EAST COUNTY EDITION JANUARY 2020
McCauley Estate Vineyards Premier Wedding Venue
Savings and Award Winning Businesses on Every Page Monthly Grapevine ™ EAST COUNTY EDITION JANUARY 2020 Direct Mailed to Homes & Businesses inTheAntioch • Online 24/7
TO ADVERTISE CALL 925-634-0880
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The Monthly Grapevineâ„¢ EAST COUNTY EDITION JANUARY 2020
MonthlyGrapevine.com
Must Present Coupon
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FREE Water Analysis
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The Monthly Grapevineâ„¢ EAST COUNTY EDITION JANUARY 2020
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WIN $100
GIFT CERTIFICATE
Insert the team name and final score for each below and win a $100 gift certificate to any of our advertisers! Tie breaker = MVP Recipient Completed forms must be received by Mon JAN 27TH.
Feb 2, 2020
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PUBLISHER
Bluewater Publishing LLC OWNER
MonthlyGrapevine.com • CoCoCoupons.com Direct Mailed to over 54,000 Homes & Businesses Monthly • 925-634-0880 East County Edition • December 2019 • Serving Antioch
Yemi Popoola CUSTOMER SUPPORT
Trisha Moore SALES
in this issue 02 Golden State Dermatology
17 Brentwood Pro Exhaust
05 Dickey’s Barbeque Pit 06 Delta Aesthetics
18 Article by Patrick McCarren, Local Realtor & Broker
08 Manuel Iglesias
19 Calendar of Events
09 NorCal Air Duct Cleaning
21 Holy Rosary School
10 Elizabeth’s Cleaning Service
22 Ameri-Cal Weight Clinic
10 Amazing Plumbing & Rooter
23 Mr. Pavers
11 Diablo Delta Painting
24 Orchard Dentistry+Orthodontics
12 Class Act Cleaning Service
Ron Kahwaty 510.541.3108 Jaclyn Childs 925.822.4248 Fred Ginsler 925.642.2825 CREATIVE
Monica Mendoza Staci Harpole DIGITAL MARKETING
FYI Media TV WEB DESIGN/EDITOR
Clifton Creative Web
12 Le Landscaping
PHOTOGRAPHY
14 Finesse Limo
Ron Essex
14 McCauley Estate Vineyards PRODUCT OF BLUEWATER PUBLISHING LLC COPYRIGHT©2019 Bluewater Publishing LLC. All rights reserved. All advertisements, flyers or inserts produced by Bluewater Publishing LLC are intended for use solely in advertisements published by Bluewater Publishing LLC. Bluewater Publishing LLC reserves all rights on ads produced in-house for advertisers. All art contained in this publication is exclusive to Bluewater Publishing LLC. The use of the artwork, in whole or in part without written permission.
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The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
The Monthly Grapevine™ 8440 Brentwood Blvd., Suite A Brentwood, CA 94513 Office: 925.634.0880 Text: 925.628.2256 info@MonthlyGrapevine.com MonthlyGrapevine.com MonthlyGrapevine.com
Refreshing ITALIAN ICE
BUY ONE ITALIAN ICE TREAT With this ad only. Cannot be combined with any other offer. Custard treats not included. ©Rita’s Franchise Compnay, All Rights Reserved. Expires 2/15/20.
3150 BALFOUR ROAD, #A • BRENTWOOD 925.308.4495 • RitasIce.com
CLASSIC SANDWICH
LARGE DRINK
FAMILY PACK
Purchase a classic sandwich and 2 large drinks, get the 2nd classic sandwich free. Must present ad. Coupon valid at both locations. Not validwith other offer. Expires 2/15/20.
With purchase of an adult meal.
Includes choice of 2 meats (1 lb. each), 3 medium sides, 6 rolls & barbecue sauce. Must present ad.
(Safeway Shopping Center - Corner of Fairview Avenue)
Must present ad. Coupon valid at both locations. Not validwith other offer. Expires 2/15/20.
Coupon valid at both locations. Not validwith other offer. Expires 2/15/20.
5434 Ygnacio Valley Road, Concord 925-673-5306 2500 Sand Creek Road, Brentwood 925-240-8600
FAMILY DINNER DEAL
TAKE OUT SPECIAL
DELIVERY SPECIAL
$3886
FREE
FREE
+ TAX
2 Liter of Soda
Purchase a Family Size Pizza and Family Size Salad and Receive a Free 2 Liter of Soda
Must present coupon when ordering • Limit 1 coupon per order Good at Skipolini’s in Antioch or Clayton • Limited time offer.
Family Size 2 Topping Pizza, a Family Size Salad, plus a Pitcher of Soda, Dine In Only!
2 Liter of Soda
Must present coupon when ordering • Limit 1 coupon per order Good at Skipolini’s in Antioch or Clayton • Limited time offer.
Purchase a Family Size Pizza and Family Size Salad and Receive a Free 2 Liter of Soda
Must present coupon when ordering • Limit 1 coupon per order Good at Skipolini’s in Antioch or Clayton • Limited time offer.
901 Fitzuren Rd. • Antioch
Corner of Main & Diablo • Clayton
Open Mon-Fri 4pm; Sat & Sun 11:30am
Open Mon-Fri 4pm; Sat & Sun 11:30am
2001 Salvio Street • Concord
1535 Giammona • Walnut Creek
Open Daily 11:30am
Open Daily 11:30am
(925) 757-7770 (925) 680-6888
(925) 672-1111 (925) 280-1100
Looking for the Perfect Restaurant? Gift Certificates make a Great Gift... Find it fast in...
or visit our website monthlygrapevine.com Click on Local Pages™ TO ADVERTISE CALL 925-634-0880
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
5
OFF
NEW & RETURNING CLIENTS WITH THIS COUPON Expires 2/15/20
ack t B pe Ge Shaial! In pec S
Celebrate the New Year with an Improved You!
