The Local News — December 01, 2011

8/3/2019 The Local News December 01, 2011

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Sure, Santa, Snowflakes, The TREE, three blocks of anxious and happy merchants, a couponBook that will fill your Stockings with hundred's of dollars of savings and an Art Walk thatwill fill your hearts with the Spirit of the Holidays - December 21 from 6 pm to 9 pm.

Downtown Huntington Beach will sparkle withthe light of gems and jewels, crystals and beadsas the December Art Walk presents a holiday

boutique. With a focus on jewelry artists, guestsare invited to explore the gorgeous creationsinspired by nature, fashion and antiquities. Avariety of artists working in different types of

jewelry making will be hosted by businesses inthe first four blocks of Main ST and over to theStrand. The Art Walk will begin at J. Bella Rose,

who will host local artist Janet Borack. Janet is amulti talented artist who along with paintingand sculpture creates jewelry from recycled

beads. She works in fabric, leather and wood aswell, creating objects that are both quirky and

beautiful. J. Bella rose is inviting guests to jointhem for a Ladies Night Out, when specialdiscounts will be offered during the Art Walk.

Sharkeez will step into the world of highfashion jewelry with internationally renowneddesigner Mali Sabatasso. Malis career in thefashion industry as a Commercial Director ofhigh end fashion collections throughout Europeignited her interest in creating original works in

jewelry and accessories. Featured in such maga-zines as Allure and InStyle, her works reflect theculture and natural beauty shefound in exotic locales, from theHawaiian Islands, St Thomas andthe Virgin Islands, to Aspen, WestAfrica and France. She now hasa flourishing line of jewelry andaccessories certain to delight thewearer for time to come.

INNOCEAN will featureJames McDemas in collaborationwith artist Xhris (Chris) Frank intheir 10x10 gallery. James iscommitted to creating andrestoring pieces of art and designthrough ecologically minded andresponsible fabrication techniquesthat will last for generations. Hisneon sculpture will be on displayalong with a special projectioninstallation using word imageryand original digital imagerycreated by Frank. There will be a

reception for the artists on thenight of the Art Walk.INNOCEAN is located at180 5th St in Suite 200.

Stretching from the northernend of Main Street down tothe businesses in the first

block and onto the Strand,the Art Walk continues eachmonth on the third Wednesday.For applications to be a hostor a participating artist,

please visit www.hb-down-town.com. For additional

information please call the HBDBID officeat 714.536.8300.

DECEMBER 01, 2011 714.914.9797 [email protected] VOL. 20 NO. 437

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DigitalCopy:www.MyHBGold.comvisitSurfersvillage.com

This week I lived the DeadHorse Theory. But I haveto be honest...this week's

experiences did not revolvearound government meetings...soeasy for us to berate...it had to dowith a long series of non profitand for profit business meetings.So, I would have to say...theDead Horse Theory is reallynon-denominational. nondiscrim-inatory and for sure transcends allsocial-political economic worlds.

The tribal wisdom of the NativeAmericans, passed on fromgeneration to generation, saysthat When you discover that youare riding a dead horse, beststrategy is to dismount."

However, in government moreadvanced strategies are oftenemployed. But, I would changethat opening statement to read..."in life we make many choicesand sometimes some of us

choose more advanced strategiessuch as:

When you discover you areriding a dead horse...Don't:

1. Buy a stronger whip.

2. Chang riders.

3. Appoint a committee to studythe horse.

4. Arrange to visit othercountries to see how othercultures ride dead horses.

5. Lower the standardsso that dead horses can

be included.

6. Reclassify thedead horse asliving-impaired.

7. Hire outside con-tractors toride thedead horse.

8. Harness several dead horsestogether to increase speed.

9. Provide additional fundingand/or training to increasedead horse's performance.

10. Do a productivitystudy to seeif lighterriders wouldimprove thedead horse's

performance.

11. Declare that as thedead horse does nothave to be fed, it isless costly, carrieslower overheadand thereforecontributes sub-stantially more tothe bottom line ofthe economythan dosome otherhorses.

12. Rewrite the expected performance requirementsfor all horses.

And of course...

13. Promote the dead horse to asupervisory position.


TheLocalNews,December01,2011

[email protected]

714.914.9797

4

Ihad a great start to my ThanksgivingDay by joining the Bonillas Family attheir HB home, where KTLA TV

broadcast live on the Morning News theirThanksgiving meal preparations. Award-winning reporter Eric Spillman interviewedRob and Stephanie Bonillas, their twochildren, Hailey and Jacob, and Italian For-eign Exchange student, Alisa, as they fixedtheir gigantic turkey for a celebration thatwould include more than 30 family andfriends. Everyone coming to the feastbrought gifts for needy kids.

Spillman drew the name of the turkey outof their hat and it was "Chan" in honor ofKTLA Traffic Reporter Ginger Chan. Thegood natured and good hearted family,whose dad works for HB Public Works, wasone of three families featured Thanksgivingmorning in Southern California. Spillman

started out in Harbor City with a familyat 6:30am, then went to Long Beach forthe 7:30 broadcast and finished his livereporting in North Huntington Beach at8:30. When KTLA's TV and Satellite trucksrolled up to their residence, curious neighborsand passersby came over to see what wasgoing on. The Bonillas are longtime viewersof KTLA and when the station requested possible families to interview live onThanksgiving, they jumped at the opportunity.They were selected because of theirinternational flavor, having an exchangestudent from Italy, who's attending MarinaHigh School, celebrating her firstThanksgiving in America.

The caring Bonillas Family reminds us ofthe true meaning of ThanksgivingbeingThankful for all our friends, family, countryand assisting those who are in need.

Stephanie and Hailey Bonillas, theirfamily and friends, are helpingothers through "The Giving TreeOutreach Program." They're collectingand wrapping gifts for boys andgirls, 6-14, at the HB Youth Shelterand Oak View Elementary School.The gifts are being collected theweek of December 16th with aWrapping Party on December 19th.Volunteers are needed and allsupplies are being provided,although any donation of wrappingand gift distribution is appreciated.If you would like to help, pleasecontact Stephanie at (714) 791-2828.ThankYou!

Iwas at the Peters Landing Farmers Market onSaturday, November 26th, when I heard a loud

boom. A couple minutes later, I saw smokerising hundreds of feet into the sky and peoplestarted running to the dock to see what was goingon. We saw the fire, a Huntington Beach Policehelicopter and Harbor Patrol boats trying to put outthe flames. When we walked back toward PCH, wesaw a number of fire engines responding to theemergency. The northbound traffic on PacificCoast Highway was blocked off at Don theBeachcomber andthe engines were

parked at Simple Green's headquarters. A retiredHarbor Patrol officer apparently was in a nearby

boat when he saw the accident and began throwinglifejackets into the water to the people who had

been thrown from the boat. He told the boat next tohim to do the same, which they did. He then beganrescuing people into his boat.

