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See IHop
ad
e Tru s t
W
d
Go
on pg 15
In
50
he team at Huntington
Beach Chrysler Dodge Jeep
Ram continued their tradition of community volunteerism
during the 2015 holidays by partnering with the local Huntington
Beach / Fountain Valley Boys and
Girls Club and Walmart to provide
community support.
The team at Huntington Beach
Chrysler Dodge Jeep Ram continued their tradition of community
volunteerism during the 2015 holidays by partnering with the Huntington Valley Boys and Girls Club
our Huntington Beach Walmart on
Beach Blvd and Talbert to provide
community support.
According to Huntington Beach
Chrysler Dodge Jeep Ram, they
spent an entire afternoon shopping
with 50 underprivileged children at
the Huntington Beach Walmart. There, they to help make the afternoon even more of a success.
Pete Shaver, the dealer principle, brought his
shopped for warm clothes. The dealerships staff
also partnered with the Boys and Girls Club with family, and many of the staff members followed
65+ volunteers. Walmart also provided extra staff suit by bringing their family members to volunteer.
Storm
Drains
inter rains have come and are washing our streets and cleaning our
City. But that rain carries leaked motor oil, litter, and other pollutants
in the street to the storm drains which lead straight to the ocean. Do
your part by repair-ing vehicle
leaks, never littering, and reporting
pollution
or
clogged
storm
drains to Public
Works at (714)
536-5431 or (714)
960-8861.
For
more information
on
protecting
water quality visit
www.OCWatersheds.com.
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INSPIRATION
Dave Garofalo
Publisher
1. Your shoes are the first thing people 10. According to Albert Einstein, if honey
subconsciously notice about you. Wear bees were to disappear from earth, humans would be dead within 4 years.
nice shoes.
2. If you sit for more than 11 hours a day, 11. There are so many kinds of apples, that
there's a 50% chance you'll die within the if you ate a new one everyday, it would
take over 20 years to try them all.
next 3 years.
Little Susie was not the best student in Catholic School. Usually
she slept through class.
One day her teacher, a Nun, called on her while she was sleeping.
3. There are at least 6 people in the world 12. You can survive without eating for
who look exactly like you. There's a 9% weeks, but you will only live 11 days
chance that you'll meet one of them in without sleeping.
your lifetime.
13. People who laugh a lot are healthier
4. Sleeping without a pillow reduces back than those who dont.
pain and keeps your spine stronger.
14. Laziness and inactivity kills just as
5. A persons height is determined by many people as smoking.
their father, and their weight is determined
15. A human brain has a capacity to store
by their mother.
5 times as much information as
6. If a part of your body "falls asleep", You Wikipedia.
can almost always "wake it up" by shak16. Our brain uses the same amount of
ing your head.
power as a 10-watt light bulb!!
7. There are three things the human brain
cannot resist noticing - food, attractive 17. Our body gives enough heat in 30
mins. to boil 1.5 liters of water!!
people and danger.
8. Right-handed people tend to chew food 18. The Ovum egg is the largest cell and
the sperm is the smallest cell !!
on their right side
9. Putting dry tea bags in gym bags or 19. Stomach acid (conc. HCl) is strong
smelly shoes will absorb the unpleasant enough to dissolve razor blades!!
odor.
When Susie didn't stir, little David who was her friend sitting behind her, took his pencil and jabbed her in the rear.
'God Almighty!' shouted Susie.
The Nun said, 'Very good' and continued teaching her class..
A little later the Nun asked Susie,
'Who is our Lord and Savior?'
But Susie didn't stir from her slumber. Once again, David came to
her rescue and stuck her in the butt.
'Jesus Christ!!!' shouted Susie.
And the Nun once again said, 'Very good', and Susie fell back
asleep.
The Nun asked her a third question...'What did Eve say to Adam
after she had her twenty-third child?'
Again, David came to the rescue. This time Susie jumped up and
shouted, 'If you stick that damn thing in me one more time, I'll
break it in half!'
The Good Sister fainted.
We believe and practice being fully involved with the communities we serve.
