Jody Robinson

Jody Robinson

By the time my friend’s grandmother passed away at 92, she had fallen six times. Two of those falls resulted in broken bones - once, her hip. Horrifying, to find oneself in that position. Tripped up by your walker or the corner of a rug. Often, a wet bathroom or kitchen floor. She was in a home for five out of the six falls, and still, it took some time to respond, get her stabilized, diagnosed, and fully recovered. Falls, my friend and her family quickly learned, are the leading cause of injury related deaths in Americans aged 65 and older. She didn’t end up passing because of a slip up directly, but her bones certainly didn’t give her a pass either, in those last days.

walk in tub jets copy

Home Safety Advisor’s President Dave Riggle has a similar story, as do so many around the country. His mother passed from a fall in her bathroom, and was the direct impetus for his business beginnings. “None of us five kids had any idea she struggled, or we would have fixed it immediately. I have skin in this game - I don’t want anyone else to suffer like my mother did.” While other home improvement companies may include walk-in tubs as a part of their overall offerings, safe bathrooms are the entire focus and area of specialization for Dave and his team of professionals. So much so that Dave personally interviewed over 400 seniors about the difficulties they were experiencing in order to provide the best possible product to meet their needs.

While the business formally began in Indiana, the team at Home Safety Advisors expanded their operation into the Southern California market a year ago and are thrilled to have met with such a positive response and feedback to their scope of services. Many clients come to them via word-of-mouth. And it’s not hard to see why. Installing something that could literally mean the difference between serious injury or not is no small feat. And something that Dave’s team takes extremely seriously. All of their walk-in tubs and showers are made in the U.S.A., come with a lifetime warranty, are great for health and easy to clean. But perhaps a lesser known perk is the luxurious spa experience available in the privacy of your home.

walk in tub size 32 52 top view

“Their (occupational therapists) confidence in referring us speaks volumes about our capability and their trust in us,” says Dave. “This is rarely done in our industry, and certainly not by any big company.” The showers and baths are crafted right here in California, providing clients a spa-like experience with a side door. Once inside, just relax. Ergonomic faucets, a hand shower, and marine grade fiberglass combine to make your bathing experience relaxing, instead of stressful.

walkin tub water 33 55 angle

While most steps into a walk-in shower or bath are still 6-9” tall, Home Safety Advisors boast just a 2” threshold, low enough to greatly decrease - if not eliminate - your chances of spilling over the edge accidentally. Offering bench seats, grab bars, and shower wands, Dave can even customize the threshold or seat to fit the client specifically.

As Certified Aging-in-Place Specialists (CAPS), Dave and his team understand the unique needs of older adults and will do everything they can to provide their clients and their families with a sense of confidence and safety in their own home. “We don’t want any slip ups: from the initial consultation to our single-day installation; we’re here to walk you through the unique experience of finding solutions to carry out your aging-in-place modifications.”


HSA LOGO final 1

(949) 456-4717
www.HomeSafetyAdvisors.net

I don’t use the word “jewel” lightly, when it comes to California resort properties. It’s a hard word to capture with descriptions of tree-lined estates, or themed accommodations. And yet there are a few properties tucked away into the state boundaries that encapsulate the multi-faceted beauty of a cut gem. One of the most seductive is the Alisal Guest Ranch, which leans into the old west, like a charming cowboy tipping his hat: to history. To the future. The 10,000-acre property is just 30 minutes north of Santa Barbara, and boasts two golf courses, tennis courts, a pool, spa, and a spring-fed lake.

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A perfect diamond reveals unlimited dimensions, and can catch the fiery glow of even the lowest candlelight. It is illuminating, clarifying. Such are the endless ways to spend one’s time (alone, with your partner on a romantic getaway, as a family retreat) at the Ranch. California’s temperate year-round clime and a rotating offering of seasonal activities ensure that every visitor finds something to keep them entertained. Indeed, though the times have changed drastically in recent months, Alisal’s spirit of exploration and dedication to the finest service hasn’t wavered.

Outdoor Endeavors

A recreation center unto itself, the 100-acre spring fed Alisal Lake, filled with bass; trout; and bluegill, offers “catch-and-release” fishing. You can rent a boat or fish off the dock – our son caught his first fish here (a Bigmouth Bass) by casting from the dock. This sportsman’s paradise attracts bird watchers and water enthusiasts with Bass Boat Pro rentals, canoes, rowboats, peddle boats, kayaks and stand-up paddle boards.

