become the majority of the American workforce by 2015. Known mostly for their short attention spans and heavy dependence on technology, Millennials are often underestimated, but they are an undeniably large market, and one sector of the economy is starting to take notice. Credit unions are marketing to the younger portion of the population – young people in need of everything from student loans and checking accounts to car and home loans. Michael Duffy, CEO of Financial Center Credit Union said about 13 percent of his customers are millennials. They have $10 million in loans and $7 million in savings. In trying to attract millennials’ business, Duffy said Financial Center goes back to basics. “We ask ‘what’s their need?’” Duffy said. “Once you get the need, you get the value proposition.” First Credit has had success with an postcard ad campaign called Eye Candy aimed at selling auto loans to millennials. “They don’t look like an ad. They’re topical, funny and edgy,” Duffy said. “I wouldn’t send it to people in the 4050 age range.” Gail Freer is the CEO of Golden Valley Federal Credit Union of Manteca. Freer said she is beginning to notice a larger flow of millennial customers.
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MARK RICHEY/CVBJ
Valley First Credit Union member Jonathan Dominguez keeps track of his accounts using the credit union’s app.
They are taking advantage of what she believes are the benefits of choosing a credit union over a typical bank. Credit unions are not-for-profit, membershipbased, and governed by an unpaid, volunteer board of directors. “The biggest benefit is that we’re notfor-profit, so normally on any kind of product that there’s a fee, ours are usually no fees or lower fees,” Freer said. “Generally, we pay a higher interest on your savings account and we charge a lower rate normally on loans.” Paul Staley, a Modesto millennial in his early 30s, joined a credit union last month for that very reason. “Their interest rates seem to be lower than traditional banks, and that caters to younger people who tend to borrow more money, rather than save up to make purchases,” Staley said. Henry Barrett, the president and CEO
of Valley First Credit Union, sees an additional benefit for customers. “A credit union is certainly going to have the best interest of the individual’s needs,” he said. “They’re not going to force them into a product that’s good for the institution. They’re going to put them in a product that’s good for the individual.” With 57,000 members and 13 branches, Valley First Credit Union is headquartered in Modesto. Currently, the credit union has nearly 14,000 accounts attributed to customers between the ages of 18 and 30. Barrett, like Freer, recognizes that the best way to attract millennials is to tailor services to the interests of this tech-savvy generation. “We certainly offer the services that would attract or should attract them because we have the electronics that
they would want: mobile banking, online banking, bill payer, an ATM network that’s cooperative with all the other credit unions, so therefore we’ve probably got a larger ATM network than most large banks have,” Barrett said. And credit unions are hoping that when millennials pull out their smartphones to share a picture on Instagram or post a status on Facebook, they will check their e-statements as well. “The cost of technology is expensive, and that’s kind of been one of the things that’s pushed us to grow,” Barrett said. “We need to stay relevant, and in doing so, we’re able to offer the products and services that the members want. Conversely, if the members are using some of those electronic delivery channels, then it keeps our costs in check when it comes to staffing and things like that.” In fact, soon members can even get paid to play with technology. This June, Valley First Credit Union will roll out a new checking account called Kasasa. “They’ll actually reward the individual for their relationship with the credit union,” Barrett explained. “Millennials will fit into this because it’s the number of transactions that they do, it’s getting e-statements, it’s using online banking – it’s simple things that they can do and be rewarded for that relationship.” And if you are a member of Generation Y who is not sure what to do first, Freer, Duffy and Barrett agree that establishing credit is an important first step for young millennials. “A low balance Visa card is always an easy way to get started,” Barrett said. “Go out, charge items, pay them off, make sure you’re doing everything timely, and it starts building your credit report.” “Any time is a good time to establish credit,” Freer said. “It’s a matter of managing it and keeping it within your means.”
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information more difficult to use. “Technology isn’t the only answer,” said Jackson. “We have several programs that watch your credit activities. It has been very successful. Without that, we have we wouldn’t be able to offer credit cards.” Financial institutions say customers need to be active in helping prevent fraud. They can use services such as text alerts to know when charges are made on their cards. Customers should also continually monitor their accounts through online and mobile features available on most accounts today. Customers also need to be wary of what information they give to retailers.
“Retailers want as much information on their customers as possible,” said Michael. “They want to be able to market to you at your house, phone, email and they ask customers for that information.” Many times that information is stored on unencrypted servers. If a hacker steals data, they can often get at that information as well as the credit and debit card information. “If they get that information as well, then they can not only use your credit information, they can create whole identities,” said Michael. “People need to be very wary of the information they give out.”
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CREDIT UNIONS In San Joaquin and Stanislaus Counties. Firms are Ranked by Total Assets as of Dec. 30, 2012. (NA) Ranked last in Alphabetical Order. Rank
Company Name Address
Manager or CEO Phone Web Address
Total Assets Total Shares/Deposits
Henry E. Barrett (209) 549-8500 valleyfirstcu.org
Year Chartered
Total Loans Number of Net Income Members
Membership Requirements
$475,328,056 $419,557,258
$233,654,820 $2,984,766
61,996
Live, work, worship or attend school in Fresno, Madera, Mariposa, Merced, San Joaquin, Stanislaus or Tuolumne County
1956
Michael Patrick Duffy (209) 948-6024 fccuburt.org
$364,162,167 $268,021,850
$158,491,838 5,540,000
32,018
Family member or employment by county and city government, medical professionals in SJC, members of SJC Bar Association or other small employee groups
1954
1
Valley First Credit Union 1005 W. Orangeburg Avenue Modesto, CA 95350
2
Financial Center Credit Union 18 S. Center Street Stockton, CA 95202
3
MOCSE Central Valley Credit Union 3600 Coffee Road Modesto, CA 95355
Tracey Kerr (209) 572-3600 mocse.org
$189,422,500 $169,228,386
$64,333,997 $1,314,553
30,571
Persons who live, work, worship or attend school in or do business in Stanislaus County Visit Web site for information on requirements
1959
4
Organized Labor Credit Union 2112 McHenry Avenue Modesto, CA 95350
Sara Klein (209) 527-8731 olcu.org
$176,578,658 $14,989,692
$7,512,585 -$100,961
3,892
Locals and retirees in certain counties of California, immediate family members related by blood, marriage or legal action to the credit union member and union locals
1974
5
Central State Credit Union 919 N. Center Street Stockton, CA 95202
David Silvestri (209) 444-5314 centralstatecu.org
$145,732,254 $132,410,826
$986,593,391 $195,903
21,083
Community charter, San Joaquin, Calaveras, Tuolumne, Armador or Stanislaus counties
1936
6
Premier Community Credit Union 3315 W. Benjamin Holt Drive Stockton, CA 95219
Paul Yang (209) 235-1100 premierccu.org
$123,741,344 $110,976,016
$51,179,721 $517,872
11,182
Community charter, live, work or go to school in San Joaquin County, family members and specific employees
1979
7
California Community 3600 Sisk Road Ste. 4-L Modesto, CA 95356
Elena de Anda (209) 544-3971 caccu.org
$47,442,688 $40,668,572
22,339,913 -$210,151
7,304
Live, work, worship in Stanislaus County. Certain unions, SaveMart stores and employees
1939
8
Mokelumne Federal Credit Union 531 N. Mills Avenue Lodi, CA 95242
Liz Maynard (209) 334-3200 mfculodi.org
$47,049,771 $41,893,007
$16,938,205 $235,281
6,142
Live, worship, work, attend school, businesses and other legal entities located in the San Joaquin County
1959
9
Rolling F Credit Union 2101 Geer Road, Ste. 401 Turlock, CA 95382
Douglas A. Aleson (209) 634-2911 rollingf.com
$42,778,119 $37,632,901
$11,338,647 $259,914
6,226
Visit Web site for requirements
1948
10
Modesto’s First Federal Credit Union 430 12th Street Modesto, CA 95354
Sherry Khamo (209) 521-2020 m1fcu.org
$31,641,641 $27,718,035
$6,929,439 $68,009
2,458
Employees of city of Modesto, Hughson and more Visit Web site for additional requirements
1940
11
Golden Valley Federal Credit Union 409 W. Center Street Manteca, CA 95336
Gail Freer (209) 825-5878 goldenvalleyfcu.org
$23,389,256 $20,887,068
$9,913,407 $138,777
2,967
Lives, work, worships and/or attends school in Manteca and Ripon Unified School District Boundary
1953
12
Eagle Credit Union 1401 Lakeshore Drive Lodi, CA 95242
Dan Robertson (209) 340-2100 eaglecreditunion.com
$20,492,217 $18,122,807
$11,703,264 $320,797
2,975
Live, work, worship or attend school in San Joaquin or Stanislaus County, employee of one of our selected employer groups or a family member of existing member
1929
13
Allied Trades Credit Union 2131 W. March Lane Stockton, CA 95207
Frank C. Michael (209) 235-9119 alliedcu.org
$21,169,074 $21,169,074
$6,179,941 $54,904
2,669
Live, regularly work, regularly worship or attend school in the incorporated and unincorporated areas of Stockton, California
1953
14
Rarin Federal Credit Union 218 McCloy Avenue Stockton, CA 95203
Cindy Hodson (209) 933-9275 rarinfcu.org
$4,883,446 $4,216,596
$1,839,104 $1,054
726
Live, work, worship or go to school in the Port of Stockton/Boggs Tract Area/ family members of current RARIN FCU members
1951
15
Central State Credit Union 919 N. Center Street Stockton, CA 95202
Patty Jackson (209) 444-5300 centralstatecu.org
$146,466,483 92,109,165
80,696,666 162,039
NA
Select employer groups of employees
1936
16
Golden 1 850 W. March Lane, Ste. A Stockton, CA 95219
Donna A Bland (877) 465-3361 golden1.com
$7,963,005,682 $6,940,122,351
$3,566,149,441 86,859,019
NA
Anyone who lives or works in the 34 represented Counties of the 58 CA Counties is eligible to join
1933
17
Operating Engineers Local 3 1818 Grand Canal Boulevard, Ste. 1 Stockton, CA 95242
Dortha Young (209) 943-2455 oefcu.org
$805,687,256 $687,798,955
346,857,058 33,076,027
NA
Members and family members of Operating Engineers Local 3
1964
18
Uncle Credit Union 1829 West 11th Street Tracy, CA 95376
Janice Silveria (925) 447-5001 unclecu.org
$259,405,198 $229,227,227
111,224,741 2,758,686
NA
Persons who live, work attened school or worship in Stanislaus or San Joaquin Counties
1957
These lists are provided as a free service by the Central Valley Business Journal for its readers. As such, inclusion is based on editorial consideration and is not guaranteed. If you would like your business to be included in a list, please write to: Research Department, Central Valley Business Journal, 4512 Feather River Drive, Ste. E, Stockton, CA 95219, fax your information to Research Dept. (209) 477-0211 or email research@cvbizjournal.com. Copyright Central Valley Business Journal. Researched by Danette Conley 02/2014
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PRIVATE SCHOOLS K-12
In San Joaquin and Stanislaus Counties. Ranked by Student Enrollment. Ties are Listed in Alphabetical Order. School Name Address
Top Local Administrator Phone Web Address
Administration
1
St. Mary’s High School 5648 N. El Dorado Street Stockton, CA 95207
Fr. John P. Fallon, 0S7S, President (209) 957-3340 saintmaryshighschool.org
90 faculty 60 teachers 10 admin
2
Big Valley Christian School 4040 D Tully Road Modesto, CA 95356
Bobby Kirchner, Superintendent (209) 527-3481 bvcs.org
80 faculty/staff/admin
Preschool - 12th
3
Ripon Christian Schools 435 N. Maple Avenue Ripon, CA 95366
4
Kerry Manus, Superintendent
Faculty
Grade Span Total Student Enrollment
Rank
9-12 988 students
700 students
55
Preschool - 12
(209) 559-2155 rcschools.org
3
670 students
Modesto Christian School 5901 Sisk Road Modesto, CA 95356
Lance Lowell, CEO (209) 529-5510 modestoChristian.org
30
K-12
6
520 students
5
Central Catholic High School 200 S. Carpenter Road Modesto, CA 95351
Melissa Benston, Principal (209) 524-9611 cchsca.org
6
Bella Vista Christian Academy 1635 Chester Drive Tracy, CA 95376
Peggy Haase, Principal (209) 835-7438 bellavistaca.com
7
Presentation School 1635 W. Benjamin Holt Drive Stockton, CA 95207
Maria Amen, Principal (209) 472-2140 presentationschool.org
8
St. Bernard’s Catholic School 165 W. Eaton Avenue Tracy, CA 95376
9
28 19 staff 8 admin NA
9-12 400
Accredited By
Year Est.
A Catholic education with a full college preparatory curriculum, including 18 advanced placement and honors courses
WASC
1876
Full range of athletic and fine arts opportunities, honors, AP courses, music, PE, technology instruction, biblical integration
WASC/ACSI
1974
Robotics, fine arts, mock trial, debate, industrial arts and drama
WASC
1928
Advanced placement and honors courses, foreign language, visual and performing arts, athletics, music, physical education and a full-day kindergarten
ACSI/WASC
1962
Computers, English, visual and performing arts, foreign language, math, PE, science, theology and social studies
WASC
1966
Academics, music and computers
Lutheran Church Missouri Synod
2000
High quality academic program that integrates religious truths and values
WASC/WCEA
1965
Offers a complete curriculum with enrichment opportunities in music, technology, art, PE an performing arts
WCEA/WASC
1957
Full curriculum, a full day care, band and computer lab
ACSI
1985
Summer kindergarten preparation, before & after school daycare, transitional & traditional kindergartens, Spanish and SJCC athletics
ACSI
1994
Religious curriculum, science, math, social studies, Spanish, computers, music, art and physical education
WCEA
1921
7 subject core curriculum plus music, PE, library, computer and Spanish
WASC/WCEA
1957
College prep, U.C. approved core curriculum, sports, community college club, drama, art and Bible-based instruction
WASC/ACSI
1997
English, mathematics, science, social studies, Christian theology and preschool
WASC
1926
Full PE program offered to all grades, Italian school offered after school, math, academic pentathlon participants, chess club and computer lab
WCEA/WASC
1961
K-8 Art, music, technology, Spanish and 21st century learning
WASC
1997
Athletic clubs’ bands, college prep., excellent athletics, several student clubs and extra curricular activities
WASC
1976
Academics, CIF sports, computer lab and college preparatory classes
ACSI
1954
College preparatory curriculum
WASC
1908
Math, English literature, science, physical education, Christian living and electives
ACSI
2004
Athletic clubs’ bands, athletics and student extra curricular activities
ACSI
1976
Preschool-8
20 staff
295 students
NA
K-8
26 staff
291 students
Gary Abate, Principal (209) 835-8018 st-bernardschool.org
14
K-8
2
264 students
Lakeside Christian Elementary 2111 Quail Lakes Drive Stockton, CA 95207
Jessica Carter, Principal (209) 954-7653 ucsonline.com
2
K-6
2
260 students
First Baptist Christian Schools/ Blessed Beginnings Preschool 3535 N. El Dorado Street Stockton, CA 95204
Stephanie Bulleri, Principal (209) 466-1577 fbcschools.com
28
10
Infant-K-8
11
St. Anne’s 200 S. Pleasant Avenue Lodi, CA 95240
Dennis Tarrico, Principal (209) 333-7580 stanneslodi.org
12
Our Lady of Fatima Elementary School 501 W. Granger Avenue Modesto, CA 95350
Linda Partlow, Principal (209) 524-7421 olfmodesto.com
13
Jim Elliot Christian High School 2695 W. Vine Street Lodi, CA 95242
14
2
Programs Offered
245 students
NA
K-8
29 staff
245 students
NA
K-8
24 staff
242 students
David Couchman, Administrator (209) 368-2800 jechs.com
14
9-12
10
220 students
St. Peter Lutheran School 2400 Oxford Way Lodi, CA 95242
Anna Hu, Principal (209) 333-2223 stpeterlodi.com
NA
Preschool - 8
14 staff
210 students
15
St. Luke Catholic Elementary School 4005 N. Sutter Street Stockton, CA 95204
Fr. Gael Sullivan, Pastor (209) 464-0801 stlukestockon.com
11
K-8
3
204 students
Merryhill School at Brookside 4811 Riverbrook Drive Stockton, CA 95219
Terry Ubaldi, Principal (209) 477-9005 brookside.merryhillschool.com
NA
16
Preschool-8
17 staff
190 students
17
Brookside Christian High School 915 Rosemarie Lane Stockton, CA 95207
Dennis R. Gibson, Principal (209) 954-7651 ucsonline.com
10
9-12
2
140 students
Stockton Christian School 9021 West Lane Stockton, CA 95210
Robert Ogden, Principal (209) 957-3043 clministry.com
NA
18
K-12
30 staff
136
19
Lodi Academy 1230 S. Central Avenue Lodi, CA 95240
Harley Peterson, Principal (209) 368-2781 lodiacademy.net
NA
9-12
14 staff
104 students
20
Vineyard Christian Middle School 2301 W. Lodi Avenue Lodi, CA 95242
Randal Oliver, Principal (209) 333-8300 vcmslodi.com
4
6-8
2
78 students
21
Lakeside Christian Junior High School 915 Rosemarie Lane Stockton, CA 95207
Dennis R. Gibson (209) 954-7651 ucsonline.com
4
7-8
2
60 students
These lists are provided as a free service by the Central Valley Business Journal for its readers. As such, inclusion is based on editorial consideration and is not guaranteed. If you would like your business to be included in a list, please write to: Research Department, Central Valley Business Journal, 4512 Feather River Drive, Ste. E, Stockton, CA 95219, fax your information to Research Dept. (209) 477-0211 or email research@cvbizjournal.com. Copyright Central Valley Business Journal. Researched by Danette Conley 02/2014
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FOCUS: EDUCATION
Private schools offer diverse choices with electives Arts, sports, humanities contribute to students’ rich school experience By MARIE SARDALLA-DAVIS Business Journal writer
WAYNE DENNING/CVBJ
St Mary’s High School students Kristen Barcenas and Madasonne Butler chat with each other via American Sign Language, which they learned in their elective class
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Public schools, faced with budget cuts and a mandate to focus more on core proficiency, have severely cut back on electives to center attention on English and math. Private schools, however, have been able to continue offering electives since they are not dependent on government funding. How essential are electives in elementary and high school? Perhaps no one tells it better than someone who has overcome personal obstacles with their help. Christopher Green said that as a boy, he was an introvert with a serious stutter. He now teaches performing arts to sixth through 12th graders at Modesto Christian School. “Performing arts was my outlet. Onstage, I wasn’t myself,” Green said. “My nervous feelings were gone. It carried over to my teaching. I tell my students that ‘Mr. Green’ is a character I play, the one being foolish and goofing around. Performing arts molded who I am today.” This spring his students will present the musical “Annie.” Beyond the crisp enunciation, the steady eye contact, and the confident carriage, the students exhibit skills that translate well in the classroom and eventually the workplace — teamwork, mindful listening, accurate execution of instructions, creativity, self-discipline, perseverance, and an all-out commitment to giving their best. “Work on putting in more animation. Move your hands more. Have fun with it,” urged Green during rehearsal. Matthew Ollson, 17, is a lineman for Modesto Christian’s football team. “I first became interested in theater when I was 4 or 5 years old, for a church production,” Ollson recalled. He has since played Capt. Hook and Ebenezer Scrooge. On cue, he can morph seamlessly into a middle-aged baritone for his role as Daddy Warbucks. “We make sure we can serve all students — the full breadth of their interests,” explained development director Marisa Meeks. The Performing Arts program launched in 2009 and soon outgrew the multipurpose room and gym. Productions are now staged at the Gallo Center and Modesto Junior College. At St. Mary’s High School in Stockton, Mia Cranston requires students in her American Sign Language (ASL) classes to get up in front of their classmates and sign daily right from their first year. “I’m hard of hearing. I was really shy about using sign language,” Cranston said. “My students are much more likely to participate in a sign
language conversation than I was.” Experts say electives are much more than an educational luxury. They can also trigger cross-disciplinary growth. Kristen Barcenas, 17, a senior at St. Mary’s High School, has taken ASL classes since the program began four years ago. “I use sign language to help me understand other subjects. I’m a Polynesian dancer, so movement helps me learn,” Barcenas said. Recent SAT data show that students in music appreciation scored 63 points higher on verbal and 44 points higher on the math, than did students with no arts participation. But electives lead to more than just high test scores. They can also spark the desire to learn in the first place. Madasonne Butler, 16, a sophomore at St. Mary’s, is also learning American Sign Language. “When I first started, I’d sign to my mom and dad even though they didn’t understand,” Butler said. “If I got stuck on a word I’d look it up on aslpro.com. It’s addictive. You want to keep learning all you can.” Butler also said ASL has also helped her consider interpreting as a possible career path. Thanks to her ASL classes, she recently rose to the challenge of an interview conducted in sign language at a college fair interview by the head of Deaf Studies at California State University, Northridge. Both Butler and Barcenas said learning sign language in high school has helped broaden their understanding of other cultures. “I was sad to hear how the deaf community was treated in the past, but it was interesting to learn how people within the deaf community see themselves,” Butler said. “It’s not a disability, it’s their superpower.” “Being deaf is their culture,” Barcenas agreed. At Carden Academy of Stockton, classes in French are offered from preschool through eighth grade. Owner/ director Christine Campodonico considers the younger students “our best learners—they’re like little sponges.” As teacher Annie Mateo introduces them to vocabulary, numbers, and the alphabet through games and songs such as Frére Jacques and Mon Chapeu a Quatre Bosses, the students also absorb bits about the world beyond the familiar. “They learn that there are a lot of exciting things out there to enrich our lives. Learning the French language and culture broadens their horizon, and they may want to go on and learn another language in high school,” Campodonico said.