This is essential in building good will, encouraging growth and above all staying connected in our backyard
%&
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"Father of
California Wine,"
His Grandson
& Lucci's Nick Refice
By Chris MacDonald, Writer/Photographer,
HB Ambassador/The Local News Columnist
#
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Left: Photos of Capt. Allan Hancock, Hancock College, and Hancock's Student Vineyards in Los
Alamos. Below: Nick Refice of
Huntington Beach and a Hancock
College Viticulture and Enology
Student in front of the college's
own popular wine sold at Lucci's
Italian-American Deli, 8911 Adams
Ave. in HB
"
(714) 596-1380
www.Heautontimorumenoss.orc
the land and build additional buildings on the campus, they renamed
Allan Hancock College.
Recently, that college gained international fame for its agribusiness program and was officially bonded to sell
its very own wine, appropriately
called Captains Reserve, in honor
of Allan Hancock, whose grandfather-Agoston Haraszthywas The Father of California Viticulture.
Agoston, from Hungary, founded the
states first commercial winery
Buena Vistain Sonoma and built
the first stone winery building. The
business flourishes to this day.
Both Agoston Haraszthy and Allan
Hancock would be extremely proud
of the colleges current agribusiness
program, which offers Associate in
Arts degrees in Viticulture, Winemaking and Wine Business. The program
has a huge potential, said Alfredo
Koch, Ph.D., who once worked in his
familys vineyards in Argentina. Its
so important to California, the main
winemaking state in the country.
The educational experience is in-
for about half of all beverage orders actually registered a decline of 4 billion orders over the past half decade according
the study, which was reported in QSR
magazine, a trade publication for the fast
food and fast-casual dining industries.
The development cant come as welcome news for the restaurant industry. Outlets like McDonalds and Wendys have
come to rely heavily on their sometimes
loss-making dollar menus which offer
enticing prices for food on the assumption
that diners will round out their bill by tacking on orders for highly profitable items
like french fries and soda.
Fast food chains are backing away from
the dollar price tag with new ploys like
combo deals and McDonalds all-day
breakfast. The hope is that even if
youre staying away from
soda, maybe you will
order a latte with your
Egg McMuffin.
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Special B
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Locatio
L ike a Coke
With That
W
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U
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A
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TORTI
714.960.9696
Playboy
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Alvah C. Roebuck
EDITORIAL
www.SurfersVillage.com
the price we pay to keep airplanes from being highjacked or blown up. In fact it is smoke and mirrors the facade of security with no substance behind it.
Every time I go through the "see you naked" machine it identifies hot zones that require further search.
Those zones always seem to include the groin area.
Some men might find it flattering and a little funny
that this sensitive region of the body makes metal detectors ring and x-ray machines flash red. However, in
the age of Islamic terror, there is nothing flattering or
funny about it. When the machine shows "something"
near untouchable areas of the body, even though nothing is there, an agent has to run both hands to the top
of your thighs, across the front of your pants outside
and inside, making contact with your most private
zones. Women have a little different physiology, but it
can't be any fun for them either.
Because I detest these assaults on my person, I was
motivated to apply for my Known Traveler Number.
That is a number assigned by TSA to those who file
an application, go through a background check, pay
an $85 fee and interview with a TSA agent at one of
their designated offices. My application was approved.
I had my precious KTN. I could breathe a sigh of relief. No more airport gropings, or so I thought. As it
turns out, even after getting your coveted number, you
can be "randomly selected" for the full body screening.
The week after I was approved as a Known Traveler,
I was randomly selected for a full body screening and
the nightmare began all over again. Apparently even
"known travelers" aren't known well enough.
It is the understatement of the millennium to say
that the screening machines are poorly calibrated.
Law abiding citizens are treated like terrorists and
asked to endure humiliating searches because the
machines show "something." Kevin Payne had to
watch his ten year old daughter subjected to a two
minute pat down because of a false positive for explosive material on some liquid the girl had in a
pouch. Instead of retesting the liquid, they immediately began groping the child. She said, "I was very
scared. I had no idea what was going on. I was confused and felt like screaming and running out of
there." Two minutes is a long time to feel all over
The information contained in this column does not necessarily reflect the opinion of The Local News.