Reports say none of the nine people in the boatthat exploded had lifejackets on. Victims blownfrom the boat were taken by ambulance to traumacenters, where they were treated for contusions,

broken bones and burns. We salute the quick-thinking hero who was in the right place and helpedsave the lives of those blown from the boat. Wewish them a speedy recovery.

ChrisMacDonaldOn the road in Surf City

By Chris MacDonald, Writer/Photographer,HB Ambassador/The Local News Columnist

The Local News

The Weak That WasAmerica: Home of the Free because of the Brave

Dave GaofaloPubliheHuntington Harbour Boat Explosion

Creates Lots of Commotion

Therearefourboxesto

beusedindefense

ofliberty:soap,ballot,

jury,andammo.

Pleaseuseinthatorder.

Huntington Beach Bonillas FamilyFeatured Live on KTLA TV Preparing TheirThanksgiving Turkey & Helping Others

An action photo after theBoat Exploded.

Lots of people werewatching behind the

Bayport Townhomes as theysaw the smoke rising.

The Bonillas Family with KTLA's Eric Spillman

Extraordinary

winning ER is just minutd-arwnd our aA

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45

Senior citizens are constantly being criticized for every conceivabledeficiency of the modern world, real or imaginary. We know we takeresponsibility for all we have done (and I can att est to that personally),

and do not blame others.

HOWEVER, upon reflection, we would like to point out that itwas NOT the senior citizens who took:

The melody out of music,The pride out of appearance,

The courtesy out of driving,

The romance out of love,The commitment out of marriage,

The responsibility out of parenthood,

The togetherness out of the family,The learning out of education,

The service out of patriotism,The Golden Rule from rulers,

The nativity scene out of cities,

The civility out of behavior,The refinement out of language,

The dedication out of employment,

The prudence out of spending,The ambition out of achievement or God out of

government and school.And we certainly are NOT the ones who eliminated patience and tolerance from

personal relationships and interactions with others!!And, we do understand the meaning of patriotism, and remember those who

have fought and died for our country.

Just look at the Seniors with tears in their eyes and pride in their hearts as theystand at attention with their hand over their hearts!

YES, I'M A SENIOR CITIZEN!

I'm the life of the party...... even if it lasts until 8 p.m.I'm very good at opening childproof caps.... with a hammer.

I'm awake many hours before mybody allows me to get up.

I'm smiling all the time, because Ican't hear a thing you're saying.

I'm sure everything I can't find is ina safe, secure place, somewhere.

I'm wrinkled, saggy, lumpy, andthat's just my left leg.

I'm beginning to realize that aging isnot for wimps.

Yes, I'm a SENIOR CITIZEN, and Ithink I am having the time of my life!

Now if I could only rememberwho sent this to me, I wouldn'tsend it back to them, but I would

send it to manymore too!

Thoughtfortheday...EveryonelovesAGood SongwithFeeling

KTLA broadcasting live from the Bonillas' H B Kitchen

The DeadHorse Theory:


[email protected]

Ifeel likemy bodyhasgotten

totallyoutofshape,soI gotmy

doctor'spermissiontojoina

fitness clubandstartexercising.

Idecidedtotakeanaerobicsclass

forseniors.Ibent, twisted,

gyrated,jumpedupanddown, and

perspired foranhour.But, by the

timeIgotmyspandexworkout

clothes on,theclasswasover.

BodySculpturing...

Finally, I havedefined myself...You and me today, perhaps!


4/17

Dear Friends,

I jotted some notes for myimmediate family concerningthe recent event at Ocean

View High School so thatothers, in some way, mightknow the life and dreams ofCoach Jim Harris.

EXCERPT

I feel compelled to tell youabout a four-hour eventcomposed of 17 heartfeltspeeches, four video presenta-tions and a musical interludesung by a past player andbrother to one of my sophomore

players all focused on agentleman that startedcoaching the year I stoppedand saw fit to let me donate somemore time to the game I love at theschool that loved him. The

presentations were slides of hisCHILDHOOD, FAMILY LIFE, TEAMSand COACHING CAREER and weresprinkled in that order throughoutthe evening's speakers. Seating wasarranged in the gym for speakersand family under the HOME Basketand 300 or so of his players on thefloor with the stands being almostfull with about another 1500 OVHSfans. I suppose there were around2000 people present. ...most of thespeakers had known Coach Harrisfor more than 20 years... I knew 5 ofthe speakers and knew of the HBMayor (Joe Carchio) who was alsohis friend. The speakers were mainly

past players and coaches with whomhe'd worked. They told of his l ife andhis untiring dedication to the schooland its students and pl ayers. Two ofthe coaches had gone on to coach

college and had become his liaisonwith his hero and model Coach John Wooden at different venues andcoaching clinics throughout many

years. It was told by one coach thatCoach Wooden, before he passedaway 2 years ago, had let one of themknow that he understood how muchJim Harris cared for him and hisPyramid of Success (worth lookingat online), but that Coach Harris hadnot understood what affection Coach

Wooden had for him!

To that point, when asked if hewould change any of the words of his pyramid: words like responsibility,dedication, sacrifice; his response

was that he would have added onlyone word that he was "shy" aboutusing long ago when he had formulatedthis code for his players which hehad seen effectively used by a highschool coaching friend of his. The

word was "LOVE." At OVHS's halfcourt are emblazoned around the

jump ball area 10 of Coach Harris' version of Coach Wooden's "code words" and included is the word"love." There is an HBUSD resolutionto, as Coach Wooden had done inhonor of his wife Nellie of 65 yearsat the famous UCLA's Pauley Pavilion

where the floor is named in honorof both, have the OVHS floor namedin honor of Coach Jim & Sandi(his wife) Harris.

His CHILDHOOD video was aslideshow with musical backgroundto the "Boogie Woogie Bugle Boy ofCompany B" (one of my parentsfavorites) and included a shot ofCoach Harris at about 5 years old infull Roy Rogers gear on a pony! You

would have loved it. The otherpictures and stories were family andteam shots and vignettes of his life

with some videos of him speaking at various functions throughout hiscareer. His teams were described bymany as "relentless."