Dentistry Built On Trust Anniversary Implant Special
$2800
SPECIALIZING IN: actual Renuvion J Plasma patient
Renuvion J Plasma for Skin Tightening New Technology and Fantastic Results! ••••••••••••••••
ThermiVA “After just 3 treatments I feel like I’m 21 again! It has improved intimacy with my husband and we are so thankful!” P.R., 68 - Breast Cancer Survivor
Dr. Andrew Ness
925-757-5311
3807 Lone Tree Way, Antioch www.DeltaAesthetics.com
• ThermiVA • ThermiSmooth • ThermiTight • J Plasma • Botox • Restylane • Juvederm • Sclerotherapy • Laser Hair Removal • Dysport • Tumescent Liposuction • Tummy Tuck • Latisse • Hyperpigmentation • Microdermabrasion • Obagi Skin Care • Blepharoplasty
Peaceful Pet Passing IN-HOME PET EUTHANASIA Dr. Bob Linett,
Licensed Veterinarian
Peaceful, Compassionate Euthanasia for Seriously ill or Aged Dogs & Cats in the Comfort of Your Home.
*from start to finish, per tooth, most cases.
FREE
Professional Teeth Whitening Kit *$350 value
*Upon completion of patient exam, x-ray & cleaning.
925-706-0500 lpha lpha DENTALDENTAL
Convenient Location 5115 Lone Tree Way • Antioch (Next to Hwy 4 Bypass)
FREE Cosmetic & Implant Consultation Mercury-Free Fillings Minimal Radiation with Digital X-Ray Convenient Saturday Appointments Dr. Paul Lee, DDS, Inc. UCSF Alumni
www.LeeAlphaDental.com
Committed to your dental health for a lifetime! $10 Off First Groom
http://Studiok9.org
Full Service Dog Grooming & Small Breed Boarding Professional Setup In a Stress Free Home Environment
By Appointment Only
925-384-2210 or 925-684-7234 www.PeacefulPetpassing.ORG 6
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
MonthlyGrapevine.com
Nice Curves Ahead!
Sudoku 9
Brentwood Laser & Aesthetics
3
8
3 5 2
6
7
Cleared
7
5 1 2 4 9 8 4 7 5 6
5 1 2
9 3 7 1 Sudoku Puzzle 8/1
Dr. Rex Moulton-Barrett, MD Board Certified Plastic Surgery
• Sculptura • Restylane • Body & Face Tite • Perfect Peel • Lashes MD • Tummy Tuck and more!
One Treatment. No Surgery. Real Skin Tightening. That's Profound! Profound Dermal
Harbour Lights Christian Preschool Ages: Two to Pre-K Transitional Kindergarten Classes Offered Two Sessions Available
Reg i W strat New aived oion Enro n llme nt
Before/after school care for kindergartners Michele Menez Director hlcpmichele@sbcglobal.net
925-757-3884
1020 E. Tregallas Rd. • Antioch
ROYAL HOUSE CLEANING
Deep Cleaning Move ins/outs Basic Cleaning
Cleaning Special!
Book with any of our PA or Nurse and save $50! For a minimum of 30 units, paid and treated same day.
SAVE
$50
Walk In Thursday’s
Call Now
Deep Cleaning
FREE COSMETIC
25 OFF
Offer valid one time only. One per household. NEW CLIENTS ONLY
Insured & Lic.# 104148
Quality is what we specialize in TO ADVERTISE CALL 925-634-0880
Botox Treatment
$
925-437-3211
royalcleaningservices07@gmail.com
Ask about our new, no needle, cannula technique for fillers: less pain, less bruising, and more safety!
to book your
CONSULTATION
925-240-8775
1280 Central Boulevard, Suite J-5 • Brentwood www.moulton-barrett.com The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
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WE’VE GOT YOU COVERED FINANCING AVAILABLE
Quality Custom Concrete
CALL FOR DETAILS
FOR LESS!
Minimum Purchase Required
TIRED OF YOUR BORING CARPET?
$500 OFF
Let Us Remove It & Stain Your Concrete!
BEFORE
Commercial & Residential AWARD WINNING
Lic #936642
EAST COUNTY BUSINESS
COMPANY, INC.
LL
CA
! OW
(N925) 625-0120
Patios • Walkways Retaining Walls • Foundations • Steps Stamped Concrete • Concrete Columns Pavers • Concrete Staining & Sealing Flagstone • Block • Brick PUBLIC WORKS
35 Years of Experience
VISIT OUR WEBSITE: WWW.SUNBUSTERSINC.COM Serving The Contra Costa County Community Since 1998
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The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
Free Estimates
925-679-3969
www.manueliglesiasconcrete.com manuelconcrete@gmail.com Lic #721870 • Bonded & Insured MonthlyGrapevine.com
WHAT’S THAT SMELL? Accumulated dust burning is a very common odor you smell when turning your heater on for the first time in the cooler season... So once the heat comes on, the dust burns off and the odor passes through your air vents causing:
ALLERGIES • ASTHMA • HEADACHES • COUGHING SNEEZING • EXCESSIVE DUST
AIR DUCT CLEANING
DRYER VENT CLEANING
$249
$129
Up to 8 Ducts (Reg. $449) Includes FREE Dryer Vent cleaning. Additional ducts $25 each. Must mention ad. Expires 2/15/20.
