Talega Life - January 2017

JANUARY 2017

NEW YEAR’S EDITION

is What ga Tale Your orth? eW Hom n to

t Tur Shee reen The G ge 22 Pa

Meet the Snyder Family PLUS:

Financial Tips for 2017

Raising Resilient Children CAs New Digital Assets Law St. Anne School’s Open House January 12th pg. 17 How Property Litigation Impacts Talega

COVER PHOTO ERIK ISAKSON

WWW.BESTVERSIONMEDIA.COM

2  TALEGA LIFE

Expert Contributors

Attorney: Susan Dallas Hattan, Esq As an attorney specializing in estate planning and financial education, Susie Hattan’s mission is to help families achieve peace of mind through financial independence and protection of their hard-earned assets. A mother of three children and an active member of the community, Susie and her husband feel blessed to have lived in Talega for 12 years.

Financial Advisor: Colin P Smith, CFP® A financial advisor for Edward Jones, Colin has relocated his practice to San Clemente. He is focused on serving individual investors, just like you. Colin began his career with Edward Jones in 2007 as a financial advisor and is now a limited partner in the firm. Colin and his wife Brooke recently purchased a home in the community of Talega. They identified our community as the ideal environment to raise their young family.

Plastic Surgery: Dr. Kyle Song A board-certified plastic surgeon specializing in aesthetic surgery for the face, body and breasts, Dr. Song opened his practice in Irvine in 2012. Whether your goal is to look younger, or feel more beautiful and confident, Dr. Song has the artistic vision, thoughtful touch, and surgical talent to deliver the highest level of care. He and his wife, Sara, live in Talega with their two young children.

Toll Roads: Michael A. Kraman With over 30 years experience in major civil and transportation infrastructure projects, Mike is the CEO for the Transportation Corridor Agencies. TCA operates a 51-mile toll road network in Orange County. He is a graduate of the Coast Guard Academy, with a BS in civil engineering and holds an MS in civil engineering from the University of Illinois at Champaign-Urbana.

Mike is a registered professional engineer in California and numerous other states.

Retail: Paul Durant A local legend in the surf, skate and snowboard industry, Paul rode as a professional snowboarder for Sims, coached the USASA Junior National snowboard team for the 1988 Olympics, and served as head of product development for Vans. Now his expertise is here in Talega as co-owner of SoCal Surf Shop with his wife, Elizabeth. His aim is to promote surf sports and family values while enjoying being the local “coach” for kids and adults in San Clemente.

Orthodontics: Dr. Taylor Olsen Dr. Olsen completed both his undergraduate degree and dental school at UCLA, then studied orthodontics and dentofacial orthopedics at University of Washington. He is Board Certified in Orthodontics. He has practices in San Clemente and San Juan Capistrano. Dr. Olsen and his family have enjoyed living in Talega since 2008. Olsen Orthodontics offers the highest quality orthodontics, a fun atmosphere and fair fees.

Home of Nationally ranked Competition Teams

Come Be a Part of Our Spring Season & Recital!

Season starts January 9th!

Also offering morning adult ballet & tap drop in classes PiYo Fitness classes

Real Estate: Doug Echelberger A lifelong resident of San Clemente, Doug’s contributions in the San Clemente real estate industry span nearly four decades. He is ranked in the top 1% of agents in Orange County, the premier agent in Talega since 2001 and the leading agent of San Clemente’s #1 real estate team – the Echelberger Group.

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at SanClementeDance.com 1321 Calle Avanzado (Talega Business Park) • San Clemente

sanclementedance.com • (949) 498-7571 JANUARY 2017 3

Dear Readers,

Happy New Year Talega!

If you’re anything like some of my friends, the pressure of New Year’s resolutions can get too much by the end of even February. “I’ll start my diet on Monday” is usually followed by a cheeky grin and then quickly slides into avoiding beachwear altogether until at least September. By then they are hoping the weather will cool off and use the excuse that it is too cold to worry about the impossible no-carb diet.

This month, we have found valuable steps that actually work to make this year the best one yet. We wanted to shake up the traditional New Year’s resolutions, so we started by asking a counseling expert, Paula Shaw, her advice on how to attack the New Year with steps for success.

We also have an exciting new blogger on board, Scarlett Hannon, who is fluent in fashion and specializes in marketing in style. We picked her brain to see what steps to take to create a lasting first impression by finding your own look.

And if it's financial habits that you're looking to change, Colin Smith from Edward Jones offers some tips on financial resolutions for 2017.

Whatever moves you decide to make in 2017, we wish you great success and look forward to hearing from you regarding topics you would like to see addressed in Talega Life.

JANUARY 2017 PUBLICATION TEAM PUBLISHER | Lani Wilson CONTENT COORDINATOR | Joanna Larson DESIGNER | Lindsy Hemmersbach COVER STORY | Sarah Stokes CONTRIBUTING PHOTOGRAPHER | Erik Isakson

ADVERTISING FOR INFORMATION REGARDING ADVERTISING IN THIS PUBLICATION, CONTACT: Lani Wilson – Phone: (310) 560-6525 Email: lwilson@bestversionmedia.com COMMUNITY SUBMISSION INFORMATION Are you part of a local organization? Contact us for information on how you can submit articles, updates, reminders, events and more to reach the residents of Talega.

FEEDBACK/IDEAS/SUBMISSIONS Do you have feedback, ideas, or submissions?