His eldest child, his daughter (Kim

Morris, Ocean View HS Teacher andGirls' Basketball Coach) closed the

ceremony with a prayer but theyhave always had a tradition of"just one more" at OVHS (be itsprints or any conditioningactivity); and, in that spirit,another unprogrammed

speaker was added at thelast minute. Most of Coach

Harris' impact had includedtrips outside OC with his

family and teams but his

impact was presented asvery local to the HB & OVHScommunity. Many people

went out from the school to accomplishall kinds of things but his impact wasseen and presented as very local.The last speaker changed that

perspective. He had respected thefamily's request that the memorialtwo weeks ago be small and mostlyimmediate family but that many inhis community had wanted to thankCoach Harris for opening their "eyesand careers" by hosting the annualOVHS Tournament of Champions andallowing their teams to fully partici-

pate even at times where they wouldnot otherwise have had such achance. That exposure had led toover 500 Division I scholarships andmany careers within the larger bas-ketball community including over 20NBA players. You might have guessedthat the last speaker came from LA'sinner-city and represented the areasof Compton, Inglewood, Watts andSouth Central LA. He stated withoutCoach Harris' support many of his"kids" would have never been givenmuch of a chance - and the OVHS gymhad always been open to them.

It seems that my initial journey inCamp Sendai, Japan to play basketballat what I called "Jim's Place" (thecamp's gymnasium I suppose I couldn't

pronounce) at four years old hasgotten me to another "Jim's (CoachJames B. Harris, Jr.) Place" inHuntington Beach! I am so pleased tocontinue to help kids in their pursuitof their basketball ... and life ..."dreams" - thanks to Coach Harris.

Lyle Carlson, a friend

536.9990

7



[email protected]



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714.914.9797

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2011

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I am told and hope it is true that the NationalAssociation of REALTORS is all over this and workingto get it repealed, before it takes effect. But, I am very

pleased we aren't the only ones who know about thisploy to steal billions from unsuspecting homeowners.

Did you know that if you sell your house after 2012you will pay a 3.8% sales tax on it? That's $3,800 on a$100,000 home, etc. When did this happen? It's in thehealth care bill and goes into effect in 2013.

Why 2013? Could it be to come to light AFTER the2012 elections? So, this is "change you can believe in"?

Under the new health care bill all real estatetransactions will be subject to a 3.8% Sales Tax. If yousell a $400,000 home, there will be a $15,200 tax. This

bill is set to seriously effectthe retiring generation whooften downsize their homes.Does this make your Novemberand 2012 vote more important? You

bet your arse...and the farm...

Oh, you weren't aware this was in theObamacare bill? Guess what, you aren'talone. There are more than a few membersof Congress that aren't aware of it either.

http://www.gop.gov/blog/10/04/08/oba-macare-flatlines-obamacare-taxes-home

Celebration of LifeCeremony:For Coach

Jim Harris

Did you know this?

Huge New House Tax


5/17

There's nothing like a laughter-filled table to release thestress of the day with

people whom you love and wholove you. It's a great time to hearabout everyone's experience

highs, lows, funny moments, sillyseconds... One family has aunique take on the best/worstof the day: they share what their"rose" and "thorn" were that dayand double up on the positive byadding a "petal" or two of sweetstories. Plus, the understandingthat comes from knowingsomeone really listens to you that a family member is on yourteam can be exhilarating,cathartic and healing.

Five tips to connect at the

dinner table:

1. Start dinnertime during set-uptime and involve everyone

preparing the meal, setting thetable, placing food even theyoungest can help.

2. Try to talk one at a time and askfollow-up questions aftersomeone speaks. Play simplesharing games such as"rose/thorn" or "high/low" or"success" of the day.

3. So no one person hogs theconversation, everyone gets tospeak once before the free-

for-all of anyone speaks begins.

4. Express gratitude before orafter every meal holding hands.

5.No one gets up from the tabletill the last eater is done;

parents may want to linger tochat after the kids are excused.

Electronic free zone?

What's really important to you?Parents usually tell me they hatetechnology at the table, yet theyoften succumb. A boss is calling,a car pool has to be arranged, a

play date has to be planned. Butfor 30 or 45 minutes, no texting,no emailing, no phoning won'tradically shift life events. Thereare exceptions grandma is inthe hospital, big sis is calling fromhalfway across the world, etc.

but these are rare and can beexplained and treated as such.

This is the time you really haveto pay attention to what you

behavior is teaching your kids. Ifyou don't want your kids on theircell phones or playing videogames on their iPad, if it's vitalto keep that family time sacred,then it's an easy answer. Zerotechnology at the table. Noexcuses, rare exceptions.

Family dinners not possibleon a daily basis? Six everyday

activities that can also promotebonding.

1. Breakfast together; packlunches together.

2. Drive or walk to school

together in the morning withno technology in the car.

3. Send each other a text duringthe day to say that you arethinking of them. Or leavenotes in lunch boxes.

4. Keep story time a long time read to your kids nomatter their age as a nightlyritual; it can create lifetimeloving memories.

5. Sit on the edge of yourchild's bed and snuggle andchat before they doze off.

6. Go to the farmer's markettogether on weekends - includeeveryone on decisions aboutwhat to buy for dinnersand why.

A special thank you andappreciation to the families whocontributed many of theseterrific ideas. Please write andshare yours.

Thank you Charlotte Reznick,Ph.D., Child educational

psychologist and author foryour insight and inspiration forthese words of wisdom...

9



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8

AnExcitingCommunity

HAPPy HOUR

MONDAy - FRiDAy3 PM - 6 PM

$2.00 OFF COCkTAiLS $2.50 DOMESTiC DRAFTS

$3.00 iMPORT DRAFTS

December Line Up12/09..........................Lucky Hero

12/10...................Natural Heights

12/14........Individuals Jam Night12/15 ...............Bands Jam Night

12/16................................Mattina

12/17..........................Soundcake


12/23..........................Kenny Hale

12/24.............................Slingshot


12/30.............................Freestyle

12/31 .........................Those Guys

Minimum $1,000.00in scholarships upfor grabs.

Huntington Beach,CAThe 2012 MissHuntington BeachScholarship Pageantcommittee is seekingapplications from girlswishing to change theirlives forever.

Those girls who arebetween 17-24 years-of-age,and either work or live inHuntington Beach canapply now at www.mis-shb.org.

The contest fort h e c r o w n i sFebruary 4 andwill be held at theHistoric HuntingtonBeach High SchoolAuditorium.

Sponsored bythe Sand Dollars,

t h e n e w M i s sHuntington Beachand her court receivescholarship moneyand annually theQueen competes inJune for the title ofMiss California.The winner of MissCalifornia goes onto compete for theMiss America Title.

The Miss AmericaPageant annuallycontributes $45mil l ion dol lars toscholarships.

Foreign high school students arescheduled to arrive soon for academicsemester homestay programs, andthe sponsoring organization needsa few more local host families.The students are anxiouslyawaiting news of their newfamilies. This is the last chancefor these young ambassadors tofulfill their life-long dreams.