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For those seeking to hit the links, Alisal showcases two 18-hole championship golf courses – the par 72, 6,500-yard Ranch Course and the par 72, 6,800-yard River Course with four lakes - provide impeccably manicured fairways and greens with spectacular views of the Santa Ynez River and nearby Santa Ynez Mountains. A full range of facilities and services are offered at both courses including a clubhouse, driving range, putting green and pro shop. Private and group lessons by PGA and LPGA professionals are also available.

A full-service Tennis Center with a well-equipped pro tennis shop is situated on a scenic area of the Ranch. Tennis buffs can choose from seven hard courts. Tennis professionals, one of whom is nationally ranked, offer both clinics and private lessons by appointment.

Visitors rarely leave the property during their stay and for good reason. Leaving at dawn, guests enjoy more than 50 miles of equestrian trails on horseback circling the magnificent hills and sycamore groves. Twice daily group rides, private rides and breakfast rides to the historic Adobe Camp (on horseback or in a wagon) round out a stay.

Frontier fare

Capturing the essence of California cuisine with the depth of flavor and heartiness of Western ranch cooking, Chef Anthony Endy (a Santa Ynez Valley native) serves up delicious culinary offerings from casual meals to fine dining dishes. Because Governor Newsom mandated special guidelines for dining at restaurants, guests can keep the outdoors theme going by dining al fresco (the Lake BBQs have been relocated to the Grassy Oval - an expansive green space surrounded by sycamore trees. All food can also be packaged for takeaway (think picnic lunch) or delivered to your room.

The Ranch Room, the resort’s signature restaurant, serves American and western style favorites. Guests enjoy a choice of a hearty a la carte American breakfast menu items that include Linguisa scrambled eggs over a Grilled Portobello Mushroom, savory Huevos Rancheros and the Alisal’s own Buttermilk Pancakes (which no surprise, were our kids’ favorite). A lavish Ranch Room breakfast buffet of Eggs Benedict and Corn Beef Hash is also served with freshly squeezed orange juice and homemade baked muffins, pastries and breads.

Dinner here is a formal affair (collared shirts and sportcoats are required for men over the age of 16) and “dinner dressy” for the ladies. Since opening the ranch in 1946, it’s been customary to “dress up” for dinner - and keeping the “country-formal” tradition alive is part of the property’s charm. Entree options include frontier-size portions of juicy barbecued steaks, tender prime rib of beef and the fresh catch of the day including swordfish, John Dory and Seabass. Specialty dishes such as Osso Bucco, Hickory Smoked Briskett and slow roasted Farm Raised Wild Boar are prepared with the freshest ingredients for the guests’ dining pleasure.

Not to be missed (and reservations highly recommended) is the horseback or Hay Wagon ride to the breakfast buffet at the Old Adobe Camp where the resort treats guests to a full ranch breakfast including buttermilk flapjacks, scramble eggs, bacon, sausage, ham and more. The highlight of the morning meal is the live entertainment in the form of a western crooner and a cowboy poet.

Accommodations

Alisal’s 73 pastoral suites and studios blends the charm of a gracious bygone era, decorated in authentic Western decor. Each guest unit, designed for maximum privacy and comfort, includes a wood-burning fireplace with complimentary firewood; high-beamed ceilings; Western art; refrigerator; coffee maker (coffee and tea supplied in rooms), and filtered water dispenser. In keeping with the resort’s timeless ambiance, there are no in-room televisions or telephones; however, complimentary wireless Internet is available throughout the ranch.

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With such close proximity to Los Angeles and Orange Counties, it is a wonder that such a treasure would remain as secluded and satisfying as it is. And yet there is something so pleasurable and refreshing in stepping away from the beaten path for a few stolen moments of luxury. Finding time with the family to create new traditions in the world of endless screens may seem impossible, but that’s just the beginning when you step away, and get back to what really matters. Some jewelers judge a gem by its “presence.” By that meter, Alisal Guest Ranch is a flawless cut above.

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Alisal Guest Ranch
1054 Alisal Road
Solvang
(800) 425-4725
www.alisal.com

By the time my friend’s grandmother passed away at 92, she had fallen six times. Two of those falls resulted in broken bones - once, her hip. Horrifying, to find oneself in that position. Tripped up by your walker or the corner of a rug. Often, a wet bathroom or kitchen floor. She was in a home for five out of the six falls, and still, it took some time to respond, get her stabilized, diagnosed, and fully recovered. Falls, my friend and her family quickly learned, are the leading cause of injury related deaths in Americans aged 65 and older. She didn’t end up passing because of a slip up directly, but her bones certainly didn’t give her a pass either, in those last days.

walk in tub jets copy

Home Safety Advisor’s President Dave Riggle has a similar story, as do so many around the country. His mother passed from a fall in her bathroom, and was the direct impetus for his business beginnings. “None of us five kids had any idea she struggled, or we would have fixed it immediately. I have skin in this game - I don’t want anyone else to suffer like my mother did.” While other home improvement companies may include walk-in tubs as a part of their overall offerings, safe bathrooms are the entire focus and area of specialization for Dave and his team of professionals. So much so that Dave personally interviewed over 400 seniors about the difficulties they were experiencing in order to provide the best possible product to meet their needs.

