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1-2004 January 2004 Inland Empire Business Journal

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Recommended Citation Inland Empire Business Journal, "January 2004" (2004). Inland Empire Business Journal. Paper 182. http://scholarworks.lib.csusb.edu/iebusinessjournal/182

This Article is brought to you for free and open access by the John M. Pfau Library at CSUSB ScholarWorks. It has been accepted for inclusion in Inland Empire Business Journal by an authorized administrator of CSUSB ScholarWorks. For more information, please contact [email protected]. $2.00 Outsourcing and Offshoring Could either practice affect your job? by Richard Leatherman

First, let's clanfy outsourcmg and offshonng by gomg over the defim­ tions of each. Outsourcing occurs when a company has work done by an external domestic source. Off­ shoring occurs when a company has the work done b] an overseas source. Clearly, outsourcing and off.shoring are related but based upon the desti­ nation of the work, they can be qmte different m their practice and their

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NEWPORT BEACH CT Realty Corp. of .Vewport Beach has acqwred the Corona Village Apartments for $7.8 millwn }rom Corona Apartment, LLC and ifimmide Corona Apartments, LLC, both ofNe~•port Beach. Corona Village is an 83-unit apartment communay located at 901 S. Smith St. in Corona. CT Realty plans to invest near~r $1 million in exterior renovations and apartment unit improvements to upgrade the property Restoring and Improving ------AT DEADLINE SEW BlJSil\'ESSES - Instead of Replacing - page 45 to 46 Central Park CALENDAR Community a Charming Established Former Chief of Center Community in Corona Staff Pressured Underway Location is key, but atmosphere is also important by Outgoing Groundbreakmg cere- Supervisor to momes were held recently for cr Realty Corp. has acqwred the one of the important advantages the new $17.6 mtllion City of Corona Village Apartments from Corona Village apartments offer rest­ Resign or Take Rancho Cucamonga Central Corona Apartment LLC and Warm­ dents is quick access to the 91 Free­ Unpaid Leave Park Community Center. May­ side-Corona Apartments, LLC. Coro­ way. But that is not the only plus. or William J. Alexander was na Village is an 83-unit apartment "The property is ideal for com­ by Georgine Loveland joined by the Rancho Cucamon­ community. The idea was not to de­ muters but also offers an atmosphere ga City Council, staff, design molish, for a change, but to improve not found in nearby developments, Martine Valdez served as chief of and construction teams and lo- and protect a popular community. Ac­ due to its architecture and centralized staff for outgomg San Bernardino cording to Raymond A. Polvenni, vice continued on page 37 president/multi-family for cr Realty, continued on page 7 continued on page 9 SURE-HIRE SOLUTIONS AT YOUR FINGERTIPS (800) 564-5644 • www.appleone.com ~ • Temporary Staffing • Full-Time Placement • Temporary-To-Hire iiPPI.I!dlll! JANUA RY 2004 JA NUA RY 2004 BUS INESS JOUR NA L • PAGE 3 BLSINESS JOURNAL • PAGE 2 Outsourcing and Offshoring has saved mswance company Mctllfc strategic tasks isn't a good way to usc )0 percent 111 costs since 200 I That's resources. Companies are ru;kmg Could either practice affect your job? when It took over runnmg the compa­ themselves: \\~'hat is it costing us to continued jrom page I heightened concentratiOn on core com­ ny's IT systems. handling scrnccs continue to manage this process in­ petencies. MoreoYer, bll"ilOC:-;.ses some­ rangmg from agent-broker transac­ housc0 Well beyond dollars, there's con:;cqucncc.s. times send certam fw1ct1ons aero~' the tiOns to human resources admmJstra­ the cost of focus and of mamtainmg Where is the Inland Entpire Companies as well as consumers street as well as across the InternatiOn­ Mn. mcludmg bene fib and payroll-re­ limited resources versus obtaining should fully understand the entiCe­ al Date Line. Outsourcmg work func­ lated expenses." In another example, greater access to talent. expertise, ments and the differences between tions can act as a streamhmng process " lnd1a-based call-center employees sofhvare, hardware and services.'' Econonty Headed in 2004? outsourcing and ofTshoring. These that allows employers to focus their practices affect pricmg levels as well workers on differentiatmg functions The Top 10 Reasons Companies Outsource as the creation or elimination of thou­ and highly profitable actiVIties. You'll hear about the Inland Empire's growth areas auu """u~ ou• u .. ·~·~ ... ···--~-ries sands of jObs. U.S. public furor and Improves company focus 55% including media entertainment, real estate, health care, the financial markets, Some outsourcing creates local lcg1slative stonn clouds arc building jobs and not all offshonng means that Reduces and controls operating costs 54% interest rates, retail sales and the job market. over both blue- and white-collar do­ JObs are bcmg transported overseas or Frees resources for other purposes mestic jOb losses caused by ofT­ that people arc bemg exploited. Now Enables access to \•·:orld-class capabilities 36% You'll also haH the opportunity to question the experts and to network with top shonng. At the same tunc, thousands referred to as the most significant Obtains resources not available mtema ll y Inland Empire executives. of L S. busmcsscs arc becoming management development of the last stronger by concentrating resources on decade. outsourcing is ba:-.ed on this Accelerates rccngmeering benefits 20% \\hat they do best and outsourcmg princ1ple: If it 1sn't your company's Reduces time to market non-core comp..:tency tas!..s both do­ REAL ESTATE core competency. then take the acti\­ Shares risk THE OUTLOOK FOR INLAND mestically and abroad. ity or process and contract it out. ei­ Helps take advantage of oflshore opportumucs RES!DfNTIAL NEW HOME GROWTH ther locally or offshore. In adduion to EMPIRE CITIES, SAN BERNARDINO How did it all begin'? Helps manage difficult or out of control functions lowering costs. outsourcmg is a tool COMMLRCIAL OHICE Ol TLOOK Outsourcing started as a way for COUNTY, RIVERSIDE COUNTY AND that allows many companies to nn­ businesses to reduce head count and Note lllC pcn:ent.'lgt."S tkl not add up to I ()()0,., ~TrH:t: n..-:-.·pondt.'tlL'i sdt..-"Ctcd more than one an'M-tt. THE STATE OF CALIFORNIA. INDUSTRIAL AND DISTRIBUTION PROJECTIONS prove the1r products and scn·1ccs, and operating costs by paying an outSide Source It:~ "vo Longa !how th(' .\loner. Outsourcmg Institute. Based on o;urvey data col~ enhance the1r flexibility. Wh1le out­ source to pcrfonn one of its fi.mctions. h.."tOO between January :!001 and June :!002 from 1.110 outsourcmg buyers sourcmg presents many attractl\'e ben­ Many compames used outsourcmg as efits to employers, 1t \ the loss of do­ a simple shorHenn solution to an im­ mestic jobs that is the center of the cam between $2 and S4 an hour; a HEALTHCARE INSURANCE 2004 mediate financial problem. When the \\hat functions are companies offshonng controversy. In an article. U.S.-based employee, dependmg on North American hce Trade Agree­ outsourcing? Cra~· Like a Fox. Out.wurcing i(mr expenence. could cost five times that' ment ( 'AFTA) was hotly debated m Manufacturi ng is no longer the TOURISM 2004 Sales Force published by the Out­ Ramesh Wadhwam. preSident of, the late '80s 'md '90s. outsourcing be­ mam focus of outsourcing. E\crythmg sourcing lnsutute. author Bruce Mcm­ U.S.-based SAl Systems Internati on­ came more of a poliucal football than from software development and doep says. "As more and more com­ al, Inc .. techn ology consultmg com­ WORKERS COMP "WHATS NEW" a developmg busmess strategy. The he lpdesk support to fom1 proce"mg. panies realize the Significant benefit< pany ai mmg to meet the IT needs of med1a was full of stones about US telemarketing. training. payroll pro­ and resulting profitability of out­ businesses in the U.S. established two productiOn factories movmg to Mexi­ cessing and product docum entatiO n sourcmg, the size of the outsourcing subs1d1aries in Pune. lnd1a. He says. co to take ad,antage of cheaper labor needs is bemg outsourccd se m ce market has exploded." "Openmg these subSidia ri es in India 2004 Economic Forecast Conference and exploit1vc workers' nghts laws. In That helps to explain why thou­ all ows us to offer high qua li ty service Ho"' can companies succeed 1998, U.S. General Motors (GM) Date: March 19, 2004 sands of workers in a growing number at great bargams. Compani e.." can fann nhen they outsource? workers th reatened a nat1onw1de of industries have good reason to feel out work to IT houses in Ind ia rang­ According to Peter Nc\\cll, C ~. O Time: 11:30 a.m. wa lko ut because of offshore out­ more and more uncomfortable. "By mg fi'o m $180 - $300 per profcss1011 of WcbConverse. Inc .. "Ad,·ances m Venae: Doable Tree Hotel 212 N. Vineyard, Ontario, CA 91764 sourcing. Cclebntics such as Kathy 2015, more than 3.3 million L. S al day compared to $6(Xl - S4.000 per technology. access to global resources. Lee G1fford and M1chael Jordan each r------~------: --~------~------service-industry JObs and S 136 b1ll1on day in the U.S. \'/'hat's more, the t1mc and refi ned busmess pract1 ces hU\e re­ had well-publicized episodes regard­ Name: ______m wages will have moved offshore," d1fference between the U. S. and lnd1a shaped the way soph1st1cated sercicc mg the overseas producti on of thei r Company: ______SAVE accordmg to a recent study by For­ is 1dcal for mamtenancc and support pro\'Jders work \\ ith their customers. clothmg lines by workers makmg pen­ rester Research, a marketmg research type programs. A client reportmg a Long gone are the days of tummg nies on the dollar. Many of these cas­ Address: ------THE firm for Fortune 1000 compamcs. Ac­ bug fi'om here dunng the end of the over complete control of customer es and the related med1a attention City: ______State: ___ Zip: ------cording to Forrester, the top destina­ day could get the fix the next morn­ support functions to a third-party and have made millions associate all DATE! tions are India, which has been given ing." But lowered expenses do not tell hoping for the best. Outsourcing buy­ Phone: Fax: ------forms of outsourcmg w1th worker ex­ about 75 percent of the jobs offshore; the whole story today. Outsourcmg lo­ ers can now have the level and con­ Enclosed is my check for $ _____ No. of tickets@ $45 each ______ploitation and the offshore exportation REGISTER the Philippines; Russia; the Baltic cally or internationally now allows trol, visibiliry, and participation they Attendees: ______of domestic jobs. A great number of countries; Mexico; and Costa Rica." busmesses to use personnel that are al­ desire and still meet their unique busi­ people still fail to differentiate out­ TODAY ready highly trained, to handle proj­ ness requirements. This new era is Make check payable to: sourcing fi'om offshoring and mistak­ Why are companies outsourcing? Inland Emp

This January in the Inland Empire Business Journal! Columns Don't Recruit the Best People-Attract Them by John Sodech News and Features !\ple IS that the uonal Bureau of Labor StatiStiCs. and tndtvtdual compantes. Close-up ...... 6 best and the bnghtest m the workforce independent studies from professiOn· In light of this loommg future. the Smart leaden; don't recnut the best Outsourcing and Offshoring are tmportant terms bllsine~-.es nee-d Corporate Profile ...... 7 seek more than JUSt a paycheck from al staffing and human resource man­ opportumty to attract versus recruit ro understand to manage their production n.--quircments in the ever- pt.'Ople. they attract them. Why do they their job, the] seck fulfilhnent ofthetr agement fim1s indicate a change is the best people, as well as the tssue of changing global trade em ironment...... ! Law ...... 9 do tt? They do It bc'CatLSC 1t makes their own personal Purpose For Existing commg. Projections arc for labor maintainmg the right employees, both Opinion/Commentary ...... 10 lives easier, and thc1r compan1cs more (PFE). On average, employees spends shortages startmg this year in ccrtam become more relevant. Restoring and lmpro,ing-lnstead of Replacing ts an upbeat sto­ successful. How do they do tf> They 70 percent ofthe!T wakmg hours Mon­ industries and increasing to approxi­ Leaders interested in creating an ry that focuses on keepmg what ts already vtable and addmg the Computers/Technology ...... 13 have a clearly defmed corpomte Pur­ day through Fnday etther at work, gct­ mately six million skilled workers in environment where they attract instead ncccssaf)· imprm·ements. l11is approach makes sense envlronmcn­ Education ...... 15 pose For Ex1Stmg (PFE), they tell the tmg to work. or preparing for work. 20 12. The repercusstons of such a of recruit the best candidates should tall). esthe11cally and econonucally. Without conservation and plan- Getting Organized ...... 17-18 "arid about it, they ltve it. and the best For the most part. thelf work is thetr shortage won't JUSt be felt in lost op­ follov. three key steps: nmg. the future will be bleak indeed ...... I Banking Review ...... 19-20 people come to them. They don't re­ life. The best and the brightest knov. portumty costs as compamcs can't get cruit, they attract. thts, and unden;tand thts. They want to the necessary qualified talent to sen·c Clanfy Your PFE Former Chief of Staff Pressured by Outgoing Supenisor ts a Investments & Finance ...... 22-24, 26 The success of thiS method IS make sure that while spendmg 70 per­ the!T customers. More pamful and dt­ ~~~po~~~~~~~=-~~~ 2. Tell the World \Vhat Your PF~. b Health ...... 27-30 based on two pnnctples. The fiN ts a cent of their life at work, they are m rectly tmpactful wtll be the costs felt mg~ that can arise. \\hich is a mirror of state and federal going~-on very basic tenant ofltfe on the planet; some way fulfilling thc!T O'W11 Pl.F. employers try to fill open positions. 3. Fulfill Your PFE m the realm of officialdom, large and small I Employer's Page ...... 31-33 as "Ltke Attracts Ltke." It is the reason re­ They seek out compamcs where the or­ Accordmg to human r=urcc stud­ In the Interest of Women ...... 34 Clarify \our PFE Claremont Charity E,·ent Builds Picnic Tables to benefit elemen­ bras run together on the Afhcan planl', ganization's PFE suppon.s the!T own. tes. total costs to replace a sktlled mana­ What is your orgamzalton 's Pur­ tary schools and parks m the community dwing the annual Mystery Desert Business Journal...... 35-36 stmtlar lookmg fish travel m schools, The concept of attractmg vs. re­ gerial level employee can total as much pose For ExiSting (PFE)? Why was Chanty E\ent. Gising back 10 tltc conununtty is the theme, provtd­ World Trade ...... 38 and m any gtven crowd of people. each cruiting might not seem like an im­ as 150 percent of the departmg pt.'I'SOns the organization formed? What sub-group IS composed of indtviduals portant top1c in an era of economic salary by tlte time recruiting. trainmg, and mg the JOY of g1vmg to the students of the Graduate School ofl'vtan- Restaurant Review ...... 40 unique function does it serve'! Many with similar characteristics. A leader uncertainty where companies arc lay­ productivity CO>is due to losses with cur­ agement and many other memben; of the local communtty ...... II Executive Time Out ...... 41 organizations already have thelf PFE who has defined their company's PrE mg people off. or puttmg freezes on rent cus1omers are fuctored m. Witlt stud­ as a deeply imbedded part of thelf cul­ C.\LHFA and Habitat for Humanil) establish new $490,000 Manager's Bookshelf ...... 42 is saying in essence "I am a zebra." If htnng. The U.S. has been m that sttu­ ies sh. However, data from the Na- New Business Lists ...... 45-46 available, this cost could be suh;tantial for cominued on page 15 P&AB Provides Guide to Japanese PrivaC) Issues Company intro­ Calendar ...... 48 duces """ onlme tool for tracking Japanese privacy dcvelopmenl An mtportant story for anyone v.ho conducts busmess m Japan ...... 21 Year End Review ...... 51 Top Colleges and Universities in the Inland Empire Ranked by 2002-2003 Enrollment l om uwetl on pat:e I 0 HIM to Deal With Harsh Criticism Ways to survive, learn and thrive when the offic<>v.orld seems to rum on you and hurt feelings Institution Students: Facult )": T)pe of Institution Thition & Fee<~: On Campus: Top Local EM~c. Address Total Enrollment Full-Time \'ear Founded Calif. Resident Room & Board Title are the result. A contented working ennronment " far more pro- Cit)', State. Zip Student-Facult)" Ratio Part-Time ~on-Resident (A" g. Year!)" Cost) Phone/FaA ducttve than one filled with anxiety. Employer's Page ...... 32 E·~ailAddreS~o Califomia State PoiJtechnic l'nher">it). Pomona 18.4:!4 674 Public 4-Year and Graduate $1.772 6.1\] Dr. j. Michael Ortiz I. JSOI West Temple .-\vc. 19 109 1938 $5,904 + $164/l.Tmt Pre~idem Pomona. C A 917M 1909) 869-C290/M69-4535 Editor's Note: California State Unhersity. San Bernardino 15.9K5 4.14 Public. 4-year and Graduate S 1,734 S4.7RJ t9 Months) Albert K. Kamig 2. 19,1 3-400 1965 $7.763( 12 UnHsl President There is a feeling at this time of the )·ear at the office, "hen we ~;~B~~~~Ji~~;~ ~~k9~J07-2397 {909) 880-5002/880-590\ akarmg@csw~b.edu are ~betwixt and berneen~- of having a scattered focus-what is past and ,.·bat is presently important to note-and what is UnheNit) of California, RheNide* t3.063 ."42 Pul:llic Uni\ersity $_tM62 ll,:'\50 France ConJo'"·a PCBLISHED BY BOARD CHAIRMA.\1 3. 900 llm\·cn.ity A\·c 19,1 187 t914 514.476 Chancellor Daily Planet Communu.:at!Ofb, Inc William Anthony Ri\'er-.idc. CA 92521 (909) 787-52otns7-1X66 not--,.hlle grasping for a tenuous bold on the future and some france.cordo\'are un.cdu 1 direction. After the New Year arrives, our energies "ill settle ~~A~AGI~G EDITOR L'nhersit) of Phoenix• 7,SOO 0 Pri\ate S279 pt=r unitll ndergrad Nl-\ Ste\e H)"nds Ingrid Anthony 4. 337 ~onh Vinc)ard Ave. Ste 100 9,1 655 1976 SJ25 per unu/Grad Fat:ult\· -\dminiI8&1\-J~((J9t937-2194

meantime, "e have included in this issue. stories that address Pl:BLLSHER'S ADVISORY BOARD l "nhersit) of La \'erne 7.2S5 l6c Private tS.OOO )fi2XO Dr. Stephen \lorgan some of this insecurity and provide some beacons to light our Julian Na\a, Ph.D .• Former U.S. Ambassador to Mexico 5. 1950 ThmJ St 191 :!03 IR9t 518.000 Prcstdent La Verne. CA 91750 t909) .59~3511119.!-0364 Stephen C \'forgan. Pre-.ident. Uni\er~ity of La Verne way into 2004. D. Lmn Wiley, CEO. CJti1.cns Bu<>ines:-. Bank Califon1ia State Unhersil\-, San \far-cos 6.189 179 Public $1.772 Nl-\ Alexander Gonzalez Barbara L. Crouch, Human Re:-.oun:e Consultant 6. 333 Twin Oak~ Valle\- RJ • 194 I 24.l 4- Year and Gradual~: 3.~05 Pre:.1dent Dr Jerry Young, Former President Chaffey College San Marcos. CA 92o%-OOOI 1989 (760! 75().-lll4In5().40J3 Bruce llolden. Partner, Attorney" at Law Universit) of Redlands 4.224 170 Prinue 0 U40 Or. Jame<. R. Appleton Cliff Cummings. Toyota of San Bernardino 7. P.O Box .1080. 1200 E. Colton Ave 14,1 379 1907 L~~J~g&f~~~t Prc~ident Redland~. C'A 92J7J-()999 t909J 7Q3-212l!.H5-407b