According to Pacific InterculturalExchange (P.I.E.) President, JohnDoty, the students are all between theages of 15 and 18 years, are English-speaking,have their own spending money, carry accidentand health insurance, and are anxious to sharetheir cultural experiences with their newAmerican families. P.I.E. currently has

programs to match almost every family's needs,ranging in length from one semester to a fullacademic year, where the students attend local

public and private high schools.

P.I.E. area representatives match studentswith host families by finding common interestsand lifestyles through an informal in-homemeeting. Prospective host families are able toreview student applications and select theperfect match. As there are no "typical" hostfamilies, P.I.E. can fit a student into just aboutany situation, whether it is a single

parent, a childless couple, a retiredcouple or a large family.

Families who host forP.I.E. are also eligible toclaim a monthly charitablecontribution deductionon their itemized taxreturns for each month theyhost a sponsored student.

For the upcoming programs, P.I.E.has students from Germany, the Former

Soviet Union, Venezuela, Argentina,Brazil, Denmark, Korea, Mexico,

Thailand, Ghana, China, andmany other countries. P.I.E. isalso participating in twospecial government-fundedprograms to bring scholarshipstudents from the NewlyIndependent States of the

former Soviet Union as wellas predominantly Islamic

countries such as Yemen, Syria,Jordan, Morocco, Kuwait, Iraq and

Qatar to the United States.

P.I.E. is a non-profit educational organizationthat has sponsored more than 25,000 studentsfrom 45 countries since its founding in 1975.The organization is designated by the UnitedStates Department of State and is listed bythe Council on Standards for InternationalEducational Travel (CSIET), certifying that theorganization complies with the standards setforth in CSIET's Standards for InternationalEducational Travel Programs.

Doty encourages families to contact the program immediately, as it will allow theproper time for the students and hosts to get toknow one another before they actually meet forthe first time.

Families interested in learningmore about student exchange or

arranging for a meeting with acommunity representativemay call P.I.E., toll-free,

at 1-866-546-1402.The agency also

has opportunities forcommunity volunteers to

assist and work with area hostfamilies, students and schools.M

issHBPageantContestantsWanted Give Your Family the Gift of

Culture This Holiday Season


Appreciate the healing possibilities:


6/17


7/17

The pilotless X-37B OrbitalVehicle has been silentlycircling the planet for the

past nine months and the Air Forcehas announced it will continue itsclassified mission indefinitely.

W.J. Hennigan of the Los AngelesTimes reports the X-37B resemblesa smaller version of the space shuttleand is said to test various newtechnologies in space.

Via CSM:

"We initially planned for a nine-month mission, which we areroughly at now, but we will continueto extend the mission as circum-stances allow," Lt. Col. TomMcIntyre, the spacecraft'ssystems program director,

said in a statement."Keeping the X-37in orbit will provideus with additionalexperimentationopportunities andallow us to extractthe maximum valueout of the mission."

The X-37B was built in tightsecrecy by Boeing Co.'s Space andIntelligence Systems unit inHuntington Beach, Calif. Engineer-ing work was done at the company'sfacilities in Huntington Beachand nearby Seal Beach. Othercomponents were fabricated atits satellite-making plant in ElSegundo, Calif.

The classified nature of theX-37B has prompted speculationthat the ship is the first step in anorbiting weapons array able todrop bombs or disable satellitesof US enemies.

The X-37B MysterySpacecraft

Miss

California toEmcee the2012 Miss

FountainValley

ScholarshipPageant

The 2012 Miss Fountain Valley Pageant have announced that Miss California2009, Kristy Cavinder, is scheduled to bethe emcee at the March 10 pageant. Thepageant is being revived after a 20-year

hiatus, and has attracted 33 contestantswho will vie for scholarship awards.Meanwhile, the pageant board isseeking corporate and private donationsto fund the scholarship awards.Information: [email protected] www.missfv.com

13



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heLocalNews,December01,2011

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12

(714) 846-12375944 Warner Avenue at Springdale in Huntington Beach

Open Monday - Friday 8:30am - 6:30pm & Saturdays 9am - 5pm

This program gives children a daily balanceof playtime and artistic expression; a perfect tandemfor any growing imagination. In addition tobouncing and exploring, kids enjoy an array of

games and activities. Socks required for bouncing.

These sessions are offered for ages 4 10years on Mondays Wednesdaysfrom 9:00AM 2:00 PM fromDecember 19th December 21stand from December 26th

December 28th and will be held atBounceU of Huntington Beach, located at 5445 Oceanus Drive. Thesession fee for each of these sessions is $109.

Check out the classes online at www.sealbeachca.gov; underCommunity Services; Shoreline guide or contact the Seal BeachCommunity Services Office at (562) 431-2527 EXT. 1344, tosign up today!

Seal Beach Activities


BOUNCE U Create & Bounce

Open Gym Volleyball

This program is for individuals looking to play extra volleyballgames on a recreational level. The gym and play is supervised by

experienced volleyball professionals. Multiple courts are availablebased on skill levels. Purchase a punch card from the CommunityServices Department. For additional information, please call(562) 431-2527, ext. 1341l

This program is held on Wednesdaysat McGaugh Campus, located at 1698Bolsa Avenue December 14 March 7from 7:00 9:00 PM for ages 18+ years.

Check out the class online atwww.sealbeachca.gov; under Parks andRecreation; Shoreline Recreation guideor contact the Seal Beach Recreation andCommunity Services Office at (562) 431-2527 EXT. 1344, to sign up today!


8/17



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14 15



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TRY OUR

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All advertised prices exclude government fees and taxes, any finance charges, any dealer document preparation charge, and any emission testing charge. Financing in lieu of factory rebates for all advertised vehicles. *Must finance through Mitsubishi Motors Credit of America to qualify. All dealer added accessories at retail price. Offer good through close of business Tuesday 12/13/11. Photos for illustration purposes only.

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06 Mazda 3Mileage: 77,536

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04 Audi A8 L 4.2 SedanMileage:85,198Stock #: CM1459Price: 19,999

09 Jeep WranglerMileage: ???????

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Lease an Outlander Sport ES with CVTfor $199 a month, 36 month lease, $2,398 due

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03 Hummer H2 SUVMileage: 121,014Stock #: CM1560

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07 Ford Mustang GTMileage: 37,514

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11/17

21



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20

ITS ABOUTSAVING LIVES

Thats why our commitment to our patients is to providequality care, comprehensive services, innovative technology andskilled physicians to meet our communitys needs.

