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January 10, 2014

New Years Resolution Fitness Awareness

January 10, 2014

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

The Ladera Ranch News

LADERA RANCH MOM IS FINALIST COMPETING FOR $1 MILLION GRAND PRIZE IN DORITOS COMMERCIALS

Fans Around the World Can Now Vote For The Best Ad From January 4 through January 29

Photo by Andrew Abajian From Cornfest to corn chips: Before becoming a mom, Amber Gill,competed in numerous pageantry competitions, becoming the Cornfest Queen of her local corn festival in the little town of Oakley, California, and being named “Miss Greater East Bay” for the Bay Area region of California. She even qualified for the Miss California pageant in 2001. Now, the mother of two boys has decided to go behind the camera to pursue her dreams of making it in Hollywood her ultimate dream to create a family-friendly movie. The vocal teacher based in Orange County, California entered the Doritos Crash the Super Bowl contest as her first foray into writing and producing, and now she’s already on the cusp of breaking through. “Cowboy Kid” was shot over two days in a residential area in Orange County California. Her husband David says the dog was the highest-paid actor on the set. Amber Gill, A Ladera Ranch mom of two boys ages 3 and 1, sees plenty of sibling competition and rivalry in her house every day. She wanted to capture this universal theme for her hysterically funny 30-second Doritos commercial where a little boy dressed as a cowboy rides a family dog like a horse and lasso’s a bag of Doritos away from his older brother. Selected from thousands of submissions representing 30 countries around the world, the Doritos brand today announced the five finalists for the Doritos “Crash the Super Bowl” contest who are vying for a $1 million (U.S.) grand prize. Fans are now invited to vote for the best ad on www.doritos. com from January 4 through January 29. Ultimately, two ads will air in front of a global television audience during Super Bowl XLVIII ,one selected by the world’s votes and one by the Doritos brand team. The two lucky winners will have the opportunity to work with Marvel Studios on the set of “Marvel’s The Avengers: Age of Ultron,” and for the first time in Doritos Crash the Super Bowl history, the creator of the ad that receives the most fan votes will win a guaranteed $1 million in prize money. This marks the first year PepsiCo’s Doritos brand has opened its annual “Crash the Super Bowl” contest to fans from around the world where Doritos tortilla chips are sold. Visit www.doritos.com to view the ads and full contest rules. The five Crash the Super Bowl finalist ads are: Page 2

• “The Cowboy Kid” by Amber Gill, Ladera Ranch, California, United States • “Time Machine” by Ryan Andersen, Scottsdale, Arizona, United States • “Office Thief” by Chris Capel, Valencia, California, United States • “Breakroom Ostrich” by Eric Haviv, Atlanta, Georgia, United States • “Finger Cleaner” by Thomas Noakes, Sydney, Australia A qualified panel of judges, including executives from the Doritos brand, advertising professionals and the legendary Stan Lee of Pow! Entertainment , chairman emeritus of Marvel Comics and co-creator of such Super Heroes as Iron Man™, Spider-Man™ and others selected the five finalist ads. “As someone who has brought comic book characters to life for an entire career, I know what it takes to tell a great story,” Stan Lee said. “In just 30 seconds, these five finalists tell incredible stories , each with their own style ,and have left me truly blown away.” “When the Doritos brand first launched Crash the Super Bowl, the concept of user-generated content was brand new,” said Ram Krishnan, vice president of marketing, PepsiCo’s Frito-Lay division. “Since then, the amount of content created and shared on a global level has grown to an astounding rate. We were so excited by the global response to this year’s contest, and are thrilled to now spotlight two finalist ads on one of the world’s biggest advertising stages.” Each of the five Crash the Super Bowl finalists are invited to attend Super Bowl XLVIII in East Rutherford, N.J., and watch the game from a private luxury suite, where they will tune in to learn which two finalist spots will air. The creators of both winning ads will receive the opportunity to work on the set of “Marvel’s The Avengers: Age of Ultron” and the ad with the highest total number of votes will win its creator the $1 million grand prize. The runner-up will receive $50,000 (U.S.). The three finalists whose commercials don’t air during the broadcast will each win $25,000 (U.S.). The Super Bowl XLVIII broadcast is set for Sunday, Feb. 2, 2014, on FOX. As one of the leading snack brands in the world, Doritos has a presence in 46 countries and six continents. With flavors ranging from Nacho Cheese

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and Cool Ranch to Sweet Chili Pepper and Tangy Cheese, the worldwide Doritos portfolio currently offers more than 70 unique varieties. PepsiCo’s relationship with the NFL is among the company’s longest-running and most-successful sports sponsorships. PepsiCo has leveraged its relationship with the NFL to connect with consumers throughout the season with activations spanning many of the company’s largest food and beverage brands, including Pepsi, Tostitos, Quaker, Doritos and Gatorade.Marvel Entertainment, LLC, a subsidiary of The Walt Disney Company, is one of the world’s most prominent character-based entertainment companies, built on a proven library of more than 8,000 characters featured in a variety of media over seventy years. Marvel utilizes its character franchises in entertainment, licensing and publishing. For more information visit marvel.com. Doritos is one of the leading brands from PepsiCo’s global snack portfolio. To learn more about the Doritos brand, visit its website at www.doritos. com. PepsiCo is a global food and beverage leader with net revenues of more than $65 billion and a product portfolio that includes 22 brands that generate more than $1 billion each in annual retail sales. Our main businesses Quaker, Tropicana, Gatorade, Frito-Lay and Pepsi-Cola make hundreds of enjoyable foods and beverages that are loved throughout the world. PepsiCo’s people are united by our unique commitment to sustainable growth by investing in a healthier future for people and our planet, which we believe also means a more successful future for PepsiCo. We call this commitment Performance with Purpose: PepsiCo’s promise to provide a wide range of foods and beverages from treats to healthy eats; to find innovative ways to minimize our impact on the environment by conserving energy and water and reducing packaging volume; to provide a great workplace for our associates; and to respect, support and invest in the local communities where we operate. For more information, please visit www.pepsico.com. Orange County residents and in particular those who live near Ladera Ranch will be cheering and probably voting for their hometown favorite Amber Gill’s commercial “The Cowboy Kid”. Visit www. doritos.com to view the ads and full contest rules.