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NE
Website
SOCIAL ISSUE
10
attacks should not poison the profession. But she worries that the
market has been flooded with the
rise of the ride-hailing app industry, and that not all of the new
drivers operate with professionalism.
Uber spokesman Matt Wing said
technology is a core piece of how
the company improves safety, noting that app discloses the driver's
name and overall rating before a
rider gets in, tracks every trip with
GPS, and allows riders to share
their trip with friends and family
in real time.
Another woman who spoke to
the AP about cab safety, Brittany
Blonkvist, 25, an advertising exec
at Vox Media, said she doesn't fear
taxis, but she worried about how
distracted some women are by
their phones.
"They have no idea whether
they're going home or someplace
else," she said. "I pay attention
when I get in."
The AP contributed to this report.
Climate Summit
restaurants
Congrats
Lori Ann
e join in the Congratulations to the Citys Director of Finance Lori Ann Farrell nominated for CFO of the Year
by the Orange County Business Journal! The winner will
be announced later this month. Good luck, Lori Ann!
Rutherford / Moniak
H
to be in Baseball Americas preseason top 50,
Huntington Beach is the clear favorite, thanks to
a robust pitching staff that includes Logan
Pouelsen, Nicholas Pratto, and Hagen Danner, a
potential first-round pick for 2017.
Blake Rutherford (Chaminade) and Mickey
Moniak (La Costa Canyon) are the nations topranked outfielders. Rutherford brings a combination of speed and power, while Moniaks
lefthanded bat is among the best in the class, high
school or college. Other notable prospects slated
to attend the event include: Josh Stephen (Mater
Dei), Nick Kahle (Chaminade), Chase Strumpf
(JSerra), Ryan Orr (La Costa Canyon), Will Proctor (Mira Costa), Christian Moya (South Hills),
Holden Groff (Loyola), among others.
MICKEYMONIAK
11
I Dont Believe We
Should Pay
College Athletes
In a recent piece in The New York Times,
Joe Nocera proposed a salary cap for DiviBy Jordan Kobritz sion I football and mens
basketball
teams along with individual player
salaries.
After elaborating on his salary proposal
Nocera ends with the statement, Thats
my idea for paying college athletes. If
youve got a better one, Id love to hear it.
We can argue about it on Twitter. Unlike
Joe, Im not a tweeter so heres my response: I dont believe we should pay college athletes so theres no need to debate the
specifics of a salary cap.
That doesnt mean I support the corrupt system that permeates college athletics today.
Too many institutions use and abuse studentathletes and then discard them like yesterdays
newspaper. Academics are a farce even at supposedly top tier institutions like the University
of North Carolina, and recruiting is a cesspool
(see the University of Louisville).
While coaches are guaranteed $7-8 million per
year on long-term contracts heres looking at
you, Nick Saban and Jim Harbaugh many student athletes go hungry. A majority of schools refuse to pay the full cost of admission, even though
the NCAA voted two years ago to give them that option. Furthermore, most scholarships are limited to one year, although again, theres no prohibition against guaranteeing four-year commitments.
The argument that a student-athlete should be satisfied with a scholarship because thats all a band member or a debater gets is disingenuous, if not ludicrous.
12
Kobritz
on
Sports
Debate teams and school bands dont generate the same amount of income as a
football team. Nor does playing the tuba or debating an issue create the
same health risks as playing linebacker or point guard.
Noceras proposal raises a number of issues, some of which are impossible to overcome; others will make lawyers rich for generations.
Salary caps violate antitrust laws, unless theyre negotiated by bargaining agents, i.e., unions. The only reason for unions of studentathletes is if institutions dont live up to their moral responsibilities,
such as guaranteeing health insurance and other benefits as discussed
above. Noceras suggestion would also create issues with Title IX
because he limits salaries to football and mens basketball players.
Rather than paying student-athletes we should commit to treating
them fairly and more humanly. That means guaranteeing them six
years to complete their education and subsidizing the full cost of
attendance or, in the alternative, removing all limits on working
and earning income. Athletes, particularly football players,
should receive more extensive, long-term health benefits. And
all student-athletes should be allowed to generate revenue from
activities off the field of play including endorsements, sponsorships, autographs and image rights, similar to the Olympic
model (a concept Nocera also supports).