March 2014
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March 2014
FOCUS: EDUCATION
Controlling college costs State universities and students keep eyes on state budget By PATRICIA REYNOLDS Business Journal writer TURLOCK – Gov. Brown’s proposed budget may provide some relief to students pursuing degrees at local universities such as Stanislaus State in Turlock. If passed intact, the California State University system will receive $5.7 billion in funding for 2014-2015, reflecting a 5 percent increase from the previous year. In order to maintain the proposed increased funding, the CSU system must keep tuition rates at 2011-2012 levels through the 2016-2017 school year. This would essentially freeze Stanislaus State’s tuition at $5,472 per year, according the university’s cost of attendance spreadsheet published on its website. State funding covers roughly 60 percent of the cost of educating a student in the state of California. The student, in the form of tuition, pays the remaining forty percent. “When the state drops support, the burden goes to the student,” said Associate Vice President of Communications and Public Affairs Dave Tonelli.
With the estimated annual cost to attend Stanislaus State soaring to $15,574 when campus fees, books and supplies, room and board, and miscellaneous expenses are figured in, keeping tuition in check is indeed an advantage. Still, controlling tuition expenses while providing the best services to students will remain a challenge for the next several years. “If you add up all the cuts during the recession, the CSU system lost one-third of its state funding. So with the governor’s proposed boost in funding of 5 percent per year, it will take four to five years to try to bring back some of the staff and services cuts made,” Tonelli said. Complicating the situation, increased applications and enrollment during the recession years strained the 23-campus CSU system at the same time budget cuts resulted in the elimination of staff positions and services. “It is true nationwide that in a down economy, people choose
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The governor has proposed freezing tuition for the CSU system at 2011-12 rates until 2017.
to finish their education or retool, so there’s usually an uptick in university enrollment. In cycles when private business is down, university demand is up,” Tonelli said. As a result, several campuses and majors throughout the California State University system are now impacted. An impacted campus or major is one in which the number of fully qualified applicants exceeds available admission spaces. Five of the 23 campuses are currently fully impacted, and this fall, four of the CSU campuses (Fullerton, Long Beach, San Diego, and San Luis Obispo) received more than 50,000 applications each, an astounding figure several times larger than these campuses have the capacity to enroll. While Stanislaus State is not designated as an impacted campus, students and prospective students have felt the effects of increased demand with decreased services. Spring admission was closed last year, turning qualified students away from the application process. This year Tonelli says spring admission was open, but only for a short window of time. “There has been a 3-5 percent enrollment boost at CSU Stanislaus. We now need to be able to serve more students and provide more students access to services to be successful. Our staff that advises students on what to do to progress in their degree for example, took a hit,” Tonelli said. The fallout may be a greater difficulty for admitted students to obtain a de-
gree in the traditional four-year college time frame as more students compete for classes and services. According to the state Department of Finance, just 16 percent of incoming freshmen in the CSU system graduate within four years. The added years of attendance necessary to receive a degree equate to a larger financial investment by the student. Four-year graduation rates for first time, full-time freshmen at CSU Stanislaus range from a high of 20.6 percent for fall 2005 incoming students to a low of 14.8 percent for Fall 2008 freshmen. The most recent information reflects a 15.5 percent four-year graduation rate for freshmen entering the university during the fall of 2009. “The budget cuts the state enacted greatly reduced the resources we could put into student success and improving graduation rates. Further, many CSU Stanislaus students work and cannot take a full credit load,” Tonelli said. Stanislaus State’s campus leadership is focusing on improving six-year graduation rates, which hover around 49 percent for fall 2005 and fall 2006 freshmen. Still, earning a degree through the California State University system is a bargain, Tonelli says. “Despite CSU tuition increases, compared to the nation, our system is still very affordable. Financial aid, such as Cal Grants, provides students with options,” he said, noting that the school’s website guides students through the process of gaining financial assistance.
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CVBJ
FOCUS: EDUCATION
Entrepreneurial pharmacy program mixes health care, business By ELIZABETH STEVENS Business Journal editor STOCKTON – Pharmacists who graduate from the University of the Pacific’s Thomas J. Long School of Pharmacy can expect a good income, decent job prospects and the knowledge that they’re playing an important role in the ever-changing health care landscape. But what if they also want to be their own boss? Pacific can help with that, too. It’s now turning out pharmacists who are business-savvy. Pacific has one of the few schools that offers entrepreneurial pharmacy certification. Known formally as the AmerisourceBergen/Good Neighbor Pharmacy Entrepreneurial Pharmacy Practice Program, it became an option at Pacific in 2011. The first students are getting ready to graduate. “Not all pharmacists that graduate from UOP want to work in a hospital or chain,” said David Collum, who chairs the program. “Students were asking about it. West of the Rockies there was very little opportunity to pick up any academic work.” Courses in the entrepreneurial program are offered in the spring. Students work with representatives from banking and insurance companies
PHOTO COURTESY UNIVERSITY OF THE PACIFIC
The University of the Pacific’s entrepreneurial program expects to have 65-70 pharmacy students enrolled by May.
where they get real-world information. “Other schools really don’t get that because they only have a class about management,” said 22-year-old Irene Andrada, a second-year pharmacy student who is in the entrepreneurial program. “But they don’t really know about the little things that do make a big difference like getting your loan and also having an insurance policy and also with any of the problems that do arise in the community pharmacy
or how to differentiate yourself from another independent pharmacy.” Andrada has been meeting with owners of existing independent pharmacies to see if she can set up a junior partnership rather than building her own business from the ground up. “Many students have loans and debts to pay off,” Collum said. “It’s more likely they will step into a pharmacy where the owner is getting ready to retire.”
Independent pharmacies allow pharmacists to provide health care to communities according to their specific needs. Lenders are willing to put up the money if ideas are well developed. Collum cited one student who, as part of her class project, put together a plan for a pharmacy in her hometown that was tailored culturally for that community. She presented it to a senior loan officer from Live Oak Bank who said, “That’s a startup plan I would finance.” Wayne Chen, 26, of San Francisco is also a second-year pharmacy student. He said he was drawn to the program because running an independent pharmacy would allow him to be on the cutting edge of health care reform and changes in technology while serving his community. “Right now my current plan is to hopefully get a residency to get some clinical experience, but then bring that clinical experience into the front lines of community pharmacy,” Chen said. “I’ve been to health fairs where some people are afraid to see doctors, for whatever reason, but when they come to these health fairs, they really do trust the pharmacist. It usually is less expensive -- more accessible, really.” Please see PROGRAM Page 29
United Way Workplace Giving Campaigns are as easy as 1 - 2 - 3
1
The Employer opens their heart and their workplace doors to a United Way Campaign.
2
Employees volunteer to make payroll donations of $1 or more to their favorite charity.
3
United Way sends these life changing & life saving donations to our local non-profits for their use in improving lives in our community.
Please visit us at www.unitedwaysjc.org Please contact United Way of San Joaquin County to arrange your Workplace Campaign today.
(209)469-6980
andy@unitedwaysjc.org dkoster@unitedwaysjc.org dng@unitedwaysjc.org
28
Central Valley Business Journal
March 2014
Coast to Coast
CVBJ
2014
FOCUS: EDUCATION
FEST I VAL
STOCKTON, CA • NEW YORK, NY
March 26–29
March 26–29
Nightly Jazz Performances 10 pm • Take 5 Jazz at the Brew Valley Brewing Company
Thursday, March 27
MARK RICHEY/CVBJ
Student Sarahy Alvarez, 18, sharpens her skills at Modesto’s Institute of Technology as she studies to be an executive chef.
Eddie Palmieri
Blazing Latin jazz/salsa pianist with his band 7:30 pm • San Joaquin Delta College Warren Atherton Auditorium
Vocational schools feed interest in culinary careers
Friday, March 28
Al Jarreau
Palmieri
“The greatest jazz singer alive” — Time Magazine 8 pm • Bob Hope Theatre
Jarreau Carrington
Saturday, March 29 Jazz Symposium
Featuring Al Jarreau and Terri Lyne Carrington 11 am • Faye Spanos Concert Hall
Jazz on the Green
Free admission featuring local jazz bands, an instrument petting zoo and food 1–5 pm • Knoles Lawn, University of the Pacific
Terri Lyne Carrington’s Mosaic Project
with Dianne Reeves, Nona Hendryx, Tia Fuller, Ingrid Jensen, Helen Sung, Matt Stevens, and Josh Hari 8 pm • Faye Spanos Concert Hall
By CRAIG W. ANDERSON Business Journal writer STOCKTON – As America’s interest in cooking is growing, fueled largely by the popularity of cooking shows, more people in the Central Valley are embarking on culinary careers. “(It’s) increased in the Central Valley over the last eight to 10 years driven in great part by the Food Network,” said Mark Berkner, culinary arts chef and instructor at San Joaquin Delta College. He also owns and operates both fine dining and casual restaurants. His first lesson for students is that cooking isn’t as glamorous as it looks on TV. “The challenge culinary students initially face is to recognize the hard work, pressure, long hours and working nights and weekends the business requires,” he said. “The upside at Delta is the cost to students is a fraction of a private institution’s cost. Our facility, equipment and instruction match private schools.” Delta’s program, which includes baking and pastry programs, boasts four instructors, including Berkner and a student-run restaurant, where students “receive practical, hands-on experience on delivering a product to paying customers.”
INSTITUTE
Tickets available at BrubeckInstitute.org 209.946.3196
Please see VOCATIONAL Page 29
CULINARY ARTS - BY THE NUMBERS $ $
46,350
$
Students can pursue an Associate of Arts Degree, Associate of Science Degree, or a Basic and Advanced Certificate. Students are also encouraged to become members of the American Culinary Federation. At the Institute of Technology, Modesto, culinary students learn the business of running a restaurant or catering enterprise as well as the art of cooking and baking. “People love food, there are food shows on TV and our three kitchens, full bakery, and equipment that’s found in restaurants provide the means to learning the culinary field to fulfill the public’s need for food,” said Director of Admissions Tiffany Parker. “We also consult with the business community and the Chamber of Commerce about culinary trends and the directions other business sectors are taking.” In the culinary program at the Institute of Technology, student can choose a specialty: bread and pastry specialist; culinary arts professional; or culinary arts specialist. Students graduate with a certificate recognized by the American Culinary Federation. Many students find training for a culinary career gives them a range of options and transferable skills.
Average salary for chefs and head cooks in the Central Valley
33,070 Average baker’s salary pay in the Central Valley
28,680 Average salary for first-line managers of food preparation
SOURCE: UniXL, Education and Career Information Portal
March 2014
29
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Tech incubator will help start-ups in downtown Stockton STOCKTON -- The Downtown Stockton Alliance received a grant from PG&E in February to establish a technology incubator to help startups. The $25,000 grant comes from the Economic Vitality Grant Program. Leandro Vicuna, CEO of Downtown Stockton Alliance, said the tech incubator will be a place where entrepreneurs can share office space, network, collaborate and learn how to launch a successful business.
CVBJ
“This great combination will accelerate these entrepreneurs in growing their tech start ups,” Vicuna said. “It’s an exciting opportunity to retain our local talent and encourage them to make a name for themselves in Stockton rather than commuting to Silicon Valley.” During the initial application process, up to 10 entrepreneurs will be selected to receive memberships to the Downtown Stockton Technology Incubator. Paul Amador, president of Stockton-
based California Applications Research Group (CalARG), was one of the entrepreneurs selected to participate. His company designs mobile apps, web sites and provides marketing services. “This is an incredible opportunity for CalARG and we’re so honored to be part of the program,” said Amador. “These programs that invest in small business innovation are the ones that ultimately help revitalize communities like Stockton.” The Downtown Stockton Alliance is
the lead agency on the project and will work with the city of Stockton’s Economic Development Department, San Joaquin Delta College Small Business Development Center, University of the Pacific, San Joaquin Angels, San Joaquin County Hispanic Chamber of Commerce, IT service providers, and legal assistance. Applications are available online at DowntownStockton.org and will be accepted through March 30.
PROGRAM Continued from Page 27
Opportunities have opened for pharmacists with the passage of Senate Bill 493. The new law allows licensed pharmacists to participate more directly in health care. For example, pharmacists can administer medication; provide consultation, training, and education about drug therapy, disease management and prevention; and order and interpret tests to monitor and manage the efficacy and toxicity of drug therapies, in coordination with a doctor. “I hope to implement some of the things that the bill allows us to do into an independent pharmacy,” Andrada said. “I think that really connects health care from just seeing your doctor. You can see your pharmacist for those inbetween visits to continue your care and give you better outcomes.” Even with the growth of drug store chains, independent pharmacies have been able to maintain their place in communities. Collum said that in 2001, there were about 23,000 independent pharmacies in the United States. In 2012, that number was still the same. Collum and his students credit professionals who are Pacific alumni with helping the program succeed. “It’s a combination of individuals who were successful after they left the university and the industry coming together saying, ‘we can do this and it’s going to improve health outcomes across the state,’” Collum said.
CVBJ
VOCATIONAL Continued from Page 28
“Students entering this field have a wide variety of employment opportunities,” said Scott Kuykendall, division director of career, charter, and alternative education at the Stanislaus County Office of Education. “They can become entrepreneurs, work for small intimate restaurants or seek employment with large hotel chains.” Kuykendall said students also become life-long learners and by increasing their skills and knowledge can enhance their earning potential while developing the basics of arriving on time, following directions, communication, teamwork, accountability and respect for others. “Our goal is to graduate students who are career and college ready,” Kuykendall said.
Save time and money with the Marine Highway. The M-580 barge service is the faster, cheaper alternative to trucking containerized goods between Oakland and Stockton. Your business can:
Reduce Costs
We offer competitive rates by reducing the cost per ton. Plus, containers can be max loaded.
Improve Logistics
We handle the entire move from ocean vessel to participating terminal. Quick turnaround times at Port of Stockton gates.
Relieve Congestion
With every round-trip to Oakland, 600 trucks are removed from I-580 reducing harmful pollutants by 80%. Use the Green Trade Corridor to “Green” your business.
To learn how your business can benefit from the Marine Highway, contact the Port of Stockton Operations Department at 209-946-0246 or visit M-580.com. Chair Victor Mow, Vice Chair Gary Christopherson, Commissioners Stephen Griffen, R. Jay Allen, Elizabeth Blanchard, Michael Patrick Duffy, Sam L. “Butch” Toccoli and Port Director Richard Aschieris.
30
Central Valley Business Journal
March 2014
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March 2014
31
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VOCATIONAL SCHOOLS
In San Joaquin and Stanislaus Counties. Ranked by Enrollment. Ties are Listed in Alphabetical Order. Rank
School Name Address
Local Contact Phone Web Address
Average Tuition
Average Program Completion Time
Enrollment
Educational Programs
Accreditation
Year Est.