The Ladera Ranch News

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

January 10, 2014

Eating well at any age: How to fuel your mind, body and soul It’s common knowledge that children should eat plenty of fruits and vegetables, consuming all the nutrients needed to grow up strong. Many adults don’t know that it’s just as crucial to continue those healthy habits throughout adulthood and well into the “golden years.” Regardless of age, we should all make nutritious and sensible choices to promote peak physical and mental performance. Build strong bones Experts say the human body begins to lose bone mass at about age 30. That’s why it’s important to get plenty of calcium to keep bones strong, along with vitamin D, to help your body absorb calcium. Good sources of calcium include green leafy vegetables such as spinach, kale, okra and collard greens. A convenient and delicious way to take in more calcium is to incorporate an Emerald Smoothie into your daily routine. Simply blend pineapple, celery and spinach with soy milk and ice in a Vitamix 7500. This quick and easy concoction will give your diet an extra boost of essential nutrients. Sharpen the mind Making wholesome choices helps keep your brain fit. Omega-3 fatty acids, found in oily fish like sardines and salmon, as well as flaxseed and walnuts, have been linked to

improved cognitive function and reduced risk for certain diseases. Eating fish regularly is one way to get enough omega-3s. If you’re not a seafood fan, numerous types of fish oil capsules are available at drug stores. Avocados also boast omega3s, as well as monounsaturated fat, which can help lower cholesterol and improve circulation. Avocado provides a rich flavor and texture perfect for nearly any sandwich, as well as dips, smoothies and even desserts. Antioxidant-rich blueberries are another mind-boosting addition to any diet. Considered a “super food,” these berries contain properties that have been linked to better brain health, improved motor skills and a sharper memory. To increase your berry intake, try a fruit salad for lunch or whip up a fresh berry sorbet for dessert. Nourish your nervous system Vitamin B12 is vital to your wellbeing. It can aid your body in producing red blood cells, properly developing nerve cells and preventing anemia. This vitamin can be found naturally in animal products, such as fish, meat and eggs. Steamed clams and lean beef are some of the best sources of Vitamin B12. Those maintaining a vegan or vegetarian lifestyle should

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consider a supplement or foods specially fortified with B12, including certain breakfast cereals or soy products. Stay hydrated Water is essential for your body. It keeps you hydrated, regulates body temperature and flushes waste. As we age, our sense of thirst may not be as effective, causing some older adults to be dehydrated but not feel thirsty. The average adult requires six to eight glasses of water each day, so a good rule of thumb is to have one glass at each meal and at least one glass in between meals.

Almond milk, soy milk and wholefood juices, made by blending whole fruits and vegetables in a highperformance blender like a Vitamix, can also keep you hydrated and satiated. When reaching for a thirst quencher, try to avoid sugary drinks such as soda and processed fruit juice, which add calories without much nutritional value. Aging is inevitable, however, you can build a stronger body, mind and soul at any phase in life. All it takes is knowledge, motivation and followthrough to keep yourself healthy and full of energy for years to come.

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January 10, 2014

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Four simple tips to achieve your New Year’s resolutions The new year is here and it’s time to tackle your resolutions! You’ve set your goal, and now is the time to take action. A recent survey by Bing and Impulse Research showed 69 percent of people were all talk last year and did not keep their New Year’s resolution. The same survey showed 41 percent of people want to improve their health and lose weight in 2014. Following a few simple tips can help you kick start your healthy habits and inspire you to achieve your goals this year. * Be specific. Rather than creating a general goal to lose weight, workout more, or eat healthier, set a goal that is measureable and realistic. If your goal is to lose weight, decide how many pounds you want to lose, and set a target date for the weight loss. If you want to work out more this

year, think about how many times per week you want to hit the gym. This is an important step in setting a goal because it will keep you motivated, and allow you to assess your progress. * Make a strategy. Take the time to think through what it will take to achieve your resolution and create benchmark goals throughout the year. Doing so will help you track your progress and create opportunities to reward yourself along the way. People often spend too much time critiquing themselves or focus on how far away they are from their end goal and forget to celebrate the smaller wins. Make a plan to reach your goal and reward yourself as you reach your milestones. * Learn your barriers and find solutions. In our time-starved world it’s not surprising that 20 percent of people say they don’t have enough time to accomplish their New Year’s resolution. Don’t let your busy schedule hold you back from accomplishing your goal; instead, focus on doing a little bit every day. If you’re on the go, choose a healthy snack like carrot sticks or walnuts to prevent you from reaching for sugary treats. The Bing

Health & Fitness app for Windows 8.1 has nutritional information for more than 200,000 foods so you can compare your options and select the healthiest choice. If your busy day kept you from hitting the gym, don’t let that be an excuse not to work out. The app also has more than 1,000 exercise videos so you can work out anywhere. And if you’re too busy to get in a whole workout, select an area that needs some attention and the app will suggest workouts that target that area. With this app, you can stay on track by finding a workout that fits your schedule. * Grab a partner. The buddy system

is an effective way to achieve your goal. Find a friend or family member with the same goal so you can support each other and share tips along the way. At the beginning of the year, schedule workout dates and active get-togethers. Share recipes or make plans to cook together so you have healthy, ready-to-eat meals. Having someone hold you accountable will help inspire you to keep up your hard work, not to mention it also makes achieving your goal fun. Follow these four tips and you’ll be on your way to achieving your health and fitness goals in 2014.

Intense Fat Burning Workouts With 10 Pound Dumbbells A Few Little 10 Pound Dumbbells Can Go a Very Long Way in Burning Fat and Working Your Butt Off. By Jillita Horton You’ll be amazed at how intense and fat-burning a workout can be with just 10 pound dumbbells. I’m a certified personal trainer, and my clients are always flabbergasted at how intense a workout with such light dumbbells can actually be. You can base an entire workout on just two 10 pound dumbbells and burn a lot of fat. The following workouts with just 10 pound dumbbells are not geared towards endurance. This isn’t about walking while holding these little weights or curling them while pedaling a stationary bike. This is about getting sweaty and huffing and puffing, getting hot and drippy with heartpumping fatigue. The objective is to fatigue rapidly for optimal fat-burning, but even if you’re already lean, these workouts will promote musculoskeletal and cardiorespiratory fitness. Legs Half-ball squat. Standing on the flat side of a half-ball, holding the 10 pounders at shoulder height or crossed at the chest, squat deeply for 20-30 repetitions. If you’re a beginner, squat on the Page 4

floor for several weeks before moving on to the BOSU ball. Either way, rest one minute and repeat two more times with a minute rest. Stool jump. Use a 12 inch stool and hold the dumbbells on either side of the body, and jump up with both feet at the same time, then jump back down. The jump back down can also be forward. Jump as high as possible off the stool. This is to be done as fast and as high as possible for one minute. Less fit trainees can jump onto a step class stepper elevated at one riser level. Treadmill incline. Set treadmill to 15 percent and 2 mph and walk while holding the 10 pound dumbbells at the sides or at chest, for three minutes. Depending on your fitness level, use a speed of 2.5 or even 3 mph, or if you’re not very fit, set the speed at 1.5 mph. Squat jump. For 30 seconds, do your best squat jumps while holding the 10 pound dumbbells. Don’t avoid the squat; get down as deep as you can before springing back up. Jump off the floor; don’t just go up on the balls of your feet. Realize that the deeper the squat and higher the jump, the fewer repetitions will be completed in 30 seconds. The point is to become exhausted in 30 seconds.

