October 2018
CEO Message “Serving the Business Community since 1993” As we approach the fourth quarter of GUIDELINES 2018, first we marvel at how quickly the Community Involvement year has gone by and then turn to the Holi- Describes present or most recent involvement in assisting or day events and activities coming soon. On developing programs or services beneficial to the interests of November 2 TKHCC invites you to partici- the community. pate in its second annual Dia de los Muer- Service (Above Self) tos celebration. Once again it will be held Participates in projects, services, events that benefit the com- at the Garden Plaza in Visalia. munity that are not self-serving. On November 30, 2018, TKHCC will be Ethics presenting its 25year Silver anniversary Measures the honest and ethical practice to achieve the de- By: Gil Jarmillo Annual Awards and Installation Dinner of sire results. Officers dinner dance at the Visalia Con- Length of Community Service vention Center. Measures the dedicated time committed to improving the We ask you to help us honor the excellence of local Tulare community and improving the quality of life for our residents. Kings Hispanic Chamber of Commerce business and individu- Innovation als that contribute to our community. The Chamber’s Awards Measures the innovation for ideas, programs, and services, Banquet provides an opportunity to recognize the contribu- either enacted or project tions of those who lead the efforts. Leadership The official awards nomination forms are available at the His- The person’s/organization’s command and control of pro- panic Chamber office or online at www.mytkhcc.org. Nomina- grams or projects, meeting deadlines, inspiring others, and tions are due no later than 4p.m. on Friday, October 12, 2018. ability to gain support.
Inside this issue: CEO Message 1 Nomination TKHCC Events 2
Guideline TPL Job Fair 3 & New and Renew Members 3 What Is Return of Premium Life Insurance? 4
Nomination Ambassador Spotlight . Robert Rios 5
Forms 5K Harvest Run/Walk 5 Life insurance awareness month 6 Active Transportation Safety Enhancement Plan 6
Available at 7 Water-Saving Tips for Your Yard 7
website TKHCC Ribbon Cuttings, Mixers & Events 10 mytkhcc.org or call Members Events & Info 10 559-734-6020 Board of Directors 11 Calendar 12
Page 2 UPCOMING EVENTS
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TPL Job Fair Faraday Futures Auto Mfg to attend TPL/TKHCC Job Fair On Friday, October 19, the Tulare Public Library and the Tu- lare Kings Hispanic Chamber will host a job fair. The event will take place at the Tulare Public Library, 475 N. M St. Tu- lare, from 10:00AM to 1:00PM. A number of vendors have signed up to meet attendees for possible job recruitment and placement. Public welcome. If you are considering ap- plying, we suggest you have a resume and dress to impress. Vendors signed up to present include: Faraday Future TKHCC Wyndham Visalia Clean Vehicle Assistance Program Family HealthCare Network Wendy's Brandman University Tulare County Early Childhood Education Visalia Employment Connection CSET CalVet United Way of Tulare County United Staffing associates Proteus Inc./Education Hands On Central California Fresno Vet Center So Cal Edison World Financial Group Westcare
Thank you to all our S&K Sidhu, Inc New Members Circle K Dinuba 559-315-5212 Central Valley Legal Services Mariscos Colima 559-900-3500 559-589-9033 Carrillo’s Landscaping 559-736-3057 Thank you to all our GRID Alternatives Loyal Renewing Members 559-261-4743 Dinuba Health Care 559-591-3300
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What Is Return of Premium Life Insurance?
You buy term life insurance to protect the • If you have one or more other policies with your insurer, ones you love from financial hardship if adding this coverage may make you eligible for dis- you should die. With most term policies counts. you pay your scheduled premium, and What Else Should You Consider? when the term is done, you typically stop To keep the policy from lapsing, you'll need to make sched- making payments and your coverage uled premium payments for 20-30 years. ends. What if that policy could refund all Learn more about the Return of Premium policy from State the premiums you paid if you outlive the Farm®, or contact your State Farm agent for details. By: Karen Gross term. Unpaid loans and withdrawals will reduce the guaranteed That's the premise behind Return of Premium life insurance. death benefit, and policy cash value and any Return of Pre- Here's what to know about this coverage. mium benefits. Loans also accrue interest.