(Reg. $169) Stacked dryers additional Must mention ad. Expires 2/15/20.
SENIORS & VETERANS
10% OFF
With whole house cleaning. Can Not Be Combined With Any Other Offer. Must mention ad. Expires 2/15/20.
Call today and schedule your
NorCal
AIR DUCT CLEANING
Air Duct Cleaning Servicing The Bay Area Since 1980
510.719.1618 • NorCalAirDuctCleaning.com HAPPY LANDSCAPING & CONCRETE
Interior • Exterior • Repaints Free Estimates
15% OFF with this ad
Jared Cuevas
(925) 766-9912 BayValleyPaintingInc@gmail.com CA Lic. #1016730
Quality Work at Low Prices All Types of Concrete • Walkways • Patios • Driveways Retaining Walls • Brick Work • Fencing • Patio Covers Pavers • Flagstone • Rock Garden • Decks • New Lawn Drainage Systems • Sprinkler & Drip System (Inst. & Repair) Tree Service • Yard Clean-up • Hauling Lic #982294
Free Estimates
Commercial & Residential
Roofing & Gutter Installation Gutter/Downspouts Cleaning & Repair Pigeon/Critter Proofing • Solar Panel Cleaning • FREE ESTIMATES • Insured & Licensed
DBA Saucedo Jose Roofing Lic #1043149
allcleangutters6@gmail.com
(925) 778-8313 • (925) 437-6934 TO ADVERTISE CALL 925-634-0880
925-752-0375
• Crown Moulding & Baseboard Installation • Acoustic Ceiling Removal • Drywall Patching & Texturing • House Staining • Fence Staining • High Pressure Cleaning • Gutter Clean-Out • Wallpaper Removal • Light & Fan Fixture Install
FREE ESTIMATES!
925.625.9909 Bonded • Lic. #759964
DadsProPaintOakley.com
Exterior • Interior • Residential • Commercial • Multi-Unit The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
9
LICENSED, INSURED, BONDED & WORKMAN COMP
Homes, Apartments & Offices Commercial Office Cleaning & Floor Maintenance Blind & Window Cleaning • Garage Detailing Pressure Washing • Move Ins • Move Outs Hauling • Carpet Cleaning • Deep Cleaning GET READY FOR THE NEW YEAR! Dependable • Experienced • Guaranteed
SAME DAY SERVICE • FREE ESTIMATES!
WALL TO WALL, WE CLEAN IT ALL!
925.516.7165
NEW YEAR RESOLUTION CLEANING
SPECIAL!
25 OFF
$
Full Deep Cleaning Gift Certificates Available
www.elizabethscleaning.net • info@elizabethscleaning.net
OUR SPECIALS
3 Rooms $85
SERVICES OFFERED
Stairs
• Carpet Steam Cleaning • Office Cleaning • Move In/Out • Car Interior (Carpet & Seats) • Window Cleaning • Tile & Grout Cleaning
DRIP? CLOG? LEAK?
SOLVED.
$30
You Can Count On Us, To Fix All Of Your Plumbing Problems In A Flush!
Not valid with other offers. Restrictions apply.
Repairs & Replacements Plumbing Services • Water, Sewer & Gas Trenchless Method • Video Camera Inspection FREE Sewer Line Inspections
AMAZING PLUMBING AND ROOTER, INC. Se Habla Español! • Licensed & Insured
Call For a FREE Estimate!
925-727-3077
mrcleancarpetcleaning.com
Our Reputation is Spotless!
30 OFF
$
4 Hour Cleaning Special*
90.00
$
reg. $120
Residential & Commercial
House/Office Cleaning Window & Carpet Cleaning Power Washing
75 OFF
$
(925) 756-5526 • amazingplumbingandrooter.com
$100 OFF
New Water Heater
10% OFF
Plumbing Services
Restrictions my apply. Call for details. Mention TMG ad.
WHY CALL THE REST? WHEN YOU CAN HAVE THE BEST! Kitchen & Bathroom Remodel Specialist
Bathroom Remodel
$3,500
8 Hour Cleaning Special* $
165.00
reg. $240
Lic#028616 • Insured
*Offers exp. 2/15/20. Must present coupon. New Clients Only. One Per Household. 2 people x 2 hours = 4 hours • 2 people x 4 hours = 8 hours
925-727-9808 • CACleanTeam.com 10
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
925-963-2822 • MorrisTileCo.com MonthlyGrapevine.com
ü Carpentry ü Electrical ü Drywall
ü Flooring ü Painting ü Plumbing
Call Now & Save 20% Lic. #789782
925-938-6251 www.aiohomesolutions.com
Proudly serving Antioch since 1998. Call us and GET IT DONE NOW!
PAINTING SPECIAL!
Offer Expires 1/31/20
SAVE UP TO
$
500 OFF
Any Complete Exterior Paint Job Not valid with any other offer. Exp 2/15/20.
24 Mark Sargent Owner
AWARD WINNING
TY EAST COUN BUSINESS
• Superior Workmanship • Fast Service • REO/Foreclosure Discounts • Senior Discounts CA Cont. Lic #637876 TO ADVERTISE CALL 925-634-0880
YOUR LOCAL NEIGHBORHOOD PAINTING COMPANY
FREE ESTIMATES
1-877-PAINT-10
DiabloDeltaPainting.com Antioch 757-4114 Brentwood 513-3244
• ELITEWOOD PATIO COVERS • PATIO ENCLOSURES • LOOKS LIKE WOOD, NEVER NEEDS PAINT CONSULTS BY APPT. ONLY
925-978-1800
www.BRIGHTIDEASDESIGNCENTER.com The Monthly Grapevineâ„¢ EAST COUNTY EDITION JANUARY 2020
11
YOUR WEEKENDS WEREN’T MADE FOR HOUSEWORK!