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Upper body Pushup-row-mountain climber. Get into a pushup position, hands on the 10 pound dumbbells. Perform one pushup, row a dumbbell to your side with the right arm; do a pushup; repeat the row with the left arm; do a pushup; bring right knee to left abdomen, then left knee to right abdomen, then begin the sequence all over. Keep doing this for one minute. If you’re not fit enough to do this, modify the routine. This can be done several ways. For example, the rowing can be done by each arm before each pushup; or, the mountain climbers can be done in an alternating fashion instead of both legs successively; or, the pushups can be done off the knees. Dumbbell swing. This is the same as the kettlebell swing except in each hand is the 10 pound dumbbell. Swing them between the legs, breaking the plane of the legs, before swinging them back up, and swing them up above shoulder height. Do 15 to 30 reps, rest one minute, then do 15 to 30 reps. Dumbbell jog. If the gym has a track, jog nonstop while holding the weights for five minutes as a semiwarm-down. The final warm-down is a five minute walk holding the weights (or, to put it another way, a five-minute

very light farmer’s walk). If the gym doesn’t have a track, use the basketball court perimeter if it’s clear enough. If there isn’t a basketball court, use a treadmill. How much rest in between each exercise? That can vary, depending on one’s fitness level. It can be two minutes or one minute, or even 30 seconds for very fit trainees. However, for the fittest people, have each station set up in close proximity, and move from one station to the next as each station is completed. This can be thought of as a gigantic superset. In order to do this, though, intensity level of each component exercise must be reduced. This workout is a total fat-burning enterprise, even though you’re using only 10 pound dumbbells. Follow these instructions so that you get dripping, hot and out of breath for optimal burning of stubborn body fat.

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The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

January 10, 2014

Sprint for Health and Fitness

Editorial offices: 23472 Vista Del Verde, Suite 6 Coto de Caza, CA 92679-3930 949-589-9990 To send a press release: newseditorials@yahoo.com

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Ladera Ranch News is an independent weekly newspaper published every Friday. We are not owned or operated by any of the big daily newspapers. The views and opinions expressed are those of the publisher and not any organization. No reproduction, in whole or in part is permitted without the express written permission of Ladera Ranch News. Legal Advertising: The Ladera Ranch News was adjudicated by the Orange County Superior Court as a newspaper of general circulation pursuant to Government Code 6000 case #A227454 on December 30, 2004 and as such is the appropriate newspaper to place legal and public notices for the South Orange County Judicial District and the community of Ladera Ranch..

By Joan Kerrigan It seems like everyone in the fitness world is talking about sprinting these days, and for very good reason. If you aren’t doing some kind of sprints as part of your weekly workouts, you’re missing out on amazing benefits. Sprints are a form of HIIT (High Intensity Interval Training). They are characterized by short intervals of intense effort, followed by periods of active recovery, or rest, repeated for a certain number of repetitions. Although sprints can be done with any cardio exercise, I’m going to focus on one you’re probably familiar with - running. There are a number of variables to consider in sprint training and I’ll go into specifics a little later, but first the benefits. Sprinting is a whole body exercise that repeatedly raises your heart rate, and works your legs, glutes, abs and back. It’s an advanced technique but if you’re willing to be patient and carefully add it into your schedule, it’s a great way to get an intense workout in very little time. The high impact nature of sprinting increases bone density, as well as tendon and muscle strength around joints. This is all good for helping you avoid injury. Sprinting teaches the legs to move faster. This can help any athlete in sports that utilize explosive power. If you’re already a runner, this is especially helpful at the end of a race for that final finishing kick. It is also good for people engaging in everyday activities; think about dashing after a child who has wandered into the street, or chasing a dog who has escaped the fence. Sprinting aids fat loss. Studies show that the body burns more calories during the hours after sprinting than steady state moderate

cardio exercise that keeps your effort in the so-called “fat burning zone.” This is called EPOC or Excess PostExercise Oxygen Consumption. During sprinting, hormones and enzymes spike that help the body use fat for fuel. Even athletes, such as bodybuilders and wrestlers, who don’t run as part of their sport use sprints to keep body fat down and increase explosive power, muscle strength, and growth. Sprinting is surprisingly beneficial for endurance athletes. When my trainer said I needed to start doing sprints, I thought he was crazy. After all, I’m a medium distance runner with 5k (3.1 miles) being the race I usually run. But I found that he was totally right. My time improved quickly during the first season of working with sprints, and is still improving. The body learns to store and use oxygen more effectively. Running efficiency is improved and VO2 max is increased. There are some cautions to keep in mind about sprinting. Always warm up properly before starting your sprints. You are more liable to injure yourself when doing a high intensity workout using cold muscles. In fact, it takes me so long to warm up and I get cold so easily, I won’t even attempt to do sprints outdoors on cold days. I learned this the hard way when I pulled a hamstring doing hill sprints on a chilly morning in the park. A major consideration is your speed. If you’re new to sprinting, start off slower than your maximum effort. Going at 100% in training is not necessary or even ideal. If you go too fast when you sprint, you are more likely to pull a muscle. It takes time to heal and can be frustrating for anyone. Experience will help here. There are a number of ways to add sprints into your weekly workouts. Try starting with 1 sprint session a week

and see how you respond to the effort and the recovery. Don’t do sprints every day. Just like a traditional strength workout, your body needs recovery time between workouts, at least a full day. Start with 3 to 4 short repetitions, 8 to 10 seconds, of speed interspersed with recovery. Only increase the number of sprints after a week or two. Don’t overdo it at the beginning, or you may risk burnout or injury. If you’re glancing at your watch toward the end of the interval, you’re probably on target for maximum time spent at speed. Give yourself plenty of recovery time between sprints. You can walk as long as 2 or 3 minutes between sprints, depending on how long or fast you go. If you’re looking to progress, there are a number of ways to increase difficulty. Make your sprint intervals longer, make your recovery time shorter, run faster, run up hills or do more interval reps. Just don’t change them up all at once. Pick one thing to change and after a week, change one more thing. Finally, as with any exercise program, you should first exercise good judgment and check with your health care provider to make sure that sprinting isn’t contraindicated for some medical or health reason. And then proceed with care. This is not for beginners. But for advanced athletes, the benefits will be worth the effort.