We are always happy to hear from you!

Go to www.bestversionmedia.com and click

Happy New Year!

Lani and Joanna

Lani

“Submit Content.” You may also email your thoughts, ideas, and photos to jlarson@bestversionmedia.com. Articles submitted for consideration should be less than 400 words, must be formatted in Arial 12-point font, single-spaced and should not include any special formatting. We reserve the right to edit as necessary and cannot guarantee publication.

SUBMISSION DEADLINES

Lani Wilson Publisher lwilson@bestversionmedia.com

Joanna Larson Content Coordinator jlarson@bestversionmedia.com

The deadline for content is the 5th of the month for publication the following month. If the 5th falls on a Saturday or Sunday, we will need to receive your submission the preceding Friday.

Any content, resident submissions, guest columns, advertisements and advertorials are not necessarily endorsed by or represent the views of Best Version Media (BVM) or any municipality, homeowners associations, businesses or organizations that this publication serves. BVM is not responsible for the reliability, suitability or timeliness of any content submitted. All content submitted is done so at the sole discretion of the submitting party. © 2017 Best Version Media. All rights reserved.

4 TALEGA LIFE

Real Estate

How Property Litigation

AFFECTS TALEGA PRESENTED BY THE ECHELBERGER GROUP

L

itigation is a hot topic in Talega. The reason why is because it can have a real effect on Talega homeownership and it affects everyone, both buyers and sellers alike. If a lawsuit is filed by a Talega homeowner, litigation not only plays a role within the sale of their home but all neighboring real estate transactions as well.

Within Talega, most of the builder warranties expire ten years from completion of construction, and the reason why we find most individual or class action lawsuits filed during this period. As we move into 2017, one of the last waves of Talega homes will approach the ten-year mark.

What do you need to know?

Many homeowners and homebuyers ask me this question. The bottom line is that litigation can affect more than just the homeowner(s) that file suit. If anyone within your tract files a claim, it can have an effect on the sale of any home within that tract in a multitude of ways. For this reason alone, a lawsuit can complicate a real estate transaction for all parties involved.

As you can imagine, the complications that arise from litigation do not just go away overnight. The process can affect homeownership for years to come. During that process, my best advice is to consult a real estate professional If anyone within your tract files to guide you on your journey to a claim, it can have an effect on homeownership or to assist you the sale of any home within that with preparing for the sale of your home.

tract in a multitude of ways. For this reason alone, a lawsuit can complicate a real estate transaction for all parties involved.

In the instance of a single-family home, a lawsuit can add to the disclosures. If your home is in a lawsuit, obviously you would have to disclose it. What if the home you are buying is not in the lawsuit but in the same development? It is not uncommon that the HOA is named in the suit. When a buyer receives their HOA documents as a disclosure, the lawsuit can appear in those documents. This would be brought to the buyer’s attention and it could raise concerns about the purchase even though the subject home is not involved.

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For a condo, it can complicate buyer financing in addition to the typical disclosures. Condo litigation almost always involves the entire development at once. When financing a condo, the lender orders a Condo Certification from the HOA to check for various items, including litigation. If an ongoing litigation is discovered, typically they will not lend in that development. There are a few lenders with 20% down that will give a loan, but this really limits the buyer pool to purchase in that development.

Litigation does not have to be an obstacle for Talega homeowners and homebuyers. It is the responsibility of your real estate agent to educate and advise you regarding any litigation that affects your real estate transaction.

Whether it be the best course of action to take regarding disclosures or offering a solution when securing financing, it matters who you work with. We are proud to partner with both real estate professionals and affiliates that have a proven track record of getting the job done.

To sign up to receive The Green Sheet and Market Reports to your inbox every month, email info@echelberger.com. If you are in the market to buy, sell or lease property, contact Doug directly at (949) 498.7711 for a Free Home Valuation.

JANUARY 2017 5

Philanthropy & Community News

ATTENTION KIDS!

Have you or someone you know:

• • • • •

Been involved in any community service events?

Won a special award?

Performed in a local production?

Held a bake sale in your neighborhood?

Something else?

We’d love to feature you in our local Community News page!

Please submit content to Joanna Larson at jlarscon@bestversionmedia.com.

Let’s show what makes Talega such a great place to live!

CHOC Los Ninos Group Save the Date:

Thursday, March 9th • 11:00am-3:00pm CHOC Los Ninos Guild Annual Fundraiser “ Time To Play” @ Bella Collina Golf Club.

This year the Los Ninos Guild has pledged $45,000 for CHOC@Mission Hospital to purchase a transport machine for premature newborns in the neonatal unit.

On December 6th, the San Clemente Woman’s Club (SCWC) held their annual Holiday Luncheon and Inauguration of new officers for 2017 at the Talega Golf Club. The SCWC is a member of both the Orange District of California Federation of Woman's Clubs and a member of the General Federation of Woman's Clubs. The SCWC is celebrating its 86th birthday in 2017.

The SCWC is an active and philanthropic organization committed to making the San Clemente community better. They began serving San Clemente residents by providing meat for the soup kitchen during the Great Depression. They continue this type of service as they deliver Meals on Wheels through the local Senior Center.

Caption:Left to right: President Loretta Busam, Vice-President Sofia Fligiel, Recording Secretaries Cathy Wagner and Elizabeth Mayo, Director of Membership Laura Ginn.

Not pictured Treasurer Cynthia Cooper.