First Accredited Chest Pain Center in Orange County

Primary Stroke Center certified by The Joint Commission

An Orange County EMS Cardiac Receiving Center

Award-winning Coronary Artery Disease Care, Heart Failure

Care and Stroke Care as recognized by The American Heart

Association/American Stroke Association 24-hour Emergency Department with surgical back up

17100 Euclid St., Fountain Valley, CA 92708

NEED A DOCTOR?

CALL (714) 979-1408 FOR AFREE PHYSICIAN REFERRAL OR VISIT

WWW.FOUNTAINVALLEYHOSPITAL.COM

For over 11 years, Colettes Childrens

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women & children with emergency

and transitional housing.

Their mission: Colettes Childrens Home

provides a safe and nurturing environment

where at-risk women and children can

obtain support & services needed to

achieve self-sufficiency.

(714) 596-1380www.Heautontimorumenoss.orc

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HUNTINGTON BEACH - Becauseyour home may well be yourlargest asset, selling it is probablyone of the most important decisionsyou will make inyour life. And onceyou have made thatdecision, youllwant to sell yourhome for the highest

price in theshortest time

possible withoutcompromisingyour sanity.Before you placeyour home on themarket, heres a way tohel p you t o be as

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Paid ad. Paul Mandeville, FirstTeam Real Estate DRE 01866020

In the continual effort to help the business community in FountainValley to prosper, the Fountain Valley City Council has recentlyadopted changes to the Citys Sign Code. These adopted changesinclude a new administrative sign permit process to streamline the

permitting process, a reduction in sign permit fees, and less overallsign restrictions. Under the new Sign Code

All commercial/industrial properties maynow have a monument sign;

Allowable monument sign size has been increased;

Awning and canopy signs are now allowed; and,

Gas stations can now use LED band lightingand LED digital monument signs.

These changes to the sign code have been made in an effort to givelocal business more opportunities to promote themselves. For moredetails regarding the new change s, please refer to the Fountain Valley

Municipal Code Chapter 21.24 or call Assistant Planner Matt Jenkinsat 714-593-4425.

Signs of our times...FV steps up!

27 Quick & Easy Fix Ups toSell Your Home Fast and for

Top Dollar


12/17

23


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22

Dear EarthTalk:Ive heard of green

roofs, but what are

green walls? P. Spencer, Alcoa, TN

Green walls (also knownas biowalls, verticalgardens or verticalvegetated complex walls) arewall structures partly composedof or filled in with growing

plant matter. More than justeasy on the eyes, green wallswork like green roofs by filteringair and water, soaking up carbondioxide and helping lessenthe heat island effect of

urban areas while reducing airconditioning costs in theirhost buildings.

The self-proclaimed creatorof the vertical garden concept,French botanist Patrick Blanc,

pioneered the use of hydro-ponic cultivation techniques plants grow in an irrigatedmineral nutrient solutionwithout the need for a soilsubstrateto create largegreen wall installations in bothresidential settings and within larger publicstructures and even office buildings from Singa-

pore to San Francisco and points in between.Blanc's installations start by placing a metal

frame on a load-bearing wall or structure. Theframe supports a 10-millimeter-thick PVC plate,upon which are stapled two 3-millimeter-thicklayers of polyamide felt. These layers mimiccliff-growing mosses and support the roots ofmany plants, he says, adding that a network of

pipes and valves provides a nutrient solution ofdissolved minerals needed for plant growth. Thefelt is soaked by capillary action with this nutrientsolution, which flows down the wall by gravity.

The roots of the plants take up the nutrientsthey need, and excess water is collected at the

bottom of the wall by a gutter before being

re-injected into the network of pipes: The systemworks in a closed circuit. Plants are chosen fortheir ability to grow in this type of environmentand depending on available light.

Each vertical garden is a unique wallcomposition of various types of plants that has totake into account the specific surroundings of the

place in which it is created, says landscapearchitect Michael Hellgren, who founded the firmVertical Garden Design in 2004. It is not onlythe colorful interplay between the plants on agreen wall that is fascinating, but also the ap-

pearance of the wall itself, which changes daily.Hellgren, who has designed and implemented

large green walls in his home country of Swedenas well as in Spain, Portugal and Italy, amongother locales, sources plants for his projects fromvarious climate zones around the world. Hisfavorites are so-called lithophytes: plants thatcan grow on rocks, branches and tree trunkswithout necessarily being rooted in soil. Among

other things these climbing plants have theenormous advantage of their roots acting as ex-cellent natural drainage on the wall, he adds.

While large vertical gardens are surelyimpressive, critics questionthe sustainability of suchendeavors, given the energyinputs needed to run the

pumps and other equipmentused to maintain propernutrient and air flows, and theemissions caused by themanufacture and transport ofspecialized materials. Also,larger green walls need morewater than rain alone can

provide, and thus dont neces-sarily save water. But as thefield matures, practitionersare finding wider arrays of

plants to choose from that are better at taking care ofthemselvesand scaling

back on inputs and supportingmachinery with the hope thatone day many of the wallswill be self-sustaininggardens that cleanse ourdirty air and compromised

storm water.

For thoselookingto im-press a wine enthusiast, it's a dauntingtime. Department stores offer little thatwould please an oenophile, and thestaff at Best Buy doesn't know a thing

about wine. The internet, meanwhile,presents too many options!

Relax. Wine lovers are easy to please,regardless of your budget. Here are mytop picks.

If you're shopping for a friend orfamily member, I'd suggest a wine clubmembership. Whether you're spendingmoney on a complete novice or the nextIron Sommelier, everyone appreciatestrying new wines.

To start, check out the California WineClub (CAWineClub.com).About 20 years ago, the owners

Bruce and Pam Boring realized thattheir favorite wines came from small,family-owned wineries in Californiarecommended by friends. Too often,these wines were difficult to find acrossthe country. So they launched a wineclub to that would always feel like "onefriend recommending a great bottle ofwine to another."

Today, they offer artisanal winesfrom across California at a number ofdifferent price points. The entry-leveloption the "Premier Club" startsat $49.95 per shipment.

TastingRoom.com is also worthexploring -- as it literally brings the tast-

ing room to your living room. Launched just two years ago by a successful techentrepreneur, the company transfers wineinto miniature bottles (in a sealed,zero-oxygen chamber), allowing con-sumers to sample a host of wines withouthaving to purchase an entire bottle. Wine

club membership startsat $29.99 per month.

Newspaper wine clubsare also fun, especially

for a novice. Over thepast three years, the NewYork Times, Wall StreetJournal, USA Today, andmany other papers haveentered the wine business. WineSpectator reviewed these clubs,

and gave its highest praise to the NewYork Times for offering "the mostinteresting selection in terms of bothquality and diversity." These can be

pricey, though. The New York Times'"Sampler" club costs $90 per shipment.