CORRESPO~DE~TS A~D COLI;~INISTS Lorna Linda UnheNity 2.143 1.07:! Pri\·atc/Health Sci Undcrgrad. Sl5.1:!0 )2.0-B Richard H. Hart Darutc~· BaJJ Barl!anKuoll JandlcHarl 8. 11234 Anderson St 1.1:U 1,25X 1905 Grad. $15.120 Cham;ellor I st Pmfc~~tonal "29k- Jm. 19091 55S-4540155X-02-12 Wolham J. Anthony (Board Chainnan) ..... wdhamJ(. mtd Jxxly g~dpilles, of her parents and gtvcs them all the \t.'lu"de.s. 71Iehnlliam_\rnmg a non-emergency medical transporta­ (APC). has currently come to dte pomt of ruld want~ m pcrfomlaJ1c.:C and cx­ credit for where she IS nght no". She emnprvieto· h<1-,w1 APC m tion company, mmonty- and family­ gf(h."lllg an e:;tink.ttcd il\Cragc annual sal~ cthng stylmg cues that may no! be offered remembers her father a\ a \·cry loving hi\· gwugc in /998 mu/.\0/d ov.ned v.hich started m the Los Ange­ family man. "He was qune rescn·cd," revenue of$J(X) n11llion in its first mere byOEMs." an·(~Sotiesjmm the hack c!f les area. In I earsofexistencc. said Kc'\m Kmack. The company\; suc. v.ith the tmage ofcustomu.cd \\:htcles pro­ llal1-h' ](X) to)£/ gfV.\'tl':li {01 (~­ the Inland Emptre. founder. Conme "His example of hard work. diltgence due largely to the detenmnanon and bust­ jected on tclevLSton. said Kmack. "Teb t­ timaJctimFitJb-t.'lDUUt.J.! vah ness saHy of Briatt I toro\\lu, tts CEO "on has made rt okay to accc;..soiV£ your Maylad-Threlkcl dcctded to e~pand tts and perse\crancc influenced me great­ ltWnue o(S /00 million. operatiOns in thts area. The patient ly and helped fom1 my foundation of and fmmder. \·eh1clc. to personalize 1t and make u populatton that Good Fatth prO\ ides and beltefthat anything ts po"'ible v.oth The company. "iX»C role m the SL\ to yours," he satd "There s a lot more gomg of young people and cnthtLsi.'tSn\ v.hich Ls "edgy. underground feeL" Tube \'.or\c, IS S II btl !ton atnotnoli\c aftcmlarkct mdus­ on with the autornoti\C indtL";try in theca­ good for any company." serYices to ts made up of the elderly, hard work, pcrsc\crancc and ethics." The \larladJumilr li'Orh hard to up/wid the founding prutciples o(its organi­ an acccs.sory line focused on truck.s and try mcludcs tlte mattufucture of cus­ ble shows." Such shows demonstmte the Horowitz has alv.-ays played a C<'lltral both an1bulatory and wheelchair de­ Conme, eatly on, obsen ed her fa­ :ation. the Good(iwh J!edical Tmmportation Co. Ftvm lefi.· Louie .\far/ad, sen­ SL:Vs and mcorporanng the manulhcturc tomized stdestep bars for trucks and customizmion and nlStallanon of oth.'r peo­ role m the com[lllty, srud Kraack. "With­ spare pendent, who are til with renal failure, ther, \\hO was an admimstrator of a ior vice presidem. Connre .\/aylad-Thre/kel. founder and CEO; Pia .\lay/ad. of stdeo.1ep bars and nrc mounLs. all SUVs. wheels, taillights, and fcrtdc'Th. ""' ple's automoti\C parts onto stock vehicles., out h1s dnvc, VlSJon, and dctcnnination, congcsnvc heart failure. diabetes mel­ SpaniSh company, to be sclf-discipltned vice president, administration. and Eric May/ad, \'ice president, operations n1adc of statnle;.s steeL begwt by HoroWitz in his Mtssion Viejo he added and how eaer m a derstanding how a bllsmess IS operat­ moved mto Its pt='!lt 240,000- plays a >ita! role. "It\ hun1bhng to come the count!) that ha\ e done this." APC the US It specmltzes m the productlon of mttrnent to Excellence m Human Ser­ a responstbtltty. first to God and hiS J;r.; ftrlll ed- looking at dtffcrent aspecLs of do­ square-foot facihty about a >=ago to ac­ to work every da} and interact "ith the made the li.st of the Entreprenc"tlr Hot 100 "1dcned fender quarter panels. enabling ' ices" that v.as the foundation and family and sc'Cond to serve mankmd in That \NOn m Connie did not stop mg busmess through dtfferent \lev.s commodate its expanding opcrntion..... , ac­ people I v.urk wnh;' he stated pomtrng out last year and Ernst and Yowtg nanted larger ores to be fitted beneath tlte car. as mantra of Good Fmth Medical Trans- whate\er v.ay possible. Connie says in the Philippmes. She took that vt­ and \ision. cording to a company press release. It that although he has only 'MJrked \\1th the HOOMitz Entrqrcneur of the )Car m 2!XXl ""II as front bun1pers "ith ttnbo >y;tetn­ portation Inc. in 1992. To date, she was Daddy's "pet" and he fondly sion3r) attitude when she and her fanl­ Shanng household rcsponsibihties works with vehicle manufacturers fl'j li­ company since Septentber, he has had 13 The company has also reccl\ ed seveml charged mtcrcoolers and brmXr optc•nmgs "Commitrnent to Excellence in Human called her "Bondyong." ily moved to the United States in 1987. as a child was an expectation m her censed suppliers rutd \\1Siort "They knov. "hats cool and "itats said """ hope to make APC a ho11011 Beach-based CT Realty Corp. ble? No. Her strong faith in God had an impact on the religious, family "Tollrnament of Roses," but was also whatever the call required. Good Faith Replacing - a Charming Established ... other properties in the marketplace." has completed more than 120 transac­ "moved the mountains." orientation, education and financtal as­ t,~ven the opportumty to work "ith di­ started with one van m 1992 "ith its Poh enm said that CT Realty plan.s tions totahng more than S 1.5 billion. Maylad!Threlkel was born in the pects of life in the Philippmes. Addi­ versified people. she also took the re­ fiiSt month's income of less than $200 continued fmm page I sues. whtch we v, ill solve by upgmd­ to invest nearly $1 million m reno\a­ whtch mcludes acquisitions. sales, de­ Philippines to a very close-knit family. tionally, women are regarded as impor­ sponsibility for coordinating duties and to a current gross of almost $2 million. ing the unit interio~. plus common tions to the stx-butldmg apartment \elopment and redC\elopment. She is the youngest offive children and tant and posittve in thetr roles. The functions of different dtstrict managers and recreational areas. We behevc layout," Polverim commented. "The community that w-as built m 1989. grew up m a town called San Miguel mentality was that "being a woman in the region. As ttme progressed she continued on page 12 property has deferred mamtenance ts- these improvements wtll enhance the BUSINESS JOURNAL • PAGE 8 JANUARY 2004 JANUARY 2004 BUSINESS JOURNAL • PAGE 9 Outsourcing and Offshoring tract full of opttmrsm and htgh expec­ (CWA), is a union for all high tech em­ LAW tatlOns. Ho\\ever, desptte the best tn­ ployees. Thetr mission is to provide a Could either practice affoct )JOUr job? tennons of both ennties. many poten­ strong and effective vorce for IT profes­ sionals both in public policy and m the continued finm page 3 tial ptrfalls exrst for those who do not One Clause Too Far: Why Your Employee set a cornerstone on due diltgence and workplace. Marcus Courtney, the presr­ dent of Wash Tech CWA sai,1!]e JU­ 18% is spelling out m detml what you want ny. He emphasizes that dJCre are posrtive agreements, and routinely rcfu..">C to en­ only 1fboth arc present. only the arbttratlon of actions brought by nes that many employ..:~ a<.;.~ late with Contact Center Call Centers 15% and expect. Successful outsourcmg ts unpacts on the economy of the U.S. and force arbttration agreem<.'llLs that they per­ Procedural unconscionability refers the employee. still a matter of developmg a trusting an employee lav.-suit What better way to cel\e as unfuirto emp!O)-Wi. ThiS means to the way in wluch the employees con­ Sales Marketmg 13% other developed nations that should be What Kind of Arbitration relationshtp (between the host and the keep an employee lawsutt from eating that d1e employee gets to go to tnal and sent to the arbttration agreement was ob­ Real Estate Facihties Management II% taken into account. "For example," he \greement is Enforceable? vendor). Companies must be able to your business alive? have his or her day m court_ WJth all of tamed. If the employee was forced to explams, "savings from labor arbttrage If the court finds that the arbitration TransE2rtation 9% work issues out rather than point to a But as some employers have found the a.o;;.socJated cost and mconvcmcnce. Stgn an arbttrnoon agreement as a condi­ are reflected in some combmation of agreement IS both procedurally and sub­ contract to solve thetr problems." to thetr chagnn. the world of employee lmver costs to consumers, mcreascd div­ oon of employment (wtth no mcanmgful ~ote The percentages do not add up to IOOO:o smce respondems selected rT'l<'lre than one answer. The Courts Will "'ot Enforce an stantively unconscionable. tt w1ll refuse arbitration agreements contams many opportunrty to negotiate tiS terms). or""" Understanding your firm's goals idends to shareholders, and remvesttnent Unconscionable Arbitration to enforce the arbttrarion agreement Ob­ Source· Its Vo Longer About tht! \fon~r. OutsOurcing Jnslitute. Bru;ed on survey data col· traps for the unwary. Many employers somehow tricked into signmg an a!,'fCC­ and objectives Thus these savings become dnvers for Agreement viou.,ly, an arbttrarion agreement that can­ lected bet'M!en January 2001 and June 2002 from 1,110 ouL..;ourcmg buyers. (and thetr attorneys) madvcrtently sabo­ ment that was d1fficult to understand or "Executive support and open economic growth." Frances Karamoucis Under federal law, arbitraoon agree­ not be enforced is not v\·eland Ongomg management of rela­ tures will be encouraged to rethink our streamlining and economic underpm­ Thts srtual10n has been problem­ to demonstrate innovation m it~ tionships Dr. William Boyd is the sen­ free trade agreements. New Jersey State mngs of outsourcing and offshoring atic for Valdez due to the fact that he Eaves reprud Valdez's loyalty by m­ processes and procedures is one way ior vice president and general manag­ Senator Slurley Turner mtroduced legis­ seem too strong to allow a change of served as Eaves' chief-of-staff for ststing he resign or take an unpaid leave "Laws were made to be broken" to do this. Outsourcing usually means of absence. which would freeze all er of NCI Information Systems. Inc., lation in 2002 requiring that IT and oth­ direction. Bruce Mehlman, the U.S. three years. "I was there (in the office) Christopher North, May, 1830 deltvenng highly customiZed solutions Valdez's benefits- retirement, health an information technology services er contract; in her state be perfonned by Commerce Departments a>sistant sec­ all the time," Valdez commented. for very specific problems. Therefore. benefits. vacation pay. etc., when he company specializmg m the support U.S. cttizens or legal ahens unless the retary for technology policy. told the "Eaves was only in the office about 40 "Had laws not been, we never had been blam 'd; for it is in the processes and procedures learned that Valdez mtended to file for of IT infrastructures. In an interview skills requtred to do a job could not be House Small Business Commtttee tn percent of the time. Valdez noted that not to know we sinn 'dis innocence" related to the wlution where the most the day he accepted the position was the soon-to-be vncant scat. Valdez, a res­ wtth the Outsourcmg Institute, Boyd found among that group. Turner says June (2003) that one key ts for the S1r Willtam Davenant innovative. out,ide-the-box thmkmg ident of the Fifth DIStrict, re>tgned. satd there are three key pnnctples gov­ five other states are drafting sumlar bills. Umted States to mamtain a lcaderslup the day Eaves was to be indicted. He 1606-1668 can provide the most value. told me that ifl had a change of heart. "Eaves didn't give me an option," erning the creation and maintenance The unwntZmg of certam job­ position in new technology. Mehlman 9333 BASELINE ROAD. IUIH 110 RANCHO CUCAMONGA CA 91730 "Outsourcmg is probably one of Valdez said. "He wa' attempting to hurt of positive outsourcing relationslups: threatened industries has already begun. sat

Claremont community parb and scnting Claremont city government. LLC. , Costco Fails Small Businesses Value? elementary schools w11l enjoy ncv.. members of the chamber of com­ Montclair, brJohn H Sulln·an. Pn•sident. CiviiJIWiceA.uocwflon of California by S Eric Anderson. PhD, MBA p1cmc tables after the third annual merce, along w1th CGU students. QUizno's and Da,·id Roche Realtor, Centun· 21 Mystery Chanty Event hosted by faculty, and staff assembled 12 p1cmc Claremont Marketers spend billions each year attempting to convince consumers that Claremont Graduate University's Pe­ tables and benches, which were then Village; Once agam, the Legislature has failed to solve a problem tlmt is cosnng Califor­ what they have to offer represents fa1r value. Why do consumers pay five times ter F. Drucker of the Graduate School painted in festive colors . Claremont Round Table nia JObs and rem forcing rl1e message that Califomia is not a good place to do busmess. more for a business-class seat than an economy-class seat? If space ts really what of Management. The event at the mayor Paul Held, and mayor pro tern Pizza - Base­ The Legislature adjourned this year without any relief for tl1e 'ietmJ> of shakedown they're after, then why not buy three economy class seats, which would provide Claremont Un1fied School D!Stnct's Sandra Baldonado, as well as Peter lme& Mills; lawswt> the thotNmd, ofsmall businesses (auto dealers and reparr >hops, nail salons, more space for less money? In addition, since 9-11, aJrlmes no longer shut the Mamtenance Yard brought commum­ and Doris Drucker were in atten­ Subway- In­ restaurant> and n1llll} others) across the state that have been burdened by fiivolous curtain di"ding the busmess-class from the economy class and plastic clamps ty members and leaders together with dance. dian H1ll & "17200" clai1110 from private fee-seeking lm,yers. can be put on the seat in front so no one can recline back into one's space. CG U students, faculty, and staff m a "In my mmd three thmgs make Arrow; and After years of see lung sensible and responSible refom1 to end these abusl\e The reason business-class travelers v.ant to pay more is so that they can be chanty event des1gned to benefit local thiS event truly special," smd Mayor Wolfe's Mar­ lawsuits. on!} to be tumed av.ay by a Legislature dommated b) the personal m­ seen m busmess class. Why else are they allowed to board first'> Most realize children. Held. "It's an event that brings the ket. JUI) '"''ycrs and their huge campaign budgets. Callfonua \ busmess conmmm- that it IS more ctficiCnt to board from the rear than from the front Clever mar­ The annual event emphasizes commumty together. It's great mterac­ Those m­ 1) ts left wlth only one altemati,·e- taklng the 1ssue directly to the voters 'man keting has resulted in most consumers v..:anting to over-pay. E\ en those from the commumty blllldmg and seeks to tiOn between town and gown. It pro­ tercsted m imttati\c. Californians to Stop Shakedown Lawsuits (CSSL) a broad-based underprivileged classes en'y the favored ones' pri\lleges and are doing all they teach management students lessons duces an ongomg benefit to the com­ sponsonng coalition of business organizations, taxpayers groups, consumers and large and can to obtain the same advantages. about gtving back to the commumty munity." future events small compames from across the state, recently filed an imt1anve for the No­ For example, most don't want the mexpensl\'e knock-off products with In­ that can't be easily learned m a class­ Claremont busmesscs were gen­ or who would \Cmber 2004 ballot that would end the shakedov.n lawsull mill, but still allow discernible imitation labels, which are made on the same assembly !me as the room. "The sp1nt of g1ving and the erous in their support of the event thiS like to make a mdl\ iduals who have suffered ham> to file suit. expensive name brands. Most are unaware that many name brand compames sense of brotherhood we feel today year. Sponsors included: Jones, Ma­ tax -de­ Twelve colorjitl picnic tables and benches were assembled hy sit California's Business and Professions Code Section 17200 a law umquc don't make their products and are essenlially selling JUSt their logos. will carry with us well beyond our honey, Bray>on & Soli LLP; Oremor duct1ble do­ constntction teams at the third annual Myste1y Charity Event, to California contains a loophole allowing predatory personal mjury lawyers Why then arc so many willing to spend much more for almost the same years at the Drucker School," said Management and lnvesnncnt Co.; nation should hosted hy Claremont Graduate University s Peter F. Dmcker of to act like a d!Smct at1orney or the At1omey General and file law suns on behalf thing? Quality is often the reason gl\cn. However, if quality was really the rea­ Richard Park, management student Carlton, DiSante & Freudenberger, contact Ce­ the Graduate &hoof ofManagement. Claremont commumty of the general public. No other state allov.s pnvatc lawyers to make fortunes by son and the product represented value, then why are expensive name brands so and president of the Drucker School LLP; Taylor, Simonson & Winter leste Palmer parks and elementary schools "''"benefit from the efforts of filing suits against bus messes on behalf of the general public even when no concerned about knock-off labels and domg all they can to shut them dO\vn'' The Student Assembly. LLP; Advanced Color Graphics, The at 909-621- member.\· vf the community and students ~':ho worked together ar law has been broken. no one has been miSled or damaged and they don't even primar} reason that most conswners pay more for a name brand IS that they are Six construction teams repre- Claremont lnn Hosp1tality Ventures 8067. the Claremont um/ied School D1strict s Maintenance )iml have a client! afraid that someone will ask them if it is real or not. Marketers arc well aware contmued on page 14 that the \alue of a nan1c brand only exists because others feel that 11 has value. Consumers will spend more for brand names not for the quality provided but Seven Steps to CALHFA and Habitat for mosi!y for prestige purposes. Humanity Establish New Casinos - How Many Is cowinued on puge 13 Retirement Success $490,000 Partnership Too Many? Debbie Does Ontario byJ Michael Pav. CPP™ !ems, have a good death, and leave a Habitlll for Hwnanityl<. and the Cali­ need an affordable place to live on br Danne1 Ball legacy! Easier said than done. Each of femia HousmgFinanceAgency (CaiHFA) terms they can manage." accordmg to by Joe l,rom At this tunc of year it is quite these reqwres a strategic plan and work­ are teaming up to provide new housmg or­ Ca!H~/\'s executive director, Theresa In a court set1lement, our local Soboba Indian Tnbe accumulated a great lt's time for Ontario to get off Debb1c Acker's back. common to take stock of our progress, mg that plan to its completion. portumties for California fum11ies 111 need Parker. "We're pleased to partner on piece of land off the reservation and talk of another casino operation m this bet­ Almost smce the day she JOmed the city council she has faced anacb and make resolutions to 1mprove, and then How much money will be need­ Thts partnership enables Cali for­ this effort '>'ith a global, grass-root>; or­ ter location started immediately. They already have a huge and very successful cntiCISm. It's as If her two X chromosomes have turned the Good 01' Boys let daily occurrences influence our di­ ed for this active affluent retirement, ma Habitat for Humanity affiliates to ganization like Habitat for Humanity." gammg facility on the reservation. against her. Of course, that's not po.siblc in this new millennium. (Is it'') rection. After more than 29 years of and where is 11 comtng from? There stretch thetr existing resources, gener­ Habitat for Humaruty IS dedicated to It seems there ts a process m place whereby any land owmed by the tribe can Sill!. they have banned her from most of the ctty hall. TI1ey have limited her assisting people with their plans, I sec are studies that show that company ate more funds, and build more afford­ elimi11ating poverty housmg. Founded in be dc"gnated "Indian land" and then a gambling busmess can be established on ability to talk to Cit) employees. They even threatened to take her to court if she some very common elements in the savings/retirement plans and SOCial se­ able homes that are urgently needed in 1976 by Millard FulleLalrngwith his "ifc, that property. didn't step down. lives of successful ones. cunty may prov1de about half of the state. Ca!HFA has mvcsted 111 Lmda, Habitat for Humaruty lntcmabonal Just last month a column in the Inland ~i1lley Dailr Bulletin clauned that Take ret~rement plannmg for e.x­ that while personal sanngs is re­ $490,000 of mortgage-backed secun­ and rts affiliates in more than 3.000 com­ Questions arise: Councilperson Acker v1rtually "sucked the oxygen" out of the council hall. ample. Everybody knows they will quired for the rest. How the accumu­ tles issued by Habitat for Humanity. munities m Docs this concept show preferential treatment to the The very next day they described her latest misadventures. TI1cy reponed that retire someday, sometimes sooner lation works takes a certain amount of CaiHFAS Ul\'CSOllent of nearly a half­ 150.000 hcmes to prutrter fumilies wrth no­ lndJans'' Are we allowmg too many casmos to be built? Maybe so. And here IS city officials were stunned that she would have the unmitigated gall to ask if a com­ than expected sometimes 11 takes projection based on knowledge and m•lhon dollars \\ill help pJU\.idc fundmg profi~ zero-interest mortgages. For more why I thmk it may be time to take another look, and maybe call a halt to the pany contracted to do busmcss with Ontario had an Ontario busmcss license. longer than they may want, and fi­ cxpenence. to four Habitat for Hurnamty affiliates m infommtion, visit www.habitat.org. building of more gambling casmos in the state of Califomw. The paper contmues by quoting Ontario City Manager Greg Devereaux as nancial independence is the goal. Having few health problems Califomia including Habttat for Hunmn­ Social reasons: calling Acker's questions, "one of the grossest misrepresentations of public Those who reach this goal are not just throughout retirement also takes plan­ ity Golden Empire. Mt. Diablo Habitat Co/HFA. the stateS affordnble housing We do not fully understand the impact on our culture ofhavmg places to records and public documents," that he had ever seen. those who inhent their nest eggs, or ning based on knowledge and experi­ for Humaruty, Habitat for Humanity San bank, ""-' chanered in 1975 to meet the gamble C\cry\\here close by in our commumties. Surely, some of the crime and City At1orney John Brown called her actions, "assassmation by mfcrcnce." win the lot1ery; but mamly those who ence, and involves nutritiOn, exercise, Bernardino, and Habitat for Humanity hou'img nt!i~ qflau:..to moderote income some of the family problems affiliated with gambling addiction can be traced to He further stated that to question people m this way would threaten anyone else through detennmation work a well­ stress and anger management, and a South Bay/Long Beach. These affiliates Californiam and has helped more than the close prox1mity of casinos to our neighborhoods. wanting to do busmess with the city. thought-out plan. good environment. benefit by having •mmediate access to 120.000/ami/ies pwr:hase dleir first honk'. What ts the impact on household spendmg and what are the problems m 1t leads me to wonder 1f accountability IS something not to be discussed m The ftrst step m a successful plan IS Leaving a legacy takes planning money they nol111llll} would collect over tto.-e mfiJtnllJ/ion 011 the CalHF.4/Habitlll family budgetmg that crop up and could be associated wtth gambling? In other Ontario. Is the job of the city council to sunply be a rubber stan>p'? Are rules and to begm with the "best" end 111 mmd. because, above all, we don't want to the lire of the mortgages. fr Hwnt111it) · F!Jrtnerolip and d>! foil com­ "orc.ls: Just ho" much of a fam1ly's budget that should be going to pay for food regulatiOns to be ignored? That could mean to have an actiVe af­ "Ca!HFA is constantly looking for plement o(Ca/HF/1 J;>vgronts are amilaiie fluent retiremen~ have few health prob- cominued on page 14 innovative ways to help families who tl!l.800.7892432 or www.calhfa.ea.gov. continued on page I2 colllinued on page 15 JANUARY 2004 BUS I NESS JOUR NAL • PAGE 12 DECEMBER 2003 BLSII'twr mean clcctromc JUnk mail. Spam is comes from an e-mail address that is sc\cral state lav.-s and creates a uni· Some "''II argue "tmplicd con­ importance. She credih her parenh' N. wtth an) b~m""-. Good Faith agmgpopu­ Pia .\far/ad ami Cmntie ,\/arlad-Threlkel Bad roH;.fivmlcfi Dcll'id what waits for you cvel)· morning, little more that gtbbensh. Add them to form national standard for commer­ sent" m that you brought your com­ mfluence of work ethtcs and religw~ does ha\" ns challenges. The organ12>100n lation and Teston.di. pc tch, Eric ,\fat lad: Shatm fli1lker. TimrmenrAwhori:a­ 1 1 when that JOlly \'OICC lets you kno\\ your bmlt-m spatn filter and they JUSt cial e-matl puter into your home. just a.~ you did V"alues as having played a key role in started w;th challenges and still there ""' that the tion Request (TAR) secrew:r. Louie .Hay/ad; Harianu Guen-em, of: that "You'1e Got Mat!." get changed the next day. The ne"' Ia" has a kmd of Do­ your phone. Ask anyone who 'ells ad­ her own philosophy of giving back to challenge; that Conruc has to fucc loom­ Arnencan flee billi11g mu11ager. a11d Phil A11dr; should be able Medi-Cal. private pa}, HMOs, work­ lenges. But as Connie says, "you reap cash pnzes, be placed on the doorstep som urunhtbtted. of speech Another" a lack of regula­ to usc e-mail to reach potential cus­ er.;' compertSation cases and other tlurd what you sow." You sow good deeds of those who build and run these lu­ ~witel Po litical fallout: tion and clear dcfimtJOn on the fnter- tomers. But they I'CC"!,'lltze that 'pan1 party msurance. and you wtll defimtely reap rewards. crative gatnbling operatlons0 Many candidare.; rurmmg for office The philosophy of caring and con­ One ofConme's rewards is meeting a Financial considerations: are now accepting huge atnount; of 1 he most s.gn,rrcant aspect of :.he tutecommumc.:ahons cern is extended to the employees of very good man whom she matned in Subscribe Now! Call Today system purchase decrsron rs th. Such replacement hght­ build casinos? Campaign Money: "don't care" mmunahst lifestyle such specialty and niche vehicles as 10\' ing equiptrent a' clear comer and bumper Why not? If the tribes can buy As a candidate for statewide of­ Consumer research has found that S<-"Cms to be catchmg on. e\'tdenccd by riders and minl-trucks. He also s=ro as lenses and high intensity dischaige con­ land and convert 11 to casmo land how fice that will represent California in the purchases of single men are more the fact that many of the nch arc v;ce president for Pilot, a different alllo­ \ersion 1ats '"""the subject of four recalls long wlil u be before other busmess Washmgton. D.C., if elected. I feel it likely to be more motivated by prestige spending a fortune on their beat-up. motiv" aJiennarl. mtercsts force the hand of California Kiwltel's Partial Client List: is my duty to speak out and speak up than purchases made by married men. worn, ripped raggedy garntcnts. As a Outside of his current dintes with "Unfortunately, when you're as b1g to allow any legttimate group to build on problems of this nature. I feel it IS The rationale provided IS that matncd result, many of the Hollywood elite APC, Horowitz L' a member ofSEMA:s as we are. and as \\ell-known. you tend to a gambling hall? When the competi­ time to say "enough IS enough." It just men are no longer as interested in are paymg a lot to look as tf they are board of directors and lS chainltan of the gct looked on a little rougher than the next tion becomes too great, will we then > Epson makes good sense both economi­ spending money to prOJect a certain not spending a lot. However, the non­ ~!;Sport Comtro Courcil. He guy. There ""' a lot of people out there be left with huge buildmgs sitting >Johnny Rockets cally and socially to say NO' .. to the image and even if they did it IS doubt­ chalant image IS clearly negated when is also a skilled scuba diver and profuse who do the SaJne land of thing, but we sit empty out on tribal reservation land >City Of Fount;un Valley building of any more gambling casi­ ful that thetr wives would let them, they show up at a party m a 30-ft. lim­ collector of Coca-Cola memorabilia. In on top of the market 1vith these types of all over California? nos m the state of California and I ousine with tinted windows. > Veno spite ofOOter porential venues in the same parts and accessories, so we kind of got since it is now their money. A com­ >YMCA crowded marl Payleu Foods in Horowitzs gar"l!e ranks abO\e others. rector of markctmg, Kevm Kraack. He women \vondering what inadequacies ch01ce of transportation was prima­ should be allowed to flourish. They see Danney Ball rily selected m order to avoid bcmg > Spnng Atr Mattress said Kraack. "APC ts by far the coole<>t added ''We rect1fied anything that had the driver was overcompensating for by tt as a good source of tax revenue and recognized? Be honest, how incon­ company to \\Oik for.'' he said. been "TO!lg." Krnack added that the com­ Candidate For The U.S. Senate spending six-figures on a sports car. >Mobil Modular Last Jure. the company had to pay a pany is now entirely compliant with De­ see no problem with the mdustry as Ph. 909-658-6494 Most are now beginning to ques­ spicuous is a 30-foot Cadtllac with a $650,000 ci\11 penalty for the manufac­ partment ofTmnsportation standards. long as it is taxed to help pay state info(adanneyball.com tion how much respect someone who 15-ft. TV antenna and a umfornted ture, certification and sale of replarenent budget deficit.,. But should we merely www.beatbcxcr.com spends sign1ficantly more JUSt to im- driver? JANUARY 2004 BLSINESS JOLR"'AL • PACE 14 JANUARY 2004 BLSINESS JOUR:'iAL • PACE IS