1
Marinello Beauty College 445 W. Weber Avenue, Ste. 223 Stockton, CA 95203
(209) 948-1000 marinello.com
$18,000
10 months
85
Cosmetology, manicuring, massage therapy and esthetician
NACCAS
1905
2
San Joaquin & Calaveras Electrical Training & Educational Committee 1531 El Pinal Drive Stockton, CA 95204
David Brooks, Training Director (209) 462-0751 ibew595.org
Varies
5 years
56
Electrical training
State of California
1954
3
Insurance School of the Central Valley 121 E. Orangeburg Avenue, Ste. 12/14 Modesto, CA 95350
(209) 521-0874 insuranceschoolofcv.com
$325
1 week
50
Pre-licensing for property, casualty, life, health, funeral and burial
California Department of Insurance
1992
4
North Adrians Beauty College 124 Floyd Avenue Modesto, CA 95350
Pat Cochran (209) 526-2040 adriansbeautycollegemodesto.com
Varies by program
20 weeks
50
Cosmetologists, estheticians, manicurists and cosmetology instructors
CPPVE
1956
6 weeks for business classes; 12/15 weeks for vocational programs
42
Computer office specialist, solar photovoltaic specialist, property management, HVAC/R technician, medical billing and coding, bookkeeping. Language classes offered on line or on ground. Job placement assistance with vocational programs. 3 semesters a year
CPPVE
1989
Dan Guerra, Director (209) 529-3648 communitybusinesscollege.edu
$89 for business
5
Community Business College 3800 McHenry Avenue, Ste. M Modesto, CA 95356
6
DeHart Technical School 311 Bitritto Way Modesto, CA 95356
Jeff Painter (209) 523-4578 deharttech.com
$5,335$9,900
6-11 months
40
Building maintaince/HVAC course 1, Building maintenance/HVAC course 2 and Building maintenance/HVAC course 3
NCCER Approved by CPPVE
2010
7
Cal-Trade Welding School 424 Kansas Avenue Modesto, CA 95351
Maria Rodgrigues, Admin. (209) 523-0753 caltradeweldingschoolofmodesto.com
$8,500
18 weeks
28
Welding training and certification
CPPVE
1979
8
Western Pacific Truck School 2111 March Lane, Ste. 2 Stockton, CA 95207
Bob Schauer, President/CEO (209) 472-1500 wptruckschool.com
$4,500
4-7 weeks
10-12 per class 30 staff
Class A CDL program, truck driver training, Class B CDL and forklift training
Approval to operate Bureau for Private Post-Secondary Education
1977
9
Northern California College of Construction 315 Fyffe Street, Ste. A Stockton, CA 95203
Mindy Jackson, Campus President (209) 242-5400 ccc-north.com
$8,380
3 weeks
10
Heavy equipment and crane
NCCER
2006
10
Abrams College 201 E. Rumble Road, Ste. E Modesto, CA 95350
Daniel Lucky, President (209) 527-7777 abramscollege.com
$775-$2,775
Part-time programs vary in length
WND
Massage therapist, medical transcriptionist, EMT, phlebotomy, pharmacy technician, paralegal and administrative assistant and more
CPPVE
1990
11
ACI Career College 2412 McHenry Avenue Modesto, CA 95350
Sherri Cytanovich, Campus Director (209) 338-6224 acicareercollege.com
Varies
Varies
WND
Career vocational training and classes
CPPVE
1950s
12
Computer Tutor Business & Technical Institute 4300 Sisk Road Modesto, CA 95356
George Rawe, Director (209) 545-5200 computertutor.com
Varies
Varies
WND
Computer software application classes, career programs and skills workshops
ACCSC, Microsoft certification
1986
13
Institute of Technology 5737 Stoddard Road Modesto, CA 95356
Lillian Enger, President (209) 545-3100 it-colleges.edu
Varies by program
40 weeks
WND
Accounting, administrative, criminology, culinary arts, HVAC, HR, medical, pharmacy and web and graphic design
CPPVE
1986
14
Modesto Technical College 1300 N 9th Street Ste. D Modesto, CA 95350
(209) 524-7037 modestotechcollege.com
Varies
Varies
WND
Automotive, welding, maintence technology and industrial refrigeration
ASE, AWS, ESCO HVAC, and REIA cerifications
1996
15
ITT Technical Institute 16916 S. Harlan Road Lathrop, CA 95330
Sherry Babauta (209) 858-0077 itt-tech.edu
Varies by program
2-4 years
WND
School of information technology, electronics technology, drafting and design, business and criminal justice
ACICS
1997
$3,500 for vocational
These lists are provided as a free service by the Central Valley Business Journal for its readers. As such, inclusion is based on editorial consideration and is not guaranteed. If you would like your business to be included in a list, please write to: Research Department, Central Valley Business Journal, 4512 Feather River Drive, Ste. E, Stockton, CA 95219, fax your information to Research Dept. (209) 477-0211 or email research@cvbizjournal.com. Copyright Central Valley Business Journal. Researched by Danette Conley 01/2014
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Central Valley Business Journal
March 2014
COLLEGES AND UNIVERSITIES In San Joaquin and Stanislaus Counties Ranked by Enrollment. Ties are Listed in Alphabetical Order. Rank
School Name Address
Web Address Phone
Full-time faculty Part-time faculty
Total Enrollment
Degrees
Accredited By Type of Institution Tuition
Year Established
1
Modesto Junior College 435 College Avenue Modesto, CA 95350
mjc.edu (209) 575-6067
247
18,500
A.A. and A.S.
Accrediting Commission for Community & Junior Colleges $46 per unit
1921
2
San Joaquin Delta College 5151 Pacific Avenue Stockton, CA 95207
deltacollege.edu (209) 954-5151
500 total
18,000
A.A and A.S.
ACCJC Public two year community $36 per unit/resident $46 per unit/nonresident
1963
3
California State University Stanislaus One University Circle Turlock, CA 95382
csustan.edu (209) 667-3122
265 178
8,305
Baccalaureate, teaching credentials, Master’s and other professional studies
WASC Public $254/unit/semester
1960
4
University of the Pacific 3601 Pacific Avenue Stockton, CA 95211
pacific.edu (209) 946-2011
348 WND
6,717
Bachelor’s, Master’s, First Professional and Doctoral
WASC Non-Profit $1,643per unit (approx. $25,179 per semester, plus fees)
1851
heald.edu (209) 477-1114 (209) 416-3700
WND 8
1,395 847
Associate of Applied Science and Associate of Arts Degree
WASC Private, two-year WND
1863
5
Heald College 1605 E. March Lane Stockton, CA 95210 5260 Pirrone Court Salida, CA 95368
6
San Joaquin Valley College 5380 Pirrone Road Salida, CA 95368
sjvc.edu (209) 543-8800
22 19
1,059 (July 2010-June 2011)
Certificate and Associate of Science Degrees
WASC Private $19,000 per year
1977
7
UOP McGeorge School of Law 3200 Fifth Avenue Sacramento, CA 95817
mcgeorge.edu (916) 739-7199
51 72
1,020
Juris Doctorate, L.L.M., public policy and internal business
American Bar Association Non-Profit $1,458 per unit $42,972 per year
1924
8
National University 3520 Brookside Road Stockton, CA 95219
nu.edu (209) 475-1400
17
960
A.A., B.A. and M.A., Teaching Credentials
WASC Private $316/quarter unit $1,422/quarter unit course
1972
9
Humphreys College 6650 Inglewood Avenue Stockton, CA 95207
humphreys.edu (209) 478-0800
160
900
Certificates, Associate’s, Bachelor’s, Master’s and Juris Doctor
WASC Private $310 per quarter unit $1,240.00 min/tuition charge
1896
10
Kaplan College Modesto 5172 Kiernan Court Salida, CA 95368
modesto.kaplancollege. com (209) 543-7000
50 total
500
Allied health and criminal justice
ACCJC Private $21,000 per year
2008
11
UEI College 4994 Claremont Avenue Stockton, CA 95207
uei.edu/one (209) 774-5332
10
430
Business admin, computer sytems tech training, criminal security admin, dental & medical asst., medical billing, pharmacy tech training
ACCJC Private $16,600 (8 mos)
2011
12
Brandman University 5222 Pirrone Court Salida, CA 95368
brandman.edu (209) 545-1234
6 3 many adjuncts
400 +
Associates, Bachelors, Masters and Credentials
WASC Private, Non-profit $360/ B.A. per unit
1958
13
Teachers College of San Joaquin 2857 Transworld Drive Stockton, CA 95206
teacherscollegesj.org (209) 468-9155
11 65
240
M.Ed., Teaching credentials, administrative services credential
WASC (pending) Public $12,800 per semester (includes books, materials and an IPad)
2009
14
MTI Business College 6006 N. El Dorado Street Stockton, CA 95207
mtistockton.com (209) 957-3030
16 1
110
Office admin, medical and office asst., computer specialist, legal assistant
ACCJC, BPPE Private $7,625-$9,090 (9-10 months)
1968
15
Carrington College California 1313 W. Robinhood Drive, Ste. B Stockton, CA 95207
carrington.edu (209) 956-1240
NA
NA
Certificate and associate degrees
ACCJC Private $325-$798
1967
16
University of Phoenix 5330 Dirron Road Salida, CA 95368
phoenix.edu (800) 266-2107
NA
Associates, Bachelors, Masters and Doctorate
North Central Association of the Higher Learning Commission Private $8,000 to $12,000 per year
1976
NA
These lists are provided as a free service by the Central Valley Business Journal for its readers. As such, inclusion is based on editorial consideration and is not guaranteed. If you would like your business to be included in a list, please write to: Research Department, Central Valley Business Journal, 4512 Feather River Drive, Ste. E, Stockton, CA 95219, fax your information to Research Dept. (209) 477-0211 or email research@cvbizjournal.com. Copyright Central Valley Business Journal. Researched by Danette Conley 02/2014
March 2014
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Central Valley Business Journal
March 2014
Providing the best customer service with social media I was lucky enough to attend the Daytona 500 a few weeks ago. I was most intrigued with the detail NASCAR went into to assure fans who attend a race receive a better experience than they could get watching at home on their TV. Besides the many screens all over the racetrack and the announcers voices, fans could rent a small device called “FanVision” (www.fanvision. com/nascar). This small device provided the live broadcast, in-car cameras, alternative views, instant replays, stats, radio scanners and a variety of other features. Being at the track paired with FanVision, you had the ultimate experience. The FanVision device only works at NASCAR tracks. You can rent the device for one use or buy the device for the season. It was pretty amazing to have that amount of control over your own experience of NASCAR. Most of us do not have a high energy 200 mph business that people would want to watch from multiple camera angles, but the experience NASCAR provides got me thinking. How can I, as a small business owner, provide the ultimate experience to my customers? What channels could I use to provide my clients with valuable content and options? The channels are out there my friends, and we call them social media. Facebook: I like to think of Facebook
as my neighborhood. I interact with friends on Facebook the same way I would interact with various neighbors who live near me, even if they don’t actually live close by. As a business, I try to help out like a local friendly neighborhood business would. I post content that I believe helps people better understand online marketing and when I see someone has a need, Jerad Hill I do my best to Owner help them figure Hill Media Group it out. Each of my neighbors is different, so I try to share things that could be of interest to most of them. Since they decided to friend me, or like my business page, they must have some sort of interest in what I have to offer. That is why I try my best to keep it relevant. I don’t want to waste their time. I want to be the go-to neighbor (Facebook friend) they think of when it comes to website design, online marketing and social media. Twitter: Twitter has a different role for me personally than it does for
Social Maverick
business. When I interact using my personal account, I am being myself. I try to be helpful when someone needs it and funny on occasion. When it comes to using Twitter for my business, I feel like it is important to have a personality behind it. Businesses on Twitter are often bland and focus too much on posting about their business. We live in a world where face to face interaction is decreasing so I believe it is important to replace that with as much personality as possible. This is why you often see business Twitter accounts linked to actual people’s names, or you see a signature at the end of a tweet identifying who posted it. It’s important to provide value and use Twitter to help your customers, but don’t let that trump personality. Of course you have to be responsible, but I think you can be light-hearted and help people at the same time. Make it fun, your customers will enjoy following you and most likely respond to more of your tweets. Pinterest: This is where you get visual and inspire people. Pinterest allows you to curate lists or groups of things. You can create and pin items yourself of curate groups of things you find around the web. When you do this as a business, you want to have a happy medium of inspiring ideas that incorporate your products or services and
items that do not. You do not want to come across as overly self promoting. Whole Foods does a good job of this on Pinterest. Besides its many specific recipe boards it also has boards that showcase beautiful kitchens, gardens, kitchen gadgets and more. Your food is kept and cooked in the kitchen, so that is what its Pinterest profile is all about. They surround their customers with inspiring things that fit into the lifestyle of the average Whole Foods customer and their Pinterest followers love them for it. Find a way you can inspire your customers to do more by curating inspiring boards of content for them to browse. YouTube: Not only is YouTube the No. 2 search engine but people all over the world are consuming more than six billion hours of video content on YouTube each month. Video can be used to entertain and inform. Creating a YouTube Channel for your company is a great way to showcase customer testimonial videos, howto videos or product demos. Take advantage of playlists and create a variety of content. You don’t need a huge budget for video, just focus on the audio. I always tell people that nothing kills a good video like bad audio. We can handle lower resolution video but when the audio is bad, it’s unbearable.
Diamond Sponsor $7,500.00
Please see SOCIAL MAVERICK Page 44
Official sponsor of Business to Business Expo Pavilion, table for ten (10), website & social media promotion, full page program advertisement, event recognition, exhibit table, opportunity 8:30 am Registration opens to conduct a Hot Topic session (as available) and invitation to Diamond Sponsor $7,500.00 VIP meet & greet with keynote speaker. Official sponsor of Business to Business Expo Pavilion, table for Official sponsor of Business to Business Expo Pavilion, for 8:30-12:00 pm table Business to Business Expo ten (10), website & social media promotion, full page program Platinum Sponsor $5,000.00 ten (10), table, website & social media promotion, full page program advertisement, event recognition, exhibit opportunity Table for ten (10), website & social media promotion, full 8:30 am Registration opens event recognition, exhibit table, opportunity to conduct a Hot Topic sessionopportunity (asadvertisement, available) invitation page program advertisement, to and conduct a Hot to 9:00-2:15 pm Hot Topic workshop 8:30 amsessio to conduct a Hot Topic session (as available) and invitation to VIP meet & greet with keynote Topic session (as available) and speaker. invitation to VIP meet & greet
AGENDA
Diamond Sponsor $7,500.00
Diamond Sponsor $7,500.00
AGENDA
Official sponsor of Business to Business Expo Pavilion, table for VIP meet & greet with keynote speaker. with keynote speaker. 8:30-12:00 pm Business to Business Expo ten (10), website & social media promotion, full page program $5,000.00 Platinum Sponsor 11:00-11:45 am VIP meet & greet with spe 8:30-12:00 p advertisement, event recognition, exhibit table, opportunity Table for ten (10), website & social media promotion, full Platinum Sponsor $5,000.00 Gold Sponsor $2,500.00 8:30 am Registration opens to conduct a Hot Topic session (as available) and invitation to page program advertisement, opportunity to conduct a Hot 9:00-2:15 pm Hot Topic workshop sessio Tableadvertisement, for ten (10), website mediapm promotion, full Table for eight (8), half page program exhibit & social 12:00 Lunch with keynote speak VIP meet & greet with keynote speaker.Topic session (as available) and invitation to VIP meet & greet table and invitation to VIP meet & greet with keynote speaker. opportunity to conduct a Hot page program advertisement, 9:00-2:15 pm with keynote speaker. Whitney MacDougall 8:30-12:00 Business to Business Expo Topic session (as pm available) and invitation to VIP meet & greet 11:00-11:45 am VIP meet & greet with spe WHITNEY MACDOUGALL Platinum Sponsor $5,000.00 Silver Sponsor$2,500.00 $1,500.00 with keynote speaker. Vice President, Gold $75 per person. Table for ten (10), website & social media promotion, Table forSponsor six (6), full program recognition and invitation to 11:00-11:45 HOT TOPIC SESSIONS: Corporate Affairs - Intuit Inc. Table eight (8), half page program advertisement, page program advertisement, opportunity tofor conduct awelcome Hot keynote speaker reception. 9:00-2:15 pm exhibit Hot Topic workshop sessions 12:00 pm Lunch with Speaker keynote speak Gold Sponsor $2,500.00 table and invitation to VIP meet & greet with keynote speaker. Business & Healthcare Keynote Guidelines, Small Busin Topic session (as available) and invitation to VIP meet & greet Whitney MacDougall Table for eight (8), half page program advertisement, exhibit Financing, Effective Business & Marketing 12:00 pmSolu Exhibitor $350.00 with keynote speaker. Silver Sponsor $1,500.00 table and invitation to VIPVIP meet & greet keynote 11:00-11:45 meet & with greet withspeaker. speaker One (1)(2)exhibit tableam and two (2) lunch tickets. One (1) exhibit table and two lunch tickets.
AGENDA
Individual Lunch Reservation Exhibitor $350.00
HOT TOPIC SESSIONS: Gold Sponsor $2,500.00 keynote speaker welcome reception. Silver Sponsor $1,500.00 Business & Healthcare Guidelines, Small Busin Table for eight (8), half page program advertisement, exhibit Table for six (6), program recognition and invitation to
AGENDA - 8:30Financing, am toEffective 2:15 pm Business & Marketing Solu
12:00 pm(6), program Lunch with Company: _____________________________________________ Name: ________________________________________________________ Table for six recognition andkeynote invitation speaker to H
table and invitation to VIP meet & greet with keynote$350.00 speaker. Exhibitor
keynote speaker welcome reception.