It is health that is real wealth and not pieces of gold and silver. ~Mahatma Gandhi The Ladera Ranch News

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January 10, 2014

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Local Dentist Dr. Michael Tessier Discusses beautiful, Quick and Easy Solution for unsightly black Fillings Over the past thirtyfive years in the dental field, one of the most significant changes I’ve seen is the appearance of people’s Dr. Michael Tessier back teeth. We usually talk about front teeth when talking about cosmetic dentistry, but the appearance of the back teeth is also significant. I remember when I started in dentistry looking at mouths full of black fillings. I seldom see that anymore today, particularly in Southern Orange County where my practice is located. As an example, several years ago, there was a trailer for a Goldie Hawn movie in which this lovely actress threw her head back and laughed loudly, displaying a mouthful of silver/mercury amalgam fillings, which had turned black. Hardly consistent with the rest of her Hollywood visage. When silver fillings get old, they corrode- effectively rust- and it’s this silver oxide that turns black. And, that blackening is so pervasive that it often turns the whole tooth very dark. Last week the checker at

the supermarket had mostly clean, white teeth, except for the two lower left molars with very large mercury/ silver amalgam fillings. They’d probably been in her mouth for twenty years, and while they could have been clinically sound, she probably did not realize how they affected her appearance. By removing and replacing that black filling with a tooth-colored plastic restoration, or a toothcolored porcelain filling (lasts longer than plastic), or, in the case where removing the filling would leave the remaining tooth structure too weakened, a tooth-colored crown (or cap), the tooth could be returned to its normal, unremarkable appearance. Given the law of unintended consequences and the first rule of medicine-“Do no harm”-we avoid doing dental work that isn’t absolutely necessary. But a procedure like that is relatively non-invasive, and the effect is both dramatic and beautiful. Worth thinking about. If you have any questions about any things dental, please call my office (949-459-7212) to make a complimentary consultation appointment. The office address is 28562 Oso Pkwy at the intersection of Oso and Antonio Parkways in Rancho Santa Margarita.

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New year, new you, new boat: Insider tips for shopping a local boat show A new year means new resolutions. Maybe your resolution is looking to spend more quality time with family and friends? Learn something new? Spend more time outdoors or being active? This is the year to follow through on that resolution and discover boating - an activity that can accomplish all of the above. Boating counts more than 88 million Americans getting on board each year and not only creates priceless memories with loved ones, it helps kids and adults disconnect from technology and reconnect on the water. In fact, more than half of Americans say getting out on a boat is one of the best ways to bond with

family, according to a 2012 survey by Discover Boating and Kelton Research. If boating is on your radar, getting started can be easy. Ring in 2014 by shopping a local boat show to learn more about what, when, where and how to fish, sail, wakeboard, ride personal watercraft, cruise and more. Throughout the winter and spring, hundreds of boat shows are held around the country and they provide a taste of the boating lifestyle, deals on boats for every budget, and an opportunity to compare boat brands side-by-side. Boat shows are a buying environment with hundreds of new-

year models at special show pricing. It’s simple to find a show nearby with the Boat Show Finder, which locates shows within a 200-mile radius. Once you locate the nearest boat show, use these insider tips to get the most out of your experience. * Find your virtual dreamboat. Before visiting a boat show, you’ll want to know which boats to shop. Start your search online with DiscoverBoating. com’s Boat Selector to identify which boat types fit your lifestyle, interests and budget. Plug in your preferences for on-water activities, number of passengers, boat length, price range, and propulsion to narrow down boat options before leaving home. * Make the most of show pricing. It helps to know what fits in your budget before shopping a show. Use this boat loan calculator to estimate monthly payments, which can be as low as $250 a month or less. Since one of the best times to buy a boat is at a boat show, exhibitors generally offer special show pricing and other incentives during the winter season. * Learn the ropes. Boat shows provide opportunities for beginners to learn about getting on the water, and experienced captains to hone their skills. Look for shows offering interactive workshops and seminars, including knot-tying, DIY boat maintenance, and docking. It’s not

only fun to learn new skills, but smart to take advantage of the onsite training boat shows offer usually at little to no cost. * Bring the whole family. More than a shopper’s paradise, there’s fun to be had by everyone. Boat shows often offer free activities to keep the kids entertained, including fishing, paddlesports, sailing simulators and more. Plus, it helps to make boat buying a family decision, keeping in mind which activities will appeal most to the kids and the adults. -* Look for the seal of approval. When shopping for a boat at a show, online or at a dealership, always check to make sure it is certified by the National Marine Manufacturers Association. An “NMMA Certified” seal means a boat has met strict industry standards for safety and construction and federal regulations, ensuring the best quality to the buyer. Look for the NMMA certified sticker near the helm and find a full list of certified boat manufacturers at DiscoverBoating.com. This year, keep that new year resolution to get on the water and have some fun. Whether in the market for a boat or just curious about the boating lifestyle, the first step toward keeping that resolution is to visit a local boat show this winter.

A resolution you can keep all year: The one-day identity checkup Exercise. Lose the weight. Answer every incoming email. Those are the hard kinds of New Year’s resolutions, because you have to think about them every day for the rest of the year. Many are forgotten long before Valentine’s Day. But here’s one important resolution, one you can fulfill today and easily keep all year: protect your identity. Identity theft is a fast-growing crime, but there are ways to reduce your chances of being a victim. The identity theft protection experts at LifeLock recommend doing these five quick things today to help keep your identity safer all year long: Use safe passwords Are you among the people who use simple passwords like “123456” or “qwerty” or “abc123” to protect your personal information? Or even the word “password” itself? Many people do, so identity thieves can often break in just by trying the most popular passwords. To create a safer password, avoid using words that are in the dictionary. And stay away from your own personal information, like a nickname, pet’s name or birthdate. One option is to come up with a memorable phrase that includes numbers and symbols, and use the first letter of each word. “My Tigers are Number One in

Football!” might become “MTaN1iF!” - a good example because it uses capital letters, lower-case letters, a number and a symbol. Use multiple passwords Stop using the same password for every account. Several big companies and websites have recently had their users’ personal information stolen by hackers. If your password for one site is compromised, and you use the same password for your bank and credit accounts, it’s much easier for a thief to get into all of them. At least have a different password for each account that has personal or financial information. And consider using a password-management program, which lets you set more cryptic passwords for each site you visit and control them with one master password. Stash that Social Security card Do you carry your Social Security card in your purse or wallet? Don’t. You may, on a rare occasion, need to show a Social Security card to an employer or a government agency. Aside from those days, keep it locked up in a safe place. Your Social Security number is a thief’s ticket to everything from opening new accounts in your name to stealing your tax refund. Don’t run the risk of losing it.

Protect your mail Do your bank statements, credit card bills and utility invoices arrive by mail? If your mailbox is outside your house, thieves can take those bills and collect personal information that helps them steal your identity. And once those documents are in your house and no longer needed, they can be stolen from a trash can or recycling bin. First, if your mail is delivered outside your home, install a locked mailbox. And use a shredder, or the shredding services offered by local shipping stores and some credit unions, to destroy documents once they’re no longer needed. But you can also take steps to keep that paperwork from ever arriving at your home in the first place. Have bills sent to you electronically; you’ll get them by email, save paper, reduce clutter and never have to worry about stolen mail or shredding. Opt out of credit card and insurance offers by visiting www.optoutprescreen.com. And dramatically reduce the amount of unsolicited mail you receive by opting out of junk mail at www. dmachoice.org.