ha'e at your dtsposal'' Do your IO\ ed ones kno\\ what Seven Steps to Retirement Success are your final w1shes'? EDUCATION cominuedjnmz page II planned for some reason. what con­ What srrategtcs have you devel­ While all thts may seem like a lot tingencies can be de,·cloped? oped to achteve your goals'' of "ork. it is well worth the effort and IS common to those \\ ho ach!C\ e their Lisa Madrigal Appointed Academic Dean at Mt. outlt\ e our m;oun::es, and we may want 'W"hat acttons need to be taken now Step T\\o: Research goals. Financial plannmg can be to help our adult chtldn:n. or grandclul­ to implement your str..-ttcgics? Become a student of retirement. done m conjunction with a Certtficd Sierra College dren. Oth= "ant to Iem e a l"!,>acy b) Take an objecUve class \\lthout a sales 1 Step Six: Develop a Succession Financial Planncrn • and can sa\e a estabiL-illtng an endO\\lllent for a fa,onte btas. Read about what you "nnt to do, Plan lot ofttme and effort on your behalf. Madrigal brings extensive experience in teaching, business and leadership to Mt Sierra. organ12anon or scholarshtp fiutd that car­ long before you do tt Lean1 about your The same seven steps can be adapted ries their names perperually. LSS"UC«, Im­ Lisa Madrigal, department chatr­ In her new position, Madrigal will ter's m Enghsh and IS currently pursu­ m­ health and what you can do to Who arc your hen'S? to other important goals you may ravia. In addation to on-campus Ha\ ing established these goals, prove them. Prncticc before the b1g personand professor at Mt. Sierra Col­ be responsible for the day-to-day ad­ mg a doctorate in psychology. structton, the college delivers pro­ What wtll they get and under have. such as education plannmg, es~ ''e haH: others thai compete , ... ith event takmg a long \acanon m the loca­ lege, was recently appointed academ­ ministration of overseeing Mt. Sierra "With a strong background m grams completely online and m tiS hy­ what conditiOns'? tate planning, and so forth. them for our resources. In addition to tion you "'ish to move to. ju~1 to be sure. ic dean. College's academics department. In teachmg, I look forward to the oppor­ bnd FlexLeamii method. The focus of Finally, there is the tssue of our standard of"' mg, and all that en­ Vaughn Hartuman. president and cooperation with the department tunity to serve the Mt. Sierra commu­ Mt. Sierra ts on providing students a Step Three: Decide on Your What prO\ tstons for gifhng to coachmg. This is a process we em~ tail!r-lhanks to the Joncsc:-; we han~ to CEO of Mt Sierra College, made the for­ chatrs, Madrigal wtll provtde support nity m this enhanced capacity," Madn­ flextble, yet challenging academtc en­ Retirement \·ision your legacy'' ploy for not only asststing wuh the educate our chtldn:n (our real legacy), mal announcement for Madrigal to as­ to the faculty and management of the gal satd. VIronment. The bachelor's degrees can goal setting and budget mg. but on a handle emergencies, replace roofS and Step Seven: De.elop ContingenC) swnc her new duties effective on Dec. 1. academtc programs. Under the dtrec­ Mt. Sterra College ts a pnvate in­ be earned m JUSt three years! The col­ \Vhat arc )OU retiring for and to? regular basis cnt1qumg. cncouragmg, other deferred maintenance. and take Plans "As a department chatrpcrson and tton of Andrews, Madngal will also stttutton offermg bachelor's degree lege is known for pro\ iding a untque assistmg. adnstng. and such. Thts vacation~. Some people spend more \Vhcre \\ill you retire'"> The best latd plans often hit professor. Lisa has been an instnuncn­ ass1st in the development of academ­ programs m busmessle-busmess, mul­ high quality, "balanced education," process we call Financml Plannmg time planning their \acations than bumps in the road. tal leader m tnstruerional pfOb'Til!lls and IC policies. manage student discipline, timedia design. telecommunications combmmg the development of pro­ \\"hat goals 'md implementation ac­ Plusn1 and is a'ailablc on a ,·aiue­ anythmg else~ Before \\.C kno\.\ it our m the development of Mt. Sterra Col­ monitor student academic progress, and computer 1nfonnation technology. fessiOnal growth skills with the tech­ ti\lt:ics v.. iJI facilitate your' ision? added basis. money ts all accounted for. and our re­ \Vbat '" 111 you usc for emergency leges Flex Learn and onlmc programs," lead online course development ef­ The school was founded in 1990 and nical tools that employers demand m I w1sh you every success m your tirement plannmg takes a back scat. Step Four: Decide on Your funds? John W Andn:ws, vtce prestdent of ed­ forts and lead faculty de,·elopment has a successful record of provtdmg today 's nC\\- economy. Newc Year esaluation of the tmportant So "hats the an:,"d? And \\here ts \lonthl) Income ucation said. "She brings a wealth of and evaluation procedures. students with practical rcal-\\.:orld Mt. Sierra ts accredited by the Ac­ If you or a IO\ ed one '"II need issues in your life and your effective all the mOll<.)' gomg to come from'' There This amount may lx: close to your tcachmg, busmcss and leadership ex­ Madrigal, a resident of Montclatr, sktlls, using contemporary techniques cred!tmg CommiSSIOn of Career long-tenn care? planning for them. ;,; hope for tho;e "110 truly "ant it all. current take-home pay. less commut­ perience to her new positiOn. We look bnngs more than 20 years of com­ and tcchnologtes. Schools and Colleges ofTcchnology. In For example, there are "Seven tng costs and other '-'Ork related ex­ Have you written a medical di­ fof\\ard to workmg wtth her as Mt. bmed business and teachmg experi­ The htgh-tech campus of Mt 2002, the College was honored as a Claremont Financial Group Inc mar Steps to Retirement Success." ,-..·hich penses. Subtract a third for state and rccti,·e to physicians? S1crra contmucs the pursuit of cduca­ ence in the proprietary sector to her Sterra College is located in the San School of Dtstrnct1on by the ACCSCT be reached by callrng 909.6:!49200. happens to be the name of a four­ federal taxes. unless you move to nonal excellence and growth." new posinon. Madrigal holds a mas- Gabriel Valley commumty of Mon- Do you have a durable power of " eek semmar I am teaching for the Arkansas, which may still ha\e no anorney for health care1 Claremont Adult School begmnmg state taxes at that time. Jan. 8. Here IS a pre' iev,:. Draw up a tentan' e budget Of all Don't Recruit The Best People-Attract Them those expenses. hO\\ much of it will be Step One: \lake a Decision continued from page 5 Fulfill Your PFE filling its PFE. but the person sttll topi< of "Crcaung The Perfect Com­ met IJ} your perNon or profit-shanng and Subscribe Now. (909)989-4 733 If it is retirement. for C'\ample. Ralph Waldo Emerson said "What needs to be commced then you don't pany" A graduate of Sorrlnve.\tern soc tal sccunl)'' The balance drndcd by decid~ on the retirement date. more or ten form. It may seem obv1ou..-; to you you do speaks so loudly that I cannot want them m your organization Cni1·ersiry:., ,\.IBA program, he has 10 i_, the arnowlt you will ha\c to dcn\e less, and learn about }OUr choices and as a leader, or to your employees. hear \\hat you are saying." This is Make your hfe easier. make your sen·ed as a btL'iiness struteg1stfhr mt­ from pcNJnal sa\mgs. what you can do about them. Choic­ Now is the time to either tum 1t into something for organizations to remem­ company more successful. Don't re­ merous FOrtune 500 companies. and es ha\ e to do with the \cry important Step Fhe: Develop a Financial the written word if it isn't yet, or make ber. To succeed in attracting, not rc­ cruit the best people, attract them. co-finmded tire Business Pirilosophc why (what to, not what from) when, Plan sure it is clearly articulated tf it al­ crutting the best people, an orgamzatton pmctice at Jtorningstar Consulting v.here. and hov.. Also, if the retire­ ready exists in writing. must live up to the PFE that it tdennfic:, Joirn StrelecJ..y· is tire author of Tire Gmup LLC (l11\1\:mscgi.net). He can \Vhat resources arc you certain to For Insight on Inland Empire Business... ment is mvoluntary or earlier than An example of a PI-E that is and promotes to tl1e world. Exhibttmg 11"/n• -1re You Here Calf!, and a IW­ he f"l!ached at 407-342-4181. clear, tmpactful, and to the pomt IS acnons mcongruent wtth that PFE \\111 tional(l· recogni:ed .\peaker on the that of Merck & Co .. Inc. Merck is a qwckly damage the company\ credibtl­ California Legislature Fails Small Businesses global pharn1aceuttcal products and tty and decrease thetr attraction. How­ services company that focuses heavi­ ever. for organizarions that ll\·c the PFE Debbie Does Ontario continuedfrom page /0 such as an auto repair shop owner tributlons to legtslators and apparent­ from posing as the Attorney Gen­ ly on research. Their PFE is stated m they create. eve!) action tl1ey do makes continuedfivm page I 0 But first and foremost. it i::-. to the who filled out papemork mcorrcctly ly they got what they wanted no re­ eral or a district attorney and fil­ the followmg way "Our busmess ts the attraerion that much s1ronger for po: credtt of Councilwoman Acker that Most lawyers who abuse this or a trasel agent \!.ho didn't include an fonn of the law, just the status quo mg sutts "on behalf of the gener­ preser\"lng and unpro\lng human tential candidates. If this ts ho" Ontario ts domg she asks the stmplest of all questions. loophole neser mtend their fiisolous identification number on a Web site. that lets them contmue to shakedo"n al public." life." They back this up wuh the fol­ Orgamz.attons that folio\\ these business. I have to wonder how many A questton that her brothers on the "17200" lawsuits to make it to court. This whole process is nothtng more innocent compames and family­ Prolubit a pnvate lawyer from su­ lowing sub statement "All of our ac­ three steps will find themselves ap­ other contracts have been rushed council need to learn to ask them­ They send out dozens somettme than a shakedown of innocent buSI­ owned busmesses. ing over a past problem that a tions must be measured by our suc­ proaching hiring 111 an entirely new through without question. Does some selves on every issue that passes be­ hundreds- of threatening form letters ness owners destgned to make mil­ The initiattve supported by Cali­ government agency has already cess in achJCving this goal." way. Creating awarenes.< about the or­ fonn of cronyism run rampant fore them. demanding that a business owner pay lions of dollars for unscrupulous fornians to Stop Shakedown Lawsuits solved. ganization's PFE and then in ten iew­ Tell the World What Your PFE Is through the 1 How many city "Why?" a several-thousand dollar settlement or lawyers. is a common sense approach that wi II The iniriative began etrculating in mg people anracted to the company town When you have a clearly articulated contracts are in need of investigation? Mrs. Acker may not be the face a lawsuit that will be even more The Lcgtslature has had years to close the shakedown lawsuit loophole. early December and 373,816 signa­ will become the nonn, not recruitmg. 'ersion of your PFE, let the \\Orld kilo\\ Thanks to the tax revenues from sharpest pcnctl the box but in her costly to defend The recipients of pass legislation to stop these scam The reform inittative would: tures will need to be filed in April to For organiz.ations that arc doing the m "!tat rt is. Put it on all your marketing ma­ the Auto Center, The Mtlls Mall and nat\ etc. she has the capac1ty to be­ these threats are often hard-working, lawsuits while still enabling con­ Prohibit a private lawyer wtth no quahfy the measure for the No,_ 2004 three steps very successfully, hasmg terials, mtemal docwnents, v-.cb sites. ruld other gold mines, Ontario has tx.'Comc honest small business owners, many sumers to sue a company that has client and no e' idence of harn1 ballot. More mformation on the ini­ to 'WOrk hard to rccnnt someone come the conscience of the council. your con~nunicanons wrth buy\.'l"S. suppli­ a very rich ctty m \er} tight ttmes She may well come to city hall with a of them immigrants without the re­ harmed them. Despite the dozen bills from bemg able to shake settle­ tiative, the campaign and what you should be an indication that they arc er.;, customers, campus pil>:ctnent otftre;, Are they spendmg like drunken sunpler agenda than others. None-the­ sowces or knowledge of the IO!,>al sys­ introduced this year to curtail these ment dollars out of hardworking can do to help end shakedown la\\­ trymg to get the wrong person. If and partners. Make sure that v.hen people sailors? Arc certam people being "tak­ less. she should be allowed to function tem to fight such a threat. These at­ abuses, not a single reform was business people. suits, can be found on the Web at someone clearly understands your or­ hear the name of your company, they au­ en care of>" These are important unfettered, not gagged. tomeys claim that the business com­ passed. The trial lawyer lobby gave Stop a private lawyer without www.stopshakedownlawsuits.com. gani7.atiOn 's PFE and your orgamza­ know \\hat PFE ts. questions that need to be asked. mitted an "unfair" business practice millions of dollars in campaign con- court approval or supervision tomatically your tion has done an effective job of ful- BUSINESS JOLRNAL • PAGE 16 JANUARY 2004 JANUARY 2004 BUSINESS JOURNAL • PAGE 17 One Clause Too Far: Why Your Employee Arbitration Agreement May Not Hold up in Court GETTING ORGANIZED continued.fium pa~c 9 ly, an arlntranon clause that requm.-s the emp!O)-~" to pay for half of the rubttranon How to Set and Attain Goals for Success that the agre<,Th.'Tlt ls not procedurally un­ costs can cau....e the arbitration agreement con.sctonablc by ( I ) makmg sure that tt "' to be \le\\cd as WlCOn.. •.;c,onablc. bJ' Karim Jamie also inspire you and measure you as a along the way, reward yourself. Gtven the choice of staffing my coru;ptcuou.s and ca.sy to read and under­ person. I always ltkc to know where I An arbitration agn..'Cmcnt ma} be How to set and attain goals for Plan each mtlestone. and your team with disciplmed people or stJnd, and {2) allooltl£ the en1pl0)-·ee.-; to enforceable tfthe emp!O)-Cr is willmg to success am m relationshtp to my goals. reward wtll help keep you focused motivated people. I choose the refuse to stgn IL Of CO!llie, the om lOllS bear dte of rubttrauon and elumnatc dtsctphncd per.;on every nme. = Fir.;t, let's focus on a few broad­ Goals should be clear, specific, Take action. Now! drawback to thts approach Ls that some the tenns that the courts ,;C\\ as unfair. brush concepts that wtll give you a and measurable I have built 19 successful compa­ empiO)--res may actually refuse to sign the or allow employee; to opt out of the ar­ 7. Be on time. sturdy foundation for scning your The more spectfic your goals, the mcs on three continents. The constant!'! arbitration ab'T\.'Cment. And even if the bttration agramst housing, Product Buy Back and Project Management; take advantage of our project study only three percent of Harvard Define your VISIOn. Make sure would do. management services and ~ou wil! find your tenant 1~provement and relocation meaningful specific, or a wandering tranon agreement that fa, or the employ­ employer-employee arbitration agree­ students asked, set and wrote goals on you know exactly what you real­ projects completed wtth m1mmal dtsruption to your dally operations genemlity?" I 0. Whatever task you begm-finish. er or lmlit the C111pi0)-'CC 's rights. TcmJS ments. Careful drafting Ls cs.-;ennal to en­ a regular basis. The stunntng revela­ ly want. (Not JUSt nice to have.) When you set your goal, be sure A scattered path of unfimshed that limit the time to sue. restrict reme­ sure that your employer-employee rubt­ For add1tional1nformation contact Robert McCorkle direct at (714) 920-1938. tion of this study ts that 30 years later, You must be clear and specific. to an::;wer these three questions: 1 50 percent of the total net worth of the tasks take.-. you out of focus- fast dies avatlable to the C'lnploycc, or apply trarion agre..'lllcnt has a ck.'Cent chance of www.modularsystems com e-mail~ [email protected] group was held by JUSt three percent 2. Set as many goals as you want only to the cmp!O)-·cc 's lawsmts {but not standing up in cmut. I. Do I really want this goal? II. Be perststent. "Anythmg we per­ of the group. You guessed tt' They long-term. Some of them may be to la-."UJts brought by the emp!O)-<:r) can sist in domg becomes easier to were the three percent that had a habtt 2. How badly do I want it? huge; use your short-term goals be fatal to an arbttration agreement, be­ Jonathan Hi.uts pmcrices ltm· at the do, not because the nature of the of settmg and wntmg goals as stu­ to help you achieve long-term call"' the California cmuts ,;ev, thet11 as Ril -erside o.Dice qrn,e Pm1ner5 Inc. /em· planning. business laH: and estate plan­ 8400 orjwattslcr Dr. Rona ld l. Ellis When your acts fall out of balance tl. ll-f\2 Magnnha A'c 19:1 109 SI0.920Year Prestdent 5. Take stx stepsiacttons every day !9091 JH-42101351 um~ know how. This ts just an excuse for ness and property ov..ners. as well as Ri'en.tde. CA 925~ (non n: ... ident ~amc) with your beliefs. you throw yourself inaction. The truth is, when we focus toward reachmg your goals. The professionals. jor more than 35 years. L.o Sltmo UDlv•rslty 1.566 R7 Pmatc SI5,2S5 54,200 Lawrence I. Gernty off balance. You may well feel mom! 12. 4700Pierce St 18:1 6 1922 $15.285 Pre~idem on what we want with passiOn, the top six things on your d.atly action He coaches b)· phone and in person and Rwersadc. CA 92515 1:a1 )?~~;~?c2~:J';~2019 angst and discomfort 111 the victory, 1 way to get there becomes evtdent." list should focus on your goals. can be reached at (310) 471-4185; e­ which robs you of its JOy. 1.500 I Pmatc NIA AI DiStdano Othetwise, you fall vicnm to the \"alley Campus) sz~iCSr~r"lf~j~g~~rad mail: coachu(ahusinesscoach /.com. t3. ~~~li"l:.~~~~~~~:·~-~r 10:\ '-' Dtn.."t:lor Reveal your goals. Vtclol'\tlk. CA Q;!"\Q2 ~~~~~~~!) (760)955·7555 Make il your own goal "tyranny of the urgent." and Web site;y.•wwbusinesscoach /.com. That's right. Tell people what your w...... Uaiv•ni..:: (I( Hallh Scimao 1.459 90 GraduateUm\en.ll) ~lA Dr. Philip Pumer.mtz, Ph.D. Your goals must be your own. I To receive a free "Smarr Coach­ 14. 16 I ROO of Mcdtt:al Sctent:es ¥i75~)- ~~o,~ goalts and ask for help in reachmg 11. 6. Be disciplined. Don't let an ap­ ~:!n.~N66-!~?,{ Plv.a 1917 \1SHPE S2.25. MSN S.l50. ~)d1~l~-'C) Few but inspiring take action toward achtevmg your 4- ~~a~~t~~-1it.~d. $24,096 18. fA~N~~\Tr~ve J.~.-1 Prc~1dcnt BOOK OF LISTS Claremont. CA 91711 ' 196] (909) 62J-gJ9K/621 8.t79 Set insptring goals, but limit your­ goals.