So there you go, Joe. Theres no need to debate team salary
caps or individual player salaries in collegiate athletics because we shouldnt be paying student-athletes. Thats my position. Whats yours?
By Tierna Unruh-Enos
DailyFinance Staff is moving around the country looking for..."A city
will pay me to live there? How is that possible, you may ask. Well, it's
true. There are cities in the U.S. that will actually pay you to live there.
Might they always be your first choice for where you would live? Maybe,
and maybe not. But getting paid to move and live in a community, if
even for a short while, can be quite an adventure, save you a ton of
money and might even surprise you with how much you enjoy living in
that city.
Here are 3 U.S. cities, (and one state) that will pay you just for living
there:
shawarma sandwich
U.S. Cities
Will Pay You to
Live There!
Detroit, Michigan
Detroit, Michigan has seen its fair share of rough times over the past
few decades. Abandoned neighborhoods are scattered throughout the
city. While this may seem like a depressing prospect for some, it can be
seen as a great challenge for others. Challenge Detroit is a program managed by the City of Detroit to encourage new career seekers and entrepreneurs to move into the city. The program pays the chosen applicants
to move to the city to work with businesses and non-profits while making
connections with the community. The hope is that the fresh new talent
will stay within the city and help bring it back to life.
GETTYIMAGES
$129.
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Chattanooga, TN
Chattanooga, Tennessee is quickly becoming a hub for young 'geeks'
who are willing to relocate. The city was recently named a GigCity,
which means that Chattanooga is the first city in the Western Hemisphere
to have gigabit per second fiber Internet accessible to the entire city grid.
With this designation, Chattanooga has created GeekMove, which is an
incentive program designed to financially assist computer developers
who are interested in relocating to newly revitalized communities.
3 Places to Live If You're a Tech Guru (Besides Silicon Valley)
GREAT DEAL!
Alaska
It's not just certain cities in Alaska that will pay you to live there, it's
the whole state. The state of Alaska developed the Permanent Fund Dividend which essentially pays residents of Alaska to permanently live
there. Investment earnings on Alaskan mineral royalties are paid to
Alaska residents. It is an annual payment, and the state feels that it is an
investment in their current population as well investing in future generations in hopes that they stay in Alaska. To be eligible for the dividend,
you need to have lived in Alaska for one year, not be a convicted felon
and be present in Alaska for at least 190 days in a calendar year.
Niagara Falls, NY
Well known for its majestic waterfalls, Niagara Falls is trying to attract
a younger population. Niagara's Community Development program is
offering a limited number of newly graduated college students the incentive of student loan repayment up to $7,000 with a program called
Live NF. The city is aiming at developing its downtown area into a more
attractive place for young transplants to live."
13
Wanna Make
More Money in
2016
aily Finance's Erik Sherman has probably asked for a raise and tells
us..."Look at the most popular New
Year's resolutions. In addition to spending
time with family, living life to the fullest, and
getting healthy, people want to stop being
broke. It's understandable -- and also one of
the most frequently broken resolutions.
Don't get discouraged. You really can
make more money, lower your debts, and
improve your financial future. There are no
easy and magic solutions and many of these
may seem obvious, but there's a difference
between hearing about a solution to a problem and actually taking action. With some
regular effort you can improve your lot in a
lot of ways.
BAKERY
CAFE
CATERING
14
wed n e sd a y - sat u rd a y
8a m - 6 p m
su n d a y
8a m - 2 p m
7. Start a business.
8. Teach.
conomics have found a connection between lack of sleep and diminished income. If you're short on rest, you'll also
suffer from muddy thinking and poorer
health, which affects your ability to make
money.
12. Be helpful.
f you want to know how to play basketball, you want good basketball players. To
learn to paint, you study the work of great
artists. To make more money, observe what
rich people tend to do.
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Duck-a-Thon
Friday
May 13th
Saturday
May 14th
Sunday
May 15th
Dont Miss
The 24th Annual
at the
Huntington
Beach
Pier
Friday, May 13th
6 pm - 9 pm Reception
The weekend kicks off with our Food and Wine Tasting by
the sea. Come join us and sample outstanding wines,
beer and food from local restaurants as the sun sets
over the Pacific! Enjoy entertainment,
opportunity drawings and a silent auction.