While the business formally began in Indiana, the team at Home Safety Advisors expanded their operation into the Southern California market a year ago and are thrilled to have met with such a positive response and feedback to their scope of services. Many clients come to them via word-of-mouth. And it’s not hard to see why. Installing something that could literally mean the difference between serious injury or not is no small feat. And something that Dave’s team takes extremely seriously. All of their walk-in tubs and showers are made in the U.S.A., come with a lifetime warranty, are great for health and easy to clean. But perhaps a lesser known perk is the luxurious spa experience available in the privacy of your home.

walk in tub size 32 52 top view

“Their (occupational therapists) confidence in referring us speaks volumes about our capability and their trust in us,” says Dave. “This is rarely done in our industry, and certainly not by any big company.” The showers and baths are crafted right here in California, providing clients a spa-like experience with a side door. Once inside, just relax. Ergonomic faucets, a hand shower, and marine grade fiberglass combine to make your bathing experience relaxing, instead of stressful.

walkin tub water 33 55 angle

While most steps into a walk-in shower or bath are still 6-9” tall, Home Safety Advisors boast just a 2” threshold, low enough to greatly decrease - if not eliminate - your chances of spilling over the edge accidentally. Offering bench seats, grab bars, and shower wands, Dave can even customize the threshold or seat to fit the client specifically.

As Certified Aging-in-Place Specialists (CAPS), Dave and his team understand the unique needs of older adults and will do everything they can to provide their clients and their families with a sense of confidence and safety in their own home. “We don’t want any slip ups: from the initial consultation to our single-day installation; we’re here to walk you through the unique experience of finding solutions to carry out your aging-in-place modifications.”


HSA LOGO final 1

(949) 456-4717
www.HomeSafetyAdvisors.net

Jul 30, 2020

Balboa Bay Resort

A Spectacular Summer Stay-cation Destination for Family Fun

The world has changed over the past few months. I’m sure, if you’re like me and most of my mom friends, you’ve already had to adjust, reschedule or even cancel some of your family’s much-anticipated travel plans during these unprecedented times of shelter-in-place, and safer-at-home.

Before we know it school will be back in session and our family didn’t want to let the entire summer fly by without some semblance of a “vacation.” We had our reservations about traveling too far away, but were definitely looking for a change of scenery. So when things started opening back up, we made a beeline for family fun at the Balboa Bay Resort in nearby Newport Beach.

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The resort features newly appointed guest rooms and suites, fresh, modern, contemporary furnishings and amenity-rich luxury including a full-service spa complete with nine treatment rooms and a premier blow-dry bar for moms who want a little extra pampering. The 24-hour fitness center and array of fun and energizing outdoor endeavors are designed to keep every member of the pack happily occupied. From the perfect pool day (think lounge chairs, daybeds, private cabanas and Pool Bar for drinks and lunch) to on-property recreation rentals including electric Duffy boats, kayaks, paddle boards and bikes, our family was able to create our own customized experience that combined the best of both - relaxation and recreation.

Bay View One Bedroom Suite

Upon arrival, we stocked up on snacks and beverages at Blend Cafe and boarded a Duffy boat for a meandering self-guided tour of the picturesque waterways of Newport Harbor. Dinner at the resort’s seafood-focused waterfront restaurant A&O Kitchen+Bar showcased expertly crafted cocktails, local brews and shareable plates for even the most discriminating palate (by that I mean there is something on the menu for every member of our family, including finicky eaters). I opted for a flavorful tuna poke, my husband went with a grilled-to-perfection signature burger made from grass-fed beef, caramelized onion and white cheddar on brioche and the kids both cleaned their plates of fish and chips before diving into a sweet treat of peanut butter s’mores for dessert.

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Grab a gourmet coffee at Blend Cafe to start your day, paddle board the afternoon away, and come back home for a relaxing waterfront dinner at A&O Kitchen+Bar (casual indoor and outdoor seating, including fire pits and live weekend entertainment). The Resort is implementing safety measures, and offering a flexible cancellation policy (stays through September 30th can be cancelled up to 24 hours in advance), in accordance with CDC guidelines, to ensure its guests are brought the highest level of service, no matter the changing landscape.