7>6 56 PrivatdViomcn·, S24.4SO SR,IOO ~antl Y. Bek:na(· selfto setting three short-term goals 19. ~~J'~~~~b~Avc 114 I 1926 NIA Pre,,ident Get a jump on your competition by securing your Claremont. CA 91711 '" (909) 621-81-tRI62l·RH90 that are a little stretch, and as many A word to the wise: tell the posi­ long-term goals as you want. Long­ space in Inland Empire's premier reference tool 69SHE 79 Pri\ate $24,929 R.s-!4 Jon ('. Stntu'>., tive people in your life your goals. zo. ~~~'t,!Colq< 91 11 19"'iS S24.929 Prer.idcnt TODAY. Claremont CA 91711 (909l 62-t -tl4Ntl0'"' ,]OS term goals could be humongous and Don 'I bother telling those who have should really stretch you. Large, in­ no aspimtions ofthetr own; they will Sponsorship Packages ... $5,650 460 21 ABA Provt~mnallv S22.308 l·ull Tunc! ~lA JameWIL"'"'"':'"""'~"-"'II:llJ£CU!' fa ~dlJpf"flld~.,pJ,,r~d' 'm"·t nl,v "'dt'a.!l1 dat fn" l mind to work creating paths of f,r dfr m.'ht'.·mp.Jnt•· lur,d T. tht'l! '' f. ~rb achievement. As you set short-term Reward yourself. ,{ r< '" • /1 p, ~J rld• •'fTC• .' l!f f (909) 989-4733 goals, choose goals that feed reaching When you hu a milestone 1 h< Boo!- ol I ists ;nailahil' on I>tsl-. (all lJU'I-'IX'I--OJJ or Do\\llload '\o\\ from \\\\\\.'lopList.com your larger goal. Your goals should Inland Fmpin· Busint•ss .Journal JANUARY 2004 BUSI"'ESS JOURNAL • PAGE 19 2003 BANKING REVIEW Making 2004 the Year to Plan for the Future s u p p L E M E N T h1 .\like .\lcGmtlr owner is that the assets \.\lthm a be ''substantial and recurring." mean­ combmes the salary deferral feature of 401(k) are protected agamst personal ing they must occur often enough to the 401(k) and the IRA status of the Lose wetght. Keep bencr track of habtlity. whtch means those funds suppon the mtent of the plan. When SEP. The tradeoff ts that employe" California Commercial Loan Delinquency Ratio my busmcss miles. Back-up my com­ cannot be tappc'tl m the e\ent of a law­ made, these funds arc dtstnbutcd into must make mandatory matching con­ puter files. Invest m my retirement. It's smt. each employee ·s account based upon tributions to the!f employees' accounts di~rimmation a OC\\' year, which means it's time to There arc essentially three ways some spcc1fic fommlac. in exchange for no test­ Drops to 0.24 Percent From 0.31 Percent stan fresh and do the nght thmg. It's employers can channel money into a Taken together, these three ing (and, consequently. little to no cost for running the plan). Seventeen of 18 Companies Report No Delinquencies time to improve on what \\C did last 401(k): sources of funds compnse the mflows year and build a better future. While into employees' accounts. The funds Whtle the employees (includmg Accordmg to the Sept. 30. 2003 The Califon11a delmquency ratto of single purpose) commercial propcrtJes. Marcella RoJas at (916) 446-7100 or I. Voluntary Employee Deferral the cliche. "Pay yourself ftrst." may grm\ on a tax-deferred basis. but arc the 0\\11Cr) can voluntarily defer up to Quarterly Delinquency Survey conduct­ 0.29 percent com~ \\ith th~ mos1 re­ The 27 loans represent 0.28 percent of marccllaUl cmbacom for more data. Employees can defer up to seem contnte, 1t 's especially relevant taxed at ordinary mcome tax rates $8.000 (2003 ), employers arc rcqtnred ed by the Califomta Mortgage Bankers cently reported naMnal delmqucncy ra­ tliC 9.744 commercial tml =tc loans m­ S 12.000 of annual income into their to business O\\ners. If you don't start when distributed (presumably in re­ to match their contributiOns ll!-itng one Assoctatton (CMBA), 99.71 percent of tio of 0.35 percent as reponed by the cluded m the sur.. ey. Fn111uled in 1955. C.\IBA is· the Ca/ifor­ accounts (as of 2003 sttpulations). planning for your rettrement. who tirement). Of course. there arc limtta­ of two formulas. the Califom1a commcrcJal real c~tatc American Counctl of Life Insure"' F'or surYe) purposes, a loan 1s con­ ma U.\.WXWtion repre5ellling tlzi' ft•a/ e.\­ Contributions are made from pre-tax tions to the contributions. For exam­ loans sen teed by 18 mongage banking (ACLI). The ACLI survey cosered sidered delinquent if it is two or more tatefinunce indwmy hf;fhn: all gon:m­ '""0 eanungs a key mcenti\·e for saving. 1. Contribute 2 percent of each elt­ As Iegtslatton go' eming invest- ple. an employee can't rCCCI\'C more fim1S \\ei'C either current or only one pay­ $210.3 billions of commcrcigardlcss of quartered in Sacromento. CaltfOrnia, owner as \\ell. although some restric­ their respective accounts. never bt.--cn a better tune to start real­ compensation (2003) m any gts·en delinquency ratto of 29 percent. This June 30, 2003. Of the $56.2 btllion of tl1e number of payment,; pas1 due. CI!BA pmmmesfarr a!UI ethical/ending tions apply to those considered htgh­ tzmg some of the many tax advan­ year. ThiS amount mcludes the!f vol­ 2. Make a 3 percent match only to compares to a deltnquency mtto ofO.J I loans bemg serviced by the 18 Califomm Eighteen income property mortgage proctices through a ~t 'ide tmlge ofedu!u­ ly compensated. (I address this later.) tages to sa' mg your hard-earned mon­ untary deferrals. The owner and other those employees who panictpatc. percent three montl1s ago and 0. I6 per­ mortgage bankers, $162.6millton, con­ bankers partictpated m the CMBA sur­ riona/ programs. sen•ices and indtLW}' Addttionally. employees over the age ey. Jn this antcle, I briefly explain key personnel will have thclf deferrals cent a year ago. Seventeen of the 18 Sts1tng of27 individual loans, was rn.o or vey. These compantcs origmate and scrv­ publications. CJ1BA pm,·ides it\· mem­ of 50 arc eligible to add another three of the leadmg retirement plans. funher capped based on the average The retirement opttons outltned companies reported no loans more than more payment,; past due. tcc loans on apartment,;, remil, industtial lxn a mmpetitive edge by effi.'Cti\ Y:il' ag­ $2,000 deferral as a "catch-up" provt­ Hopefully. the mformation will be amount of deferrals being made by above provide JUSt a ghmpse mto m­ 30 days dclmquent. The three largcs1loans, representing and other commerctal properties form­ gregating political, economic and mw·­ Sion. helpful. and you \\til consequently the non-key employees. vestment opportunities for business This is the 20th consecutive quarter 31 percent of this total, were a $16.6 mil­ stttutional mvcstoo; such as ltfe n\Surance ketmgpm•<~: Its membershipqfmmpa­ consider them as a means of diversi­ 2. Employer Match In addition, a business owner owners. Before jumping mto one, m which the commercial loan delin­ lion loan on a retatl property. and two compantes and penSion funds. A table nie:; md1ule:; all elements ofreal estate fi­ fymg your v.ell-deserved wealth. Employers can opt to match em­ needs to consider the expense of keep­ there is a lot more mfonnation and de­ quency ratio has been beiO\\ one half of loans, for $17.5 mtllton and $16 mtllion that compares delinquenctes by type of nance. For more in_!Omlalion. pleafie 'is­ Make 2004 your year to plan for the ployee contributions mto the plan. mg the plan in compliance wtth the tat! involved in analyzmg each pro­ one percent. respectively, secured by "other" (such as property tS avatlable. Please contact it CIIBA .\ fll!h site: 11m.:cmha.cnm future. (The Safe Harbor approach is an ex­ IRS. This expense generally ranges gram. As 11 ts beyond the scope of a ception to tlus). Employer matches are from $1,000 per year up to $4.000 or basic overvtew. I have only mcludcd 40I(k) typically a percentage of the employ­ more. When considering thts plan. an what I feel are the most unponant 40l(k) plans are clearly the most ee's voluntary deferral up to a cap analysis should be done first to deter­ points. Therefore, I defmttely recom­ Temecula Valley Bank Opens New Loan widely recogmzed qualified retire­ (i.e., dollar for dollar up to 3 percent mine the likely amount of deferrals mend a thorough analysis of your per­ ment plan. A 401(k) plan provides of an employee's annual compensa­ the owner will be allowed compared sonal and business needs prior to busmess O\Vtters wtth an opportuntty Production Office in Rancho Bernardo tion). to the cost of running the program and making a decision. to mvest funds for themselves while Temecula Valley Bank (OTCBB: untque style of relationshtp banking to off.<;condido. In addition to hiS bankmg the desire of provtding retirement ben­ ln addition to the three plans I and operates as a one-bank holding com­ servmg as a valuable retirement option 3. Profit Sharing Contribution TMCV) announces the addttton of tiS busmess customers in Rm~eho Bernardo," career, Kruse served on the Poway City efits to the employees. discussed, myriad other rettrement pany for Temecula Valley Bank. As a pre­ for thetr employees. Funhermore, one Wlule profit shanng contnbutions new loan production office m Rancho satd Stephen H. Wacknttz, prcstdcnt and Council for more than eight years. m­ ferred lender (PLP) smce 1998, the lo­ arc dtscretionary. they arc required to Simplified Employee Pension plans exist, such as ESOPs, profit­ of the attractive benefits for a busmess Bernardo. With more than 33 years of CEO. Wackmtz further commented that cluding 1\li on the loan Bellevue. WA. Gurnee. IL. Avon. OH, have estate planning or chantable propnetors or small compantes, espe­ Kruse wtll be reslJOnstble for the Pnor to JOtntng Temecula Valley committee for Californta Southern Small Bradenton. FL. Tampa St. Petersburg. planning needs as well. Now is the cially those employmg primanly fam­ lending and management of the Rancho Bank, Kruse served as vice Business Development Corp. FL. Coral Spnngs. FL Jacksofl\ille, FL. time to mvest in something other than ily members. While restricted to a 25 Bernardo loan production office. president/manager for California Bank & Temecula Valley Bank "'"' estab­ and Atlanta, GA. The Bancorp 's com­ percent payroll deduction, a business your business. Among the benefits of "'The addition of our new loan pro­ Trust in Rancho Bernardo for more than ltshed in 1996 m1d operates full scrvtce mon stock is traded 0\"' the CO\mter with proper planning and mvesting arc di­ owner is permitted to contnbute the duction office m Rancho Bernardo pro­ seven years. His prevtous expenence in­ offices m Temecula. Murrieta, Fallbrook, the stock symbol TMCVOB and the versification, protection from the ef­ lesser of $40,000 or I 00 percent of vides us with an opponunity to enter a cludes four years as vice pres•dentlbranch Escondido and El CaJon. Temecula Val­ bank's Internet Web site can be reached want to subscribe to the lnlond Emptre Busmess journal fects of a lawsuit and adequate liquid­ compensatton. Ltke the 401(k). SEP new growth market and to introduce our manager of First Pacific National Bank ley Bancorp was esta!Jiished m June 2002 at www.temvalbank.com. Two Year $-48 - Includes 2001 earnings arc tax-deferred. ThiS plan tS ity. The hardest part ts gcttmg started. Book of Lists (A $30 Value) similar to traditional IRAs with early So, move investing in yourself to the years and Eaves was mdicted three Y"""' and I'm sad to see it end on that tragic Charge to my credit card· Master Card Visa Exp Date withdrawal penalties, I 00 percent un­ top of your New Year's resolutions! Former Chief of Staff Pressured ... Credit Card No. ago." In addition to Valdez, there were note." mcdtate vcstmg, and pantcipant con­ felt he was accused in a peripheral way Stgnawre ___ continued from page 9 five staff members. If the San Bernardino Board ofSu­ trol over the mvcstment deciSions. Un­ J. /lfichae/ McGrath. a chartered It'· Company of being mvolved in Eaves' alleged 'We kept providing services, repre­ pemsors decides to appoint a candidate like the 401(k). though, tt is not pro­ tirement plans specialist, is a _fimmcial Name believes he was treated m this manner to transgressions, even though he was not senting Eaves and acted on hts behalf ad~·isor fi>r JQ/encia. C4.-hw·ed Cirru" rrom a list of I 0 candidates right after tected against credttors or lawsutts. get him out of the way, beeaiLsc Eaves there during the time the federal bribery Address Jtea/th Alanagement. You can reach when he wasn't there. We brought up Eaves rcstgns, which he said v.ould be Ctty/S~te supports Assemblyman John Longville, charges were made public. "I was not Simple IRA him at mmcgrathrj.l cirru.n1l'ultlz.com the morale and no one left. I walked into before Jan. 21, that person v.ould sene Phone# D-San Bernardino. appointed, I competed for the posinon," Many small biL"ness owners find or 800-550-1095. a hornet's nest, but I tlunk my contribu­ out the remaining II months of Eaves Make check$ payable to Inland Empire Bu!rilneu Journal the Simple IRA to be a useful way of A Vietnam Naval veteran and ac­ he explamed "The office was suffenng tions represented the best mterest of the term. If not. Valdez intends to keep canl­ PO Box 1979. Rando Cucamonga, (A 91729 initiating a retirement plan. This plan tivist known as an advocate for the peo­ fTom low morale and needed stabiliza­ district and not necessarily Jerry Eaves' paignmg until Election Day. March 2, Fax (909J 989-1864 For more info, call (909)989-4733 ------ple of the Fifth District, Valdez said he tion. The investigation went on for six agenda. Jerry has had a colorful career and let the voters decide. BUSINESS JOURNAL • PAGE 20 JANUARY 2004 JANUARY 2004 BUSINESS JOURNAL • PAGE 21 Charity Golf Tourney Benefits City Missions 2003 BANKING REVIEW Approxunately 50 part1c1pants the event would be held. With spon­ ounngs. The wmnmg tean1. led by Pat fle prizes were contributed by braved 30-mlle per hour wmds and - SUPPLEMENT- sors llke Lordsman Fundmg, R & R Roche shot an 8 under par 64 for the Sonartec Golf. Southern CahfornJa cool temperatures m the first annual Financial Serv1ces, Tools R Us, day. Roche, co-host of the Sonartec PGA, Trilogy Golf Club, General Old "Mission: Possible" charity golf tour­ Thomasville Home Fumishmgs, 590 Golf Hour on 590 AM KTIE, was Golf Course, Cresta Verde Golf Club, nament at Oak Quarry Golf Club in AM KTIE, and XO Communications JOmed by Tom Bruder, Jeff N1elsen San Bernardino Golf Club, Oak Quar­ Temecula Valley Bank Appoints Ronald E. Bradley R1verside on Dec. 8. contributmg both dollars and tee and Paul Homsveld for the winning ry Golf Club, and Ben Theobald from The tournament, presented by pnzes, the tournament raised much­ tnp around Oak Quarry Golf Club. the Inland Emp1re Golf Academy. NewsTalk 590 AM KTIE and XO as Sr. VP, SBA Business Development Officer needed finances, as well as fostenng The fabulous selling at Oak Quarry The grand pnze wmner was Robert Communications, was held to benefit recognition for the CMM cause. was enough to make up for the windy Graham, who scored a set of metal Temecula Valley Bank (OTCBB: team and SBA lendmg department," Temecula for five years. Bradley cur­ for Temecula Ia!I<'' Bank. As a pre[en'ed the City Mission MiniStry of San The City Mission has been del­ and somewhat blustery cond1t10ns. woods !Tom Sonartec valued at more TMCV) announced that Ronald E. said Stephen H. Wackmtz, president rendy serves as chainnan for the Temec­ lender (PLP) since 1998. the loca/11• Bernardmo and R1verside. The or­ uged by people m need of food and Finishmg m second was the team than $700. Bradley has JOined the bank as senior and CEO. "Ron's contnbutions will en­ ula Valley Chamber of Commerce owned and opemted bank al'o htLV SBA ganization has facilities m both c1tles clothing, especially smce the devas­ from Lordsman Funding, led by Nick The day was capped off w1th an ex­ v1ce president. SBA bU>incss develop­ able the bank to grow the SBA divisiOn Board of Directors and as vice president loon prrxluction offices in Shennan Oaks, which provide food, clothmg, and tating fires that destroyed so many Arroyo. Their foursome put together cellent pnme rib dinner m the clubhouse ment officer Wuh more than 30 years and continue to give U> an opportunity for the Murneta-Temecula Group. Fresno. Chico. Anaheim !-Jill,·. Belk">1ie. hope to many homeless, poor, and un­ homes m the San Bernardino area. a fine score of 67 from the champi­ of distinguished management experi­ to pro1ide superior semce to business WA. Gurnee, IL. Aw.m. OH Brudenton. and a presentation by Cotrie Patterson. fortunate people of the Inland Empire. Also, the holldays are always a diffi­ onship tees at Oak Quarry. Flag pnze director of the City Mission Mmistries ence. Bradley will be responsible for customers in the Temecula Valley and Temecula Iaiiey Bank II US e-stab/L,hed 111 FL. Tampa/St. Petenbwg FL. Coru/ Although the mmout was smaller than cult rime for many that are not so for­ winners mcluded Tim H1ckman, Jose Inland Empire operations. All in all1t originating SBA loans from the bank's surrounding counties," Wackmtz srud. 1996 and opero!esfu/1 senice ojjice' in Spnngs, FL. Jad...";omille, FL.andA!Iama. expected tournament chainnan, Steve tunate. CMM helps to ease the bur­ Ochoa, Tony Smith, Nick Arroyo, and turned out to be a great event. headquarters in Temecula. and he will Pnor to JOmmg Temecula Valley Teme(1l}a, Murri<1t' Fallbmok. &mndi­ GA. 111e BanCOip.i; common stfX.* ifi traJ. Belltz, sa1d that all who took part had den for those in need of. sometimes, Anthony Rod.Jiguez. Also, great raf- also ser..-ice areas throughout the In­ Bank, Bradley was a corporate devel­ .\1 do and £1 Cajon Tem1!<11la Ia&,· Ban­ ed over the cotmter \\ ith the stock mbol a great time for a great cause. "We thmgs as simple as a hot cup of cof­ land Empire. "Ron Bradley 1s an out­ opment consultant for five and he TMCI.'OB and the bank.\ ltl/<111<1 Ui!b site years, cotp "m established in June 2001 and hope for bigger and better things next fee. Newstalk 590 AM KTIE pro­ standing addition to our management ser..-ed as city manager for the city of operoles as a one-bank holding mmpato· can be reached at "l-~11'l1!tenn'(}/hankcom year and apprec1ate all who played moted the tournament through spot ra­ Subscribe Now. (909)989-4733 and contributed to a great cause." Be­ dio ad1·ertisements as well as selling litz commented. sponsorship packages. XO Commu­ 1st Centennial Bancorp Expands with Religious The concept of havmg a tourna­ nications, a newcomer to the Inland ment to benefit the City MisSion Min­ Empire busmess market in Ontario, Lending Division istry was de1 eloped by Brian Hoern­ provided both golf shirts and caps to ing of 590 AM KTIE back m Sep­ each participant. 1st Centenmal Bancorp (OTCBB: Day have extensive experience m this ofROOen Pavlik and Brian~. Th:ir)"3!S In addition to the Brea Branch, 1st tember. Hoerning's efforts to create The tournament wa"> a four-person For Insight on Inland Empire Business... FCEN). parent company of 1st Centen­ specialized area that will expand the ofsuccessful perfonnance in this industry Cemennial Bank offers .filii service revenue and sponsors guaranteed that scramble format. common for chanty rual Bank announced that Robert Pavlik. bank's presence across the United States. JOCiude relatiooship marngemen~ business banking in Redlands. Escondido and SC!llor '1ce pres1dent manager. and Bri­ Tun Walbridge, president and CEO dele~ fllll!1cial n>k=rat.and Palm Deserr. The real estatekonstmc­ an Day, '1ce president relationship man­ coounented "It was our desire to offur tlu.> credit analysis. This i> a giant step fomard tion diwSion 1~ headquartered in Retl­ P&AB Provides Guide to ager, have JOmed the bank to expand ito pn:rl.x:t, but rr "as ~ly nnpcxtant to find fur our company." The religious lcndmg di­ lands, and the Small Busines.\· Admin­ KCAA 1050 AM real estate and construction lending to re­ the right personnel to head up the depart­ vision will be headquartered m the Brea ,~~·tration Division is located m Brr!a ligious orgamzations. Both Pavlik and ment We are fortunate to attract the talent Branch. in Orange County. Japanese Privacy Issues Introduces new online tool for tracking ICC Commercial Crime Services Launches Japanese privacy developments ''Tim.e Ou.t''

Privacy & American Business search, also headed by Dr. Westm. With Bill Anthony Financial Investigation Bureau (P&AB) is currently issumg a 20,000- Publication of the gwde was spon­ ICC Commercial Crime Services among the most comprehens1ve m the with terronst funding and money Investigate the source of financial word "Gwdc to Consumer Privacy in sored by Ernst & Young International and Joe Lyons has stepped up 1ts antJ-fraud services world. That database 1s at the dispos­ laundering. fraud and money laundenng Japan and the New Japanese Person­ and its Japanese affiliate, Ernst & to banks, investors and other fmanc1al al of the new service and its members. Mukundan added: "We have schemes and 1denti fy those re­ al Information Protection Law." The Young (Shin Nihon & Co). mstitutions by launching the Financial Ponengal Mukundan, director of structured FIB so that 1t offers a num­ sponsible guide focuses on the law passed by "Japan has chosen a 'middle way' They review gourmet lnvestigat1on Bureau (FIB), designed ICC Commercial Crime Services, ber of newservices to meet the needs the Japanese D1et earlier this year. between the industry-sector-based foods, travel and world to meet growmg threat> from this type said: "The role of CCB has been of financ1al mstitutions and investors Recover assets lost to financial The special P&AB issue is designed privacy laws of the U.S. and the com­ of crime. changmg to reflect the new pressures. in a direct private sector respo nse to fraud to assist both U.S. firms operating m prehensive data protection laws of the famous restaurateurs ... The FIB, wh1ch replaces the high­ We decided to redefine its role under Japan and Japanese businesses to un­ European Union," Dr. Westm com­ the globalization of organized en me Provide expert witness test1mony ly successful Commercial Crin1e Bu­ a title that more accurately defines and the advanced techmques cnminals derstand the compliance challenges mented. "The next 15 months will see in cases of fmancial fraud for reau (CCB), is designed to deal with what we do for the growmg number are usmg." and the opportunities to enhance con­ national ministries m Japan draft the prosecutors, lltigators and civil ... plus guest interviews the spread and increased sophistica­ of new members, many of them out­ Besides serving banks, FIB will sumer trust that the new Japanese Pn­ critJcal regulations under the new Pn­ claimaints tion of financial fraud. The bureau side our traditional banking base." be of particular interest to law and ac­ vacy Law presents. vacy Law. and will be a penod of Im­ with award winning chefs, will also help its members cope with The FIB's structure provides for countancy firms and mdividual in­ Core services mclude : The guide was prepared by Pro­ portant government-business-con­ mounting regulatory requirements in membership at several different levels vestors, for whom it can : fessor Alan F. Westin and Viv~an van SWller dialogues." renowned wine connois­ the wake of the 9-' II terrorist assault to ensure that it is affordable to all or­ a confidential database service Gelder, director and legal d1rector, re­ How Privacy Unfolded in Japan seurs and leaders in the on New York and Wa,hmgton. ganizations that need to protect them­ Verity the bona fides of any pro­ (FlB holds more than 200,000 spectively, of the Japan-U.S. Privacy The gu1de traces the rise of pnva­ Since the CCB was founded in selves from both the direct threat of posed fmancial transaction before records on enuties connected to and Data Protection Program, organ­ hospitality industry each cy as a new concept in Japan in the l 992. 11 has saved banks and mvestors crime and the consequences of non­ funds are paid suspicious and fraudulent actiVIty ized m 1998. The program, like 1960s. It reports the results of a na- over the past I 0 years) P&AB itself, IS an activity of the non­ Saturday on "Time Out." billions of dollars and built a database compliance with the host of regula­ Conduct background checks on of informahon on fraudsters that is lions introduced smce 9/11, dealing profit Center for Social and Legal Re- continued on page 30 the parties involved commued on page 32 BLSINESS JOLRNAL • PAGE 22 JANUARY 2004 JANUAR) 2004 BliSI'rk. NY B 7( t 7 653 6-163 HOT To21c Inc !Hl HOTT 28.250 29.780 -5.1 31.39 13.60 32.7 ~ASDAQ compared to the S I I 3 billion loss re­ lion m the second quarter of 2002 to Kevstone Automotive Industries Inc KEYS 24.880 24.420 1.9 2548 14.90 23.9 NASDAQ \\I."Jss Sa!Cty Ralmg ·\ Fx:ccllcnt, B Good.(' Fa1r. 0 Weak. I· Very 'Weak ported a year ago. With the economy re­ $1 I 0. I billion m 2003. Pac1 fie Prem1er Bancor~ Inc (H) PPBI I 1.150 9.650 15.5 I 1.80 4.25 185.8 NASDAQ Modtcch Holdmgs Inc MOOT 8.150 8.140 0.1 10.15 6.55 220 NASDAQ covering and the upturn in the market. 'The mdustry IS flush w1th cash a nee of more than I 2,000 mutual Notable Upgrades and Downgrades National RV Holdings Inc NVH 9.780 10.750 -9.0 12.10 3.75 NM NYSE msurcrs' rcahzed capital gains rose to at a time that IS, arguably, the peak of funds and more than 8,000 stocks. $4.4 billion dunng the fir>t halfof2003, PFF Bancor~ Inc PFB 36.800 37.400 -1.6 38.75 21.89 16.7 NYSE the hard market, following years of We1ss Ratings IS the only maJOr mung Among the 2.23 7 property and ca­ Prov1dent Financial Hldgs !H! PRO\" 37.012 33.510 10.5 37.12 2630 I 1.0 NASDAQ compared to a $0.5 b!lhon loss during nsmg premiums," commented Melis­ agency that receives no direct or indi­ \\;'atson Pharmaceuticals Inc (H) WPI 44.900 47.140 -4.8 50.12 26.90 24.7 NYSE suaJty msurers rev1ewed by \-Ve1ss, six the same pcnod 10 2002. sa Gannon, v1ce president of We1ss rect compensation from the compa­ compames were upgrnded while 20 Notes: (H)-Stock hit 52-week high dunng the month, (L)-Stock hit 52-week low dunng the month, ($)-Stock spilt dunng the month, NM - Not Meaningful Insurers reporting the largest Ratmgs, Inc. "However. msurers nies 1t rates for issumg its ratmgs. were downgraded. year~vcr-year increases in net mcomc should be prepared for the 10ev1table Revenues arc denved strictly from The We1ss Safety Ratings are Duff & Phelps, LLC include: return to a soft market when compet- One of the nauon 's lcadmg mvestment bankmg and fmancial adv1sory organizauons. All stock data on lh1s page is prov1ded by Duff & Phelps, LLC from Five Most Active Stocks Net fncoml! Loss Notable upgrades include: We1ss sources deemed reliable. No recommcndanon is mtcnded or implied. (3 10) 284-8008. tS~hll Home-Owners Ins. Co (Lansing. Mich.) from A to Al­ Safety 2nd Qtr 2ndQ~ Stock Month Volume Protective Ins. Co (lndJanapolis, Ind.) Company I leadguaners Ratmg 2003 2002 Change fromA to A+- Watson Pharmaceuticals Inc 20,592.100 Advances Amencan Re-lnsurnnr.:r: Co. Princeton, 1\.J C- 427.9 11,652 5} 2,080.4 Complaints ... Praise! Suggestions? HOT Top1c Inc 18,871,921 Nat. Fire & \Iianne Ins Co. Omaha, 'icb Notable downgrades include: Declines B 477.3 12929} 770.2 Fleetwood Enterprises Inc. 12,339,200 Nationwide Mutual Ins. Co Cohm1bus. Oh1o C+ 454.1 (5371 507.8 American Family Muntallns. Co (Madison. WLs.) fium B' to B E-Mail us@ Unchanged 0 Allstale Ins. Co. Northbrook, Ill A- CVB Financial Corp. I ,075,157 1,1684 678.9 489.5 Swnitomo Manne & Fire Ins. Co. of Amcr. (NC\\ York. N.Y.) fium B• to B State Farm Fire & Cas. Co Bloommgton, Ill B- (35.3) (5t3.5) 478.2 Keystone Automotive Industries Inc 864,282 New rhghs 6 New Lows 0 sales of tLs products to conswne". m­ ieb j@ bu sj ournal.com D&PIIEBJ Total Volume Month 56,611,999 Weiss Safely Ratmg: A b:cellent. B Good.(' Fate, 0 ~"eak. E Very Weak based on an analySis of a company ·s stitutions. bLL~iness, libraries, and gov­ nsk-adjusted cap1tal, reserve adequa­ 1t1ve pressures lead to dechnmg pre­ ernmental agencies. Industry Cash flo" Increases cy. profitability, liquidity, and stabili­ miums and loose underwriting stan­ 66% ty. The latter category comb10es a se­ Payden's U.S. Growth Leaders Fund Posts Win dards." Consumers needing more it!flwmation Property and casualty insure" re- ries of factors including asset gro\\th, Property and casualty insurers re- on the jinancial.w-!fety ofa spec~fic com­ -Big-cap fimd up 3 0. 5 percent through October 31 with some oflowest expenses in industry- premiUm growth, strength of affiliate pany ca11 purchase a rating and sum­ companies, and risk d1ve"ificat10n. Payden & Rygel\ U.S. Gro"th small caps for the foreseeable futwc." Fund inv.,ts m a issRarings.com, or Support for Parents more than 15,000 financial inst1nt- formance in 2003, up 30.5 percent for the Paydcn Li.S. GnMth l..eadcr.; Fund has stock>; that meet three critena. according 28 percent mt·cstcd m mfomllltion tech­ starting at Sl5 by calling 8(}() 289-9222. the year through Oct 31 compared \\1lh one ofthe kl\\cst CXJlCfN' llltK>; mthe large­ to Orndorff. About 70 percent of tl1e nology stock>; With another 20 percent by Brad Scott term needs of an agmg parent can a 24.1 percent increase for Its bench­ cap fund UMCI'iC. The finxJs 1.00 (ltC'fQ!nt fimd's holdmgs compnsc compamcs that m fmance and 15 percent m hcalthcarc. qwckly deplete your finances. Below Understand the differences ­ some people wnh low mcomes mark, the Rttsscll 1000 Gro"th Index. expense mtio Ls v.cll below Momin~ars have an established product and a con­ "Paydcn& Rygcl docs not 'closet m­ A !though you may have been ex­ arc a few tips to help you and your Medicare, Medicaid and Medigap: and limited resources. " The tide has turned" said Christo­ peer group m"C!llb'C of 155 percent In ad­ SL';(cnt rcconl of cammgs grmvth. TIJC re­ dcx.,'" says Omdorff. '"Only !\\0 ofthe top peeling it for a while and might have family plan ahead. There is a lot of confusion about Medigap: Medigap is Medicare pher Orndorff. lead strntegist of the team dition, the fund docs nct charf,Ctghtcd compamcs arc in the even prepared emotionally. if you are Open up a dialogue - Talkmg Medicare, Me; back lood or markctmg fees that can tack posscs.s tDliCJtk! technology, a new proccs.s fund's top 10 holdmgs (Intel and Johnson like most Americans, you are not to your parents about the!T financial take the time to learn about each by health insurance pohcy sold by tmc . represent our best 1dcas- I don't really caring for your agmg parents. Ac­ term care insurance: wills; living Medicare: Med1care is a fcdeml Medtcarc, such ru, the cost of pre­ trend "ill reverse itself and large-eap gro<\th category avernge of I,346 fund,_ 'This fund provides exposure to 'Mlny about what LS 111 the 1ndcx." he add;. cording to Senior Lmk, an elder care tnJsts: and power-of-attorney privi­ health 10surance progrnm for peo­ scription drugs. stock>; arc going to outperform The Payden U.S. Growth Lcade" growth indttstry-lcadmg companies as well as management company, 25 percent of leges is not an easy task. Start thts ple 65 years of age or older. the U.S. work force is providing care conversation early, before there is an Medicaid: Medicaid is a jo10t Keep liquid emergency reserves: to an aging relative. immediate need or medical emer­ federal and state progrnm that The extraordinary costs for long- gency. helps cover medical costs for continued on page 29 BUS IN ESS JOt.;R"'AL • PAGE 24 JANUAR\ 2004 JANUARY 2004 BUSIJ\ESS JOURNAL • PAGE 25 INVESTMENTS & FINANCE SAVE THE DATE MAY 7TH, 2004 Fidelity Reports Key Trends in 401(k) Investing Confidence and Account Balances on the Rise, Workers Increasing Contributions in 2004 2004