Past fund-raising projects include fashion shows, participating in Dancing for a Cause, and most recently, participating as a beneficiary in events with the Outlets at San Clemente. The money raised has provided donations to FAM, scholarships for deserving San Clemente High School students, and other areas as needs arise. In the 1970s, the club was quick to donate their building fund to the Community Center after it was destroyed by fire.

The Club meets the first Tuesday of every month at 10:30am at The Talega Swim & Athletic Club, 100 Calle Altea, San Clemente. For more information visit sanclementewomansclub.org.

6 TALEGA LIFE

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City & Local Contacts

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JANUARY 2017 7

Tax Strategies

Who’s Carrying

YOUR BUCKETS?

BY M. VICKY WILSON

I

grew up working in several family owned and operated businesses. The key word here is operated. Most small business owners and self-employed people literally operate the business. They carry all the buckets. My dad described himself as “president and janitor.” A lot of time is spent working “in the business” and not enough “working on the business.”

As kids, we were versed in all aspects of the operations and had the opportunity to see first-hand how commerce works and to appreciate the value of a dollar through hard work.

It wasn’t until I started earning my own way, outside of a family business, that I began to learn about taxes and investing. I remember my first “real” paycheck. I worked ‘x’ number of hours at a rate of ‘x’ per hour; where did the rest of my paycheck go?

I’ve had the good fortune to blaze my own path with various employment. I’ve also owned and operated different businesses in varying fields. I own real estate and make my living appraising it. But what’s my exit strategy and how does tax planning help me get there? That’s a part of working on my business. How do I make it work for me?

You work hard, too. Your efforts are spent working in your business, which is whatever occupation you hold. But are you also working on your business? That is, the business of your personal and family finances? What is your exit strategy? Will you have enough money to retire? What is the best way to transfer assets with the least tax hit? Are you taking advantage of all the tax benefits available to you now? Regardless of who occupies the White House, Uncle Sam is always going to want some of your hard-earned money.

You owe it to yourself to have a tax review and planning session every year to avoid financial shocks and surprises.

Whether you own property or your own business, are a contract employee or paid hourly or salary, there are tax advantages and retirement planning strategies you may be missing if you aren’t spending quality time with a tax preparation professional. I know taxes may seem unfair, annoying, scary, complicated or maybe even easy to you, however, tax preparation is not a bucket you should be carrying for yourself. Hand it to a professional.

M. Vicky Wilson is a founding partner in Liberty Tax Service at 439 N. El Camino Real, as well as a California State Certified Residential Appraiser (CRA) with an Accredited Green Appraiser (AGA) designation and an appointed Member of Assessment Appeals Board No.3 for the County of Orange. She is on the Board of Directors for the San Clemente Downtown Business Association and an Ambassador for the San Clemente Chamber of Commerce. Ms. Wilson may be contacted at (949) 271-1200.

Your Local Tax Strategy Partner Experience the Liberty Tax Difference! We work with you to help you understand what goes into your tax return and how to get the most out of your tax situation. We are open year round so it’s easy to get help when tax season ends. Liberty Tax offers FREE tax preparation for your dependents as well as FREE FAFSA forms (with your paid return.) Call, Email or Walk-in anytime for a free consultation or if you have questions regarding any of our services.

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• Notary • Health & Life Insurance • Annuities • Tax classes

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JANUARY 2017 9

Feature Story

Meet the Snyder Family

BY SARAH STOKES | PHOTOS BY ERIK ISAKSON

J

ereme and Tiffany Snyder are high school sweethearts.

Both grew up in Southern California and attended Canyon High School in Anaheim Hills, but as Jereme shares, “We actually met at a New Year’s Eve party twenty years ago. We started getting serious after college in 2001.” With many things in common, including being active in their church, The Church of Latter Day Saints, the couple married two years later, in 2003.

As an active, outdoor couple, they knew they wanted to stay in the area. As Jereme explains, “We both grew up in north Orange County and there are not many reasons to leave SoCal unless you have to!”

Before they married in 2003, Jereme attended San Diego State University, where he graduated in 2001 with a degree in business.

He is now an Executive Vice President at Colliers International in

the Investment Services division, specializing in selling shopping centers across the country. “We are also owners of LRSAC, Ladera Ranch Strength and Conditioning, a gym in Ladera Ranch,” Jereme says. “The gym specializes in group fitness and boot camp classes.”

Tiffany, a stay-at-home mom, has a busy schedule keeping up with their three active children: Stella (age 10,) Drake (age 8) and Sloane (age 3). Stella is very outgoing and at the time this article was written, was participating in her second play with The Arts Project of OC, located here in Talega. “She is currently in the role of Michelle, Buddy’s sister, in the play Elf,” Jereme shares proudly.

“Drake, our middle child, is very determined,” he continues. “He just finished up flag football and is now playing NJB basketball.”

Their youngest, Sloane, takes weekly dance classes and as the baby of the family, “still spends a lot of time with her favorite

10 TALEGA LIFE

says. “We are blessed that our children get to see their grandparents regularly.”

Another benefit to living in Orange County is the proximity to outdoor activities of all types. Jereme is passionate about fitness and LRSAC provides a great way to share that with friends and family. “We go surfing, rock climbing and, of course, exercise weekly at our gym,” he explains.

The family also travels quite a bit throughout the year, mostly to ski and go boating, but they also enjoy trips to New York and Hawaii.