Ticket - $45 advance / $55 at the door
Includes a souvenir wine glass
VIP Tickets: $55 in advance / $65 at the door
(includes deluxe wine glass, VIP check-in, parking validation)
ho
duck in lice, Fire
our Po eguard
and Lif oes!
her
17
Official Notice:
* Dr. Jin-Jou Lu will no longer be affiliated with FCPP
(First Choice Physician Partners) as of December 31, 2015
I know that Putin isnt exactly a good guy, but his quotes are poignant...
Hes a world leader who is really a movie character. To forgive terrorists
is up to God, to send them to Him is up to me. Who talks like that? PUTIN
DOES! Well, perhaps The Donald too!
GENTLE GIANTS
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4. A PReHISTORIC MeGALODOn
TOOTH
In October, a beachgoer in North Carolina found a fossilized tooth from a prehistoric shark. Six inches long and about
"
"
7. HyPODeRMIC neeDLeS
In September, a Los Angeles beach was
closed down after medical waste washed
ashore and water samples came back
showing high bacteria levels. Hypodermic needles, tampon applicators and condoms were all found on the beach after
heavy rains caused a malfunction in one
of the pumps of nearby Hyperion Treatment Plant.
9. TAR BALLS
In May, mysterious black oil
clumps washed ashore at
Manhattan Beach in California. The dangerous tar balls
caused the beach to close for cleanup. Officials were unsure of whether the tar balls
came from an oil spill or a local refinery.
3. ROCkeT WReCkAGe
In May, Kevin Eichelberger was on a
Bahamas getaway when he discovered
debris from a SpaceX rocket on the beach.
The Falcon 9 rocket had successfully delivered supplies to the International Space
Station and a failed landing caused it to
explode and crash into the ocean. The debris had GoPro cameras on it but Eichelberger didn't find any data.
8. CReePy OARFISH
In August, a rarely-seen fish
washed up on the beaches of
Santa Catalina Island off the
coast of California, a startling
sight for beachgoers. The dead
fish was 15 1/2 feet long and
officials estimate it probably
weighed as much as 200
pounds. It did not have its tail
- sometimes oarfish shed their
tails to save energy - but would
have been around 24 feet long
with it. Scientists hypothesized
that earthquakes could be the
reason why the oarfish washed
up on the beach, while others
posited it may have been because of El Nio's warm water
currents.
'buoy' the kids were playing with was actually a bomb. The kids were jumping and
playing on an unexploded World War IIera mine bomb.
The Royal Navy coast guard detonated
the bomb in a controlled explosion shortly
thereafter.
"T
Crazy
Things That
Washed Up
on Shore
21
CARAMEL-PECAN
BROWNIES
STRONG WOMEN -
Make It
Heat oven to 350F.
Line 13x9-inch pan with foil, with ends of foil extending over sides. Spray
foil with cooking spray. Microwave chocolate and butter in large microwaveable bowl on HIGH 2 min. or until butter is melted. Stir until chocolate is
completely melted. Add sugar and eggs; mix well. Stir in flour until blended.
Spread half the batter into prepared pan.
Bake 25 min. or until top is firm to the touch. Meanwhile, microwave
caramels and cream in medium microwaveable bowl on HIGH 2 min. or until
caramels begin to melt; stir until caramels are completely melted. Stir in 1
cup nuts.
Spread caramel mixture over brownie layer in pan; cover with remaining
brownie batter.
(Some caramel
mixture may peek
through.) Sprinkle
with remaining
nuts. Bake 30
min. or until top is
firm to the touch.
Cool in pan on
wire rack. Lift
brownies
from
pan with foil handles before cutting
into squares.
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About the
Passionfruit Martini
l
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C orn
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Ingredients:
Vodka 20 ml
Passionfruit Pulp 4 tblsp
Lemon Juice 20 ml
Passionfruit 1, sliced, chilled
Apple Juice 1/3 cup
Method:
1. Combine the vodka, passionfruit pulp,
lemon juice and apple juice in a shaker.