Books also make good gifts.

If you're shopping for abudding oenophile, pick herup a copy of Kevin Zraly's"Windows on the WorldComplete Wine Course."For good reason, it's beenin print for nearly 30 years.

If you're shopping for awine enthusiast who already

has a stocked bookcase, pickhim up a copy of Evan

Dawson's "Summer in aGlass," which chronicles thestory of New York's Finger Lakes

wine region by profiling 12 keywinemakers and growers. I've read

about 25 wine books this year, andDawson's was my favorite.

Actual wine also works. But to makean impression, you'll want something thatisn't easily found at the supermarket butis also recognizable. Napa ValleyCabernet Sauvignon is alwaysmemorable, and Hall Winery, ChimneyRock, and Robert Craig would fit this

bill. They're pricey butdelicious. Of course, if yougo this route, don't hesitateto ask the knowledgeablestaffer at your local wineshop for advice!

If you're shopping foryour boss or a client,

personalized and custom-en-graved wine bottles are fun. At Personal-Wine.com, you can do this on bottlesranging from $20 (for a ChileanChardonnay) to $119 (for a worldfamous Super Tuscan).

Whatever you do, don't waste money.I've never seen the point of a wine

stopper (even if it looks like a chimney,with Santa perched on top), and no wine

enthusiast wants a kitschy wine glass,even it's painted with a drunken reindeer.The latest gadgets, too, are typically awaste -- cordless rechargeable wine

bottle openers always seem more diffi-cult to use than traditional waiters tools.

The holidays are supposed to be a timeabout giving, but receiving is also fun. Sohopefully, the wine enthusiasts in yourlife will share the bounty -- and pull somecorks with you this season!

Dreaming of aWine Christmas?

The information contained in this column does notnecessarily reflect the opinion of The Local News.

EarthTalk From the Editors of

E/The Environmental

Magazine

CONTACTS:

Patrick Blanc,www.verticalgardenpatrickblanc.com

Vertical Garden Design,www.verticalgardendesign.com

On the Vine

EarthTalk is written and edited byRoddy ScheerandDoug Moss and is a registered

trademark of E - The Environmental Magazine(www.emagazine.com).

SEND YOUR QUESTIONS TO:

[email protected]:

www.emagazine.com/ subscribe;Free Trial Issue:

www.emagazine.com/trial.

David White


David White, a wine writer,is the founder and editor ofTerroirist.com. His columns arehoused at Wines.com, the

fastest growing wine portal onthe Internet.

FOR OVER 100 YEARS...LIFE. POWERED BY EDISON.

PLAY IT SAFEAround Holiday Lights

As you begin preparing for the holiday season,

we remind you to follow these important safety tips:

Do not use decorative lighting with frayed cords and wires,broken fuses or broken light bulbs.

Do not use staples, nails or tacks to hang electrical cords.These can pierce the protective insulation.

Use only Underwriters Laboratories (UL) approved lightingand extension cords.

Plug no more than three strands of lights into eachelectrical cord/outlet.

Ensure live trees are well watered, and keep electric cordsaway from tree stands with water pans.

Never use lighted candles on or near holiday treesor decorations.

Remember to unplug decorative lights when you leavehome and before going to bed.

We wish you and yours a safe and happyholiday season. For more safety tips, please visit

www.sce.com/holidaysafety

Pete & Nikki are back

The gift-giving season is in full swing.


[email protected]

714.914.9797

Twas the night before Christmaswhen all through the houseI searched for the tools tohand to my spouse.Instructions were studied andwe were inspired,In hopes we could manage"Some Assembly Required."

The children were quiet (not asleep)in their beds,While I faced the evening with dread:A kitchen, two bikes, Barbie'stown house to boot!And, thanks to Grandma, atrain with a toot!

We opened the boxes, my heartskipped a beat....Let no parts be missing orparts incomplete!Too late for last-minutereturns or replacement;

If we can't get it right, it goesin the basement!

When what to my worrying eyesshould appear,

But 50 sheets of directions,concise, but not clear,With each part numbered andevery slot named,So if we failed, only we could be blamed.

More rapid than eagles theparts then fell out,All over the carpet they werescattered about."Now bolt it! Now twist it!Attach it right there!Slide on the seats, and staple the stair!Hammer the shelves, and nail to the stand."

"Honey," said hubby, "you justglued my hand."

And then in a twinkling,I knew for a factThat all the toy dealers hadindeed made a pactTo keep parents busyall Christmas Eve nightWith "assembly required"till morning's first light.

We spoke not a word, butkept bent at our work,

Till our eyes, they went bleary;our fingers all hurt.The coffee went cold andthe night, it wore thinBefore we attached thelast rod and last pin.

Then laying the tools away in the chest,We fell into bed for a well-deserved rest.But I said to my husband justbefore I passed out,"This will be the best Christmas,without any doubt.

Tomorrow we'll cheer,let the holiday ring,And not have to run to thestore for a thing!We did it! We did it! The toys are all setFor the perfect, most perfect,Christmas, I bet!"

Then off to dreamland andsweet repose I gratefully went,Though I suppose there'ssomething to say for those self-deluded...I'd forgotten that BATTERIESare never included!

A Parents Night Before Christmas:

I am sure you have all lived parts of this...


13/17

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24

Questions & AnswersFrom the Mailbag 714.536.6300

Moe News Than You Can Handle:Main Street Eyewear Looks at Life

Through Designer GlassesMoe Kanoudi

I Have 3 Thoughts Today

Detai

ls

atDe

alers

Wow!


A formidable Gun Control activist was a guest at a recent ruralelementary school assembly in East Texas , asked the audience for total

quiet. Then, in the silence, he started to slowly claphis hands once every few seconds, holding theaudience in total silence.

Then he said into the microphone, 'Children,every time I clap my hands together, a childin America dies from gun violence.'

Then, little Richard Earl, with a proud EastTexas drawl, pierced the quiet and s aid:

"Well, dumbo, stop clapping!"

No English dictionary has beenable to adequately explain the dif-ference between the two wordsCOMPLETE and FINISHED andin a way that is easy to understand.

Some people say there is nodifference between COMPLETEand FINISHED!

I beg to differ because there isa difference. When you marrythe right woman, you areCOMPLETE!

And when you marry the wrongwoman, you are FINISHED!

And when the right one catchesyou with the wrong one, you are "COMPLETELY FINISHED!!!

I have been in many places, but I'venever been in Cahoots. Apparently, you

can't go alone. You have to be in Cahoots withsomeone.

I've also never been in Cognito. I hear no onerecognizes you there.

I have, however, been in Sane. They don'thave an airport; you have to be driven there. Ihave made several trips there, thanks to myfriends, family and work.