Jereme usually goes on climbing trips every year and recently reached the summit of Mt. Rainier. “We are a very active family, from snow skiing in the winter to lake trips to go wakeboarding in the summer. person, her mom! We joke that she’s our high maintenance one,” Jereme shares with a laugh.

Besides drama, sports and dance, this active family also enjoys music. “We take guitar lessons from Sidney Greenbaum of Greentree Academy,” Jereme says. “He comes to our house every week and teaches me, Stella and Drake.”

Before moving to their current home, the couple and their children were living in Ladera Ranch. The family now lives in Cazadero, having moved here there November of 2015. “We have really enjoyed living in Talega. We love spending more time at the beach now that we live closer and have really enjoyed getting to know a lot of the people in the community,” Jereme reports. “Our neighbors are great and our children have a ton of kids to play with on the street.”

While life moves fast between school, work and activities, one thing the Snyder family makes time for is their health. The whole family spends time together at LRSAC, where programs are offered for teens and children as well as adults. There they can learn not just about fitness but how to have fun while doing it! Jereme and Tiffany have created an environment that helps athletes with speed, agility and strength, and where children of all ages can learn about nutrition and positive self-image. With three young children, they know how critical this time is in their development. As Jereme acknowledges, “We are trying to take advantage of this time in life because we know it moves by fast!”

As an active family living in Talega, the Snyders make time for the important things— their health, and each other!

One of the benefits to living in Orange County is having family nearby. “Both of our parents are still in Orange County,” Jereme

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JANUARY 2017 11

Recipe Corner

HOUSE MISO

Clams

Original Recipe from Chef Michael Pham Executive Chef at Anchor Hitch

For Broth: Water - 2 cups Seaweed Kelp - 2" square Bonito Flakes - 1/2 cup

Clams: Shareable, fun to eat, and amazingly delicious when done right, especially when bacon is involved. This special homemade recipe served at Anchor Hitch is easy to prepare for potlucks, birthday parties, or even a romantic candlelit dinner at home. Serve with toasted bread to soak up the goodness.

White Miso Paste - 1 Tbsp Heavy Cream - 2 Tbsp

For Recipe: Clams - 1 Lb Red Rose Potatoes - 3 Garlic, Diced - 2 cloves Carrots, Diced - 1 oz Onion, Diced - 2 oz Celery, Diced - 1 oz Bacon, Chopped (Nueske's preferred) - 2 strips Minced Parsley for Garnish

Directions: 1. Heat Seaweed Kelp in water until it boils. Remove Seaweed Kelp and replace with Bonito Flakes. Steep for 1-2 minutes on simmering boil. Turn off flame, let sit for 5 minutes, and then strain the broth.

2. Using a separate pot, boil Potatoes in water for 15 minutes or until fork tender.

3. Render Bacon. Sauté the Garlic until armatic then add Onions, Celery and Carrots. Sweat Onions and sauté until carrots become soft. Add in Clams, Potatoes and lightly sauté. Add 1 Cup of broth and 1 Tbsp. of heavy cream to finish. Once Clams start to open transfer all to a bowl, garnish with minced Parsley and chopped Bacon.

12 TALEGA LIFE

Wealth Management Strategies

Financial Resolutions:

Some Ideas for 2017

BY COLIN SMITH CFP®, AAMS®

W

e just opened the door to 2017 and you may have a few New Year’s resolutions in mind. Why not also consider a few financial resolutions? Here are some suggestions:

Quarter Page Magazine(4.25”x5.5”)

Build an emergency fund. If you were confronted with a major car repair or a new furnace, could you pay for it? Avoid accessing longterm investments in the event of a financial emergency. Instead, build an emergency fund containing three to six months’ worth of living expenses kept in a liquid, low-risk account.

Cut down on debts. If you can find ways to reduce your debts, you’ll help improve your overall financial picture. Many debts are not “useful”—that is, they don’t carry any tax advantages—so every dollar you spend to pay down those debts is a dollar you could use to invest for your future.

Leaving Your Employer?

Leaving Your Employer?

Understand Your 401(k) Options.

Boost contributions to your retirement plan. If your employer offers a 401(k) or similar retirement plan, take full advantage of it.

If your salary goes up this year, increase your contributions to your retirement plan.

You’ve Spent a Lifetime Understand Your 401(k) Options.

Edward Jones, we can explain options fo Preparing for At Retirement. your 401(k), including leaving the money in At Edward Jones, we can explain options for former employer’s plan, moving it to Now What? your your 401(k), including leaving the money in

Review your portfolio. Is your investment portfolio still on track toward helping you meet your long-term goals? Over time, your portfolio can “drift” to a place where you are taking on too much risk—or even too little—for your needs and long-term objectives. If this happens, you may need to “rebalance” your holdings.

your former employer’s plan, moving it toAccount (IRA) or an Individual Retirement To develop a retirement income out the it account subject to tax your new employer’scashing plan, rolling over to strategy that worksconsequences. for you, contact an Individual Retirement Account (IRA) or your Edward Jones financial advisor. cashing out the account subject taxor visit your financial To learn more,to call consequences. advisor today.

your new employer’s plan, rolling it over to

To learn more, call or visit your financial Think long term. By doing so, you can avoid overreacting to ColinPPSmith, Smith,CFP®, CFP®, AAMS® Colin advisor today. short-term developments, such as a sudden drop in the market www.edwardjones.com Financial Advisor AAMS® www.edwardjones.com Member SIPC or a “momentous” political event that predictably decreases in Financial 905 CalleAdvisor Amanecer Suite 260 Member SIPC importance as time goes by.