2. Shake well until combined.
3. Pour into chilled martini glasses.
4. Garnish with a slice of passionfruit.
5. Serve chilled.
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NEWS
chr is @chr is ep tin g. com
Chris Epting
HBNews1@aol.com
The information contained in this column does not necessarily reflect the opinion of The Local News.
EarthTalk
Dear earthTalk:
Why do many green
groups oppose the
Trans-Pacific Partnership
(TPP) governing trade in the Pacific?
~ Jane Donahue, Larchmont, NY
ticipating governments. However, despite the theoretical advantages of more fluid international trade, the current draft
has several complications that could lead to a variety of problems for participating nations and others, meaning its implementation is far from a sure thing at this point.
Green leaders criticize the Obama administration and negotiators from other countries for keeping early talks on the
formation of the TPP closed to observers and media. Many
individuals and public interest groups requested access to the
discussions, fearing that the agreement would unfairly favor
large corporations. However, those appeals were ignored and
the drafted document revealed what many feel was a prioritization of corporate interests over health and environmental
concerns. Without any enforceable guarantees for environmental protection, the TPP
could actually significantly
contribute to global warming
through increased exportation
of U.S. fossil fuel supplies.
Additionally, differences
in national policies regulating chemical use, artificial
fertilizers and seeds from genetically modified organisms (GMOs) have yielded
an agreement that encourages minimal protection.
The non-profit Public Citizen points out that existing
U.S. regulation of pesticide
and GMO labeling on
packaging could be challenged in the international
court as trade barriers.
Another point of contention is the distinct advantage given to foreign
corporations under the
current TPP model. Overseas firms would
be able to sue the U.S. government over new policies that
disrupt the companys expectations.
Perhaps more troubling is whats not included in the doc-
ument, which fails to mention how it will protect from overharvesting of limited natural resources. Green groups point
out that, while the TPP accounts for nearly a third of global
fish harvest, there are no provisions to protect against overfishing. The draft also barely mentions enforceable safeguards of endangered species products, such as elephant
ivory
Yet another issue critics say is woefully ignored is social
justice. With free-trade opening up, even more American jobs
would be sent overseas to reduce costs. Economists estimate
that five million U.S. jobs could shift oversees under the TPP,
resulting in serious pay cuts for American workers. Meanwhile, the richest 10 percent would profit at even higher rates,
adding to an already drastic U.S. wealth inequality.
Clearly, the current draft of the TPP agreement needs a lot
of work before Congress should even consider it. Those opposed to the current version of the TPP can voice their dissatisfaction by signing onto the Stop the Trans-Pacific
Partnership petition on MoveOn.org, or by urging your representatives in Congress to vote against it altogether.
CONTACTS:
TPP Page,
https://ustr.gov/tpp;
Public Citizen,
www.citizen.org;
VIeWPASTCOLUMnS:
www.earthtalk.org
24
HELP!
HAPPY HOUR
MONDAY - FRIDAY
3 PM - 6 PM
WEDNESDAYS - ALL DAY
$2.00 OFF ALL LIQUOR
$2.50 DOMESTIC PINTS
$3.00 IMPORT PINTS
January /
February
Line Up
1/22 ...............Battle of the Bands
1/23..................................Defalco
1/28 .......................Karaoke Night
1/29...........................Parkaimoon
1/30...............................Slingshot
2/4 .........................Karaoke Night
2/5............................Heaven Sent
2/6 .............................Those Guys
With Wine
Endless
Treasures
Await
The setting of Bells 43-minute performance
was unusual, to say the least. By the time he was
14, the violin prodigy was soloing for the
Philadelphia Orchestra. At 17, he made his first
appearance at Carnegie Hall. He has performed
as a guest soloist for the New York Philharmonic three times and currently directs one of
worlds
the
most celebrated
chamber
orchestras.
More
than David White
1,000 commuters came
within earshot of Bell that morning and witnessed
a world-class performance from a musical genius
on one of the finest instruments ever crafted. Yet
among the mass of hurried Metro riders, Bell
went almost unnoticed.
What does any of this have to do with wine?
Quite a bit.
