T HE PR ESS’ SPR ING
April 13, 2018
E D I T I O N
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APRIL 13, 2018
Housing Wealth and Volatile Financial Markets!
I
t was spring in January and then winter
security through-out our extended retirement years. It is a wonderful gift to have the extra years and it is our responsibility to educate ourselves, so we can enjoy them in what I like to call ‘funtirement’.
in March. The daffodils and the crocus sprouted just after New Year’s enjoying
I have 35 years in the mortgage business with the last 10 of them dedicated to educating seniors about reverse mortgages. I do not offer all types of mortgages, I only offer the one that is important to you. Reverse mortgages are unique and complex. Discussing your wants and needs, face to face, with a reverse mortgage professional is essential to the immediate success, and the long-term success, of your decision.
the springtime temperatures. February proved the blossoms to be right as the sun continued to shine. Along came March and the rains fell like nobody’s business. We are once again enjoying the springtime temperatures, at least during the day time. I left the house early yesterday morning and I was dressed for winter, just as I had been the day before. By 1:00 it was 75 degrees. As I stood by my clients damaged pool trying to determine if a reverse mortgage could help her with the repairs, I was sweltering with my sweater and my boots. By the time I got home there was a chill in the air and we had a fire in the fireplace. I feel like Wall Street is following suit with California weather. What is going on? We are down 700 points, up 300 pts, down 200, and then back up again. The volatility in the markets is unnerving at best and downright frightening at worst. This is especially true for those who depend on income from market investments. If your portfolio is invested in the market you have certainly experienced some palpitations over the last several weeks. During times like right now, retirees must continue to pay their bills and live their lives. They cannot hold off until the markets settle down. What happens is, according to the financial plan, retirees continue to draw from their portfolio. They are forced to liquid investments at inopportune times because the bills continue to arrive. Financial advisors have continued to exclude housing wealth from a client’s total portfolio relying instead on a steady uptick in the markets. Their focus on other asset classes, excluding home equity, requires them to make some extraordinary assumptions about continuous growth in the financial markets. While these assumptions are made looking at the long haul, they may or may not hold true on a month to month, or year over year, basis. The financial plan is drawn up making the required assumptions and when we experience volatility like this people tend to bury their heads in the sand. The draws from the portfolio continue per the plan and ultimately, if the assumptions turn out to be erroneous over any extended period, for any variety of reasons, your money may or may not last until you die. We all know this is a risk. It is not any one financial advisors “fault”. This is how retirement planning has been done and it has worked out okay for lots of people. Unfortunately, it has not turned out well for lots of other people. We are living longer than we were “supposed to”, we are more active for more of those years, and then when we do slow down due to health and/or age, the cost of health care is enormous. These issues have created a surge in new research on how we are going to fund these additional years and actually be able to enjoy them. At the 2018 Housing Wealth in Retirement
There are plenty of 1-800-reversemortgage companies who work out of call centers in San Diego, Oklahoma, Michigan, or Louisiana. They will mail out a package with little to no explanation as to what you are signing, and then bombard you with multiple phone calls a day telling you to sign quickly before ‘this limited time offer expires’. Beth Miller-Rowe has been in the mortgage industry for 36 years specializing in reverse mortgages for the past 10 years. Beth has degrees in economics and business administration.
Symposium in Washington, Jamie Hopkins, professor at American College of Financial Services, said “I find it shocking financial advisors haven’t paid much attention to housing wealth in retirement. That has to change.” James Lockhart, the co-chair of the Bipartisan Policy Center’s Commission on Retirement Security, said at the conference, “Home equity creates much more stability in retirement.” At the same conference, Wade Pfau, also a professor at the American College of Financial Services, said “A reverse mortgage helps preserve a portfolio and gives it a chance to recover”. By adding a retirees housing wealth into the financial plan it creates an alternative to drawing down the investment portfolio when the markets are tumultuous. This is even more important when we are in a bear market. Barry H Sacks, J.D., Ph.D. and Stephen R. Sacks, Ph.D. co-authored a study called “Reversing the Conventional Wisdom: Using Home Equity to Supplement Retirement Income”. The study begins with the Retiree’s assumed objective – to avoid “running out of money”. They review two strategies for using home equity; The Active Strategy and The Last Resort Strategy.