Colin P Smith, CFP®,San AAMS® Clemente, CA 92673 .

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.

Financial Try to follow these financial resolutions as best as you can.

You Advisor .

905 Calle Amanecer Suite 260 949-361-6970 San Clemente, CA 92673www.edwardjones.com Member SIPC 949-361-6970

905 Calle Amanecer Suite 260 San Clemente, CA 92673 Contact Colin P Smith, CFP, at (949) 361-6970 or colin.smith@ 949-361-6970 edwardjones.com, for a complimentary review to determine how your portfolio may be impacted by rising interest rates.

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could make 2017 a financial year to remember.

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JANUARY 2017 13

Style Spot

Style for Success

BY SCARLETT HANNON

We need to stop addressing style as a one-size-fits-all and start embracing our own personal vision!

G

etting dressed in the morning is the one form of art that we are all “required” to participate in. Fashion has always been an important part of my creative self-expression. Styling a new piece or putting together a really stellar outfit is often the game changer that gets me out of a slump or off the couch. My relationship with fashion has always been a positive one, playful, exciting and creative.

Yet, today’s mainstream fashion culture has a way of streamlining one look that we must aspire to. If you are not wearing what’s in, well you’re not “in.” For someone who doesn’t understand how to dress for their personality, body type and environment, the “black hole-esq,” environment of the closet can be downright stressful! My least favorite excuse in the book is when somebody tells me they can “pull something off.” We need to stop addressing style as a one-size-fits-all manifesto and start embracing our own personal vision!

Here is my list of tips to help you cultivate your own personal style and a wardrobe that works for you.

Find the image Identify your style icons. This doesn’t have to be individuals you dress like, or even your friends and family would guess you admire.

Make a dream style board and compile those who stand out to you.

Avant garde, mainstream, vintage, modern, nothing is off the table!

Let yourself play!

Branch Out When I am on the hunt for new pieces I try not to limit myself to one or two stores. Branch out. There are so many cutting edge brands and retailers out there offering an array of trends and pieces. Try shopping new and vintage, you might be surprised by some of the pieces you find. Instead of a trip to mall, visit a handful of small retailers. Variety is the spice of life!

Scarlett Hannon is a native Southern Californian living in San Diego.

She is passionate about Writing, Music, Food, Fashion and Art. For more information visit http://conflictedbythemiddle.blogspot.com (Instagram)@scarlettandgold (Twitter)@ScarlettHannon

Ditch the Baggage Sort through the closet. Let go of pieces that are holding you back or are attached to a low self worth. Keep the basics, the essentials and a few statement pieces that have sentiment.

Ditch the pieces that are keeping you trapped in a look (or maybe a relationship) that was a decade ago. This stage is all about cleansing!

Basics and Staples The start to any good wardrobe is basics and staples. Until you have a good foundation, adding in pieces that pop like, unique bags, shoes and coats will just fall short. Make a list of staples you need: jeans, tanks, tees, sweaters, leggings and maybe the LBD. These are the pieces that will allow you to layer those more unique statement items and have longevity from season to season.

14 TALEGA LIFE

Mind/Body Health

Let’s Dump Resolutions and Get Behind a RESET

BY PAULA SHAW

are either in the past or the future. One is gone and the other doesn’t exist yet, so not much pay off there. Just be where you are and stay open to allowing a reset when the moment presents itself. ’ve really been doing a lot of thinking about the concept of a New Year’s Reset. I think it is a brilliant idea with a lot more potential for success than New Year’s Resolutions.

I

So, down with resolutions that imply a prior screw-up and usually set you up for another failure. Up with living in the moment and being open to allowing a Reset whenever appropriate. Let’s do this and make it a truly Happy New Year.

You know how when your computer or your phone starts behaving in a really wonky manner, you just turn it off, or click the restart button? That concept of pausing and resetting everything is brilliant!

Paula Shaw is a Life Transition Strategist and Grief Expert, an author and speaker with a private practice in Encinitas. She can be reached at (626) 864-0756. paulashaw.com

Let’s explore this idea.

Isn’t it cool to think that when we reach a point where we have become frazzled, overwhelmed and minimally functional, we can just hit the restart button and reset everything? It’s like a course correction when sailing—no guilt, no wrongdoing—just a better, improved idea.

Life only happens one day at a time, so how can we know on January 1st what will be right for each day of the rest of the year? We haven’t lived into these days. We haven’t yet navigated the balance between effort and surrender, dedication and flexibility and this balance is key. For everything, there is a season. That’s an ancient truth, which should be one of our guiding thoughts as we traverse the year ahead.

As we step into the year, I love the idea that we have a plan, a general direction for each day but are always open to a reset; a course correction if a better idea presents itself. We need to be clear and powerful about what we desire but always open to the better option or goal that might emerge. This reset might be a change in our eating plan, our exercise regime, the way we are engaging in our careers or relationships. It could be many things.

The important points are these:

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—There is no guilt attached. You didn’t screw up; you just have a better idea.

—Implement the better idea as quickly as possible. Go forward fully. Don’t waste time on regret. If we aren’t in the present, we www.bestversionmedia.com

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Calendar of Events

January 2017 HAPPY NEW YEAR’S

Sundays San Clemente Farmers Market 9:00am-3:00pm

Opened in 1994, the market extends for a few blocks along the north side of Avenida del Mar between Ola Vista and Calle Seville. The wide selection of fruits and vegetables includes produce from organic growers.