“Class Act”Cleaning Services Housecleaning
Regular Maintenance One Time Cleanings Move-In/-Out Cleanings
Tile Cleaning & Sealing
Call for specials
Servicing Your Area for Over 25 Years
classacthousecleaning.com Insured & Bonded
Cleaning Special
10%
Office Cleaning
The Perfect Gift Gift Certificates Available!
Entire House
OFF
Call for details • Exp.2/15/20
925-706-7572
Le Landscaping Service Experienced • Quality Work • Affordable Price Concrete Stamp & Color • Driveways Pavers • Retaining Walls • Fencing • Gates Sprinkler System • Artificial Grass Patios • Flagstone • Slates • Brick New Lawn • New Irrigation & Repair
Clean-up & Gardening Service
Free Estimates, Call Mr. Le 925.204.8500 12
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
Lic. #082868 MonthlyGrapevine.com
FROM OAK TO WHITE IN JUST DAYS! CALL THE CABINET EXPERTS TODAY! YES! WE DO FINANCING!
Painting
that will Revive your Home.
FER SPECIAL OstFallation
FREE Handle In acement! r Repl with Any Doo 2/15/20 EXPIRES
S. Page & Son
Celebrating
23 Years
• Replace Drawer and Door Fronts • Paint Cabinet Boxes
Before Ugly Oak
Interior • Exterior Commercial • Residential
• Replace Drawer Boxes and Slides • Add Rollout Trays • Knob/Handle Installation • Cabinet Refacing
After Beautiful White
$500 OFF Includes complete Interior and Exterior.
Senior Discount
$100 OFF 55 and over
Call now for a FREE ESTIMATE
925-766-0054
(925) 240-5002
www.spagesonpainting.com
CabinetRestorations.com
Renew Your Kitchen For Under $600 Like-new cabinets for a fraction of the cost We’ll deep clean them & restore in one day
Cabinet Restoration Services 25 Years Experience & Over 3500 Homes We Also Offer Cabinet Refacing
$
40 OFF
Not valid with any other offer. Limited time offer.
CabinetCareBayArea.com
925-528-8553 • Free Estimates
KEVC O
BATHTUB? Tub & Tile UGLY Don’t Replace It, R
EF
I N ISH I NG
REGLAZE IT!
Save Thousands! All Work Guaranteed Free Estimates
425.
Standard White Tub with this coupon • limited time offer
We also Repair & Refinish Shower Pans • Sinks • Tiles • Fiberglass Color Change Lic. #723774 1-877-TUBNTILE • 925-755-2772 Bonded TO ADVERTISE CALL 925-634-0880
Dabill Construction
Beautiful Cabinets Without Buying New
Lic.#1010941 • Bonded
BEAUTIFUL KITCHENS & BATHS!
DECKS • BACKYARD STRUCTURES WINDOWS & DOORS FENCES & GATES Call Dabill Construction Today!
925-626-7398
Lic#1053709
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
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Weddings &
More
Day of Wedding Coordination
Kristine Mulholand Wedding Coordinator
#9438
Services may include, but are not limited to: Coordinate with vendors prior & day of wedding • Create day of wedding timeline • Ensure ceremony/reception items are set up at venue • Onsite for vendor load-in/set-up & break down/clean-up •
Thank You!
TO ALL OUR CUSTOMERS 25 YEARS OF SERVICE FINESSE LIMOUSINE Airport • Wine Tours • Concerts Weddings • City Tours • Parties Sporting Events • Sedan Services Ask about our Wine Tour Specials
Mike
FinesseLimo.com
925.387.5272 • KRISTINE@FINALDETAILS4U.COM • FINALDETAILS4U.COM
Handcrafted Custom Jewelry of Exceptional Quality
~Wedding Ceremonies ~Wedding Receptions ~Special Events, Parties ~Business Functions ~Meetings/Game Room ~Rehearsal Dinners ~All-Inclusive Wedding Packages
2525 Sunset Rd Brentwood, CA 94513
925-516-3300
mccauleyestatevineyards.com mccauleyestatevineyards.com
Remodels Antique Restoration Diamonds & Gemstones Complete Repair Services
Bridal and Anniversary Specialist Visit us online at
BroderJewelry.com AWARD WINNING EAST COUNTY BUSINESS
TO YOUR WEDDING SERVICES INCLUDED IN2020 THE BRIDAL ISSUES CALL 925-634-0880 14 HAVE The Monthly Grapevine ™ EAST COUNTY EDITION JANUARY
925.634.6398
640 Harvest Park Dr., Suite B Brentwood
MonthlyGrapevine.com
Get hitched without a hitch! (BPT) - Your wedding is one of the most memorable days of your life. To pull off the big day of your dreams, it is important to have a plan in place. The average engagement in the United States lasts 16 months - this may seem like a lot of time, but with so many details to account for, it will fly by. Weddings have many moving parts, so couples need to prioritize and prepare for the unexpected in case their big day doesn’t go exactly as they’d hoped. To ensure that your special day goes as smoothly as possible, keep these tips in mind: Say “I do” to expert help
Vet your vendors Couples have to rely on many different vendors - from caterers and transportation companies to florists and venues. Depending on so many different people can leave room for error - just ask the couple whose DJ couldn’t make the reception because he was in jail. To protect your investment, make sure trust is established between you and your vendors. Start by thoroughly researching potential vendors, including talking to past customers, to ensure they are reputable. Then follow up with them throughout the planning process to make sure you are still on the same page. Don’t lose out on your deposits According to the Brides American Wedding Study, the average cost of a wedding in 2018 was more than $44,000. Clearly, a wedding is a significant financial investment. To protect against potential losses, couples should use a credit card instead of a check or debit card whenever possible for deposits. In the event something happens, a credit card payment is easier to recoup than cash. TO ADVERTISE CALL 925-634-0880