I am local, I meet with you in the comfort of your own home, and we discuss your goals. I will review the program, the costs, the pros and cons, and the process. I will leave all the information with you to review, mull over, and decide if it is right for you. If you want a second visit to ask questions or re-review the program I am happy to come back. I do “repeats” often and I am happy to do so. A reverse mortgage is a complex financial transaction. We are talking about your home, your money, and your future. You deserve the time and respect to think things through without pressure or obligation. If you are interested in information and education without the hard sell, call me today! – Advertorial
Let’s take a look and see if we can Make Your Retirement Dreams Come True.
Beth Miller-Rowe Branch Manager and Reverse Mortgage Specialist
The Reverse Mortgage Group • A Division of American Pacific Mortgage Corp.
Office: 925-969-0380 Cell: 925-381-8264 Beth@YourReverse.com
3478 Buskirk Ave., Ste. 1000 Pleasant Hill, CA 94523
The Active Strategy includes using a reverse mortgage earlier in retirement to manage income tax consequences of drawing other funds, as well as, to avoid being forced to liquidate investments when the markets are off. The Last Resort Strategy assumes that a retiree uses their available cash resources first and then takes out a reverse mortgage when they have run out of money. The conclusion of the study states: “the Active Strategy gives substantially greater cash flow survival probabilities than the Last Resort Strategy. And, incidentally, the Active Strategy results in a significantly higher median residual net worth (at the end of retirement) than does the Last Resort Strategy.”
Your Retirement Dreams Can Come True! A Division of American Pacific Mortgage Corporation NMLS 1850
BRE: 00950759/01215943 • NMLS: 294774/831612/1850
Licensed by the Dept of Business Oversight under the California Residential Mortgage Lending Act
The message is a simple one. We must look for new strategies to ensure we are able to enjoy financial
Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency.
HOME & GARDEN
APRIL 13, 2018
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3B
Keep your cool this summer with Fairview AMY SCHRADER
A
s temperatures begin to climb, it’s time to think about trips to the beach, backyard barbecues and air conditioning.
Making sure your air conditioner is in tip-top shape before summer’s heat wave arrives will ensure you won’t be sweating it during the hottest months of the year. Fairview Heating & Air Conditioning has been helping East County residents keep their cool for more than 30 years. The air conditioning experts have more than 50 years of service knowledge and can help keep your home cool as well as increase your energy savings and improve your indoor air quality. While it isn’t officially summer yet, it’s a good idea to have your air-conditioning system inspected and maintained before you rev it up. “Regular maintenance keeps your system running at its peak efficiency as the factory designed it and can also catch the majority of part failures before they fail and leave you without cooling,” said Robert Conner, Fairview Heating & Air Conditioning president. “Most AC units fail during the first heat wave of the summer, and most of the issues that caused them to fail could have been avoided with regular maintenance.” see Fairview page 19B
ON THE COVER: Robert and Barbara Conner, owners of Fairview Heating & Air Conditioning, run a family-owned and operated business in Oakley.
Photo by Tony Kukulich
The Conners started their business in 1988 and stress the importance of maintaining heating and air conditioning systems for optimal performance.
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APRIL 13, 2018
Go vintage at the Pink Door Boutique Buying vintage is knowing you have original and well-made quality workmanship. You’re getting something unique and one-of-akind, and the pieces you buy are a show of your personal taste.