Whitney MacDougall One (1)__________________________________________________________ exhibit table and two (2) lunch tickets. Business &H Address: City: __________________________________State: _______
Silver Sponsor $1,500.00
►
Hot Topic Business Workshops
Exhibitor $350.00
Financing, Eff
____________________ Fax: ____________________ Email:TOPIC ________________________________________________________ Table for six (6), program recognitionPhone: and invitation to HOT SESSIONS: ► table One (1) exhibit and twoto (2)Business lunch tickets. Business Expo keynote speaker welcome reception. Name: ________________________________________________________ Company: _____________________________________________
Sponsorship level: Diamond Platinum Gold & Healthcare Silver Bronze Guidelines, Exhibitor Individual Luncheon Reservations: _______ at $7 Business Small Business ► VIP Sponsor Meet & Greet with__________________________________State: Whitney MacDougall Address: __________________________________________________________ City: _______ Financing, Effective Business & Marketing Solutions Amount Included: ____________ Name: Check________________________________________________________ Visa Mastercard American Express Discover Card Company: ________ One (1) exhibit table and two (2) lunch tickets. Phone: ____________________ Fax: ____________________ Email: ________________________________________________________ Card Number: __________________________________________________ Exp. _____ Authorized Signature: ___________________________ Address: __________________________________________________________ City: _________ _______ at $7 Sponsorship Platinum Gold County SilverHispanic Bronze Luncheon Reservations: Send checklevel: or credit Diamond card information to: San Joaquin ChamberExhibitor of CommerceIndividual • 7500 West Lane, Suite 111 • Stockton, CA 9521 Call (209)943-6117 or email info@sjchispanicchamber.com Telephone: 209.943.6117 • Fax: 209.943.0114 •www.sjchispanicchamber..com Company: ______________________________________________________ Name: ________________________________________________________ ____________________ Email: Amount Included: ____________ Phone: Check____________________ Visa Mastercard Fax: American Express Discover Card ______________________
Exhibitor $350.00
RESERVE YOUR SEAT TODAY
San Joaquin County Hispanic Chamber of Commerce
Card Number: __________________________________________________ Exp. _____ Authorized Signature: Address: __________________________________________________________ City: __________________________________State: _______ Zip: ______Exhibitor Sponsorship level: Diamond Gold CA Silver Bronze Indi 7500 West Lane. Suite Platinum 111 • Stockton, 95210___________________________
Send check or credit card information to: San Joaquin County Hispanic Chamber of Commerce • 7500 West Lane, Suite 111 • Stockton, CA 9521
www.sjchispanicchamber.com Amount Included: ____________ Check• Fax: 209.943.0114 Visa Mastercard American Express Phone: ____________________ Fax: ____________________ Email: _________________________________________________________________ Telephone: 209.943.6117 •www.sjchispanicchamber ..com
Number: __________________________________________________ BronzeCard Exhibitor Individual Luncheon Reservations: _______ at $75 each Exp. _____ Authorize Send check or credit card information to: San Joaquin County Hispanic Chamber of Commerce • 7 Amount Included: ____________ Check Visa Mastercard American Express Discover Card Telephone: 209.943.6117 • Fax: 209.943.0 Card Number: __________________________________________________ Exp. _____ Authorized Signature: ___________________________________ Sponsorship level:
Diamond
Platinum
Gold
Silver
Thursday, March 20, 2014
Send check or credit card information to: San Joaquin County Hispanic Chamber of Commerce • 7500 West Lane, Suite 111 • Stockton, CA 95210 Telephone: 209.943.6117 • Fax: 209.943.0114 •www.sjchispanicchamber..com
March 2014
www.cvbizjournal.com
35
How to choose a new tablet that will be right for you It is hard to believe, but the iPad, a product that redefined the tablet market, was introduced less than four years ago, and since then, the market seems to have exploded with seemingly endless options for potential buyers. I can tell you from personal experience that, between the vast array of choices and highly prejudiced salespeople, shopping for a James Dempsey new one can be Owner/Partner of a confusing and ITSolutions|Currie intimidating experience. The first defining factor when differentiating between tablets isn’t the hardware at all; rather, it is the operating system (OS). Today, there are three major players vying for market space: Apple’s iOS, Android, and Windows 8. In much the same way Mac and PC users have spent years quibbling over whose system is best, tablet users can be quite passionate about their chosen platform. For the most part, the tablet has best been viewed as a media consumption device. Content creation and complex data input were best left to traditional PCs or laptops which, though less portable, were more comfortable to work in front of for hours on end and offered better keyboard and larger screen options. For most Apple iOS and Android tablets, this is still the case. Recently however, Windows 8, the same OS you would run on a full-blown PC, has begun making headway in the tablet market. Suddenly, you can run most of your standard Windows programs right there on a tablet with a wireless Bluetooth keyboard, and content creation becomes more palatable. Still, content creation may not be your thing. Many people I know simply want to check emails, browse the web, and watch Netflix. Apple and Android tablets excel in this area. Many people shopping for their first tablet have, based upon previous purchases, already chosen their vendor camp. If you own an iPhone and a Mac then, as a hardcore Apple fan, you probably want to stick with the iPad. That way, all of your content, apps and data, will seamlessly sync between devices via the tools already provided by Apple (iCloud). The user interface is pretty much identical between the iPhone and iPad, so there will be almost no learning curve. Also, Apple has the largest selection of available apps. Not everyone is a fan of the Apple environment, though. The tradeoff for having such a predictable and simple environment is that it is highly constrictive. Sometimes, you just want to plug in a USB key and transfer some
Practical Technology
data – easy on the Android, impossible on the iPad. Among techies, the Android is considered to be more flexible, to allow more user control, and to provide a “deeper environment” to interact with. As such, it seems to be the preferred OS for people that like to tinker with the technology. Like the Apple fans, Android users often have multiple devices that seamlessly sync information between them. Windows 8 allows us to think differ-
ently about how tablets can be used in the working world. My wife is not particularly ensconced in either the Apple or Android camps, but she is a long time Windows user. For her, content creation is important, and full compatibility with her existing Windows computer and Microsoft Office documents is highly desirable. There are a couple of different flavors of Windows 8 tablets, though, and the differences are important. Windows 8 RT is a light, simplified version. It is
closer in behavior to a phone OS than a computer one. As such, tablets running Windows 8 RT are fast, have great battery life, and are very affordable. The primary difference between RT and its big brother, Windows 8, the full version, is that RT only runs apps from the Microsoft Store. In that way, it is similar to the Apple and Android. If you want to run standard Windows Please see PRACTICAL TECHNOLOGY Page 37
36
Central Valley Business Journal
Test-tube trees
March 2014
Duarte Trees and Vines leads cutting edge cloning technology By PATRICIA REYNOLDS Business Journal writer HUGHSON – If you enjoy sipping a class of chardonnay while munching on a handful of almonds, your beverage and snack very likely started out as plant tissue cultivated and nurtured in a laboratory in Stanislaus County. Duarte Nursery Incorporated (DNI), located in Hughson, has developed clonal rootstock genetics, a process the company utilizes to commercially supply the agriculture industry in California and the western United States. Founded in 1989 by Jim and Anita Duarte, DNI is now perhaps the largest permanent crop nursery in the country. Remaining family owned and operated and with sons John and Jeff Duarte now managing daily operations, DNI’s primary nursery crops include almond, pistachio, walnut, and citrus trees and wine grapevines. The company will introduce avocado trees, kiwi fruit, and pecan trees over the next few years. All of the nursery’s offerings are
clonal, and DNI leads in transforming the nursery industry to lab plant propagation. “DNI is a leader in clean plant technologies for trees and vines,” ” said John Duarte, DNI’s president. “Our company has pioneered clonal rootstock genetics for many tree crops. Clonal rootstocks replace traditional seedling rootstocks and offer growers more precise genetics for increased uniformity, higher resistance to soil pests and diseases and better environmental adaptability.” While the process itself varies somewhat between tree crops and grapevines, clonal propagation means that instead of introducing a seed to soil for growth, plant tissue is removed from a source or “mother” plant then cultivated and replicated in a lab environment. Multiples or clones of the original plant are produced, then later grown in containers prior to shipment. The process provides clean plant propagation because the tree or vine is not introduced to soil until the grower
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ELIZABETH STEVENS/CVBJ
Production technician helps propagate pistachio cuttings in a nutrient medium at Duarte’s lab in Hughson.
plants it in his own orchard or vineyard. Soil-borne pests or diseases are therefore never shipped from the nursery. Perhaps the most powerful advantage of the clonal process, however, is the quality of the end product. “Attributes identified by growers such as higher production, robust root system, drought and salt tolerance are looked for in a mother tree or vine. All resulting plants will then share the same DNA,” said Vice President of Operations Jeff Duarte. Pistachio, almond, and walnut clonal rootstocks make up the majority of plants grown in Dry Creek Lab, a facility housed on Duarte Nursery’s 200-acre Hughson facility. Tended to by approximately 65 lab employees, up to 2 million baby trees at any one time are grown there in small plastic containers filled with a nutrients media the consistency of gelatin. All started from a mother plant as tissue, collected as shoot tips. Every four weeks, lab technicians pluck the fledgling plants, separate more tissue and repropagate them into additional containers, thereby replicating them in vitro. Termed micro-propagation, what goes on at Dry Creek Lab is becoming the industry norm. “Growers want uniform and consistent production. The industry is transforming to the lab where that can be provided. Whenever cloning becomes available in the ag industry, it has become the standard,” said Jeff Duarte. Eventually the tree plants are containerized where they are either budded or shipped to the grower. Budding is the process of inserting the desired fruit or nut variety into the clonal rootstock. Pistachio and walnut plants are sold as rootstock and budded by the farmer while almonds are budded at Duarte Nursery prior to shipment and according to customers’ requirements. Grapevines follow a somewhat different path. Tissue also is cultivated from a mother source but then planted as vines in greenhouses.
The greenhouse vines are eventually planted in off-site Duarte-owned vineyards where they are later processed for rootstock. “After harvest, plants go dormant and are cut up into bundles. These are harvested into 12-inch sticks, which become the clonal rootstocks. The rootstocks then get grafted with whatever wine grape variety a customer requests. There are thousands of different combinations possible,” said Jeff Duarte. Called bench grafting, the nursery produces 200,000 custom bench grafted vine rootstocks a day. The clonal formula is a winning one for Duarte. Despite the dour economic conditions of the past several years, the nursery has thrived. “In general agricultural tree and vine nurseries have done well over the past few years. Duarte Nursery has nearly tripled in size over the past four years and is continuing to expand. We are using the up cycle in agriculture and low interest rates as an opportunity to modernize our facility also,” said John Duarte. California’s water problems, however, greatly threaten the state’s agriculture industry as a whole. “The drought is impacting a number of our customers. We haven’t seen any major cancellations so far. There may be growers who would plant more if they had confidence in water availability. I believe that many farmers are still looking up at the sky and hoping for rain this year – it looks like we are getting a bit,” John Duarte said. Still, Duarte remains positive for the future. “Our outlook is that fruit and nut plantings will be able to transition from the robust growth in the past few years towards a more moderate growth rate. Nursery sales may level off for grapes, almonds, walnuts and pistachio. We expect to have good sales growth in citrus, avocado and a few other specialty crops,” said John Duarte.
March 2014
37
www.cvbizjournal.com
Modesto manufacturing firm makes global deal MODESTO -- Boyd Corporation, which provides precision-engineered components, will purchase the Asian and European Die-Cut businesses of Brady Corporation, in a deal the company said would expand Boyd’s worldwide presence. “This transaction is a great opportunity to join together two businesses with complementary strengths that, combined, will build a level of integrated global capabilities that will benefit our customers, suppliers and employees,” said Boyd Corporation President and CEO Mitch Aiello. Based in Modesto, Boyd Corporation’s portfolio includes environmental seals and gaskets and energy management components, including EMI shielding, acoustic and thermal insulation, cushioning and shock absorption, thermal management, and bonding systems. The company said the acquisition was important because will bring a broader array of precision manufacturing, product design and engineering capabilities that will further enhance Boyd’s delivery of performance-critical energy management components. “It is core to Boyd’s strategy, further entrenches us in high-growth markets and expands our global footprint in critical locations around the world,” Aiello said. “We are thrilled to have this business and its talented people as part of the Boyd team.” Boyd will add facilities across Asia and Europe, which will allow the company to optimize logistics and use the best materials from around the world. Additional facilities will be located in Shenzhen, China; Langfang, China; Wuxi, China; Syke, Germany; Gumi, Korea; Nodinge, Sweden; Chon Buri, Thailand; and, Taipei, Taiwan. The transaction is expected to close in two phases, with the first closing
CVBJ
PRACTICAL TECHNOLOGY Continued from Page 35
programs, as well as apps from the store, you need Windows 8 (sans RT). This is a full blown PC OS running on powerful tablet hardware. Windows 8 tablets can do most things full laptops can. As such, they offer the deepest, richest, and most configurable environment. At this level, they are not trying to compete with the simplicity of an iPad. Quite the opposite, they are offering the depth and power of a full blown computer. The hardware tends to be a little thicker and heavier to support the extra horsepower, but many of the newest full Windows 8 tablets are very impressive units, tiny by laptop standards, and highly portable. In the end, it comes down to what you want to do with the device and who you want to be compatible with. Certainly, the tablet has entered the mainstream consumer market and is working its way into the business world.
expected to occur within approximately 90 days of its signing, and the second closing expected to occur mid year. It is also subject to approval under Korean antitrust laws. When the transaction is complete, the newly acquired business will operate under the Boyd brand.
PHOTO COURTESY: BOYD CORPORATION
The Boyd Corporation, with headquarters in Modesto, a market leader in engineered environmental sealing.
38
Central Valley Business Journal
March 2014
NURSERIES AND LANDSCAPE SUPPLY COMPANIES In San Joaquin and Stanislaus Counties. Ranked by Wholesale to Retail Sales. Listed in Alphabetical Order. Company Name Rank Address
Local Contact Local Phone Web Address
Specialty
Hours
Products
Year Est.
Fruit, nut and shade trees commercial sales only
1938
3
Delta Bluegrass Company 111 N. Zuckerman Road Stockton, CA 95206
Ed Zuckerman (209) 469-7979 deltabluegrass.com
Native and water saving varieties
Mon. - Fri. 7 a.m. - 5 p.m. Sat. 7 a.m. - noon
Largest Northern California growers of premium peat grown sod wholesale and retail sales
1978
4
Duarte Nursery 1555 Baldwin Road Hughson, CA 95326
John and Jeff Duarte (209) 531-0351 duartenursery.com
Commercial agriculture nursery Dry Creek Lab, microprogagation, containerized growing, clonal rootstock and tissue culture
Mon. - Fri. 8 a.m. - 5 p.m.
Permanent crops, almonds, avocados, cherry, citrus, pistachios, walnuts, grapevines and poinsettias wholesale commercial sales
1989
5
Green Tree Nursery 23979 Lake Road La Grange, CA 95329
Karlene Hanf (209) 874-9100 greentreenursery.com
Seasonal product December - March
Mon. - Fri. 8 a.m. - 5 p.m.
Walnut, pecan, almond and fruit trees, licensed retail sales available
1966
6
Hollandia Nursery, Inc. 6012 Woodland Avenue Modesto, CA 95358
Henry Vanklavren (209) 523-1006 hollandianursery.com
Patio trees and espalier trees (trellis style trees)
Mon. - Fri. 7 a.m. - 4 p.m. Spring 7:30 - 4:30 Fall
Trees, fruit, vines, shrubs, perennials and ferns wholesale commercial sales, licensed retail sales
1956
Company Name Rank Address
1
2
Delta Tree Farms, Inc. 12900 N. Lower Sacramento Road Lodi, CA 95242 Four Seasons Farms 1660 California Avenue Modesto, CA 95358
Local Contact Local Phone Web Address Donald Oliver (209) 334-4545 deltatreefarms.com
X
X
X
X
X
X
X
X
X
Ann Endsley (209) 523-8061 None
X
X
X
Hollendutch Nursery 11677 N. Davis Road Lodi, CA 95242
Arthur Duivenvoorve (209) 465-4542 None
5
M&M Builders Supply & Nursery Sales 8010 E. 11th Street Tracy, CA 95304
Shawn Kelley (209) 835-4172 mandmbuilderssupply.com
X
X
X
X
6
Morris Nursery 1837 Patterson Road Riverbank, CA 95367
Ron Hoffmann (209) 527-5553 morrisnursery.com
X
X
X
X
7
New Bud’s Nursery 23563 S. Manteca Road Manteca, CA 95337
8
P&L Concrete Products, Inc. & Garden Center 1900 Roosevelt Avenue Escalon, CA 95320
9
Plants & Produce 15789 E. Harney Lane Lodi, CA 95240
Bill Renfro (209) 727-0323 None
10
Port Stockton Nursery 2910 E. Main Street Stockton, CA 95205
Jeff Nelson (209) 462-0853 portstocktonnursery.com
11
Quail Lakes Nursery/Hillside Landscaping 3404 Shadowbrook Drive Stockton, CA 95219
12
Sierra View Plant Nursery 3342 Claus Road Modesto, CA 95355
13
X
X
Todd Roddan (209) 824-7403 newbudsnursery.com
X
X
X
X
X
Arlene Francis, president (209) 838-1448 plconcrete.net
X
X
X
X
X
X
X
X
X
X
X
Specialty Other Products Services
Year Est.
Mon. - Fri. 7:30 a.m. - 4:30 p.m. Sat. 7:30 a.m. - 2:30 p.m.
Grower of 1 gallon to 36� box size shrubs and trees
1977
Mon. - Sun. 9 a.m. - 5 p.m.
Professional landscape intallation irrigation, custom paths and patios
1981
Mon. - Fri. 8 a.m. - 5:30 p.m. Sat. - Sun. 8 a.m. - 5 p.m.
Fountains, landscaping services, trees, garden accessories and water plants
1979
X
Mon. - Sat. 7 a.m. - 5 p.m. Sun. 10 a.m. - 2 p.m.
Fruits, vegetables, shade trees, garden furniture and bedding plants
1946
X
X
Mon. - Sat. 8:30 a.m. - 5:30 p.m. Sun. 9 a.m. - 5 p.m.
Landscaping, roses and trees
1996
X
X
X
X
X
X
X
X
X
Mon. - Sat. 9 a.m. - 5 p.m. Sun. 10 a.m. - 4 p.m.
Full landscape design and installation and large selection of tropical plants
2007
X
X
X
X
X
Mon. - Fri. 7 a.m. - 5 p.m. Sat. 7 a.m. - 4 p.m. Closed Sundays
Full service nursery, over 40 bins of decorative rock, soil and bark. Custom potting is our specialty
1972
X
X
Mon. - Sat. 9 a.m. - 4:30 p.m. Sun. 9 a.m. - 2:30 p.m.
Full service nursery
1989
Mon. - Sat. 8 a.m. - 5 p.m. Sun. 9 a.m. - 5 p.m.