Fresh flowers, plant starts, honey, bread, and some prepared foods.

Saturday, January 14th Family Assistance Ministries Extra Help In addition to our normal Monday through Friday hours, we also open our doors on the second Saturday of every month. We provide food, and also a particular special need. Past events have included free backpacks for kids, medical supplies, and flu shots. Call today to see what’s happening this month! (949) 492-8477 at 1030 Calle Negocio.

THE RESERVE

AT RANCHO MISSION VIEJO

Visit www.rmvreserve.org/calendar for more information.

Saturday, January 7th START THE YEAR OFF RIGHT HIKE 7–10:00am @The Richard and Donna O'Neill Conservancy Start the new year with a winter morning nature hike. As you traverse trails with a naturalist as your guide, you can observe shades of winter color while listening for native bird calls. Ages: 10 and up Adult: $10.00 Child: $5.00 Supporter: Free Wednesday, January 11th VOLUNTEER ORIENTATION AND TRAINING 6–9:00pm @The Reserve at Rancho Mission Viejo Headquarters This fun and informational orientation is the first step in joining us as an official Reserve Volunteer.

Learn about The Reserve's history, philosophy and mission, as well as skills for working with the public.

Meet other volunteers and learn how

you can help preserve Reserve lands through conservation and education.

This training is the first step in becoming a Certified Reserve Volunteer.

Certified Reserve Volunteers are specially trained volunteers that lead and co-lead Reserve programs.

Ages: Adult, 18 and older Tuesday, January 17th FUN WITH FUNGI LECTURE 7–8:30 pm @Guest House in Rancho Mission Viejo Explore the fascinating world of wild mushrooms with amateur mycologist Joanne Schwartz. We will learn about finding and identifying fungi in Southern California and beyond, as well as about their place in nature.

Ages: 8 and up Free Event Saturday, January 21st FUN FINDING FUNGI MUSHROOM WALK 9:00am–12:00 pm @The Richard and Donna O'Neill Conservancy

Explore the fascinating world of wild mushrooms with amateur mycologist Joanne Schwartz. If we are fortunate and get rain, we might find a wide range of fungal forms and species.

Bring your camera if you want.

Ages: 8 and up Adult: $10.00 Child: $5.00 Supporter: Free Saturday, January 28th ASTRONOMY NIGHT 6–8:00pm @The Richard and Donna O'Neill Conservancy Enjoy an evening outdoors, as you gaze into the heavens, learn the constellations, and peer through the telescopes of our volunteer astronomers. Reserve astronomers are all volunteers who enthusiastically share their telescopes and expert sky knowledge with you. (BRING: Warm clothing, Red cellophaned flashlight, binoculars, optional beach chair.)

Adult: $10.00 Child: $5.00 Supporter: Free

Are you a member of a club? Non-profit organization? Fundraising team? Neighborhood group?

We would love to help you publicize your event for free!

Please provide the information to Joanna Larson (jlarson@bestversionmedia.com). No activity is too large or small! The format is: logo (high-resolution, sent as separate attachment), date, title of event, time, location, brief description of event, cost (if applicable) and web link for more information (if applicable).

16 TALEGA LIFE

Orthodontics

Choosing an Orthodontist:

Are They All the Same?

BY DR. TAYLOR OLSON

I recently had a patient in my office that had already consulted three other orthodontists. At the end of our discussion, she asked me an all important question: “What makes you different from the others I’ve seen?

Why should I choose you?”

Quality. You should choose a health care provider based on Quality.

If your child had an accident and needed facial reconstruction, you most likely would strive to find the best surgeon around that would help achieve the best result for your child, regardless of cost. It’s not always easy for the general public to tell if the orthodontist produces good, quality work. Because it can be hard to know, many times you have to rely on the level of the doctor’s orthodontic training. Are you being treated by a dentist who does orthodontics, or by an orthodontic specialist, or even better by a Board Certified Orthodontist? A Board Certified Orthodontist is the most highly trained and has proven his or her skills in front of colleagues who know what exceptional orthodontics are.

www.bestversionmedia.com

Service. Next, many orthodontic patients will choose an orthodontist based on the level of Service they receive. Is the orthodontist personable? Is the treatment explained in terms you can understand? Do you feel comfortable in the office? Does the team go above and beyond to accommodate you or to maximize your insurance benefit? How are orthodontic emergencies handled? Most people would admit that it’s worth paying for good service. Just ask Nordstrom.

Price – I have to admit, I’m surprised that there are some who seem to base their entire decision on the orthodontic fee. Orthodontics not only moves teeth but also shapes the entire face of your child. It’s the orthodontist, and not just the braces themselves, that straightens the teeth. Most people I know believe it’s worth investing in good quality for their child’s healthcare. Of course we all look for good value and don’t want to be taken advantage of.

However, pay the cheapest price and you often get subpar quality or service.

At the end of the day, the results and experience you receive from different orthodontists will be different! The best quality and service don’t often come wrapped in the cheapest price.

My suggestion in choosing an orthodontist: Look into his/her educational credentials; check out the results of patients treated by that person, and then decide what is in the best interest of your child. After all, you’re not shopping for a car here, you’re altering your child’s entire face and smile!