AMY SCHRADER
I
f you’re looking to give your home some sparkle and shine, you don’t have to drain your
bank account. Shopping vintage is a great way to save money and find truly unique treasures that can give your home a new look and vibe. Pink Door Boutique & Vintage Treasures in downtown Brentwood offers a selection of quality furniture, vintage and modern accessories, home décor, apparel, gifts and more. Visitors will find a selection of Pinterest-worthy vintage wedding décor, including custom-made signs, perfect for any wine-country or farm wedding or bridal party. “We have a style for everyone, from French to farm to contemporary,” said owner Mary Ylinen, an expert at transforming antique furniture into shabby-chic pieces that make a statement in any room. According to Ylinen, besides saving money, there are other advantages to shopping vintage. “Buying vintage is knowing you have original and well-made quality workmanship,” said Ylinen. “You’re getting something unique and one-of-a-
– Mary Ylinen, Pink Door Boutique owner Photo by Tony Kukulich
Shopping vintage is a great way to save money and find truly unique treasures that can give your home a new look and vibe. kind, and the pieces you buy are a show of your personal taste.” Besides the quality of the material used in vintage furniture, another perk is that vintage furniture never goes out of style. Modern design trends come and go, but vintage pieces are timeless. Others choose vintage over new
because it is more environmentally friendly. Some also choose vintage over new, because some vintage pieces can tell a story and carry a different type of value based on its history. The benefits of buying vintage are so numerous that even those with modern design tastes choose to mix in vintage
pieces as accents. “Today’s décor allows you to add a flair of new and used,” said Ylinen. Ylinen’s favorite pieces are French style with elaborate details, which can be found in her shop. From French tables and desks to farm tables, end tables and bookshelves, the furniture in Pink Door Boutique & Vintage Treasures has been recrafted into modern treasures. see Vintage page 17B
HOME & GARDEN
APRIL 13, 2018
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Creating your ideal outdoor living space
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AMY SCHRADER
S
ummer is all about patio parties, barbecues and enjoying time with family and friends
in the great outdoors, and today’s outdoor furniture and décor are not only functional but comfortable, durable and stylish. Think large outdoor dining tables, plump cushions, deep seating and all of the comforts of home brought to your backyard patio or deck. Brentwood Outdoor Living is East County’s one-stop shop for creating your dream outdoor living space with its wide selection of quality outdoor furniture, spas, barbecues, fire tables, custom outdoor kitchens, islands and more. “We are very lucky to live in a climate that allows for the large periods of time that outdoor space can be utilized,” said Kevin King, general manager and operator of Brentwood Outdoor Living. According to King, this season’s most popular items include fire tables and deep seating sets. “We are also seeing continued interest in durable polymer Adirondack products due to their longevity and versatility,” said
Press file photo
Brentwood Outdoor Living is East County’s one-stop shop for creating your dream outdoor living space. King. “In the barbeque area, the Big Green Egg and pellet grills remain the choice of serious chefs and high-quality gas grills continue to provide the staple for outdoor kitchens.” The Big Green Egg and high-end pellet
grills are popular because of the use of real wood when cooking. “Nothing beats the flavor of cooking or barbecuing on real wood grills,” said King. “Real wood burning outside of barbecuing is limited by the air resources board, so
fire pits for heat and entertainment are largely sold with propane or natural gas fuel sources.” Even though fire pits aren’t designed see Outdoor page 17B
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APRIL 13, 2018
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HOME & GARDEN
APRIL 13, 2018
Tips for the novice composter
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Compost is organic material that helps plants grow when added to soil. Benefitting the planet in myriad ways, compost enriches the soil by helping it retain moisture. The EPA notes that composting also reduces the need for chemical fertilizers while also suppressing plant diseases and pests. In addition, when homeowners compost, they inadvertently reduce methane emissions from landfills, thereby lowering their carbon footprints. Homeowners who do not know how to compost can consider the following tips as they begin piles on their properties. ♦♦ Choose an accessible spot. When looking for a spot on your property for
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Photo courtesy of Metro Creative
Food scraps and yard waste account for between 20 and 30 percent of what we throw away. your compost bin, choose a location that’s easily accessible. The less accessible the bin is, the less likely you are to stick with composting over the long term. The EPA also recommends placing a compost bin or pile in a dry, shady spot near a water source. ♦♦ Add the appropriate materials. Animal waste, cooked foods, diseased plants and fresh weeds from perennial plants should not be added to a compost pile. The EPA recommends moistening dry materials as they’re added and adding brown and green materials as they are collected.
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APRIL 13, 2018
REVAMPING
Saturday, April 21, 2018 10 am to 1 pm Tours • Reuse Art Activity • Jump Houses • Trucks • Food Cart Races • Table of Education pieces • What we do in the park
Installing or replacing carbon monoxide detectors is an easy improvement that can help save lives.
Photo courtesy of Metro Creative
Be aware of carbon monoxide poisoning
C
arbon monoxide (CO) is a colorless, odorless gas that can be deadly.