Planning a wedding is no easy feat - it is quite literally a full-time job. Couples can make the process a lot easier by hiring a wedding planner to make sure everything is covered. These experts will use their experience and many talents - like communication and planning skills, negotiation and problem-solving - to help your wedding dreams become a reality. Dealing with destinations Destination weddings are definitely on trend as couples seek Instagrammable, unique locations around the world for their special day. If you’re taking this route, factor additional money into the budget to cover unforeseen expenses. Consider hiring a local wedding planner who will be familiar with reliable venues and vendors in the area. Additionally, many destination weddings take place outdoors, and unpredictable weather could roll in at any time. It is important to have a back-up plan when it comes to venues, photographers or any vendor that could face a problem and be unable to provide their contracted services. Invest in peace of mind Because you can’t guarantee that everything will go right on your big day, wedding insurance solution providers like WedSafe can help protect your investment with wedding insurance. Investing in wedding insurance, on average, costs less than
half of your three-tiered wedding cake. Wedding insurance generally comes in two forms: * Wedding Cancellation Insurance. This coverage offers protection if a couple needs to cancel or reschedule their wedding in the event of issues like severe weather, a sudden illness or venue closure. In 2018, 43 percent of WedSafe’s claims came from the need to cancel or postpone a wedding. For example, the company saw a surge in claims in the Carolinas when Hurricane Florence hit, forcing cancellations for weeks following the storm as venues and vendors dealt with the impact to their business. * Wedding Liability Insurance. This type of coverage, which is now required by many venues, helps protect an insured if they are held liable for property damage or bodily injury. It can also offer host liquor liability to protect against alcoholrelated accidents. And these things happen more often than you’d think. Twenty-three percent of WedSafe claims in 2018 stemmed from venue/ property damage while 14 percent related to injury or accident. This information is provided for general informational purposes only and is not intended to provide individualized business, insurance or legal advice. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
15
PERSONAL FINANCE
there, you should assess what else you need to be happy and how you can use money as a resource to achieve it.
Tips for the Best Financial You in the New Year
• Assess the Cost of Being You: If your expenses or debt outpace your income, then it’s very difficult to live the best version of your life. Rather than continuously playing catch-up, track your spending to discover new ways to reduce monthly expenses. Apply those savings towards self-investment.
(StatePoint) At the same time that Americans are feeling the financial pinch of the holidays, they’re gearing up for 2020, with their top two goals being to save more and increase their credit scores, according to a national consumer survey by Experian.
• Understand Smart vs. Dumb Money: Not all dollars spent hold the same value. Knowing the difference between “smartâ€? and “dumbâ€? money is key to building a solid financial foundation, according to Harper, who says that “dumb moneyâ€? is spending on things like credit card interest or items that lose value quickly, whereas “smart moneyâ€? is spending on things that pay dividends, like an education or home.
Almost three out of four consumers surveyed are motivated to improve their finances. To reach their New Year goals, survey respondents say they’ll spend less money to improve their credit score (59%) and pay off credit card debt (58%).
to do a complete financial makeover?� says Harper, who recommends many other steps that will set you up for financial success, including building an emergency fund, securing health insurance, avoiding debt for unnecessary purchases and investing wisely. “No one has a crystal ball, but given lower unemployment rates and low interest rates, 2020 could be a good year to have a plan for growth. A diversified portfolio for this next decade is a good portfolio,� says Harper. More tips from Harper can be found at www. experian.com/education. While managing finances can seem intimidating, identifying trouble spots is the first step toward conquering your goals.
• Control Your Credit Score: A good credit score can help you gain access to capital with better terms at affordable rates. To improve it, pay bills on time and use a resource like Experian Boost, which is a free online tool that allows you to add positive payment history from utility and telecom bills to your Experian credit file, which can increase your score instantly.
To help get you started, Experian Boost ambassador, actor and financial empowerment activist, Hill Harper is providing these money tips: • Create a Financial Blueprint: The first step is to create a blueprint identifying your money, saving and investing goals. Examine your priorities and determine how much money you require to meet your basic needs. From
• New Year, New You: “We’re starting a new decade and what better opportunity is there
ALWAYS AT YOUR FINGERTIPS! Download Our FREE App Today!
Exclusive Access to
• Current Digital Issues • Local Calendar of Events • Coupons and Deals Scan QR code or go to TMGMag.com on your device and save to your home screen!
" �
GET IT ON
( ) @ • Leasing and Property Management • New Home Consulting • Real Estate Sales
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Stay connected to your community
Patrick McCarran, DRE#01325072. In association with Realty One Group Elite DRE#01931601
16
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
MonthlyGrapevine.com
ALL SMOG TESTS DONE
Luis Alvarado
TEST ONLY STAR CERTIFIED STATION
Owner / Technician
• Smog While You Wait • We Smog Any Size Vehicle • We Will Match Any Smog Price
SAVE
NO APPOINTMENT NEEDED!
20.00
$
2000 and newer. With this ad.