Contact Dr. Olsen, a board certified orthodontist, with offices in San Clemente and San Juan Capistrano, at info@ocbraces.com or visit www.ocbraces.com for more information.

JANUARY 2017 17

Estate Planning

California’s New Digital Assets Law:

DOES YOUR ESTATE PLAN NEED A CHECK UP?

BY SUSAN DALLAS HATTAN, ESQ

H

ave you ever considered what will happen to your cloud and social media, computer, and online profiles when you are gone? California is one of 25 states that has passed legislation allowing protection of these digital assets.

What are digital assets? As the world evolves in the digital age, our lives are becoming increasingly impacted by digital assets.

Although the definition is constantly changing, some general categories are: • Personal assets (files stored on a computer, smartphone, or tablet) • Online cloud storage • Digital media (such as movies, books and music in online accounts)

SuSan DallaS H attan, ESq. Estate Pl anning

Happy

New Y

ear

“As long as you live keep smiling because it brightens everybody's day.” ~ Vin Scully

Estate Planning Checklist for 2017:

• Social media • Financial and business accounts

✓ If you have a trust, is it properly funded?

• Domain names and blogs

✓ If you have minor children, have you appointed a guardian to care for them if anything happens to you?

• Loyalty program benefits Why plan? Proper planning will streamline things for executors, trustees and family members; help prevent identity theft and financial loss to the estate; avoid unwanted discovery of confidential information; and preserve your personal story that might otherwise be lost in cyberspace.

What does the new law do? California’s new law utilizes a threetier system for disposition of digital assets. First, users may use an online tool to direct a custodian whether to disclose the user’s digital assets to a designated recipient. Second, a user may allow or prohibit in a will, trust, power of attorney, or other record the disclosure of digital assets to a fiduciary. Finally, if the user has not left instructions, a custodian’s terms-of-service agreement applies, possibly resulting in the account being deleted.

What should you do? First, prepare a comprehensive inventory of your digital estate, carefully safeguarding confidential information, usernames, and passwords. Second, utilize online tools if available. Next, include instructions in your estate planning documents. Consider putting assets in your trust and naming a digital executor, trustee, or agent to access and dispose of your assets. Otherwise, you will be at the mercy of the terms-of-service agreement for every account. (Of course, you read that fine print before you checked the “agree” box, right?) Finally, preserve your family legacy by backing up important files, photos, and videos to tangible media and giving immediate access to family members.

Susan Dallas Hattan, Esq. is a Talega resident and attorney specializing in estate planning and financial education. She can be contacted at (949) 285-4270 or sdhattanlaw@att.net.

✓ Are your wills, powers of attorney, and healthcare directives up to date? ✓ Have you made appropriate beneficiary designations on financial accounts? ✓ Do you have sufficient life insurance? ✓ Have you planned for long term care and possible incapacity? ✓ Did you experience a change in marital status, become a parent, change jobs or retire, or sell or purchase property in 2016? ✓ Have you planned for the disposition of your digital assets? ✓ Do you have a clear picture of your current and future financial situation?

Your neighborhood estate planning attorney Susan Hattan can help you with these questions, and more. Call now for a free consultation!

Check our website for more information on services offered by attorney Susan Dallas Hattan and upcoming workshops.

www.susanhattanlaw.com Susan Dallas Hattan, esq.

903 Calle Amanecer Suite 230 949-285-4270 sdhattanlaw@att.net

18 TALEGA LIFE

Business Spotlight

The ART of Cleaning The Art Of Cleaning

T

he Art of Cleaning, owned and operated by local residents Derek Soto and Silvia Wencel, has been in business since 2006. We offer our clients reliability, unparalleled attention to detail, and a focus on customer satisfaction. Our business is more than a housecleaning service; we consider ourselves professionals in personalized home detailing.

Because we know you love your home, we clean with love and dedication, giving special attention to every area while using only the highest quality products and equipment.

With a focus on personalized service, competitive rates, and a commitment to detail, The Art of Cleaning is always striving to meet and exceed our high standards and the expectations of our clients.

We look forward to giving your home an Art of Cleaning experience. Local references are available upon request.

CLEANING SERVICE AND PERSONALIZED HOME DETAILING With more than 10 years experience We guarantee satisfaction for even the most discerning and particular clients High end references available

This Business Spotlight is provided to welcome The Art of Cleaning as a new sponsor to Talega Life. Derek and Silvia can be reached at (949) 521-9017 or artofcleaning@gmail. com. Or visit www.artofcleaningoc.com.

Free Estimates

949.521.9017

www.artofcleaningoc.com • artofcleaningoc@gmail.com

Now right here in TALEGA! San Clemente and San Juan Capistrano.

“SPOTLIGHT”

Performing Arts Academy FOR CHILDREN AGES 8 TO 18

Salon Bleu 207 S. EL CAMINO REAL SUITE D, SAN CLEMENTE

949.366.2060

30% OFF

$20 Blowouts

with Fabulous New Stylist Andrea

(Limited space/select stylists - call for details)

Any Service

a

Learn how to Sing, Dance and Act at Spotlight Performing Arts!

Wed. & Sat.