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Because carbon monoxide is found in the fumes produced when fuel is burned, it is present in and around homes. As a result, homeowners should be aware of carbon monoxide and make every effort to detect its presence. CO forms most readily when there is insufficient oxygen to complete combustion and produce carbon dioxide. Hot water closets, furnaces in crawlspaces, heating appli-
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ances in attics and other contained areas are common areas where CO can form. The U.S. Centers for Disease Control and Prevention indicates that thousands of people visit emergency rooms and are hospitalized because of CO poisoning every year. While CO is a risk for just about anyone, infants, the elderly, those with breathing problems or chronic heart disease and people with anemia are most likely to get sick. CO has earned the moniker ‘the silent killer,’ because it cannot be identified without the presence of a carbon monoxsee Carbon Monoxide page 9B
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APRIL 13, 2018
HOME & GARDEN
Donations needed for plant sale Delta Informal Gardeners is in urgent need of 1-gallon cans for its upcoming plant sale on May 12. Donations can be dropped off at Wolfe Ranch, 700 Creek Road, in Brentwood, or by calling Helen Wheeler at 925-2401691. The 30th anniversary plant sale
Carbon Monoxide from page 8B ide detector. If a person believes they are smelling carbon monoxide, that person is probably mistaking the odor for other combustion byproducts that the human nose can sense. CO is a byproduct of vehicle exhaust, boat engines, stoves, lanterns, grills, furnaces and fireplaces. CO is produced anytime something is burning. That is why it is essential that products designed to be used outdoors are used exclusively outside, and that indoor appliances are properly vented to the outdoors. Some people may not recognize that CO is problematic in a home until multiple residents start complaining of similar symptoms. A consumer advocacy group called Carbon Monoxide Kills indicated the common CO poisoning symptoms include nausea and vomiting, dizziness, chest pain, confusion, headache and other flu-like symptoms. Those with repeated exposure to high levels of CO may eventually develop cerebral edema, which is a swelling of the
on May 12, is from 8:30 a.m. to 1:30 p.m., rain or shine, at Wolfe Ranch. Annuals in 1-gallon containers will be on sale for $2, 1-gallon perennials for $3 and 2- to 3-gallon plants for $4. For more information, visit www.deltainformalgardeners.org.
brain. CO can compress brain cells and destroy them, leading to neurological issues and death. CO poisoning is actually the result of the brain and heart not receiving sufficient oxygen. CO detectors can save lives and should be installed in all homes and apartments. The National Fire Protection Association reports CO detectors “shall be centrally located outside of each separate sleeping area in the immediate vicinity of the bedrooms.” Individuals should follow the manufacturer instructions regarding wall or ceiling placement of CO detectors. As an added safety precaution, CO detectors should be installed on every floor of the home. Gas sensors in CO alarms have limited life spans, so they should be replaced generally every five to six years, because calibrating and testing for CO is more difficult than simply replacing the alarms. Installing or replacing carbon monoxide detectors is an easy improvement that can help save lives. – Courtesy Metro Creative
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APRIL 13, 2018
Composter from page 7B Examples of green waste include grass clippings, weeds from annual plants and plant trimmings. Brown materials include dead leaves and shredded cardboard. Chop or shred large pieces before adding them to the pile. ♦♦ Give the pile structure. Layering materials can give compost piles better structure. The EPA suggests burying fruit and vegetable waste under 10 inches of compost material, including brown and green waste. ♦♦ Turn and aerate the material. Using a garden fork, periodically turn the compost pile. This aerates the heap and provides oxygen that can accelerate decomposi-
tion. Piles that are not periodically turned and aerated may grow malodorous, which can be unpleasant for homeowners who hope to add materials to their piles on a regular basis. In addition, without the heat produced by aeration, composting piles will break down very slowly. ♦♦ Recognize when the material is ready. The EPA notes that compost is ready to use when materials at the bottom of a pile are dark and rich in color. According to the EPA, this can take anywhere from two months to two years, so composters must be patient. For more information on composting, visit www.epa.gov. – Courtesy Metro Creative
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Many electrical mishaps can be avoided by employing caution and a certified professional. Photo courtesy of Metro Creative
How to avoid electrical mishaps around the house
A
ccidents around the home happen – some are minor and easily brushed off,
while others can lead to serious injury or financial peril. Many accidents, even those that are relatively minor, can be prevented. Such is often the case with electrical accidents, which may be more common than many people think. According to the Electrical Safety Foundation International, home electrical fires account for an estimated 51,000 fires each year, resulting in roughly 500 deaths and more than $1 billion in property damage. Homeowners who want to do all they can to reduce the likelihood of electrical mishaps at home can employ various strategies. ♦♦ Be mindful of cords and plugs. Cords and plugs can be found throughout the typical home. While few people may perceive cords and plugs as threats, they can serve as catalysts for accident and injury. Cords and plugs should always be kept clear of heat and water sources, and cords should not be placed in areas where they can pose any tripping hazards. Even if residents grow accustomed to cord locations and know to maneuver around them, guests won’t be as familiar. When pulling plugs from outlets, always pull the plug, not the cord, to reduce injury risk. ♦♦ Periodically take inventory of electrical appliances and components. Some electrical appliances age well,
while others may not. Periodic inspections of appliances and their components, such as their cords, can reveal wear and tear that can lead to fires or injuries. Replace any items that pose a threat and stop using these items immediately. ♦♦ Avoid DIY electrical work. Many homeowners are handy with hammers and other tools, but professionals are better trusted to perform electrical work on a home. The risk of accident or injury when working with wiring and other electrical components is simply too great for untrained homeowners to do on their own.