Custom Exhaust • Catalytic Converters • Diagnostic Brakes • Suspension • Steering Full Automotive Service
(925) 513–AUTO (2886)
Monday - Friday 8am - 5pm
925.634.4090
Appointments Available
brentwoodproexhaust.com TEST ONLY
8285 Brentwood Blvd. • Brentwood
305 Town Centre Terrace, Suite K • Brentwood Se Habla Español
Introducing an innovative 6-month pilot program available in two select neighborhoods, starting June 2019.
THE EASIEST WAY TO AND FROM BART… This On-Demand ride share service is similar to Uber and LYFT but with added safety and security of Tri Delta Transit Operators.
DOWNLOAD THE
MICRO-TRANSIT APP
BOOK YOUR FIRST RIDE WWW.TRIMYRIDE. COM TO ADVERTISE CALL 925-634-0880
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
17
PATRICK MCCARRAN
credit balance over 50 percent of your annual salary. This applies even if you pay it off each month.
Boost Your Credit for the New Year?
Use two credit cards. This is good and bad advice at the same time. If you have a credit card with a limit of $2,000, and you charge $1,500 on it, you’ve used 75 percent of your credit limit. Now if you split your amount into two, and spend $750 each, then the percentage of usage will be around 37 percent. So it helps your FICO. Now, don’t go on a credit card shopping spree.
IDidn’t get what you want for Christmas? How about a new home? If this is on your list you may consider adding boosting credit score to your New Year’s resolutions. Although no one except the credit reporting agencies know exactly how the algorithm works these general tips are commonly acknowledged to help increase your credit score On-time payments improve your credit score tremendously. It carries almost a 40 percent weight on your score. Set up the minimum payment with e-pay and choose the recurring option so it pays every month. Just remember to check your statements in case the minimum payment changes. Because you are setting this up at your bank you can change it or cancel anytime with the click of a mouse. Keep your credit card balances within 40% of the allowed limit. If you have $5,000 as your limit, then keep your balance amount to $2,000 to show that you are not pushing your limits, it is like the old saying they only give you money if you don’t need it. Also it is good practice not to have your total unsecured
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Maintain a good mix of good and bad loans. Home and business loans are considered good loans. Personal loans and private label credit cards are considered bad loans. This is why investing in a home loan if you are a spendthrift is a better decision. You will have a good credit mix and build an asset. It is a smart decision to pay your home loans over longer periods. Pay off your personal loans, credit cards and private loans first, as they tend to have a higher interest with no asset creation. Home loans, on the other hand but they build an asset. This is one of the underutilized logical tips to improve credit score. Pick a loan and set a goal and then focus on paying that one off (but don’t buy something to celebrate). Many people tend to abandon their savings accounts without closing them. If you have less than your Minimum Average Balance (MAB), it will start to affect your credit score. Also, when you finish paying a loan off, it’s imperative to
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
get the loan closure certificate. Check your credit reports regularly. Just go online and check your credit score at least once in a year, so that you can catch any mistakes and get it corrected. There have been cases when banks report you to FICO by mistake. Keep in mind that free reports are a consumer product and the credit score will vary depending on the type of credit you are applying for. Monitor your co-signed joint accounts even if they are family. You need to monitor the statements closely to make sure everything is in order. There is no use complaining if you chose the wrong joint holder who was careless and you don’t catch it. If you know you will not be able to pay on time, call and negotiate with your bank. Banks may be willing to extend your loan period and reduce the EMI and the FICO will see you are proactive. So these are some of the tips to keep your credit score in check and get a better home loan. Feel free to contact me with any other questions or for more information. Patrick McCarran is a local Realtor and Broker. Call/text 925-899-5536 • pmccarran@yahoo.com • CallPatrick.com. Independently owned and operated. Equal Housing Opportunity. In association with Realty One Group Elite DRE#0193160. Equal Housing Opportunity.
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Calendar
JANUARY
of
Events
HAVE YOUR EVENT INCLUDED Email us at: Info@monthlygrapevine.com. Please include your name and phone number.
JANUARY 6 – ANTIOCH COMMUNITY BLOOD DRIVE Mon. 2-6pm, Somersville Towne Center, 2556 Somersville Rd, Antioch. Life-saving blood offers second chances and many tomorrows to those who depend on it. JANUARY 11 – JUMP INTO HOMEOWNERSHIP Sat. 1-4pm, Antioch Community Library, 501 W 18th Street, Antioch. This workshop will be presented by two seasoned and dedicated homebuying professionals. JANUARY 18 – DYSL CRAB FEED Sat. 6:00pm, Antioch Community Center, 4703 Lone Tree Way, Antioch. No-Host Beer & Wine, Dinner, Drawing & Silent Auction. All proceeds benefit the DYSL Soccer Program. More info 925-978-5020. JANUARY 31 – INTERPERSONAL VIOLENCE 101 Fri. 9am-12pm, 3501 Lone Tree Way, Suite 4, Antioch. With this trainging you will be able to identify different types of violence and help victims reach safety. Hosted by Contra Costa Family Justice Center.