I would like to go to Conclusions, but youhave to jump, and I'm not too much on physicalactivity anymore.

I have also been in Doubt. That is a sad placeto go, and I try not to visit there too often.

I've been in Flexible, but only when it wasvery important to stand firm.

Sometimes I'm in Capable, and I go theremore often as I'm getting older.

One of my favorite places to be is in Sus-pense! It really gets the adrenalin flowing andpumps up the old heart! At my age I need all thestimuli I can get!

And, sometimes I think I am in Vincible butlife shows me I am not!

I have been in Deep doo doo many times; theolder I get, the easier it is to get there

The 2011 Jeep Compass helpedChrysler see strong November sales(Chrysler).

November auto sales are showingthat people can only delay car pur-chases so long, even in a prolongedeconomic slump, as they came backto showrooms in droves last month.

Chrysler, Ford, Nissan and Hyundaiwere among the companiesreporting double-digit gains fromlast November, which is normallya lackluster month because ofcolder weather, holidaydistractions and a historical

pattern of delaying newcar purchases until afterthe New Year. But this

past November, buyerswere lured by gooddeals, improvingconfidence in theeconomy and the needto trade in older cars.

"Consumers are juststarting to say 'it's time to startspending money again,'" said LarryDominique, executive vice

president of data for the

TrueCar.com automotive website.An early blitz of holiday

advertising helped convince somepeople that it was a good time to buy. Ken Czubay, Ford's vicepresident for U.S. sales, says dealerssaw the same rise in sales that othermerchants did on Black Friday andthe Saturday after Thanksgiving.

Several analysts expect the paceof U.S. auto sales to be the fastest inmore than two years. They projectthe annual rate for November torange between 13.3 million and 14million cars and trucks aftercarmakers finish reporting newvehicle sales Thursday. That's afar better rate than the 12.6million through the first 10 monthsof the year.

Sales could even approach the

14.1 million annual pace from Au-gust of 2009, when the governmentoffered big rebates for drivers totrade in their gas-guzzling clunkers.

Car companies expected sales toimprove as people who held ontocars during the economicdownturn return to themarket. The averageage of a car on U.S.roads is

a record10.6 years, according to Polk, anauto industry research firm. And therate of cars that are scrapped hassurpassed sales for several years.

"While unemployment andunder-employment continue to dogthe economy, automakers are doingeverything they can to draw thosewith secure incomes off the sidelines,"says AOL Editor-in-Chief DavidKiley. "It helps that smaller, cheapervehicles are better than ever, andattracting people who are tradingdown from higher prices."

Toyota's sales rose 7 percent forthe month, the first time thecompany has seen a year-over-yearincrease since April when its sales

began suffering because of supplyinterruptions due to the Japaneseearthquake in March. Sales of thesubcompact Yaris more thandoubled. Sales of the Prius hybrids

- which now include the original caras well as the new Prius V wagon -were also strong.

Chrysler Group LLC's sales rose

aw h o p -

ping 45 p e r c e n tfrom a year

earlier. Theywere led by

the Jeep Compass small SUV,which had a nearly ten-fold increasein sales due in part to heavydiscounting. Jeep brand sales rose50 percent, while Chrysler brandsales nearly doubled on strongdemand for its 200 and 300 sedans.Chrysler raised its incentives tonearly $3,300 per vehicle, up 6

percent from October.

At General Motors Co., buyerssnapped up small cars and pickuptrucks. Sales of the highlyacclaimed Chevrolet Cruze compactrose 64 percent, while the Silverado

pickup, GM's top-selling vehicle,saw sales jump 34 percent.

"We are seeing a broad spectrumof customers return to the market,"says Don Johnson, GM's U.S. sales

chief. GM's overall sales wereup 7 percent.

Ford's sales rose 13 percent,fueled by the new Explorer SUV,

whose salesmore than tripled over last November.

The increases reflect improvingconsumer confidence, which rose toits highest level since July lastmonth, according to the Conference

Board.Other automakers reportingThursday:o Nissan Motor Co. says sales

were up 19 percent. The new Versasmall car led sales with a 38 percentincrease, but SUV and truck salesalso rose 32 percent.o Hyundai Motor Co. says

sales rose 22 percent thanks to salesof the new Elantra, which jumped44 percent.oVolkswagen AG says sales were

up 41 percent on the strength of thenew Jetta and Passat sedans.Volkswagen sold 6,018 Passats in

November, compared to 374 lastNovember.

Associated Press contributed tothis report.

#3. Deep Doo Doo

#1. A Formidable Gun Control Activist #2. COMPLETE and FINISHED

Improved Auto Sales Brighten Economic OutlookConsumers with older cars coming off the sidelines to buy

COMPLETE

FINISHED


14/17

27


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26

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Selling at a recommended street price of just $38.72983352, thenew Fortis IQ Art Edition LEautomatic watch was designed by anarchitect and a business tycoon RolfSachs, the man standing behindthe Fortis B-42 one-handed timekeeping instrument and lots of other

pieces of art.Surprisingly, while most of his

chairs, lamps and mail boxes are notparticularly comfortable (if not to saydownright unusable), this simplemasterpiece of industrial design willdefinitely serve its purpose, even if youhad an average F in math.

Fortis IQ Art Edition LE automaticwatch by Rolf Sachs

Being the real nerds watch, the FortisIQ pays little details to such unimpor-tant things as accessories.The time-keepers black leather strap looks rathercheap (at least, for theasked price of

22500*10 USD)and its black PVDcoated 40mmcase would

be an idealchoice

for a pilots watch, but looks not verygood on this very model.

However, these small design flaws areindeed of minor importance.

The main point ofinterest of the newFortis IQ Art Edition LEis the dial.

With its matte dark-greencolor and white numerals,the thing looks like aschool chalkboard thatwas used and abused bya not so brilliant student.

Although the numeralsare stylized to look likechalk marks, they areactually printed withsome luminous stuff sothat you wont havea hard time doing your math evenin darkness.

Powered by the well-known ETA2824-2 automatic movement, the

w a t c hfe a t ure sthe usualfunction-ality: itdi splaysh o u r s ,minutes,s e c o n d sand has as i m p l e

3 1 - d a ycalendar.And it is the

date window at 90that somewhat spoils

the picture with itsstandard calendar wheel

with usual Arabic numerals on it. If notthis design mistake, the IQ editionwould indeed have a good chance to

|become a piece ofmodern art.