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APRIL 13, 2018
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HOME & GARDEN
APRIL 13, 2018
Kitchen remodels are a sizable investment, and renovations can be customized to make the kitchen more hospitable.
Photo courtesy of Metro Creative
Must-have kitchen remodel features
H
omeowners looking to renovate often see room for improvement in their
kitchens and bathrooms. The National Association of Home Builder’s Remodeling Market Index Survey, which measures conditions in the remodeling market, indicates in 2015, the two most common remodeling jobs
were bathroom remodels (81 percent) and kitchen remodels (79 percent). When planning a kitchen renovation, homeowners may want to consider the following upgrades to make the room more enjoyable while improving its functionality. Oversized sink Although high-efficiency dishwashers are popular, deep sinks to soak soup pots or woks are still useful. Deep sinks may be preferable to see Remodel page 16B
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APRIL 13, 2018
How to read a nursery plant tag
S
hopping for new plants for a home can be an exciting undertaking.
Nurseries and garden centers are often home to dozens of plant species that come MORE MORE ME MEANING ANING,, MORE MORE BAL BALANCE ANCE,, MORE MORE INDE INDEPE PENDE NDENCE NCE EQUIPMENT COVERED MORE ME ANING , MORE BAL ANCE , MORE INDE PE NDE NCE in various colors, leaf variations and sizes. American National offers a small business opportunity is second to none if you are aareaa MORE ME ANING ,aaMORE BAL ANCEthat , MORE INDE PE NDE INSURANCE American American National National offers offers small small business business opportunity opportunity that that isissecond second to tonone none ififyou youNCE are • Water heaters American National offers a small business opportunity that is second to none if you are a Such variety can make choosing plants more self-starter, highly-motivated enjoy people. self-starter, self-starter, highly-motivated highly-motivated and and enjoy enjoy people. people. American National offers aand small business opportunity that is second to none if you are a • Heating and A/C self-starter, highly-motivated and enjoy people. fun while also making the process of buying self-starter, highly-motivated and people. • enjoy Major appliances Serving Brentwood ASK ME ABOUT AMERICAN NATIONAL’S INSURANCE AGENT CAREER OPPORTUNITY plants a bit complicated, especially for novices. ASK ASKME MEABOUT ABOUTAMERICAN AMERICANNATIONAL’S NATIONAL’S INSURANCE INSURANCEAGENT AGENTCAREER CAREEROPPORTUNITY OPPORTUNITY • Security and alarm systems since ASK ME2004 ABOUT AMERICAN NATIONAL’S INSURANCE AGENT CAREER OPPORTUNITY Thankfully, plant tags can help consumers ASK ME ABOUT AMERICAN NATIONAL’S INSURANCE AGENT CAREER OPPORTUNITY • Computers make informed decisions. OSCAR PECCORINI OSCAR OSCAR PECCORINI PECCORINI Understanding how to read plant OSCAR PECCORINI Multiple Line General Agent , LUTCF OSCAR PECCORINI Multiple Multiple Line Line General General Agent Agent Multiple Line General Agent tags is key to making good choices for Line General AUTO • HOME • LIFE • FARM • BUSINESS • INSURANCE 325Multiple Town Centre Terrace Suite AAgent gardening success. Such labels contain a lot of 325 325 Town Town Centre Centre Terrace Terrace Suite Suite AA 325 Town Centre Terrace Suite A Brentwood, CA 94513-2212 325 Town Centre Terrace Suite A information, but once a person knows how to Brentwood, Brentwood,CA CA94513-2212 94513-2212 Brentwood, Brentwood, CA CA 94513-2212 94513-2212 decode that data, they are well on the way to choosing the right plants.