Bereavement Support Groups 2nd and 4th Thursdays, 4:30-6pm. Info 925-887-5678 or hospiceeastbay.org. Become a Hospice Volunteer Training course held in Brentwood/Antioch for compassionate, caring individuals to provide support to hospice patients and families. Info volunteers@hospiceeastbay.org. Cancer Support Group Tuesdays, 1-2:30pm, Epic Care Center, 4721 Dallas Ranch Rd., Antioch. Sponsored by Kaleidoscope and Epic Care Center. Info 925-778-0679. DASH Adoptions Fridays, 5-8pm at Petsmart, 5879 Lone Tree Way, Antioch. 1st & 3rd Sunday, 12-3pm, Petco, 5481 Lone Tree Way, Brentwood. Info 925-2190151 or deltaanimalssafehaven.org. Delta Women’s Social Club 2nd Thursday, 11:30am. Info Arlene 925-759-6365. Drop-In Internet Access Mondays-Thursdays, 5-9pm, Opportunity Junction, 3102 Delta Fair Boulevard, Antioch. Come use our computers for Internet access, email, job search, etc. Volunteer tutors may be available to help with computer questions. 18+ years. Info 925-776-1133 or opportunityjunction.org. English as a Second Language Classes Tuesdays and Thursdays, 6-9pm, Opportunity Junction, 3102 Delta Fair Blvd., Antioch. This is a teacher-led class. 18+ years. Info 925-776-1133 or opportunityjunction.org. Exploring the Dunes 2nd Saturday, 10-11am, End of Shipyard Rd., Antioch. Guided Tour 1 mile tour, wear sturdy shoes. All ages, no reservations required. Info 707-769-4200 or fws.gov/refuge/AntiochDunes. Food & Clothing Giveaway Last Saturday, 10am, New Birth Church, 1411 E. Leland Rd. Pittsburg. Info 925-439-8989.
Ongoing Events
Grace Closet Food Pantry & Clothing Closet Wednesdays, 4-6pm, Saturdays, 12-2pm, 3415 Oakley Road, Antioch. Free Food & Clothing Giveaway. Info 925-522-2017.
Ancient Scriptures and Languages of the Bible Wednesdays, 7-9pm, Brentwood. Info 209-642-0278 or info@ha-derech.org.
GSMOL Bi-Weekly Education Classes 2nd & 4th Thursday, 4:30-6pm, in Oakley. Topics related to mobile home living such as emergency preparedness for pets and humans, mobile home maintenance and more. Info/register 925-625-6251.
Antioch Alzheimer’s Caregiver Support Group 2nd & 4th Wednesday, 1:30-3pm, Antioch Center Center, 415 West 2nd St. Antioch. Info hgray@alz.org. Antioch Riverview Garden Club 3rd Tuesday, 2pm, Antioch Community Library, 501 W. 18th Street, Antioch. Animal Rescue Recon Dog Adoptions Saturdays, 10am-1pm, Pet Food Express, 5829 Lone Tree Way, Antioch. Info 925-392-7654 or animalrescuerecon.com. Antioch Multiple Sclerosis Self Help Group 1st Monday, 4:30pm, Kaiser Antioch Medical Center, 4501 Sand Creek Rd., Antioch. Sponsored by National MS Society. Info Sue 925-813-9069. Backgammon on the Delta Tuesdays, 6:45pm, Mountain Mike’s Pizza, 3612 Lone Tree Way, Antioch. No cost to play. Info bgonthedelta@gmail.com.
TO ADVERTISE CALL 925-634-0880
HALO Adoptions Saturdays & Sundays, 12-3pm (cats), Petsmart , 5879 Lone Tree Way, Antioch. Saturdays and 4th Sunday (dogs), 12-3pm, Petco, 5481 Lone Tree Way, Brentwood. Saturdays and Sundays (cats), 2nd Sunday (dogs) 12-3pm, Pet Food Express, 5829 Lone Tree Way, Antioch. HOW Over-Eaters Anonymous Meeting Tuesdays, 7-8pm, Kaiser Antioch Medical Center, 4501 Sand Creek Rd., Rooms 1D/1E, Antioch. 12 Steps & 12 Traditions reading/discussion. Info Chris 925-895-2100. Kiwanis Club of the Delta-Antioch Tuesday, 7-8am. Denny’s (Private room), 4823 Lone Tree Way, Antioch. Info 925-437-0150. MOMS Club of Antioch 3rd Wednesday, 10am. First Family Church in Antioch. For more Info momsclubofantioch.com.
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Overcomers Recovery Ministry 2nd & 4th Thursday, 7-8:30pm, Classroom 6, 3415 Oakley Road, Antioch. Support in overcoming strongholds, addiction, habits etc. Info 925-522-2017. Road Map For Youth 18-24 Yrs. Students between the ages of 18-24 interested in going to Los Medanos College, support to complete a certificate in a shortterm career technical education. Info Dionne@OpportunityJunction. org or 925-776-1133. Singles Club, For Seniors 60 & Over Wednesdays, 1pm, Riverview Lodge, Foot of I Street, Antioch. Also known as 40’s Plus Singles. Info Judy 925-683-2846. Typing Certification Mondays-Thursdays, 5-8:30pm, Opportunity Junction, 3102 Delta Fair Boulevard, Antioch. On-site typing certificates with practice time before you take the test. Printed certificate provided at end of test. Please call an hour before you arrive. Info 925-776-1133 or opportunityjunction.org.
Business Network International
Business Meetings
Come network with a group of high energy business professionals and find out how to grow your business.
Antioch Chamber Mixer 4th Thursday, 5-7pm. Info 925-757-1800.
DELTA CHAPTER
Meetings are Fridays 7am • Lone Tree Golf Course 4800 Golf Course Rd., Antioch
Antioch Lions Club 2nd & 4th Wednesday, 7pm. Denny’s, 2006 Somersville Rd., Antioch.
More Info:
Valerie, info@vblconsulting.com
Business Network International Friday, 7am, Lone Tree Golf Course, 4800 Golf Course Rd., Antioch. Info Valerie 925-428-9065 or info@vblconsulting.com.