What Is Return of Premium Life Insurance? Adjustable Premium Level Term Life Insurance policy series Return of Premium life insurance is a term policy with a level 08025 in all states except MT, NY, WI; 08075 in MT, premium period of either 20 or 30 years. At the end of the A08025 in NY & WI. term, if the death benefit has not been paid and you've made your scheduled premium payments, you'll be refunded the Unpaid loans and withdrawals will reduce the guaranteed money you've paid over the level premium period less any death benefit, and policy cash value and any Return of Pre- loan you may have taken, and accrued loan interest not paid mium benefits. Loans also accrue interest. on the policy. IL-1016.0 The return of premiums could be as much as tens of thou- sands of dollars — and you can use that money however you disclosures wish. Insurance policies and/or associated riders or features may What Are the Potential Benefits? not be available in all states, and policy terms and conditions In addition to the protection that the policy affords your loved may vary by state. This is only a general description of cover- ones: age. A complete statement of coverage is found only in the • The money you get back from a Return of Premium term policy. policy is generally tax-free. • You can use the refund any way you choose — to help Karen Gross is a local State Farm Agent; License #0C36140, pay off a mortgage, fund college tuition, boost your re- NMLS #139716. For more information she can be reached tirement savings, or something else. at: 1325 W. Main St. Visalia CA 93291, (559) 625-8700, • Over the level premium period, your policy will build cash [email protected]. Neither State Farm nor its value and you can borrow against during the initial term agents provide tax or legal advice. Please consult your own period.1 adviser regarding your particular circumstances. • The death benefit of your policy is generally income tax- free.
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Ambassador Spotlight: Robert Rios
Born and raised in San Jose, says that if people knew the rules, they could make better California. Robert played soccer financial decisions with or without a financial advisor. all his life and was pretty good Robert started in the insurance industry in 2006 and 2 (according to his mom). His years ago decided to start his own business in financial ser- parents were honest, hard work- vices where he teaches families the same financial strate- ing people. But just because gies that the wealthy have been using for years. your honest and hard working He moved to Visalia 14 years ago to raise his kids in a small doesn't guarantee success. They town. Robert has been married for almost 30 years and has constantly argued about mon- 3 wonderful children all in their early 20's. When the kids ey. Robert wasn't sure what he were younger Robert and his wife were always involve in the wanted to do in the future, but he knew he didn't want to PTA, coaching soccer, band boosters and church. Now that struggle financially like his parents. He attended San Jose the kids are all grown up, he focuses his time on his busi- State University, but soon realized that he needed to earn ness. "I love helping families protect their assets and plan money and started working in the tech industry but also did for their future and showing small business owners how the many side jobs to earn some extra cash. He soon realized can pay less in taxes". As an Ambassador for the Hispanic that it wasn't how much you make, rather it's how much you Chamber of Commerce and can be seen all over town reach- keep. That's where he learned the importance of knowing ing out to small business owners. He is honest, hard work- how money works. ing and committed to his company crusade of: "No Family Now he spends everyday educating people on how money Left Behind". works. Just like sports, if you know the rules you have a better chance of winning. It's the same with money. He
Registration open for 5K Harvest Run/Walk set for Oct. 6 in Visalia Registration is now open for the 5K Harvest Run/3KWalk and 1/2 mile kids run, presented by Kaweah Delta Health Care District and Visalia Runners, on Saturday, Oct. 6 in Visalia.
The 5K run and 3K walk will take place at 8 a.m. at The Lifestyle Center, 5105 W. Cypress Ave., while the half-mile kids run will begin at 7:45 a.m. Both events will benefit patients of Sequoia Regional Cancer Center who are in need during the holi- days. All finishers will receive a free medal and race/chip results by e-mail. Shirts will be given to those registered before Friday, Sept. 28. This run is part of the Valley Running Series and is worth 10 points.