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American National is a group of companies writing a broad array of insurance products and services, comprised of American National Insurance Company, headquartered in American American National isisa agroup groupof ofcompanies companies writing writing a abroad broad array arrayofofinsurance insurance products products and andservices, services,comprised comprised ofofFarm American American National National Insurance Insurance Company, Company, headquartered headquartered inin Galveston, Texas, National and its subsidiaries including American National Property And Casualty Company, Springfield, Missouri; Family Casualty Insurance Company, Glenmont, New Galveston, Galveston, Texas, Texas,and and itssubsidiaries subsidiaries including including American American National National Property Property And Casualty Casualty Company, Company, Springfield, Springfield, Missouri; Missouri; Farm Farm Family FamilyCasualty CasualtyInsurance Insurance Company, Company, Glenmont, Glenmont, New York; United FarmNational Family Insurance Company, Glenmont, New York; FarmofFamily LifeAnd Insurance Company, Glenmont, New York; and American National Life Insurance Company of in New American is aits group of companies writing a broad array insurance products and services, comprised of American National Insurance Company, headquartered York; York; United United Farm Farm Family Family Insurance Insurance Company, Company, Glenmont, New New York; York; Farm Farm Family Family Life LifeInsurance Insurance Company, Company, Glenmont, Glenmont, New NewYork; York;and and American American National Life Insurance Insurance Company Company of New York, Glenmont, New York. Not all companies areGlenmont, licensed inNational all states. In New York,Casualty business is conducted by the above companies with a homeNational office inLife Glenmont, New York. of Galveston, Texas, and its subsidiaries including American Property And Company, Springfield, Missouri; Farm Family Casualty Insurance Company, Glenmont, New American National is aresponsibility group of companies writing a are broad array of insurance products and services, comprised of American National Insurance Company, headquartered in New NewYork, York, Glenmont, Glenmont, New New York. York. Not Not allallcompanies companies are licensed licensed inin allall states. InIn New New York, York, business business isisconducted conducted by bythe the above above companies with with a ahome homeoffice office in inGlenmont, Glenmont, New NewYork. York. Each Company has financial only for theGlenmont, products and services itstates. issues. Agents contracted with American National arecompanies independent contractors, notInsurance employees. York; United Farm Family Insurance Company, New York; Farm Family Life Insurance Company, Glenmont, New York; and American National Life Company of Galveston, Texas, and its subsidiaries including American National Property And Casualty Company, Springfield, Missouri;National Farm Family Casualty Insurance Company, Glenmont, New Each Each Company Company has has financial financial responsibility responsibility only only for for the the products products and and services services it it issues. issues. Agents Agents contracted contracted with with American American National are are independent independent contractors, contractors, not not employees. employees. New York, Glenmont, NewInsurance York. NotCompany, all companies are licensed in allFarm states. In New business is conducted by the above companies with National a home office in Glenmont, New York. York; United Farm Family Glenmont, New York; Family LifeYork, Insurance Company, Glenmont, New York; and American Life Insurance Company of 14-065-87147.V3.2.2017 Each York, Company has financial responsibility only for the productsinand issues. Agents contracted with American National are independent contractors, not employees. New Glenmont, New York. Not all companies are licensed all services states. Init New York, business is conducted by the above companies with a home office in Glenmont, New York. 14-065-87147.V3.2.2017 14-065-87147.V3.2.2017 Each Company has financial responsibility only for the products and services it issues. Agents contracted with American National are independent contractors, not employees.
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Common name The common name of the plant tends to be the most noticeable word or words on the tag. This is the name the plant is referred to outside of scientific circles. Most plants have common names in addition to botanical names.
HOME & GARDEN
Understanding how to read plant tags is key to making good gardening choices.
Scientific (botanical) name Scientific names are also known as the Latin names of the plant. Such names will be written in italics on the tag and are usually one or two words. The scientific name includes the genus (group) and the species of the plant. see Nursery page 15B
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oscar.peccorini@american-national.com oscar.peccorini@american-national.com oscar.peccorini@american-national.com oscar.peccorini@american-national.com oscar.peccorini@american-national.com 925.684.7055 925.684.7055 925.684.7055 925.989.5050 925.684.7055
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HOME & GARDEN
A plant tag may further describe the type of plant by including the cultivar. A cultivar is the variation on the species. It may describe a size or color variation. The cultivar is listed in single quotations by the scientific name.