Be prepared for a loss If your wallet or purse is stolen, you’ll want to cancel all of your credit and debit cards before they can be misused. Keep a copy of each of your cards, or use a digital wallet program like LifeLock Wallet, which is available for your smartphone from the iOS and Android app stores. It gives you instant access to copies of your cards and also helps you track your balances, monitor transactions and cancel cards that are lost or stolen. Do these things today and you can proudly declare that you’ll keep at least one New Year’s resolution all year long: Protecting your identity. You can learn more about identity theft, and ways to keep you and your family safe, from the Federal Trade Commission at www.consumer. ftc.gov and from LifeLock at www. LifeLock.com/education.

The Ladera Ranch News

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The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

January 10, 2014

The Ladera Ranch News

3rd Annual St. John’s Golf Tournament On December 6, 2013, 110 golfers took the greens for the 3rd Annual St. John’s Episcopal School Golf Tournament at the beautiful 18-hole Tijeras Creek Golf Course in Rancho Santa Margarita. Three St. John’s dads, Gordon Clemons (Ladera Ranch), Matt Miller (Ladera Ranch), and Mike Yurkovich (Coto de Caza), graciously coordinated the event. The tournament kicked off with a four-man shotgun start at 10:30 a.m. Players enjoyed on-course

challenges including hole-in-one shots off the 7th and 16th tees for a chance to win a Ford and Mercedes. Eight lucky golfers had a chance to take a $100,000.00 and $1,000,000.00 shot. Although no one won, there sure were some close shots! After the tournament, golfers, families, and friends alike excitedly watched the Helicopter Ball Drop, hoping that one of their numbered golf balls would land closest to the pin

on the 10th hole. Tamorah HoffmanWeiss was the lucky winner and walked away with $2,500.00! The evening culminated with the Dinner Reception, which hosted 145 guests, and included dining, an awards ceremony, a raffle, and dancing. Jon Dennis, Jamie Speirs, Peter Elia, and Bob Weaver were the overall tournament winners and each took home fine bottles of wine. All in all the tournament was a great success and raised close to $20,000

for St. John’s. Proceeds from the tournament will go towards funding St. John’s programs, including the new STEAM program. St. John’s STEAM program is scheduled to launch in early 2014, at which point St. John’s will become the first STEAM certified school in Southern California. For more information on St. John’s and the upcoming STEAM program visit www.stjohns-es.org/ steam.

Event co-chairs Matt Miller and Gordon Clemons looking sharp before St. John’s parents Meko and Randy Price and Stephanie and Michael Yurkovich stop for a photo with Head of School Michael Pratt and the 3rd Annual St. John’s Golf Tournament. Chancellor Jim Lusby before hitting fairway in their “formal uniform”

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January 10, 2014

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The Ladera Ranch News

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January 10, 2014

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The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

The Ladera Ranch News

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

The Ladera Ranch News

January 10, 2014

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January 10, 2014

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

High School Prom Night for 2013 Ducks Casino Night Raises Funds for Foster Children

The Ladera Ranch News

Kelly Bennett with Ducks players

photos were taken by Ann Chatillon! With the theme, “High School Prom” for the 2013 Anaheim Ducks Casino Night, you can bet a sea of tuxedos and prom dresses from various decades were there. Around 475 guests joined the Anaheim Ducks for their annual event to benefit Orangewood Children’s Foundation in support of local foster kids. With food, entertainment, opportunity prizes, dancing and even a Prom King and Queen, what made this night special was the event was held in the gymnasium of Servite High School in Anaheim giving it that nostalgic feel. This event gave fans of all ages the opportunity to get up close to their favorite Ducks players. All the players were dressed in light grey tuxedos, black bow ties and ruffled tuxedo shirts in various pastel shades as they mingled with the crowd and rotated as dealers at the gaming tables. The event committee was led by Orangewood’s 44 Women for Children auxiliary member Kimberly Kirksey and the title sponsor was The Klein Family. The highlight of the evening was the crowning of prom king and queen Ducks player Corey Perry and Kimberly Kirksey, who were voted on by attendees. Ducks head coach Bruce Boudreau with Michelle Hatch and Dennis Guests enjoyed spiked punch which was made up of Moscato, Smirnoff Raspberry Vodka, lemon juice and club soda as well as various buffet stations, Kuhl (Chairman of the Angels) and desserts including mini PB&J cupcakes, homemade pop-tarts, and mini s’mores pies. A VIP area, or rather the “Varsity Club,” was set up for sponsors.Around the main floor guests were able to nosh on a variety of items throughout the night.The yummy delights were all catered by Fork in the Road Catering. The band, NeOn NaTiOn, got the crowd out on the dance floor, dancing to mostly 80’s cover tunes. There were Vegas-style games of Blackjack, Craps and Roulette – all presented by San Manuel Indian Bingo & Casino with Anaheim Ducks players rotating as dealers. An extensive variety of silent auction items were available for bidding. Guests could also purchase tickets for five opportunity prizes. Winners were Kim Whitsitt of Newport Beach who won a $500 South Coast Plaza Shopping Spree; a 39” LED Vizio TV was won by Carlos Leija (Orangewood Chief Development Officer); Four (4) Tickets to the Anaheim Ducks vs. Los Angeles Kings Outdoor Game at Dodger Stadium plus Hospitality was won by Allyson Senter and Pattie Hinkson took home the Anaheim Ducks custom Pedego Electric Bike. In the crowd were Ducks owners and long-time Orangewood supporters, Prom king and queen; Ducks Henry and Susan Samueli (Susan is founding chair of the Orangewood’s 44 Title sponsors Bill and Jenny player Corey Perry and 44 Women Women for Children auxiliary and also an Orangewood board member); Ducks Klein event chair Kimberly Kirksey. players including Team Captain Ryan Getzlaf, NHL 2012 All-Star Corey Perry, Cam Fowler, and goalie Jonas Hiller; Ducks Head Coach Bruce Boudreau; title sponsors Jenny and Bill Klein; Kelly and Jim Mazzo; Angels Chairman Dennis Kuhl; Orangewood board chairman Bruce Fetter and wife Lynn; past 44 Women board chairs Lupe Erwin and Kelly Bozza; Orangewood CEO Chris Simonsen; and Orangewood board members Joel Goldhirsh (and wife Karen), Stuart Bernstein (and wife Katie), Casey Journigan (and wife Cindy), and Sandi Jackson. Founded in 1981, Orangewood Children’s Foundation is one of the leading providers of services to current and former foster youth. Their mission is to provide life-changing prevention and intervention programs for abused and neglected children, young adults and at-risk families through one-on-one support and community partnerships to end the cycle of child abuse. Last year, they helped over 1,500 children and teens with programs that prepare them to make a successful transition from the foster care system to independent adulthood. Their programs focus on education, employment, housing, life skills and basic needs. Without the Foundation’s support and guidance, these children can become homeless, unemployed or incarcerated. For more Ducks owners Susan and Henry Samueli with team captain Ryan information please visit www.OrangewoodFoundation.org. Getzlaf Page 12