Roses, bulbs, deciduous trees, planting supplies, vines and cactus
1929
Mon. - Sun. 8 a.m. - 5 p.m. Sat. 8 a.m. - 5 p.m.
Licensed landscape contractor, custom landscape construction, design and installation, gift shop
1978
Mon. - Sun. 8:30 a.m. - 5:30 p.m. closed Sunday in winter
Plant specialist 100 year old Olive trees, tropical plants and large assortment of palms
2010
X
Steve Allen (209) 477-4737 None
X
X
X
X
X
Randy Powell (209) 551-2121 sierraviewplantnursery.com
X
X
X
X
X
The Garden Shoppee 11013 N. Davis Road Lodi, CA 95242
Tony Fugazi (209) 333-6287 None
X
X
X
X
X
14
The Greenery Nursery and Garden Shop 742 E. Olive Avenue Turlock, CA 95380
Jay DeGraff (209) 632-4214 None
X
X
X
X
15
The Home Depot 5010 Feather River Drive Stockton, CA 95219
Jeff Eder (209) 474-8285 homedepot.com
X
X
X
X
16
Westurf Nursery 1612 Claus Road Modesto, CA 95355
Elena Welch (209) 576-1111 westurf.net
X
X
X
X
X
X
1942
Hours
X
4
Landscape Install
Mon. - Fri. 7 a.m. - 3:30 Sat. 7 a.m. - noon
Landscape Design
Wholesale for commercial and retail sales proactive helpful website
Statuary/Pottery
Robert Doolley (209) 874-1821 davewilson.com
Ground Covering
Dave Wilson Nursery 19701 Lake Road Hickman, CA 95323
Decorative Rock
2
Sod
Fruit and nut trees
Patio Furniture
Mon. - Fri. 7 a.m. - 4 p.m.
Shade Trees
Sell only to commercial farmers and garden centers Open Saturdays 7 a.m. - noon, Jan. - Feb.
Annual/Perennial
Ron Boone (209) 845-8733 burchellnursery.com
Fruit Trees
Burchell Nursery, Inc. 12000 State Hwy. 120 Oakdale, CA 95361
Delivery
1
X
X
X
X
X
X
X
X
X
X
X
Mon. - Sat. 9 a.m. - 5 p.m. Sun. 10 a.m. - 5 p.m.
Landscape design
1998
X
X
X
X
X
X
Mon. - Sat. 8 a.m - 5:30 p.m. Sun. 9 a.m - 4 p.m.
Exceptional and knowledgeable staff workshops and classes
1996
X
X
X
X
Mon. - Sat. 6 a.m. - 10 p.m. Sun. 7 a.m. - 9 p.m.
Stepping stones, bricks, water supplies and more
1978
X
X
Mon. - Fri. 6:30 a.m. - 5 p.m. Sat. 6:30 a.m. - 4:30 p.m. Sun. 6:30 a.m. - 4 p.m.
Playground fiber, soil, irrigation supplies, trees and bedding plants
1980
X
X
X
These lists are provided as a free service by the Central Valley Business Journal for its readers. As such, inclusion is based on editorial consideration and is not guaranteed. If you would like your business to be included in a list, please write to: Research Department, Central Valley Business Journal, 4512 Feather River Drive, Ste. E, Stockton, CA 95219, fax your information to Research Dept. (209) 477-0211 or email research@cvbizjournal.com. Copyright Central Valley Business Journal. Researched by Danette Conley 02/2014
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Business Journal Insight & Analysis CENTRAL VALLEY
December 2013 graduates from the Come Back Kids Program celebrate their success at earning a diploma.
Helping all students succeed
The inmates wore flip flops and orange jumpsuits as I stood before them in the detention center on Hackett Road. My topic was civility, but what made the greatest impression on me was their response to a spontaneous question I asked. I wondered how many of the 20 some men in the room had earned a high school diploma. One. One sole inmate raised his hand. That moment underscored the need for our county office to launch a new initiative: Destination Graduation. The Tom Changnon goal of this four-year endeavor is simple: raise the graduation rates of students in this county. We sit at about 78 percent, matching the state but that is just not good enough. We must do better for the sake of the students themselves and for the community as a whole. Students without high school diplomas do not fare as well as those with that certificate in hand. Drop outs are more likely to earn less and get
overlooked for promotions, if employed; receive welfare because it is harder to find a job; have less healthy children; commit crimes; and consequently, serve time. On average, annual salaries are about 30 percent less for drop outs, and earning power only goes up with more education. The military won’t accept recruits who don’t have a diploma either, another option lost. The community benefits from a better educated population because new businesses pay attention to the characteristics of the local work force when deciding where to plant a new office or warehouse. Cities and counties thrive when employment opportunities abound and citizens have viable options. Please see GRADUATION Page 41
IN THIS SECTION • Taxes • Real Estate
• Management • Finance
March 2014
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GRADUATION Continued from Page 40
What will the county actually do to see its goal realized? This endeavor will require strong partnerships with agencies, businesses, citizens, and programs. Specifically, Destination Graduation will focus its activity on four pillars: Showcasing Best Practices, Mentoring, Summer Camps, and a Parent Involvement/Awareness Campaign. Stanislaus County Office of Education (SCOE) is intent on putting the spotlight on best practices in place locally and outside of the county to ensure that what is working gets shared. So far, we have invited the much-acclaimed superintendent from Sanger Unified School District, a place with Central Valley demographics, to share his success story – his graduation rate is at 95 percent. SCOE opened the doors on the Come Back Kids program, recapturing drop outs between the ages of 16-24. Having set a goal of reaching 25 students in the first year, program staff was overjoyed to have over 150 students enrolled with more than 30 graduates thus far. With the help of the Stanislaus Community Foundation, SCOE is looking at a 3rd Grade Reading campaign. Other communities have joined this national campaign to ensure that more 3rd graders are reading at grade level because there is a very high correlation between reading below grade level as a 10-year-old and dropping out later. SCOE recognizes that having a significant adult in a young person’s life can make a big difference and so mentoring is the second pillar. We have partnered with Sierra Vista to host an annual Mentor Summit and will continue to do so. We have created a recruitment video to provide a witness to the ben-
efits of mentoring youth for both the mentee and the mentor. The video also hopes to convince more businesses to allow their employees to mentor while “on the clock.” We are working to see the ranks of mentors grow so that more young people can be supported through the obstacles that might drive them to leave school. The Summer Camp idea focuses on providing an intensive, preventive experience for at-risk six graders leaving the relative security of their elementary site and a contained classroom. Statistics indicate that the 7th grade year is pivotal. Students traditionally enter a junior high school with many more students, all of them at a difficult time of life, and interact with many more teachers for a relatively short period of time. It is too easy to fall through the cracks. The Summer Camp hopes to provide a cadre of support that follows the students into junior high school to keep them focused on the target of 12th grade graduation. Lastly, SCOE’s plan includes a Parent Involvement/Awareness campaign. Attendance is just one issue but it is a huge component of student success. Chronic absenteeism at the primary level almost ensures that a student will not graduate with peers. Students have to be in class to get the education they need to succeed. We are just beginning this effort. Watch for our logo, support our efforts when you can, and encourage young people to stick it out and earn their diplomas. I don’t want to meet more Stanislaus County dropouts dressed in orange, sitting in detention centers, unable to raise their hands when asked if they have earned a diploma.
STEM competition open to high school students in 9th Congressional District Central Valley students will get a chance to show off what they’ve learned in the areas of science, technology, engineering and math during the STEM Academic Competition announced by Rep. Jerry McNerney. “STEM education is incredibly important because those fields are where the jobs will be in the future,” said McNerney. “We need to encourage our students who have a passion and enthusiasm for math and science.” Students who take part in the contest will develop a software application for mobile, tablet, or desktop platforms. They will create and upload a three-minute video explaining how the app works and what they learned by participating in the contest. Students should provide a link to
their video that they have uploaded to either YouTube or VIMEO. The winning app from the 9th District will be displayed in the U.S. Capitol and featured on McNerney’s website. The contest is open to all high school students who live in the 9th Congressional District, which includes Stockton, Lodi, Antioch and the surrounding areas. Those who want to enter may compete individually or in teams of up to four students. To enter, students should register at StudentAppChallenge.house.gov. The deadline for submissions is April 30. For more information, contact Colleen Isenberg in Rep. McNerney’s Antioch office at (925) 754-0716 or Chiakis Xiong in the Stockton office at (209) 476-8552.
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Defending your brand: Turning negatives into positives You’ve heard the old saying that new restaurants live and die by word of mouth. Negative word of mouth can be devastating to a new restaurant. Research has proven this old adage to be true, and not only in restaurants. Consumers weigh negative information more heavily than they do positive. A study by the White House Office of Consumer Affairs found that 90 percent of dissatisfied customers would not do business with that company again. Each of these unhappy customers is likely to share their negative experience with as many as nine other people. And now we have social media to spread negative comments at an even more devastating rate. Another recent study, which appeared in the Journal of Consumer Psychology, found that approximately 55 percent of repeat customers have “negative” relationships with the brands they are using; for example, customers tired of relentless phone calls for donations to their local symphony or a frequent flyer who feels “not so special.” If these customers had other good options, they would be switching brands immediately. With that in mind, here are some tips for managing negative perceptions about your organization, your
products or your services: Seek regular feedback through short surveys. Customers appreciate the fact that you go to the effort to get their opinion. Review the results of the survey, and call customers back if the feedback was negative. If you dropped the ball, try to make it right by offering a discount on their Linda Nowak next purchase. Dean, College of Business If negaCSU Stanislaus tive feedback about a particular aspect of your operation is consistent, then follow through with changes in your organization. Customers get very frustrated with websites that are difficult to navigate, phone answering systems that route them in multiple directions and customer service representatives who are not sincere. If you lose a customer, call them and ask what you could have done differently. Do not pressure them to come back, but show that you valued their
Business Watch
business and offer an incentive for them to return. Listen, listen, listen. Manage customer expectations, being careful not to over-promise and under-deliver. If it is going to take you two weeks to deliver a product, do not tell the customer it will only take one week to get the order. This can be devastating to any future long-term relationship. Be honest, even if it may cost you a sale. Respond to customers in a timely fashion. How quickly does your organization return phone calls and respond to emails? How long do customers have to wait to get an appointment to see you? Take good care of your employees. Happy employees have better attitudes, and their attitudes trickle over into better customer service and product quality. Monitor your employees’ interactions with customers. It is good business to let your employees know that you are randomly listening in on their phone calls with customers. Managers should ride along with their delivery team to listen in and provide feedback. It is truly amazing what eye contact and a smile can do to put a positive spin on a customer experience. Respect your customer’s time. Never be late for an appointment.
Leave that smartphone in your pocket. If you are checking your phone during an appointment, you are sending a clear message that you do not value the relationship and that something else is more important than your customer. It is considered disrespectful — even insulting. Keep an eye toward continuous improvement. Keep improving quality in product, service and delivery. Never take your foot off of the gas and coast. Another firm will see an opening and pass you by. Keep your customers informed about all of the good things you do. Which community services do you support? Did you go solar? Do you recycle? Do you provide tuition assistance for your employees? Keep positive messages in front of your potential and current customers. Make them feel proud that they are giving their business to a company that is doing the right thing for their employees and our society. If something negative happens in your organization, respond immediately. Take responsibility and explain how you will fix it. Research has shown that this is the best way to handle negative situations — especially incidents that could potentially reach the media.
Meetings: Great leadership tool or huge waste of time? The mere mention of the word “meeting” can elicit a wide variety of not-sopositive responses, but for leaders, they are a fact of daily life. Recently I read a statistic that seniorlevel managers spend at least 75 percent of their time in meetings. Ideally, meetings should be the best tool we have as leaders to create impact and accomplish goals. In reality, meetings sometimes turn out to be a poor attempt by managers to push agendas, or a free-for-all where emotionally charged or disinterested staff throw out a chaotic collection of ideas and complaints until time runs out with no consensus reached nor action taken. The agenda for a typical weekly 90-minute meeting might involve reports and a few important action items. The first 15 minutes are spent waiting for people to straggle in. Next, the reports that were sent out ahead of time are nonetheless read -- verbatim. After 50 minutes of the audio version of the reports and another 20 minutes of people getting off topic, only five minutes remain to discuss three strategic issues. Each issue is rushed through with either no decision made or a decision made without adequate discussion. Participants leave frustrated, management leaves with little input to help direct important decisions, and everyone feels it was a waste of time. Does this sound familiar? If so, you are not alone. It seems that most people don’t like meetings. According to Dave Barry, “If you had to identify, in one word, the reason why the human race has not
achieved, and never will achieve, its full potential, that word would be ‘meetings.’” Management guru Peter F. Drucker said, “Meetings are a symptom of bad organization. The fewer meetings the better.” Although I don’t agree with the first part of Drucker’s quote, the message is clear that he did not like meetings. So why do we keep having them? Meetings Peter Johnson can be a very Pacific - Eberhardt effective leaderSchool of Business ship tool. If done right, meetings can create open dialogue with people from different areas of the organization. Research has shown that in communication only 7 percent of the message is in the words we use, meaning that 93 percent is from body language, voice inflection, and other non-verbal cues. In face-to-face meetings, communication is streamlined and messages are more likely to be received accurately. Meetings allow people to cultivate relationships with each other. I encourage organizations to occasionally add a social component to the end of their meetings. It could be drinks and appetizers or a full meal, but it allows members the opportunity to bond and enjoy camaraderie. All of this builds trust, which is a
Clear Vision
good, because mistrust lies at the center of dysfunctional meetings. Here are some tips for using meetings as a leadership tool and guaranteeing their success: • Cultivate a team atmosphere. If there is little trust between the groups, you may wind up with an “us” versus “them” mentality. It might be a case of management versus staff, or board versus management, or department versus department, but any time people feel they must look out for their our own self-interest rather than the welfare of the organization, the results can be toxic. • Carefully choose meeting times. Find periods when people are energized and not thinking about other issues. Monday mornings, Friday afternoons or right after lunch are times when participants probably won’t be able to function at their best. • Communicate the agenda and discussion points clearly. Send out the agenda well in advance and encourage participants to be prepared to discuss the key issues. Ask them to bring data, research and other information to the table. • Combine reports with the agenda. Don’t let participants present their reports at the meeting. Instead provide a time for others to ask questions or get clarification. • Cancel meetings when necessary. If the agenda is light, or if there are no clear objectives or action items, don’t feel compelled to hold a meeting. • Capitalize on team discussion. Encourage everyone to participate. The Please see CLEAR VISION Page 43
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How to keep taxes from eating retirement savings Taxes can take a big bite out of your total investment returns, so it’s helpful to look for tax-advantaged strategies when building a portfolio. But keep in mind that investment decisions shouldn’t be driven solely by tax considerations. Other factors to consider include the potential risk, the expected rate of return, and the quality of the investment. Tax-deferred and tax-free investments Tax deferral is the process of delaying (but not necessarily eliminating) until a future year the payment of income taxes on income you earn in the current year. For example, the money you put into your traditional 401(k) retirement account isn’t taxed until you withdraw it, which might be 30 or 40 years down the road. Tax deferral can be beneficial because: • the money you would have spent on taxes remains invested • you may be in a lower tax bracket when you make withdrawals from your accounts (for example, when you’re retired), and • you can accumulate more dollars in your accounts due to compounding Keep in mind that tax deferred is not the same as tax-free. “Tax deferred” means that the payment of taxes is delayed, while “tax-free” means that no income taxes are due at all. Some savings vehicles, like Roth IRAs, can generate tax-free income. Taxes make a big difference Let’s assume two people have $5,000 to invest every year for a period of 30 years. One person invests in a tax-free account like a Roth 401(k) that earns 6 percent per year, and the other person invests in a taxable account that also earns 6 percent each year. Assuming a tax rate of 28 percent, in 30 years the tax-free account will be worth $395,291, while the taxable account will be worth $295,896, a difference of $99,395. Tax-advantaged savings vehicles for retirement One of the best ways to accumulate funds for retirement or any other investment objective is to use tax-advantaged (i.e., tax-deferred or tax-free)
CVBJ
savings vehicles when appropriate. • Traditional IRAs -- Anyone under age 70½ who earns income or is married to someone with earned income can contribute to an IRA. Depending upon your income and whether you’re covered by an employer-sponsored retirement plan, you may Michael Zeiter or may not be MassMutual Financial able to deduct Modesto, CA your contributions to a traditional IRA, but your contributions always grow tax deferred. However, you’ll owe income taxes when you make a withdrawal (and a 10 percent additional penalty tax if you’re under age 59½, unless an exception applies). In 2014, you can contribute up to $5,500 to an IRA, and individuals age 50 and older can contribute an additional $1,000. • Roth IRAs -- Roth IRAs are open only to individuals with incomes below certain limits. Your contributions are made with after-tax dollars, but they will grow tax-deferred and qualified distributions will be tax free when you withdraw them. The amount you can contribute is the same as for traditional IRAs. Total combined contributions to Roth and traditional IRAs for 2014 can’t exceed $5,500 for individuals under age 50. • SIMPLE IRAs and SIMPLE 401(k) s -- These plans are generally associated with small businesses. As with traditional IRAs, your contributions grow tax deferred, but you’ll owe income taxes when you make a withdrawal. For 2014, you can contribute up to $12,000 to one of these plans; individuals age 50 and older can contribute an additional $2,500. (SIMPLE 401(k) plans can also allow Roth contributions.) • Employer-sponsored plans (401(k)s, 403(b)s, 457 plans) -- Contributions to
Smart Planning
CLEAR VISION Continued from Page 42
greatest value of a meeting is in creating an environment for ideas to be shared. The greatest result of a meeting is reaching consensus and buy-in. If management is only looking for buy-in and not input, and if their only interest in a meeting is to tell people something, then send a memo! Concentrate on key strategic items. At least 75 percent of the meeting time should be spent on the vital topics. (Think forest rather than trees.) Conclude the meeting purposefully. Finish with a clear understanding of next steps and who is responsible. (Think SMART GOALS.) Meetings can be a great leadership