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Balboa Bay Resort
1221 West Coast Hwy.
Newport Beach
(877) 587-5983
www.balboabayresort.com

Helping Orange County Breathe Better Since 1978

The space between custom and conventional is vast. Between thorough and cursory. Committed and inconsistent. Jim Jerling, owner of Action Duct Cleaning of Orange County has been around long enough to know that space well.

Specializing in commercial and residential duct cleaning services (including duct and vent cleaning, kitchen exhaust cleaning, HVAC cleaning and pressure washing), Jim is no stranger to hard work, or to the inherent need for clean business practices in a dirty industry. Handling the most challenging, demanding jobs with alacrity isn’t easy. But it’s become second nature for Jim and his team, and he’ll be the first to tell you why.

“I wish I had an inspiring story about how I got into the industry. But I think the necessity of having this job just to pay the bills at first really clarified my mission,” he says. "Knowing what it was that I needed, and having no illusions about the work let me see what was best for our clients.” When it comes to serving industrial, commercial and residential clients’ duct cleaning needs, halfway isn’t good enough. Jim and his team pride themselves on being meticulous about the details, and providing the utmost in customer service. Offering fair prices is just the start. Offering peace of mind is the real goal.

Owners Jim and Tracie JerlingOwners Jim and Tracie Jerling

As members of the National Air Duct Cleaning Association (NADCA), Jim and his knowledgable team of service providers follow the “highest-level of industry practices. Our NADCA Air Systems Cleaning Specialist certification means we abide by the most stringent standards and operate under a strict code of ethics.” As an essential business, Action Duct Cleaning is open and fully operational during this global pandemic - on the front lines to help mitigate the spread of COVID-19 and other viruses by sanitizing residential communities, schools, hospitals, manufacturing and commercial facilities, restaurants, hotels, gyms and more.

“Everything went so smoothly working with Action Duct for the HVAC cleaning of our Laguna Hills store,”says Tamar M., facilities coordinator for Road Runner Sports. "They were very responsive, their quote was half the price of the other quote we received, and they made it as convenient as possible for us so it wouldn’t impact our business during store hours ...I would definitely use Action Duct again.”

Residential customer David C. agrees with Tamar’s assessment and adds “one of our family members having some asthma/allergy issues. So we wanted to try and make our home environment as pristine as possible. I contacted several air duct cleaners. Then we saw a documentary that said you should only work with those that are certified by the NADCA. That is where we found Action Duct Cleaning. That, plus the positive BBB, Yelp and Angie List ratings…”

Company values play a huge role in executing a clean business plan. Action Duct believes their work improves the quality of life around each client, has an immeasurable passion to do better, a commitment to honesty, and a penchant for remarkable service and selfless teamwork. For Jim, “decades of experience and a remarkable safety record, was the least I could give my clients, and to repay my own leaders who taught me everything I know about duct cleaning.” Clean or not clean. Washed or unwashed. There isn’t a middle ground to greatness, and Jim and his team of tenured and conscientious technicians are taking action on your behalf every step of the way.


Action Duct Cleaning Co.
of Orange County
(714) 639-1185
www.ActionDuct.com

Beauty has certainly changed a lot over the years. At the risk of dating myself, I’ve lived through trends like mini-buns, barrettes, chunky highlights in non-traditional hair colors. Blue eyeshadow. Half-hair up with cornrows. Thankfully, I’ve moved on (even though I was sadly unable to ever achieve “the Rachel”). I’m grateful for cutting-edge salons (pun intended) like Salon Capistrano where seasoned professionals keep up with the rapidly evolving trends to deliver world-class service to their customers.

Voted “Best of San Juan Capistrano” seven years in a row, Salon Capistrano is a full service salon that offers hair services, facials, chemical peels, waxing, nails and makeup/airbrush application. Since the salon opened its doors in 2012, Owner Paula Guerena and her team have strived to ensure that each of their clients “shine.”

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“We want to make the special events of your lives even better - from weddings and proms to class reunions, galas and teens/ladies/men’s night out,” says Paula, whose personal area of expertise since 1994 has been in anti-aging facials and chemical peels to help keep her clients’ skin youthful and healthy.

Paula and her team pride themselves on keeping up with the latest techniques and products in the industry through continuing education classes, and never let their standard of service falter. “Our clients continue to tell us how warmly received they feel the moment they walk in the door, and that the salon has a ‘great vibe.’” A fact that can surely be directly attributed to the kind and considerate group of independent contractors who truly work together here in harmony as a team. No egos ... just exceptional service.

“We all come from different backgrounds, but our passion for making people look and feel their best is what led each of us to the beauty and customer service industry,” says Paula.