The Ladera Ranch News

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

January 10, 2014

Join us for

BRUNCH SATURDAYS 11AM | SUNDAYS 10:30AM Bottle of Sparkling Wine with Four Juice Mixers [25]

Mango-Mosa [8] Mimosa [7] Chandon Champagne Split [10]

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honey cinnamon butter / real maple syrup / applewood smoked bacon / grilled potatoes

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fresh eggs / sharp cheddar & pepper jack cheeses / juicy tomato / tangy salsa / green onion / ripe avocado / grilled potatoes

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honey cinnamon butter / real maple syrup / applewood smoked bacon / grilled potatoes

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brown sugar-infused pork chop / fresh eggs / grilled potatoes / ginger-candied apples REGULAR MENU ALSO AVAILABLE

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SUNDAY BRUNCH 10AM to 2PM

Take a journey to wine country in the heart of Newport Beach. Experience full wine tastings, wine by the glass, or by the bottle in our family-owned, urban winery. Sample award-winning wines ranging from luscious sparkling, complex whites, to rich, bold reds. Whether you’re a novice or an aficionado, our highly trained staff will guide and educate you. Enjoy savory tapas, artisan cheese platters, and gourmet flatbread creations made to pair perfectly with our wines. Open Thursday and Friday 4-9 pm, Saturday 12-9 pm, and Sunday 12-8 pm. Catch the Wine Wave!

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www.orangecoastwinery.com 869 W. 16th St. Newport Beach, CA 92663 The Ladera Ranch News

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The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

January 10, 2014

The Ladera Ranch News

Les Ballets de Monte-Carlo Returns to Segerstrom Center Segerstrom Center for the Arts welcomes the return of Les Ballets de Monte-Carlo March 7 – 9, 2014 under the Presidency of H.R.H. the Princess of Hanover. The company will perform the American premiere of LAC, a new and brilliantly re-imagined telling of the Swan Lake story by Jean-Christophe Maillot, the company’s choreographer and director. Tickets for Les Ballets de Monte-Carlo start at $35 and will go on sale Sunday, January 12 at 10 a.m. PST. Tickets will be available online at SCFTA. org, at the Box Office at 600 Town Center Drive in Costa Mesa or by calling (714) 556-2787. For inquiries about group ticket savings for 10 or more, call the Group Services office at (714) 755-0236. The TTY number is (714) 556-2746. Free Preview Talks will occur one hour prior to each performance. Artists and program are subject to change. Les Ballets de Monte-Carlo was reestablished in the Principality in 1985 through the commitment of H.R.H. the Princess of Hanover in accordance with the wishes of H.S.H Princess Grace of Monaco. The company was initially managed by Ghislaine Thesmar and Pierre Lacotte, then by Jean-Yves Esqerre. In 1993, H.R.H. the Princess of Hanover appointed Jean-Christophe Maillot as the head of the company. Segerstrom Center for the Arts is unique as both an acclaimed arts institution and as a multi-disciplinary cultural campus. It is committed to supporting artistic excellence on all of its stages, offering unsurpassed experiences, and engaging the entire community in new and exciting ways through the unique power of live performance and a diverse array of inspiring programs. Segerstrom Center for the Arts is also proud to serve as the artistic home to three of the region’s major performing arts organizations: Pacific Symphony, the Philharmonic Society of Orange County and the Pacific Chorale, who contribute

greatly to the artistic life of the region with annual seasons at Segerstrom Center for the Arts. March 7 – 9, 2014 Friday at 7:30 p.m. Saturday at 2 and 7:30 p.m. Sunday at 2 p.m. Program: LAC (American Premiere) Jean-Christophe Maillot, choreographer-director under the Presidency of H.R.H. the Princess of Hanover Music by Pyotr Ilyich Tchaikovsky with additional music by Bertrand Maillot. Costume design by Philippe Guillotel Free Preview Talks will occur one hour prior to each performance. Segerstrom Center for the Arts – Segerstrom Hall

600 Town Center Drive, Costa Mesa, CA Tickets - Start at $35; tickets go on sale January 12 In person - The Box Office 600 Town Center Drive Costa Mesa, CA 92626 Open 10 a.m. – 6 p.m. daily Online - SCFTA.org Phone - (714) 556-2787 Open 10 a.m. – 6 p.m. daily TTY number - (714) 556-2746 Group Sales - (714) 755-0236 Information provided is accurate at the time of printing, but is subject to change. Segerstrom Center for the Arts is a private, non-profit organization. “Segerstrom Center for the Arts” is a registered trademark.

How to stick to your New Year’s resolutions all year long With the holidays past and a new year upon us, now is the time for Americans to focus on their 2014 resolutions. And while fitness goals often top the list of New Year’s resolutions, diet and exercise aren’t the only ways to get back into shape. This year, do yourself and your loved ones a favor by getting financially fit as well. Although most Americans intend to become financially savvy in the new year, only a small fraction fully commit to their financial success. According to a 2012 study from University of Scranton, 34 percent of Americans established financial resolutions goals, but only 8 percent

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were successful in achieving them. Luckily, 2014 is a new year, which means new opportunity to focus on and work toward your financial aspirations. To help stay financially fit in 2014 and beyond, here are a few tips: * Be specific with your resolutions: Once you know exactly what you’re saving for, arm yourself with the right savings tools to achieve your goals. Capital One 360’s My Savings Goals enables you to name your goals and track them throughout the year, if you have a specific deadline or certain budget you want to meet. You’ll even get alerts as you reach milestones along the way.

The Ladera Ranch News

* Save regularly by setting up automatic transfers: Start the new year off with an aim to save. One of the easiest ways to save is to have funds automatically moved to your account every month or with every paycheck. With an automatic savings plan, you can set it and forget it. * Maximize retirement savings: If you have a 401(k), max out your contributions (and your employer match, if you have one) to gain full benefits for the tax year. Also, while you’re permitted to make IRA contributions through the tax filing deadline, contributing now may provide additional tax-deferred growth potential. * Give your portfolio a tune-up: Take a look at the investments you have and make sure you’re maintaining a well-balanced, diversified portfolio that aligns with your risk tolerance and goals. If you’re just getting started, an online investing tool can help you assess your investing style and risk profile, and set up a personalized portfolio and investing plan that works for you. * Create an emergency fund: To minimize debt and financial penalties resulting from having to pay off unexpected expenses, create an

emergency fund. Allocate some of this year’s holiday budget, yearend bonus and/or tax return to an interest-earning, FDIC-insured savings account. You can also set up automatic contributions to build your savings. A good rule of thumb is to maintain six months’ worth of expenses in your savings, just in case. * Look for responsible ways to establish credit:-Remember that a credit card doesn’t equal free money. Start with a low-limit credit card that offers points and/or rewards and pay your monthly balance in full and on time. Late fees add up quickly and hurt your credit score.- And, set up alerts to help you track your spending and to help you pay your bill on time. The winter season can be a stressful time financially, but if you plan ahead and stick to your financial goals, there’s no reason you can’t enjoy financial success in the new year and for years to come. To find additional financial tips as well as information on Capital O n e ’s f i n a n c i a l e d u c a t i o n a l programs, visit www.capitalone. com/financialeducation or @ TeachingMoney on Twitter.