tool to achieving goals and creating impact in your organization, but they can also be the most expensive, frustrating, and morale-crushing activity in your business. The choice is up to you. Feel free to contact me with challenges you face in your own meetings. Until next time, make it a great day towards your best year ever! Peter Johnson is the Director of the Westgate Center for Leadership and Management Development and the Institute for Family Business in the Eberhardt School of Business at the University of the Pacific. He welcomes your feedback and can be reached at 209.946.3912 or peterjohnson@pacific.edu
these types of plans grow tax deferred, but you’ll owe income taxes when you make a withdrawal. For 2014, you can contribute up to $17,500 to one of these plans; individuals age 50 and older can contribute an additional $5,500. Employers can generally allow employees to make after-tax Roth contributions, in which case qualifying distributions will be tax free. • Annuities -- You pay money to an annuity issuer (an insurance company), and the issuer promises to pay principal and earnings back to you or your named beneficiary in the future. Annuities generally allow you to elect to receive an income stream for life (subject to the claims-paying ability of the issuer). There’s no limit to how much you can invest, and your contributions grow tax deferred. However, you’ll owe income taxes on the earnings when you start receiving distributions. Tax-advantaged savings vehicles for college For college, tax-advantaged savings vehicles include: • 529 plans --College savings plans and prepaid tuition plans let you set aside money for college that will grow tax deferred and be tax free at withdrawal at the federal level if the funds are used for qualified education expenses. These plans are open to anyone regardless of income level. Contribution limits are high--typically over $300,000-
-but vary by plan. • Coverdell education savings accounts --Coverdell accounts are open only to individuals with incomes below certain limits, but if you qualify, you can contribute up to $2,000 per year, per beneficiary. Your contributions will grow tax deferred and be tax free at withdrawal at the federal level if the funds are used for qualified education expenses. • Series EE bonds --The interest earned on Series EE savings bonds grows tax deferred. But if you meet income limits (and a few other requirements) at the time you redeem the bonds for college, the interest will be free from federal income tax too (it’s always exempt from state tax). Bottom line Though tax considerations shouldn’t be your only investing concern, by putting your money in tax-advantaged savings vehicles and investments when appropriate, you’ll keep more money in your own pocket and put less in Uncle Sam’s. Michael E. Zeiter CLU, ChFC, ChSNC is a registered financial representative of and offers securities, investment advisory and financial planning services through MML Investors Services, LLC, Member SIPC. Reach Michael Zeiter at Email mzeiter@ financialguide.com / Web www.zeiterfinancial.com / Office (209) 566-1366
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IRS doing more enforcement with fewer workers The IRS recently released its fiscal year 2013 enforcement and service results. Staffing of revenue officers (collection employees), revenue agents (auditors) and special agents (criminal investigators) decreased in 2013 from 2012 levels of 20,868 to 19,531 That is the lowest level since fiscal year 2004 when staffing was at 19,746. Interestingly, the enforcement revenue collected from increased over fiscal year 2012: • Collections: $31.4 billion (up from $30.44 billion in FY 2012) • Examination:$9.83 billion (down from $10.20 billion in FY 2012) • Appeals: $6.83 billion (up from $4.2 billion in FY 2012) Fiscal year 2013 results are down from a high of $57.6 billion in fiscal year 2010. Enforcement revenue collected in a fiscal year includes tax, interest and penalties from multiple years. Here is how staffing in key enforcement areas within the IRS was down in FY 2013 compared to FY 2012: • Revenue officers: 4,748 in 2013 from 5,186 in fiscal year 2012 • Revenue agents: 12,234 in 2013 from 13,021 in fiscal year 2012. • Special agents: 2,549 in 2013 from 2,661 in fiscal year 2012 In fiscal year 2013, the IRS conducted a little more than 1.4 million field and correspondence examination of individuals. That was down from a high of nearly 1.6 million such examinations in 2010. Total tax returns filed for the prior calendar year were almost 146 million, so that produces an audit rate of .96 percent, down from a high of 1.11 percent in fiscal years 2010 and 2011. Incomes under $200,000 represented about 1.2 million of those examinations. Incomes in excess of $200,000 represented 171,959 examinations. Incomes in excess of $1 million represented 39,421 of the examinations. With respect to small businesses, in fiscal year 2013, the IRS examined 18,670 Subchapter S corporation returns when there were about 4.5 million Subchapter S corporation returns filed in the previous calendar year. This results in an audit rate of .42
percent which is a reduction from .48 percent for fiscal year 2012. The IRS examined 14,870 partnership income tax returns when there were about 3.6 million such tax returns filed in the prior calendar year. This resulted in an audit rate of .42 percent, which is a reduction from .47 percent in fiscal year 2012. For fiscal year 2013, the Criminal Investigation Division recommended Jason Harrel criminal prosecuCalone & Harrel tion in 2,500 tax Law Group and tax related cases, 976 nontax (illegal) cases, and 888 narcotics cases. The overall conviction rate was 93.1 percent with the average sentence in tax and tax related cases being 31 months. (Note: if you are ever unfortunate enough to be visited by a special agent who reads you your rights to remain silent before interviewing you, exercise your right to remain silent and immediately contact an attorney.) Looking at the above figures, if you own a small business and are reporting the income from that business as a sole proprietorship on a Schedule C to your Form 1040 rather than through a partnership or S corporation, your chances of being audited are substantially greater. In addition to reducing your audit exposure, by using an S corporation or partnership, you could also reduce your overall taxes. You should consult with your tax attorney or certified public accountant to discuss whether an S corporation election or partnership formation for your business would be worthwhile. (Note: a husband and wife can qualify to file a partnership tax return for a jointly owned business.) With the tax filing deadlines approaching, this is a good time to carefully review your records and consult closely with your return preparer or tax attorney. Substantiation through
Taxing Matters
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business records is the key to prevailing in an audit. Remember, it is not your return preparer’s responsibility to audit your return. You are required to provide all information to your return preparer and bring any suspect issue to your return preparer’s attention. Key issues to watch closely on your 2013 income tax returns include passive losses versus active losses; hobby losses; car/truck mileage; home office deductions; like-kind exchanges; charitable deductions; and medical expense deductions. Finally, as we start tax year 2014 remember the IRS is actively pursuing unreported offshore financial accounts and income. The Offshore Voluntary Disclosure Program (OVDP) is still in effect and the IRS is signing up more and more countries to sharing of information agreements. You only qualify for the OVDP if the IRS is not already aware of you. If you have an unreported foreign financial account or unreported income, it may not be too late for you to enter into the OVDP, but close consultation with a tax attorney is highly recommended as criminal prosecution issues could be present. - Jason W. Harrel is a Partner at Calone & Harrel Law Group, LLP who concentrates his practice in all manners of Taxation, Real Estate Transactions, Corporate, Partnership and Limited Liability Company law matters. He is a certified specialist in Taxation. Mr. Harrel may be reached at 209-9524545 or jwh@caloneandharrel.com
March 2014
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SOCIAL MAVERICK Continued from Page 34
If you have to explain something more than a couple of times per week to customers, why not make it a video? I have many hours worth of content that I give to my clients to help them better understand their websites. When they want to make a change to the website but forget how, my videos are there to remind them. The search engines, namely Google, seem to be ranking video really well. With such a large audience on YouTube searching for things, all you need to do is test the water by creating a few videos and sharing them with your current customers. Does my business really need social media? I think it does. Social media is the new word of mouth. We don’t ask our neighbor across the street for a referral anymore, we go to social media and ask a group of “neighbors.” Having a presence on social media takes time and effort, but it pays off. Spend some time on the above mentioned social networks exploring what others are doing. There are hundreds of social media case studies online you can read to help you come up with ideas for your own campaign. The important thing is that you start now and be mindful of keeping them updated. Nobody expects you have amazing posts going out daily. People want to be informed and stay on top of what’s happening in the industry you serve. You are the professional in their eyes, so help them stay current and inspired.
TSM Insurance to offer range of services at new office MODESTO – TSM Insurance is moving into a new, larger office on Coffee Road in order to provide onestop insurance shopping for clients. “The goal with this move is to provide the best possible service,” said individual and small business sales agent Nichole Parker. “We will include other lines of businesses. It will be easy, convenient and very accessible.” Clients will now be able to buy home, auto and life insurance at the same place they get medical and dental policies, including Medicare. “Sometimes there’s been some driving back and forth (between offices),” Parker said. The new office replaces TSM’s previous Coffee Road location, so it will continue to have four offices. In addition to the new Coffee Road location, there is another Modesto office on Oakdale Road and offices in Manteca and Roseville. The company has 15 brokers. Five of them will be at the new location. The new office is in the building that used to house the Bank of Agriculture and Commerce. It includes a conference room where TSM can host events to educate the public
about the Affordable Care Act. The company is seeing an influx of new business from people who want to sign up for a plan under the Affordable Care Act. Parker said there is an advantage to using an insurance agent rather than trying to go it alone online. “It’s a business opportunity, but it’s also an opportunity to provide guidance,” Parker said. “Those (Covered California representatives) are not people that are licensed. They don’t understand providers in our area. Everybody in our office is licensed down to the receptionist.” Parker said clients don’t have to pay an extra fee to use an agent. TSM is paid by insurance companies. The new office is located at 2605 Coffee Rd. in Modesto. Workers began moving in Feb. 21. The business plans a grand opening in midMarch.
March 2014
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YOU DON’T PROFIT FROM SICK EMPLOYEES. WHY DOES YOUR HEALTH PROVIDER? In an industry built on fee-for-service care, Kaiser Permanente succeeds because we’re built around prevention and the highest quality care. One Harvard Business Review article described our care as “untainted by any economic conflict of interest.” * And in an industry report by The Economist, Kaiser Permanente’s care was described as promoting economy and quality care with “no financial motive to order unnecessary procedures.”†
Discover a better way.
* Lew McCreary, “Kaiser Permanente’s Innovation on the Front Lines,” Harvard Business Review, September 2010. †
”Another American Way,” The Economist, May 1, 2010.
kp.org/choosebetter
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Bigger Buses San Joaquin County RTD has purchased six articulated buses that will provide service on Metro Express Route 40, which operates along Pacific Avenue between Hammer Lane and downtown Stockton. Ridership along that route has increased from 20 passengers an hour a few years ago to 70 passengers an hour now. The buses are articulated, which means they bend in the middle to accommodate their length during turns. ELIZABETH STEVENS/CVBJ
SJ COUNTY
BRIEFS Morelli named new president for St. Mary’s Peter Morelli will succeed Father John Fallon as president for St. Mary’s High School in Stockton. “I wish to publicly commend Peter for his long-standing commitment to St. Mary’s and for his student-oriented leadership as principal,” Bishop Stephen E. Blaire said in a statement. Morelli is a St. Mary’s graduate Morelli and since 1989 has been the school’s principal. His academic background includes St. Mary’s College, Moraga (BA with majors in Social Studies and US Government, Minors in English and Italian), University of the Pacific, Stockton (Teacher Credential), and California State University, Stanislaus (Tier 1 Administrative Credential). Morelli has also been an official in the NFL since 1997. Father John Fallon will retire June 14 after serving at St. Mary’s for 43 years.
Ives to deliver last State of the City address TRACY – The city of Tracy, in partnership with the Tracy Chamber of Commerce, will present the annual State of the City Address on Thursday, March 27. It will be the sixth and last State of the City for Mayor Brent Ives. According to the Chamber, the program will highlight Tracy’s growth Ives over the past 20 years. Ives said he will share lessons he has learned from the mayor’s perspective and how community vision and proper planning has positioned the
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FEET Length of new articulated buses
55
Seats on the new buses
BY THE NUMBERS $
112
Total number of passengers the new buses will accomodate (including those who stand)
city for the future. The State of the City address will be from 9 a.m. to 11:30 a.m., March 27 at the Grand Theatre Center for the Arts located at 715 Central Ave. in downtown Tracy. Tickets are $20. For more information and tickets, call the Tracy Chamber at 209-835-2131.
Tomato picks local to head western operations MANTECA – Lipman, the largest field tomato grower in North America, has hired Glenn Davis as director of western operations, the company announced. “Glenn offers the ideal combination of fresh produce expertise and executive leadership skill,” said CEO Kent Shoemaker. “We’re confident he will lead his region with forward-thinking strategy, helping to expand our western division presence in all aspects of retail and food service.” Davis has more than 30 years experience in the fresh produce industry. He most recently served as a regional vice president at Freshpoint. Davis will oversee Lipman’s western region’s business development and expansion into retail and foodservice supply chains. A resident of Ripon, Davis will be based at Lipman’s office in Manteca.
1
MILLION Cost of each new bus
2
Extra hours of behind-the-wheel training drivers will need
4 to 5
MILES PER GALLON Mileage the new buses get SOURCE: San Joaquin County RTD
months,” said Lithia President and CEO Bryan DeBoer. “We believe the proximity to our recently purchased Nissan, Kia and Toyota stores builds scale in an attractive market for Lithia. This is the second Volkswagen store we have acquired in the last year as we continue our growth with this desirable brand.” The company said it believed the acquisition would add $20 million in estimated annual revenues. Lithia Motors, Inc. is the ninth largest automotive retailer in the United States and sells 28 brands of new vehicles and all brands of used vehicles at 96 stores in 12 states, the company said.
• Saturday, April 26, Anchor Fund Weekend • Sunday, April 27, Anchor Fund Weekend • Wednesday, May 28, SCAN Silver Slugger Meet and Greet (members only) • Sunday, July 13, Subway Kids’ Club Meet and Greet (members only) • Wednesday, August 27, Fan Appreciation Day Opening day is April 10 vs. the Visalia Rawhide. Season tickets, group tickets, and mini-plans are on sale. For more information about the 2014 season, call the Ports front office at (209) 644-1900.
Medi-Cal info now available from Emergency Food Bank
Hire Me First luncheon highlights interns
STOCKTON – People who may be eligible for Expanded Medi-Cal can now get information through the Emergency Food Bank and Family Services on Scotts Avenue. The organization is now conducting outreach referral services for Expanded Medii-Cal. That is the extension of Medi-Cal that now allows those who did not qualify in the past but who may now be eligible. For more information and to make an appointment to be linked with an enrollment site call and ask for Pete Mata or Maria Venegas at (209) 464-7369.
TRACY – Local businesses and business partners are invited to the Hire Me First Program’s Employer Kick-Off Luncheon. The free luncheon will introduce local businesses, community leaders and educators to the results of the Hire Me First Program through student and business testimonials from Tracy to encourage their support. The Hire Me First Internship Program is designed to provide 11th and 12th grade students with the opportunity to acquire and demonstrate key competencies required by businesses and industries. The program provides job preparedness workshops, job shadowing, mock interviews and internship opportunities to student. It also serves local businesses with potential future employees that have learned hands-on job experience and professional skills. The luncheon is from 11:30 a.m. to 1 p.m., March 6 at Tracy Community Center, 950 East St. To learn more, contact Hire Me First Program Coordinator, Alyssa Mupo at (209) 835-2131.
Hammer Lane Volkswagen acquired by Lithia Motors
Ports announce fan days
STOCKTON – Lithia Motors, Inc. has acquired Hammer Lane Volkswagen in Stockton, the company announced Monday. The store will be renamed Volkswagen of Stockton. “This marks the fourth store we’ve acquired in the Stockton area in the last four
STOCKTON – Stockton Ports fans will have several opportunities to interact with players throughout the 2014 season, the team announced. The club released its schedule of player interaction days Wednesday. They include: • Sunday, April 13, Fan Photo Day
March 2014
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Modesto gets extension for DestinationLAX campaign
STANISLAUS COUNTY
BRIEFS Carnegie Arts Center director resigns TURLOCK – Executive Director and Curator Rebecca Phillips Abbott of the Carnegie Arts Center is stepping down and Assistant Director Lisa McDermott will assume the duties of director on an interim basis beginning Feb. 22, the center announced. “Rebecca Phillips Abbott has established the Carnegie Arts Center as a destination for residents from the Central Valley region and beyond,” CAC Foundation Board President Jeani Ferrari said. “Her efforts have positioned us well to continue offering exciting opportunities for engagement with the arts. Rebecca has brought a level of professionalism that was recognized and appreciated by thousands of gallery visitors; she has an amazing talent.” Abbott has been executive director and curator since shortly before the expanded Carnegie opened as a regional arts center in September 2011. The newly designed Center includes a state-of-the-art gallery space, and the center credits Abbott with curating shows that not only focused on the Central Valley but also honored artists from the region. Exhibits curated by Phillips Abbott include Ansel Adams CALIFORNIA, Yvonne Porcella: A Retrospective and Picasso: 25 Years of Edition Ceramics. The current exhibits are Imagining the Real, a juried exhibit of works inspired by the Pablo Picasso quote “all that you can imagine is real” and Roman Loranc: A Retrospective. Loranc is the Carnegie’s Distinguished Artist for 2014.
Companies wanted for college job fair in Modesto MODESTO – Modesto area employers who have job openings can recruit at the Modesto Junior College Career Development and Transfer Center’s
MODESTO -- Modesto has signed about a quarter of the pledges it needs to get an airline to commit to service to Los Angeles, so the airline has agreed to extend the deadline a month. The new deadline is March 31, according to Sixel Marketing. The campaign began in January to get $1 million in pledges from businesses and individuals who would use air service between Modesto and L.A. with the unnamed airline. The first deadline was Feb. 28, but by mid-February the campaign had only signed $250,000 in pledges. The proposed service would offer two daily flights in each direction between Modesto and Los Angeles on a “business schedule” operated by a “reputable regional airline,” the proposal says. The planes would seat 50 passengers. City leaders believe service to Los Angeles is necessary for business people who typically have to go to San Francisco and then on to L.A. San Francisco flights are often delayed because of weather. Pledges are commitments but they are not cash and are not binding. Any individual, business or organization that would like to pledge can visit www.destinationalax. Spring Job Fair on March 19. The bi-annual Job Fair provides employers with an opportunity to recruit and hire MJC students. The event is free of charge to equal opportunity employers with current openings for full-time and/or parttime, hourly or salary based employment opportunities. No jobs based on commission are permitted. The job fair is from from 9 a.m. to 1 p.m., March 19, in the East Campus Student Center, 435 College Avenue in Modesto. Interested employers can obtain a registration form by contacting the MJC Career Development and Transfer Center at (209) 575-6698 or emailing Claudia Ramirez at ramirezc@mjc.edu.