PRECAUTIONS TO STAY SAFE

imagejpeg950Disinfecting Surfaces Before and After Each Client
Six Feet Apart or Screens Between
Insisting Masks Be Worn
Hand Washing Upon Entering
Appointments Only
Staff Wearing Face Shields or Masks
Taking Only One Client at a Time
Can Send You a Text to Enter Salon


Salon Capistrano
32241 Camino Capistrano, Suite A103
San Juan Capistrano
(949) 212-6262
saloncapistrano.com

Defining Certainty in Uncertain Times

I’d love to see how many times the words mortgage forbearance has been looked up in the past three months, while the world has been on lockdown. It’s most certainly one of those I had to check with Mirriam-Webster for a sense of assurance on. Sure enough, it comes up with a great many results: “forbearance in loans,” “forbearance COVID-19 mortgage,” “forbearance vs. deferment.” More questions than answers come up and Google trends showed it was one of the top searches over the last few months. As we slowly emerge from our homes and return to work, the daily draw of our lives presents an alarming list of new challenges. Recovering financially is at the top of the list for most Americans.

A near 20% unemployment rate is nothing to shake a stick at, combined with the current climate of social unrest. Regal American Mortgage has the solution to at least one of the issues plaguing Americans at night, where Google just provides more questions: Your finances.

If you have served in the US military, you have even more benefits due to you for your service."

“Forbearance is not the answer,” says Daniel R. Lara, CEO/Broker. “Not paying your bills and losing your home is not the answer. If you have renters who are not making payments, the mortgage on the investment property is still your responsibility. Refinancing the property could be the option that makes more sense than putting your credit and investment at risk.”

If you are gainfully employed, or being pulled off furlough or have a fixed income, this qualifies you for payment relief through a Regal Refinance. “We are helping homeowners qualify at historically lower interest rates. Through the refi we are able to defer two monthly payments (July and August or August and September) and return the escrow balance. Lowering the rate adjusts the monthly payments over the long term. Saving upwards of sometimes hundreds of thousands over the life of the loan. We are literally putting thousands into the hands of homeowners during these financially difficult times – we are doing this in as quickly as two to three weeks!”

"Individuals and families finding their way out of the quarantine is a huge priority right now for the team at Regal American, and homeowners all over are qualifying for interest rates that are historically low,” says Dan. "Not only are rates low (2.879% APR 30 years fixed), but the costs to accomplish keeping one’s head above water, despite the crushing wave that has passed over us recently, are historically low, and 79% of the time we are not even requiring an appraisal. I think of mortgage lending like a game of chess. Strategy will ensure we execute as promised, unsurpassed attention to details and focus on our trade ensures we deliver on our word.” Consider it a stimulus check, without the paper notice in your mail to accompany it.

If you have served in the US military, you have even more benefits due to you for your service. No income documents, no appraisal, and usually two deferred payments to lock in a record low-rate loan. Regal American is holding a financial lifeline for many families during these turbulent times. That’s a concept I understand. And security, confidence, assurance? Those are words I know the definitions for.


ram logo23022 La Cadena Dr., Suite 206
Laguna Hills
(949) 480-1635
www.RegalAmerican.com
NMLS #1765337 • VA #9069650000

When I was younger, my Mom loved to read me the book “If You Give A Mouse A Cookie.” The plot essentially revolves around an ever-growing list of to-do’s that had to be accomplished, all set into motion by the simple act of giving a mouse a cookie. This tale came back to me recently when I purchased a new television at Best Buy.

What was a simple shopping trip ended up being an adult’s version of that circular tale. If you give a grownup a television, they’ll have to measure their wall. When they measure the wall, they’ll realize they may actually have room for a bigger television. When they buy the bigger television, they’ll find out they have no idea how to mount it to the wall. When they start mounting it to the wall, they’ll see that the power outlets are all in the wrong places. When they realize the outlets need to be moved, they’ll call an electrician. (This could go on forever.)

Luckily for clients who have been on the receiving end of ReelTime’s patient, intelligent, and personalized service, the rabbit hole of home automation doesn’t have to swallow you entirely. With the help of their independent certified Control4 dealer, it’s easy to update your home without upending your entire life. After all, the true luxury of an integrated entertainment system is really dependent on its ability to deliver seamless entertainment. By placing every control at your fingertips, the team at ReelTime helps homeowners manage everything from how brightly lit your family room is, to your streaming devices - all with a single remote. And best yet? You can control your whole home from the comfort of your couch- even seeing who is at the front door, without ever leaving your seat. Simple, clean, and uncluttered.

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And on the home entertainment front … when you started planning for your ultimate home theater set-up and sound system, could you find the right media cabinetry for your particular space – cabinetry that wouldn’t catch on fire from the heat of the equipment, or that would simply look good in the room? Did you understand half of what the televisions, receivers and other devices could do, and did you have anyone to hold your hand to make sure you weren’t overspending for what you wanted?