Fidelity Investments Bmldmg Fidelity reported that the av crnge ac­ ti,·e vice prcstdent, Fidelity Institu­ ers. One quarter of parttctpants held Futures I\' report on trends m defined count balance ts about $51 ,500 as of tional Retirement Servtces Company, only one in\"csm1cnt option in thctr WOMEN & BUSINESS EXPO contnbuuon plans revealed that de­ October 2003. the nations largest pro\'lder of 40 I (k) plan and of those, only 16 percent :ipite last year's difficult economic cit­ Plan partictpanb seem to be re­ plans. "Participation levels remam were mvested in a "blended" fi.md such mate. 'Wor"-:placc savings plans contin­ sponding favorably to the stock mar­ htgh and eligible workers have not as a balanced or age-b&cd fund. PRESENTED BY ued to be the retirement savings vehi­ kets perfonnance this year. According backed away from their steady contri­ "While American workers have cle of chotec w1th nearly 70 percent of to a November phone poll of parttct­ bunon levels over the years. whtch arc been very good at parttctpating in TOYOTA DEALERS American v,rorkcrs participating in pants who called hdclity, 82 percent two tmportant mc&urcs of the health their 40 I (k), we believe they can be OF SOUTHERN CALIFORNIA 40l(k)s and contnbutmg se,en per­ of \'-''Orkers mtcnd to either mcrcasc or of the system." more effective maintammg a di\crsJ­ cent of their \Vagcs on average. mamtam the same contribution levels fied plan that is not heavtly weighted Investor Confidence Risi ng Fidelity's in-depth report, whtch m 2004 and the maJority (68 percent) m one area. such as equlttes or fixcd­ The market uptum also ts rein\'lg­ is ba'<.'tstent '"th tl1c prcvimLs year. 909-989-4733 Age-Appropriate lmesting rcmm·ing company stock restriction.., is The Butldmg Futures report also a finding \'v"C observed agatn m the examined how v.orkers mvcst thctr re­ 2002 data." said Hopkms. "In an effort tirement sa\'lngs and revealed that the to pro\'lde parttctpants "ith the most maJOrity favored the domestic equtty successful dtvcrs1ficat1on strategies. asset class, which holds close to 40 plan sponsor.; arc contmumg to adJust percent of assets from the nearly "------Telephone------the1r plans and remove rcstncttons I 0.000 defined contributton plans. LOCATION: Ontario Convention ------F••------CitY.'------State/Z.p ______around company stock." Center Fidelity Investments Building Conference Registration IS S89 per person Fidelity Investments Buildin~ MAIL PAYMENT AND Groups of 10 or more are S85 per person Futures IV Report/3 REG ISTRATION FORM TO' Futures IV Report/4 COMPANY TA BLE 0 1' TEN $8SO Partictpants also understand the Inland Empire Bu~iness Journal PO Box 1979 I am enclosmg my chccklmoncy order (or the amount of S The report also revealed that near­ Rancho Cucamonga, CA 91729 benefits of asset allocation and Please charge my (circle one) MasterCard VISA ly 90 percent of sponsors arc taking (909) 989-4733 demonstrate age-appropnate mvcst­ Fax (909) 989-1864 ------Exp. Date ___ s.gnaturt advantage of new legislation by adopt­ mg.with the maJonty of older work e.,; E-mail: iebjrdbusjoumal.com VINEYARD ing catch-up provisions made a\"a il­ H A"',.;: mvestmg m more COrL"iCf\ -auvc options ablc through the Economic Grow1h and younger employees prefernnge­ and Tax Relief Reconciltation Act of qumcs. (800) 442-4996 2001 (EGTRRA) FDIC www_vineyardbank.com However, di\ersification continues to remain a challenge for some work- continued on pagt! 37 BUS INESS JOU RNAL • PAGE 26 JANUARY 2004 JANUARY 2004 BUS INESS JOURNA L • PAG E 27 INVESTMENTS & FINA.NCE HEALTH HMOs' Profits Climb 81 °/o to $5.5 Billion in 2002 bankalicious Medicare+Choice Earnings Up 117. 7% The nation's HMOs reponed an prestdent of We1ss Ratmgs, Inc. N.bik HMOs. Wetss found that profit> from \ 1'1Lo. 1 del1~ul b:mkm~ ~ence a1'lil1Nr o~ 21 one ol our cometllt111 hrancbe;. Jt\ Jll~ auOlber ua~ of \JIIfl~ tOOihtll tu.-. 1he ~ empl~ees. -.en ice and product' IIllO\\ II HMOs repomng the largest year- the mdustry 's Med1care• Chmce line Chino • lhn•mnn: • Urrooa • CcJ\ma • Glendalt: • Glcndor.a • l"'1ndale • \tnnfU\13. • Ontmo • R:tm:ho CUcamon~ • 1Cml'l1lla •Lplmd • t:qual Oppommil\ Employer • foodtiUirank.com • Lalll-NU().)IIO-&l\~ over-year mcreases Ill cammgs m- "Profitability continues to im- restructure policies to reduce costs," clude: prove as insurers raise premiums and commented Melissa Gannon. vice continu~d on page 29 LifePoint Releases Financial Results for New Web Site for Environmental Health Services the Second Quarter Ended Sept. 30, 2003 San Bemardmo County Depan­ able on the county Web stte at can find the site of a convenient class mcludmg mspectmg public catmg L1fcPomt, Inc (AMEX. LFP). a million, or $0.11 per share, for the cd the second close of a $13 milhon not only increased cash, but we also ment of Public Hcalih ~cently an­ www.sbcounty.gov/dehs. to attend. Complaints regardmg enVI­ places. public sw1mmmg areas. land­ leader rn non-m,·as,,e drug diagnosnc quarter ended Sept. 30. 2002. Includ­ financmg, cons1sting of $8.8 million ehminated all of our secured debt nounced that 11> Web Site has been up­ Business owners, such as restau­ ronmental health can also be submit­ fills, small well systems. controlling technologn!S and solunons. announced ed in the second quarter 2003 net loss m eqUJty and $4.2 nullion m debt con­ through a conversion into eqully and dated to allow the publtc easy access rant owners. can access health and ted online vectors (insects or animals such as results of operations for the second were two non-recurring gains aggre­ version to equ1ty." stated Lmda H. substantially reduced our unsecured to mformatton about food safety ttps, safety codes or fmd the cost of pennit San Bernardino County Public fiies, rats, mosquitoes. etc.) and theJr quarter ended Sept. 30, 2003. Net loss gating $1.0 million without which the Masterson, CEO and pres1dent of payables through an unsecured credi­ vector control mformation or water fees. Food workers who need to obtam Health's Environmental Health pro­ poss1ble diseases. as well as offering for the second quarter ended Sept. 30, net loss would have been $1.4 tm Ilion. LifePomt. "With this second closmg, tor settlement program. This has al- safety tips. Th1s mformation 1s avail- or update thm food handle"' cards gram performs a wide variety of tasks public education programs. 2003 was $381,637. or $0.01 per or $0.04 per share. we have significantly improved and share, compared to a net loss of$3.9 "On Sept. 27, 2003, we complet- strengthened our balance sheet. We contrnued on page 36

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Payden & Rygel now offers investors with portfolios of With $45 billion in assets under management, the fi rm is more than $1 million the same singular service and focus one of the nation's Largest independent investment 34 Southern California locations on relationships, research and risk management that the management firms. We are committed to cultivating a part­ Gtwn Ka,aAh!ro loiot 6o poundA including Corona, Montclair, firm has provided for its Largest institutional clients for nership where client needs are the bottom Line. and lowE'red hvr chole..&tProl the past twenty years. 86poim.d. Palm Desert, Riverside, Temecula and West Covina Prudent risk management. Consistent performance. Unsurpassed service. 800 644-9328 Payden&Rygel IILindora® palden.com Investment Management www.lindora.com 1-800-LINDORA COMPREHENSIVE WEIGHT CONTROL BUSINESS JOLRNAL • PACE 28 JANUAR) 2004 JANUARY 2004 BUSI'IESS JOUR:'.AL • PACE 29 HEALTH HEALTH Eisenhower Medical Center Opens State-of-the-Art HMOs' Profits Climb 81% to $5.5 Billion in 2002 cominuedflvm page 27 HMO. reportmg the lmg<>;~ mcreases than I 00,000 enrollees reported prof­ T7tc Hdss S<.~{el) Rating\ an.• h£1Jt>d on Imaging Center of business unproved 117.7 percent, 111 Medicare-'<:'h01ce profrtli 1ncludc: Ils m 2002 compared to only 55.9 per- an ana~\·si.\ of a company:\· ri.~k-ad­ -As Siemens Medical Show Site, Eisenhower Imaging Center is First to Receive earning S I bilhon m 2002 compared ~tedlcare+("ho!cc ju\ted cupual. five-year historical to $462.9 m1lhon in 2001. The line's Y.ctcrv!Cc area, includmg some physicians recruited from around the fonn $141.9 million m 2001. small compamcs those with fewer from C+ to B­ normally ft>und at a tcachmg nr research hospnal. nation, Eisenhower Imaging Center Pacific Hospital Association (Eugene, Ore.) from B to A- That means delhcatcd people but n also means dcdt­ c:ltlng resources. is positioned at the top of the Imag­ Notable dm,ngradcs include: ing and radiOlogy field, w1th the Betw~n now .md 2001 Rn:crstdc Commumry wdl Support for Parents Pac1ficare ofOkalahoma Inc. (Tulsa, Okla.) from B- toC­ invest more than SB million to expand and tmpro\'e ability to prov1de expert analysis Memphis Managed Care Corp. (MemphiS. Tenn.) from D-to E faCJht1es mclutllng an expanded Emc:rgenq continued from page 23 many cases, smlUitaneously support­ and diagnosis on s1te. Health Plw; of LouiSiana Inc. (Shrc,cport. La.) Department, a new Cancer Center, an expanded from D- toE "Our goal IS to offer access to ing and saving for their 0\\11 children. :'\'ronatal lnten<-1\'C Care Untt (!':'1CU), and 'itate-Qf­ the-art monnonng .1nJ radiUiogy equipment the latest technology, coupled with Have a cru;h rcser.e of at IC in Arcadia .\pecwli:ing in urn:srment wtde range of programs and professional carcgl\ers, and Chil­ r.:tmregies, husiness mrner ;,_,ue~· and • DIABETES SERVICES relationship with Siemens Medical. and serYices. Eisenhower lmagmg Center w11l dren of Agmg Parents retirement planning Scott is a Char­ • THE CANCER CENTER The hospital is serve as a show s1te for Siemens, (www.caps4carcgJvcrs.org) is a non­ tered Financial Consultant and plat­ profit, chantablc organizatiOn dedi­ iliUm financial sen·i('£'5 mh'i.wr c?f Durmg O~n Enrollment th1s year make sure meaning that it will be the "model" com eniently located American £\press f(nancwiA.ch·ison the health plan you choose mcludcs R1\'ero:;1dc center that Siemens uses to show­ cated to assistmg family caregivers. JUst south of the C'.A>mmumry Hosp1tal. Find the balance: While baby Inc., memher VASDS/PC Fin- mmt• case its imaging and radiology 10 Freeway between equipment line to prospective clients boomers arc prcpanng for and takmg mfi>rmation, plea1·e cull 626-447-4060. care of their aging parents, and in and the first to receive new eqUip­ Central A\·enue and ment upgrades. Res1dents of the Monte Vista A\·enue Coachella Valley can rest assured Complaints,,. Praise! Suggestions? m the city of !vlontclair. knowing they will always receive For information, the most prec1se dmgnoses w;ing the most advanced equipment in South­ E-Mail us@ please call em California. (909) 625-5411 With the comfort of their guests DOCTO~OSPITAL 5000 San Bemardino '>t. Medical Center of Montclair a high prionty, the Eisenhower Montclair CA 917o3 ",-flvt.l'! ''·tfii,.(tj(;" continued on page 37 BliSINESS JOURNAL • PAGE 30 JANUARY 2004 JANUARY 2004 BUSINESS JOURNAL • PAGE 31 HEALTH EMPLOYER'S PAGE Californians Against Government Run Health Care Cautious Staffmg Pace Expected to Linger in Riverside Coalition Asks Appellate Court :-.igncd petitions to place the measure petitions to stop the $7 billion health ers Begmning in 2006, busmesscs to Give Californians the Right to on the ballot care tax. and give ,·otcrs the nght to v. 1th 200 \.vorkcrs or more would have Riverside area employers expect JObs as last quarter, and 6 percent arc \ote on Health Care Tax "The deciSion of Judge Connelly decide If they \\ant thiS costly law. to prm;de coverage for employe.,.., and to hire at a slow pace dunng the first unsure of their first quarter employ­ EMPLOYMENT OUTLOOK SURVEY A coalinon of business groups re­ disenfranchises the hundreds oftl10u- Secretary of State Kev111 Shelly found their dependent>, mcluding domestic quarter of 2004, accordmg to the ment activity. When the seasonal SUMMARY OF RESULTS FOR THE STATE OF CALIFOR'dA cently asked the Third District Court sands of,otcrs who SJgncd the refer- that sufficient Slgnamres had been ob­ partners. Employers with 50-199 Manpower Employment Outlook Sur­ variations are removed from the sur­ 1ST QUARTER- 2004 of Appeal m Sacramento to overturn en dum petit ions to give voters the tained to place the referendum on the workers would pay for coverage for vey. vey results, the data reveals that the (JA UARY/FEBRUARY/MARCH) the decision of a local judge that chance to decide if California really March 2004 ballot, but did not cert1t)t employees only begmning in 2007, From January to March, 17 per­ lunng forecast from January to March would prevent Californians from ,·ot­ needs a $7 billion health care tax," the measure, pending a ruling by the while businesses \Vith 20-49 \vorkcrs cent of the companies interviewed is more positJve than it was last quar­ The following table shows the percentage ofemplm·ers in the state of CALI­ ing on a referendum against Senate said John D. Dunlap Ill, president of court on a legal challenge filed by the would pay for employee coverage plan to hire more employees, wh1le 13 ter and relatively consistent with the FORNIA who plan to change or maintain rhe si:e ofrheir li'Or~10rce during Bill2 (Burton). The lcgisla~on would the California Restaurant Association proponents ofSB2. when a tax credjt 1s enacted. A recent percent mtcnd to reduce thc1r work­ outlook a year ago. rhe indicated rime period. cost consumers and businesses more and co-chair of Californians Against SB2 would require employers study by the Los Angeles Area Eco­ force, accordmg to Manpower About the Suncy >;() [)():-;'T WT than $7 billion per year in h1gher Government Run Healthcare (CA­ with 20 or more \\Orkers to pay for nomic Development Corporauon es­ spokesperson Evlyn Wilcox. Anoth­ The Manpower Employment NCRb\SL C1 L\.'>;fii· DLCRCASE IC\CM (NC-DlC! health insurance costs. Judge Lloyd GRH), the coalition that has mounted health msurance for their employees nmates the costs ofSB 2 at more than er 70 percent expect to maintam their Outlook Survey IS conducted quarter­ BAKERSFLELD 37% Connelly blocked the certification of the referendum effort. or pay a huge tax to create a mass1ve $7 billion for Callfornm's bus111es.s and current staff levels. 46% 17% 0% 20% ly to measure employers' mtcntiOn."i to the referendum. despite the fact that On Dec. I, CAGRH submined new go\·ernment bureaucracy to man­ workers. "R1vcrs1de area employers report­ CITY OF INDUSTRY 13% 51°10 13% 23°/o 0% increase or decrease the number of more than 624.000 California voters more than 624,000 voter signamres on age the health care system for work- ed SJmJiarly conservative staffing CONCORD 27% 56% 17% 0°/0 10°/o plans for the fourth quarter when 23 employees 111 their workforce during CORONA 23% 61% 13% 3% 10°,-Q percent of the compamcs mtcrvicv.:cd the next quarter. It IS the only for­ FRESNO JO•;, 63% 27% predicted an increase in hiring activi­ ward-lookmg survey of 1ts kind, un­ 0% -17% ty, while 20 percent planned to de­ paralleled m size. scope, longcv1ty LONG BEACH/SOUTH crease the h1ring pace," sa1d Wilcox and area of focus. The survey has BAY AREA 70% 0% 27% 3% 43% been running for more than 40 years "A year ago at th1s tune, employers LOS ANGELES-CENTRAL 45% 27% 23% come just as Japan faces terrorist and P&AB was the first to chart and ana­ 5% 22% P&AB Provides Guide to Japanese forecast a booming job outlook when and IS one of the most trusted surveys security threats. and needs for greater lyze for bus mess the rise of pnvacy LOS ANGELES-WESTSIDE 32°/o 45% 13% 10% 19% 47 percent of companies surveyed of employmenl activity 111 the world. protec~vc surveillance, as 111 the Unit­ from a second-tier concern to a front­ MODESTO 30% 47% 13% 10% 17% Privacy Issues thought employment mcreases were The Manpower Employment Outlook ed States and other democracies." burner issue and to prov1de opportuni­ MONTEREY COUNTY 13% continued from page 21 introduced by the K01zumi Govern­ likely and 3 percent 111tended to cut Survey in the U.S. is based on 111ter­ 70% 17% 0"/o -4% ~es in programs and meenngs to assist views with nearly 16,000 public and OAKLAND ment was a hard-fought contest be­ Introducing the Japan Department back." 0% 73% 20% 7% -20% businesses m understand111g the pri\a­ pnvate employers in 470 markets tional survey of Japanese consumers, tween 2001 and mid-2003," Dr. West­ on PrivacyExchange.org For the coming quarter, JOb ONTARIO/UPLAND 20"/o 77%J 0"/o 3% 20"/o in noted. The guide relates the strug­ cy environment as it is evolving. across the country and is considered a conducted by Dr. Wes~n and Harris The guide also contains an an­ prospects appear best 111 durable ORANGE COUNTY 25% 62°Jo JQO/o 3% 15% P&AB, a pioneer in recognizing the htghly respected econom1c indicator. Interactive/Japan. The survey found gle between the media and the go,·­ nouncement of a new and major tool goods manufacturing and financc;m­ RIVERSIDE rise of the Corporate Pnvacy Officer 17% 70"/o 13% 0"/o 4% large majori~es of Japanese con­ ernmcnt over the original bill's poten­ for tracking Japan= privacy is;11cs -­ suranceireal estate. Employers in About Manpower Inc. (CPO), was the first to open its CPO SACRAMENTO 23% 68% 7% 2% 16% sumers to share the dominant attitudes tial infringements on press freedom. It the Japan Department - a free online non-durable goods manufacturing, Manpower Inc. is a "orld leader 111 Program in 1999. SAN BERNARDINO 20% 57% 20% toward privacy of North American also details the (ultimately unsuccess­ resource hosted on the Privacy Ex­ wholesale/retail trade and educatiOn the staffing industry, pr0\·id111g work­ 3% 0"/o The center and all its activities SAN DIEGO 33% and European consumers. Large ma­ ful) efforts of consumer and privacy change Web site of the Center for So­ plan to reduce staffing levels, wh1le force management services and solu­ 42% 12% 13% 21% are led by Dr. Alan Westin, professor jorities are concerned about threats to groups in Japan and the opposition cial and Legal Research. The bilingual those in services have m1xcd hiring in­ tions to customers through 4,000 of­ SAN FERNANDO VALLEY 35% 45% 10"/o 10"/o 25% of public law and government emer­ their privacy from both business and political parties to put in the law Japan Department, which will be offi­ tentions. Hiring in other sectors is ex­ fices in 63 counmes. The finn annu­ SAN FRANCISCO 17% 55% 15% ims, Columbia University, and pres­ 13% 2% government operations; report low greater consumer control over uses of cially launched this month, will offer pected to remain unchanged. ally provides employment to two mil­ ident and publisher of P&AB; Robert SAN GABRIEL VALLEY 13°'. 62% 13% 12% 0"/o trust in voluntary actions by business­ personal information, as well as an in­ access to laws, regulations, official The national results of the Man­ lion pc'Ople worldwide and is an indus­ Belair. partner at Oldaker, Biden & SAN MATEO 37°-o 53% 7% 3% 3o•. es; are seeking passage of strong na­ dependent data protection agency. guidelines, government and private power Employment Outlook Survey try leader 111 employee assessment and Belair and P&AB 's vice president; SAN RAFAEL 13% 37% 10% tional privacy-protection laws; and fa­ studies, privacy surveys, reports of reveal that U.S. employers continue to training. In North America, Manpow­ 40°1o 3% Detailed Analysis of the New Law and Lorrie Sherwood, P&AB's exec­ SANTA CLARA COUNTY 25% vor independent verification of com­ consumer privacy violations, and a show optimism in their hiring forcca<.;t er staffmg SCT\;ces mclude adm111istra­ 39% 18% 18~'o 7°o The guide contains a section-by­ utive director. pany compliance with their privacy for the first quarter of 2004. For the SANTA CRUZ 7% 77% sec~on description of the new Priva­ unique "newsflash" service in English tive. industrial and contact center per­ 13°o 3°/o -6° o policies and the law. first time in fi,·e years, employers cx­ cy Law, and a forecast of key imple­ and Japanese for the latest Japanese sonnel as well as the assignment of SANTA ROSA 38% 49% 3•o 10"/o 35°o A global leader in pro.fe.monal servic­ prcs..~ed an increase m hiring expecta­ The gwde also descnbes a steady privacy developments. A preview of contract professionals in infonnation SOLANONAPA COUNTIES 17° o menta~on issues that will arise -and es, Ernst & Young helps companies in 36~. 17% 30'!o O'!o stream of stories in the Japanese mass the Japan Department is included in tions from the fourth quarter to the technology, scientific, finance, engi­ will need to be resolved - before STOCKTON 3% 61% media bet1wen 2000 and 2003 on im­ businesses across all industries - first quarter. 33°o 3% -30'!o the act's rules for the private sector the guide. neering. telecommunications and oth­ proper disclosure and misuses of con­ from emerging growth companies to Of the 16,000 U.S. employers that VENTURNSANTA go into effect. er professional areas under the Man­ swner data, as well as the rise of both About Privacy & American global powerhor«es identify and were polled, 20 percent said they plan BARBARA 23% 39% 15% uPrivacy as an issue confronts power Professional brand. More in­ 23% 8% spam and identity theft problems in Business capitalize on busine>s opportunities in to boost employment levels for the VISALIA Japanese society," Dr. Westin noted, fommtion on the company can be 24% 59% 17% O'!o 7% Japan. These developments - as weU Privacy & American Business 130 countrie>. More information about first three months of 2004, while 13 found at http:llwww.manpower.conv. ':iust as it seeks to transform itself WALNUT CREEK 23~o 13~. O% 10•. as the move in Japan to computeriza­ (www.pandab.org, www.PrivacyEx­ Ernst & Young may he found at percent anticipate a slower hiring from a community-ethic, highly-<:en­ LOS ANGELES COUNTY 33% 41% 16°o IO'!o 17°o tion of identification information change.org, & www.pjobs.org), is an www.cy.com. More information about pace. Sixty-one percent of employers <'Manpower Inc. 2003 All rights re­ tralized, government-driven and re­ NORTHERN about residents held by local govern­ activity of the Center for Social & Le­ our Privacv Assurance and Advisory expect to offer the same number of served. strictive-judiciary system to one with ment-made enactment of a nation­ gal Research, a non-profit, non-parti­ SenJices • may be found at CALIFORNIA AREA 20"/o 15% 5% more indiv;dual cboice, decentralized al privacy law a major political issue san public policy think tank exploring www.cy.com/privacy. For a free copy SOUTHERN administration. non-profit 'Third Sec­ Subscribe Now! Call Today afta-2000. U.S. and global issues of consumer of the guide, please contact: Jnme CALIFORNIA AREA 29'lo tor' participation in decision-making, 48°o l4°o 15°o and employee privacy and data prolec­ Oujo, (20 I) 996-/154 tmd Inland Empire Business .Journal and a more timely and responsive ju­ STATE AVERAGE: Puap Wu a Hard Struggle tion since its launch in 1993. [email protected]. diciary. And, debates aver these shifts CALIFORNIA 25°o "Passage of the Privacy Law as Always on the cutting edge, (909) 989-4733 51°o IO'!o BUSINESS JOURNAL • PAGE 32 JANUARY 2004 JANUARY 2004 BUS INESS JOUR NAL • PAGE 33 EMPLOYER'S PAGE EM: P L O VE R ' S PAGE How to Deal With Harsh Criticism The Five O'Clock Club Instead of retaliatmg m the same bv Janelle Hail Try the followmg mental strategies to same motiv~ you 1magmc. Employment Trends for 2004 gtve the situallOn a healthy review that way you were hurt. isolate this accu. Others Say satlon or you will fall mto sclf-ptty. Today 's worl.--place em1ronment ts wtll free you to move forward wtth As the year ends. Dr. Rtchard Teenage unemployment rcma1n~ more slowly as those who have Listen to what ts bemg satd m the mcludes pension and planning re­ a stressful place. With mcreasmg re­ your life and mcrease your perform­ Speak highly of yourself and behave Bayer, chtef operatmg officer of The high. and is a maJor concern. Ac­ office. Ask others what they think of been dtscouraged begm actively tirement, education and training. sponsibilities and less workers, most ance m the workplace. m a manner that wtll make others see Five O'Clock Club, (www.FtYeO­ cording to the Bureau of Labor JOb searching agam The unem­ the situation. You mtght hear some­ This is in reaction to recent scan­ people are forced to take on more that you are professtonal and produc­ CiockCiub.com http:, www.fiveo­ Statistics, teenage unemployment ployment rate does not mclude dals in whtch employees did not Accusation thing that wtll make you change your tasks with less financial benefits. To tive. clockclub.com/>) outltned recent is around 16 percent. meanmg a people who are unemployed and diversify thetr retirement funds Wntc out the unedited accusation own perspective. Listen to the com­ add to that stress. a boss or co-worker trends in the labor market, as well as significant portion of an entire have lost the will to JOb hunt. and lost stgntficant amounts of as it was spoken against you. You ha,·e ments of other people regardmg you Moment of Truth cnticizes your perfonnance on the job. those trends likely to carry us through generatton wtll pass mto adult­ As the economy and job money through corporate scandal. rehearsed those painful words in your and th1s 1ssue. Are your coworkers Examine the accusation m light of Unfortunately you weren't there to de­ the New Year. hood with ltttle or no work expe­ market improve. more people will head so many ttmes that they are shanng the same optntons about the these previous thmgs and draw your fend yourself and now you're steam­ Here are a few thmgs to keep in rience. enter the race for JObs and thus it 7. Finance and bankmg will return. tmbedded m your bram. Whether it quality of your work or your behavior own conclusion. Take a moment to It is generally beheved that m­ ing angry. What can you do'' mind as you think about your JOb m may appear unemployment IS \\.'3.5 a co\\orkcr or a boss. those wor other col­ adjustment. or if you need to talk to prove and will be hot again m about that semors cite discnmmation as your JOb. Many companies want omy improves and we move into hung out to dry and there IS no way \Vnting dO\Vll exactly what was sa1d leagues? Or. is this the oppostte of the your accuser. Once you arc calm, nine months. The unemployment a major JOb search problem. the employees to be mtemally mobile the next business cycle. for you to get the last word. You are the problem becomes more definable real you? Is there a partial truth that have thought about the situation thor· rate has dropped steadily for the labor shortage prOJected for the and to be responsible for their pri' at ely stewmg in your misery w1th and you can start to address it from a you can dig from this? oughly. then you can dectde whether past four months. next few years means that age own internal moves. Thts helps 8. Even though a labor shortage ts no one to listen to you. You need clo­ clearer perspectl\ e. the issue should be dropped or if you Accordmg to the New York discriminatton will be a luxury of reduce firings, when some de­ on the horizon, the days of the sure but you don't know how to get it. You Say need to address the issue wtth your ac­ City Traunng and Employment the past. Recent studtes by the partments shrink while others ex­ "War for Talent" wtll not return. A false accusation or harsh criticism Source What do you say about yourself? cuser in a professional manner The Coalition. the expected labor short­ Bureau of Labor Sta!tstics re­ perience growth. The "War for Talent" was a fad m left untreated can lead to anger. bttter­ List the names of the person or You htow the kind of person you have previous exercises have already gtvcn age will hit m about a year and a vealed that those who arc 55 and some corporations (m the time of ness. and hurt feelings. Contmumg to people who ha\e accused you. Now become. You have spent years build­ you the tools to bnng about closure no half. This long anticipated shortage older and acttvely job searching 6. Employees should self-manage the labor shortage) where top tal­ rehearse the problem wtth no solunon you ha,·e corralled both the offender ing your character. Take a good look matter what achon you decide to take. is a real threat tt is not JUS! opti­ are takmg about four weeks thctr careers and their retirements. ent was deemed worthy of btd- seems to dtg a hole you can't get out and the offense. From this point. you at yourself and dectdc tfthere was any mism or soothsaying it ""' hap­ longer to find work than job There is a strong trend to gtve dmg-wars and outrageous of The resentment you feel can affect can look at what ww; said who said tt truth to this harsh critlctsm of your­ Action Steps pen and tt ....;11 bruise compantes hunters under 55. employees more informatiOn, so salanes. Talented employees self. If there wasn't, then you cannot In light of your observation and your performance m the workplace and explore the reasons why It "-as that are not prepared for it. that they can self-manage all that and the quality of it as well. satd. Keep m mmd that when some­ allow someone else's words to affect exammatton of the problem. ts there 4. The unemployment rate will fall has to do ....;th their careers. Thts continued on page 39 Understand that the heart of re­ one offends you. tt ts easy to look at your healthy self-image. The danger anythmg you should or can do to rem­ covery comes from knowmg that the them as your enemy. If you can sepa­ area comes if you take thts resentment edy the perception someone has of only person you can control ts you. rate the offender from the offense. you and say something agamst your ac­ you? If not. it's nmc to release the hun Who Will be Your Next Hire? Take I 0 and find a quiet place to will have a more objective vantage cuser, because of your own hurt feel­ thmk. point. The offender may not have the mgs. continued on page 38 Employment Expert Offers a Checklist to Identify Potential Top Performers MENLO PARK, CA As many check are the best tools m identifying tant will be how well they thmk Tone What are the references firms keep a watchful eye on the em­ who would be a top perfonner m the on their feet and the reason they saying about the candtdate. and ICC Commercial Crime Services Launches Financial Investigation Bureau ployment market and plan to careful­ actual role," she says. Quahttes like give for their answer. more importantly. how arc they ly add staff. they face a tough ques­ motivation, versatility and a proact1vc saymg tt 0 Take note if a refer­ continuedfrom page 20 with some of the best qualified and "With its huge reach and inde­ its member banks. OptitnJsm- Ask candidates and tion: Who will be the first person approach are common among top per­ ence's tone IS enthusiastic. hesi­ expenenced people in the financial pendent approach. FIB provides a sin­ For full detatls on FIB. email thetr references to expand on how hired? According to Liz Hughes. \·tee formers. Following are other areas to tant or uneasy. Be sure to ask analysis of information in the services sector. gle center of infonnation to check and [email protected]:uk or telephone t 44 they handled a dtfficult boss. a president of spcctalized staffing firn1 consider to distmgutsh the strongest candidates for a range of refer­ public domain Mukundan satd that dramatic m­ venfy documents that few can match. 208 591 3000. budget cut or a mistake at work. OfficeTeam. pent-up demand and candtdates: ences, especially for management creases m money laundenng legtsla­ offenng peace of mind at a very rea­ Top perfonners acknowledge dtf­ access to a confidential commu­ pressure to htre the perfect candidate roles. Talkmg with supervisors tion. the mtroduction of new Financtal sonable cost for the mcreasing num­ ICC is the llodd busine."· orgam::ation. Passton- What is the appltcant 's ficulties and how they learned nications net\\ork encompassmg make the process more difficult. as well as peers and direct re­ Action Task Force (FATF) recom­ ber of organizations that are now sub­ With its headquoners m Paris, it 1101tl! to greatest accomphshmcnt? It from them wtthout sugarcoatmg members in 75 countries and In­ "Many managers have been gtv­ ports will gtve you a clearer mendations and the U.S. Patriot Act ject to tough new legislattve require­ promote an open imemational tmde and could be complettng a master's the answers. Be wary of people ternational Chamber of Com­ en permission to hire but are still un­ ptcture of the person's abilities have all combmed to increase the bur­ ments." Mukundan added. mvestment system. It ha~ offices in I30 degree, landing a maJor client or who can't think of any problems merce representatives in 130 able to refill every downsized post­ and style. den on the financial sector and the In one of its first cases, the FIB countries around the wodd and is often finishing a marathon. Whether or see them only wtth rose-col­ countnes lion," Hughes says. 'The challenge many auxiliary service providers received information that a bank. pur­ de.~aibed as the "United Nations Q(the it's related to work or not, the per­ ored glasses. for them is determining what critena Hughes adds that the pressure to linked to it. portedly registered in Ireland, had business wodd." For fw1her ir!fimnation tracking down and closing fraud­ wi ll be used to identify the best can­ son's passion will reveal some­ Expectations - Many top per­ hire right is especially strong in the cur­ ulent Web sttes. It was now more important than been involved in generating letters of on ICC, please visit ww.dccwbo.org. thing about how he or she main­ didates." fanners are interested in opportu­ rent envirorunent. "As comparues gear Regul ar newsletters and confi­ ever for financial institutions and oth­ credit covering electrical goods ex­ ICC provzdes afree news aler1 semce to tains motivation and defines suc­ How can managers ensure the1r nities to Jearn and advance in an up for growth. the last thing they want dential bulletins ....;n lugh light current ers to demonstrate a high standard of ported from France to Ghana. Investi­ keep you in}Om1ed ofthe latest ICC ini­ cess. first hires out of the downturn are organization. Take note of the to do is staff up with mediocre em­ trends in financial fraud and provide due diligence. takmg all suitable steps gations showed that the bank was us­ tiatives. products and rM!nls. You nill be smart hires? Hughes advises fim1s to Favontes-Ask applicants a "fa­ person who has unrealistic de­ ployees. Hiring top performers mil be to identify fraudulent proposals. the ing an accommodation address and alerted by e-mail to news itent< a~ they early warnings to reduce the risk of seek out top performers during the se­ critical to thetr ulnmate success." CCS director said. This includes rou­ was not registered wtth the Banking vorite" questton; get them to mands or references who indicate becoming a victim. These communi­ appear on the Web site. To sign up. •isit lection process. not "perfect" candi­ name a favorite board game. that the candtdatc ts dtfficult to cations are underpinned by confer­ tine checks on the parties involved to Supemsion Unit of the Irish Financial hllp:lkmv.iccwbo.orr/honte!rt_aler1_ dates. "A candidate's skills and expe­ birthday gift or movte. The an­ work ....;th- you may not have a Office Team ha~ more than 300 locanom ences and seminars that provide an remove the nsk of thetr inadvertent in­ Services Regulatory Auth ority. The service/subscribe. asp and complete and rience may appear ideal on the re­ swer itself may yteld some mtcr­ top performer on your hands but •mddwide and offers online joh search opportwlity to Jearn from and interact volvement in maJOr investment fraud. FIB immediately sent out warnings to submit the online form. sume, but the interview and reference esting matenal, but more impor- a diva instead. services at \\'\\v.·.officeteam.com. JANUARY 2004 BUSINESS JOURNAL • PAGE 35 DESERT BUSINESS JOURNAL Women Entrepreneurs Hold Keys to 2004 Mary T. Roche Named Indian Wells Mayor like affordable health msurance, estate h\· Barhmu Aus emplo} nearly 30 mil­ Mary T. Roche was unammously plannmg worlciC>; counnes. cunt} moms," and "NASC AR dack" Ct."'l1t ofall Amcncan \\-'0111Cn wnnt to Medicare (9 percent) or terronsm and Mayor Roche noted upon accepnng her (ea>.tcm dtrector). Indtan Wells Golf Re­ Desert Horizons Women's Club. a local She earned her trubter\ of arts de­ But "hich 'otmg group "ill be the be like them. Dec. I 0 by Republican Linda DtVall L"Tirical S\\ing \Ote in 200-r' See if you of American Vic\\ -point and Democ­ national security (5 percent). These is­ nc\.v position. "'But the character of our sort Tee Commtttcc, and Desert Scmor 200-membcr soctal, educational and gree m educanonal admmiStration from Citizens us g1ve so can name this one: They're gT0\\111£ m nwnbers t\\flce rat Celmda Lake. The surccy was sues move votes to wtth 86 percent of makes huge. They Inspiration Awarcls. She cs a memher of philanthropic organization. Caltfomia State Uruversity, Long Beach as fa"\t a..; thctr male counterpart.-.. commissiOned b) \\ IPP Women WBOs saymg they were more likely much of thc1r time and energy to char­ the City s golf COUI'iC conumttcc and oom­ Actt\ e m many conununtty organi­ m 1969, graduanng w1th htgh The) vote more often. lmpactmg Public PoliC} the nation's to ,·ote for a candidate supportmg ities, and they believe so strongly in mtmity activities committee; she found­ zations, she Ls a mcn1bcr and supporter of honors -and her bachelor of artli degree And more than I 0 mtlhon of largest bipartisan women's business Small Bu"ncss Association health in­ thts community, I'm just thrilled and ed both the Homeowners Association of Indian Wells Garden and Community from C'alifomta State UrmcNty. Los An­ They ·re much more ltkcly to donate them wtlllikcly \ote m 2004 umbrella organization cncompassmg surance plans (47 percent much more honored to represent them." lndi, and co,cred parking. posttions have been added to accom­ "FantaSy Spnngs CasillO and the ex­ out of the work force to have and though a woman may share her hus­ Dcsptte the stereotypes, studtes retirement benefits, women should East Valley Tourist Development Au­ Included in the resort project is modate the resort's expansion. ransion through the East Valk.J' TOO!N De­ ra1:.-;e children. thetr earnings are e,·en band's sa\lngs, those assets may be show that most married women ac­ consider mvestmg more than their thority, a substdtary of the Cabazon the Fantasy Springs Special Events McKennon has spent the past 14 velopment Authority is a very successful further curtatled. Wtth lower pay and depleted qUickly tfhe becomes 111 and tively participate or take the leading male counterparts. For example. a Band of MissiOn Indians ncar Indio. Center. which mcludcs a conventiOn years m Las Vegas working for gam­ opcrntion, wtth a good track rerotd" less t1me spent in the work force, dies fiN. which considering life ex­ role in managing family finances. woman who takes seven years off McKennon, a Californta nattve arena wtth 50,000 square feet of meet­ ing and entertainment enterprises such McKennon said of hts move back women are generally left wtth small­ pectancy, IS often the case. Moreover, women outnumber men in from a 40-year career can expect to with more than 25 years of experience ing space and breakout meeting as Aladdin Resort & Casino, Caesars to California. "This IS a \lbrant area er retirement portfolios. lower com­ ln addition. 50 percent of mar­ parhctpation m mvestment clubs recei,·e only half the pension benefilli in resort management, will oversee rooms. The center wtll also function World Marketing, and Caesars Palace. to bcgm wtth, and now that lndtan pany penston benefits and lower So­ nages end m dtvoree. and the average acros..\ America However. some mar­ development of tl1c EVTDA \ Fantasy as a 4,500-seat event area for concerts Pnor to hts gammg expencnce. he Country gammg factlit1cs are expand­ cial Secunty benefits than men. age of wtdowhood is currently at 56 ried women still leave the financtal continued on page 46 Springs Resort currently w1der con­ and shows. spent 12 years working witl1 the West­ ing. we're adding a nc\\- dimension to struction with a target opcnmg date Joe DeRosa. duef operating offi­ Ill Hotels and Resorts 10 Los Angeles, the historic appeal of the Palm Springs of Jan. I, 2005. The new 12-story re­ cer of Fantasy Spnngs Resort & Casi­ Atlanta, Houston, and Kansas City, area to tourists. We thmk the compe­ Robbie Motter Elected Chair of New Republican sort wtll have 250 rooms and feature no n.'Cently nan1ed Ty Stroh a' the gen­ Missouri. tition "ill benefit the whole valley a sky bar overlookmg the Coachella eral manager of the Fantasy Springs McKennon will be relocating to the \\"tth nev. energy and excitement." Women's Caucus Valley. In addttion, the EVTDA IS Spectal Events Center and Todd Lock- Coachella Valley from Newport Beach. The Temecula Valley Congress of Hernandez, I st vice president, stated To re-elect as many Republican the statewide organization the Cali­ Republicans (TVCR) has announced "Robbte Motter's obvious selection as women officials as feasible, fornia Congress of Republicans they have formed a new Republican the chatr of the Republican Women's (CCR). Establish a campaign war chest to Women's Caucus and have elected Caucus "a' based on her pro, en lead­ The first statewide event is assist the most qualified Republi­ Robbie Motter as the Caucus's chatr. ership in the community as a suc­ planned at the meeting of the Califor­ A SIQieltl /lftiiWiiY can women, cessful businesswoman, author. ma Congress of Republicans to be The Republican Women's Caucus is --- ,..,. Sl8llll ,_, dedicated to electing more qualified teacher and radio and cable TV co­ Elect new quahfied Republican held April 3 at the historical Mission ....,,.. .,ftellts women to leadership positions m Cal­ host. The caucus, which is opened to women at each election, and hold lnn of Riverside. Elected Republican ifornia and the Republican Party. The both women and men rrom all over public forums to educate and devel­ leadership will attend to help outreach ~~lilllifliil -., rae.,._~ TVCR "chartered by the rules of the California will be a maJor force in de­ to new women leaders. op future Republican \\OOlCil leaders. ~----­-ea...... ,.._---. California Republican Party to or­ ve loping the leaders necessary to . fti-.ao--m.rillliL. lridr ganize, educate and promote Repub­ serve the nation and Republican Par­ The Republican Women's Caucus To reach Robbie Morrer or to find out ~..,.,...._.,rae licans at the local grass roots level. ty in the 21st Century." will start holding local events in Jan­ more information on the Republican .....,..,...... ,_..,_ s.. J#ldlltll StiiU_ Dennis Catron, president of the Chair Robbie Motter has stated that uary and will help expand the organi­ Women s Caums. please contact. (888) Temecula Valley CR. and Andrew the four major goals of the caucus are: zation to the other 50 local chapters of 244-4420 or e-mail: [email protected]. JANUARY 2004 BUS II'