Only 999 Fortis IQArt Edition LE will

be sold.Fortis IQ Art

Edition LEa u t o m a t i cwatch byRolf Sachs(numberedcaseback)

Free Con-sulting Serv-ices to beProvided toSmall Local Man-

ufacturers, The City has partneredwith California ManufacturingTechnology Consulting (CMTC), tosupport the Small Manufacturers Ad-

vantage (SMA) program, a programespecially designed to meet the criticalneeds of manufacturers with annualsales of $10 million or less. Manufac-turers, assemblers, fabricators or jobshops with $150,000 to $10 million inannual sales, are eligible for access toSMA services, of which a partial listincludes: personalized businessconsultation, customized training, leanenterprise tools to streamline andimprove processes, sales and marketingcoaching, cost analysis tools, and refer-rals to other low-cost and no-cost

business assistance resources. Theprogram is funded by a federal grant toCMTC, so there is no charge forqualifying businesses to participate.

Services are provided to each business for a six-month period, andmay be extended by an additional year.The City is sending letters to potentiallyeligible businesses, and CMTC will bein contact with each business to providemore information. This program isintended to provide support to help ourlocal businesses prosper and thrive,consistent with the Citys Ten PointPlan for Local Business. For moreinformation visit : http://www.hunting-tonbeachca.gov/business/resources/agencies_program_resources.cfm.

Photos: Fortis

Fortis IQ Art Edition LE auto-

matic watch specification :

Price range: $1500

Movement: ETA 2824-2

Complications: Date

Power reserve: N/A

Case material: PVD coated

stainless steel

Case diameter: 40mm

Case height: 12.5mm

Dial: Dark-green

Water resistance: 200m

Strap: Black leather with strap

Crystal: Sapphire crystal

Are you a time piece aficionado?


15/17

The Orange County WaterDistrict (OCWD) Board ofDirectors made a decision ata recent Board meeting that willresult in a savings of $29 million for

our water users served by thisDistrict. Essentially the savings isa consequence of the above normalrainfall and snow pack of last yearand the opportunity to rechargeour water basin with water fromthe Colorado River and from

Northern California.

Thanks to a program offered bythe Metropolitan Water Districtof Southern California(MWD), some additionalwater became available for

purchase through itsReplenishment Program.This program allows forexcess water MWD has fromits imported water suppliesfrom Northern California andthe Colorado River to be purchased

by groundwater agencies in theMWD service area at a reduced

price. This price reduction is anincentive for agencies to fill theirgroundwater basins when importedwater is plentiful so that it can be

used in dry years aregional benefit byavoiding and/or reducing

the need of importedwater during timesof drought.

This water is notavailable every year;in fact it has not

been available forthe past four years

because of dry weatherconditions. Knowing thatthis water is not alwaysavailable, the Orange

County Water District hasbeen setting aside moneyin its budget so that whenan opportunity becameavailable it would be ableto purchase this replenish-

ment water. It was because thesemonies had been saved that overthis past summer OCWD was ableto purchase approximately 93,000

acre-feet* or 30.3 billion gallons ofreplenishment water to significantlyrefill its groundwater basin at a costof $43 million. This same amountof water would have cost $72million without the program.

Most of this replenishment waterwas delivered to the OCWDsrecharge basins in Anaheim where

it naturally percolated into thegroundwater basin.

By purchasing these additionalwater supplies, water levels in thegroundwater basin are now nearoptimum levels, which will helpassure adequate supplies ofgroundwater. This is just one of theways OCWD manages the basin to

promote an adequate supply ofclean, fresh water at a reasonablecost to the citizens and taxpayers ofthe District.

* 1 acre-foot is equivalent toapproximately 326,000 gallons,enough water for two familiesof four.

29


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28

The number one most challenging part ofmy job is that I cant help everyone.Every day I speak with homeowners whowould like to refinance their home into morefavorable terms: terms that will help them andtheir family regain financialstability. As much as Id like tohelp them, my desire alone issimply not enough. As alender, I am limited to providingloans according to the termsset forth by Fannie Mae andFreddie Mac.

A new hope for homeown-ers came in January of 2011when Barbara Boxerintroduced S.170 into the

Senate. Better known asthe Helping ResponsibleHomeowners Act, S.170would replace the currentHARP program and makerefinancing into morefavorable terms a viableoption for a much larger

percentage of homeowners especially thosewith little to no equity.

The current Home Affordable RefinanceProgram, better known by the acronymHARP, has generated a lot of media attentionfor Fannie and Freddie. It is currently the only

program that allows homeowners in a negativeequity position to refinance their home.Homeowners who owe between 80 and 95

percent of their houses value and are eligible torefinance through other programs will find thatthe HARP program is the most financially

beneficial for them. These points have beendiscussed in great detail by the media.

Although the benefits of this program havebeen well discussed, the HARP

program has signifi-cant shortcomingsthat have been givenlittle to no mediacoverage. The largestshortfall is that fewerthan 5 percent ofAmerican homeownersare eligible to benefitfrom it. This means that

the remaining 95 percentof us need to find otheralternatives in an alreadycrunched credit market.Homeowners with littleto no equity will find theiroptions to be extremelylimited. The most challengedare those who owe more

than their house is worth. These homeownerssimply have no options to refinance if theyare not eligible for the HARP program whichvery few are.

Under S.170, many of the restrictions whichexist under the current HARP program would beeliminated. The biggest change would be theremoval of loan level adjustments. Under the

current HARP program,homeowners are eligibleto refinance even ifthey owe up to 125%of their propertysvalue. However,the rates availableto these homeown-ers are not the same as the rates available tothose with more equity. Under instructions byFannie and Freddie, lenders instill these loanlevel adjustments to provide slightly higher ratesto those in a negative equity position.

As proposed, S.170 first eliminates the 125%maximum LTV. This would enable someone torefinance even if the balance on their mortgagewas double, or even triple the value of their

house. As long as these homeowners hadremained current on their mortgage and wantedto refinance, they would be able to under this

program. Moreover, S.170 eliminates thepractice of loan level adjustments, meaning thatthis same homeowner would be able to receivethe same best interest rate afforded to thosewith more equity.

Asecond significant improvement af-forded by S.170 is the elimination ofHARPs delivery date requirement.Under current legislation, HARP requires a loanto have been delivered to either Fannie Mae orFreddie Mac prior to March of 2009. This effec-tively means that any loan originated after Jan-

Arnaud Dufour

The information contained in this column does notnecessarily reflect the opinion of The Local News.

Stalled in the SenateArnaud Dufour

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: [email protected]

Call: 714-677-4107.

CA DRE # 01360217 NMLS# 335758

Cathy Green was elected to

OCWD in November 2010.

She served two terms on the

Huntington Beach City Council

and was Mayor twice.

Huntington Beach has been

home to the Green Family

over 41 years

When is a foot a lotwhenit is spread over an acre


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