The Ladera Ranch News

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

January 10, 2014

LADERA RANCH NEWS R est aurant Antonucci’s Restaurant Serving authentic Italian seafood and award-winning pizza since 1976 with exciting appetizers and a full bar and live entertainment on Saturday evening.

24190 Alicia Parkway Mission Viejo. 949-472-4332 Cinnamon Productions Bakery Café

Breakfast can be delightfully decadent with sugary cinnamon rolls like grandma used to make or lighter eggs and toast or scones. Some interesting sandwich possibilities and strong hot coffee OPEN Sunday/Monday 6:30am to 4:00pm Tuesday, Wednesday, Thursday 6:00am to 8:00pm

25672 Crown Valley Pkwy. 949-218-1515 Claim Jumper Monster salad bar, great steaks, full bar with a wide selection of beers and wines to choose from.

27845 Santa Margarita Pkwy, Mission Viejo 461.7170 Cosmo’s Italian Kitchen Owners Bob Quinn and Dick Fisher celebrate their 5th anniversary with special dinners Monday, Wednesday and Sunday. Open 11am Monday to Friday.

28562 Oso Pkwy 949.216.9029 Diho Siam Authentic Thai and Chinese food at affordable prices. Many varieties of Thai and Chinese delicacies. Chicken, Beef, Pork, Tofu and Vegetarian! Barbecue Chicken, Crispy Duck, Beef w/Oyster Sauce. Spicy Cat Fish. Hours: Open daily from 11am to 9pm; Sat. & Sun. until 9:30pm.

27702 Crown Valley Pkwy E-3 365-8777 Don Gustavo’s Authentic Mexican Food with homestyle flavor, menu items include Chile Relleno, Carnitas, Fajitas, Eggs Machaca, Chimicangas, Veggie Burrito, Fish Tacos, Shrimp Enchiladas, Taco Salad. Margaritas, Tequilas y Mas! Plus catering at your home or office. Open for lunch & dinner 7 days a week, plus Weekend Breakfast. Located at Oso/ Marguerite in the Pavillion’s Shopping center,

26012 Marguerite Pkwy #A, Mission Viejo 348.2386

Jerry’s Wood Fired Dogs

Breakfast served daily from 8am to 11am Smokey Joe Croissants, Sausage, Eggs, Bacon.Try their hot link Breakfast Burrito, for lunch the wood fired dogs have all best flavors, tastes and toppings.

1701 Corporate Drive, Ladera Ranch (949) 364-7080 Jalapeno’s Restaurant Open for breakfast, lunch & dinner. Authentic Mexican food including Chili Verde, Omelettes, Huevos Rancheros, Tostadas, Carne Asada, Menudo, traditional burritos including Beef, Chicken, Fish, Beans (Vegetarian), Chile Rellenos, Taquitos, Enchiladas. Imported and domestic beers.

27602 Antonio Pkwy, 364-5614

The Ranch Sports Grill All Laker games, NHL, Fox Soccer and all Top Games. Taco Tuesdays, Slider Wednesdays, Taste of Italy Thursdays, DJ Friday nights. Happy Hour 11am to 6pm Mon.- Fri.

27412 Antonio Pkwy. 429-7737 Selma’s Chicago Pizzeria & Tap Room Selma’s serves 6 different styles of pizzas: Deep Dish, Chicago Pie, Low Profile, Artisan, Artisan Wheat, and Gluten Free. Plus great pastas, gourmet salads, Panini sandwiches, appetizers, desserts, and one of the largest selections of beers & wine in the area.Selmas’ offers full service or drop and go Catering.

G u id e Restaurant Reviews Wanted!

Have you dined out recently in Ladera Ranch? The Ladera Ranch News would like your opinion and we are actively looking for more reviews of local area restaurants that are NOT already listed on this page. Please make it brief and informative with 50 words or less. Reviews must include your name, phone or email address (please do not send reviews on fast food or strictly pizza places). Please send your Restaurant Review to newseditorials@yahoo.com

27702 Crown Valley Pkwy, Ladera Ranch. (949) 388-7260

Latte Da Bagelry & Grill Breakfast, Lunch and Dinner served all day. Fifteen different types of bagels made daily. Salads, burgers, plus Italian specialties like Chicken Alfredo. opens at 6am daily; closes at 9pm Monday through Saturday, open until 4pm on Sunday.

21612 Plano Trabuco Road at Santa Margarita Parkway in the Albertson’s Center in Rancho Santa Margarita. 949-589-6405 O’Neill’s Bar & Grill at the Arroyo Trabuco Golf Club. Sunday Brunch at O’Neill’s is a delicious and leisurely experience. Zagat calls it the “best value in Orange County.” Daily specials include fresh fish, steaks, pizza and hearty sandwiches.

26772 Avery Pkwy, Mission Viejo. 949-305-5100 Peppino’s Newly remodeled restaurant on the Lake, expanded the dining area, full service bar, waiting lounge and a front dining patio. The rear-dining terrace offers a beautiful view of Lake Mission Viejo. Happy Hour daily from 3:00 to 7:00 pm.

Simply Fondue Fabulous fondues composed of delicious meats, cheeses, breads, fruits and vegetables with steaming savory sauces. Worth the short trip to

31761 Camino Capistrano, San Juan Capistrano 949.240.0300

Trabuco Oaks Steakhouse Forty years serving choice meats and seafood. Home of the famous “2-pound steak.” Relax while you sip one of our sumptuous wines or cocktails or a frosty beer. Everyone welcome - straight from work or off the trail or dressed for a night out. OPEN: Sun.-Thurs. 5pm to 9pm; Fri. and Sat. 5pm to 9:30pm. Please call after 2pm for reservations.

949-586-0722

27780 Vista del Lago, Mission Viejo 859.9556 P.F. Changs China Bistro Superb Shanghai Street Noodles, available in few places on the globe, make the trip to Mission Viejo Mall a veritable necessity.