Big box retailers, the professed champions of value, are happy to sell you any home theater and sound equipment you think you might like, and send you off to figure it out at home. That’s what they do. And that’s all they do.

If you want the home theater system that you envision, seek the services of Skip Myers and his team of experienced professionals at ReelTime to take you from start to finish for the home theater or sound system of your dreams.

“Usually there is a part of the job that you find you just can’t do by yourself,” says Skip, who has overseen the design and installation of thousands of home theater and sound systems over the course of 40-plus years in the business. “You get your brand new television home, you’re so excited, then you realize you need to move an outlet or none of the cabinets you can find will fit your space. We’re here to make sure you get the equipment that will give you what you want and the system that will work with that equipment, without leaving you to fend for yourself.”

Skip opened the doors at ReelTime in 1983. Today, the technicians and designers that Skip assigns to clients are all ReelTime employees, knowledgeable in all home theater and sound technologies. First, they work closely with you to determine what you’re looking for. Then they custom design every aspect of the project, from wiring to custom-built cabinets, frames, or built-in wall designs. Finally, licensed, in-house contractors install your entertainment system with care and precision.

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There are a couple of things that people may not think about when they embark upon the road to their own home entertainment system.

“You need to think about your home theater goals,” says Skip. “You don’t have to do everything at once – you can do it bit by bit – but if you know where you’re going, you’ll save money and when it’s all said and done, you’ll have exactly what you want and what you will actually use. We’re here to help you determine your goals.”

We’re here to make sure you get the equipment that will give you what you want and the system that will work with that equipment, without leaving you to fend for yourself.

Skip is also an advocate for getting what you’ll use, which is part of the design and planning process.

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“You can buy everything you want to, but if you can’t operate it, what’s the point?” he says. “There’s the television, DVD and Blue-ray; there’s the receiver, there’s Apple TV… it’s all great, but how do you get them to work together? We’re big advocates of the universal remote. Not everyone knows how to get the most out of their systems with one powerful remote – they’re not expensive, but the best ones are computer-based. We’ll set that up for you so you’re getting the most out of your custom system.”

It’s easy to assume that personal service is expensive, but a conversation with Skip and the experts at ReelTime is free. Ultimately, in planning your purchases for the right outcome, you’re likely to save money while avoiding chilling setbacks. The only chilling you want to be doing is in front of your fantasy home theater system.

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Connect with Skip Myers and ReelTime by calling (949) 240-0555, stop by their beautiful new showroom at 26381 Via De Anza in San Juan Capistrano or visit www.reeltimeav.com

It is rare to find someone who knew their path early - by divine intervention, fate or luck. Someone whom, through circumstances beyond their control, walked into their calling and have found great success. Providence. Serendipity. Whatever you might call it, Daniel Lara is one of those lucky few. A native Southern Californian, out for the day with some friends on the Huntington Beach Pier, Lara was a recent high school graduate when he struck up a conversation with “an interesting character” - a chance encounter that would change the trajectory of his life forever.

The Hollywood stunt man Lara met that day happened to have a side job as a real estate and mortgage broker. He shared with Lara how he’d recently sold an apartment complex for $8,000,000 to a connection he’d made through a movie he'd worked on. This initial meeting led to a fledgling friendship during which the then 19-year-old's initiative and ambition so impressed his friend that he offered Lara his first job in real estate. By 23, Daniel was leading a team of loan originators. By 30, he ran a mortgage company. “Unbelievable opportunity and a ton of really hard, honest work” ensured that his experience grew exponentially in a very short time.

Lara took a small mom-and-pop brokerage in Huntington Beach and "put them on the national stage by merging with an FDIC Mortgage Bank. Most companies dream of such an opportunity - in a few years I was able to make that happen for them.” Three years ago Lara opened his own company, Regal American Mortgage in Laguna Hills, a newly developed division that he and his team have expanded to five states thus far. "Our ambition is to create a national brand that exemplifies the pride a homeowner feels when all things are right. Finances play a huge role in making that American Dream come true."

Having a dream come to fruition at such a young age, having the right person come into your life at the most opportune of times – Lara was blessed with both. While in his early twenties, he found himself uniquely positioned and eager to learn all he could from experiences with every type of lending institution - banks, lenders, brokers. Experiences and expertise that would not only serve as the underpinnings to his operational philosophy and enable his company to truly help homeowners, but would prove instrumental in Lara’s own professional success.