commuedfrom page 24 at http: 'bUJidmgfutures.fidcltty.com. 11.601/ retimneni.JXIlSIOil. health am/ ing .\en·ice\ to 18 million indivuluah Local Alzheimer's Association to Expand The phone survey wa." adn1m1stcrcd to m!({are payroll and stock p/mH· as

Environmentally Friendly Power System At Deadline: Central Park '"h1le dcvelopmg cffcctl\e fund-mls­ Trustees: Deirdre Bennett. Colton mg campa1gns to co,·cr operational resident mayor. City of Colton: Vm­ On-Site Co-Generation Power Plant Is First ofIts Kind in Use by a Tribe in California; Community Center Underway costs. The board lS also charged wuh ccnt Castro. Jr .• Colton reSJdent- track State-ofthe-Art Plant to Save Tribe Nearly 50 Percent in Energy Costs Annually fostenng and promotmg supen·isor. Burlington Northern San­ COiltinued from page I constructing civic facilities, such as conununJty-"·tem. 71te/irst The City of Rancho Cucamonga other nearby hospttals m Rtverstde Redlands resident-owner. Monc) trative expenses. sive drug diagnostic technologies and product simultaneouslv detects drugs sitions m consumer and non-profit en­ keting plan to facilitate rapid accept­ was mcorporated in 1977 and ts lo­ and San Bernardino counties. The Mailer Inland Emptrc; Dand Tuttle. For the six months ended Sept. solutions. has developed, manufac­ ofabuse and alcohol. The initial three tittes, the new board members repre­ ance of the product." cated in western San Bcrnardmo House IS a program of Ronald Mc­ C'PA. CVA. Yucatpa reSident Certt­ 30, 2003, LifePoint did not make any tures and markets the IMPACT Test sent a \vide constituency of Hou~en 1 During the quarter ended Sept 30. target markets law enfolt'ement. in­ County. The town has a population of Donald House Charities R of Southern fted Public Accountant, Sorcn sales or record cost of sales. During System a rapid diagnostic testing. supporters. 2003, LifePoint did not make any sales dustrial workplace and medical emer­ 137,119 and is home to numerous Californta and ts also supported b) McAdam Christenson: and Ron L. th is six months LifePoint spent $1.5 screening and drug monitoring de-.·ice Currently. there arc 20 members or record cost of sales. During the gency room are estimated to be over businesses, vineyards and citrus many local busmesses and communi- Verv·ick, J.D .. Riverstde restdent- IS separately enca.>ed the Casmo: Roppongi and the 1'-;oodle Dec. 13th. m Brussels, the member serves a different purpose. Unlike large arsenal of 'soft power' for than the global role the U.S. plays. busmes~ decisiOn m many ways," said man's tcnns, the system uses clcan­ in a metal cabinet then insulated to en­ Bar. Other dinmg choices include the states of the European Union pre­ the NSS, 11 is not a policy statement strengthening international peace This is realistic, as Europe's power­ Timothy Taylor, COO of the Agua bummg natural gas to generate elec­ sure that any noise the low RPM engmes 300-seat OaSis Buffet and the leg­ sented an official EU Security Strat­ by the directly elected democrati­ and security. projection capacities, both civil and Caliente Band of Cahwlla Indians. tricity and thermal energ). That produce L':i kept to a minlmLml. endary Stage Dell & Cafe. egy that defines, for the first t1me, cally accountable commander-m­ In spite of many disagreements mi Jitary. to more distant parts of "Clearly, the power plant \\as a fL'iC "Th1s happens for two reasons. Beyond its ckar fiscal ad\;111- Among EL states are two per­ ti\cs. GI\Cn the wide d1tfercnccs of the1r shared commitment to the neighbors. More than anyth111g else, f1rst. the plant reduces the current tages, the co-generation plant com­ E-Mail us@ manent members of the U"I\ Sccun­ party preference and electoral dy­ 1deas that bind the West together· the lessons of the Balkans wars of power load rcqwrcmenbi in the region. plies with the world's most stringent Second the clean-running engines ty Counc1l, four membe~> of the "of namiCS m EU member natiOns. the JOint and actl\e responsibility for the 1990s have been dm 111g Eu­ mr quahty standards. Taylor sai(L [email protected] produce extremely lm~v· emissions and Eight"' and 19 of26 membe~> of the EU cannot. and should not, be more mternational peace and security rope's stratcg1c debate. "While we arc not required to do so. future. enlarged NATO. specific about the particular values and the con\lction that the shared The EU SecuTity Strategy Sui!. the EU 1s not a umfied ac­ to be pursued and means to be pro­ \Vestern experience of democratiC should be seen as a proposal by Eu­ N tor in foreign. security and defence \ ided in particular cases. cooperation can also scn·e to 0\ er­ rope to the U.S. for a renewed trust­ ESTATE TES policy, and nobody should expect It is exactly by virtue of its gen­ come conflict and foster develop­ ed and lasting partnership w1th Dwyer-Curlett & Co. has arranged lice reports that Young Homes. LLC ty con:-;1sl\ of a retail center situated on nancmg for the borrower. The proper­ that Its member states are gomg to erality that m effect this EU strate­ ment m other regions. shared responSibilities and burdens. $4,337,750 in permanent financmg for acqUired the property located on Citrus 3.5 acres with a net rentable area of ty consists of four multi-tenant indus­ hand over control of these policy ar­ gy comes close to the formulat10n ever before has there been a As the final text of the strategy 1\vo retail bUI!dmgs located 111 Apple Ave. and Duncan Canyon Rd .. JUSt cast 37.400 square feet .. . D"yer-Curlett uial bUIIdmgs Situated on four acres eas to the European Commission of a JOint Western strategy that all better baSIS for fommlatmg and lm­ paper presented by Javier Solana 'valley and V1ctorYille. Thomas B. of Interstate 15. FiiLpatrick and Den­ & Co. has arranged $2,950,000 m per­ wah a net rentable area of R1.000 stated: "Actmg together, the Euro· and European Parliament m the democratic nations can subscribe to. plemcntmg a cohes1ve JOint strategy Kenn), cxccuti\c vice president m nis Sandoval, manager of G\A manent financing for two retail build­ square feet. Dw)er-Curlett & Co. foreseeable future. Ho\\ever. rapid Wh1le there is a habit of mind 111 for advancing the Western-mspired pcan Umon and the Umted States D"yer-Curlett's Orange County re­ DAUI\I's Ontano office. represented ings located m Corona Perl') L. Col­ has arranged S 1.250.000 m pcnnanent and decisive changes h3\'C occurred Europe to label certain policy ap­ agenda for peace and development can be a formidable force for good giOnal otr1cc. arranged the financmg both \oung Homes LLC and Hsu, ligan, \icc president in D""yer~ financmg for an office buildmg locat­ smce 1998, after the Bntish-French proaches as specifically European. on a world-wide basis. The central m the world." for the boiTO\\cr. TI1e propcrtios mclude Tsai. Huang Land Consortium of Curlett's Los Angeles headquarters of­ ed m Rl\ers1de. Randall \. \lac­ initiati,·e of St. Malo, m the \Va) EU such as the preference for non-mili­ challenge ahead of us offering av­ two separate retail centers \\ith a net Claremont. the seller. According to fice. arranged the fmancmg lor the bor­ Dougall. \icc president m D''~er­ members engage together to de' clop tary solutiOns and a rule-based In­ enues to the new generat10ns of the Klaus Becher is associate research rentable area in Apple Valley of 40.100 Fit7patrick. the buyers plan to build m rower. The property consists of a Curlett's Orange County reg10nal of­ institutionalised instruments for con­ stitutionalized multilateral interna­ wider M1ddle East for their mclu­ jelloll' at the Eli Institute fi>r Secu­ square feet and Victomlle with excess of 100 homes on one-half acre 73.000-square-foot mdustrial buildmg fice. arranged the financmg for the bor­ ducting a more focused more respon­ tional system. there are fev.:. if any sion as respected equals in the world ritr Studies in Paris ami London 39.6000 square feet. One of the lot.> begummg 111 2005 ... 0\\)er­ situated on 3.6 acres in a master­ fO\\er. The property cons1sb of a re­ sible and more powerful secunl) and democracies that would d1sagree of ci' il liberty, JUstice, economic op­ correspondent l~{ ~VorldH!c:uritynet­ largest remammg a,·ailable parcels of Curlett & Co. has ammged planned indusuial park .. 0\\)er­ cently constructed 1\\'0-stol). elevator­ defence policy and for poolmg their \\ith th1s 'European' philosophy. In portunities and social prospenty in u·ork.com land in Fontana has been sold to a lcad­ $2.127,950 m pcnnanent financmg for Curlett & Co. has arranged sened office building situated on mg Inland Emp1re dcvclopenhome­ two reta1l blllldmgs located m Ontario. $2,250.000 in pennanent financmg for natwnally-o" ned but JOintly-used re­ most mstances. this is also true for a secure. non-viOlent environ­ 0.7095 acres \vith a net n:ntable area of builder for $4.4 million and is car­ Thomas B. Kenny, executive \·icc a busme» park located m Upland. 15,550 square feet. The property IS sources. the United States the country that ment reqUires nothmg less. marked for h1gh-end homes, an­ preSident, m D")er-Curlett's Orange Thomas B. Kenn). executive \ice leased to a n.-gional real estate broker­ nounced G'vA DAU\1. George Fitz­ County regional office, arranged the fi­ preSident. m Dw)er-Curlett's Orange age fum. wh1ch had recently occupied patrick ofGVA DAUJ\I's Ontano of- nancmg for the borrower. The proper- County reg10nal office, arranged the fi- the buildmg on a fi,·e-year lease How to Deal With Harsh Criticism trol mer. 'rou are m charge of your O\\n Janelle Hail is an mmrd-u·inningfil:e­ emotions and you just won a major vic­ lance u·riter and speaker She is boss has said. If that's the case. then contznuedjmm page 32 tory 111 your life. You have given your­ founder and CEO of the Vational maybe 11 IS time to take actwn and self a copmg skill that can be applied Bn:ast Cancer Foundation. Her lead­ mentalil)'. employees are unhap­ hor ecmwmics. and also the chiefop­ and anguish. \ou release by changmg change. Instead of v1ewmg thcu The Five O'Clock Club every time you find yourself m a posi­ ership position in rhis nonpn?fit has py and Will leave when they can. erating ojficcr of The Fin• 0 'Clock the th mgs you ha' e the po\\ er to words as harsh criticism and allo" mg tiOn ofbcmg falsely accused. allowed her ro dt'l·e/op strutegiesjor Employment Trends for 2004 Club. He is afreque/11 !,OW\'/ on local change and lettmg go of those thmgs 11 to affect you personally. see 11 as a The fh•e 0 'Clock Club IS the on/1· ca­ and national media including the ''To­ The \\Orkplace is hard enough to huilding inle1personal relationships, commued jivm page 33 likely to downsize. This ISn't your that are out of your control. Let go by constructi\'C 1dca for you to work and reer program in which memhers meet dav Sholl ... C\'\ and othcn. He and face without having your m111d clut­ creatil'e meeting planning and inno­ grandfather's JOb market: no one filling your mmd \\ith ne\\ construc­ 1mpro\e on. with pn?fessional career coaches and the cluh hare also heen .fi!atured m tered wuh unnecessary burdens. Th1s \'Otil-'e presentalfons. Her cutting­ should aim for their market value. works for the same compan) for tive thoughb and your mouth with pos­ The next time you are broad-s1ded peers on a regular m!ek~\' has is in a The Econonnst. FORTUNE and oth­ exerc1se wJII keep your mmd from be­ edge appmach to health and hfe-hal­ ThiS phenomenon has been re­ 50 years anymore. On the other iti\e v.'Ords. Self-<:ontrol and a renewed by h31>h words, process these thoughLs ji·imdll', dub-type .filrmar The club of: er puh/icatiom_ Dr. Bayer is co-chair ing a battleground. Keep your mmd ance has positioned the National placed with a "war for cus­ hand employe~> should realize healthy self-image replace the loss of with these Simple but powerful exer­ fers indi\'l'dual cu well us .\!null group of The Emp/mment Round/able. a free of hurtful thmgs so you can enJOY Breast Cancer Foundation as one of tomers,'' as companies compete that they nom1ally don't get more control you had from careless \\Ords. cises. By the time you get all the way career couching aero.,·\ the U.S and group ofindustry leaders and gm·ern­ and focus on the good thmgs that come America-~ leading hreast canct.!r non­ for new busmess. than four year's service from peo­ Takmg a look back at the Situa­ through it. you will find a relief at tak­ Canada. Go to l\'lnr_Fi\·eOC/ock­ menr personnel who com·erxe each mto your life. profit foundatiOns. }Ou nral' comact ple. Especially m cases where tion may ai!O\\ you to realize there IS mg control over the way you are af­ 9. Employees arc more likely to C/uh.com.Richard Ban·~; Ph.D., is an momh to discu.\s rre,ds in the ~vork­ her rhrough her J.leh sire at HWH:na­ management has abused power some truth to "'hat your co\\orker or fecte-d by thmgs that you have no con- economist, ethicist and author on Ia- force. tionalbreastcancerorg. leave, and employers arc more with a be-glad-you-have-a-job JANUARY 2004 BUSINESS JOURNAL • PAGE 41 EXECUTIVE TIME OUT Chicken Dinner Across From the Courthouse She Just Keeps Rolling Along hrJoc.: Lyom· (Joseph Ganunoh) and a" man) of the good for California tastes. (I once pork. I thought 11 was chewy. The lob­ b)· JJilliam Amhom· crew as they could from the R.C. lo­ com meed a 12-year-old boy at \'ir­ ster ranoli was OK and the stuffed ioned ;vay to travel, hearkemng back to fJcclift of pamt \\WI­ ReJOICe "nh me for I ha\ e found catmn. It sit!\ acros.-; from the gigantic, gmta Dare that the alligator tat I appe­ mushrooms were so-so. the 19th century papcr, carpt.'t etc. m In IX90, a young s1c:unboat captam the restaurant that I thought I had lost. loommg structure of the Ronald Rea­ tizer came from a li\C 'gator'that his Everyone in the group agreed that From about 1850 to 18RO, nvetboaLs, early 2004. named Gordon C Gn:x.'llC bought hi' first For many )cars I enjoyed lunch at gan Courthouse. dad had to select hke a lobster. He the desserts \.verc excellent New York earned the dneams and the dreamers, The Wheell1oLL"' ,·=1 and launched \\hlt \\mud soi11C<.ll) Shelly\ m the V~rginia Dare Center at The old Inland Empire Shelly's wouldn't touch tt.) cheesecake m raspberry syrup, choco­ brought young families to thctr new or "pas,..,ngers' pilot­ bt."Comc America:~ oldc.,t cruise hnc Foothtll and Haven m Rancho Cuca­ v.-as light and open \\'ith \\:hitcwashed As with many Orange County late cake. cheese cake with praline homes m the Heartland and transported house" can be found TI1c Delta Queen Steamboat Comp,my. monga. I""' a big fan ofthetr Black­ walls. Shelly's Courthouse Bistro m restaurant<.;, al fresco scatmg out front sauce that tastes ltkc candy. and a traders to prosperity. More tl1an IO,flagship Delta Qtiiut America's wateru nys. but now tht! only mer night, you could C\ en ellJO) dm­ beige mlils, wtth a remarkable old bar ~1th about a dozen different tastes that Quarterly cigar tltnncrs arc the boat and has \\ide launched m 1927; ner out on the pat to. dominatmg the room. we all enjoyed .. and cigars arc ltstcd scheduled and I made a point of gct­ ones rcmammg that '""' indO\vs overlooking she still plies An1cnca s Then it dtssoh cd mto a rock and So, first things first. with the desserts .. mostly decent tmg on the mathng list. I don't nor­ lmc 0\Cllllght accom­ the nver. Passengers n;ers today "When I was a boy, modations arc the ha;·e the same ;iew of Onuue HrtJt~Ju uvn emhelfi.,h~o·.s mzc qfthe mam hiworii· roll bar and soon after, It disappeared The Blackened Cajun chtcken IS Nicaraguans and Domm1cans. The) mally do chtcken \\lth my cigar, but The company's fa­ huil wheel look­ stranger a better idea of largest crystal forever. They hsten to recently ing out over the riv­ what a vast and compre- chandeliers afloat. tales of great river ad- had the opporturuty to er. The .ltissil­ ventures; explore antebellun1manstons, experience seven days and night>; "rolling AL'iO on the hensive calamity inva­ stppi Queen of­ Civil War battlefields, nnportant muse­ along" down the Mississtppt Rtver from Observanon Deck sion is-than he can get fer.; three sumptu­ 11 ums and the boyhood home of Mark Memphis to New Orleans aboard the ts the elegant ous meals a day. Twam; enjoy reg10nal Amencan cwsme Missi«ippi Queen, a paddlewheel steam­ Grand Saloon, a by reading books at the plus aflemoon tea New York Grill'" and award-wimling entertammcnt and let boat accommodating 416 pas,-;cngers m gathermg place for fireside." ... Mark Twain and late-rught the gentle mythm of the big red paddle­ 208 staterooms. ThiS boat, built m 1976 onboard acti;ities snacks. Empha- wheel lull them to sleep. It is a distmc­ at a cost of$27 million, was completely durmg the day, and tively An1erican, unabashedly old-fash- refurbtshed m 1996 and will get a new a showroom and ballroom at rught. Here continued on page 50 950 Ontario Mills Drive, Ontario Mon / Thur I X:JO a.m. • 9:30p.m. Fri xx:3o a.m.- ro:3o p.m. • Sat 4:30p.m.· xo:3o p.m. Women Entrepreneurs Hold Keys to 2004 Sun 4:00 p.m. • 9:30 p.m. • Reservations Recommended continued jivm page 34 businessownersha;·e.AddupempiC()I:CS, e,·en faster than the Hispanic vote tributes time and money to cam­ customers, accounts payable, account>; re- increase of2.5 percent annuall), ctted It's New York wtthout the attitude! This award-wtnning patgns. who can swa) support and support a candidate supportmg gov­ retvable, assoclabon ocquruntant:e;, as \M!ll the Pew Hispanic Center. Combme \\ho can make the btggest difference restaurant ts where famous fare is finely Jeftned. Our menu ernment procurement refonns. ""the households funuly. mends, school the two to fmd an even faster-gro\\mg m the 2004 election is important look Angela Jfostashan displan the special cigars sold at the Cluh Aficionado Women business owners arc defi­ and church communications th.."iC \\QI11CI1 demographtc with Latina bus mess to '""·omen bu~iness ov.ners. features prime steaks, Australian lobster tail, garlic roasted Photo by Joe Lyons nitely m play at the presidentJallevel, genernJJy oontrol and you bcgm to see JLL-;t startups outpacmg Anglo women .\Is. Seese and .\Is. Kas m l11land Empm: tRn·erside and Sa 11 Bem ardmo Cmmlle'>) c.otlltnuetl on f'll/;:e 50 Management in Print Com pan) #Offices I. E. Registered Broke~ Headquarters Top LocaJ Executh·e Best-selling Address inland Empire FuU Time City/StateJZip Sen ices Year btabli!.hed Title "50 Mistakes I Made My First Five Compan) Wide Part Time Phone/Fax £.\tail Address Business Books Edward Jones Years in Business and How You Can 37 17 Stock~. Bond..,, Mutual Fund3, L1fe I. 5420 Philadelphia S1. #0 St. Lom~. MO Eric Inglett Here arc the current top frvc best-selling books for busmess. The list 1s compiled 8.011 ln3urancc. Estme Planmng. Chino. CA 91710 1871 Regional Leader Avoid Them," by Elizabeth K. Fischer; based on mfonnat10n received from retail boo~ton."S throughout the U.S.A 40lk, and other Retirement Plans (909) 591-3555/464 I H45