800 The Shops at Mission Viejo, Ruby Rosensteel, 364-6661

The Ladera Ranch News

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The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

January 10, 2014

The Ladera Ranch News

Ladera Ranch Birth Announcement The Ladera Ranch News is Happy to Announce the Birth of Your Newborn Baby’s Name _________________________ Date of Birth__________________________ Weight ______________________________

SUNDAY: BIBLE STUDY & IGLESIA DE CRISTO 9:30am

Length ______________________________ Parents _____________________________ ____________________________________

Marguerite Christian School Serving our community with quality preschool education in a Christian environment. Ages 3-6. Director Susan Johnston 949-582-5856

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10 simple ways to instantly improve your finances in 2014 Do you wonder how you could better manage finances? You’re not alone. When it comes to money, most people are far from perfect. Whether you make $20,000 a year or $200,000, some simple steps can start you on the right financial path, and some of them only take a few minutes to complete. “Personal finance is an intimidating topic, especially if you’ve made mistakes in the past,” says Michael McAuliffe, an adjunct instructor at Morton College and president of the nonprofit Family Credit Management. “But everyone has the opportunity to start fresh and make improvements. Your past missteps don’t have to dictate your financial future if you resolve to be proactive today.” McAuliffe recently co-authored a financial workbook titled “Personal Finance Made Easy.” Thanks to a grant from State Farm, the workbook can be downloaded for free at www. familycredit.org, or you can request a hard copy be mailed to you free of charge. You can use the workbook alone or pair with the free online video lessons. Topics covered include money management, savings, investing and more. McAuliffe suggests 10 simple ways for you to start improving your finances immediately: Page 16

1. Stop, think, save - When out shopping, don’t mindlessly pile things in the cart. Take a moment to stop, think what you really need, and save by not buying extras. Cutting unnecessary spending is easy when you make a habit of briefly pausing to analyze what you really need. 2. Cut 5 percent - If your employer cut your paycheck by 5 percent, you’d be unhappy, but you’d still be able to survive. Why not make that cut now? Reduce the extras like your daily latte or weekly visit to the salon and the savings will mount quickly. 3. Save - Every little bit counts when it comes to savings. If you save just $5 a day - the cost of a fast food lunch - you’ll have $1,800 in a year. It’s OK to start slow and build momentum. The ultimate goal should be to save at least 10 percent of your net income (income after taxes and other deductions). 4. Budget - It sounds simple, but most people don’t have a solid budget. Create a spending plan now and stick to it. List all expenses and see where adjustments can be made. Refer back to your budget regularly to stay on track. 5. Keep multiple savings accounts - The less accessible your money is, the easier it is to reduce spending. Keep multiple savings accounts

The Ladera Ranch News

and pay yourself first. One savings account could be designated for an emergency fund, another for a new car or a future vacation. 6. Make it visual - Discourage overspending by reminding yourself why you are trying to save. A photo of your vacation destination, for example, illustrates what you’re saving for; put it everywhere you spend money - wallet, computer monitor, vehicle, etc. 7. Make your money work for you - Consistent contributions add up over time, and thanks to the power of compound interest, the longer you leave your money untouched in a savings account or other investment, the more it can grow. 8. Home savings - If you own a home, you know it can cost a lot of money. Cut costs by doing home improvements and maintenance jobs yourself rather than hire out. Call your insurance agent and see if there is a lower rate for homeowner’s insurance. Check into refinancing while rates are still low. 9. Manage checking accounts - You need a checking account, but are you really keeping track of your money? Online banking makes it easier than ever to balance your checkbook, track your spending and set up alerts when your balance goes under a certain

amount. 10. Review your credit report From mortgages and car loans to employment and renting eligibility, your credit report and score affect many aspects of life. You can review your credit report for free annually by going to www.annualcreditreport. com. Make sure you know what’s on it and make corrections as necessary. For more practical financial tips, visit www.familycredit.org and order your free “Personal Finance Made Easy” workbook. In addition to partnering with State Farm on this project, FCM received grants from Bank of America, Barclays Bank and AICCCA (Association of Independent Consumer Credit Counseling Agencies.)

The Ladera Ranch News

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

Estate art sale COLLECTION of Original Paintings amd signed Lithographs by artists Chagall, Dali, Alvar, Rothe, Sassone, Borg, Paul Blaine Henri, Chemiakin and Skelton. Market Value $90,000, will sell entire collection for $60,000. Pictures on request. Call 949-855-0233. TUTOR3

HOME SERVICES C U S T O M W O O D S TA I N I N G / REFINISHING. Time To Update Your Stairs Or Cabinets. Add Value and Beauty To Your Home. Stain Matching, Refinishing, Lacquering, Glazing and Varnishing. Local References Available. 714-299-5202 SILVER CREEK LANDSCAPING – 25% Off - Call for Details – 949-753-0663 or EXPERIENCED Math Tutor in RSM! Visit Us @ www.silvercreeknurseryinc. Retired Math Teacher Tutoring Elementary com through College Algebra. Call 949-521RYAN’S Hauling Service, demolition, 2526 trash pick-up, garage clean up. No job too small. Also handyman/odd jobs 949MUSIC 293-5691 MUSIC LESSONS OCMusic Center located in RSM at Empressa & Aventura. STABLES WWW.OCMUSICCENTER.COM Call Maxwell Stables in Coto, stalls available 949-858-0900 12x24 covered stalls, feed & clean twice daily. 949-858-9700 or 636-3458 EMPLOYMENT Display Advertising Sales Representatives. Open house Experienced ad sales representatives to SAT & SUN 11-2 $799, 999. 4 BR/ 3.5 sell ads for South Orange County’s top baths. View, Remodeled. 15 Dartmouth 5 weekly newspapers. Weekly draw Lane, Coto de Caza. 949-292-3800. against commissions, benefits, protected BevDauman@gmail.com Owner/Broker. accounts. Experienced only, no trainees. BRE 01215397 Fax resume in confidence to 949-5896429

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January 10, 2014

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January 10, 2014

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

The Ladera Ranch News

AFTER CHRISTMAS SALE! F aboulous Holiday F ashions for New Years. Hurry to R omano’s for This Special Store W ide Sale.

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Romano’s slashes prices on SOME AS selected items of Couture LOW AS Bridal, Flower Girls, Quinceaeras, Sweet Sixteen, Bridesmaids, Special Occasion Gowns, Military Ball Gowns, Mother of the Bride, Pageant, Lingerie, Formal Evening, Graduation, Home Coming, Shoes and beautiful Bridal Accessories.

RANCHO SANTA MARGARITAS LATEST, GREATEST BABY FSHIONS AT TERRIFIC PRICES!

Romano’s Rancho Santa Margarita 949.589.1555 In the Antonio Plaza Shopping Center 22441 Antonio Pkwy Suite A-330 Page 18

The Ladera Ranch News

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

THE GRILL DUDES BBQ Cleaning and Restoration “IT JUST TASTES BETTER”

After before Complete de-greasing of the following components: 1. Hood & Control Knobs 2. Rotisserie Rack & Pull-out Tray 3. Burners & Catch Pan 4. Drip Pans, Ignitors, and Thermomoter Components deep-cleaned in our treatment bath: 1. Grill racks & Flavorizer bars 2. Heat Plates Inspection of the following parts: 1. Burners & Ignitors 2. Venturi Tubes & Pressure Regulator Unit polished after service completion!

January 10, 2014

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Page 19

The Ladera Ranch News

The Only Weekly Newspaper Exclusively for the Ladera Ranch Area

January 10, 2014

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The Ladera Ranch News

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