(925) 428-9065
Business on the Bay 1st and 3rd Tuesday, 8:30 & 11:30, call for location Michelle Paxton 408-891-0090. Delta Chapter Retired Public Employees Association 2nd Thursday in May, Aug., Oct. & Dec., 11am-1pm. Info Bethany Carver 925-684-9612. Delta Networking Partners Tuesdays, 8:30-10am, 150 Cortona Way, Brentwood. Info Tiffany Diaz 916-412-9140.
URGENT NEED FOR VOLUNTEER DRIVERS IN EAST AND FAR EAST COUNTY! You can help by becoming a Meals on Wheels volunteer driver! Help to deliver hot, nutritious meals to homebound seniors! For more information
Delta Toastmasters Meeting Tuesdays, 7:10-8:10am, MiMi’s Café, 5705 Lone Tree Way, Antioch. Info Greg Hullen, President 707-373-6890.
925-954-8736 smeyer@mowdr.org mowdiabloregion.org
Empresarios Latinos Unidos Wednesdays, 8:30-10am. We are a group of Hispanic business owners interested in meeting each other; establish friendship and business relationships while also helping the Hispanic community. Info George 925-437-9520 or Maria 925-446-7626. Soroptimist International of Antioch 1st Wednesday, 6pm, 2nd, 3rd & 4th Wednesday, 12pm, Lone Tree Golf & Event Center, 4800 Golf Course Rd., Antioch. Info Mary Ann Redden 925-586-3161 or siantioch@soroptimist.net. The Rotary Club of Antioch Wednesday, 7-8am. Lone Tree Golf Course & Event Center, 4800 Golf Course Rd., Antioch. Info 925-437-0150.
Meals on Wheels Diablo Region is a non-profit 501(c) (3) organization (IRS #68-0044205).
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Sudoku Solution
Sudoku Puzzle 8/1
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Holy Rosary School Established 1955
Holy Rosary School is accredited by Western Association of Schools and Colleges and Western Catholic Education Association. We offer a quality Catholic education in a nurturing enviornment.
Now Enrolling for the 2020-2021 School Year
LLING NOW EinNicRanOs Preschool
Little Dom nter Learning Ce ed sc g pre hool-ag Now enrollin years old). children (2-3 tact rmation, con For more info tor ec ir l, Program D Ms. Jenn Hal m ol@gmail.co HRSPrescho
Prekindergarten, Kindergarten, and 1st–8th grades. Enrichment programs & before/after school care available.
Tours available upon request.
25 E. 15th Street, Antioch • 925-757-1270 holyrosarycatholicschool.org
Changing Hearts, Changing Lives, One Girlfriend at a Time!
(a women’s non-profit international organization) Meet Girlfriends Unlimited! Call Theresa at 925.642.7067 or Kathy at 925.759.1845
Cultured Pearls
Museums, Theater & Live Entertainment Contact Theresa at 925-642-7067 or Kellie at kkcandraw@yahoo.com.
Lit- n- Latte Find a career in an office environment at NO COST to you! Opportunity Junction provides 12 weeks of computer and life skills training, followed by a 4 month paid internship along with career guidance and job placement assistance.
Microsoft Office Certifications Business Math and English Professional skills Additional resources such as lunch, business attire, and more!
Meets 1st Thursday of the month. Barnes & Nobles at 6:30pm. Contact Lydia at 925-548-5982 or Josette at 925-487-5269.
Movie Night
Meets 3rd Tuesday of the month. Contact Kathy at 925-759-1845 or Theresa at 925-642-7067. Opportunity Junction 3102 Delta Fair Blvd., Antioch 10 a.m. on Jan. 6 (Mon), Jan. 13 (Mon), or Jan. 21 (Tues) 3 p.m. on Jan. 8 (Wed), Jan. 15 (Wed), or Jan. 22 (Wed) SparkPoint Contra Costa Rm. 7 3105 Willow Pass rd., Bay Point 10 a.m. on Jan. 9 (Thurs)
I am so happy that Opportunity Junction taught me the computer portion that is needed in this field of work. Every part of this program is worth it! - Marivel Rochin, 2018 Graduate
Government partners include the CDBG Programs of the City of Antioch, City of Pittsburg, and Contra Costa County; the Contra Costa County CSBG Program, and Contra Costa’s Employment and Human Services Department.
3102 DELTA FAIR BLVD. ANTIOCH, CA 94509
TO ADVERTISE CALL 925-634-0880
OPPORTUNITYJUNCTION.ORG 925.776.1133
Krafty Krafters
Ladies Who Lunch
Meets 2nd Tuesday of the month. Contact Chris at 925-628-3977 or Debbie at dmegan@sbclobal.net.
This and That
Like to shop, eat out, cook a little, go to garage sales or gardening? Contact Chris at 925-628-3977 or Kathy at 925-759-1845.
Mom Tribe
Motherhood truly does take a village, come encourage and support each other. We meet every 2nd and 4th Tuesday of the month. Contact Beckie at Beckiebarkley@gmail.com or Karley at Karley.hall@gmail.com.
Krafty Krafter#1 FaceBook Group Meets 2nd Saturday of the month. 50 Birch St. from 10-3pm. Contact Allie at 925-381-2237 or Lori at 925-628-7831.
Gamin’ Gals
Meets 4th Friday of the month. Contact Becky at 925-628-7923 or Allie at 925-381-2237.
The Monthly Grapevine™ EAST COUNTY EDITION JANUARY 2020
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