"Good to Great," by Jim Collins (HarpctCollins .. $27.50) (3)* Climb­ Arrowhead .Financial Group Monarch Tree Publishing, Eau Claire, 17 11 F1nam:ial Planmng, Retirement San BemJrd1no. CA Jim Estes ing the stepsfir.ml being good to being great z. 303 E. Vanderhilt Way, # 150 17 Planning, College Funding. Stocks, Bond\, 1985 San Bernardino, CA 92408 Presidenl/CEO Wisconsin; 2003; 86 pages; $14.95. 2. "Fin ancial Reckoning Day: Surviving the Soft Depression of the Mutual Funds, Annuities. Ta.'< P1annmg C909J H90-0211/890-0)51 21st Century," by Bill Bonner (John Wiley & Sons ... $27.95) (2) How JC\Ie~@arro""headgroup.com American Express. Financial Advi.<;ors 12 J_ 84 Financial Planning, Full Mmneapoil~. ~1S lanD. Bishop Despite the often quoted percep­ creases or drops m prices. and com­ ro surviw.? the t,:S. econon~r /ooldng like Japan~- economy 820 Mountain Ave. ';te. 109 1.700 Brokerage Service. lJpland. CA 9 I 786 IHM Managing Pnncipa1 tion that 80 percent of nC\\ compames petitive pressures from everywhere. 3. "~m, , Discover Your Strengths: Hm• to De-elop Your Talents and ln~umnce, Mutual Funds (9091 60H-0588/60H-0589 ian .d.bi\hop@ aexp.com go out of bW>mess dunng the first Inadequate cap1talizanon IS often Those of the People \Ou Manage," by MarcW> Buckmgham (The Free A. G. Edwards&. Sons 5 46 Retail Brokerage, St. Loui-,. \10 year, the real!!) ts that most compa­ cited ru; the pnmary reason for busi­ Press .. $27.00) (I) Finding 0111 ito>~ 1'011 andyo11r staff can gmw even 4. 3737 \tam St.. Ste IOJ \Ian Carruthers 651 Public Finance. 8S7 BranCh \tanager Rtverside. CA 9~501 nies can make 11 through the tmnal ness failure. The real reasons are usu­ stmngt'r Corporate Finance rQ09, 7R+-8700/6K2-2517 year. The problems mount up dunng ally a combmatton of measurable ob­ 4. " '\1oney ball: The Art of Winning an Unfair Came," by M1chael .\lorgan Stanley 5 so Reta1l Br0~r.."fage. CorporJte ~e" Yon...\) 5. 3801 Um"·eNty A\e. Ste. 550 Roger Williams 700 fm4fln:. ln~uran..:e. Financ1al Planning, the second year of bus mess, and by Jective factors and others that aren't Lewis (WW. Norton & Co ... $24.95) (5) The Oakland A:, prvfitahle Rnerside. CA 92501 191~ Branch :-.1anagl!r lme~tment Con~u1ling <9091 7&+-~1s1ns+_wu the th1rd year 90 percent aren't based on busmess mctrics at all, but nt'l-t' approach to hiring and managing people. ro!!er.u.illL:un,ll!'morgan~ley.com around. Of the remaming 10 percent. can still ad,·ersely impact busmess 5. "Executio n: The Discipline of Getting Things Do ne," by Larry Merrill L)·nch & Co. IS hnancia1 Planning. Nc" Yor~. :-.,;y \-erie MiHsap 6. -+1~1 Inland Emp1re Bl\'d Ste 150 Stods. Bomh, Annuit1e:.. Mortgage~. only half make 11 mto the fifth year. growth. Bossidy & Ran Charan (Crown Publishing ... $2750) (4) Win· execw­ Ontario, CA 91764 18K6 Re~idenl Manager Real btatc, ln~urance Pnxlucb Everythmg else bemg equal (it usual­ Best of all she does th1s usmg lan­ mg a plan well is the true core ofel'ery biL,iness. (9091476-5100/476-5161 Charle~ Sch'tlab &. Co. Inc. *(3)-- Indicates a book's previous po:s1tion on lhe list 4 20 full Service Brokerage. Financial Planning. San Franci~co. CA Dennis Bolt ly isn't) a business that makes it guage tlmt's so free of b-school Jargon 7. 3701 Mar~et Sl., Ste. A •• - lndicates a book's ftrst appearance on the hst 400 Stocks. Bond~. Mutual Fund~. Insurance Producb 1975 Bran'h Manager through the first five years wtll be it gives her book a refreshmgly mter­ Ri\·cr;ide. CA 92501 ••• ·- lnd1cates a book previOUsly on lhc list IS back on il !909J TI4-2220n74-~22t Locust St. Securities around for some time to come .. 1f it esting feeling. 2 401k-IRA Rollmers. Mutual Fund .... Des Moines. lA Ste"e A. Kambourian CSA g_ 22650 San Joaqum Ea ... t 1800 Vanahle Annutte~. Insurance. 196Y Branch Manager can survive changes m technology. The book is a distillation of Fis­ neur. She expands on 10 basic rules to get work from them. Ideas are Canyon Lake. CA 92590 Fmanctal Comulting !HOOJ 562-7999/(9091244-3228 swmgs m the marketplace, sudden in- cher's first five years as an entrepre- that are an outgrowth of her experi­ what I have to sell. If I gtve them ~te\o@ inland.net Paine Webber. Inc, ,, ence_ These rules are: away. I ha,·e nothmg to sell. Full Sef\ice :\c..,., Yor~. >;Y 9_ 3403 lOth St. Ste. 500 Jim Gallego!. Do not work with committees. 281 Brokerage l)l?Q Res1den1 \iana2e1 Value myself and my work at the R1wrsidc. CA 9~501 19()9 1 6S4-63o6/682 -940'-J Work w1th situatiOns that ha,·e level that I want otl1ers to \aluc me. Palm Spring~ Financial 1\.lgmnt. Reg:i)!,tered Jmestmem Palm Spnngs, CA Sheldon !\1. Bell KCAA1050AM only one person who makes the The one area where author Ftsch­ 10. 777 E. Tahquitz Canyon \\ay #:!00 Ad\-isor 1992 Pre\1dent Palm Sprmgs. CA 92262 decis1on rather than deal with a er is in total agreement w 1th every (760 I )2_1-089) manager and a genera I manager. busmess leader, guru. and b· Ra,ymond Jam~ Financial Senices, Inc. I \.-lutua1 Funds. Equitie-,. Life & Health St. Petero.hurr. H. Robert J. Binkele 11. 7J.Q61 t.l Pasco, Ste. 210 1.900+ ln:;urancc, Retirement Planning. Estate IQ62 Inland Empire both of whom may have mput school professor IS in havmg a Branch ;>.tanager Palm Desert. C A 92260 Plannmg Fi,ed & Yanable Annuities JKIJ01549-6900/i7601779-5J1X mto the decision. goal for your bW>iness. She is un­ [email protected] NBC NEWS RADIO Balanced Talk Radio! Treat all fhends as you would usually candid about her expen­ Pacific Premier ln\e"tment Service~ strangers in bust ness dealmgs. ence ... 1598 E H1ghland A\'e Mutual Fund~.Ta\-Jeferred AnnuitieS San Bernard1no.CA Emy Parks ll. San Bemardmo. CA 92404. Life lnsurance.Long Term Care Insurance 1983 President Listen to my gut feelings. If a Situ­ Don lmus After the first 20 pages, it\ clear Financ.al Plannmg, 401 K (9091886-9751/886-0710 Start your morning with /MUS in the Morning ation docsn 't feel right, don·, do it that the advice offered by the author Dhersilied Securities Complete lll\cstmcnt Service~ Long Beach. CA Eugene T. Conway Weekdays 6 - 9 AM Always have an agreement Stgned comes from the heart of her experi­ 13. 69710 H"l Ill. #202 All Stnck bchanges IQM Vice f>re,tdent Rancho Mtrage. CA 92270 before I begin work. ence. financial Planning mn 7 70-1 : somo-IXo 1 G. Gordon Liddy "The G-Man " Price the proJeet fairly for myself Thomes & A"-liOCiates. lnc. Full Sef\ice Brokerage Redland'. CA John T. Thomes 1 ~ . Imestmenl Securities Stock\. Bonds. \tutual Funds. 19% Pre~1dem Weekdays 1 - 2 PM and for the client. Henry Holt:man 317 W State St Ste. B Retirement Plans & RIA •9091 335-H-\0/3)5-5746 Do not give away 1deas to chents Redland~. CA 92373 rhomeslt! lhomestnWsl.cf'm Rev. Barry Lynn Gorian lmestmenlo.; Full St"n ice Stock & Bond Brokerage, San Bemardmo, CA ~Glment Ad\·1~or. 1994 - Pre~idem S. Earl Statler Upland. CA 91786 Certified Financial Plans i9091982·0607N20-)47_1 Chuck Harder gn~c.:hols2C!!'prodig).nct "Statler At-Large" Sentra Securities "For the People" Full Scr.ice San Otego. CA Ken ~1c Don aJd Weekdays 5 PM B!!l!iili.L.· 17. 777 E. Tahqlllll Canyon Way. Stc. 2(Xl Brokerage 197) Regional Branch ManJger Weekdays 3 - 4 PM Palm Spring~. CA 92262 1760} 323-515:! li.mcdon5116<2 aol.com Lacey Kendall - Ray Peyton RPM Insurance Services lm-e~tmcnt Adv1sors Redlamh. CA William A. ~ kCaJm on Local News Up-Dates 18. 310 E. C!tru.'o A\-·e Full Sen ice Bmkeragc, 1975 Pres1dent •111"-r \IJ>n'O&~io;ln ''"'"*" •I.C.I,IIIInPrlab.!'n.&rn Red1and .... CA 92'74 ·truat.a~·\,.anh •l.an•a~T~IW'tr> PIM Financial Services t9tl'll 792-6765n98-9668 Weekdays 8 AM - Noon - 5 PM • \\~ <'P r,._. \Sl TillS(; ·(--(,lmi,llmlfm:d ,..,,.. ,·•.1,'';11, ,,, ~rron ''">~• Pf, _;., 'Tf, :· ~~ ~Mrf:•r r:t r: l'm"".TI'n krtah~tldw ~ lnlw1J F..mprl? Bww.css Jcuttlal P(J. Bo:t. 1979, Rm1cho Cucamon..:a. CA 9/"'29·1979 Rneanht'tl b,\ Sondra Ol1·era. CO{'\'tl'~ht2003 !Mfli-7QR..GOOll- [email protected] ~\hi OKw fot Ollke.-l.._.,.ll....,..a.---Rfttaanllb. aact Prt.-.-., 1'-~I (.,_1'1' ('QU•ty Th~ Book of Lists a\ailahl~ on Disk. Call 909-9!19-47JJ or Ou\\nload :\u\\ from \\\\\\.TopList.com JANUARY 2004 BUSINESS JOURNAL • PAGE 45 N E W B U SINESS Stath·r \ Be.,t Entertainment Bets S. Earl ~)~tatler is tht• Inland Empire Bus mess Journal entertainment critic and 01\"ERSLFl£0 Ft\01\G SOLU- ~CAMPUS AVE. Ol'.'TARIQ CA. 511 A.\11GOS DR. REDLANDS. CA. AK\1 \-I LSIC PRODl<.TIO\S. l;}.;- reporter and has heen the entertainment editor oftht 'Inland Empin.:_ TJ \'e\n "for the la.\t fin• years He has reported TIO\S, 1365NW-\TEAA-1ANAVE 91764-4243 CA. 92410-5035 APT 149, ~· BERNARDL"'Q CA. 923T.l<>222 UMmi\-R<>lLONOONAVE. the Inland Empire entertainment scene _lor more than 30 n:ars and i.\ also an accomplished .\tage and Tl' actm: as well us STATE YOlR ''1\AMl.l MIUSCIR. ALTALrn-.-1A.CA. 91737-1672 \\ EDDl'G OA\' FLO\\ ERS. 3032 924<»-5300 EAST\-ALLEY "E\\5.421 SA,>.,;11NIQ- DAYBREAK CT GINO HIUS. CA. Ol'.'lARIQ CA. 9176-l-5207 TF.OC'AN'ION RO,RFDlA"'DS. anlnternutionally·known magician und mentalist. Check out hi.\ entertainment IJl:hsitc at u·\nLStatler-as.\Ociates com UGHTSC.-\.PE.2li22~GSf.S\N A-1 ROOFI"''G & 9!709-1A85 FALCO\ REALTI.397~CEN'IRAL CA.9'..373-71!2J \\ATERPROOFJ\C. i'QSI Ell- BERNARDINO. CA. 92405-3354 fiGl RES. LADlES O'L\ HEALTH AVE A.UPL.AND,CA,917M64217 V.A."'DAAVE~IE52fkl. RANCHO & www crui.H•chal/enged com. You can hear Statler~\ B~:st B~:t.\ on KCAA 1050 A \1 on Saturdays from I to 2 p m THE UPS STORE #1260. 9R5 TATI()() RE\-OLL TIO\. 7lb1Th- A'D fiT,5646KNOUSIDEV.A't: OJCAMO~GA. CA. 917'J9-fJT7S KB'IDAll DR STE A, SAl; Cl'RTIS Ct..:ST0\1 Bl'ILOERS. liS N NE.'\..'\f± Sf S'IE 0. REDLANDS, Qillo;DHIUS.CA. 91~ 4l1l AVE. UPLAND. CA. 91786-5322 CA.9"'..374-~ BEYO'O QLALIT\ CLOTIIJ!\G BERNARDINO CA. 9U07-41M CHA1'\' OF LOVE, 9120 HAVEN AVE, TUSIS DESIG:\'S. 90Sl1'JI..vEU..STiiA. RIALTO CLA..SS. ]fJ7 S RIVERSIDE 3114 C'R.Y'STAL lAKE Ril 0~- DC AliTO WHOLESALE, 1274 S WA- TARIO.CA,917bl-OJ68 RANG!O a.JCAMO"GA. CA. Disney On IcesM Presents Princess Classics TfRMAN AVE STE IM. SAN UPLAND. CA. 91786-<621 AVE RIAL10, CA. 92376-6455 91730-5419 BERNARDINO CA, 92400-2844 THE GPS STOR£.#3113, !54 V.. THE REFRIGERATIO:'\' GL'Y,I25W REDRLM 1-"KTATTOO& BODY PIERCI!'IiC. 11031 S CENTRAL ELITE PROOUCfiO"'' SE RVICES CLOVER CLUB. 25570 BASE LINE roorn.JI.L BLVD STEA, UPLAND, ALRU ~"T, RIAL10, CA. 92376-0Xl3 IJ'IriC, 7056 MARIGOLD Cf. RAN- Another year has rolled around uary 4th. It then mo\es to the LA Scen1c deSJgncr Eduardo Sicang­ blue and silver for Cinderella, and a CA.91~ AVE STE B, ONTARIO. CA. ST. SAN BERNARDINO, CA. RIALTO FA~IILY MEDICAL CARE. 91762-45-12 CHO CUCAMONGA. CA 91739- once again: I don't knov.· where the Sports Arena on Jan. 7th for a five-day co. a ma::;tcr teacher of design at NC\¥ finale filled with whlle and gold. 92410-4212 MO"'UMEI\'T SERVI CES, 7370CA- 1786N RIVERSIDEAVESTE I,RI- 1620 AL10, CA, 92376-ll059 SHO\\TI\1EAL'TO GLASS, 1809N time has gone. All I know JS almost \\ LLLIES WIRELlSS SUPERSTORE. MARILlA AVE, Y\XCA VAll.E'i, £:\GAGE OFF ROAD. 534 SMOUN- run and then on to the Long Beach York Um\ers•ty who has prev1ously "You sec e'cry facet of n," CA. 922&UI- lEMPI..E ST. HIGHlA~D. CA. ELAINE DR, FO:-..'TANA. CA. CAJP,\ BLVD STE 3. YUCAIPA. CA. 92346-3751 GRA'l[)TERRACC, CA. 923 I>-5NI the ent~re castle w iII move. rotatmg cance of the show and the stones he SON AVE. C1iiNQ CA., 91710-5720 92336-1733 92399-2256 AESTHETIC DESIG'\. 11285 MJUN- JAYC'0.491 WILDROSEA\'ESTEF, withm its architecture and revolving hopes the castle will reveal. "Now OLOA\ COP\ SER\'ICE.001lAt ~ THE CAREPAK. 18109 RAY!\.10!\!Dct C'OL'ITY.\. CA. 9"...324-18:24 OILCA''Ii 11£'\jR\S. 35120YLK'"AIB\ 1A1!'\ VIE\\ AVE ~IE F. L0MA UN- REL CT CHINO. CA. 91710.7400 FONTANA, CA. 923J6.2392 as a whole. The castle's enormous size more than ever. there's a need for peo­ BLVD. \.LX..AIJ¥., CA. 92399-4339 D.'\CA.9"1..354-3811 CYBER \-10TORSA.LES.415W\J\L- DYMMIC SOL..t TIO'\S. 5648 SCJ-IAE.. TITHOF PLLMBI:'iG, 79061\.EMP- TRIPLE J CO '\STRl'<.TIO~ . 35361 '1CCALLSA."'o;08LASTI'\G, 1325 LEY BLVD STE 23. COL10!\. CA. and multiple transfonnations present­ ple to go back to a place they feel se­ FERAVE.G!INQ CA. 917J().UJCA i\1C G[:\ERAL CLEA'\'I:J'iG, 11323 ED\VARDS CO' TRlCTIO\' C0,279 REDLA.I\DS ELECfRJC U. SER- 1936 (J,!ERIAND ST. COL"!ON. CA. "It's a b•g J•gsaw puzzle," says On Ice,' we are able to retell the sto­ MONGA.CA. 9J7JO.J&IO CHERJMOl'A C1R. FO'ffi\NA, CA. SONORA DR. SAN BERNAROJNQ 92324-63C6 Saturdays & Sundays 6 AM &1 PM 92337--1418 VICES, 1364 STillMAN AVE APT Mark Freddes, vice president of cos­ ries we knew as chlidren, and that our CASTAWAY POOLS, 10722ARRQ\',.- CA. 92401-1689 3, REDLANDS. CA. 923744039 GLOBAL E:"'o'TERPRISES CO, 8664 tm: STE21& RANCHO (UCA- LA FLOR CARPET CLEANI.'\G, SOCCER '2002'. 'lfJ75 E HIGHLAND MANGO AVE. FONT.<\NA. CA. tumes and scenic elements for Feld YIP DETAIU~G. lb34 CRESIVJE\\' lGOICIJIIC 1!011 children love today, in wonderful, daz­ MONGA. CA. 9173(;4810 I 1308 ROCKRIJX;E I.N, FOra.JCAMONGA.CA. AVE_ HESPERIA. CA. 9'..345-2920 AVE. SAN BERNARDINO. CA. FO"I:.\NA. CA. 9'..337-:?874 mg a new picture for each settmg. 91730-6H4 BERMRDtNO. CA. 9?401-1330 and are a~·ai/uble at Ticketmaster tick­ A"\DROS PROPERTIES. 16455 MAIN 92~181 i\1ARS C\RPETS SALES&. SER- A.\1 ACADE\1\ REALTY , 14083 SAN E!'\TERT.-\.1,_\1['\jT PARn Sl PPL\ Movie Previews Hues include the fluorescence of et center.;, the urena box offke. or call ST STE 7, HESPERIA. CA. 92345- CHICKS TI"iTI!'\G.I364CAMLt..jQ 1188WHIGHLANOAVE. SA.ll.i \ 1CE. 1T37 ORA.'(;E TREE 1.N #B. DIMAS lN. RANCHO aJCAMON- 3500 REALSTE 135,SAN BERNARDI· REDLA'\'DS. CA. 9"'....374-285.., Ariel's undersea kmgdom somber GA.CA.91739-2JI" BERNARiliNO. CA. JGA. CA. 92346-2719 L.ANDA\'E,SA.."'/BER"'WU))~. Travel Tips AVE, ALTA LQ>.1A.CA, 91701-4021 CA. 92405-10:'6 WE STE D. RIAL10. CA. 92376- the beast's French ca,tle !Tom "Beau­ 988-9859. or (866) 524-7687 To 917]9..1220 8616 KCAA ... the station NETWORK PUA.AA-tAC\~FAClLTI , STADit:\1 Pll.l.A A"D PASTA CHI- GOLDEN SPOO'\ YOGURT. 12709 l\tPERL-\L REALTI ,lO'.:lN ARROO-- Kids Korner ty and the Beast": exonc fuchs1as, pur­ learn more about Disney On lee, \'is­ 1JJ70ANDERSON Sf, LOMA UN- NO HILLS, -1200 CHINO HILLS HEAD AVE STEA SAN \\ IWAMS l~'ESTORS,3725 NAM- f00"11lltL BLVD, RANG!O CU. DA. CA. 92354-3450 that leaves no ples and bumoshed golds for "Al­ PKWY STE 145. CHINO HILLS. BERNARDINO. 1-301 1 92373-5916 FLOORI,G. 7335 FREEDOM PL. APT B. SAN BERNARDtNO, CA. SILHR STAR POLISH. 8075 WHIT- NEW EPOCH CO, STRl CTJO,, 224 NElWORK PIIARJ\IACV.CITRUS, RANCHO CUCAMONGA. CA. 92405-0Qo8 917J0.829.1 l..OCl;.AVE,SAN BERMRDtNQ BLSINESS JOURNAL • PAGE 46 JANUARY 2004 JA 'IUAR\ 2004 BUSI'·625,. 97b2 19TH ST. \II\ I 0\1.\.('A. Pll·\.\ll Pr'.C\,q~.J07-J916 \Il\TC'0.1-lJ201\1:\INSLIII·S. Fndays in January), S I 0 for non­ Club Afictonado is destgned for J\\1 ~IIOTS.55"~40SBOR:\f (T.S\~ 91737-)~qs PFRl.·\. C ·\. 92.l,.J5-«'ol(l RAlPIIS Pl.li\IRI"G 001 E MERRill \\ EB"'\0\ \T\0'\S. J.'i50.S.\PPLJ­ continued jivm page 40 Bf RS \RDl"iO. ( \. 9:"407-5."l,..ll Wf. RJ \I 10. ( \. 9::!_1'"7()..66611 In thts age when a cell phone and member.-;. RG \ E"DI"G lOIS:! I \ ( ,J ORIA DR. \\1l.·YRD, \PPLE\·\Ul·l.t \. Ot-SERTC\'-Irt.E RE. \1 n 101701 JUSt that ktnd of Zen moment fllf'\OSF\F'\T'tCE'\TFR ,sQsf \ITAL0\1\.( \,9\1H-HX) 9:'3(1''-4576 ·\\ 'F HE.WE RIA.(' \. 92..\.t5- 5.29.2 ROBI .... SO'\ IIOl \f ~1.201'\ RI\ER­ a laptop can be your office \\ohere\er 'lOu mtL'-11 LIDdcrstand that Clbrar-. arc S I S·\ BfR'\ \RDIM). ( \. SIDE: \H#( 17-. RIA110.C.\. 8..\R,TQ\\ P\Rf'\F.R\ bl~SIIOPt \\ \18( PROPE RT!f~. 14615 m,f:R· I. \\1810' Fl'\f PORCI-L\1'\,I-U\11 '" ith ,·intagc wmc. and they can keep 9::!408-1918 9:'J7?-41:"":- you are, thts is as good a place as an} an entirely different smoke than ctga­ Cluh Aficionado i~· located at 231'<25 \\1:' · CNf.\RIO.( \'~1"'~1-IS!..' I \II RD. \PPI F.\ \llf.'l.C \, J..:.l\tBAll ST. Ht-.SI~.RIA( \. thetr valuable stock under lock and Zl(,\1 \ C0\1\ll '\1('.\TIO'\ ~S::!_l l)l\(J"'-52-k• 92...1,..!5-K519 PE: .... GL'I'\ lit. HI'\G \IR C0\01- to get your work done. If you've been H \RO\\ \RE \Pt.( I \I Tit\. 1411 S rett"'. A good hand-rolled ctgar should El Taro Rd Lake Forest, Ca. Call for (,J..JTHRif sTS.-\:'..; BfR:-.'.\RDJ!'>.{), llO"I"G \'\0 Dl( 141'76 B.\LBG\ \\T O'I\RIH \I l·S((}NOJOO \\'1- lli-.\P~RI \. C \. 1UR\'1l1 1- ( \.I~J9.2-.2-IIR The walk-tn humtdor of Club 92.1,..15-%71 Tom Clancy nm-el for the last 10 years fine wine. You don't puff tt outstde of \'\GF.I..\S BBQ\'\0 H \\IBl RGf R R\'\0\ S \l TO S\l FS. 109•lJ S <.E:...;­ CiO..,.(.ll l" RD. .-\PPLE \:\11 f- 'I (l-,'H'H'.aficionadocigar.com) I .-\RDJ~O.C\. 9~411-J7Jl IUR\'\ll 1- < '\. 92.N2-J487 91762-4505 Jl \I PI'\-' JO'l, 1::!610\\ \l NOJ..:.A Rn CR.\FT. 6026 ROBJ~SON RD. of hand-rolled cigar brands than any G &. 8 I'\ ILaura Ingraham 92301-1711 \\ ISF.Gt \ I"C llb37CHERRYAVJ­ POMTI\ E Ii\1.-\GER\ 1022HERAIJ) GR \PIIICS. 3031 WINDROSECT. IQ R.-\{'I .,._ G,K!IORAJ"K'HERIA DR.\Pl \lT :" J-0?\'TN'Michael Savage that in an economy where the eam­ cards. fe,,er years in the \\o·ork force. cy, ww\v.wife.org. www.advancmg­ do while I enJoyed a Fuente Fuente X 5 pm- 8 pm mgs of almost all other groups have fev.er years with a single employer 7. Do tax p la nning. womcn.com. www.momsbudget.com. and she hardly e,·en noticed the remained the same or decreased. eam­ and lower pay all may contribute to a With more female busmess wwvi.msmoncy.com, WW\\o.womcns-fi­ smoke. mgs of women ha'e increased. Htgh­ lower average pension for female re­ owner.; and more smgle women buy­ nancc.com, WWW.\\'Omcnsleadcrshipcx­ 1l1is should come as no surpnse. er earnings for women should mean tirees. Women also tend to receive mg homes and qualifying for mort­ change.com and www.amcricanex­ Angela Mostashari is the owner and the potential for more investments. lower Social Security benefits than gage interest and property tax de­ press.com/financial. founder of the Club Aficionado and 3. Know your risk tole ra nce. men. Benefits are calculated based ductions, tax plannmg is becommg she is a nurse. It would not look good Michael Medved I 0. Seek help. Consider how much nsk you are on a person·, highest 35 years of an integral pan of women's financial if her cltentele had breathing prob­ 9 - M idnight Meet with a qualtfied financial "illing to take in exchange for the po­ earnings. If the benefits rcctptent lives. lfposstble. always contnbute lems. She is particular about every­ ad' isor to create a financtal plan tential to earn higher returns. Histor­ doesn't have 35 years tn the work the maxtmum amount to your IRA thmg- from the decor to the hospital­ spectfically destgned to help manage ically. equity investments have pro­ force. the Social Security Admmis­ and/or 40 I (k) and maximize your tty ·to how you cut and ltght you ctgar. your personal economy. vided higher returns over the long tration will add zero-earnings years tax deductions. (She prefers an angled cut and she term than less-risky investments, such to the record to equal 35 years. Thts recommends that you roll the cigar 8. Keep retirement top of mind. Brad Sco/1 i' a semor financial ad­ as money market' and short-term will lower the a,·erage monthly earn­ above the flame to start it.) Although women have made l'isor in Arcadia specializing in in­ bonds. although pa't performance is ings figure and ma} stgnificantly The fact of the matter ts that S90KTIE.com many impressl\e strides toward fi­ restment strategies, business OH'II<'I' no guarantee of future results. lower your benefits. many members can and do bring thetr nancial independence. they report issues and retirement planning. wives. who arc begmning to enjoy a 4. Participate in employer 6. Get out of debt. having only half as much for retire­ Scott is a Chartered Financial Con­ Call Michael Reichert at 909-885-6555 ext.101 good smoke as much as their men do. plans. Debt is a serious issue for men ment as men ($40,000 in annual re­ .mltant and platinumjinancial sen:­ (Another bastion of manhood fa lls.) Collect information about there­ and women. However, credit coun­ tirement income for women vs. ices advisor qf' American Express tirem ent benefits that arc avail able selors report that women are more $80.000 for men). Generally, because Financial Adrisor.~· Inc., member through your employer and actively likely than men to take the fir.;t step women live longer than men. they NASD!SIPC For more mformation. participate in any plans offered tak- toward becoming more disciplined should save 12 percent of their gross please call 626-447-4060 JANUARY 2004 BLSI'\'ESS JOURNAL • PAGE 48 JAI\UARY 2004 BUSINESS JOURNAL • PAGE 49