Bank hires new financial adviser for investments OAKDALE – Oak Valley Community Bank has hired a new investments representative to work in its Turlock branch. Renee Lovitt is a financial adviser who will specialize in the Oak Valley Investments product line, assisting clients in setting up and maintaining mutual funds, insurance,stocks, bonds, and fixed and variable annuities. Lovitt has 23 years of banking experience, 13 of those years as a financial consultant. She is currently completing an accounting cegree at Western Governors University. “Renee has an extensive amount of expertise and knowledge in the investment field,” said Vice President and Investment Representative Alan Wilbur. “She will be a great asset to the Turlock community and surrounding area, providing financial investment advice and building new and existing
customer relationships.” Renee resides is Waterford with her husband Richard and daughter Nichole.
Chamber honors Nowak as Higher Educator of the Year TURLOCK – Linda Nowak, dean of the CSU Stanislaus College of Business Administration and Business Journal columnist, was named Higher Educator of the Year at the Turlock Chamber of Commerce’s “Best of Turlock” awards event in January. Since taking over as dean in March 2010, Nowak has helped lead the College of Business Administration to a number of significant achievements during a time of dwindling state funding, the university said. Among the Nowak most important was the renewal in 2013 of a prestigious accreditation through the Association to Advance Collegiate Schools of Business (AACSB) International. Nowak has also spearheaded the creation of CSU Stanislaus’ Online Master of Business Administration (MBA) degree program, which is the state’s first fully online MBA program to be accredited by AACSB. She also improvements to the Executive MBA program.
Gallo to distribute Italy’s Allegrini wines in U.S. MODESTO – E. & J. Gallo Winery has won the exclusive rights to to distribute Italy’s Allegrini wines in the United States beginning April 1, Gallo announced in February. “We have a real opportunity to more successfully compete in the luxury wine segment. Allegrini is a great addition to our portfolio and we’re thrilled to
MARK RICHEY/CVBJ
have the chance to represent them,” said Roger Nabedian, senior vice president of Gallo’s Premium Wine Division. He added, “We are excited to share these award-winning wines with American consumers.” Allegrini is one of Italy’s leading wineries and has received numerous national and international awards and accolades, Gallo said. Its portfolio includes the Allegrini and Poggio al Tesoro brands. “As a family-owned winery, I think that we find a synergy working with Gallo, the largest family-owned winery in the world,” said Allegrini marketing director Marilisa Allegrini. “We each compliment the other very well: Allegrini brings over 400 years of winemaking experience in Italy and Gallo has an established reputation for excellence in the U.S. wine market. We feel privileged to join the family and its network of distributors, and will continue to focus on the quality of our wines and the quality of service to our clientele.” Gallo also imports and markets wine from Argentina, Australia, Italy, New Zealand and Spain.
Luncheon to raise money for agriculture scholarships OAKDALE – The annual Ag Scholarship Luncheon is March 20 at the Gene Bianchi Community Center at 110 South Second Ave. in Oakdale. There will be an agriculture-related speaker and topic as well as a silent auction. Proceeds go toward the Oakdale Ag Scholarship fund. Those interested can also visit agricultural-related vendor booths and get product information and samples beginning at 11 a.m. Businesses interested in hosting a booth or anyone wanting more information can call (209) 847-2244.
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Jeremiah Posey Ranch 2515 West Sargent Lodi, CA 95242 Nellie Fore Hamilton Atrumkithara Unique Instruments 5222 Cosumnes Drive Apt. 230 Stockton, CA 95219 Brent A Furstner J & H Transload Services 4459 Marfargoa Drive Stockton, CA 95215 Jason Winchell
SJ COUNTY
LEGALS Fictitious Business Names Brookside Optometric Group 3133 W. March Ln., Ste.,2020 Stockton, CA 95219 Craig K. Hisaka OD John K. Fujii OD Josephine K. Vo-Laurel, OD Robert W. Melrose OD Rosemary R. Melrose OD Kurt R. Skinner, OD Linda W.T. Hsu OD John P. Demshar OD Richard D. Vanover OD Timothy Koehler Heating and Air Conditioning 1038 Thurman St. Lodi, CA 95240 Timothy John Koehler Mia’s All-Around Cleaning Service 3456 W. Mendocino Ave. Stockton, CA 95204 Mia Lawson Lodi Laser Engraving 2715 W. Kettleman Ln. 203-128 Lodi, CA 95242 Nicole Allen Good Bond 9301 West Highway 12 Lodi, CA 95242 Herman Ehlers & Sons, Inc. Mel Liquors Mayfair Liquors 6111 West Lane unit 101 Stockton, CA 95210 Kuruvilla Joseph mattathil
Roof Doctor 1625 Amanda Ct. Stockton, CA 95209 Ron Williams Kitchen & Bath Lab Inc. 2151 Moffat Boulevard Manteca, CA 95337 Eddie Gonzales Liquidation Outlet #-2 528, E. Weber Street Stockton, CA 95202 Santorh Singh Kodial Davinder Kaurkokial
Donna Rae King Justin P. King V & H Fresh LLC 652 Homestead Ave. Lathrop, CA 95330 V & H Fresh, LLC Mc Guire’s On Elm Street Irish Pub 24 W. Elm Street Lodi, CA 95240 Gary L. Arnold Total Costomer Connect 1743 Grand Canal Blvd. 14 & 15 Stockton, CA 95207 Car Dealer Promoters Inc. Big Valley Electric 19057 E. Gawne Road Stockton, CA 95215 James A. Coyle Jr. Valley Seamless Rain Gutters 21329 N. Sycamore St. Acampo, CA 95220 William Jabob Mc Donnell Alexander Fireproofing 1165 Beecher Rd. Stockton, CA 95215 Keith L. Alexander Valla M. Alexander
Webertown Professional Center 83 W. March Lane Ste. 10 Stockton, CA 952075730 83 W. March Lane Investors LLC
My Tax Angel 672 W. 11th St., 214 Tracy, CA 95376 Jennifer Culver
J.S. Carrier 1988 Abby Place Manteca, CA 95336 Jagjit Singh
My Garden Café 1201 W. Main St., 19 Ripen, CA 95366 My Garden Café LLC
Fusion Grill 1906 Vista Del Lago Valley Springs, CA 95252 Diane Truong
Acacia Elementary Charter Acacia Middle Charter 703 E. Swain Rd. Stockton, CA 95207 Tri-Valley Learning Corp.
Ellstrom Properties 932 Avalon Dr. Stockton, CA 95215 Joe A. Meath Jr. Cocobon Vineyards 4596 S. Tracy Blvd. Tracy, CA 95377 The Wine Group LLC Dye Electric 2722 Manzanita Ave. Stockton, CA 95207 Kenneth Charles Dye Nation Market 202 S. Sinclair Ave. Stockton, CA 95215 Tahya Alhadrami K & D Associates 660 W. Mariposa Ave. Stockton, CA 95204 Gordon King
Shining Stars Enrichment Program 703 E. Swain Rd. Stockton, CA 95207 Livermore Charter Zone Corp. Autumn River Trading Co. 2410 S. Cabe RD. Tracy, CA 95304 Carissa Peterson FH asset Management 1701 W. March Lane, Ste. D Stockton, CA 95207 Fiorsheim Homes LLC Town & Country Heating and Cooling
206 E. Atlee St. Stockton, CA 95204 Benjamin Fred Pinasco Run With It 42 N. Sutter St. Ste. 306 Stockton CA 95202 Earthquake, Inc. Lockeford Springs Golf Course 16360 N. Hwy 88 Lodi, CA 95240 Waterloo Golf Club Inc. Taboo Bar 1864 E. Mariposa Rd. Stockton, CA 95205 Maricela Robles Lucia Cardenas The M lounge 216 W. Fauna Ave. Mountain House, CA 95391 Michael S. Williams Jr. Janice Williams Bamboo Basil 1301 W. Lockeford St., Ste. D Lodi, CA 95242 Thanh Q Tran SSAW Tree and Gardening Services 560 W. Whittier Ave. Tracy, CA 95376 Jaime Chavez Valencia Performance HVAC 1325 El Pinal Dr. Unit 5-G Stockton, CA 95205 Ronald Roy Griffen Torus Consulting Group 464 Cape Breton Ln. Tracy, CA 95377-6651 Fairin Marie Perez Blackstone Security Services 95 West 11th St., 205 Tracy, CA 95376 Robert Guy Cathey Jacy Christoper Krogh Central Valley Auto & RV Center 1238 E. Lockeford St., Lodi, CA 95240 Shirley Charlotte John Lodi Health Physicians Plaza Surgical Care 999 S. Fairmont Ave. Ste., 100 Lodi, CA 95240 Lodi memorial Hospital Association, Inc. The Lone Ranger and Me 2938 West Swain Rd Stockton, CA 95207 Zarha Velasquez Andres Valasquez
March 2014
Aces Of Vape 223 W. Yosemite Ave., Manteca, CA 95366 Renee Roberts Robert Trimm lll Ryan R. Roberts Wyatt Billing and Collections Service 801 E. Atherton Dr., 167 Manteca, CA 95337 Demetria Wyatt Day Denture Laboratory 523 W. Lodi Ave. Lodi, CA 95240 Sunny X. Moua San Joaquin Family Law 10 N. California St., Stockton, CA 95202 Jacob L. Benguerel Mom’s Thai House 438 N. Main St., Manteca, CA 95336 N. Main St. Thai house LLC Stockton Oral Surgery and Implantology 6529 Inglewood Ave. Ste., A-1 Stockton, CA 92507 M. Elder, D.D.S. A Professional Corp Discovery Shutters & Shadings 10138 Lower Sacramento Rd. Stockton, CA 95210 John Charles Irvine Kathleen Mae Irvine Lush Couture Cakes 6426 Harrisburg Pl. Stockton, CA 95207 Jeanaya Thomas Dik Tracy Enterprises 65 W. 10th St. Tracy, CA 95376 Mila S. Padilla Charter Services Incorporated 1036 S. Center Ct. Ste. D-1 Stockton, CA 95206 Charter Service Incorporated Mad Bunker 27010 South Airport Way Manteca, CA 95337 David Miller Lodi Holistic Health 842 W. Lodi Ave. Lodi, CA 95240 Beradette Andersen We Paint 2049 Kimball hill Ct. Stockton, CA 95210
Jason Gonzale Regan Business Center 68 E. 11th St. Tracy, CA 95376 BG’s Plumbing 9951 Riverview Ct. Stockton, CA 95209 Robert Guererro Brookside Dental Care, Dental Office of A. Pritsky, DMD 3031 W. March Ln., Ste., 318E Stockton, CA 95219 Alexander Pritsky, DMD, Inc. Rapid Ready Tax and Bookkeeping Service 17 E. Sonora St. Stockton, CA 95203 Catarina Rodriguez Blossom Vineyards 26580 N. Blossom Rd. Thornton, CA 95686 Frank Olagaray CDM Consulting 3790 W. Benjamin Holt Dr., 17 Stockton, CA 95219 All Inspections P. LLC Silveria’s Flowers & Gifts 995 Lincoln Ctr Stockton, CA 95207 J’s Nest Floral Image San Francisco 3031 W. March Ln., Ste. 230 Stockton, CA 95219 LNCJ. LLC Robertson + Duke Alexander Wines 9 West Locust St. Lodi, CA 95240 Att Wines, Inc. Law Offices of guy Allen Medford 306 E. Main St., Ste. 304 Stockton, CA 95202 Guy Allen Medford Tila Specialties 1845 Burgundy Dr. Lodi, Ca 95242 Michael Collins La Merika 12001 S. Highway 99 Manteca, CA 95336 Delicato Vineyards Recovery Physical Therapy 3215 N. California St., #4 Stockton, CA 95204 May Mardini
March 2014
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Ted D. Peralla West Coast Distributors, Inc. 1155 Gertrude Ave. Stockton, CA 95215 Purity Wholesale Grocers, Inc. River Dog Cellars 5573 West Woodbridge Rd. Lodi, CA 95242 Baywood Cellars, Inc.
SJ COUNTY
LEGALS Fictitious Business Names Molly’s Salon 1239 E. Hammer Ln., Stockton, CA 95210 Jeffrey Bun Tsingtao Restaurant 2339 W. Hammer Ln., 11 Stockton, CA 95209 Fukuo Chiao Colonial Rose Chapel & Cremation 520 N. Sutter St. Stockton, CA 95202 Park View Mausoleum & Crematory Maxin Real Estate 5435 Stanley Rd. Stockton, CA 95215 James Paul Muthart Mc henry’s Bar & Restaurant 3121 W. Benjamin holt Dr. Stockton, CA 95219 Kalbir Dhillon Vance Counseling Services 1545 St. Marks Plaza Ste., 5 Stockton, CA 95207 Carole M. Vance Trustee Chiropractic Align & Spa 4555 N. Pershing Ave. Ste. 18A Stockton, CA 95209 Dale Nygyen Rite Sportsaid General Brands Company 2215 Beyee Ln. Stockton, CA 95209
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2314 W. Kettleman Ln. # 102 Lodi, CA 95242 Omy Brands, Inc. Lotus Trans Services 11293 S. Manthey Rd. Lathrop, CA 95330 Gurdip K. Kelly Wine Social 7 N. School St. Lodi, CA 95424 Sorrelle Winery, LLC
Smoker Joe 809 Cobblestone Ct. Ripon, CA 95366 Joe Richard Rebiero
Simply Cargistics 1765 Lever Blvd., 455 Stockton, CA 95209 Bolton Demetrius
A touch of Tuscany Tours 5707 Doncaster Way Stockton, CA 95207 Maria D’Arrigo
Cooks Furniture 133 W. Grantline Rd. Tracy, CA 95376 Joe Cook
ELS Home Lending 10006 Capetown, Ln. Stockton, CA 95219 E Silva & C Silva Inc.
Smith, Gatscnet, & Kobrin Financial Group 4750 Quail Lakes Dr. Ste. B Stockton, CA 95207 Charles W. Smith
A Yellow Cab Company 3236 Teanette Ct. Tracy, CA 95376 Sebastian Naeem Akhtar Gill
Flight 316 2704 Buttonwillow Ave. Stockton, CA 95207 Angel Gatti
Harcourts Grand 2222 Grand Canal Blvd. Ste. 8 Stockton, CA 95207 Platt, Inc.
Tracy New image Landscape 137 W. 12th Street Tracy, CA 95376 Gloria Castro De Llama
All Season Lawn Landscaping 31062 State highway 120 Escalon, CA 95320 Nicholas Henry Sauerwein Jr.
Delta Typing Service 3232 N. El Dorado St. Stockton, CA 95204 Barbara S. Jantzen
Heinbockel In 11714 Finck Rd. Tracy, CA 95304 Arief Abado Elhady William Tell Cider, Crossfire Cider, Dragonfire Cider, Apollonia Cider 220 S. Cluff Ave. Lodi, CA 95240 Beverage Brothers, Inc. U-Save Market 443 S. California St. Stockton, CA 95203 John Nasser Edward Jones 12555 Manchester Rd. Lodi, CA 95240 EDJ Holding Co. Inc. Sky Wok 612 W. Lodi Ave. Lodi, CA 95240 Qing Sung Chen Oh My Yogurt
Fredriks Nursery 233223 S. Austin Rd. Ripon, CA 95366 Fredriks Nursery, Inc. Complete Installation 7312 Excalibur Cir. Stockton, CA 95210 Jeremy Demend Butler Bamboo Records Bamboo Entertainment 2860 Pixie Dr. Stockton, CA 95203 Samol M. Un Rangdi Punjabi Duniya 3935 Helen Pessy Rd. Ceres, CA 95307 Nasindes Dhaliwal Two O Nine Motors 438 North Wilson Way Stockton, CA 95205 S.S Auto Sales, Inc. A & A Electric 25909 N. Toste Ln. Acampo, CA 95220
Agans + Agans Inc. Two Rivers RV Park 31021 Two Rivers Rd. Manteca, CA 95337 George Turkmany La Casa Blanca Restaurant 216 W. Yosemite Ave. Manteca, CA 95336 Abel Frank Gomez Glenn’s General Engineering 25999 N. Mackville Rd. Clements, CA 95227 Christopher P. Thorns SoHo Networks 1766 Fleaban Ln. Manteca, CA 95337 Joe M. Savinana Hyphy Smokers Club 2491 E Freemont Street Stockton, CA 95205 Khan Shaki Helping Guardians 476-484 Helen Ave Tracy, CA 95376 Corpus Roda Red Moon Logistics 37053 Cherry St #212 E NEWARK, CA 94560 Asyan Kiomars Halimi Yaqub Lara Rental Services 527 S Pilgrim St Stockton, CA 95206 Lara Maria Feather River Real Estate Co. 4512 Feather River Drive Ste., E Stockton, CA 95219 Cecchini Frank Feather River Realty Inc. Express Pizza & Grill 2109 E Fremont St. Stockton, CA 95205 Ahmed Mamrez Fry Daddy’s Cuisine 1854 Bayberry Ln. Tracy, CA 95376 White Larry Cellmex 1900 S El Dorado St Stockton, CA 95206 Anaya Brenda Y Monrroy Edgar Yair Gutierrez Lucille’s Rare Diamonds 95 West 11th St Tracy, CA 95376 Nowakowski Lucille Red Truck Winery 12001 S Highway 99
Manteca, CA 95336 Delicato Vineyards Rich Plate Restaurant 13410 E Hwy 88 Lockford, CA 95237 Kalaras Evangelia Randolph & Klein Financial Solutions 1625 W March Lane Suite 101 Stockton, CA 95207 Goodheart & Assoc Inc Excelente Auto Appraisal 1720 E Anderson St. Stockton,CA 95205 Ramirez Raul Sierra Mat & Rubber Co. 21386 S Murphy Rd Ripon, CA 95366 Jessop Holding Co LLC Cottages Elizabeth Inc 4386 E Armstrong Rd Lodi, CA 95240 Elizabeth Cottages Inc Hands of Healing 645 West Harding Way Ste. 7 Stockton, CA Debby Ann Bird Adeel Express 8913 Mt. Eddy Ct. Stockton, CA 95212 Adeel Ahmed Khan Native American Scholarship Fund 7068 Tristan Circle Stockton, CA 95210 Christina Mc Brian The Violin Connection 6507 Pacific Avenue #184 Stockton, Ca 95207 Pajel Jeremil Bstockton Central Valley Auto & Rv Center 1235 E Lockeford St Lodi Ca 95240 John Shirley Tciv Consulting Inc. 7177 Schooner Ct Stockton, Ca 95219 Manson Regina Tracy Smog Center 10 W Grantline Rd Tracy, Ca 95376 Mibelo Inc In-Shape: Lodi 1320 W Lockford St. Lodi, CA 95240 In Shape Health Clubs LLC
La Terrazza Trattoria 296 Lincoln Ctr. Stockton, CA 95207 R & B Restaurants Inc. Medrano Carmela 2054 W Harding Way Stockton, CA 95203 Mosso Melesio Glory To Glory 213 W 11th Street Tracy, CA 95376 Mountains Hope Community Worship Cir. EGB FARMS INC 956 BUSMAN DR Ripon, CA 95366 EGB FARMS INC K2 Home Services Construction 2524 Redbridge Rd. Tracy, CA 95377 Specialized Restoration Service Inc. Barnwood Arms 120 E Main St. Ripon, CA 95366 Mangelos Sporting Good Inc. Epicurean Dust 256 Virginia Ave. Ripon, CA 95366 Mangelos John Whiskey Barrel Tavern 151 W Alder Street Stockton, CA 95204 W 151 LLC Sansar Truck Line 2633 New Brighton Ln. Stockton, CA 95212 Sandhu Ranjeet Singh Delta Senior Referral Services 1334 Royal Oaks Drive Stockton, CA 9520 Baskin Layla Maria Dirty Dawg Trucking 110 Wisteria Lane Tracy, CA 95377 Yohe Heather Tracy Travel Exotic Travel 902 Central Ave #214 Tracy, CA 95376 Gangwer Tracy The Seducer 12001 S Highway 99 Manteca, CA 95336 Triumph Beverage Company Delicato Vineyards Sherman’s Chinese Food 1140 Waterloo Rd #3 Stockton, CA 95205 Zhou Rong Fu|Rong Fu Zhou
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Maggio Christina Nicole Benson Ferry Vineyards 7581 W Kile St. Lodi, CA 95242 Baywood Cellars Inc. Norcal Property Team 3133 W March Lane Ste. 1060 Stockton, CA 95219 Dolen Sherry Mills Belinda
G & V Farms LLC 10433 Fairchild Rd. Stockton, CA 95215 G & V Farms, LLC JSMA Services, LLC 3053 SWEETWOOD DR. Lodi, CA 95242 JSMA SERVICES, LLC Jewelry Jar 109 Arbor Ct. Lodi, CA 95240 Reney Wendy N Gilley Jennifer
SJ COUNTY
Lopez Custom Composites 4452 S Hwy 99 Frontage Rd. Stockton, CA 95215 Lopez Edelmiro Noe
ALR Business Services 197 Darcy Parkway Lathrop, CA 95330 Sandhu Amardeep Singh
Fictitious Business Names
Franks Basque Family Farm 1997 Oxford Way Stockton, CA 95204 Arburua Enterprises Inc.