Having independently produced $97 million in closed transactions in 2016, Lara earned the distinction of being named to the upper echelon in his industry – among the top 200 loan agents in the nation or … 1% of the 1%. His personal production is currently approaching $1 billion, Lara specializes in VA loans, the total of which account for 60% of his closings.

“Our ethos is ‘finance your legacy’ and I say that with extreme seriousness,” he says. "We’re not just making sure we are giving clients the best rates and lowest fees: that’s standard. We’re listening. We’re preparing our clients for a structure that they can build a life off of.”

Balancing his business on the pillars of honesty, integrity and American family values hasn’t been easy, especially in a rapidly changing environment fraught with an unforeseen pandemic and global financial crisis. “If we can set the stage for your finances to leave a legacy behind and help take care of your family, we’ve done our jobs, no matter the time it takes, or the state the world is in.” The opportunity to learn from all walks of life has given Lara and his team the ability to stay nimble, agile, especially in these trying times.

Having an old fashioned eye for customer service and hospitality helps as well. Lara can rely on his team to service their clients, and therefore, their community’s needs because he has surrounded himself with a core group of like-minded, proactive professionals. These individuals, who bring a wealth of experience to the organization - some with only three years and others 35 years’ with MS degrees in finance - “have a tremendous amount of enthusiasm for their work, and that has helped to develop momentum and unique programming over the last few years."

Lara adds that his administrative staff is "like none other I have ever worked with - because they are incredibly efficient and organized they help our clients navigate the hurdles to get a loan, very very quickly. We’re on pace to break all records I’ve set in the past as a top 1% producing agent in the nation.”

One of company’s more unique offerings assists seniors who may fear that they will not be able to age in place. Financing a new home purchase or refinancing your current loan is a common product Regal American is very familiar and extremely capable in handling, negotiating a reverse mortgage (HECM loan) is entirely another type of financing for elderly clients. “I want to be creative about the solutions we are able to offer our clients, and surprise folks with an opportunity that may have previously been viewed in a negative light.” Living Legacy loans, as they are referred to in the Regal American offices, allows clients to pursue their ideal lifestyle even if retirement income may not have kept up with costs of living. Allowing homeowners to turn a portion of their home equity into cash, and forego a monthly house payment takes the pressure off of individuals, and allows seniors to write their own legacy.

“There are so many nuances in every client’s financial life, and it takes a seasoned professional to navigate waters muddied by years of suspect business practices and preconceived notions.”

There are tens of thousands of mortgage companies in the US, and competition is no less fierce in Southern California. The impact of COVID-19 has stricken many, and shifted the way we look at global and local commerce, financing our goals, causing droves to scramble to maintain a standard of living to which we were accustomed just a few short months ago. In spite of those changes, Lara believes that Orange County has a unique ecosystem, and current predictions show only a small hiccup in housing trends before the market stabilizes. Fortunate: that the pride of homeownership, median income, and overall longevity of the OC all contribute to consistently positive growth. As homeowners are quick to take advantage of low rates and qualify for the mortgages they are receiving, we should step through these trying types relatively quickly.”

I never thought I would see rates at historic lows like they are today …”

“It is quite simply a perfect environment in our real estate economy,” says Dan. “Right now, we are experiencing the highest home values paired with the lowest rates in American history. Once things begin to normalize, rates will increase and lenders will very likely tighten loan restrictions. All of which makes this the ideal time to finance or refinance (whether you want to take cash out to keep on hand for a rainy day, pay off credit card debt, install solar or make other desired home improvements). Don’t sit on the sidelines while the opportunity passes. I never thought I would see rates at historic lows like they are today."

How many other companies are marching toward incoming changes instead of simply riding out the tide? With the patience to teach and the skills to execute, Regal American is a veteran at helping first-time home buyers, knowledgable refinancers or savvy investors. “When there is an opportunity to refinance and claim a better rate, we’re doing the hard work, staying ahead of the curve, and notifying our clients of market changes."

It could have been cloudy that fateful day, his friends deciding to stay indoors instead of venturing to the Pier. Lara could have still been living down the road in the city of his birth: San Clemente. But for whatever reason, that one move, one meeting, one conversation, changed Lara's trajectory by 1%, and eventually he found himself walking down a completely different path than on which he began. Regal American’s goal is to create a national brand that exemplifies the pride a homeowner feels when all cylinders are firing, when things are right, and as they should be. Finances play a huge role in making that American Dream come true.

Perhaps Regal is that one move, one meeting, one conversation for you.