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Mtgnon Sa\\yer'' ( 1876) and the "Ad,entures of mentl' that mcorporate the umque local and Lamb o-'0 Buco. Huckleberry Finn" ( 1884) \\ere dravvn lla\oo; aloog Amcnca \ watm'ts bom Samuel Lang­ from T"ain \boyhood e;capades bes1dc Tht> M~IJ1ll Q\.n.."rl wul /t('r.\i\tt,. ship·; Orndorff Predicts "Tide Will Turn" Heartland, JXI"""'!l<"' tmght ciJ.,- Orndorff, lead~ of the ri'er: v.hile "Life on tlte Mi"'is."ppi" cap. for the for=blc future. the economy gains momentum ocxt ernbly k:Mcr gnM1h in 2005. Wlnt in­ such a'\ Cincinnati Fi\e-way Ch11i; m the 30, 1835. and grt'\' up m the ncarlJy MJ£­ (1883) chronicled his experiences as a Orleans. pt71idiJrgpc.LX'K.11J:.,'t'l~l hilh ajour- tlte Pnyoot US. GltM'th Leader.; F~ rnt­ The m:uket scents to be ready for a year, 1westors will be attrnctcd to the ve;(OO; bcgm to sec sign; that this ts the Old South. they nught opt for Bayou sissippt Rl\er t:o\>11 ofHmmiool There he 1li:}1 into the JXLW. .fi.-u!toing li\il\' to historic ed four sllm; by Mommg SlllrTM oon~ncnts pause as mvestoo; get ready for the opcrnnng lcvernge present '" large cap case (near or after the elcctJon). the Stuffed Catfl.Jt v.1th ClJun &'tUTC Blanc; fell 10 Jmc v.itlt tlre mighty nver. "the ma- continued vn page 51 p01t>t and Cil·il J.JUr .l/en1ories on the investment outlook for cquttics in next round of corporate carmngs ro­ comrnrucs. stock market could suffer a con'ider­ 2004. lc: of the US. Pc~~tlcn und RJ'gc! (lt.lltqx.l)d(?l.cam) i.\· produce and anchor tts Swtday C\ enmg Southern California Educational a population projected to grow from Los Angeles International (LAX), large cap growth will be at the top of gO\crruncnt, which \\CfC de;1gned to of)"a!S. Gomg fommd ItO\'"' cr. the one (!llh£• lcugt..~t independt.?ll imt•:smlt7ll nc.:u smagazme shO\\, ""E)e on Ri\er­ Theatre Association :u1d the Califor­ 2,000 undcrgrnduatc and graduate stu­ Ontario International (O'IiT), Van trend will ""crsc Itself and large cap the charts smce th= stocks vv11l c.x­ achl<.'\c max1111urn gr0\\1h 10 the elec­ mwtag:30 p.m. CET\ a\\arded h1m its h1ghest honor Jerome Schultz. a distmguished pro­ (P~ID). As the admmtstrntor hcad10g on channel 2. "Eye on Ri>erside for his efforts. the CETA medal­ fessor of chemical and en\! ron mental the Information TechnOIOg) Division. 'ICC­ engmeerrng. has been h1red to be the he will report to LAWA CluefOpernt­ Count)" ts the half-hour nc\\s­ han . Chris Hauso. exccutl\C 2004 Bonds Forecast: Expert States That Bonds maganne pre\ IOlL'IY hosted by Da\ id president ami manager is pleased to director of the nC\\ bi01..."nginccring cen­ mg Officer Paul Green .CB Richard Can:ia. Tom Jordan not only be­ welcome Jonathan W. Pauls to the ter. one of the two new research cen­ Ellis has announced the appomtment comes the new host of the program. Ontano office of I\ AI Capital Com­ ters. including one investigating em­ of Dennis Cesen and Ke' in Kristick, Still Have "Legs to Stand on" for the Long Run mercial as an associate specializing in bedded networks. 111 tlte college. They two leading professtonals m the field Jim Same managing pnncipal ofPny­ but" ill ai'D be active m reconfiguring (www.paydenoorn) isoneofthe iaJb>est n>­ over the past three )"aJS dcn10nstrated the lcasmg imd sales of indtLstnal prop­ w1ll JOtn three extsting centers: The of business equipment and asset fi­ ly any market envirorunent There arc the progmm to match current dcn & Ryge~ cormncnts on the invcstrnent dcpendcnt global investment managers m hovv coy throughout tlte Inland Emp1re. Pri­ Center for Nanoscale Science and nancing to represent a bu .."ines..'i w1it bc­ crucial portfolio dzversificarion "JJOlfop!1ale bond &raregJes fCK all mar­ c\enh. Lonl,'llme theatre facull) outlook for bonds 10 2004. Samt oversees a the U.S. or to JOmmg i'Oeiated wnh Accent Research in Intelligent Systems basts. The new unit is named CBRE suxessfullong-1mn InVesting. Although some are counseling that in­ ementu.s smce 1'197 and foundmg chatr fixed-income strategies for instztuttons and Sound Bytes from Sarni Include: Telecom, "here he de,cloj><.'- a oornbmaoon ofsta- termedzatc bonds are not a good m­ for the Cal State San Bernardino the­ individuals. The bulls are ridmg hzgh 10 the The global economtc recovery, 0>1- ble mcome and relatively low price VCSI!Tlcr1t 10 todays market beanJSe m­ atre arh dcpartmcn" will be honored plemented nC\\ busmcss plans for ing-Center for Emironmental Re­ Croup. pro\ldmg a broad range of denced by dcclinmg wtemploymen~ stock market and many mvestors have volatility, attnbutes ncx found in other Jan. II "hen the l niwrsi!) Theatre telecommunications sales and service search and Technolog) (CE­ funding solutions to finance assets. JS ncx likely to crure a rnatmall~Xlt'a'lup has bt.'Cn set up m and hnes of credtt with fi"'mctal msti­ ports (LAW~) has named Louis heavy eqmpment and cranes and v.:uc­ A dzverse bond portfolio is a com­ Interest rates should stay witlun a low mto equities is fOolhardy. Paydcn & Rygel The collapse of the eqwty markets Barnes' name \\lth a goal of$100.000. tuttons and vendors. Pauls has also Charles Hook a,; 1ts new CEO. Hook housc tracking and logistics pelling choice for in=tors in virtual- range fCK at least thc rex! 6-12 IOOI1ths. So far more than 160 supporter> hav·e bt.'Cn a."octated wtth Adaptual Tech­ v.ill be responsible for LA\~A's Infor­ gear. .. Long kno" n for her "random contributc' theatre dcpartment:s patron of classics. mary Bourns College of Engineering ing infonnation systems and telccom­ charitable giving. Palm O...>scrt restdcnt, Cal State San Bernardino Named a "Publisher's Pick" has htred 13 nev. faculty members for has directing penod plays by Aristophanes. murucation functions, m addition to es­ Chapa. celebrates 20 years of service Hispanic Outlook in Education "Hispanic Outlook in Educations nomics, education, imrnignarion, and the for a broader appreciation of its oontribu­ the 2003-0-1 academic year. Established tablishmg mtcmal policies and fonnu­ as office manager for the Walter a,; Moliere and Shakespeare. He also was named Cal State San Bemanlino one of selection of our campus recognizes our impact of Chicanos/latinos in the U.S., nons to modem day society. a force in statewide educational work in 1989, it is tlte fastest-growing engi- lanng a strategic viSion for the techno I- Clark Legal Croup. its "Publishers Picks" for the year 2003, a conunitnJent to offer educational oppor­ national list ofcoUeges and wJM>Sities that tunities that enrich students and our sur­ Financial Brokerage Firms Serving the Inland Empire the (iliic:atioo reg;mls a,; offinng stroog cd­ rounding communities," stated Cal State VIJ!uyingService.com ocational ~ fCK ~ stJ.dns. San Bernardino President Alben Kamzg. ( !11/!111111 d twill / 1(/<..:1 -1 ~ Ran/ad In \umha aj tJ!fhl'\ mlnla11d Fmprre (Rn·erslde a11d \lm Bermmluw ( mmllt'~J Members buy directly from US C:SUSB was one of 19 C:SU C:Ullpll>­ "We've worked hard to develop excep­ factories at wholesale prices. Com pan) 'Offic.s I. E. Registered Brokers lleadquarters Top Local Exrtuthe es c:hooen by thc national p.tblication. \\hich tional programs to benefit our students ~dd""" Inland Empire Full Time Services lear F..stablished Title City!Statr./Zip Compan) Wide Part Time Phone/Fax l:eses its standings from data from the Na­ and Southern California." Items include: Leather Furniture, Billiard Tables, E-\tail Address tional Center for Education Stanstics and With more than 30 percent of its jukeboxes, Gameroom Furniture, Spas, Bar-B-Ques, National Plano.ing Corp. Investment Ad\isnrv. Santa Momca. CA Eddie Ngo from fonnal and infunnal mquzries. 17,000 students being Hzsparuc, CSUSB etc. The list of categories is updated monthly. 20. 222 E. Olive St., Ste. :! Financial Retirement Plinning, na Branch Manager 'The Califorrua State Uruveo;tty is Redland>. CA 92373 Full Service Brokerage (909) 307-1760/307-1763 ts a federally recognized Hispanic Scrv­ edngo(g'eanhlink.nct proud to be lughlighted in HISpanic Our­ mg Institution eligible for federal grants. Membership Qualifications: CEOs, Celebrities, Brookstreet Securities I Securities Brokerage, Irvine, CA Jesse Dickinson look," said Chancellor Charle; B. Reed. funding and programs. The umvco;ity Elected Officials ... 21. 8::\00 Ut1ca A\c .• Ste. 301 168 Qualified Plans, Variable Annuities, 1990 Branch Manager "We take seriously our responsibility to also offers two concentrations and a nu­ Rancho Cucam,>nga, CA 91730 Variable Life Insurance, Investment Advisor, (909) 944-6838/945-2122 For an application form or to set up on appointment to meet with a Asset Management educate Califomm's best and bnghtcst nor 10 ethmc studies and zn hbeml stud­ [email protected] VIPBuyingService Representative, please email: students, and to provide them with the ies m tlte areas of Chzcanoll..atino studzcs Smltb Ramey Inc. WND Investment Brokerage New York, NY Joe Molinari 2l. 456 W. Foothill Blvd. na Branch Manager opportunity ofa qual tty education and an as an intcrdzsciplin:uy curnculun1 that fo­ [email protected] Claremonl. CA 91711 (909) 625-0781/621-6046 exccUcnt start in a n~filhng care....,-." cuses on language, hiStory, politics, ceo- - Triton Asset Management Inc. Full Service Brokerage, Palm Springs. CA Ken McDonald Conde NastTra,elcrGold LISt .\fodmz As for 111e •. \\ell my bride and I got 23. 777 TahquHL Canyon Way, #200 Asset Management t973 Semor Partner She Just Keeps Rolling Along Palm Springs. CA 92262 .HaturiiJ· magazzne has given the cruise a hzstory les,on on the Civil War. visited (760) 323-5152 continued jrom page 50 Delta Queen tearnboat Comp:uty kmcdon5116(9· aol.com lines regtona1 American CUISll1C a ftv~>-Sar Vtek.'ibc!g. Memphis. Nev' Orlean:;, Saznt vacation< have v.un nunlCIOUS accoladc."­ ,N/A= N01 Appl~etlblt Y,.VD a~ 1101 Duclcst no= not awnllJblt. Tht lnfonnDJUJn Ullht tlbt:lw lw Mill ohtaured[mm thf' tompDiflU luttd. To tN ~st of our knOM!tdRt tht informalwn IUpplltd is acn~ratt as of prtss 1111W Wlu/1' rating. The line also received a "Best Francisville. Baton Rouge. 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