Sun requirements The tag should list how much sun exposure the plant requires to thrive. It may be anywhere from full sun to full shade.
The label frequently includes the maximum growing height and width the plant should reach when mature. This gives gardeners an understanding of just how much room the plant will take up in the garden and how to space plants in a landscape.
Water needs How much water the plant requires may be featured on the tag as well. This helps gardeners know if they need soil to be damp or relatively dry.
Hardiness or zone Tags that list zones will describe the coldest zone in which the plant can exist. Otherwise, it will give a range. Many annuals will not list a hardiness zone because they are not expected to last beyond one season.
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Perennial or annual The tag should designate the plant as an annual or perennial. Annuals are not expected to last through the winter and will need to be replanted the following year. Perennials can over-winter and will regenerate year after year. Tags also may list information such as special care needs, drought tolerance, uses for the plant and when the plant blooms. Some plant labels will inform gardeners if the plants were produced organically or without GMO practices. Trademark information also may be included. Plant tags provide important information for selecting and growing plants. When noted, tags help gardeners make the right selections and keep plants as healthy as possible. – Courtesy Metro Creative
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15B
DIG’s DIG’s 30th 2017 Annual DIG’s 2017Anniversary Annual
Some plant labels will inform gardeners if the plants were produced organically or without GMO practices.
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Nursery from page 14B
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APRIL 13, 2018
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16B
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HOME & GARDEN
APRIL 13, 2018
Electrical from page 11B ♦♦ Unplug appliances before flipping a fuse. Fuses blow from time to time. Some may be knocked out by especially powerful storms, while others may short because they’re overloaded. Regardless of the reason, homeowners should turn off appliances on blown fuses before flipping them back on. Leaving appliances running when flipping a fuse can increase the risk of fire or accident. Turn off appliances, unplug them and then turn them back on one by one after the fuse has been flipped.
Remodel from page 13B double sinks, especially for homeowners who use lots of kitchen tools when preparing meals. Soft-closing hinges When replacing cabinets (or just the hardware), consider installing soft-closing hinges and slides on doors and drawers. These devices eliminate slamming and caught fingers, reducing noise and injuries in the kitchen. Foot-pedal water operation When outfitting a sink, think about foot controls, which are popular in doctors’ offices and hospitals. Turning on the water with the tap of a foot can reduce the transfer of pathogens to faucets from hands during food preparation. These pedals also free up hands for other tasks. Bottoms up People likely spend more time raiding the refrigerator than the freezer on any given day. Rather than having to bend down to
♦♦ Be especially cautious if anyone smells gas. Gas leaks are often detected by the aroma of the gas in the air. When such leaks are detected, homeowners should not touch or turn any electrical switches. Doing so may create a spark that can react with the gas in the air, leading to fire. If a gas leak is detected, go outside and contact a local emergency service. Many home electrical mishaps can be prevented if homeowners exercise caution and hire certified electrical contractors to handle wiring and other electrical tasks around their homes. – Courtesy of Metro Creative
seek out that favorite flavor of Greek yogurt, choose a model with the fridge on top and freezer on the bottom, especially if anyone in the household has mobility issues. When shopping for refrigerators, French-door style units may offer even more access. Extra lighting A kitchen should be a balance of form and function. A combination of overhead lighting, decorative lighting and task lighting can illuminate all areas of the space effectively. Appliance garages Architectural and design resource Houzz says appliance garages are popular kitchen additions, too. Set at countertop level, these cabinets allow people to keep small appliances plugged in but tucked neatly behind closed doors. – Courtesy Metro Creative
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you need to use it, then start developing a mental picture of how you want to use it.” Once King’s customers have a plan and choose their furniture, Brentwood Outdoor Living makes the rest of the process easy. “We offer delivery and set-up and service what we sell,” said King, who indicated he goes to great lengths to make sure his customers are happy. “We have worked hard to offer top-quality products that last, have a great warranty, have style and color choices and provide the consumer with the ability to customize their outdoor space. Our staff works with the customer to find the best products for the outdoor space, budget and style choice. At the end of the day, the backyard space needs to meet their individual and family needs.” Brentwood Outdoor Living is located at 6061 Lone Tree Way, Suite G. For more information, call 925-626-6383 or visit www.brentwoodoutdoorliving.com. To comment, visit www.thepress.net