Giant corporate producers dominate the wine
market. In the United States, three brands E.
& J. Gallo, the Wine Group, and Constellation
produced 172.3 million cases of wine in 2012, accounting for roughly 50 percent of wine sales.
Yet most of the worlds finest wines are produced by small, unassuming, and largely ignored
grape growers. Unlike the big brands, these vignerons produce wines that reflect the regions
and vineyards in which the grapes are grown.
Their wines have a distinctiveness that cant be
matched by mass-produced alternatives.
In other words, wine consumers are surrounded
by Joshua-Bell level brilliance. Serious wine enthusiasts are finally paying attention.
On the Vine
PROFOUND
HISTORIC
PHOTOS
}
{
1964:
An early
morning
train ride
in Japan
BRENDA LEE
nly Elvis, Ray Charles and the Beatles had more hits than she did in
the '60s. In fact, Brenda Lee began the decade with what would become
her signature song ("I'm Sorry"), and the Beatles opened for her when
she toured the U.K. in 1963. And the four-foot-nine singer known as Little Miss
Dynamite hasn't fizzled. Her November 15 concert in Biloxi, Miss., takes place
two weeks before her 70th birthday.
25
Moe kanoudi
$180,000
CI T Y H AL L
DI RECTO RY
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26
714.536.6300
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(714) 536-5555
City Clerk
(714) 536-5227
(714) 536-1600
Passports
City Council
(714) 536-5553
City Manager
(714) 536-5202
(714) 536-5486
Community Services
Beach Operations
(714) 536-5281
Business Development (714) 536-5542
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Finance Department
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(714) 536-5492
Information Services
(714) 536-5515
Library Services
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Code Enforcement
(714) 375-5155
Police Department
(714) 960-8811
Public Works
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Graffiti Removal
(714) 960-8861
The information contained in this column does not necessarily reflect the opinion of The Local News
SPECIAL
SECTION
AUTO
N ew U sed
Leased Repai r s
Accessori es
I ndustr y N ews
Wow!
debate that
has taken on new urgency in light of
President Obama's executive actions
taken on Tuesday.
There were 33,736 traffic deaths
and 33,599 total firearm deaths in
2014, the latest year for which full
data is available a difference of
137.
It didn't happen in 2014 because
gun deaths didn't rise as quickly as
anticipated in the CDC's 10-year av-
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27
Arnaud Dufour
Understanding
FHA Mortgage
Insurance
Arnaud Dufour
remove the mortgage insurance. The extra 2% that the FHA requires compared to the
80% of conventional loans is not that significant. What is significant
however is that the FHA will not consider appreciation in determining
the equity calculation. In other words, the balance of the loan must be
at 78% of the value assigned at the time the loan was originated. Any
appreciation thats accrued in the years since will not be
given credit when applying for the removal of mortgage
insurance. For individuals whose homes have appreciated 10% or more since acquiring the loan, this can be
significant.
Second, FHA loans also have a minimum time
frame before the mortgage insurance is eligible
for removal. For FHA loans originated prior to
June 3, 2013, that minimum timeframe is 5
years. After June 3, 3013, the FHA pushed the
minimum time requirement up to 11 years for loans
with 10% equity or more. For loans with less than
10% equity at the time of origination, the mortgage insurance is permanent and cannot be removed.
Understanding how the removal of mortgage insurance works on FHA loans is critical to determining whether to refinance and get out of the
mortgage insurance now, or stay with the current loan and wait it out until the mortgage insurance falls off naturally. The key is
remembering that one must meet both criteria before the MI can be removed, and also remembering that equity will be
determined by the original value not the current value.
Many homeowners who have had an FHA loan for 2 years or more
will find that property appreciation combined with current low interest
rates could likely make a refinance a financially wise decision.
Arnaud Dufour is a Sr. Mortgage Banker at Newport Beach based DLJ Financial. With more than eleven years in the industry,
Arnaud is available to answer questions in Real Estate Finance E-mail: adufour@dljfinancial.com Call: 714-677-4107
CA DRE # 01360217 NMLS# 335758
The information contained in this column does not necessarily reflect the opinion of The Local News.
28
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32