Book Your Appointment Online

In the Courtyard at 207 S. El Camino Real

Contact Katrina or Shaun on 949 558 1534 or email spotlightperformingartsinfo@gmail.com for more details.

www.ScSalonBleu.com

www.spotlightperformingartsacademy.net www.bestversionmedia.com

THIS PIECE OF COLLATERAL EXPIRES: 09/15/17

JANUARY 2017 19

FAC E BREAST

BODY kylesongmd.com

EXPERIENCE WORLD-CLASS

PLASTIC SURGERY Dr. Kyle Song is a board-cerrfied plassc surgeon specializing in aestheec surgery for the face, body and breasts. Begin your journey towards a more youthful, beauuful you by requessng a consultaaon today online at kylesongmd.com.

FULLY ACCREDITED SURGERY CENTER

C A L L TO DAY !

(949) 701-4454

FULL TIME AESTHETICIAN

4968 Booth Cir #105 Irvine, CA 92604

MD PROVIDER FOR INJECTABLES

20 TALEGA LIFE

Family Focus

Raising a

Resilient Child

BY DR. DUSTINE REY

R

aising resilient children is every parent’s goal. There are over 100 parenting books that focus on the topic. We all want our children to bounce back from adversity, stay strong under pressure, make good decisions when no one is looking, and be their own problem-solver. Resilient children do not do everything on their own, rather, they know how to ask for help and are able to problem-solve their next steps.

A parent’s job isn’t to be there all the time for their kids, our job is much deeper: we are the ones who teach them to handle uncertainty and to problem-solve. The following research-based tips will help make the new year one that has lasting benefits: 1. Allow your children to take risks and learn from them.

Naturally, parents want to keep their kids safe. But eliminating all risk deprives kids from learning resiliency. The goal is allowing appropriate risks which teach essential skills. Giving kids

age-appropriate freedom helps them learn their own limits. Falling off a swing or tripping from running too fast are opportunities to logically teach balance, caution, looking both ways, and awareness.

As adults, we often forget that these valuable lessons are what helped shape us to become aware and responsible (or not.)

2. Provide moments for problem-solving, instead of fixing.

When something breaks or a misunderstanding occurs, the opportunity to engage your child in figuring out how to handle challenges is presented. Rather than fixing the issue, allow your child to verbally walk through potential steps to solve the problems. Talk about what would work and what may not. If they are old enough, they can try each option until they find a solution.

3. Let your kids make mistakes and share in the lessons with them. Failure is the spot you get to when you figure out what to do next; it is not wrong, terrible, or the end, but a place of learning and problem-solving. The most successful people attribute failure as their greatest teacher. Your child will learn to attribute failures as challenges and opportunities for growth by watching you and how you respond to them. They will take risks if they know they are supported and that the end result might be a lesson for learning.

Research indicates that children who take calculated risks and bounce back after something doesn’t work out become better students, take leadership opportunities, and have an overall better well-being than students who fear failure and mistakes. The fear of never trying is what can create anxiety, depression, and low selfworth. If you want your child to become resilient, prepare yourself for years of valuing each mistake as a gift of learning.

Children and adults who make good decisions and are problemsolvers became that way as a result of learning from their own consequences. Remember, you were once a kid learning how to get up after falling down. Your child will appreciate you sharing your own struggles from your youth and how they made you the person your child now admires.

Dr. Rey is an adjunct professor at The Graduate School of Education and Psychology at Pepperdine University and the founder/executive director of The Gratitude Garden Preschool in San Clemente. Call (949) 572-4453 or visit www.gratitudegardenpreschool.com for more information.

Enrolling for 2017-2018 Creativity, Exploration, & Gratitude Grow Here (949) 572-4453 GratitudeGardenPreschool.com

92 Avenida La Pata, San Clemente, CA 92673 www.bestversionmedia.com

…eliminating all risk deprives kids from learning resiliency.” And close by below it: “Giving kids age-appropriate freedom helps them learn their own limits.

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0129

949-496-3513 | www.sanclementechristianschool.com

No matter where you are on your spiritual journey,

You are welcome here.

Sunday’s Celebration Service

Br

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Jan

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Fr

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Special Events:

This month’s theme is Back to the Basics Jan. 1: New Year’s Day Renewal Service Jan. 8: The Thing Itself Jan. 15: The Way It Works Jan. 22: What It Does Jan. 29: How to Use It Meditation ~ 10 a.m. • Service ~ 10:30 a.m.

Youth Program for infants to teens.

da

y

New Year’s Day Renewal Service

Renewing purpose, goals and intentions for 2017.

Sunday, Jan. 1, 10:30 a.m.

Daniel Nahmod in Concert

Wednesday’s Wisdom Service • 7 p.m.

January 4, Community Potluck @ 5:45 with childcare during the service from 7 to 8 p.m.

Nationally recognized New Thought singer/songwriter Sunday, Jan. 8, noon

Classes:

Daniel will also be our special guest musician during the service

Writing to Heal while Learning to Dance Getting in touch with your dreams, desires and fears on a heart level.

Taught by Rev. Arpad Petrass • Begins Monday, Jan. 9, for 6 weeks • 6:30 to 8:30 p.m.

Essential Ernest taught by Dr. Heather Clark • Exploring the wisdom of Ernest Holmes writings Begins Tuesday, Jan. 10, for 10 Weeks • 7 to 9 p.m.

BRING THIS AD

949-240-6463

1201 Puerta Del Sol, Ste. 100, San Clemente, 92673

with you to one of our services or events and receive a gift from our bookstore.

Event information is subject to change. Please check our website for the most up-to-date details.

For information about all upcoming services, events, small groups and classes, visit www.cslcv.org