Run/walk cost is $30 before 11 p.m. on Thursday, Oct. 4 online at www.kaweahdelta.org/run or visaliarunners.org or runsignup.com; $40 day of the event only from 6:30-7:30 a.m. Regis- tration is also available in person through 7:30 p.m. on Friday, Oct. 5 at The Life- style Center, 5105 W. Cypress Ave. You may also register by mail through Friday, Sept. 28, to: Visalia Runners, 3440 W. Pryor Ave., Visalia, CA 93277 (make checks payable to Visalia Runners). Packet pick-up is Friday, Oct. 5, from 3-7:30 p.m. at Sole 2 Soul Sports. For more information, call 559-827-6675 or e- mail [email protected].
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Active Transportation Safety En- hancement Plan kicks off at Fall Fes- tival
Farmersville residents can learn about the Active Transportation Safety Enhancement Plan, now in development, during the Fall Festival set for Saturday, Oct. 6.
The festival will be held in downtown Farmersville, between Front Street and Ash Street, between 11 a.m. and 2 p.m.
The Active Transportation Safety Enhancement Plan is intended to improve access and safety for non-motorized transportation, including walking and biking. It is also anticipated that local air quality will be improved by increasing the number of trips taken by walking and biking. The first step is a survey of Farmersville that will identify areas of concerns such as non-compliant side- walks and curb ramps, the availability of bike lanes, safe routes to schools and city parks, connections between popular destina- tions and access for seniors and the disabled.
The goal of the plan is to provide data that can lead to safety improvements in the community and, ultimately, improvements in the air quality by reducing the number of trips by car.
The Active Transportation Safety Enhancement Plan table at the Fall Festival will feature activities for chil- dren and information on the plan.
The next step will be a community meeting to review findings of the survey and to seek the public’s in- put. For information on the Active Transportation Safety Enhancement Plan, call consultant Gary Mills, Om- ni-Means, at 734-5895 or email [email protected].
As life insurance awareness month has • Voluntary benefits such as financial planning products, come to an end, you still want raise Group Universal Life Insurance, On-line banking services awareness around the importance of pro- and more. tection. As you take the time to reflect on You want to build and grow your practice with a company the great work you do with your clients, that meets your needs, and we are here to help you do that. consider evaluating if your company is adequately taking care of you and your Please contact me to find out family. It can be easy to lose sight of what more! really matters most to you. Find out how Rob Cozzi, Jr. CLF®, RICP we can help provide protection for you Financial Advisor/Managing Direc- Rob Cozzi Jr. and your family: tor Central California Business Center • Life insurance up to one times your annual compensa- 1350 E. Spruce Ave. tion up to 1 million dollars. Fresno, Ca. 93720 • Long-term disability that protects 60% of your income up 559-261-2000 to $15,000 per month. [email protected] www.principal.com Central California Business Center
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Divide by zones. Different plants need different amounts of 7 Water-Saving water. Divide yard and landscape areas into separate irriga- Tips for Your Yard tion zones so that grass can be watered separately and more frequently than groundcovers, shrubs, and trees. Brought to you by Vanessa Ruelas.
By Liz Dominguez Water only things that grow. If there already is an under-
ground sprinkler system, make sure the sprinkler heads are Looking for a lush, gorgeous yard, but adjusted properly to avoid watering sidewalks and driveways. not happy about guzzling tons of wa- A properly adjusted sprinkler head should spray large drop- ter? The following tips can help you lets of water instead of a fine mist to minimize evaporation keep your yard stunning and your wa- and wind drift. Vanessa Ruelas ter consumption low.