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23022 La Cadena Dr., Suite 206
Laguna Hills
(888) 585-1590
www.RegalAmerican.com
NMLS #1765337

Creating Outdoor Living that Complement Your Family’s Lifestyle & Home’s Personality

Let’s talk about reasons to install a new pool or update a tired and outdated backyard. I don’t just mean how incredible swimming pools are for increasing the value of your home or in the case of updating your pool, for energy and cost savings … I’m talking about a certain kind of admiration from your kids, grandkids and loved ones. I’m talking about a vanity-free, personalized outdoor entertainment space everyone will enjoy. Think of the unlimited possibilities – all because you make the decision to turn your own backyard into the kind of relaxing resort that you may have only dreamed of.

The fantasy is easy enough - but where do you begin? How do you know where to start?

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That’s where Rich Tonti, owner and founder of Pacific Paradise Pools, comes in. He’s been transforming people’s lives and backyards for over 35 years, right here in Orange County. His team does every pool style: clean-lines mid-century, formal elegant designs, tropical rockscapes and any other at-home resort. It almost makes you want to charge admission for your own family and friends to take a dip.

Our mission is to help homeowners enjoy their pools, maximize their fun and create memories for a lifetime, while staying at home.

“Our mission is to help homeowners enjoy their pools, maximize their fun in their backyard and create memories for a lifetime all while staying at home,” says Rich. “I am very proud to say that we also have some of the most professional, talented, experienced and polite staff in the pool and spa industry.”

If you’ve got an existing swimming pool that has been neglected as much as our beach bodies seem to get, don’t worry, they also do major pool and spa renovations. Rich and the Pacific Paradise Pools Team strive very hard to go above and beyond to ensure their customers are satisfied at every turn. They have an in-house staff of designers and work with Interior Designers, Landscape Architects and other Trade Professionals to ensure you get the full HGTV effect.

“We aim to please and make sure that we develop an outdoor living space that will complement your family’s lifestyle and home’s personality as well as provide years of outdoor enjoyment,” says Rich. They’re not the bragging type, but the truth is this Huntington Beach-founded business is an award - winning company and has been honored on numerous occasions from industry associations and a variety of professional trade platforms. Pacific Paradise Pools won one of only four Pinnacle Awards from Luxury Pools and many other industry awards from their peers for design excellence.

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While they appreciate the accolades and feel the awards “validate our hard work and business strategy,” their team is even more grateful for “the referrals from loyal, happy customers that truly prove our clients endorse what we do.” The fact of the matter is, these projects don’t just provide you with beautiful backyard entertainment, they give you endless relaxing weekends and evenings after a long day at the office or after the kids and grandkids sports games.

Rich and their team may not be there to serve you drinks poolside, but then again, with their 5-star customer service, maybe you just need to ask(although, rumor has it they help you christen your pool with a bottle of Tonti Family Wine!). And, if you’re looking to sell soon, backyard entertainment areas are rated among the top requested home upgrades you can showcase.

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Pacific Paradise Pools works its magic quickly and efficiently when executing a project, just let their team know how they can help you during this exciting process.

We’d hate to make him blush, but we’ve got to get the word out about what Rich does when he isn’t creating backyard memories for his clients. Currently he volunteers an average of 10 or more hours a week on projects and spends a couple weeks every year volunteering overseas. Since 1994, he has been a part of “Men and Women of Action,” a volunteer construction and disaster relief organization. Traveling all over the world, he’s helped re-build homes, build schools, churches, orphanages and medical clinics on five of the seven continents. Hurricane relief in the South East, to Zambia, Brazil, Romania, Honduras, Nepal, Bulgaria, Ecuador, the Philippines, schools in Mozambique and homes in Mexico. A recent project in a in “The Bush,” outside Mozambique’s capitol city where “we are partnering to build a new community, with small homes, school classrooms and an afterschool mentor and feeding program, which ministers to 350 kids 5 days a week.” “This gives life meaning, and couples my skills as a builder and my passion to assist those in need of a helping hand,” says Rich, who recently completed a couple of projects a little closer to home: a multiple school building roof project in Fresno, a church hall in Bakersfield, a drywall project, in Simi Valley, for a senior citizen and a dozen homes in Tijuana, Mexico, with a Santa Ana based group named Corazon. There, the recipients of the homes are worthy candidates who have performed hundreds of hours community service and are nominated by their neighbors to receive, their first home, using funds generated through donations here in the states.

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“Raised right here in Orange County, it’s always especially nice when we have the opportunity to give back in our own community as well.”


Rich TontiRich TontiLearn more about Men and Women of Action by visiting www.mwoa.ngo or Corazon at www.corazon.org
Interested in their Pool Design and Construction Services? Read unedited testimonials and experience their unparalleled customer service by visiting: 
www.pacificparadisepools.com 
Or call Rich directly at
(714) 437-POOL (7665)
(949) 756-8442