Energy Systems 7100 Longe Street Suite 300 Stockton, CA 95206 ES West Coast LLC
LEGALS Stunt Dog Productions, Stunt Dog Experience, Extreme Canines Stunt Dog Show Stunt Dog Of America 554 W Matthews Road French Camp, CA 95231 Perondi Christopher James Chique Weddings And Events 2445 Ozark Drive Tracy, CA 95304 Rodgers Marshecka Cuentas Mercantile Sheredia 1987 Tarragona Way Stockton, CA 95205 Lopez Maria Luz Catalyst Property Management 2119 W March Lane #A Stockton, CA 95207 Catalyst Real Estate Professionals Valhalla Hobbies & Games 812 N Van Buren St #2 Stockton, CA 95203 Anthony Jerald R Turner Concrete Pumping 2941 W Lowell Ave Apt 42 Tracy, CA 95377 Rich Charles A Rich Natosha Mirror Mirror Esthetics 105 W Walnut Street Lodi, CA 95240
March Lane Massage 4555 N Pershing Ave., #8 Stockton, CA 95207 Liu Cuihua Cuihua Liu The Look Salon 49 A E 10th St. Tracy, CA 95376 Vu Lynn Archives And Ancestors 4719 Quail Lakes Dr., Ste. G 212 Stockton, CA 95207 Carnell Rebecca Empire Investments 210 S Corinth Ave. Lodi, CA 95242 Nichols Gregory Allen Marino Store Fixtures 11230 E Venture Way Manteca, CA 95336 Marini James
The Catalyst 941 W Yosemite Ave. Manteca, CA 95337 Hiers Edith H. Hiers Brian Critters – X 29245 E Shelton Rd Linden, CA 95236 Fregien Keith Brian Rockinsurge Marble & Granite 1644 Mc Henry Ave., Suite 3 & 4 Escalon, CA 95320 Garcia Lulu M. Flores Leo Farm Labor Leo Flores Farm Labor 410 1/2 Cherry St. Lodi, CA 95240 Martinez Leodegario Flores Windowshine 4713 Rollingwood Dr. Salida, CA 95368 Rose Kevin
Mivago Transport 3430 San Rafael Ave. Stockton, CA 95204 Gomez Miguel A Vargas Mendez Maria Grisel Caballero
Rodriguez Recycling 741 S Cherokee Ln. Lodi, CA 95240 Rodriguez Heriberto Cuevas
Full Moon Records Full Moon Recording Studio 42 N Sutter St. Stockton, CA 95202 Charlot Lawrence Jr.
Bo’s Appliance Repair 1808 Amarillo Wy. Stockton, CA 95209 Bo Xuan V Xuan V Bo
Thorton Road Consign Design 8807 B Thorton Road Stockton, CA 95209 Bush Harry Bush Joyce
Hornton Road Consign Design 8807 B Thorton Road Stockton, CA 95209 Bush Harry|Bush Joyce
Abstracts of Judgment Bizzy Space Interiors LLC, a limited Liability Company 595 Diane Ct. Lathrop, CA 95330 $6,114.98 Cor-o-van Moving VPL, Inc., a California corporation, et al. P & D Lodusa, LLC Vincent Phil Loduca, Jr. 500 Sansome Street San Francisco, CA 94111 $2,414,294.46 Loanvest VI,L.P. Amelia Napilot aka Amelia Castillo 900 Vallerand Rd Tracy, CA 95376 $7,446.36 Westlake Services LLC Neason St. William R. 7015 Kennesaw Ct. Stockton, CA 95219 $5, 566.04 Equable Ascent Financial, LLC Johnny Pacarro 1527 Capitola Cir. Stockton, CA 95206 $17,706.32 Equable Ascent Financial, LLC Karin Mirante 1478 Trellis St. Manteca, CA 95336 $5,162.45 Equable Ascent Financial, LLC Delarosa, Maria 1168 Devinshire Ave. Manteca, CA 95336 $4,734.82 Equable Ascent Financial, LLC Michael A. Turner 1666 Green Springs Ct. Tracy, CA 95377 $3,075.24 Capital One Bank Jaun A. Guerrero 875 Foxwood Dr. Tracy, CA 95376 $3,630.49 Capital One Bank John Thomas 255 La Palmoa # B San Clemente, CA 95672 $15,502.50 River City Bank
March 2014
Robin yapp 2773 Tecumseh Ln. Stockton, CA 95206 $4,056.86 Sterling Jewelers, Inc.
Olegario Casas 311 Maple St. Galt, CA 95632 $15,833.07 Chase Bank USA
Teresa C. Lopez, Aka Teresa Chavez Lopez 11355 E. Tokay Colony Rd. Lodi, CA 95240 $14,117.44 American Express Bank
Lalita Kiran 2447 Warlow Ln. Stockton, CA 95206 $14,764.99 Chase Bank USA
Douglas Ezell 1651 N. Berkely Stockton, CA 95205 $7903.04 Cash, LLC James L. Pagano 295 Edgewood Ct. Tracy, CA 95376 $76,391.22 DCFS Trust Tim Bannister, Cindy Bannister 16670 Wakefield Ct. Tracy, CA 95304 $9,340.00 Peter Perea Pradeep Singh 2101 Iroula Way Tracy, CA 95377 $11,986.87 American Express Centurion Bank Mossdale Gas, Inc. c/o Pritpal Dhillon, Agent 44 Castle Hill Rd. Roseville, CA 95678 $10,000.00 San Joaquin Valley Unified Air Pollution Control District FAMSA, Inc., a CA corporation 12801 Leffingwell Ave. Santa Fe Springs, CA 90670 $4,000,000.00 Golden Springs Development Company, LLC William J. Barkett 800 Silverado St., Ste. 301 La Jolla, CA 92037 $31,068.74 Omer W. Long, Trustee of Omer W. Long L.T.D. Ruben R. Romero, aka Ruben R. Romero Sr. 1918 Christina Ave. Stockton, CA 95204 $19,338.88 Unifund CCR, LLC, A limited liability Co.
Lydia A Booker 8513 Kelley Dr. Stockton, CA 95209 $15,016.91 Fireside Thrift Co. Waketer V. Mitchell 1471 Greenwillow, Way Tracy, CA 95376 $13,523.74 Ford Motor Credit Co. Samantha G. Chanty 2517 Claridge Ln. Stockton, CA 9521 $9, 563.40 Ford Motor Credit Co. Showtime Auto Center 4142 E. Service Rd. Ceres, CA 95307 $55,480.45 Washington, etc. Justin Michael David Montgomery 5307 El Camino Ave., Apt. 19 Carmichael, CA 95608 $205,585.00 Paul Matheson and Tracy Matheson Shellie L. Golie & Jack G. Golie 384 Alicante Court Manteca, CA 95337 $90,183.56 Patricia Crowder Placer Title Company 1139 Oakleaf Way Stockton, CA 95209 $84,689.62 Antonio Barba California Home Furnishing, LLC 8671 Elder Creek Rd,. # 600 Sacramento, CA 95825 $106,501.05 Union Bank Steven L. Scelzi 1437 Garnica Dr, Stockton, CA 95215 $5,938.47 EGC Financial LLC
March 2014
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www.cvbizjournal.com
Beer Belly BBQ 320 La Loma Ave. Modesto, CA 95354 Roy Paul Swanson Kristie Marie Swanson Benjamin General Construction 604 Cello Court Modesto, CA 95351 Benjamin Garcia Bossgoss & Associates 26 N. 3rd Street Patterson, CA 95363 Kathryn Jane Goss
STANISLAUS COUNTY
LEGALS
Broker Direct Realty 3316 Bartley Ln. Modesto, CA 95355 Darryl Pace
Fictitious Business Names
Cal Coating Asphalt Inc. 19428 W. Bradbury Rd. Turlock, CA 95380 Cal Coating Asphalt Inc.
A and M Trucking 514 Morning Glory Dr. Patterson, CA 95363 Abraham R. Arana
California Equipment Repair 4355 Faith Home Rd. Ceres, CA 95307 Coy R. Baughman
Ability Access and Associates 1441 Sunrise Ave. Modesto, CA 95350 Gurinder Singh
California Inn 1130 S. 8th Street Modesto, CA 95351 Ramesh N. Patel Narmuda R. Patel
Academy Of Dance 3500 Sisk Rd. Ste. C1-D Modesto, CA 95356 Modesto Dance Studio Inc.
Castillo Party Rental 7442 Viviaan Rd. Modesto, CA 95358 Jennifer Ann Castillo
All About Maintenance 3408 Brunswick St. Modesto CA 95350 Matthew Robert Voelker Allowance Wines 3006 Yosemite, BLVD> B-1 Ste. H Modesto, CA 95354 Blossom Hill LLC America’s Best Value Inn 701 20th Century BLVD. Turlock, CA 95380 Naresh Patel Amita Patel ASC Consultation Service 2601 Gennubger Way Modesto, CA 95350 Laura A. Young B U Universal Group 2921 Yosemite BLVD. Modesto, CA 95354 Christina Inez Mixon
Cat Networks Of Stanislaus County 1305 Edgebrook Dr. Modesto, CA 95354 Monica Barker Chrisp Air Hear & Air Conditioning 1508 Sailfish Dr. Modesto, CA 95357 Christopher Aaron Kuykendall Citizens Mortgage 1121 Oakdale Rd. Ste. 2 Modesto, CA 95355 Roman L. Perez Comfort Dental Care 1912 Standiford Ave. Ste 1 Modesto, CA 95356 Rupinder K. Chahal The Computer Guy 3800 Mc Henry Ave. Ste R Modesto, CA 95356 Arthur J. Dykxhoorn Cortes’ Creations & Improvements 2205 Promenade Ln.
Modesto, CA 95351 Daniel Cortes Severo Creative Genetics of California Inc. 900 Post Rd. Oakdale, CA 95361 Creative Genetics of California Inc. EZ Direct 1501 Coffee Rd. Ste. 5 Modesto, CA 95355 Stephanie Mora GI Logistics 2400 O’Farrell Ave. Modesto, CA 95350 Gilberto Gonzalez Green Valley Property Management 2853 Geer Rd. Ste. B Turlock, CA 95382 Guillermo Francis Just Teasin 108 N. El Circulo Patterson, CA 95363 Olivia Bettencourt Accurate Escrow 2128 Palm Ave. Highland, CA 95350 CAL East Escrow LLC Acree & Isenhower Family Dentistry Office 2 1801 Tully Rd. Ste B Modesto, CA 95355 Bruce Valentine D.D.S., a professional C Adams Underground 13191 Barnes Ave. Waterford, CA 95386 Edmond R. Adams America Express Towing 3230 E. Whitmore Ave. Ceres, CA 9307 Mohinder S. Kanda Antone L. Gomes and Son 515 E. Stuhr Rd. Newman, CA 95360 Donald Gomes Joseph Leonard Gomes Glo Maria Gomes ASAP Food Equipment Service 3925 Mesrob Ct. Modesto, CA 95356 Albert Yonan Assyrian Kings Films 1904 Bailey Dr. Modesto, CA 95355 Orahim Lazar Balanced Books 1300 E. Springer Dr. Turlock, CA 95382 Crystal Stapleton
Bathcrate 1113 Kansas Ave. Modesto, CA 95351 Trinity Renovation Inc. Bob’s Coffee Shop 2009 Central Ave. Ceres, CA 95307 Roberto Gutierriz Bertha Gutierriz
Crystal Cream & Butter 2125 N. Olive Ave. Turlock, CA 95382 Foster Farms Dairy Escobar Trucking 732 Musick Ave. Modesto, CA 95351 Douglas M. Escobar
Bob’s Coffee Shop 6900 hughson Ave. Hushson, CA 95326 Roberto Gutierriz Bertha Gutierriz
Esel Performance Solutions 361 N. Second Ave. Oakdale, CA 95361 Wayne Brian Scholl
Braxton’s Culinary & Arts 2020 Coffee Rd. Ste. I- 1 Modesto, CA 95355 Wilson Paula Braxton Antonio Terence Braxton
Evans Biomedics 2200 Coffee Rd. Modesto, CA 95355 Eberechukwu Evans Agunanne
California Favorite’s 4830 Paradise Rd. Modesto, CA 95358 Martha Venegas Carlin Associates 1539 Stephanie Way Ceres, CA 95307 Cesar A. Mendoza Central California Fish Sport Suppliers 2320 Weldon Ave. Modesto, CA 95350 Bentley Michael Tate Center Street Grill 120 N. Center St. Turlock, CA 95380 Daniel S. Gray Central Valley Inspection Service 3731 Incline Way Riverbank, CA 95367 Michael A Garello Mary L. Garello Central Valley Paving 1310 Rockefeller Dr. Ceres, CA 95307 David Hallum Central Valley Trading Co. 885 Azores Ln. Ceres, CA 95307 Billy Dea Frances Dea Claribel Farms 11043 Claribel Rd. Oakdale, CA 95361 Bryan A. Kamper Classic Dreams Auto Sales 4905 Yosemite BLVD. Empire, CA 95319 Lavern Lenore Whaley Ulrich
Flower Studio 1401 Woodland Ave. Modesto, CA 95358 Bertha Armenta Fred Beltran Jr. & Sons 701 Fink Rd. Cross Landing, CA 95313 Rose A. Beltran Lone Willow Cattle Company 4525 S. Morgan Rd. Turlock, CA 95380 Rose Natalie Sanders Los Arcos Mexican Seafood 1545 Tully Rd. Modesto, CA 95350 Mexican Sea Food, Inc. Lucky Discount Cigarettes 319 I St., Ste., 35 Turlock, CA 95380 Royia Safi MD Tax Services 1501 Holm Ave. Modesto, CA 95351 Maricela Delgado Michael Zocchi & Associates 4110 Brew Master Dr. Ceres, CA 95307 Classic Wine Vinegar Co. Inc. Moondog Motorsports 1106 Santa Fe Ave. Modesto, CA 95351 Guy E. Mullins N-Vision Marketing and Consulting 318 West F St. Oakdale, CA 95361 Nathaniel G. Vieira Neto’s Catering 1318 N. Golden State Boulevard Turlock, CA 95380
Neto Enterprises LLC Nineveh Imports 1560 Geer Rd. Ste., J Turlock, CA 95380 Marona Aghasi Oakland In Wonderland 116 N. Third Ave. Oakdale, CA 95361 Russell OliveraNeumann Ott Farms 5243 Paradise Rd. Modesto, CA 95358 Carl L. Ott Anthony Carl Ott Tom Joseph Ott Pennywise Gas and Mini Mart 937 Paradise Rd. Modesto, CA 95351 Sarbjit K. Virk Priceless Real Estate 408 Wexford Way Modesto, CA 95354 Betty H. Davis Progressive Electric 1265 Fawn Lily Dr. Patterson, CA 95363 Intrinsic Systems Inc. Regal Oak Industries 460 Senorita Ct. Oakdale, CA 95361 David W. Reeves Charlene E. Reeves Jennelle M. Oliver Resource Group 11201 Valley Oak Dr. Oakdale, CA 95361 The Cowan Company S & T Merchandising Solutions 1120 Root Rd. Modesto, CA 95357 Steven R. Kellogg Scorpio A/C Service 3201 Malik Ave. Ceres, CA 95307 Gustavo Calderon Skyland Express 711 3rd St. Modesto, CA 95351 Beatriz Buendia Azucena Buendia Spartan Managed Services 11438 E. J Street Oakdale, CA 95361 Ethan Rodgers Speedway Race Fuels 524 N. Sierra Ave. Oakdale, CA 95361 Paul Oil Company Inc.
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Central Valley Business Journal
March 2014