Be rain smart. Install a shut-off device that automatically de- Don't drown. The greatest waste of water comes from apply- tects rain or moisture. Rain gauge and soil sensor devices ing too much, too often; much of the water is never ab- are inexpensive and take advantage of the free rainwater sorbed. Instead of watering for one long session, water a few without wasting the metered times for shorter periods and take 15-minute breaks in be- water. tween each session. This will allow water to soak in while minimizing run-off. Do routine inspections. Since
lawns and gardens should be Watch the clock. Water between 5 and 10 a.m., when the watered in the early morning sun is low, winds are calm and temperatures are low. Midday hours, a problem may not be watering tends to be less efficient because of evaporation discovered until it is too late. A and windy conditions. clogged head or a torn line can Consider dripping. When it comes to watering individual wreak havoc on both the land- trees, flower beds, potted containers or other non-grassy are- scape and the water bill. as, consider applying water directly to the roots using low- volume drip irrigation.
Gigi Kraus Photography
Page 8 RIBBONCUTTING CEREMONY
Page 9 WORKSHOP
SCE EDGE Workshop Networking & Building Relationships
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October Ambassador Luncheon
Board of Directors 2018 Executive Board
Alex Gutierrez La Piazza Italian Restaurant President Carlos Mendoza Armida Quezada County of Tulare Tulare County Warm Line Cesar Gutierrez Suncrest Bank Debbie Gullord ServiceMaster by Benevento Vice President Olga Duran Debbie Landers County of Tulare WIB RE/MAX Visalia Euler Torres The Roox Agency
Lionel Moreno Southern California Edison Treasurer Mihai Petrascu Mario Zendejas Sterling & Smith Pine Pedroncelli & Aguilar Inc Nate Wingert State Farm Ins. Priscilla Musgrove Retired Secretary Sandra Echeverria Kaweah Delta Health Care Center Norma Verduzco Family HealthCare Network
Past President Suzanna Aguilera Marrero
Tulare Kings Hispanic Chamber of Commerce The Tulare Kings Hispanic Chamber of 119 South Church Street Commerce is an association of 300 Visalia, CA 93291 businesses, professionals, and Phone: 559-734-6020 industries. [email protected] There is a place in the Chamber for anyone who seeks to build stronger personal or professional ties in the community. : Joining the Chamber is easy! Simply call our of- mytkhcc.org/home fice at 559-734-6020 We'll get you more infor- www.facebook.com/ mation right away! TulareKingsHispanicChamberOfCommerce Copyright 2018, Tulare Kings Hispanic Chamber of Commerce. All rights reserved. The opinions of member contributors expressed on this newsletter are not necessarily those of Tulare Kings Hispanic Chamber of Commerce.
Page 12 October 2018
Sun Mon Tue Wed Thu Fri Sat 1 2 3 4 5 6 Business After Career & United Way Ribbon Cutting Hours Resource Golf FIT Tribe Adventist 10-1pm Tournament 11:00 Health COS Visalia Valley Oak Golf 3362 S Fairway 5:30-7 pm Course Visalia St. Visalia Hanford Round Up Proud to Wear 6-9pm Pink Happy Trails 10:30-2pm Heritage Complex 7 8 9 10 11 12 13 Build a Strong Teaching Tech- Foundation niques for Spe- 12 & 6pm cial Needs Kids Visalia Con- 9-4pm vention Center COS Visalia Honoring the Tea Tasting Visionaries Gala Bethlehem 1-6 pm 816 W. Oak 14 15 16 17 18 19 20 Quinceanera Golf TKHCC SCE Job Fair Expo 2018 Tournament Ambassador Workshop Tulare Public Visalia UHC Founda- Luncheon Best Practice Library Convention tion Ridge 12-1 pm in Business 10-1 pm Center Creek Dinuba Left of Center 9-12 pm 475 N. M Golf Club 4175 S Laspina Street 21 22 23 24 25 26 27 Pink Tea Personal Dia de los Party Branding & Muertos 12:00 Business TCLMAW Visalia Conven- Marketing 11:30-4 pm 12-3 pm Garden Plaza tion Center 1601 H Street Ste #201 Bakersfield Visalia 28 29 30 31