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for cooking meals, they still provide plenty of heat and entertainment, as well as a great spot to roast marshmallows. “I love using our fire pit on summer nights,” said Brentwood resident Stephanie Dourgarian. “The kids and I snuggle around it on the weekends, while we make s’mores, share stories about our week and stargaze. It creates some amazing family memories.” For those who haven’t yet created an outdoor living space, King advises customers to dream big but start within your budget. “Developing a long-range master plan will allow consumers to add to the project as their budget and priorities allow,” said King. The process can also take time. “Designing your backyard space so it brings you years of use and enjoyment is a process,” said King. “Don’t expect that you’re going to meet the challenge in a single day or single visit. Spend the time to get familiar with the space and how
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17B
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Outdoor from page 5B
Oakley resident Cathy Daniel agrees. “I love, love, love Pink Door Boutique & Vintage Treasures,” said Daniel. “It’s not one of those huge mega stores filled with too much stuff, and everything I have purchased here looks great in my house.” Pink Door Boutique & Vintage Accessories is located at 735 Second St., in downtown Brentwood. For more information, call 925-626-5550 or find them on Instagram @PinkDoorBoutiqueCA. To comment, visit www.thepress.net
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Besides finding unique furniture, shoppers can also choose between a mix of modern and vintage accessories. “The shop has many talented vendors who spend a lot of time to source, refurbish and stage unique and new furniture and home décor items for whatever style you are looking for,” said Brentwood resident Michelle Colefield. “I truly feel it’s the best vintage shop in town.”
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Vintage from page 4B
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APRIL 13, 2018
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California law requires that contractors taking jobs that total $500 or more (labor or materials) be licensed by the Contractors State License Board. State law also requires that contractors include their license number on all advertising. You can check the status of your licensed contractor at www.cslb.ca.gov or 800-321CSLB. Unlicensed contractors taking jobs that total less than $500 must state in their advertisements that they are not licensed by the Contractors State License Board.
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Regular maintenance keeps your system running at its peak efficiency as the factory designed it and can also catch the majority of part failures before they fail and leave you without cooling.
Besides keeping your home cool, regular maintenance prolongs the system’s life, keeps you within warranty compliance, increases long-term energy savings, increases the unit’s efficiency and performance and reduces the number of future repairs. Catching and correcting issues before they lead to HVAC failure is something learned with experience. Conner’s own career in the heating and cooling business began in 1982. “I needed the AC in my car fixed and realized a career in the HVAC field could last a lifetime,” said Conner. “I studied refrigeration and electrical at college, went to work for my first employer in 1984 and also signed into the sheet metal worker union apprenticeship at the same time.” In 1988, Conner started Fairview Heating & Air Conditioning with his wife and business vice president Barbara Conner. “We are family-owned and local, and all of our workers are employees of ours,” said Conner. “All of our techs have been through a minimum of two years of apprenticeship training, along with refresher courses and new technology courses every year.” Conner is also proud of the fact that the business has never been a franchise. According to Conner, since the business started, there have been many changes to the HVAC industry, including the move to more energy-efficient systems. Fairview Heating & Air Conditioning offers state-of-theart, custom-designed systems using the latest software to fit each customer’s specific needs. They also offer whole-house air purifiers that are attached to HVAC systems, which were very helpful during the Napa fires. “They remove smoke, odors, pollen and dust mites and only need servicing every two years,” said Conner. Another important factor to the business is pricing. All of business’s pricing for both repairs and replacements are all-inclusive flat rates. “The price we quote you up-front is the fixed price,”
Find Everything Local!
– Robert Conner Fairview Heating & Air Conditioning president said Conner. “Whether the job is five minutes or five hours, you only pay what was quoted up-front.” The combination of exceptional work and fair and up-front pricing has earned them customer loyalty. “It’s scary when things go wrong with your air conditioner, because you have no clue how they work or how much it will cost to fix it,” said Antioch resident Carol Pavlik. “Fairview Heating & Air Conditioning is the best. It’s important to have someone you trust, and Robert and his team made sure I understood every step of the process, including the cost, and their work was exceptional. They made a difficult situation so easy I would never use anyone else.” Fairview Heating & Air Conditioning is located at 100-A Brownstone Road, in Oakley. For more information, visit www.fairviewair.com or call 925-625-4963. To comment, visit www.thepress.net
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HOME & GARDEN
Live where you play. Love where you live.
APRIL 13, 2018
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